Home & Garden

Eligible Operations

  • Alarm or Fire System Installation & Maintenance
  • AV Installation
  • Car AV Installation
  • Carpet Cleaners
  • Furniture Assembly
  • Gutter Cleaning
  • Handyperson
  • Housekeepers
  • Interior Decorating
  • Interior Painting
  • Invisible Fence® Installation
  • Janitorial Services
  • Landscaping
  • Lawn & Yard Maintenance
  • Lighting Installation
  • Locksmiths
  • Piano Tuning
  • Pressure Washing
  • Smart Home Installation
  • Surveillance System Installation & Maintenance
  • Swimming Pool Service
  • Tiling
  • Upholstering
  • Window Cleaning

Ineligible Operations

  • Alarm system monitoring
  • Assembly of Cribs or Bunk Beds
  • Fire or Water Mitigation or Restoration
  • Foundation Repair
  • Grading or Excavating
  • Growing, Cultivating, Storing, Selling or Distributing Marijuana Or Marijuana Products
  • Pool Construction
  • Roofing Involving Hot Tar or Membrane Work


Add-ons must be individually added to a policy.

Appliance installation

Chimney cleaning
Performing work over three stories in height.
Concrete construction
Foundation repair.
HVAC work

LPG (propane) connections.
Snow / ice removal
Snow / Ice removal including commercial property or multi-unit residential.
Floor waxing
Floor waxing operations including commercial buildings with heavy foot traffic (e.g. malls, grocery / convenience stores, hospitals, airports).
Pest Control
Termite or bed beg remediation.
Operations including E.I.F.S. (synthetic stucco).
New Home Building
Work on 10 or more homes or units in any one project or development.
Exterior Painting
Performing work over three stories in height.