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
Increased Water Limits
An additional endorsement that could bring you peace of mind is our
Limited Water Damage Coverage.You may qualify for coverage for water losses up to a maximum of $100,000 per occurrence. These
are losses caused by water or water-borne material that backs up through sewers
or drains from off the insured premises; water that overflows or discharges
from a sump pump or related equipment; or water that exerts pressure or seeps
from below the surface of the ground through an insured structure.
Our thoughts are with those who’ve been affected by the wildfires in the New Mexico counties of Colfax, Lincoln, Mora, San Miguel, Sandoval, Sierra and Valencia. To report a claim, please call our claims reporting line at 877-242-2544. If you were affected by these fires, you might be eligible for the grace periods per the NM Office of Superintendent of Insurance.