Spartan Enhanced Coverage

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Spartan Enhanced Insurance Coverage

Claim the peace of mind that comes from knowing your most valued possessions have up to five times more protection with the Spartan Enhanced Insurance Coverage, the premier protection package for your home, personal property and personal liability—at a substantially reduced cost over itemized pricing.

Property Protection

    • Increased coverage limits for personal property
    • Damage to personal property covered at replacement cost
    • All-risk coverage for personal property
    • Loss of the use of your residence due to power stoppage
    • Refrigerated property damaged as a result of interruption of power
    • Coverage for locks that need replacement due to lost or stolen keys
    • Coverage for damages caused by water back up in sewers, drains or sump pumps with nominal $250 deductible
    • Reimbursement of fire department service charges up to $1,000
    • Reimbursement for expenses incurred due to identify fraud

 

Personal Liability

    • Personal liability coverage limits of $500,000, qualifying for a premium credit on a personal liability umbrella policy
    • Medical payment coverage limits of $5,000, greatly reducing the chance of involvement in a lawsuit for an accident occurring on your property
    • Extension of personal liability coverage to include emotional damage for which you could be legally liable
    • Increased coverage limit to $1,000 for damage to property of others regardless of your legal liability

 

Special Coverage Limits

    • Up to $5,000 on trailers not used with watercraft
    • Up to $5,000 for loss by theft and up to $2,500 for loss by misplacing or losing, of jewelry, watches, furs, and precious or semi-precious stones (not exceeding $1,000 for any one article)
    • Up to $5,000 for loss by theft and up to $2,500 for loss by misplacing or losing firearms (not exceeding $1,000 for any one article)
    • Up to $5,000 for loss by theft and up to $2,500 for loss by misplacing or losing of silverware, silver-plated ware, gold ware, gold-plated ware and pewter ware (including flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter)
    • Up to $10,000 on property on the “residence premises” used at any time or in any manner for any business purpose
    • Up to $1,000 on property away from the “residence premises” that can be used at any time or in any manner for any business purpose with the exception of electronic apparatus
    • Up to $10,000 for theft or unauthorized use of credit card or fund transfer card as well as situations that involve forgery or acceptance of counterfeit money

Spartan Enhanced Coverage Brochure

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