Encompass Universal Security Policy Coverage Comparisons for Pennsylvania
The Universal Security Policy At Encompass Insurance, we re committed to making insurance easy to understand and easy to buy. With the Universal Security Policy (USP), we re also committed to giving you the flexibility of three levels of coverage: Special, Deluxe and Elite. So, you can choose a plan that matches your needs and budget. Plus, the USP lets you tailor the coverage to help meet your unique needs by offering additional coverage options at affordable prices. Some additional coverage options are: HomeWork Supplement Liability coverage and increased business property coverage for many aspects of your home-based business. Lifestyle Coverage Endorsement - Unique combination of liability and property coverage made for the lifestyle of today s policyholders, including coverage for Family Members in a Resident Health Care Facility, increased coverage for unscheduled jewelry, and additional coverage for sports and hobby equipment with a low $50 deductible. Identity Fraud Expense Coverage - Provides coverage up to $20,000 for expenses you incur as a result of someone who has used your identity for unlawful activities. In addition, provides referral to a firm to assist in restoring your identity (included in Elite Home). Personal Umbrella Coverage An option that increases your limit for covered injuries to others up to $5 million. Personal Property Plus Provides additional perils coverage on contents (included in Elite). Water Backup of Sewers and Drains ( included in Elite). The USP policy offers the convenience of combining your home and auto insurance into one package policy. In addition to the convenience of one policy, another benefit of the package policy is one deductible. With the USP, if a single covered incident damages multiple covered exposures, the insured pays only one deductible the highest deductible of the involved risks. Compare that to separate monoline policies which have a separate deductible for each policy! The USP provides really good insurance, but there are other reasons to buy the USP. You ll like our responsive claim service, our convenient Encompass Easy Pay Plan, our money-saving discounts and the confidence of working with your independent insurance agent. 2 of 6
Jewelry and Furs Theft HOME Internal Limits Comparison $10,000 Misplaced or Lost Jewelry (includes stones from their settings) (no per item limit) (no per item limit) (no per item limit) Silverware Theft $10,000 Misplaced or Lost Money and Coins $200 Business Property at Home On Premises (at home) Off Premises (away from home) $1,250 $10,000 Firearms Theft $2,000 Misplaced or Lost Valuable Papers and Stamps Boats, including their trailers $2,000 Trailers not used with watercraft $3,000 Electronic Equipment Used with an Auto Coverage for certain specific electronic equipment (e.g., transportable car phones, CD players, etc.) not permanently installed in the vehicle No internal limit No internal limit Loss Settlement and Liability Provisions No internal limit Real Property Payment for covered loss to insured dwelling may exceed the property location limit in certain situations Dwelling Replacement Cost provided when dwelling is not repaired or replaced For losses up to $3,000 For losses up to $3,000 For losses up to the available amount of coverage Replacement Cost Contents (RCC) Reasonable cost to repair or to replace covered personal property to its condition prior to a covered loss Property Location Limit Ability to use a combined property limit for a covered loss to your home, contents or other structures 180% of residence value if RCC on policy 200% of the residence value 200% of the residence value 3 of 6
HOME Mortgage Extra Expense Coverage for increased monthly mortgage costs due to a covered total loss Not available $20,000 $20,000 Additional Living Expense Coverage for necessary increases in living expenses incurred when your home is uninhabitable due to a covered loss Up to one year Up to one year No Time Limit Building Ordinance Increased Costs Coverage for increased costs due to building code changes regulating the construction, repair or demolition of your property due to damage from a covered loss 5% over aggregate property limit 5% over aggregate property limit 5% over aggregate property limit Personal Home Computers Coverage beyond the covered causes of loss named in standard policies for contents Provided up to $10,000 plus to recreate data with no sublimit plus to recreate data Land Restoration Coverage for excavation, replacement, stabilization or filling of land under