Philadelphia insurance bell endorsement

Available in all states, the Liberty endorsement brings a higher degree of confidence and security to your homeowners policy so that the policy will respond in the event of a loss from an wider menu of circumstances and offers higher sub-limits for certain types of property.

Service Line Coverage provides for the repair or replacement of underground systems that service the household, such as sewer lines, plumbing, electricity, natural gas, as well as telecommunications and internet access. Service line coverage also includes the cost to replace landscaping, concrete work, and anything necessary to access the underground systems and restore the property to its pre-loss condition.

Inland Flood Coverage is a unique endorsement that provides coverage for losses due to flooding, including things that are not covered by the traditional flood policy form. Eligibility is based on proximity to high risk flood zones. This endorsement is NOT a substitute for a traditional flood policy. Water Backup Coverage is an important coverage to add onto the homeowners policy. This endorsement is NOT a substitute for a traditional flood policy.

Water Backup Coverage is an important coverage to add onto the homeowners policy. These limits can vary by state. Equipment Breakdown Coverage provides coverage for breakdown of electrical equipment.

Functional Replacement Cost is ideal for homes built in or prior. This endorsement reduces the premium by allowing for the replacement of older construction materials with more modern but functionally equivalent ones, such as drywall for plaster or crown molding for custom molding. Unique Coverages and Endorsements.