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Special Items Coverages

Antiques

A common misconception among insureds is that their homeowner policy will provide protection if their antiques are damaged or destroyed. A typical homeowner policy does provide some coverage but not for the antique value associated with these items. Additional protection should be purchased to protect this investment. Below is a chart outlining the protection a basic homeowner policy provides as compared to a homeowner policy with Utica's Solution.

Coverage
Descriptions:
Homeowner Policy
Homeowner with Utica's Valuable Articles Blanket Coverage Endorsement
Homeowner with
Utica's Valuable Articles Agreed Value Endorsement
A typical homeowner policy provides only minimal coverage for antiques. This policy provides coverage to replace the item but does not take into consideration the value associated with being an antique.

This endorsement broadens your basic home coverage. In the event of a loss, a limited amount per item, as specified in the policy, would be paid.

Note: There is no coverage for breakage unless specified when purchasing this endorsement.

This endorsement broadens your basic home coverage so in the event of a loss, the amount as agreed in the policy for each item would be paid. Typically each item must be appraised to determine value prior to insuring under this coverage.

Note: There is no coverage for breakage unless specified when purchasing this endorsement.

Commonly Asked
Questions:
Homeowner Policy
Homeowner with Utica's Valuable Articles Blanket Coverage Endorsement
Homeowner with
Utica's Valuable Articles Agreed Value Endorsement
Q. My wife and I are avid antique collectors. We had a fire in our family room. It caused damage to a rare painting that is worth $5000.00. Does my homeowner policy provide coverage for the painting? A. Yes, a standard homeowner policy would provide coverage for all contents destroyed by the peril of fire. However, the painting is covered only for the cost to buy a painting of similar theme and size, with no consideration for the antique value of your item.

A. Yes, this loss would be covered. However a limit per item would apply as specified in the policy.

 

A. Yes, this loss would be covered up to the agreed value as stated in your policy, assuming the coverage is based on a recent appraisal.

 
Q. My dog accidentally bumped an antique vase off the table and broke it. Will my homeowner policy provide coverage to replace it? A. A standard homeowner policy provides only basic coverage, which does not include breakage coverage. A. Yes, coverage is provided if you specified you wanted breakage coverage for this item. Coverage is limited per item as stated in your policy. A. Yes, coverage is provided if you specified you wanted breakage coverage when you purchased this endorsement. Coverage is limited to the agreed value as stated in your policy.
Q. Does my homeowner deductible apply if I have a claim on my antiques? A. You would be responsible for the deductible. Note: A typical homeowner policy does not provide coverage for the antique value associated with your items. A. No, you would not be required to pay the deductible amount. A. No, you would not be required to pay the deductible amount.

Boats

 

Like your home and auto, a boat may be an investment you'd like to protect. Your homeowner policy may provide some basic coverage, but a separate policy provides greater protection. Review the chart below to find out what a basic homeowner policy will cover, along with the advantages of a separate boat policy.

Coverage Descriptions:
Homeowner Policy
Boat Policy
Homeowner policies automatically provide a limited amount of property and liability coverage for certain exposures. The standard Homeowner policy provides up to $1,000 coverage for loss to watercraft including the trailer, furnishings, equipment and motor limited to specific cause of loss. Each company has its own version of a boat policy. Generally, most boats are covered under a boatowners or yacht policy depending on the boat's size and value.

Commonly Asked Questions:
Homeowner Policy
Boat Policy
Q. Does my policy provide protection if my boat is damaged? A. With a basic policy only $1000.00 is covered. Additional coverage may be added to your homeowner policy with a watercraft endorsement, but the coverage may still be limited. Both of Utica's Extension PAC endorsements provide limited watercraft coverage. A. Yes, it does, only if a boat policy is purchased that is tailored to the value and specifications of your boat. These types of policies can contain coverage for both property and liability.
Q. While boating on the lake, I hit the bottom and damaged the motor on my boat. Will my policy pay to repair or replace my damaged motor? A. Generally no, the basic homeowner policy would not cover this. The watercraft endorsement with sufficient limits would cover this. A. Yes, a boat policy can be purchased that is tailored to the value and specifications of your boat. These types of policies can contain coverage for both property and liability.
Q. While backing my trailer down the launch ramp, my boat struck the dock, damaging both the dock and my boat. Does my policy provide protection to repair the dock and the boat? A. Generally no, the basic homeowner policy would not cover this. The watercraft endorsement and your auto policy possibly would provide the appropriate coverage. Contact your agent for more information. A. Yes, your boat policy would provide coverage for damage to the boat while your auto policy would cover your trailer in tow and damage to the dock.
Q. Are there any discounts available for boat policies? A. No A. Yes, there are often discounts available if you have or have taken boating safety courses, Coast Guard certification, and protective devices.

