Progressive Insurance now offers one of the most competitive homeowners insurance products in the industry.
Don’t settle for the “Industry Standard” quote you’ll get from most companies. The “Platinum Endorsement” provides more coverage than many of the leading competitors…at a price that just may surprise you.
Here’s the catch…it’s only available through select Progressive “Platinum” agencies – like us!
For more details, check out the coverage comparison below, or call us for more information at 440-266-8888
ENJOY THE “PLATINUM ENDORSEMENT” DIFFERENCE
| Coverage Comparison | HOH Base Policy | HomeShield | HomeShield+ | Platinum Endorsement |
|---|---|---|---|---|
| Property Coverages | ||||
| Coverage C Limit of Liability (% of Cov A) | Variable | 50% | 70% | 70% |
| Coverage A and B – Vandalism and Malicious Mischief Exclusion | No coverage if vacant or unoccupied for more than 30 days | No coverage if vacant or unoccupied for more than 30 days | No coverage if vacant or unoccupied for more than 30 days | No coverage if vacant or unoccupied for more than 60 days |
| Coverage Comparison | HOH Base Policy | HomeShield | HomeShield+ | Platinum Endorsement |
| Additional Coverages via Endorsement | ||||
| Increased Replacement Cost on Dwelling | Not Included | 25% of Cov A | 50% of Cov A | 50% of Cov A |
| Loss Assessment | $1,000 | $2,500 | $5,000 | $5,000 |
| Ordinance or Law | Coastal: 0 Non-Coastal: 10% Cov A | Coastal: 0 Non-Coastal: 10% Cov A | 25% Cov A | 25% Cov A |
| Personal Injury | Not Included | Included | Included | Included |
| Personal Property Replacement Cost | Not Included | Included | Included | Included |
| Special Personal Property | Not Included | Not Included | Included | Included |
| Water Backup | Not Included | $5,000 | $10,000 | $10,000 |
| ID Theft Recovery Assistance | Not Included | Not Included | Included | Included |
| Coverage Comparison | HOH Base Policy | HomeShield | HomeShield+ | Platinum Endorsement |
| Additional Coverages | ||||
| Deductible | Standard Deductible | Standard Deductible | Standard Deductible | Waives first $500 of deductible for a loss >$50,000 |
| Debris Removal | Limited Perils; Per tree sublimit w/$1,000 total limit | Limited Perils; Per tree sublimit w/$1,000 total limit | Limited Perils; Per tree sublimit w/$1,000 total limit | Open Perils; Deletes per tree sublimit ($1,000 total limit) |
| Trees, Shrubs and Other Plants | Outdoor plants only; $500 per plant w/ 5% Cov A aggregate | Outdoor plants only; $500 per plant w/ 5% Cov A aggregate | Outdoor plants only; $500 per plant w/ 5% Cov A aggregate | Outdoor/Indoor plants; $1,000 per plant with 5% Cov A aggregate |
| Fire Department Service Charge | $500 | $750 | $1,000 | $1,000 |
| Property Removed | Coverage up to 30 days | Coverage up to 30 days | Coverage up to 30 days | Coverage up to 60 days |
| Collapse | Provides for Cov A & B | Provides for Cov A & B | Provides for Cov A & B | Provides for Cov A, B, & C |
| Credit Card, Fund Transfer & Forgery | $1,000 | $2,000 | $3,000 | $5,000 |
| Breakage of Glass | No coverage if vacant 30 days | No coverage if vacant 30 days | No coverage if vacant 30 days | >No coverage if vacant 60 days |
| Grave Markers | Not Included | Not Included | Not Included | $5,000 |
| Lock Replacement | Not Included | $250 | $500 | $500 |
| Reward Reimbursement | Not Included | Not Included | Not Included | $1,000 |
| Data Replacement | Not Included | Not Included | Not Included | $5,000 |
| Arson Reward | Not Included | Not Included | Not Included | $1,000 |
| Household Products | Not Included | Not Included | Not Included | 5% of Cov A |
| Kidnap/Ransom Expense | Not Included | Not Included | Not Included | $50,000/$5,000 |
| Animal Liability | Not Included | Not Included | Not Included | Included (Prohibited breeds/ animals still excluded) |
| Coverage Comparison | HOH Base Policy | HomeShield | HomeShield+ | Platinum Endorsement |
| Special Limits | ||||
| Cosmetic and aesthetic damage to floors | $10,000 | $10,000 | $10,000 | $20,000 |
| Money, coins, bank notes, etc. | $250 | $250 | $500 | $1,000 |
| Securities, accounts, deeds, etc. | $1,000 | $1,000 | $2,500 | $5,000 |
| Watercraft of all types | $1,000 | $1,000 | $2,500 | $3,000 |
| Trailers or semitrailers of all types | $1,000 | $1,000 | $2,500 | $3,000 |
| Theft of jewelry and furs | $1,000 | $3,000 | $5,000 | $5,000 |
| Electronic apparatus and accessories, while in or upon a “motor vehicle” | $1,000 | $1,000 | $1,000 | Deletes limit |
| Electronic apparatus and accessories used primarily for “business” while away from the “residence premises” | $1,000 | $1,000 | $1,000 | Deletes limit |
| Art | $1,000 | $1,000 | $1,000 | 5% of Cov A |
| Collections | $1,000 | $1,000 | $2,500 | 2% of Cov A |
| Bicycles and attached related equipment | $1,500 | $1,500 | $5,000 | Deletes limit |
| Electronics | $2,000 per item w/ 10% of Cov C aggregate | $2,000 per item w/ 10% of Cov C aggregate | Deletes limit | Deletes limit |
| Theft of firearms and related equipment | $2,500 | $2,500 | $4,000 | $6,000 |
| Theft of silverware & pewterware | $2,500 | $2,500 | $4,000 | $6,000 |
| Business property on premises | $2,500 | $2,500 | $4,000 | $5,000 |
| Business property away from premises | $250 | $250 | $750 | $1,000 |
| Theft of personal computers | $2,500 | $2,500 | $2,500 | Deletes limit |
| Theft of tools | $5,000 | $5,000 | $5,000 | 5% of Cov A |
| Any one unscheduled personal property item | Limits to 10% of Cov C | Limits to 10% of Cov C | Deletes limit | Deletes limit |
| Increased combined limit for securities, jewelry, and silverware kept in a bank | Not Included | Not Included | Not Included | $50,000 if in a vault |