Please see Personal Property Exclusions and Limits of Coverage for more specific information. Deductibles With a homeowners policy, a deductible applies to the property portion of the policy. A deductible is the amount you would have to pay out of your own pocket before the insurance coverage kicks in. The higher the deductible you select, the lower your premium payment is. Endorsements Endorsements are modifications which enhance your basic homeowners policy either by adding or removing certain coverages.
Special limits apply to certain items such as jewelry, watches and furs.
There are several endorsements or separate policies to cover personal property items for higher limits of coverage. For more information, you should speak with an independent agent. Personal Liability Provides coverage for bodily injury or property damage that you are legally responsible for. For example, your dog bites someone, a guest falls down your front stairs, your son throws a ball through your neighbor's window. The section we can help you determine whether the liability limits available on your homeowners policy are sufficient for your needs.