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Progressive Insurance now offers one of the most competitive homeowners insurance products in the industry -
 Only available through select Progressive "Platinum" agencies -Like us!

 

INTRODUCING THE PLATINUM ENDORSEMENT

Homeowners can now enjoy the peace of mind one of the best endorsements in the industry can provide. The Platinum Endorsement provides many of the critical coverage "extras" customers are most concerned with at the time of a claim.

 

For more details, check out the coverage comparison below...

 

OR call us for more information: 440-266-8888

 

 

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

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

     
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