For discerning homeowners who want more coverage

New York Homeowners PLUS®

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Two Packages Offer Enhanced ProtectionNow, you can enhance coverage even further with the Value Added Package and the Value Added Package Plus®. These endorsement provides a highly desirable package of our most popular optional features at a reasonable price. The combination of these important coverages on your homeowners policy results in some of the finest insurance protection available today.

Value Added PackageIf you have a Travelers homeowners policy in New York, your policy probably includes the Travelers Value Added Package, which adds five coverage enhancements to the basic homeowners policy at no extra cost.

• Ordinance or Law We provide an additional amount of insurance, up to 10 percent of your Dwelling Limit, to pay increased costs to rebuild your home in compliance with new building codes or laws.

• Personal Property Coverage A typical homeowners policy provides personal property coverage at 50 percent of the amount of your Dwelling Limit. With the Value Added Package, that amount is increased to 70 percent.

• Loss of Use If a fire or other covered loss damages your home and you have to live somewhere else while repairs are made, you could receive up to 30 percent of your Dwelling Limit as reimbursement for your increased costs. A typical homeowners policy provides 20 percent.

• Personal Injury Coverage Provides coverage if you’re sued for libel, slander, invasion of privacy, false arrest and defamation of character for up to your Coverage E liability limit. It also includes attorney fees.

• Lock Replacement Coverage If your house keys are stolen, you can receive up to $250 to pay for changing the locks at your home. There is no deductible on this coverage.

Value Added Package Plus®

Travelers Value Added Package Plus® includes the coverage of the Value Added Package plus four more coverages. If you purchase this optional coverage, you’ll have: • Additional Replacement Cost Protection Provides additional insurance to help rebuild your home if it is destroyed and the cost to rebuild it exceeds your current policy limit.

• Contents Replacement Cost Coverage Lost or damaged possessions can be replaced at today’s prices with no deduction for depreciation. For antiques and other collectible items or personal property that cannot be replaced, we pay the current value.

• Special Personal Property Coverage Coverage for your personal property, which is normally only for certain named perils, is broadened to an “all-risk” basis, subject only to a few standard exclusions.

• Water Back-up Protection For losses up to $5,000 if water backs up through a sewer or drain or overflows from a sump (subject to a $250 deductible).

An Agent Working for YouAt Travelers, we’re committed to bringing you innovative insurance solutions. Your independent agent is a big part of that commitment, and can help you customize your homeowners insurance package to best meet your needs.

The Travelers Indemnity Company and its property casualty affiliatesOne Tower SquareHartford, CT 06183

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages are subject to individual insureds meeting our underwriting qualifications and to state availability.

© 2012 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries. PL-9431 Rev. 3-12

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