An EPAE may help increase coverage limits in a few different parts of an existing homeowners insurance policy. Typical benefits include:

Dwelling coverage:

Up to 20 percent higher limits for a home and other structures than the standard homeowners insurance provides.

Personal property protection:

Higher coverage for the theft of certain types of belongings, such as jewelry, furs and tools, for which a regular homeowners policy may have lower specific limits. An EPAE may also provide increased protection for items such as computer equipment, that may have lower coverage limits in a standard policy.

Liability coverage:

Increased coverage limits to help protect you if you accidentally damage someone else's property.

Additional living expenses:

Increased limits to help you pay for increased living expenses, such as hotel or restaurant bills, if your home is temporarily uninhabitable after a covered loss.

Spoiled food:

Increased limits to help reimburse you for spoiled food that results from a covered power outage.