Collectibles

 

Collectibles can mean just about anything these days from teacups to trading cards to Hummel's figurines. The standard homeowner policy may not provide all the protection you might need for your collectibles. Additional protection can generally be purchased to adequately protect your items. Our chart below illustrates the difference between a standard homeowner policy and Utica's Solution along with answers to some commonly asked questions.

Coverage Descriptions:
Homeowner Policy
Homeowner with Utica's Scheduled Personal Property Floater Coverage
Homeowner with
Utica's Personal Property Blanket Coverage
A typical homeowner policy provides coverage but does not include breakage or take into consideration the additional value associated with items due to historical or sentimental value (which can never be covered).

This additional endorsement provides protection for your collectibles when scheduled. This coverage is limited per item and breakage is not included unless specifically requested at the time you purchase this endorsement.

This additional endorsement provides protection for your collectibles on a blanket basis. There is a limit per item (as determined in your policy). For your most expensive items you may consider the scheduled floater. Breakage coverage is not included unless specifically requested at the time you purchase this endorsement.

Commonly Asked
Questions:
Homeowner Policy
Homeowner with Utica's Scheduled Personal Property Floater Coverage
Homeowner with
Utica's Personal Property Blanket Coverage
Q. I have two Hummel figurines that were sold as a set. One of them was bumped off the end table and it broke. Is there coverage for the pair? A. No, a typical homeowner policy does not provide coverage for accidental breakage.

A. Yes, coverage is provided if you specify that you want breakage coverage when you purchase this endorsement. Keep in mind that this endorsement provides a limited amount of coverage per item as specified in the policy. In this case, for full reimbursement of the set, up to the policy limit, you need to surrender the other figurine to the insurance company. Otherwise, it is considered a partial loss and settled accordingly.

A. Yes, coverage is provided if you specify you want breakage coverage when you purchase this endorsement. In this case, for full reimbursement of the set, up to the policy limit or agreed value, you need to surrender the other figurine to the insurance company. Otherwise, it is considered a partial loss and settled accordingly.

 
Q. Our home was burglarized and my teacup collection was stolen. Does my homeowner policy provide protection to replace these items? A. Yes, however coverage is provided only to replace the items with regular teacups, with no additional value being placed on the items due to historical or sentimental value. A. Yes, coverage is provided up to the amount specified in the policy per item. A. Yes, coverage is provided up to the agreed amount specified in your policy.

Q. How do I know what my collectibles are worth? A. Have a professional provide an appraisal of your collection to determine the amount of insurance needed to protect your investment. The appraisal needs to include a description to allow for proper identification of the individual items.
Q. Are there any limitations to the types of collectibles I can insure? A. Yes, items that have a trading value such as sports trading cards or items that have a fluctuating value. Items that are on public display typically need to be insured with a company that specializes in these types of collectibles. Consult your local independent agent for further details.

College Student

Students living away from home in a dorm or apartment may have some coverage provided under their parent's homeowner policy for their personal belongings. However, coverage is limited and additional insurance protection may be needed. Refer to the chart below for detailed information and commonly asked questions regarding coverage provided under a parent's typical homeowner policy as compared to a college student purchasing their own renter policy.

Coverage Descriptions:
Parent's Homeowner Policy
College Student's Renter Policy
A typical homeowner policy provides limited coverage for personal belongings away from home. Many expensive items such as a personal computer or stereo equipment may not be adequately covered under a parent's policy and a separate policy is recommended. When a student purchases a renter policy, they should conduct an inventory to determine the amount of insurance protection they need for their personal belongings. Expensive items such as personal computers may require additional protection. See your local independent agent for further information.

