Homeowners insurancecoverage optionsCOMPREHENSIVE, FLEXIBLE AND JUST FOR YOU

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The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183

This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages are subject to individual insureds meeting our underwriting qualifications and to state availability.

© 2015 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries. PL-16724 Rev. 3-15

Travelers also offers extra coverages (endorsements) that can be added easily to your policy.

These include:• Special coverage for contents. Provides broader

protection for your possessions; your personal property is covered in more situations than the basic policy.

• Contents replacement cost coverage. Pays the replacement value on property damaged by a covered loss – with no deduction for depreciation – subject to your policy limits and deductibles. Special limits apply to certain items such as jewelry, watches and furs.

• Additional replacement cost coverage. If the limit of insurance on your home is too low to cover a total loss, this coverage makes available an additional amount to help rebuild your home.

• Valuable Items Plus. Provides higher limits and expanded protection for special classes of property such as jewelry, silverware, fine art, furs, cameras, musical instruments, and home computers.

• Personal articles floater. Should you need even higher amounts of coverage than that offered by the Valuable Items Plus endorsement, this separate valuable items policy is also available.

• Coverage for water back-up. Provides coverage up to a specific dollar amount if water backs up through your sewer or drain, or if water overflows or is discharged from your sump pump.

• Identity fraud coverage. Provides up to $25,000 to help cover costs to restore your identity if it’s used fraudulently.

• Green home coverage. Additional protection to an existing Travelers policy that will help repair, replace or rebuild with green materials, after a covered loss occurs.

At Travelers, we understand that no two homeowners are alike.

That’s why our homeowners policy offers a variety of coverages and deductibles to meet your individual needs today, tomorrow and into the future. Do you want just the basics? A more maximum coverage policy? Or something in between? No matter what you are looking for, Travelers can help with coverage for:

• Damage to your home’s physical structure (Dwelling coverage)

• Damage to other structures like a garage or shed (Other Structures coverage)

• Your personal belongings – whether in your home or elsewhere (Contents coverage)

• Additional living expenses, if necessary, in the event of a covered loss (Loss of Use coverage)

• Your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage)

Your agent can help you create a policy specific to your needs.

This chart compares different base policies that combine Travelers’ most popular coverages. You’ll note base plans range from “just the basics” to “more maximum coverage.” We encourage you to consider these differences as you work with your agent to build a custom insurance policy that is appropriate for your individual needs and budget.

Travelers offers many ways to save on home insurance. Talk to your agent to see if you qualify.

• Multi-Policy Discount. You can save up to 15 percent on home insurance when you have more than one policy with Travelers − homeowners, auto, umbrella, boat, personal articles floater.

• Home Buyer Discount. Available to customers who have purchased their home within the prior 12 months to the policy effective date.

• Loss-Free Discount. Offered to eligible customers who have not experienced a loss within a specified time period.

• Protective Device Discounts. Provide a variety of ways to save by having devices such as:

– Smoke detectors and alarms – Interior sprinkler systems – Home security systems such as deadbolts, alarms and 24-hour security guard

• Green Home Discount. You could save up to 5 percent if your home is certified ‘green’ by Leadership in Energy and Environmental Design (LEED).

Travelers Home Insurance offers a full range of coverages. Talk to your agent about custom protection for your home that’s as individual as you are. Your agent can help make your choices clear and simple.

Travelers Home Coverage Comparison Chart

PLATINUM PLUS

HO-3 HO-3 with HO-420 and HO-290 HO-3 with HO-15, HO-85 and HO-455 Platinum Plus

Dwelling – Coverage A

Perils insured against All risk All risk All risk All risk

Additional replacement cost Optional 25% or 50% of Cov. A 25% or 50% of Cov. A 100% of Cov. A

Other structures – Coverage B

Percentage of dwelling coverage 10% 10% 10% 10%

Perils insured against All risk All risk All risk All risk

Additional replacement cost Not available Not available Not available Not available

Contents – Coverage C

Percentage of dwelling coverage 50% 70% 70% 75%

Perils insured against Named perils Named perils All risk All risk

Loss of use – Coverage D

Percentage of dwelling coverage 30% 30% 30% 50%

Extra coverages

Lock replacement Not included Not included $250 $500

Debris removal 5% of applicable limit 5% of applicable limit 5% of applicable limit 100% Cov. A Limit

Tree removal $500 per tree/$1,000 per occurrence

$500 per tree/$1,000 per occurrence

$500 per tree/$1,000 per occurrence $500 per tree/$1,000 per occurrence

Fire department charges $500 $500 $750 $1,000

Food spoilage coverage $500 $500 $500 $5,000

Rebuilding to code (Ordinance or law)

10% of Cov. A Limit 10% of Cov. A Limit 10% of Cov. A Limit Included up to Cov. A Limit

Water backup of sewers and drains

Not included Not included Included Included

Personal injury Not included Not included Included Included

Identity fraud expense reimbursement

Not included Not included Included Included

Special limits

Money, Coins $200 $200 $300 $2,000

Securities, Stamps $1,500 $1,500 $3,000 $5,000

Trailers $1,500 $1,500 $3,000 $3,000

Watercraft $1,500 $1,500 $3,000 $2,500

Jewelry, Furs $1,500 (Stolen) $1,500 (Stolen) $3,000 (Stolen, Misplaced, Lost) $5,000 (Stolen, Misplaced,Lost)

Silverware $2,500 (Stolen) $2,500 (Stolen) $4,000 (Stolen, Misplaced, Lost) $10,000 (Stolen, Misplaced, Lost)