If you upgrade your Custom Limits for your special belongings, you’ll receive our Above and Beyond home coverage, which adds three extra perks to your policy:

First Claim Forgiveness. This means your rate won’t increase after your first claim. We’ll pretend it didn’t even happen.

Replacement Cost Guarantee. You’ll have the flexibility to settle claims at replacement cost, even if you decide not to repair or replace the damaged items.

Enhanced Deductible Waiver. We’ll waive your deductible for claims of $10,000 or more. Sorry, this doesn’t include claims caused by earthquakes.

Heads up! These perks cannot be added to a tenant or landlord policy.