Personal Lines Upgrades to Sell by Direct Mail

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Match the endorsement upgrade offer to each insured’s specific needs. Cross-sell upgrades add coverages by endorsement versus writing an optional separate contract. Standard upgrades are endorsements that extend existing coverages that aren’t available as a separate policy. These distinctions may vary by company.

Cross-sell upgrades

Excess liability or umbrella endorsement

Personal computers and software endorsement

Home-based businesses

Floaters on jewelry, art, silverware, and collectibles

Cellular phones and pagers

Boat liability

Identity theft

Standard upgrades

Coverage form upgrades

Guaranteed dwelling replacement

Replacement cost coverage on contents