For a small additional premium, we provide the following endorsements and products that give you more protection and higher limits.

Personal Property Replacement Cost

Penn National 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, subject to policy terms and conditions.

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.


Increase the most popular special limits and add other valuable coverages on your basic homeowners policy by adding this affordable package of endorsements. Coverages include:

  • Identity theft
  • Money, coins, bank notes
  • Securities, deeds, manuscripts, passports
  • Loss assessment
  • Theft of silverware
  • Credit card theft
  • Refrigerated property

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