Coverage for Bizarre Losses

You parked your riding mower on a hill above a pond and left it alone for just a few minutes. The mower slipped out of gear and into the pond. You are wishing now you had insurance coverage for that.  By arranging for an HO15 Endorsement on your homeowner policy you will be covered for such unusual events. This is a broad endorsement that also covers other personal property loss due to extraordinary circumstances:

• Lost jewelry; gemstones that have fallen out of jewelry; loss in value when a gemstone is scratched or cracked – subject to a policy dollar limit.
• Cameras, Ipods, cell phones, electronic equipment or other personal items that may have fallen overboard from a boat, or from a capsized canoe
• A hot iron falling on a rug, scorching the rug
• Property damage from raccoons
• Lost hearing aids, eyeglasses, telescopes, etc...
• Spillage of fluids and chemicals that cause damage such as: paint, India ink, nail polish, acid, bleach, etc...
• A deer crashing through your sliding glass door, struggling to deal with the unfamiliar surroundings of your home, causing extensive damage

Most home insurance policies list nearly 20 different perils to cover for household contents that do not include those listed above. The HO15 Endorsement will cover most of these bizarre losses which are subject to your policy deductible.

Call Executive Insurance Group if you have more questions.  Our team can be reached Mon-Fri 8a.m.- 5p.m. at 330.966.0080 locally, or 800.981.0080 toll free, or email us: info@executiveinsurance.com.