Extended Replacement Cost
Extended replacement cost coverage allows your home to be repaired or rebuilt to its original condition following a covered loss—even if the cost exceeds the stated policy limit. This includes upgrades required to meet current building codes, ensuring the home is restored properly, not compromised by outdated standards.
Temporary Living Arrangements
If a covered loss makes your home temporarily uninhabitable, coverage can include assistance in securing comfortable, comparable accommodations while repairs are completed. Whether that means a similar home within your school district or an appropriate hotel, arrangements are made with livability and continuity in mind.
Risk Consulting
Professional risk consultations provide a detailed review of your home, focusing on the features, finishes, and details that make it unique. These assessments help ensure coverage is aligned with true replacement costs and may also include guidance on security, fire prevention, and loss mitigation.
Cash Settlement Options
In the event of a covered total loss, you may choose not to rebuild or to rebuild elsewhere. In those situations, a cash settlement option may be available, up to the policy limit, giving you flexibility and control over how to move forward.
Replacement Cost Coverage for Contents
Personal belongings are covered based on the cost to replace them today—without deduction for depreciation—up to the selected policy limits. From upgraded appliances to custom cabinetry, flooring, and finishes, coverage reflects the quality and detail of the home. Replacement is not required; a cash settlement may be elected instead.