Discover optional coverages that can help protect what matters most & the discounts available to you.
Is your policy protecting everything you expect?
Many coverages aren’t automatically included in every policy. These optional endorsements can provide additional protection for your property, vehicles, assets, and more.
Every insurance policy is different, and no two individuals have the same needs. That in mind, our carrier partners offer optional endorsements that can customize your coverage beyond a standard policy. Explore some of these endorsements below to learn what they cover, who they’re best for, and why they may be worth considering.
If you’re unsure whether you already have one of these coverages, if you’d like to discuss in more details or if you’d like to make an adjustment, we’re here and ready to review your policy and help you identify any gaps.
Property
Buried Lines: Did you know that the repair or replacement of service lines on your property may be your responsibility — and that homeowners insurance policies typically do not cover damage to them?
With Buried Utility Lines Coverage, an option available with your Travelers homeowners policy, you can be covered when one of these lines leaks, breaks, tears, ruptures, collapses or arcs. Should a covered loss occur, coverage is available to help cover the cost of the damage to the utility line, excavation costs and expediting expenses to make repairs.
Equipment Breakdown: Many homes rely on appliances and equipment every day. Equipment Breakdown Coverage is an optional endorsement that can help to protect many of your home’s major systems and appliances from unexpected mechanical or electrical breakdowns. If a covered breakdown occurs, this coverage can help pay for the cost to repair or replace the damaged equipment.
Enhanced Water Package: This endorsement includes Water Back Up & Sump Discharge or Overflow ($5,000 up to 100%) and Limited Hidden Water Damage ($5,000 – $20,000)
Auto
Extended Transportation Expense (Rental Coverage): Can cover a rental car if your vehicle is being repaired after an accident.
Trip Interruption: Can help pay for expenses like lodging and meals if your car breaks down during a trip: trip interruption can provide up to $200 a day (maximum of $600) for meals and lodging if your car breaks down at least 100 miles from your home and is out of commission for more than 24 hours.
Personal Umbrella
Whether it’s a serious car accident involving extensive medical bills or an incident on your property, you may quickly find yourself responsible for damages that exceed the limits of your auto, homeowners, or boat policies. That’s when having an umbrella insurance policy can provide coverage that goes beyond the limits of your primary coverage.
Travelers umbrella insurance can help provide coverage for:
- $1 million to $5 million of liability, which can help protect assets such as your home, car and boat.
- Claims like libel, slander, defamation of character and invasion of privacy.
- Legal defense costs like attorney fees and other charges associated with lawsuits.
- Liabilities that happen outside the United States.
In today’s world, anyone can face a lawsuit, even if you’ve done nothing wrong. That’s why it’s more important than ever to consider adding an umbrella policy as an extra layer of protection for your assets – and your peace of mind.
Some of the Travelers Discounts Available:
- Central Station Alarm Discount (burglar and/or fire)
- Water Sensor/Automatic Water Shutoff Discount
- IntelliDrive Enrollment
- Paid in Full Discount
- Student Away at School Discount/Good Student Discount
Travelers Personal Insurance Quote Request
As an independent agency, we offer multiple options at competitive prices.
