Even our basic policy is superior to standard homeowners insurance policies. Special Level coverages include:

• Broadened replacement cost on dwellings - Your enhanced policy means that the difference between policy limits and the actual cost of replacing your home is covered (in many cases).  
• Additional living expenses - There are no pre-set limits on reasonable living expenses for up to one year if your home becomes uninhabitable due to a covered loss. 
• Electronic devices used with an auto - Your policy covers transportable cellular (car) phones, CD players and other portable electronics with no internal limits.  
• Personal/contractual liability ("umbrella coverage") - These elements of your policy protect you against charges of libel, slander and defamation of character as well as against liability for non-business contracts into which you enter.  
• Workers' compensation - Your USP homeowners insurance provides payments that your state requires for help you bring into your home, either for its maintenance or for the care of your family.  
• Vandalism/malicious mischief - Standard policies exclude this coverage; you can get it (excluding the first $5,000 of the loss) through your USP. When you move to a new home, your unsold property remains covered.