Homeowners and Condo Insurance Benefits
Added Benefits, No Deductible
Your identity is stolen. Your credit card disappears. A power outage causes all the food in your refrigerator to spoil. You experience theft.
When life happens, a home insurance policy from Ameriprise Auto & Home Insurance can be your secret weapon. In addition to standard coverages, our homeowners insurance and condo insurance policies include a few extra benefits:
Costco Member Benefits
Costco members receive a discount on their policies, simply for being a member.1
Costco Executive Members also receive additional benefits on their home policies2:
- Glass Repair Reimbursement – If one of the windows on your home is broken, let us know. We'll reimburse you for the repair costs!
For special and condo policies, covers up to $1,000 per occurrence, limited to two claims within any consecutive 12-month period. This $1,000 limit is included in the limit of liability for dwelling coverage and is subject to the conditions, limitations and exclusions described in the policy.
- Home Lockout Assistance – If you find yourself standing on your doorstep with no keys, no worries! For Executive Members, help is just a phone call away! You can receive service 24 hours a day, seven days a week!
For special and condo policies, covers up to $100 per occurrence, is limited to two claims within any consecutive 12-month period and may be subject to specific conditions.
Costco Executive Members receive additional benefits on auto policies. Find out more!
Identity Theft Protection
We want to help you if you fall victim to fraud. Our home insurance and condo insurance policies all include identity theft protection as a standard benefit. So, if your identity is stolen, your policy will cover up to $5,000 in costs related to recovering from identity theft.
Stolen Credit Card Use or Check Fraud Protection
You open a credit card bill only to discover thousands of dollars in charges you never made. Whether your credit card was lost, stolen or hacked, we have you covered. Homeowners and condo insurance policies from Ameriprise Auto & Home Insurance include coverage for losses due to unauthorized credit card use.3 And, even better, you won't have to pay your deductible on the claim. That's a home insurance benefit worth talking about.
Food Spoilage Protection
A storm. Equipment failure. Construction accident. The causes for power outages are many, but the resulting food spoilage is often the same. If you experience a power outage and the food in your refrigerator spoils, your Ameriprise Auto & Home Insurance policy protects you. We'll cover the replacement of food, up to $500 in value, when it spoils due to power failure.4 Plus, no deductible applies.
Lock Replacement Expense Protection
Your safety matters. That's why we cover the cost of lock replacement if your home has been broken into or you've been victim of theft. Our homeowners insurance and condo insurance policies include lock replacement coverage, up to $100.5 Reclaim your sense of security with this benefit from Ameriprise Auto & Home Insurance.
These benefits are just part of the reason Ameriprise Auto & Home Insurance is affordable insurance, handled with care.
1 Costco discount is subject to eligibility and underwriting criteria, is not available in TN or on auto insurance of non-Executive members in MA.
2 The home glass repair reimbursement benefit covers up to $1,000 per occurrence, limited to two claims within any consecutive 12-month period. This $1,000 limit is included in the limit of liability for Dwelling coverage and is subject to the conditions, limitations and exclusions described in the policy. Home lockout assistance covers up to $100 per occurrence, is limited to two claims within any consecutive 12-month period and may be subject to specific conditions. Executive home benefits are not available on renters policies.
3 Unauthorized credit card use coverage not available in Texas.
4 Food spoilage due to power failure coverage is available to renters in AR, CO, KY, MD, MI, MT, NV, OR, NH and VA. It is not available to home insurance and condo insurance policyholders in FL and TX. Includes coverage up to $500.
5 Lock replacement expense protection not available to renters or home and condo insurance policyholders in DC, KS, NM, NC, SC and TX. Includes coverage up to $100.