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Citizens Platinum Home
|Waiver of Deductible
When there is a single loss that affects more than one property (such as two cars, or a car, home, and boat) only the highest policy deductible will apply when the loss to that policy exceeds the deductible. All other policy deductibles will be waived.
|Fire Extinguisher Recharge or Replacement
Pays to recharge or replace a portable fire extinguisher used to fight a fire in the covered home. No deductible.
|Mortgage Extra Expense Coverage
If you have a total loss to your home, you’ll get reimbursed for certain expenses¹ to replace your property. If you need a new mortgage and it has a higher interest rate (at the same principal amount and term), additional interest—one year—is covered.² This benefit also includes up to $1,000 for title, appraisal, and application fees. No deductible.
|Siding and/or Roof Restoration Coverage
Provides coverage up to $20,000 for the cost to replace any undamaged portion of certain types of siding or roofing when similar materials are no longer available to repair or replace the damaged portion of the siding or roofing.(Home policies only)
|Extended Dwelling Replacement Cost
Extended Dwelling Replacement Cost of losses exceeding the policy’s limit, up to 125% of Coverage A. Benefits include:
|Personal Property Replacement Cost
Personal Property Replacement Cost for damaged, destroyed or stolen property—with no deduction for age or condition
Food products in a refrigerator or freezer due to loss of power
Lock Replacement of external locks when keys are stolen
|Extended Dwelling Replacement Cost
Extended Dwelling Replacement Cost of losses exceeding the policy’s limit, up to 150% of Coverage A
|Water Back-up and Sump Overflow
Covers property losses and clean-up costs that result from water backing up through sewers or drains or sump overflows—up to $10,000
Personal Injury costs including lawsuits involving invasion of privacy, wrongful eviction or wrongful entry as well as interest on judgments, lawyer’s fees, court costs and time off from work
|Identity Fraud Expense
Identity Fraud Expense providing reimbursement for legal fees, document duplication, mailing costs and more
Removes the deductible when the loss to the home exceeds $50,000
|Special Personal Property Coverage
Covers against all but specifically named causes of loss (such as freezing, wear and tear, smog, rust and corrosion, release or escape of pollutants) and broadens some policy payment limits. Covers:
Upgrade to Platinum Select Premium Extra for Guaranteed Replacement Cost
Increased Loss of Use limit to Actual Loss Sustained during a coverage period—from time of loss up to 24 months³, for the security of knowing that temporary living expenses will be covered—and those important “extras” you may face after a loss, such as debris removal, bringing an older home up to current building codes, permit fees, etc.
²With payments to you made semi-annually.
³Specific state ordinance/law and Loss of Use limits apply.
Hanover Platinum Protection Home Endorsements
Some home additions that every homeowner should consider
Not all home additions involve an increase in square footage. However, these special home endorsements will definitely add new dimensions to your Platinum Home policy.Equipment Breakdown
- Expediting Expense—reasonable cost to expedite repairs or replacement
- Pollution Clean-Up and Removal Coverage
- Coverage for Food Spoilage
Assisted Living Care Coverage
- Additional Living Expenses—Up to $500 per month in increased living expense (12-month, $6,000 maximum) if a loved one is temporarily displaced because of a covered loss.
- Personal Liability Coverage—For unforeseen bodily injury or property damage resulting from the Insured’s activity with a choice of limits of $100,000 or $300,000 per occurrence.
- Personal Property Coverage—Provides special limits of liability for lost or broken personal belongings, including clothing, and specific items such as hearing aids, false teeth, eyewear, and walking aids.
Water Back-up and Sump Overflow
- Boilers, washers, dryers, and other appliances
- Personal property stored at floor level
Guaranteed Replacement Cost