You’ll add more to your Homeowners policy with this set of extra coverages…
Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money
We’ll pay for losses because of mis-used cards issued to you or an employee, or other counterfeit funds, up to a $5,000 limit.
We’ll pay an increased amount, up to $300, toward the cost to remove trash and other material after a loss.
Identity Recovery Expense
Having your identity stolen can lead to problems for years to come. We can make it easier with an additional $10,000 of coverage for fees and costs related to recovering your identity.
Incidental Business Liability
With this coverage, you’re covered if you use your home for certain types of “side business.”
Increased Coverage Limits
Our coverage increases for theft of several types of valuables: cash ($400), securities ($5,000), jewelry and furs ($2,500), firearms ($3,000), and silverware and goldware ($5,000).
Landslide and Collapse Due to Subsurface Water
Sentence description: With this coverage, we’ll pay for loss to a home, outbuilding, or personal property related to a landslide, or from underground water that causes building collapse.
We’ll pay up to $300 to replace your door locks, if the keys are stolen. No deductible will apply.
If you share ownership of property with your neighbors (like in a condominium), we’ll cover up to $5,000 of costs for a loss in one of the property’s common areas.
Mortgage Expense Coverage
If your house is a total loss, we’ll reimburse you for some of the costs of replacing your property, including fees and additional mortgage interest.
If you’re facing a lawsuit for personal injury in specific situations, this coverage may help.
Refrigerated Products on Premises
A refrigerator or freezer that stops working can make mealtime and more into a challenge. We’ll pay up to $500 for a loss or damage on your property.
Replacement Cost on Personal Property
We’ll pay the cost to entirely replace your property, instead of its assessed value.
Back Up of Sewers or Drains
If water backs up through a drain or your sump pump overflows, we’ll pay up to $10,000 on a loss resulting from water damage, to a total of $30,000 in overall losses.
Talk to your independent insurance agent for a quote and for more details on what Hastings Mutual can do for you.