State’s additional coverage

State’s additional coverage refers to optional insurance protections mandated or offered by individual U.S. States beyond standard policy requirements.

States require insurers to offer coverages such as uninsured motorist protection in 22 states, including New York and Illinois, as noted by Your Insurance Info. State-mandated additional coverages often include personal injury protection (PIP) in no-fault states like Florida and Michigan.

Some states mandate medical payments coverage (MedPay), with Maine requiring at least $2,000 per person. Additional earthquake insurance is required for homeowners in California under the California Earthquake Authority program.

Flood insurance is mandatory for properties in FEMA-designated high-risk zones, enforced by state regulations in Louisiana and Texas. Certain states require insurers to provide extended replacement cost coverage on homeowner policies, notably in wildfire-prone areas of California and Colorado.

State-specific endorsements may include identity theft restoration services, which are required offerings by law in Connecticut and Maryland.