Additional Coverages And Endorsements Continued

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Additional Coverages

• Debris removal. Pays a limited amount to remove debris after a covered loss.
  
  
• Additional living expense (ALE). Additional living expenses (ALE) generally includes a percentage of housing or rental costs, utilities and meals for a specified time while your home is being repaired or rebuilt following a claim due to damage by a covered peril.
  
  
• Prohibited use. Reimburses you for meals and lodging if you have to leave your home by order of civil authorities due to direct damage to neighboring areas that was caused by a covered peril.
  
• Landscaping. Covers damage to trees, shrubs and landscaping caused by such perils as theft, fire, lightning, explosion, vandalism and fallen aircraft for a limited amount.
  
  
• Fire department service charge. Covers limited fire department service charges to come to your home in rural locations that are not inside city limits or fire protection districts.
  
  
• Loss assessments. If you are a member of a homeowners, condominium owners or co-op owners association, you may be asked to help cover losses to common property that are caused by a peril covered by your policy, but not covered by your association’s policy.
  
  
• Lock replacement. Pays a certain limit to replace, change or rekey door locks if your keys are stolen.
  
  
• Refrigerated products. Replaces refrigerated or perishable items that spoil because of a power failure or mechanical breakdown.
  
  
• Glass breakage. Pays for broken glass or damage caused by breaking glass, unless the home has been unoccupied for more than 30 days.
  
  
• Landlord’s furnishings. If you rent a room or apartment in your home, the policy may pay a limited amount to cover your furnishings or property in those areas for certain perils, but not theft.
  
  
• Building ordinance or law. Provides coverage to repair structural damage or rebuild your home under stricter building codes and ordinances.
  
  
• Reasonable repair. Reimburses you for temporary repairs you make to protect your home or contents from further damage after a covered loss. Keep all receipts for supplies and labor costs.
  
  
• Inflation guard clause. Some policies automatically increase coverage to help keep up with inflation. You should not place total reliance on automatic increases. Your home may increase in value more than average.
  
  
• Identity theft, credit card, forgery and counterfeit money. With identity theft on the rise, many insurance companies are recognizing the need for this type of coverage. Some companies include up to $5,000 of identity theft coverage in your homeowners policy at no additional cost, while others sell identity theft coverage separately.

  Generally, this insurance covers the incidental fees of attempting to correct information on your credit history, including the following.

  • Fees to reapply for loans that were rejected because of incorrect credit information about you.
  • Costs to notarize affidavits and other documents to prove your innocence.
  • Expenses associated with certifying and receiving receipts for mail sent to clear your credit.
  • Charges for long-distance phone calls regarding identity theft.
  • Lost wages on days you had to be away from work to clear fraudulent activity.

This insurance also pays a limited amount for theft or unauthorized use of credit cards, ATM cards, funds transfers, check forgery or good-faith acceptance of counterfeit money.

The USAA Educational Foundation’s publication Identity Theft offers more information.

Extra Replacement Cost Coverage

• Extended Replacement Cost Coverage. Instead of guaranteeing replacement, some insurers offer extended replacement cost coverage, which caps the extra coverage at a certain percentage of your homeowners policy. This type of policy usually pays between 20 percent and 80 percent more than your regular homeowners policy limit.