|
ERIE'S HOME PROTECTOR
Xtra Features
ERIE's HomeProtector Policies automatically include more than 50 Xtra
Protection Features. It is this innovative spirit that helps ERIE set the standards for
now and the 21st Century. Your ERIE Agent will be happy to show you an ERIE policy and
point out the many Xtra Features. Some of these include:
- Coverage up to $2,500 for the loss due to theft, forgery or
unauthorized use of a credit card and unknowingly accepting counterfeit money.
- Payment up to the Personal Property limit for loss to contents of
a refrigerator or freezer on the residence premises from either power or mechanical
failure.
- Reimbursement for fire extinguisher recharge (after a fire loss).
- Payment for replacement of automatic garage door transmitters
which have been stolen. Also, coverage is provided for cost to reprogram the frequency on
additional transmitters and/or the control unit box.
- Coverage up to $3,000 for theft of jewelry, watches, furs,
precious and semi-precious stones. (Coverage for misplacing or losing of jewelry, watches,
furs, precious and semi-precious stones is included in Ultracover and Condocover
Policies.)
- Payment for all reasonable fire department service charges to
save or protect insured property.
- Coverage up to $3,000 for theft of guns. (Coverage for misplacing
or losing of guns is included in Ultracover and Condocover Policies.)
- Coverage up to $3,000 for theft of silverware, silver-plated
ware, goldware, gold-plated ware and pewterware. (Coverage for misplacing or losing of
silverware, silver-plated ware, goldware, gold-plated ware and pewterware is included in
Ultracover and Condocover Policies.)
(Not applicable in Virginia.)
- Under the liability and medical payments protection, coverage for
watercraft powered by one or more outboard motors with up to and including 75 total
horsepower.
Endorsement
While ERIE's policies provide some of the most comprehensive product
features in the industry, we also offer many optional coverages to meet your particular
needs.
Expanded Endorsement
For a minimal additional premium, The ERIE will increase the special
amounts shown under the Personal Property Coverage of you policy to the following:
- $500 - (Broadcover, Extracover, and Tenantcover Policies) for money,
bank notes, bullion, gold other than goldware, silver other than silverware.
- $750 - (Ultracover and Condocover Policies) for money, bank notes,
bullion, gold other than goldware, silver other than silverware.
- $2,500 - Accounts, bills, deeds, evidences of debt, letters of credit,
securities, tickets, stamps and philatelic property.
- $2,500 - Trailers and campers (not otherwise insured) whether licensed
or not.
- $2,500 - Watercraft, including their trailers (whether licensed or not),
furnishings, equipment and outboard motors.
- $5,000 - Theft of guns (Broadcover, Extracover and Tenantcover Policies
only).
- $5,000 - Theft, misplacing or losing of guns (Ultracover and Condocover
Policies only).
- $5,000 - Theft of jewelry, watches, furs, precious and semi-precious
stones (Broadcover, Extracover, and Tenantcover Policies only).
- $5,000 - Theft, misplacing or losing of jewelry, watches, furs, precious
and semi-precious stones (Ultracover and Condocover Policies only).
- $5,000 - Theft of silverware, silver-plated ware, goldware, gold-plated
ware and pewterware (Broadcover, Extracover, and Tenantcover Policies only).
(Not applicable in Virginia.)
- $5,000 - Theft, misplacing or losing of silverware, silver-plated ware,
goldware, gold-plated ware and pewterware (Ultracover and Condocover Policies only).
(Not applicable in Virginia.)
Enhancement Endorsement
(Available on Ultracover, Extracover, and Broadcover Policies Only)
For a minimal additional premium, The ERIE will increase the special
amounts shown under the Personal Property Coverage of your policy to the following:
- $750 - Money, bank notes, bullion, gold other than goldware, silver
other than silverware.
- $2,500 - Accounts, bills, deeds, evidences of debt, letters of credit,
securities, tickets, stamps, and philatelic property.
- $2,500 - Trailers and campers (not otherwise insured) whether licensed
or not.
- $2,500 - Watercraft, including their trailers (whether licensed or not),
furnishings, equipment, and outboard motors.
- $5,000 - Theft of guns (Broadcover and Extracover Policies only).
- $5,000 - Theft, misplacing or losing of guns (Ultracover Policy only).
- $5,000 - Theft of jewelry, watches furs, precious and semi-precious
stones (Broadcover and Extracover Policies only).
- $5,000 - Theft of guns (Broadcover and Extracover Policies only).
- $5,000 - Theft, misplacing or losing of guns (Ultracover Policy only).
- $5,000 - Theft of jewelry, watches, furs, precious and semi-precious
stones (Broadcover and Extracover Policy only).
- $5,000 - Theft, misplacing or losing of jewelry, watches, furs, precious
and semi-precious stones (Ultracover Policy only).
- $5,000 - Theft of silverware, silver-plated ware, goldware, gold-plated
ware and pewterware (Broadcover and Extracover Policies only).
(Not applicable in Virginia.)
- $5,000 - Theft, misplacing or losing of silverware, silver-plated ware,
goldware, gold-plated ware and pewterware (Ultracover Policy only).
(Not applicable in Virginia.)
In addition, this endorsement will provide these outstanding features:
- Payment up to an additional 10 percent of the amount of insurance under
Dwelling Coverage for loss to trees, shrubs, plants, and lawns at the residence premises.
(See endorsement for coverage provisions.)
- Payment for direct loss caused by water or sewage which backs up through
sewers or drains.
- Ordinance or law coverage.
- Waive the deductible shown on the Declarations for any loss from a
covered peril, exceeding $50,000.
Additional Endorsements
In addition, some of the other available endorsements include:
- Earthquake Coverage
- Nurses' Professional Liability
- Personal Computer Coverage (All-Risk Coverage)
- Replacement Cost on Personal Property
- Sinkhole Coverage
- And more...
Discounts and Credits
The ERIE also offers various discounts and credits on its HomeProtector
products including:
- New Home Discount
- Premises Alarm
- Sprinkler System Credit
- Multi-Policy Discount
See your ERIE Agent for the details.
The above information is not an insurance policy. The ERIE's policies
contain the specific details of the coverages, conditions and exclusions. Always contact
your ERIE Agent when you have specific questions.
Note: Not all lines of insurance coverage are available in each state. |
