Citizens Platinum Home

Coverage	Platinum Select	Platinum Select Plus	Platinum Select Premium
Waiver of Deductible When there is a single loss that affects more than one property (such as two cars, or a car, home, and boat) only the highest policy deductible will apply when the loss to that policy exceeds the deductible. All other policy deductibles will be waived.
Fire Extinguisher Recharge or Replacement Pays to recharge or replace a portable fire extinguisher used to fight a fire in the covered home. No deductible.
Mortgage Extra Expense Coverage If you have a total loss to your home, you’ll get reimbursed for certain expenses¹ to replace your property. If you need a new mortgage and it has a higher interest rate (at the same principal amount and term), additional interest—one year—is covered.² This benefit also includes up to $1,000 for title, appraisal, and application fees. No deductible.
Siding and/or Roof Restoration Coverage Provides coverage up to $20,000 for the cost to replace any undamaged portion of certain types of siding or roofing when similar materials are no longer available to repair or replace the damaged portion of the siding or roofing.(Home policies only)
Extended Dwelling Replacement Cost Extended Dwelling Replacement Cost of losses exceeding the policy’s limit, up to 125% of Coverage A. Benefits include: Covering spikes in rebuilding labor and material costs Ensuring replacement of materials with those of comparable quality
Personal Property Replacement Cost Personal Property Replacement Cost for damaged, destroyed or stolen property—with no deduction for age or condition
Food Products Food products in a refrigerator or freezer due to loss of power
Lock Replacement Lock Replacement of external locks when keys are stolen
Extended Dwelling Replacement Cost Extended Dwelling Replacement Cost of losses exceeding the policy’s limit, up to 150% of Coverage A	125%	150%	150%
Water Back-up and Sump Overflow Covers property losses and clean-up costs that result from water backing up through sewers or drains or sump overflows—up to $10,000	–	$10K	$25K
Personal Injury Personal Injury costs including lawsuits involving invasion of privacy, wrongful eviction or wrongful entry as well as interest on judgments, lawyer’s fees, court costs and time off from work	–
Identity Fraud Expense Identity Fraud Expense providing reimbursement for legal fees, document duplication, mailing costs and more	–
Waive Deductible Removes the deductible when the loss to the home exceeds $50,000	–	–
Special Personal Property Coverage Covers against all but specifically named causes of loss (such as freezing, wear and tear, smog, rust and corrosion, release or escape of pollutants) and broadens some policy payment limits. Covers: Misplaced or lost jewelry, watches, furs, and silverware Breaking fragile items not covered in standard policies Damage resulting from earth movement not associated with earthquakes	–	–
Upgrade to Platinum Select Premium Extra for Guaranteed Replacement Cost Increased Loss of Use limit to Actual Loss Sustained during a coverage period—from time of loss up to 24 months³, for the security of knowing that temporary living expenses will be covered—and those important “extras” you may face after a loss, such as debris removal, bringing an older home up to current building codes, permit fees, etc.

¹Incurred within 120 days of the loss.
²With payments to you made semi-annually.
³Specific state ordinance/law and Loss of Use limits apply.

Hanover Platinum Protection Home Endorsements

Some home additions that every homeowner should consider

Not all home additions involve an increase in square footage. However, these special home endorsements will definitely add new dimensions to your Platinum Home policy.

Equipment Breakdown

Today’s homes have a lot of equipment. That means more risk of breakdowns. For common household appliances, this affordable endorsement covers physical losses or damage caused by sudden mechanical, electrical, and pressure systems breakdown. It features a low deductible and coverage options of $25,000 and $50,000. Applies to air conditioning systems, refrigerators, laundry appliances, etc. and does not cover wear and tear. You can also benefit from:

Expediting Expense—reasonable cost to expedite repairs or replacement
Pollution Clean-Up and Removal Coverage
Coverage for Food Spoilage

Assisted Living Care Coverage

Get the peace of mind that providing an extra level of protection offers your loved ones residing in an Assisted Living Care facility or nursing home. Includes:

Additional Living Expenses—Up to $500 per month in increased living expense (12-month, $6,000 maximum) if a loved one is temporarily displaced because of a covered loss.
Personal Liability Coverage—For unforeseen bodily injury or property damage resulting from the Insured’s activity with a choice of limits of $100,000 or $300,000 per occurrence.
Personal Property Coverage—Provides special limits of liability for lost or broken personal belongings, including clothing, and specific items such as hearing aids, false teeth, eyewear, and walking aids.

Water Back-up and Sump Overflow

Stand-alone Coverage available above the limits provided by a Select, Select Plus, or Select Premium policy. Makes particular sense for customers with a finished basement who want to further protect:

Boilers, washers, dryers, and other appliances
Personal property stored at floor level

Guaranteed Replacement Cost

This coverage insures the full replacement cost to rebuild your home after a total loss with materials and craftsmanship of like kind and quality regardless of rising material and labor costs. Can be added to any Platinum Home policy as standalone coverage, or as part of a bundle (Platinum Select Extra) for Platinum Select Premium customers.

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All products are underwritten by The Hanover Insurance Company or one of its insurance company subsidiaries or affiliates ("The Hanover"). Coverage may not be available in all jurisdictions and is subject to the company underwriting guidelines and the issued policy. This material is provided for informational purposes only and does not provide any coverage.