Policy Features
|
What Does This Mean?
|
Plan |
| Small-Claim Forgiveness |
A benefit that prevents your policy premiums from increasing due to small claims under $250. |
ADVANTAGE
ULTIMATE
|
| Claim Forgiveness Ultimate |
Policies in the Ultimate Plan will receive a claim forgiveness available immediately upon purchase. |
ADVANTAGE
ULTIMATE
|
| Claim-Free Rewards |
Earn cash back or a renewal credit, 3% up to $50, for remaiing claim free every policy term. |
ADVANTAGE
ULTIMATE
|
| Disappearing Deductible |
Reduces the deductible $50 every term you are claim-free, up to a maximum reduction of $500. |
ADVANTAGE
ULTIMATE
|
Policy Coverages
|
What Does This Mean?
|
Plan |
| Service Line Coverage |
Included with Ultimate Plan, coverage is available for loss or damage resulting from a service line failure. |
ADVANTAGE
ULTIMATE
|
| Home Systems Protection |
Included with Ultimate Plan, coverage is available for breakdown protection to equipment and devices throughout the home, including central air conditioning, furnaces and water heaters. |
ADVANTAGE
ULTIMATE
|
| Optional Coverages |
What Does This Mean? |
| Building Codes |
For an additional premium, this coverage provides for loss caused by enforcement of ordinances or laws regulating construction at the time of a covered loss. |
| Water Damage Coverage—Sewer, Drain and Sump Pump |
For an additional premium, extends coverage for water back-up losses under Cov A, Cov B and Cov C, where applicable. |
| Limited Matching of Undamaged Roof and/or Siding Coverage |
For an additional premium, limited matching coverage is provided for the undamaged portion of the dwelling in the event of a covered loss. |
| Personal Property Reimbursement |
For an additional premium, replacement cost on personal property is provided for homeowners insurance, optional benefit for renters insurance. |
| Landscaping and Yard Coverage |
For an additional premium, this endorsement extends the limits for trees, shrubs, plants and lawns. |
| Electronic Data Restoration Coverage |
For an additional premium, extends coverage to reimburse an insured person for expenses they’ve paid a data recovery firm for restoration of personal electronic data in the event of a covered loss. |
| Extended Limits on Building Structure Coverage—Select 120% or 140% |
For an additional premium, this coverage extends the limit of liability shown on the Declaration Certificate for Dwelling Coverage or Additional Structures Coverage, not to exceed either 120% or 140% of the limit indicated on the policy declarations, if the conditions indicated in the endorsement are met at the time of loss. |
| Scheduled Personal Property Endorsement |
For an additional premium, extended coverage is provided for personal property that has been appraised up to the limit of liability indicated on the Declaration Certificate. |
| Expanded Coverage—Jewelry, Watches, and Furs |
For an additional premium, this endorsement provides open peril coverage for loss to jewelry, owned by an insured person up to the limits of liability indicated on the policy declarations. |
| Additional Insured—Trust |
Allows for the addition of a trust and trustee, adding these as defined terms and considering them insured persons throughout the policy. |
| Green Upgrades Coverage |
For an additional premium, this coverage reimburses the customer for additional costs for replacement of certain categories of covered property with items that have a higher level of energy efficiency. |
| Home Day Care Coverage |
For an additional premium, the coverages provided under the policy are extended to apply to the home day care business conducted by an insured person on/within the insured premises. |
| Home Hosting—Incidental Rental Coverage |
For an additional premium, this endorsement adds an additional protection for loss to your personal property caused by temporary renters. The limit of liability for this additional protection is $10,000 per rental period as defined in the endorsement. In addition, this endorsement removes the exception to the Coverage C theft peril that indicated we do not cover theft from that part of the residence premises rented by you to other than an insured person. |
| Specified Business Pursuits Coverage |
For an additional premium, coverage is provided for additional structure, personal property and liability for business conducted at the dwelling location. |
| Participatory Discounts |
What Does This Mean? |
| AAA Membership Discount |
A discount that rewards you based on the number of years you’ve been a member of AAA. |
| Paperless Discount |
Receive your documents electronically and save. |
| Advance Purchase Discount |
Save when you purchase your poilcy a select number of days in advance of the policy effective date. |
| Multiple-Product Discount |
Have an auto policy or active life insurance policy through an eligible insurance company and save. |
| Household/Insured Discounts |
What Does This Mean? |
| Smoke-Free Discount |
Save if all occupants living at the residence are non-smokers. |
| Home Buyer Discount (Homeowners only) |
For newly purchasing the home you are insuring. |
| Retired Homeowner Discount |
If insureds are at least 55-years-old and retired. |
| Claim-Free Discount |
For being claim-free while maintaining continous coverage for at least one year. |
| Prior Insurance Discount |
If you switch to AAA from another insurance carrier and had more tenure with your previous carrier. |
| Dwelling Discounts |
What Does This Mean? |
| Hail-Resistant Roof Discount (Homeowners only) |
For having a hail-resistant roof. |
| Roof Age Verification Discount (Homeowners only) |
When the roof age is verified with documentation. |
| Safety Device Discount |
Based on the fire, theft and water safety devices installed in the residence. |
| Fortified Home Discount (Homeowners only) |
If the home is certified as Fortified/Secured for Safer Living by the Institute for Business and Home Safety (IBHS). |