You may be able to add the following options to your policy:
Identity theft coverage, which pays up to $25,000 toward expenses related to regaining your identity.
Personal cyber coverage, which pays to restore lost data, respond to extortion demands or recover from online fraud.
Extended replacement cost coverage, which pays up to 25% extra to rebuild your home after a disaster in case it costs more than expected.
Water damage coverage, which pays for damage from backed-up drains, a malfunctioning sump pump or water that seeps into your home from underground.
The company also has a bundle of extra coverage called Homeowners Plus. When you add this endorsement to your policy, you’ll get:
Replacement cost coverage for your personal belongings, which means you’ll get enough of a claim payout to buy brand-new replacements for damaged or destroyed items. Without this coverage, the insurer would reduce your payout to reflect your belongings’ loss of value in the time since you bought them.
Ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim.
Increased credit card coverage, in case someone steals your card or uses it without permission.
Extra coverage for valuable items such as jewelry or watches.
Coverage for refrigerated items lost in a power failure or appliance breakdown.
For policyholders with higher-value homes, Cincinnati Insurance offers more comprehensive policies with some of the above benefits included. These policies also come with higher limits and a wide range of optional add-ons.
For example, Cincinnati’s Executive Capstone policy for houses worth $1 million or more includes guaranteed replacement cost for your home in most states. With this coverage, the company will pay whatever it takes to rebuild your home after a covered disaster, even if it’s above your dwelling coverage limit.
Their website is cinfin.com and they’re really big - across the country. They stand to loose a lot in war or cyberattacks so good to clarify. This site provides additional info on what they do & don’t cover. https://www.nerdwallet.com/article/insurance/cincinnati-home-insurance-review.
You may be able to add the following options to your policy: Identity theft coverage, which pays up to $25,000 toward expenses related to regaining your identity. Personal cyber coverage, which pays to restore lost data, respond to extortion demands or recover from online fraud. Extended replacement cost coverage, which pays up to 25% extra to rebuild your home after a disaster in case it costs more than expected. Water damage coverage, which pays for damage from backed-up drains, a malfunctioning sump pump or water that seeps into your home from underground. The company also has a bundle of extra coverage called Homeowners Plus. When you add this endorsement to your policy, you’ll get: Replacement cost coverage for your personal belongings, which means you’ll get enough of a claim payout to buy brand-new replacements for damaged or destroyed items. Without this coverage, the insurer would reduce your payout to reflect your belongings’ loss of value in the time since you bought them. Ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim. Increased credit card coverage, in case someone steals your card or uses it without permission. Extra coverage for valuable items such as jewelry or watches. Coverage for refrigerated items lost in a power failure or appliance breakdown. For policyholders with higher-value homes, Cincinnati Insurance offers more comprehensive policies with some of the above benefits included. These policies also come with higher limits and a wide range of optional add-ons. For example, Cincinnati’s Executive Capstone policy for houses worth $1 million or more includes guaranteed replacement cost for your home in most states. With this coverage, the company will pay whatever it takes to rebuild your home after a covered disaster, even if it’s above your dwelling coverage limit.
Excellent comment, thank you so much for your deep research
Agreed.
Trouble is, with bidenflation the way it is, an awful lot of people aren't going to be able to afford all that extra coverage.