Commonly Asked Questions:
Parent's Homeowner Policy
College Student's Renter Policy
Q. Is my college student's personal computer covered while away at school? A. Yes, a standard policy provides limited coverage for personal belongings away from home. However, power surges, virus coverage and expenses to recreate records are not included in a typical homeowner policy. A. Yes, this loss would be covered. However, coverage is limited and power surges, virus coverage and expenses to recreate records are not included in a typical renter policy. Additional protection may be purchased. See Utica's Solution for computer coverage.
Q. My son is away at college and has several valuable items including two guitars and an expensive stereo system. Would my homeowner policy provide protection for these items? A. Yes, however coverage is limited for items away from home. Contact your local independent agent for further details. A. Yes, coverage would be provided for these items based on the policy limit selected when the policy was purchased.
Q. One of my son's friends was injured in my son's apartment. Does my homeowner policy provide protection for the medical expenses associated with these injuries? A. Maybe, Medical Payments coverage from the parents policy would apply only if the bodily injury to the son's friend was caused by the activities of the son, or caused by an animal owned by or in the care of the son. A. Yes, Medical Payments and Personal Liability coverage's are included in a Renters policy. Should a lawsuit arise, expenses associated with defending your child in court are also covered.
Q. My son rents an apartment with three other college students. Can they share a renter's policy? A. No, they must each purchase a separate policy. The parents standard homeowner policy provides limited coverage for the son's personal belongings away from home. A. No, they must each purchase a separate policy.

Earthquake

When an earthquake strikes, after the last aftershocks, you may find yourself wondering if your insurance will cover the damage to your property. Many homeowners don't realize that a basic policy provides no coverage for earthquake damage. Review the chart below to see how Utica's earthquake solution can help.

Coverage Descriptions:
Homeowner Policy
Homeowner Policy with Utica's Earthquake Endorsement
A typical homeowner policy does not provide coverage for damage caused by an earthquake. However, if a claim to your property occurs as a result of the earthquake, and the ensuing damage(s) is caused by fire, explosion or breakage of covered glass, there is coverage for the resulting claim. This endorsement broadens your coverage so in the event of an earthquake your property would have insurance protection. This endorsement may also have a larger deductible than your basic homeowner policy. There are certain limitations with this coverage. Contact your local independent agent for more information.

Commonly Asked Questions:
Homeowner Policy
Homeowner Policy with Utica's Earthquake Endorsement
Q. My home is situated close to an earthquake fault line, but there's never been an earthquake. Should I purchase earthquake insurance? A. That is entirely your decision; but should the worst happen, the nominal fee is money well spent for the added protection. A. Same as Homeowner Policy.
Q. During a recent earthquake, several of my dishes and an antique vase were broken. Does a typical homeowner policy cover the cost to replace these items? A. No, a typical homeowner policy does not provide coverage for earthquake damage. A. Yes, this endorsement includes protection for your contents as well as your home. However, additional protection is needed for any of your antiques.
Q. An earthquake caused my basement wall to crack. Does a homeowner policy provide protection to repair this damage? A. No, a typical homeowner policy does not provide coverage for earthquake damage. A. Yes, this endorsement includes coverage for your property that is damaged as a result of an earthquake.
Q. What's not covered that I need to be concerned about? A. A typical homeowner policy does not provide coverage for claims caused by earthquake. A. Claims caused by flood or tidal wave, and damage to exterior masonry veneer is not provided under this endorsement. Other conditions and limitations may apply. Contact your local independent agent for complete details.

Flood

You don't have to live by a lake or river to experience the hardship of flooding. Many people are probably familiar with a soggy basement after a heavy rain. Do you have protection if this happens? See the chart below for answers to some commonly asked flood questions.

Coverage Description:
Homeowner Policy
A typical homeowner policy does not provide protection against flood. Since flood is normally a catastrophic occurrence (it usually affects a large number of people and involves a large amount of property damage), the government provides insurance against floods. If you live in a flood zone, as defined by the Federal Emergency Management Association (FEMA), you may be eligible for a flood policy.

Commonly Asked Questions:
Homeowner Policy
Q. A creek in our backyard overflowed and ran into my basement causing damage to the carpeting and furniture. Does my homeowner policy provide protection for the damaged items as well as cleanup? A. No, a standard homeowner policy does not provide protection for flood damage. If you live in a flood zone, as defined by the Federal Emergency Management Association (FEMA), you may be eligible to purchase a flood policy.
Q. A water main broke on our street and water flooded our basement. Does a homeowner policy provide protection to repair or replace any damaged items? A. No, a standard homeowner policy specifically excludes flood and surface water. Coverage applies to accidental overflow of water from within a plumbing, heating, air conditioning or automatic fire protection sprinkler system or from within a household appliance located within the residence.
Q. How do I know if I live in a flood zone? A. Refer to the Federal Emergency Management Association for details on local flood zones.
Q. After a recent heavy rainfall, my neighbor's basement flooded causing extensive damage to their personal belongings. Would a homeowner policy provide protection if this happened to me? A. No, a standard homeowner policy does not provide protection for flood damage.

