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Ways to lower your premium costsReview your deductibleBy raising your deductible, you could save on your premium. Your deductible is the amount you are required to pay toward costs to repair covered damage to your home. If you can afford to raise your deductible by even $500, you could save on your home premiums. Keep in mind that you may have different deductibles for things like wind, hail or other types of losses. Your agent can help you determine how much you might be able to save by adjusting your deductibles.

Review coverageMeet with your agent each year to discuss your policy limits and coverage. Some “valuable items” such as fur coats and other belongings may depreciate from year to year. In these cases, you may be able to adjust coverage accordingly and save on premiums.

Improve home securityBy installing fire and burglary protection systems, you may earn a discount on your premium – and keep your home and family safe. The cost to install protective systems may be worth the initial investment because the discounts will continue to apply each year your policy is renewed.

Home upgradesIf your home is located in an area prone to hurricanes or other disasters, you may be able to save on premiums by installing storm shutters, upgrading your roof or performing other “risk-mitigation” updates. These types of upgrades can help protect your home against damage, which can result in a lower premium.

Travelers Home

Platinum Plus Package

Available endorsementsGreenHome UpgradeThis coverage adds additional protection to an existing Travelers policy that can help repair, replace or rebuild with green materials after a loss.

Valuable Items Plus Can provide extra coverage for valuable items such as jewelry, furs and art.

Available discountsAccount DiscountWe offer a discount when you have multiple policies with Travelers including auto, renters, umbrella, boat/yacht and more.

Home Buyer DiscountIf you purchased your home within the last 12 months, you could save on your premium.

Loss-Free DiscountIf you have not experienced a loss on your home in the last three years, you could qualify for a premium discount.

Protection Device DiscountIf your home is protected by a fire or burglary protection system/device, you could qualify for a premium discount.

GreenHome DiscountIf your home is LEED (Leadership in Energy and Environmental Design) certified, you can save 5% on your premium.

travelers.com

The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183

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.

© 2014 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-15653 Rev. 12-14

Talk to your agent about other ways you may be able to reduce your premium, while still maintaining the coverage you need in the event of a loss.

HOME

Your home is probably one of the biggest investments you will ever make… so it’s critical to have the right coverage in place to protect it. Travelers created this home insurance overview to help you understand what types of coverages are typically included in the Travelers Home Platinum Plus Package. It also offers a high-level summary of the key coverages and includes information on additional options available that may provide even greater protection of your assets.

Travelers Home

Platinum Plus Package Dwelling – Coverage ACan cover damages to your home’s physical structure.

Additional Replacement CostProvides an additional amount of insurance you may need to rebuild your house if your Coverage A amount is inadequate. The amount of coverage provided is a percentage of your Coverage A limit.

100%

Coverage A Cash-Out OptionPays the lesser of replacement cost at the time of loss or Coverage A amount in the event that you elect not to rebuild after a total loss. Included

Other Structures – Coverage B Covers costs to pay for repair and/or rebuilding for damages to your detached garage, shed or other covered structures on the property.

Percentage of Dwelling Coverage The amount of coverage is a percentage of your Coverage A limit. 10%

Personal Property – Coverage C Can cover loss to your contents such as furniture, electronics, clothing and other household items.

Percentage of Dwelling Coverage The amount of coverage is a percentage of your Coverage A limit. 75%

Contents Replacement CostCan cover costs to pay replacement value on property damaged by a covered loss, with no deduction for depreciation, subject to your policy limits and deductibles. Special limits apply to certain items such as jewelry, watches and furs.

Included

Loss of Use – Coverage D Can cover the additional costs you incur for housing and other living expenses if a covered loss makes your house uninhabitable and you have to move out temporarily while it’s being repaired.

Percentage of Dwelling CoverageThe amount of coverage is a percentage of your Coverage A limit. 50%

Additional Coverages Lock ReplacementCan cover expenses you incur in changing the locks on your “residence premises” when your keys have been stolen. The theft of keys must be reported to the police for this additional coverage to apply.

$500

Debris Removal Can cover the costs associated with removing debris as a result of a covered loss. The amount of coverage is a percentage of your Coverage A limit. 100%

Tree Removal Can cover the costs to remove tree(s) that have fallen on the house, covered structures or those that have fallen and are blocking access to the property. $1,000 per occurrence

Fire Department Service Charges $1,000

Food Spoilage Coverage $5,000

Rebuilding to Code (Ordinance or Law) Can cover the increased costs necessary to comply with the enforcement of a building ordinance or law. The amount of coverage provided is a percentage of your Coverage A limit.

100%

Water Backup of Sewers and DrainsProvides coverage for damage caused by water that backs up through sewers or drains, or that overflows from a sump pump on the property. Included

Personal InjuryExtends liability coverage to protect you from personal injury to others, such as false arrest, libel, slander or invasion of privacy. Included

ID Fraud Expense ReimbursementThis coverage helps cover costs to restore your identity if it’s used fraudulently. Included — Up to $25,000

Special Limits Money, Coins $2,000

Securities, Stamps $5,000

Trailers $3,000

Watercraft $2,500

Jewelry, Furs $5,000 (Stolen, misplaced or lost)

Silverware $10,000 (Stolen, misplaced or lost)

Firearms $6,000 (Stolen, misplaced or lost)