Additional Protection for Your Home

Need more protection? These affordable coverages can be attached to your policy.

For added peace of mind, consider adding these endorsements and products that give you more protection and higher limits.

A person holding a replica of a home in their hands

The following add-on endorsements and products give you more protection and higher limits.

Personal Property Replacement Cost

Partners Mutual Insurance settles covered personal property losses based on the actual cash value of items such as furniture, clothing and electronic appliances, unless it costs less to repair that item. Actual cash value means the cost to replace the damaged item less depreciation.

However, you have the option to purchase Personal Property Replacement Cost coverage, which pays to repair or replace damaged or destroyed items at today’s price, with no deduction for depreciation.

Personal Injury

Provides protection against more types of lawsuits like libel, slander, invasion of privacy, wrongful entry and wrongful eviction.

Water Back-up and Sump Overflow

Covers losses and cleanup costs that result from water backing up through sewer or drains or sump overflows, up to the coverage limit.

Identity Theft

Reimburses you for your legal fees, document duplication, mailing costs and more.

Specified Additional Amount of Coverage

Covers additional costs when the loss is more than the policy’s limit, to help cover spikes in rebuilding labor and material costs and ensures replacement materials of the same quality. Additional amounts of coverage are available at 25 percent or 50 percent of dwelling limit.

Valuable Articles

Specifically covers personal property, such as jewelry, furs, fine art, silver and electronics by description and value for virtually any type of loss, with no depreciation and no deductible.

Loss Assessment

Provides coverage for any losses assessed against you as a member of, and required by, a condo or homeowner association, up to the policy limit.

Partners Protection Plans

Similar to our auto endorsement packages, Partners offers Homeowners Protection Plans to enhance your coverage options and protection. The various plans include, but are not limited to, coverages and solutions for:

  • Dwelling Replacement Coverage increase to 125%
  • Refrigerated Products
  • Lock Replacement
  • Debris Removal
  • Credit Card and Fund Transfer Coverage
  • Personal Property increased limit for money, bank notes, bullion, gold and silver
  • Glass, glazing and thermopane fogging
  • Arson reward
  • Loss of use
  • Business property increased limit
  • Identity Theft expenses
  • Personal Injury

Discuss your coverage needs with your agent to determine the appropriate Protection Plan.

Country Homeowner

Provides additional dwelling, structure and liability coverages for approved hobby farms.

Equipment Breakdown

Provides coverage due to the breakdown of an electrical, mechanical or pressurized system. Learn more about Equipment Breakdown coverage.

Underground Utility Coverage

This valuable coverage protects you from costly repairs if water or sewer pipes break outside your home. Learn more about this coverage. 

Sinkhole Collapse

Provides coverage for physical damage caused by sudden collapse of the earth supporting such property.

Incidental Occupancies and Home Business

Provides limited coverage for permissible in-home business exposures. Discuss your need with your agent to determine appropriate coverage solutions.

Recreational Vehicles

Partners Mutual Insurance also provides coverage solutions to protect your personal pleasure vehicles including:

  • All-Terrain Vehicles (ATVs)
  • Residential Service Vehicles (small tractors and utility vehicles)
  • Snowmobiles
  • Watercraft
Personal Umbrella Policy

Don’t let one costly lawsuit destroy your family’s financial future. You can protect your family and your assets with a Personal Umbrella Policy. It's an extra layer of protection beyond what's covered by your auto and homeowners insurance policies. This valuable policy provides excess liability insurance coverage for an additional $1 million limit, with even higher limit options available. This is especially important if you have significant assets or earning potential that could be used to satisfy a judgment against you.


Discounts and coverages are subject to state availability and individual eligibility. Discounts may not apply to all coverages and/or all vehicles.


I was so satisfied that I'm telling all my friends how courteous your staff was with me and fast. Thank you.

Dorothy O.

Sunbury, Pennsylvania