Even our basic policy is superior to standard homeowners insurance policies. We allow you to aggregate your property limits so that you can use the combined property limit to cover the amount of loss to your home, contents or other structures of your residence.

Other Special Level coverages include:

		Broadened replacement cost on dwellings - Your enhanced policy means that the difference between policy limits and the actual cost of replacing your home is covered (in many cases).
		Additional living expenses - There are no pre-set limits on reasonable living expenses for up to one year if your home becomes uninhabitable due to a covered loss.
		Electronic devices used with an auto - Your policy covers transportable cellular (car) phones, CD players and other portable electronics with no internal limits.
		Personal/contractual liability ("umbrella coverage") - These elements of your policy protect you against charges of libel, slander and defamation of character as well as against liability for non-business contracts into which you enter.
		Workers' compensation - Your USP homeowners insurance provides payments that your state requires for help you bring into your home, either for its maintenance or for the care of your family.
		Vandalism/malicious mischief - Standard policies exclude this coverage; you can get it (excluding the first $5,000 of the loss) through your USP. When you move to a new home, your unsold property remains covered.