Home Business

Whether you are just starting your home business or are already running a successful enterprise, you should take a close look at how much coverage your homeowner policy provides for your business. Chances are it's less than you think. Review the chart below to see how Utica's HomeBIZ endorsement can provide the insurance protection you need.

Coverage Descriptions:
Homeowner Policy
Homeowner Policy with Utica's HomeBIZ Endorsement
The standard homeowner policy provides $2,500 for personal property on the residence premises used at any time or in any manner for "business" purposes. This endorsement broadens your homeowner policy to provide protection for your business Valuable Papers, Accounts Receivable, Actual Loss of Business Income and Extra Expense, and Business Personal Property. In addition, your Personal Liability and Medical Payments coverages will extend to your business, and are broadened to include Advertising Injury, and Personal Injury arising out of your business.

Commonly Asked Questions:
Homeowner Policy
Homeowner Policy with Utica's HomeBIZ Endorsement
Q. I sell Avon® from my home. Does a homeowner policy provide adequate protection for my inventory if it is damaged or destroyed? A. Generally no, a standard homeowner policy has a specific limit for the amount of property used for business, this may not be sufficient to cover your total inventory. A. Yes, this loss would be covered as business personal property up to the limit you selected.
Q. I took a tax preparation course and will now be preparing income tax for the general public from my home. Will I have liability insurance protection? A. Generally no, a standard homeowner policy excludes liability and medical payments coverage arising out of or in connection with your business. The standard homeowner policy has a specific limit for property coverage for property used in your business. A. Yes, with Utica's HomeBIZ endorsement you would have liability for injuries that occurred on your property in the course of conducting your business.
Q. What if I prepare tax returns just for my friends and family? Would I need additional coverage? A. You may still need additional protection as a home business is generally not covered on a typical homeowner policy. A. With Utica's HomeBIZ endorsement you would have additional coverage needed for your home business.

Home Under Construction

When building a new home additional insurance protection is recommended. Coverage for theft of building materials may be added to your policy with Utica's Solution.

Coverage Descriptions:
Homeowner Policy
Homeowner Policy with Utica's Theft of Building Materials Endorsement
This policy provides basic homeowner coverages, however, theft of building materials is not included. When purchasing your homeowner policy, you should insure the building for its completed value. Some conditions and limitations apply and vary by state. See your local independent agent for complete details. This endorsement broadens your basic homeowner coverage to include theft of building materials and supplies being used in the construction of your home.

Commonly Asked Questions:
Homeowner Policy
Homeowner Policy with Utica's Theft of Building Materials Endorsement
Q. On a weekend, while my home was being built, the roofing materials were stolen. Does a homeowner policy provide coverage for this type of a claim? If so, will my deductible apply? A. No, a standard homeowner policy does not provide coverage for theft of building materials. A. Yes, coverage is provided for building materials and supplies used in the construction of your home up to the limit stated in the policy. Yes, the loss is subject to the deductible.
Q. While putting the roof on my new home, one of the contractor's employees fell from the roof and sustained serious injuries. Does my homeowner policy provide coverage for his medical expenses? A. No, a standard homeowner policy does not provide coverage for injuries to independent contractors or their employees. You should require a certificate of insurance for any major construction at your home. This certificate should include both general liability and workers compensation insurance. A. No, the employee's medical expenses would be paid by the contractor's workers compensation policy. Again, you should require a certificate of insurance for any major construction at your home. This certificate should include both general liability and workers compensation insurance.
Q. If the injured worker sues me, does my policy provide protection for legal fees associated with my defense? A. Yes, a homeowner policy provides personal liability protection, which includes the costs associated with defending you in court. A. Yes, a homeowner policy provides personal liability protection, which includes the costs associated with defending you in court. 

Jewelry

How do you know if your homeowner policy provides enough protection for your jewelry? Let our Personal Insurance Center jewelry chart lead the way to a clearer understanding of your basic homeowner coverages, Utica's Solution to providing better protection for your valuable jewelry, and answers to some commonly asked questions.

