Continuous Protection for Every Chapter of Life.

Rebuilds your home even if post-disaster labor and material surges push costs 25%–50% above policy limits.

Replaces furniture, electronics, and clothing at today's new retail price without depreciation.

Covers sump pump failure, sewer backup, and underground utility line breaks from street to foundation.

Pays for comparable hotel or rental housing and dining expenses while your home is being restored.

Covers interior drywall, hardwood flooring, custom kitchen & bath cabinetry, countertops, and built-in fixtures.

Protects you if the condo association levies a special assessment for a master policy deductible or shared property claim.

Replaces furniture, clothing, and electronics at full new retail cost with zero depreciation.

Protects against accidental water leaks affecting neighboring units, sewer backup, and guest injuries.

Covers furniture, laptops, bicycles, and clothing inside your apartment, in your car, or while traveling worldwide.

Satisfies landlord lease mandates ($100k–$500k) and covers accidental kitchen fire or water damage to the building.

Pays for hotel stays and temporary housing if a covered loss makes your rental unit uninhabitable.

Bundling Renters with Auto often saves more on your auto premium than the renters policy costs.

Protects your assets if you're at fault in an accident, with recommended split limits starting at $250k/$500k/$100k.

Covers crash repairs, theft, vandalism, falling objects, animal strikes, and severe weather damage.

Covers medical bills and lost wages when hit by a driver carrying insufficient or no insurance.

Replaces totaled vehicles under 2 years old with a brand-new model and covers wall-charger equipment.

Locks in your vessel's exact insured value at policy inception with zero depreciation if totaled or stolen.

Covers fuel delivery, jump-starts, soft ungrounding, and dock-to-dock towing on lakes, rivers, and coastal waters.

Protects chartplotters, radar, sonar, rods/tackle, water skis, wakeboards, and onboard guest belongings.

Includes statutory environmental fuel spill liability, salvage recovery, and $300k–$1M+ watercraft liability.

In a covered total loss, you receive every dollar of your car's agreed valuation with zero depreciation.

Automatically increases your collector vehicle's insured value each quarter as market values appreciate.

Covers spare engines, rare trim pieces, restoration tools, and automotive memorabilia in your garage.

Guaranteed soft-strap flatbed towing and unrestricted choice of specialty restoration or custom repair facilities.

Locks in your bike's insured value or replaces a totaled new motorcycle with a brand-new model.

Covers aftermarket exhausts, custom paint, handlebars, saddlebags, audio systems, and sidecars.

Replaces damaged helmets, armored jackets, boots, and riding apparel with no additional deductible.

Specialized motorcycle flatbed recovery plus lodging and transportation if your bike breaks down far from home.

Far exceeds the federal NFIP $250,000 cap—protecting foundation, HVAC, electrical, drywall, and flooring.

Up to $1,000,000 in contents protection on a replacement-cost basis, unlike standard depreciated schedules.

Private flood includes hotel and living expense reimbursement if rising water makes your home uninhabitable.

Optional endorsements for detached garages, pool equipment, and landscaping cleanup.

Replaces a totaled motorhome or travel trailer with a brand-new comparable model without depreciation.

Premises liability protection while parked at RV resorts, state parks, or living full-time on the road.

Covers RV appliances, solar arrays, satellite domes, outdoor gear, and personal belongings inside the coach.

Nationwide heavy-duty RV towing, mobile mechanic dispatch, and up to $2,000+ in hotel/travel reimbursement.

Reimburses attorney fees, notary/filing costs, refiling of loan applications, and lost wages while resolving fraud.

A licensed fraud investigator handles credit bureaus, banks, IRS filings, and creditors on your behalf.

Covers deceptive wire-transfer fraud, online banking theft, smart-home extortion, and data restoration.

Automatically extends coverage to your spouse, domestic partner, children at college, and elderly parents in your household.

Sits seamlessly above your Auto, Home, Condo, Renters, Boat, Motorcycle, RV, and personal rental properties.

Follows you and your household members anywhere in the world, including international travel incidents.

Pays attorney fees, court costs, and expert witnesses in addition to your multi-million-dollar policy cap.

Adds up to $1M+ in extra coverage for your own family's medical recovery if struck by an uninsured driver.

Covers lost stones, damaged clasps, theft, and mysterious disappearance anywhere in the world with $0 deductible.

Specialized itemized or blanket schedules for paintings, sculptures, rare wine collections, cameras, and heirlooms.

Pays the full scheduled appraised value—plus up to 150% if the market value of fine art or jewelry has spiked.

Bind coverage immediately on most rings and watches without waiting for a formal gemological appraisal.

Covers ACL tears, swallowed objects, hip dysplasia, allergies, cancer treatments, and chronic illnesses.

Full diagnostic workups, ultrasound, bloodwork, emergency ICU stays, and specialty surgeries.

No restrictive networks—visit your neighborhood vet, 24/7 emergency clinic, or board-certified specialist.

Reimburses annual exams, vaccines, dental cleanings, flea/tick prevention, and heartworm testing.