The following coverages are either included or can be added to your Stillwater homeowners insurance policy for an additional cost:
Extended replacement cost for your home: Extends your dwelling coverage limit up to 25% in the event 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.
Water backup: Protects your home and belongings from water backup damage caused by a sump pump overflowing or clogged sewer.
Ordinance or law: Pays the extra cost of getting your home up to code after a covered loss.
Debris removal: Covers the cost to remove debris after a disaster.
Landscaping: Pays to replace plants, shrubs, and trees after a covered loss.
Inland flood: Covers the cost of inland flood damage caused by overflow of streams or rivers, rain accumulation or snowmelt, and mudflow.
Inflation guard: Increases your policy’s dwelling coverage limit to reflect the current construction and labor costs in your area due to inflation.
Service line: Pays to repair water pipes, power lines, and other utility lines that run through your property if they’re damaged by a covered loss.
Sinkhole: Covers your home against damage caused by a sinkhole.
Mold, fungus, or rot damage: Pays for damage to your home and belongings caused by mold, fungus, or rotting.
Home system protection: Offers coverage for your refrigerator, air conditioner, water heater, and other appliances against perils not typically covered by a standard home insurance policy.
Scheduled personal property: Offers increased coverage limits for specific valuables, like jewelry, sports equipment, and fine artwork.
Special personal property: Upgrades your personal property coverage to include all types of risk — not just the named perils listed in Stillwater’s base policy.
Identity theft expense recoupment: This supplemental coverage pays for expenses that come with recovering your identity, as well as credit monitoring services after the loss.
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.
Personal injury: Expands liability coverage to include personal injury to others, such as slander, libel, wrongful eviction, or false arrest.
Food spoilage: Pays up to $1,000 for food in your refrigerator or freezer that spoils due to a power outage or mechanical breakdown.
Earthquake insurance: Covers your home and belongings against earthquake damage.
Personal umbrella insurance: Provides up to $5 million in additional liability protection for expensive medical or legal bills you’re found legally responsible for.
Renters insurance: Includes coverage for 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..