Coverage Descriptions:
Homeowner Policy
Homeowner with Utica's Personal Property Floater
Homeowner with
Utica's Valuable Articles Scheduled Floater
A typical homeowner policy provides limited coverage for loss of jewelry by theft. Protection is limited to specific causes of loss.

This endorsement broadens your basic homeowner coverage. In the event of a loss, a limited amount per item would be paid as specified in the policy.

This endorsement also broadens your basic homeowner coverage. In the event of a loss, the amount as agreed in the policy for each item would be paid. Typically, each item must be appraised prior to insuring under this coverage.

Commonly Asked
Questions:
Homeowner Policy
Homeowner with Utica's Personal Property Floater
Homeowner with
Utica's Valuable Articles Scheduled Floater
Q. I lost one of my diamond earrings. Will my policy pay for this loss? A. No, a standard homeowner policy does not provide coverage for mysterious disappearance. A. Yes, this loss would be covered. However, a limit of $2,500 per item applies. You may need to surrender the other earring to Utica National in order to be fully reimbursed up to the policy limit. A. Yes, this loss would be covered up to the agreed value as stated in your policy. However, the other earring may need to be surrendered to Utica National in order to be fully reimbursed. If you elect to keep the other earring, the claim would be settled for one-half of the agreed value.
Q. I was on vacation in Europe and lost my engagement ring. Since I was out of the United States, will my homeowners policy cover this loss? A. No, a standard homeowner policy does not provide coverage for mysterious disappearance. Location of the loss is not a problem as coverage is worldwide. A. Yes, mysterious disappearance is covered and coverage is provided worldwide. A. Yes, mysterious disappearance is covered and coverage is provided worldwide.
Q. Our home was burglarized and my husband's Rolex® watch was stolen. Will my homeowner policy cover this loss? A. Yes, there is coverage for theft under a standard homeowner policy. However, coverage is limited as specified in your policy. Usually there is a limit of $1,000.00. This limit can be increased by endorsement. A. Yes, coverage is provided for theft as well as many other causes of loss such as mysterious disappearance. The watch must be scheduled and coverage is limited to the value as scheduled. A. Yes, coverage is provided for theft as well as many other causes of loss such as mysterious disappearance. The watch must be scheduled and coverage is limited to the value as scheduled. 
Q. What's typically not covered that I need to be concerned about? A. A standard homeowner policy provides limited coverage for theft. Mysterious disappearance of an item or loss of a precious stone is not covered under the policy. A. This coverage broadens your standard homeowner policy. However, coverage is limited per item as specified in the policy. A. This coverage broadens your standard homeowner policy to include mysterious disappearance. The amount of coverage is specified in the policy according to appraisals obtained on each item.
Q. Why do I need an appraisal on my jewelry? A. Not applicable. A. An appraisal can assist you in determining the needed value for the purchase of the insurance and will provide an accurate description of the item to aid in the settlement. A. The agreed value is determined from the appraisal and this is the amount you will be paid in the event of a loss to the specified item.

Q. What constitutes an approved appraisal? A. It is not so much the actual value, but more the description. Usually the four "C's" must be in the description which include: color, cut, clarity and carat weight. Items of significant value may require the use of a "Certified Gemologist."

Landscaping

When purchasing homeowner insurance, many consumers don't consider their landscaping and trees as items that need protection. However, with the ever-increasing costs associated with maintaining trees, shrubs, and landscaping, you could experience a significant financial loss if these items are damaged or destroyed. Use the chart below to review the coverage available under a basic homeowner policy, and advanced coverage options offered by Utica National.

Coverage Descriptions:
Homeowner Policy
Homeowner with Utica's Extension Pac Endorsement
Homeowner with
Utica's Premier Extension Pac Endorsement
A typical homeowner policy provides coverage for your trees, shrubs, plants or lawn up to $500, but only if the claim is a result of fire or lightning, explosion, riot or civil commotion, aircraft or vehicles not owned or operated by a resident of your home. The policy also provides coverage for the removal of a fallen tree if it landed on a covered structure such as your home or garage.

This endorsement broadens your homeowner policy to include wind damage and removal of a fallen tree even if it did not land on a covered structure. The limit of $500 for any tree, shrub or plant still applies.

This endorsement expands the homeowner policy to include wind coverage and up to $1,000 for any one tree, plant or shrub. Our solution also provides coverage for removal of a fallen tree even if it did not land on a covered structure.

