With
the Universal Security Policy from Encompass, you can choose
your level of coverage, offering you greater flexibility.
Special:
Coverage that goes beyond standard policies, allowing you
more flexible limits for greater protection.
Even
our basic policy is superior to standard homeowners insurance
policies. We allow you to aggregate your property limits
so that you can use the combined property limit to cover
the amount of loss to your home, contents or other structures
of your residence.
Other
Special Level coverages includes broadened replacement cost
on dwellings - Your enhanced policy means that the difference
between policy limits and the actual cost of replacing your
home is covered (in many cases).
Additional
living expenses - There are no pre-set limits on reasonable
living expenses for up to one year if your home becomes
uninhabitable due to a covered loss.
Electronic
devices used with an auto - Your policy covers transportable
cellular (car) phones, CD players and other portable electronics
with no internal limits.
Personal/contractual
liability ("umbrella coverage") - These elements
of your policy protect you against charges of libel, slander
and defamation of character as well as against liability
for non-business contracts into which you enter.
Workers'
compensation - Your USP homeowners insurance provides payments
that your state requires for help you bring into your home,
either for its maintenance or for the care of your family.
Vandalism/malicious
mischief - Standard policies exclude this coverage; you
can get it (excluding the first $5,000 of the loss) through
your USP. When you move to a new home, your unsold property
remains covered.
Deluxe:
Offers all the Special coverages as well as replacement
cost for contents and other extras. Our Deluxe USP Homeowners
coverage provides all of the features offered under the
Special coverage, plus:
Building
ordinance increased costs - When repairing or rebuilding
your home after a loss, you may find that local ordinances
require upgraded materials. You're covered up to 5% above
your policy limit.
Replacement
cost contents - Instead of factoring depreciation into your
reimbursement, we pay for personal property based upon your
cost to replace them today (up to policy limits).
Mortgage
extra expense - Your Deluxe USP helps lessen the impact
if your mortgage rate should change due to a repair or rebuild.
Personal
computers - We provide coverage beyond the named perils
of loss for contents, up to $10,000 on hardware and $1,000
on software and data files.
Elite:
Get additional coverages beyond Special and Deluxe without
having to buy separate policies.
For
those who want the best in homeowners insurance....Encompass
Insurance USP Homeowners Elite coverage offers higher property
and liability limits and broader base coverages than even
our Special and Deluxe packages.
Elite
also gives you these exceptional features:
Extended
peril on contents - Standard insurance policies only cover
losses that result from specific, named perils like fire,
lightning, wind, hail and theft. Our policy generally covers
you for any cause of loss (except where specifically excluded).
Backup
of sewers and drains - This feature covers losses caused
by water that backs up into your property through your sewers
or drains.
Fine
arts glass breakage - With our Elite package, you're covered
to the policy limit, without having to purchase a separate
rider.
Misplaced
or lost silverware/firearms - While standard policies only
cover theft, our Elite USP insures you against these other
typical sources of loss.
The
proper home insurance coverage consists of buying the right
type of policy, having the proper levels of protection —
including special provisions for jewelry, your computer
stuff, and other particularly valuable possessions —
and supplementing this coverage with special protection
against natural disasters that are not covered in your basic
policy.
The
California Insurance Group® provides
property and liability insurance coverage for individuals
that own and occupy a home, own secondary residences and/or
rent.
Your
SAFECO Homeowners Policy has many worthwhile "extras"
you should know about. It’s all part of the SAFECO Advantage,
a package of value-added features ensuring you and your home
are properly protected.