Scheduled Personal Property

An extension of the standard personal property coverage, this supplements the limits needed to cover your belongings.

Example: The value of your gun collection exceeds the limits of personal property coverage on your manufactured home policy. Adding a schedule personal property to your policy will extend this coverage to meet your needs.

Home Systems Protection

This is a low-cost coverage enhancement option to your homeowner’s policy that covers the repair or replacement of important systems in your home due to a mechanical or electrical failure. Consider it the cherry on top of your homeowner’s policy.

Example: Your refrigerator suddenly has an accidental mechanical breakdown, and is not a covered loss by your base manufactured home policy. In this instance, home systems protection coverage is a great option to repair or replace the item, up to your policy limits.

Personal Property Replacement Cost

Most policies provide personal property coverage on an actual cash value basis, which factors in depreciation, but you have the option to purchase your personal property coverage on a replacement cost basis, which would provide coverage for the actual dollar amount regardless of depreciation.

Example: Let’s say you purchase a laptop for $1,000 and two years later, it is stolen. On a standard policy with actual cash value, you will receive $800 because the laptop’s value depreciated over those two years. If you purchased a personal property replacement cost policy, you would receive $1,000 for the stolen laptop, regardless of depreciation.

^*This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions.