Personal Lines Upgrades to Sell by Direct Mail

January 3, 2005

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
  • Combination endorsement packages
  • Increased condo additions and alterations, loss assessment
  • Custom equipment on vans and pickups
  • Increased auto limits: BI, PD, Med Pay, UM, PIP, T&L, and RR
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