1. A computer system, the system comprising: a web site computer system comprising one or more processors, a memory coupled to the one or more processors, and one or more programs stored in the memory and configured to be executed by the one or more processors, the one or more programs comprising a web application module employing a server-side scripting language to generate web pages and a hypertext transfer protocol server module communicating web pages generated by the web application module and related data with client devices, the web application module and the hypertext transfer protocol server module, the instructions causing the one or more processors to perform the steps of: generating for display on and communicating to a client device a web document, to cause the client device to execute a browser module to display the web document comprising an enhanced coverage option selection screen area displaying a plurality of user-selectable enhanced coverage options corresponding to at least a first tier and a second tier of enhanced coverage option selections, selectable to transmit a selection to the web site computer system; receiving data indicative of an enhanced coverage option selection input via the web document from the graphical user interface; causing the browser module to, in a separate non-overlapping enhanced coverage example screen area, cause a sub-module to display on the client device, responsive to user selection of the first tier of enhanced coverage option selections, a plurality of alternating images including an image of a damaged property and an image of the damaged property after repair and upgrade according to universal design principles in accordance with the first tier of enhanced coverage, and responsive to user selection of the second tier of enhanced coverage option selections a plurality of alternating images including an image of a damaged property and an image of the damaged property after repair and upgrade according to universal design principles in accordance with the second tier of enhanced coverage, on a graphical user interface, the first tier enhanced coverage option and the second tier enhanced coverage option each providing, responsive to a loss covered under the base homeowners insurance policy, the loss affecting a room of the home covered under the base homeowners insurance policy, upgrade coverage based on universal design principles for the affected room, the upgrade coverage providing one or more improvements to the affected room, the one or more improvements being in accordance with universal design principles; outputting data indicative of the enhanced coverage option selection to a network; receiving, via the network, responsive to the outputting of the data indicative of the enhanced coverage option selection, data indicative of a determined premium; and generating a web document incorporating the determined premium and a link to initiate payment of the determined premium, and communicating the web document to the client device for display; and an insurance data system comprising a premium calculation module comprising one or more processors, a memory in communication with the processors and storing processor-executable instructions, which cause the one or more processors to perform the steps of: receiving from the web site system data indicative of the enhanced coverage option selection; storing the enhanced coverage option selection in a storage device; determining a premium for the enhanced coverage option selection; and communicating, via a communications network, the determined premium for the enhanced coverage option selection to the web site system for generating a web document incorporating the determined premium; whereby an approved claim under a policy associated with the determined premium results in an output message providing for one or more improvements to the affected room in accordance with universal design principles.