Spartan Enhanced 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 Coverage than with a basic coverage policy, Spartan Enhanced Coverage is 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 interruption of power
- 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
