Premier Choice Home
Eleven more coverages and 19 higher coverage amounts than a standard policy.
Homeowners have seen a multifold increase in the value of their investment in their property in just a few years. If you’re conscious of the value of your investment in your home and the cost of rebuilding it if needed, Premier Choice may be your best investment yet.
5 Key Coverage Upgrades
Payment for rebuilding your home after a major loss
Coverage for the cost of removing debris created by damage to your property
Payment for replacing your damaged or destroyed personal property with new items
Payment toward cleaning/repairs if your water or sewer pipe backs up into your house or if your sump pump fails
Coverage for liability claims and lawsuits against you
Higher Coverage for Specialty Items and Circumstances
Complying with rebuilding ordinances or laws
Reimbursement for additional living expenses you incur when you can’t live in your home
Theft of money and precious metals from your household
Loss costs related to credit cards, EFT cards/access devices, and more
Theft and/or disappearance of jewelry, precious/semiprecious stones, watches, and furs
Theft and/or disappearance of silverware and other valuable metal ware
Reimbursing another person if you accidentally damage their property
Valuable papers and securities
Theft and/or mysterious disappearance of firearms
Damage to trees, shrubs, and other plants
Utility trailers and semitrailers
Good News for Watercraft Enthusiasts
Premier Choice provides up to $3,000 of coverage for watercraft (including wave runners) and watercraft trailers, furnishings, equipment, and outboard engines and motors while they’re stored on your property in an enclosed building.
Premier Choice also includes liability coverage for homeowners operating outboard boats up to 50 horsepower.
Great for Etsy, Small eBay, or Shopify Sellers and Occasional Freelancers
Are you one of the millions of people who who have a small side business? If so, you'll benefit from these coverages.
Loss to your business property
Safety & Security Reimbursements
Identity fraud expenses and restoration services
Police department service charges
Fire department service charges
HOA Member Coverages
HOA member association deductible assessments
Additional Coverages
Your electronics while they’re in a vehicle
Jewelry, silver, and securities stored in a bank vault
Extra mortgage expenses after a total loss
Personal computer data re-creation
Call or use Chat to Contact a Risk Coach
Use the chat feature on this page, or call us for a no-cost, no-obligation-to-buy, coverage needs assessment. Our Risk Coaches are glad to help you navigate the complex world of homeowners insurance coverage. Call us at 800.342.5342 Monday through Friday, from 8:00 a.m. to 8:00 p.m. ET.

Call or Use Chat to Contact a Risk Coach
For a no-cost and no-obligation-to-buy coverage-needs assessment, use the chat feature on this page or call us. Our Risk Coaches are glad to help you navigate the complex world of homeowners insurance coverage.
Call us at 800.342.5342, Monday through Friday, from 8:00 a.m. to 8:00 p.m. ET.

Home values are at an all-time high. Make sure you protect your investment in your home with sound coverage. This easy-to-understand coverage chart (PDF 820kb) helps you know what to get and why.

Utility Line Repair and Replacement coverage. Municipalities and utility company often place the burden - and cost - of repairing or replacing damaged service lines. This very inexpensive ($66 per policy term) endorsement provides up to $20,000 in coverage.