Regardless of the coverage level you choose - Special, Deluxe or Elite - you may want to add certain coverage options. We have several options available:

• Excess liability protection - "Umbrella" coverage at limits of up to $5 million in some states.  
• Scheduled personal property - Basic, blanket, coverage basis and stated value options are available.  
• Extended perils on contents - If you have Special or Deluxe coverage, you may opt to expand your coverage to cover losses due to any cause (except where specifically excluded).  
• Water backup of sewers and drains - Special or Deluxe policyholders living in low-lying areas may want to add this protection.  
• Incidental business coverage - Available for both liability and property coverage needs. 

You can save money on your insurance premium by increasing your deductible - or by taking advantage of one or more of the following discounts:

• Protective devices - Having fire/burglar alarms, fire extinguishers and other equipment can earn you credits of up to 18% of premium.  
• Newer home discounts - In some states, discounts of 15 to 20% may be available, even for homes 25 years old.  
• Package discounts - Whenever you elect multiple Encompass lines policies, you're eligible for a discount. Most range within 2% and 10% of the package cost.