Protecting Your Personal Property The HO-5 endorsement is now available to California & Nevada homeowners. Fall 2008 Issue
CIG redefines protection for homeowners with our new HO-5 endorsement! The HO-5 endorsement significantly expands Personal Property coverage and includes additional benefits at a competitive price.
The HO-5 endorsement is available for an additional premium and adds the following valuable Property coverages to your Homeowners (Form HO-3) policy:
- Special Personal Property Protection: Unlike a standard Homeowners insurance contract, our HO-5 endorsement provides protection for your personal property for the same Comprehensive coverage that we provide for your home. In short, the HO-5 endorsement covers any loss that is not specifically excluded.
- Water Back Up and Sump Overflow: The HO-5 endorsement includes up to $5,000 of coverage to repair direct physical losses caused by water that overflows from a sump pump or backs up through a sewer or drain.
- Keys and Lock Replacement: The HO-5 endorsement includes up to $500 of coverage to replace locks damaged in the course of theft of property from your residence or in the event your keys are stolen. This additional coverage is not subject to a deductible!
- Misplaced/Lost Jewelry, Silverware & Firearms: The HO-5 endorsement includes protection in the unfortunate event items such as these are misplaced or otherwise lost. Some policy limitations apply.
Coverage summary information is provided here for illustrative purposes only. Your CIG Insurance Advisor will provide full details on coverages, limitations, exclusions, eligibility and pricing.
Contact your CIG Insurance Advisor today for a policy checkup and to get more information on the value and peace of mind packaged in our new HO-5 endorsement.