Standard homeowners policies are designed to protect what matters – but standard limits aren't always enough when real life happens. Jewelry may exceed sublimits, water backup damage can be costly, and liability exposure only grows as households become more connected, social, and active.
As your lifestyle evolves, your insurance should evolve with it.
At Ovation Home Insurance Exchange, we offer simple coverage upgrades to help you extend home insurance limits, boost financial protection, and add peace of mind where homeowners feel the most risk. These upgrades come in three tiers — Plus, Gold, and Platinum Premium Packages — so you can choose the level ideal for your home, valuables, and comfort.
This guide breaks down what these upgrades do, who they fit best, and how they work in everyday life.
Why Homeowners Look to Extend Coverage Limits
Most losses don’t come from hurricanes – they come from the everyday unexpected.
Think about:
- Cash kept at home for emergencies goes missing after a break-in. (money loss)
- Your credit card information is compromised online. (credit card/forgery loss)
- A diamond necklace passed down from your grandmother is stolen. (jewelry loss)
- An online dispute leads to a defamation claim against you. (personal injury claim)
- A backyard game sends a baseball through your neighbor’s window. (personal liability claim)
- A guest slips and is injured on your property. (medical payments claim)
- Your sewer drain backs up after heavy rain. (water backup loss)
These aren’t catastrophic events – just expensive ones. And standard policies cap payouts on several categories below what repair or replacement often costs today.
Florida homeowners especially have to deal with:
- Moisture & water intrusion
- High-value jewelry ownership (vacation gifting, engagements, inheritance)
- Rising medical & legal costs
- Digital risk & identity fraud
So the need to extend home insurance limits isn’t about risk – it’s about readiness.
A Closer Look at Base Policy Limits (& Where Gaps Appear)
Standard homeowners insurance includes protection for:
- Personal property
- Liability
- Medical payments
- and more
… but some areas have low sublimits – meaning coverage exists, but caps are small.
A single event can exceed these caps quickly – the very scenario coverage upgrades are built for.
It’s also worth noting two commonly misunderstood coverage types aren’t interchangeable:
- Personal injury covers reputation-based claims such as libel or slander.
- Personal liability responds to physical injury or property damage you may be responsible for.
Since each protects a different type of liability risk, increasing limits or adding the coverage you don’t yet have can help ensure you're financially protected in more scenarios.
Coverage Upgrade Packages from Ovation
All three options we offer help extend home insurance limits affordably – and all are available to existing Ovation homeowners as simple add-ons. Prices remain intentionally accessible, making better protection available without premium shock.
Think of the packages as stacked layers of protection. The Plus package adds foundational upgrades. Gold adds legal protection on top of that. Platinum adds increased limits, medical payments, and water backup coverage – our fullest protection tier.
PLUS → GOLD → PLATINUM
(each tier adds to the benefits of the previous tier)
PLUS PACKAGE - $30/year
Protection for everyday valuables.
Ideal for households wanting a little extra room in coverage limits without overbuying. This foundational upgrade raises limits for commonly claimed items.
Increases:
- Money – to $500
- Credit card/forgery – to $1,000
- Jewelry/furs – to $2,000 total (no item > $1,500)
Everyday example:
You host a dinner, a guest’s child wanders into the bedroom, and $400 cash from a drawer goes missing. Your base policy covers up to $200. With the Plus Premium Package, your limit more than doubles to $500.
Best for:
- Condos + smaller households
- Everyday valuables, modest jewelry
- Homeowners starting to extend home insurance limits affordably
GOLD PACKAGE - $50/year
The upgrade with personal injury protection added.
Built for homeowners who want legal protection layered in because online conversations, reviews, and social interactions carry real-world liability.
Increases/includes:
- Money – to $500
- Credit card/forgery – to $1,000
- Jewelry/furs – to $2,500 total (no item > $1,500)
- Personal injury – adds $100,000
Everyday example:
You comment in a neighborhood Facebook group about a contractor – and they claim it's defamatory. The Gold Premium Package provides personal injury protection to help defend you.
Best for:
- Families with teens
- Active social media users
- Homeowners wanting more legal protection
PLATINUM PACKAGE - $115/year
The highest protection + water backup coverage.
Our most comprehensive option. Designed for households wanting elevated coverage limits and support in high-cost events like liability or water backup.
Increases/includes:
- Money – to $500
- Credit card/forgery – to $1,000
- Jewelry/furs – to $5,000 total (no item > $1,500)
- Personal injury – adds $100,000
- Personal liability – adds extra $100,000
- Medical payments – adds extra $3,000
- Water backup – adds $5,000 ($250 deductible applies)
Everyday example:
After heavy rain, a sewer line backs up into the bathroom. Flooring needs replacing – and cleanup is costly. With the Platinum Premium Package, members receive up to $5,000 toward water backup damage repair.
Best for:
- Homeowners with heirloom jewelry
- Those who host visitors often
- Larger homes, vacation homes, pool homes
- Homeowners wanting to extend home insurance limits comprehensively
Quick Comparison
These upgrades make it easier to extend home insurance limits thoughtfully – without purchasing individual endorsements one by one.
Water Backup Deserves a Moment
It doesn’t take a storm for water damage to create a costly mess. In Florida, homes frequently experience:
- Drain backups
- Sump discharge
- Sink/toilet overflow
- Sewer intrusion after heavy rain
Even a small backup can damage:
- Tile & flooring
- Stored belongings
- Baseboards/vanities
- Electrical components under flooring
Without coverage, homeowners pay fully out-of-pocket, often $3,000–$15,000. Ovation’s Platinum Premium Package provides up to $5,000 toward repairs.
Signs You May Need Stronger Protection
Check all options below if they apply:
- I own jewelry valued over $1,500 total.
- I keep emergency or travel cash at home.
- I shop or bank online frequently.
- I’ve hosted guests or had contractors working at my home recently.
- I want higher liability limits just in case.
- My home has older plumbing or low drainage.
- A water backup would disrupt my life significantly.
- I prefer peace of mind over risk exposure.
If you checked 2 or more, you may benefit from an upgrade.
A small annual cost can prevent a large unexpected one.
Frequently Asked Questions: Increasing Home Insurance Limits
1. Do Premium Packages replace my policy?
No – they enhance it. They help extend home insurance limits, adding protection where standard limits may fall short.
2. Do I need all three Premium Packages?
No. Choose the one best suited to your lifestyle and assets.
3. Is pricing annual?
Yes – upgrades are billed yearly and remain intentionally affordable.
4. Does the Platinum Premium Package cover water damage?
Yes – it covers water backup specifically (not flooding), up to $5,000 with a $250 deductible. Rising water entering the home from outside still requires separate flood insurance.
5. Can I buy water backup coverage separately?
Yes. But our Platinum Premium Package bundles it with multiple valuable upgrades.
6. How do I add this protection to my existing policy?
Contact your agent and request the Plus, Gold, or Platinum package. Most upgrades can be added anytime.
Ready to Strengthen Your Home Insurance Coverage?
Home isn’t just where you live – it’s where you’ve invested time, value, and heart. Your coverage should reflect that.
Upgrading your coverage is one of the fastest ways to extend home insurance limits without increasing your entire policy premium – and many Ovation members are surprised by how affordable it is.
- Contact your agent to upgrade your Ovation policy now.
- View Ovation’s Premium Package brochure for more details.
- Get a quote now if you’re not already a member of Ovation Home Insurance Exchange.
Because protection shouldn’t stop at enough – it should meet the life you’ve built.