Platinum Choice® Home
Platinum home protection in one convenient package1
What is Platinum Choice® Home?
This affordable package of extended coverage provides top-of-the-line protection for your valuable home, over and above what a standard home insurance policy offers.2
Dwelling Replacement Coverage
When you need to repair or replace your home, costs can be more than you anticipated. Platinum Choice® provides you with up to 30% more coverage than a standard policy. 2
Personal Property Replacement Coverage
Platinum Choice® comes with full replacement or repair of property such as furniture and clothing, up to your selected coverage limit.
Water Backup/Sump Overflow
For water damage that’s the result of sewer or drain backup, or sump overflow, you’re automatically covered for up to $5,000.
Smart devices such as phones, laptops, tablets, even smart TVs, are more broadly covered against damage from power surges, water damage and heat warping.
Credit Card Coverage
If your credit cards are stolen and used fraudulently, you’re covered for up to $5,000.
Business Property Coverage
Offers more coverage for your business property, both in and away from your home. Extended coverage limits include business property at home $5,000/business property away from home $2,000.3
Valuable Items Extended Coverage
Platinum Choice® provides extended coverage limits for specific personal items such as jewelry and musical instruments when these items are lost or stolen.
Loss Assessment Plan
This provides extended coverage above standard home insurance policies for property that you do not solely own at your primary residence, such as common areas at condos or property in the vicinity of your home within a gated community.
Liability and Medical Payment Coverage
If someone is injured or suffers loss of or damage to personal items while on your property, Platinum Choice® can provide $300,000/$500,000 towards personal liability claims, and up to $5,000 toward medical payments. Typical standard policy limits are $100,000/$300,000.4