200% property location limit.
Some home policies set individual limits on your home, its content and other structures. These limits are percentages based on the value of your home and cannot be combined if one limit is insufficient to cover the loss. Our Elite policy extends your limits to 200% of your home's value to cover your house, outlying structures and its contents—giving you the freedom to allocate your limit as needed for any covered loss, whether the covered damage is repaired or replaced altogether.³
Enhanced replacement cost coverage.
If your home suffers a covered loss and the cost to rebuild is more than the original insured amount, you're protected.
Pays $10,000 of jewelry and fur coverage.
With no need for special riders or schedules, our Elite policy includes $10,000 of coverage for jewelry and fur—and even covers them whether stolen or lost.
Our highest water backup coverage.
Water backup damage can wipe out many things—family furniture, treasured books, even children's toys. No loss is too little to be overlooked, that's why our Elite policy covers you, up to your policy limits.
Additional living expenses coverage.
If your home is uninhabitable, we help you find a place to stay. We'll cover your reasonable increase in living expenses, such as hotel stays and restaurant bills, with no time or dollar limit, for as long as it takes to repair your home.
Walk-away coverage.
Should you choose not to rebuild your home and start fresh someplace else after a covered total loss, our Elite policy offers walk-away coverage, meaning we will pay our estimated value of your residence.
Covered losses for structure and contents.
Because it's nearly impossible to consider all the risk factors you could face, our Elite homeowners policy covers many types of losses for not only your home structure, but your personal property as well.
Increased building costs.
If you need to rebuild after a covered loss, you'll be protected from increased reconstruction costs due to building ordinance codes that have changed.
Mortgage rate protection.
If a covered total loss requires a new higher-rate mortgage, we will cover the increased expenses including closing costs, mortgage acquisition fees and more—up to a total of $20,000.
Pays $50,000 in Homeowners Association fees after a covered disaster.
If a disaster happens in your community, we will cover your share of the HOA's assessment for a covered loss to common property up to $50,000.
Enhanced medical expense coverage.
Medical costs can quickly add up into daunting figures. Our Elite policy automatically includes $10,000 in coverage for medical expenses due to accidents on or away from your insured location.
Our highest landscape and land restoration coverage.
If your lawn, trees or shrubs are damaged due to a covered loss, our Elite policy will cover the replacement of damaged elements. Plus, we also provide land restoration coverage to stabilize the land around your foundation after a covered loss.
Protection for your fine art.
Your fine art means a great deal to you and is a coveted part of your home. Should the glass protecting your fine art ever break, our Elite policy will cover its replacement, as well as cover any broken porcelain statuary or other fragile art pieces.
Burglary or theft recovery.
If your home is ever damaged by burglars or trespassers, we will help cover the reward for information or assistance.⁴
Lock replacement.
Not all carriers provide coverage for lost keys, most only cover stolen keys. With Encompass, if your keys are lost or stolen, we will pay up to the coverage limit to have your house locks replaced at no-deductible.
Identity fraud expense coverage.
We'll pay up to $20,000 for expenses resulting from identity fraud, including lost wages and attorney fees—plus, on-demand access to a fraud specialist who can help you resolve your identity theft.
Personal injury protection.
This is a critical component of homeowners coverage to protect you if you are sued for libel and slander.