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 

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.

What Is Hydrostatic Water Pressure

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