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DWELLING [not ED's perm. residence (PROPERTY EXCLUSIONS (Spec. Limits,…
DWELLING [not ED's perm. residence
INSURABLE INTERESTS
1-4 D units w/boarders
vacation Ds
Rental D
D under constructin
Mobile homes [endorsements]
Farms NOT eligible
TYPES OF PROPERTY COVERAGES
Cov. A Dwelling
[bldg. ,residence]
Cov. B Other structures
DETACHED from main dwelling/appurtenant [10% of Cov. A]
Cov. C ED's personal property
on premises [off premises up to 10% of Cov C]
Cov D Fair rental value
NOT COVERED
Animals, birds, fish, Aircraft, motor veh. boats, Accts. bills, $, debt, securties
Cov E add. living expense
[included in DP2 and DP3, can be added by endorse. to DP1
Other Automatic Coverages
[no additional premium]
FORM
DP-1
Debris
Removal
Prop. removed-
5 days
Reasonable repairs
Tenants improvements
-10% Cov C
Fire dept
$500 [no deduct]
Worldwide personal
property 10% Cov C
PERILS: BASIC
FLI
fire, lightening, intern. explosion
Extended Coverage EC
add. $ | WC SHAVVER add $$ = V&MM
FORM
DP 2 & 3
All DP1
Trees
max $500 / 5% Cov A
Collapse
by covered peril
Glass
Ordinance/Law
10% Cov A
Prop removed
30 days
DP2 PERILS: BROAD
FLI, WC SHAVVER, V&MM, BIG AFFECT
EXCLUDED
Wt. of ice [awnings, fences, patios, pools, docks, ret. walls
Accid. disch. H2O cont' leakeage
Flood
Burg. if prop. VACANT 60 conseq. days
CRACKING, BURNING, ELECTRICAL CURRENT, FIREPLACE SMOK
ENDORSEMENTS
Theft
on/off premise
Broad: owner occupied | Limited: not owner occpied
DP3 PERILS SPECIAL
EXCLUDED
Intentional
theft
freezing plumb: unattended, not cared for
wear & tear
foundations
Broad perils
Open: dwelling & other struct.
CRACKING, BURNING, ELECTRICAL CURRENT, FIREPLACE SMOK
Replacement Cost Coverage
MUST 80% or full coverage
Replacement
for Dwelling DP2 & DP3
ACV
Pers. Prop.
DWELLING
GEN. EXCLUSIONS
ORDINANCE LAW
EARTHQUAKE
FLOOD
WAR
NUCLEAR
INTENT.
GOV. SEIZ.
CONDITIONS
loss settlement
prop. losses valued at ACV, but not exceed amt. to repair/replace.
DP1
-
ACV
: Dwelling, Other Structures
ACV
: Personal Property
DP2&3
-
REPLACEMENT
: Dwelling, Other Structures (80% COV)
ACV
: Personal Property
Cov L: Personal Liability
Pol. Lim. 100K
at fault
BI to others
PD to others
On/Off Premises
COV M: Med. Pymts to others
lim. 1K/person
Med & Bills to others
No fault
3 years
On/Off Premises
BAILED
additional cov. at no additional cost
B
onds
A
id
I
nterest
L
oss earnings
E
xpenses
D
efense
L & M Exclusions
War
intended loss
bus. pursuits failure prof. services
sex molest., corp. mental punish, abuse,
drugs
rental premises not eligible for cov
watercraft, aircraft, vehicles: ownership, maintenance, use, loading, unloading
L Exclusions
insured prop. damage
damage to prop. rented to ED, occupied by or in the care of ED [unless fire, smoke, explosion
Work. Comp
accus. as member of assoc. | corp. | prop. owners community
injury to ED/relative/household member
M Bod. Injury Exclusions
Residence employee off ED's location/not course of wk
Nuc. hazard
Any person residing in EDs location
PROPERTY EXCLUSIONS
ANIMALS
CCards
Property in mail
aircraft
other insurance
tenant property
business property
property in custody of others
motor. vehicles [unless disable]
Spec. Limits
$200 money, coins, metals | $1500 manuscripts, paper property, watercraft, trailers, jewelry | $2500 guns, silver, gold, pewter
other ENDORSEMENTS
Automatic annual +
4%, 6%, 8% Cov A & B
under constructions
= named insured must be intended occupant
mobile homes-
perm. foundation