Our Deluxe USP Homeowners coverage provides all of the features offered under the Special coverage, plus:

• Building ordinance increased costs - When repairing or rebuilding your home after a loss, you may find that local ordinances require upgraded materials. You're covered up to 5% above your policy limit. 
• Replacement cost contents - Instead of factoring depreciation into your reimbursement, we pay for personal property based upon your cost to replace them today (up to policy limits). 
• Mortgage extra expense - Your Deluxe USP helps lessen the impact if your mortgage rate should change due to a repair or rebuild. 
• Personal computers - We provide coverage beyond the named perils of loss for contents, up to $10,000 on hardware and $1,000 on software and data files.