or around the foundation of your home related to repair or rebuilding due to a covered loss 5% of covered property loss to residence 7% of covered property loss to residence 10% of covered property loss to residence Lock Replacement Will replace the locks in your home when your keys are lost or stolen (deductible does not apply) Fine Arts Glass Breakage Coverage for breakage of fine arts glass, porcelain statuary or similar fragile items for additional perils Loss Assessment Coverage for losses assessed against you by a corporation or association of property owners due to a covered cause of loss per loss per loss $50,000 per loss Trees and Shrubs Coverage for losses to trees and shrubs due to a covered cause of loss limit; per item limit; per item 10% of residence value; /item limit Volunteer Wrongful Acts Coverage for legal liability for wrongful acts committed by a covered person in his/her capacity as a volunteer $10,000 defense; $10,000 judgment $10,000 defense; $10,000 judgment Medical Expense Payment for certain medical expenses due to accidental events occurring on or off your insured location 4 of 6
DWELLING FIRE (available with Special, Deluxe and Elite) Liability and Property Coverages Basic Personal Liability Limit Basic Medical Expenses Limit Contents Coverage Loss Assessment Additional Living Expense Goodwill Payments Trees and Shrubs Fair Rental Value For loss of fair rental value if a covered loss makes your scheduled location uninhabitable Outdoor Antennas and Aerials Vandalism and Malicious Mischief to a Vacant Dwelling Internal Limits Comparison (Applicable only to owner occupied residences) $100,000 10% of Dwelling Value per loss No time limit $750 for Trees, Shrubs and Lawns per Tree or Shrub 20% of Dwelling Value; For Condos - 100% of contents limit Subject to deductible Jewelry and Furs - Theft Silverware - Theft Money and Coins Business Property at Home On Premises (at home) Off Premises (away from home) Firearms - Theft Valuable Papers and Stamps Boats, including their trailers Trailers, not used with watercraft $200 $1,250 $2,000 PROVISION Loss Settlement Provisions Real Property Payment for a covered loss to insured dwelling may exceed the property location limit in certain situations Dwelling Replacement Cost provided when not repaired or replaced Property Location Limit Ability to use a combined property limit for a loss to your home, contents or other structures 120% of the Dwelling Amount for losses up to $3,000 5 of 6
MOTOR VEHICLE COMPARISON Rental Reimbursement 3 available options* 3 available options* $40 day/$1,200 maximum per occurrence** Towing ($50 or $75) ($50 or $75) $75 Automobile Emergency Transportation Substitute transportation from place of covered loss to desired destination $20 Automobile Trip Interruption Coverage for reasonable and necessary food, lodging and substitute transportation when a covered auto is disabled due to a covered loss while more than 100 miles away from the garaged location $100 day/ maximum Enhanced Accident Forgiveness No merit rating points applied for accidents that occur while the driver is insured with Encompass Edge No merit rating points applied for first chargeable accident or violation after 5 years accident/violation free with Encompass Edge Safe Driving Bonus Bonus earned if no driver has a chargeable accident while insured with Encompass Edge for 12 months*** Extended Non-Owned Automobile Coverage for the operation of a nonowned automobile that is made available to or furnished for the regular use of a driver listed on the policy Air Bag Replacement Provides up to for the cost of reinstalling a factory installed air bag if it accidentally deploys when not caused by a comprehensive or collision loss Windshield Repair Comprehensive deductible will be waived if windshield is repaired rather than replaced * $20 day/$600 maximum; $30 day/$900 maximum; or $40 day/$1,200 maximum per occurrence ** higher limits may be purchased *** If Coverage for all vehicles is terminated prior to renewal effective date, no credit will be earned for that policy term Encompass Insurance is underwritten by Encompass Home and Auto Insurance Company, Home Office: Northbrook, Illinois. This chart is for illustrative purposes only and is not a contract. It is intended to provide a general overview of some of the coverages offered under the Universal Security Policy. Please remember that only the insurance policy can give actual terms, coverages, limits, conditions and exclusions. Coverages are subject to availability and qualifications. Other terms, conditions and exclusions may apply. 6 of 6