You can add these additional coverages to your Mutual of Enumclaw homeowners insurance policy for even more protection:
Extended replacement cost for your home: Extends your dwelling coverage limit 25% or 50% in case rebuild costs exceed your policy limit after a covered loss.
Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.
Scheduled personal property: Offers higher coverage limits for specific scheduled items like silverware, jewelry, fine art, collectibles, and other priceless possessions.
Blanket personal property: Increases coverage limits for everything in a category of items, like jewelry, firearms, or computers.
Ordinance or law: Pays the extra cost of getting your home up to code after a covered loss.
Water backup: Coverage if water backs up through your sewer or drains, or if your sump pump stops working.
Service line: Pays to repair or replace underground pipes or wires on your property that are damaged due to a leak, break, tear, rupture, or collapse.
Equipment breakdown: Pays to repair or replace AC units, water heaters, and other home systems that are damaged due to mechanical breakdown.
Wildfire defense service: Complimentary wildfire protection and mitigation services available to homeowners at high risk of wildfire damage.
Business property: Offers coverage if your work laptop or other business property is damaged in a covered loss.
Loss assessment: If you live in a condo or gated community with an HOA, this covers you for the portion of damage to common areas you’re responsible for.
Animal liability: Covers medical and legal bills if your dog, cat, or other pet injures someone or damages their property and you’re found legally responsible.
Identity theft: Offers everything from assistance with your credit reports to attorney fees resulting from identity fraud to help replacing personal identification documents destroyed in a natural disaster.
Personal injury liability: Expands liability coverage to include personal injury to others, such as slander, libel, wrongful eviction, or false arrest.
Cyber protection: Coverage against cyber attacks, online bullying, fraud, extortion, and data breaches.
Increased landscaping: Increases coverage limits to replace plants, shrubs, and trees after a covered loss.
Freezer contents: Covers spoiled food if your refrigerator or freezer stops working due to a power outage or breakdown.
Increased debris removal: Increases coverage limits to remove debris after a disaster.
Golf cart rental: Provides damage and liability protection for rented golf carts.
Lock and key replacement: Pays to replace your locks and keys.
Vacation home insurance: Protects your vacation home and personal belongings against fire, theft, hail, windstorms, and other covered perils.
Mobile home insurance: Insures your manufactured or mobile home with the standard coverages listed in the above section.
Renters insurance: Purchased by tenants, renters insurance covers the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Landlord insurance: Includes coverage for the structure of your rental property, liability situations, loss of rental income, and landlord furnishings and appliances.
Farm and ranch insurance: Offers a slew of property and liability coverage options for corporate farms, hobby farms, and everything in between.