|
| Personal Lines |
Available Homeowner Coverages
|
 |
| Minimum Value |
$25,000 |
$25,000 |
$75,000 |
| Maximum Value |
$250,000 |
$250,000 |
$250,000 |
| COVERAGE |
TP1/DP1 |
HO-A |
HO-B |
| Dwelling |
ACV |
ACV |
ACV or RC |
| Contents |
ACV |
ACV |
ACV or RC |
| Contents Limit (up to) |
40% value |
40% value |
50% value |
| Off Prem |
0 |
10% |
10% |
| Add Structure |
0 |
10% |
10% |
| Burglary Limit |
0 |
10% of
contents limit |
10% of
contents limit |
| A.L.E. |
0 |
10% |
10% |
| Money |
0 |
$0 |
$0 |
| Securities |
0 |
$0 |
$0 |
| Watercraft |
0 |
$0 |
$0 |
| Boat Trailer |
0 |
$0 |
$0 |
| Jewerly, Watch, Fur |
0 |
$500, No AP
Higher available |
$500, No AP
Higher available |
| Guns |
0 |
$0 |
$0 |
| Business Prop |
No |
No |
No |
| Liability Coverage Included |
No |
Yes |
Yes |
| PERILS INSURED |
| Fire and Lightening |
Yes |
Yes |
Yes |
| Wind and Hail |
Yes |
Yes |
Yes |
| Explosion |
Yes |
Yes |
Yes |
| Riot/CVL Como |
Yes |
Yes |
Yes |
| Aircraft |
Yes |
Yes |
Yes |
| Vehicles |
Yes |
Yes |
Yes |
| Smoke |
Yes |
Yes |
Yes |
| VMM |
Yes |
Yes |
Yes |
| Theft |
No |
No |
No |
| Burglary |
No |
Yes |
Yes |
| Volcanic Eruption |
No |
No |
No |
| Falling Object |
No |
Yes |
Yes |
| Weight of Ice |
No |
No |
Yes |
| Water Damage |
Up to $5000
special prg only |
Up to $5000
special prg only |
Yes |
| Cracking |
No |
No |
Yes |
| Freezing |
No |
No |
Yes |
| Electrical Current |
No |
No |
Yes |
| Debris Removal |
No |
Yes |
Yes |
| Trees and Shrubs |
No |
5% |
5% |
| Forgery, Credit Card |
$0 |
$0 |
$0 |
| EXCLUSIONS |
| Collapse |
Yes |
Yes |
Yes |
| Ordinance of Law |
Yes |
Yes |
Yes |
| Earth Movement |
Yes |
Yes |
Yes |
| Flood |
Yes |
Yes |
Yes |
| Power Failure |
Yes |
Yes |
Yes |
| Neglect |
Yes |
Yes |
Yes |
| War |
Yes |
Yes |
Yes |
|
 |
|
