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House owners' Policy (Underwriting Considerations for House owner'…
House owners' Policy
Intro
ii. Basic Fire Policy
iii. House Owner Policy
i. Householder Policy
House owner's insurance
Section I: Loss or Damage to the building
All domestic offices, stables
Garage & Outbuilding on the same premises
Fixtures & Fitting
Wall, gates & fence around premises
Section III: Other Contingencies
A) Rent Insurance
B) Liability to the Public
Liability as owner of the insured building
Liability as an occupier in respect of accidents (occur in or about the private dwelling house)
General Exeception
General Exception 1 (Excluded Perils)
Any act of terrorism
war
riot, military
General Exception 2 (Excluded Risks)
Cessation of work
Nuclear weapons materials
Radiation
Property by its own fermentation, natural heating or spontaneous combustion
General Exception 3 (Consequential loss)
Section III (Rent insurance)
Loss of rent
additional expenses necessarily insured (hotel, lodging house or boarding house)
Underwriting Considerations for House owner's Insurance
Personal Characteristic
Credit Score
Claim History
Amount of coverage
Residence charateristics
location
Occupancy
Conditions, materials & age of the home