If you have an umbrella policy, you may not need it. Your standard policy's liability coverage doesn't include structures you rent for personal income. Coachhouses, poolhouses and converted basements need a separate endorsement of Income Property to help protect you. These codes may change over time as new safety features or stronger materials are standardized. The Ordinance and Law endorsement extends coverage for the additional costs of reconstructing your home under current codes.
Watercraft provides liability coverage for certain types of watercraft.
Not all carriers offer watercraft as an endorsement. Ask your agent. Request a Quote. To return to the main Homeowners' Menu click here.