Commonly Asked
Questions:
Homeowner Policy
Homeowner with Utica's Extension Pac Endorsement
Homeowner with
Utica's Premier Extension Pac Endorsement
Q. A strong wind caused several tree branches to fall on my house, damaging the gutter and roof. Does my homeowner policy provide protection to repair the damage to my home as well as the cost to remove the debris from the roof? A. Yes, a standard homeowner policy provides coverage to repair the gutter and roof. However, the amount paid will vary depending on the type of homeowner policy you have. The policy also provides protection to remove the branches off the roof. A. Yes, this claim would be covered. However, the amount paid to repair the gutter and roof varies depending on the limits of coverage on your homeowner policy as well as the type of policy you purchased. A. Yes, this claim would be covered. However, the amount paid to repair the gutter and roof varies depending on the limits of coverage on your homeowner policy as well as the type of policy you purchased.
Q. Lightning hit my neighbor's tree causing it to fall on my privacy fence. Does my neighbor's homeowner policy pay for the damages to my fence? A. No, your homeowner policy would provide the protection needed for your fence and debris removal. In order for your neighbor to be held responsible, he must be proven negligent in some way. As the weather is beyond his control, his policy would not provide protection for your fence. A. No, your homeowner policy would provide the protection needed for your fence and debris removal. A. No, your homeowner policy would provide the protection needed for your fence and debris removal. Keep in mind that with this endorsement your debris removal coverage is broadened to $1,000 for any one tree, shrub or plant.
Q. A large tree in my yard fell on my car during a wind storm. Does my homeowner policy provide coverage for the damage to my car? A. No, your automobile insurance policy would provide coverage for the vehicle, but only if you carry comprehensive coverage on your policy. Refer to our auto section or your local independent agent for further details. A.  No, your automobile insurance policy would provide coverage for the vehicle, but only if you carry comprehensive coverage on your policy. Refer to our auto section or your local independent agent for further details. A. No, your automobile insurance policy would provide coverage for the vehicle, but only if you carry comprehensive coverage on your policy. Refer to our auto section or your local independent agent for further details.
Q. Lightning knocked down a tall pine tree in my yard. While it did not fall on or damage any of the buildings on my property, I now have to pay to have it removed. Does my homeowner policy provide coverage for this claim? A. No, your homeowner policy will provide debris removal only if the tree hit a covered structure on your property. A. Yes, this coverage broadens the homeowner policy to include up to $500 debris removal coverage even if the item does not hit a covered structure on your property. A. Yes, this coverage broadens the homeowner policy to include up to $1,000 debris removal coverage even if the item does not hit a covered structure on your property.
Q. During a recent windstorm, seven of my shrubs were uprooted and severely damaged. Will my homeowner policy pay to replace these shrubs? A. No, a typical homeowner policy does not provide coverage for your landscaping or trees due to wind damage. A. Yes, this endorsement broadens the homeowner policy to include coverage up to $500 for any one tree, shrub or plant for damage caused by wind. A. Yes, this endorsement broadens the homeowner policy to include coverage up to $1,000 for any one tree, shrub or plant for damage caused by wind.

Computer

E-mail...school work...taxes...entertainment—your computer does it all. Many people believe their homeowners policy provides adequate protection for their computer, not to mention software and equipment, but this coverage is actually quite limited. Do you need more coverage? Review the chart below to compare a basic homeowners policy to Utica's Computer Solution Endorsement.

Coverage Descriptions:
Homeowner Policy
Homeowner with Utica's Special Computer Coverage Endorsement
A typical homeowner policy provides limited coverage on an actual cash value basis (cost of new minus depreciation). This addition to your homeowner policy covers your computer equipment (hardware, software and media) used for personal and/or business purposes, including the cost of power surges, viruses and recreating data or records.

Commonly Asked Questions:
Homeowner Policy
Homeowner with Utica's Special Computer Coverage Endorsement
Q. Is there coverage if I want my old computer replaced with a new computer if it's damaged? A. A standard home policy provides only actual cash value (cost of new minus depreciation). An outdated computer may have no value - and therefore no coverage. A. Yes, coverage extends to provide replacement with the same make, type, quality and capacity. It also extends the policy to provide coverage for claims that might otherwise not be covered, such as power surges, viruses and expenses associated with reproducing data.
Q. What's not covered that I need to be concerned about? A. Power surges, computer viruses, software and the cost to reproduce lost data are excluded from a typical homeowner policy. A. You should be concerned with losses greater than $5,000. Additionally, coverage to business equipment is limited. Higher limits may be purchased.
Q. Is my laptop covered in my car? A. Yes, coverage is provided subject to your policy conditions and to the actual cash value of your laptop. A. Yes, coverage is provided on a replacement cost basis up to the limit selected.
Q. What if I bring my company laptop home and it is damaged? A. The standard homeowner policy provides up to $2,500 for business property while at your residence or $250 away from your residence, subject to both your policy conditions and deductible. In the event this type of claim occurs, it is likely that your company's insurance policy will be the primary provider for coverage. A. You may choose to include coverage for your company's laptop at an additional charge. Normally the company provides primary insurance. You should verify this with your employer.

