Celina Home Insurance IconHome Optional Coverages

At Celina Insurance Group, we understand that our insureds have different levels of comfort when it comes to homeowners protection. We provide the following options to customize your coverage and meet your specific needs.

An additional premium will apply to each coverage added to your policy, and certain qualifications may apply. Talk with your independent agent today to see if any of these optional coverages are right for you.

Select an optional coverage to learn more:

  1. Equipment Breakdown
  2. Protects you against unexpected repair or replacement costs due to mechanical, electrical, or pressurized systems breakdown.

  3. Replacement Cost on Contents
  4. You have the choice of insuring your personal property at actual cash value (what it is worth today) or at replacement cost. Please talk to your agent about the benefits of insuring your belongings at replacement cost value.

  5. Water Back Up of Sewers or Drains Coverage
  6. Concerned about possible water damage to your basement? Celina offers several limits to provide coverage for direct loss to your home and personal property caused by water which backs up through sewers or drains.

  7. Personal Injury
  8. Personal Injury provides liability coverage for personal injury to others, such as:

      False arrest.
      Malicious prosecution.
      Wrongful eviction.
      Slander and libel.
      Violations of right of privacy.
  9. Enhanced Dwelling Limits
  10. A total loss of your home can be devastating, both emotionally and financially. Protect yourself by purchasing our Enhanced Dwelling Limit Protection, which provides full replacement cost coverage, up to a maximum of 125% of the specific limit of liability.

  11. Refrigerated Property Coverage
  12. We automatically include $300 coverage for loss of food stored in freezers or refrigerators on your premises caused by power service interruption or mechanical failure. You have the option of increasing the coverage for an additional premium.

  13. Scheduled Personal Property
  14. You may want to consider purchasing additional insurance for some of your most valuable items. We offer special coverage for jewelry, cameras, firearms, silverware, musical instruments, fine arts, golf equipment, and many other items.

  15. Recreational Vehicles and Watercraft
    • Need coverage for your "toys"? Snowmobiles and golf carts can be added to your homeowners policy.
      We can also insure boats, jet skis, and trailers under your homeowners policy. Ask your independent agent for details.

Not all coverages, credits, and discounts are available in all states and/or programs.