Signature Choice Home
Successful individuals and their families have a lot to protect. That includes their dwelling, other structures on their property – such as pool houses and guesthouses – their belongings, and some exposures to liability that are largely unique to people in their circumstances.
Signature Choice is our flagship coverage for owners of substantial properties. It goes far beyond a standard homeowners policy to provide financial protection and account services suitable for individuals with substantial properties and assets.
Five High-Value Coverages
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 sewer pipe or a drain backs up into your house, or if your house floods because your sump pump fails
Coverage for liability for claims and lawsuits against you
Three Specialty Features
Claim payment deductibles are waived for losses of $50,000 or higher.4
Claim payment deductibles are waived for 25 coverages in the policy.
Higher Coverage Amounts
Losses related to structures on your residence premises other than your dwelling
Reimbursement for additional living expenses you incur if you cannot live in your residence
Complying with building code laws or ordinances
Theft of money, banknotes, or precious metals
Loss costs related to credit cards, EFT cards/access devices, and more
Theft and/or disappearance of jewelry, precious/semi-precious stones, watches, and furs
Theft and/or disappearance of silverware and other valuable metalware
Reimbursing another person if you accidentally damage their property
Reimbursing guests or domestic employees for damage to their property
Loss to 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
Signature Choice provides up to $5,000 of coverage for theft of or damage to 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.
Signature Choice also extends liability coverage for homeowners operating outboard boats up to 50 horsepower.
Great for Small Etsy, eBay, and Shopify Sellers, and Occasional Freelancers
Coverage for your incidental business
Coverage for loss to your business data
Coverage for loss to your business property
Safety and Security
Kidnap/Ransom Expense Coverage
Loss prevention device installment costs after a loss
Wildfire defense measures reimbursement
Identity fraud expenses and restoration services reimbursement
Reimbursement for replacing door locks
Police Department service charge reimbursement
Fire Department service charge reimbursement
HOA Member Coverages
Coverage for HOA member loss assessments. HOA fees can include member charges (assessments) related to repair or replacement of damage done to common areas of the association. If your HOA assesses you a fee related to a loss, such as repairs for damage to a tennis court when a tree fell on it, this coverage will pay up to $50,000 to meet the demand. No claim payment deductible applies to this coverage.
Coverage for HOA member association deductible assessments. If your association’s master insurance policy covers a loss, you may be assessed (charged) a portion of the policy deductible. If that happens, this coverage will pay up to $10,000. No claim payment deductible applies to this coverage.
Personal electronics in a vehicle
Jewelry, silver, and securities stored in a bank vault
Grave markers and mausoleums
Extra mortgage expense reimbursement after a total loss
Personal computer data re-creation reimbursement
Reimbursement for advance payments made to a facility
Homeowners Need a Risk Coach™
A 2022 survey found that 96% of respondents misunderstood at least one important feature of their coverage. More than half misunderstood several. We want better than that for our clients. So our Risk Coach consultants are licensed insurance professionals who are trained to look at coverage from your perspective. They help ensure you get the right coverage at the best price.
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 Coach consultants 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.