Pets

Did you know that your pet could affect your insurance? The chart below reviews some commonly asked questions about pets and the liability they may present.

Coverage Description:
Homeowner Policy
A typical homeowner policy includes personal liability coverage, which includes protection if your pet injures someone or damages their property.

Commonly Asked Questions:
Homeowner Policy
Q. Why do I need to notify my insurance company if I have a pet? A. Certain pets or exotic animals may be more prone to aggressive behavior or biting, which could lead to injury of others. This can affect your policy's personal liability coverage.
Q. I purchased a pitbull puppy and my insurance company notified me that they will no longer insure my home. Why does my pet affect my homeowner policy? A. Some breeds of dog show aggressive tendencies and many insurance companies will not provide homeowner insurance for insured's who own those types of pets. It's always a good idea to notify your local independent agent prior to getting a pet to ensure you will not have any coverage problems.
Q. We just purchased a horse for our daughter. Does a homeowner policy provide protection if the horse injures someone? A. Yes, personal liability is included with a standard homeowner policy. However, your insurance company may have limitations or not provide insurance to consumers who own horses. Check with your local independent agent to ensure you have adequate protection.
Q.  My dog bit our neighbor on the leg. Will a homeowner policy pay his medical expenses and protect me from a lawsuit? A. Yes, a typical homeowner policy provides personal liability coverage. This would cover your neighbor's injuries up to the limit stated on your policy. If you own a pet, contact your local independent agent to ensure you have enough personal liability coverage.

Refrigerated Goods

When you think about insurance, what you have in the refrigerator probably doesn't come to mind; but, in the event of a prolonged power outage, how many dollars worth of food might spoil in your refrigerator and freezer? Review the chart below to see how one of Utica National's homeowner endorsements could help protect this perishable investment.

Coverage Descriptions:
Homeowner Policy
Homeowner with Utica's Extension Pac Endorsement
Homeowner with
Utica's Premier Extension Pac Endorsement
A typical homeowner policy does not protect your refrigerated goods against power outage or mechanical breakdown.

This endorsement provides protection for your refrigerated goods if they are damaged due to power outage or mechanical breakdown. There is a limit of $500 with this protection.

This endorsement provides protection for your refrigerated goods if they are damaged due to power outage or mechanical breakdown. There is a limit of $500 with this protection.

Commonly Asked
Questions:
Homeowner Policy
Homeowner with Utica's Extension Pac Endorsement
Homeowner with
Utica's Premier Extension Pac Endorsementt
Q. A large windstorm knocked out power in our area for several days. As a result, all of the items in my refrigerator and freezer are no longer useable. Does a homeowner policy provide coverage to replace these items? A. No, a standard home policy does not provide coverage for your perishables due to a power outage.

A. Yes, with this endorsement you have up to $500 coverage for your perishables.

Note: You should make a complete inventory of the items in your refrigerator and freezer as well as list the prices paid for these items. This list will assist you in the claim process.

A. Yes, with this endorsement you have up to $500 coverage for your perishables.

Note: You should make a complete inventory of the items in your refrigerator and freezer as well as list the prices paid for these items. This list will assist you in the claim process.
Q. Our freezer malfunctioned while we were away on vacation and all of the food spoiled. Is there protection for this type of a claim? A. No, a typical homeowner policy does not provide coverage. A. Yes, coverage is provided for mechanical breakdown. A. Yes, coverage is provided for mechanical breakdown.

Swimming Pools

Fly over any town or city and you're sure to see it dotted with tiny blue jewels. Those jewels are actually backyard swimming pools! Swimming pools present their own unique risks and hazards that can affect your insurance. Review the chart below for answers to some commonly asked questions.

Coverage Description:
Homeowner Policy
A typical homeowner policy provides liability coverage and limited property damage for your swimming pool.

