Homeowner Plus Endorsement

Cincinnati’s Homeowner Plus endorsement gives you the flexibility to add or increase coverages that could save you thousands of dollars after a covered loss. The endorsement provides coverage for:

  • the replacement cost on your personal property, with no deduction for depreciation
  • your increased cost, within the coverage limit stated on your policy declarations, to rebuild, repair or demolish your dwelling according to building ordinances or laws after a covered loss
  • your loss from theft or unauthorized use of your credit cards, up to an increased coverage amount of $5,000
  • your lost or stolen unscheduled jewelry, watches, furs, precious and semiprecious stones, up to an increased coverage amount of $2,500
  • your freezer contents damaged due to a power failure or mechanical breakdown, up to $500, with no deductible
  • sudden intrusion of birds, squirrels, beavers or groundhogs provided neither nesting nor infestation has occured 

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