You may require more coverage than your standard policy offers. For example, the more your earning power and assets increase, the more you have at risk, and therefore, the more you need to protect. In the event that you’re sued for personal liability, a standard homeowner policy will cover up $100,000. Beyond that, it comes out of your pockets. There's an old saying that goes: "He who has the deeper pockets pays!" Don’t leave yourself vulnerable. The deeper your pockets become, the higher your personal liability coverage should become. Let us make sure you’ve got the coverage you need.

SSIC offers the following increases above and beyond your standard coverage:

Type of increase	Typically included with policy		Policy Increase
			1		2
Personal Property	75% Replacement Cost (This means that if your home is insured for $100,000, then its contents are insured for $75,000)		25% Actual Cash Value		50% Actual Cash Value
Medical Payments to others	$1,000		$3,000		$5,000
Personal Liability	$100,000		$300,000		500,000
Increasing Other Structures	From 10% of Coverage A		Up to 70% of Coverage A
Loss Assessment Coverage’s	$1,000	$2,000	$3,000	$5,000	$10,000

SSIC also offers an additional policy to provide coverage under the National Flood Insurance Program (NFIP). Coverage is available up to $250,000 per location. Contact your agent for more details.