Commonly Asked Questions:
Homeowner Policy
Q. If one of the neighbor's children gets hurt in the swimming pool, does a basic homeowner policy provide coverage for their medical expenses? A. Yes, up to the medical payments limit.
Q. My agent suggested I raise my liability limits on my homeowner policy because I have a swimming pool. Why would I need to do this? A. In the event of a serious accident involving your swimming pool, you'll want to have enough liability coverage to protect your home and your assets against a potential lawsuit. Therefore, the higher your liability limits, the better your protection.
Q. Will a basic homeowner policy provide protection if my swimming pool gets damaged as a result of the weight of ice and snow in the winter? A.  No, damage as a result of the weight of ice and snow is specifically excluded.
Q. Is there a difference in coverage provided on a basic homeowner policy for an above ground pool and an in-ground pool? A. No, both in-ground and above ground pools are considered "other structures" under coverage B of your homeowner policy.
Q.  Why does the insurance company want to know if I have a diving board or slide? A. Diving boards and slides increase the liability exposure created by your pool.

Valuable Articles

How do you know if your homeowners policy provides enough protection for your valuable articles? Let our Personal Insurance Center valuable articles chart lead the way to a clearer understanding of your basic homeowner coverages, Utica's Solution to providing better protection for your valuables and we'll answer some commonly asked questions.

Coverage Descriptions:
Homeowner Policy
Homeowner with Utica's Valuable Articles Blanket Coverage Endorsement
Homeowner with
Utica's Valuable Articles Scheduled Jewelry Agreed Value Endorsement
A typical homeowner policy provides some coverage for valuable articles; however, the causes of loss and amount of coverage may be limited. There are two different endorsements that can be added to you homeowner policy. One will cover all valuable articles, including jewelry and the other covers only jewelry.

This option provides a "blanket" limit, which is an amount you choose to cover all items of a particular category of valuable articles, such as musical instruments, cameras, furs, sporting goods, stamp/coin collections, fine arts and jewelry. Each individual item in the category is covered up to $2,500.

This endorsement broadens your basic homeowner coverage for jewelry. In the event of a loss, the amount as agreed in the policy for each jewelry item would be paid. Typically each item must be appraised to determine value prior to insuring under this coverage.

Commonly Asked
Questions:
Homeowner Policy
Homeowner with Utica's Valuable Articles Blanket Coverage Endorsement
Homeowner with
Utica's Valuable Articles Scheduled Jewelry Agreed Value Endorsement
Q. I lost my diamond necklace. Will a basic homeowner policy pay for this loss? A. No, a standard homeowner policy provides limited coverage for jewelry. Mysterious disappearance is not a covered cause of loss.

A. Yes, this loss would be covered. The Valuable Articles endorsement provides coverage against risks of direct physical loss, this includes mysterious disappearance. A limit of $2,500 per item applies.

A. Yes, this loss would be covered. The Valuable Articles Agreed Value endorsement provides coverage for the full value of the item as agreed and listed on the endorsement.

Q. I was on vacation in Europe and lost my Nikon® 35mm SLR camera. Since I was out of the United States, will a homeowner policy cover this loss? A. No, a standard homeowner policy does not cover mysterious disappearance. A. Yes, coverage is provided worldwide. A limit of $2,500 per item applies. A. No, coverage pertains to jewelry items only.
Q. Our home was burglarized and my husband's Rolex® watch was stolen. Will a homeowner policy cover this loss? A. Yes, a standard homeowner policy provides coverage for theft of personal property; however, theft loss to jewelry including watches is limited and may be subject to the policy deductible. A. Yes, the Valuable Articles endorsement provides coverage against risks of direct physical loss, this includes theft and mysterious disappearance up to a limit of $2,500 per item. Unlike the homeowner policy, the Valuable Articles Endorsement does not have a deductible. A. Yes, the Valuable Articles Agreed Value endorsement provides coverage for the full value of the watch as agreed and listed on the endorsement. Unlike the homeowner policy, the Valuable Articles Endorsement does not have a deductible.
Q. Why do I need an appraisal on my valuable articles? A. N/A A. An appraisal can assist you in proving your loss. The insurance company will know the value of your item for loss settlement. Remember, coverage is limited per item. If an item is appraised higher than this limit, an Agreed Value endorsement is recommended. A. An appraisal will help you determine the amount of coverage needed on an item as well as provide documentation of the item in the event a loss should occur.