Dwelling And Casualty

Front 1

Dwelling Policy is a

Back 1

Mono line policy

Front 2

No liability coverage with a

Back 2

Mono line policy

Front 3

A fire dwelling policy is a

Back 3

Mono line policy

Front 4

3 distinct forms in the Dwelling Program

Back 4

DP-1 Basic Form

DP-2 Broad Form

DP-3 Special Form

Front 5

DP-1 Basic Form

Back 5

Provides the least protection

Covers 11 named perils

Front 6

DP-1 Basic Form

Back 6

any covered loss is indemnified on a actual cash value

Front 7

DP-2 Broad Form

Back 7

better coverage than DP-1

List more perils and expands the coverage

Front 8

DP-2 Broad Form

Back 8

Designed to give replacement cost settlement on buildings

Still indemnified on Actual Cash Value

Front 9

DP-3 Special Form

Back 9

Give the best coverage of all 3

Provides all risk (open peril)

Front 10

Coverage A includes

Back 10

Dwelling

Anything permanently attached to the dwelling

(Garage, in addition any material used to remodel

Front 11

Coverage B Other Structures

Back 11

Permanent yard fixtures from the dwelling by a clear space

Detached Garage, Fence or In-ground pool

Front 12

Blanket Coverage

Back 12

All 3 forms extend 10% of the dwelling limit

Front 13

Private Structures are covered under?

Back 13

Coverage B

Commercial or Farm related materials are not

Front 14

D-P1 vs. D-P2 and D-P3

Back 14

10% extension is not a true additional coverage in DP-1

Means it comes off of the dwelling amount

Front 15

Property Coverage C

Back 15

Contents

Tools, Furniture, Clothing or Appliances

Front 16

No automatic contents coverage

Back 16

Must be applied for and a premium paid

A limit for contents is applied for and that limit is placed on the Dec page and identified as coverage C

Front 17

Dwelling Policies

Back 17

Can be purchased by landlords

Most rent the dwelling and supply appliances

Landlord needs to purchase contents coverage

Front 18

Contents NOT covered with Coverage C

Back 18

Money

Automobiles

Animals

Birds

Fish

Front 19

All 3 forms offer what?

Back 19

10% of the coverage C limit for possessions of premises anywhere in the world

Front 20

All 3 forms indemnify Coverage C Losses on

Back 20

Am actual cash value

Front 21

Property Coverage D

Back 21

Fair Rental Value

Indirect Loss

Front 22

General Peril Exclusions (All 3 forms)

Back 22

Ordinance and law

Earthquake

Water Damage (flooding sewage backup)

Off premise power failure

Neglect

War

Nuclear

Intentional Loss

Front 23

4 of the eight excluded perils can be covered by endorsement

Back 23

Ordinance and Law

Earthquake

Sere backup (not flooding)

Off-premises power failure

Front 24

Dwelling Policies have a deductible

Back 24

Often $500 per occurrence or more

It will apply to each and every claim

Deductible clause is found on the Dec page

Front 25

DP-1 forms only 11 perils

REV FL SHAW

Back 25

Riot

Explosion

Vandalism, vehicle, volcano

Fire

Lightning

Smoke

Hail

Aircraft

Wind

Front 26

Vandalism or Malicious Mischief

Back 26

Is optional it must be endorsed at an extra

premium

Does not cover glass loss

Front 27

Explosions does not include

Back 27

Boiler Explosion

Front 28

DP-2 Broad Form include REV FL SHAW and

Back 28

Weight of ice and snow

Water damage (from a plumbing fixture)

Falling Objects

Freezing of Plumbing

Front 29

REV FL SHAW + WWFF

Back 29

Riot

Earthquake

Vandalism

Fire

Lightning

Smoke

Hail

Aircraft

Wind

Weight of Ice

Water Damage (plumbing fixture)

Falling Objects

Freezing of Plumbing

Front 30

DP-1 Vandalism is only

Back 30

Optional

Automatically covered in DP-2 and DP-3

Front 31

DP-3 provides

Back 31

Open peril coverage (all-risk)

Front 32

DP-3 additional exclusions

Back 32

Wear and tear

Deterioration

Rust

Dry Rot

Industrial Smoke

Pollutants

Mold

Domestic Animals

Vermin

Front 33

DP-2 and DP-3 provide true

Back 33

Replacement Cost

Front 34

Coverage B-D-E include 4 additional coverage's

Back 34

Debris Removal

Fire department service charge

Reasonable Repairs

Removal to protect

Front 35

DP-2 and DP-3 additional coverage not found

in DP-1

Back 35

Collapse

Glass Breakage

Ordinance and Law

Trees shrubs and plants

Front 36

Broad Form Theft Endorsement

Back 36

covers insured contents both on and off the premises

Front 37

Limited Theft Endorsement

Back 37

covers contents only at the insured premises

Front 38

Comprehensive Personal Liability

Back 38

Can be added by endorsement for an additional premium

Provides coverage to the insured for activated/events both on and off premises

Front 39

Premises Liability

Back 39

limited to situations occurring on the premises only

Front 40

Replacement Cost on Contents

Back 40

the insured gets all brand new stuff, no allowance for depreciation

Usually offered on DP-2 and DP-3

Front 41

Business Use Exclusion

Back 41

Any business use in a detached structure VOIDS coverage for the structure

Front 42

Named Insured Contents reminder

Back 42

if contents are chosen only the names insured's possessions at the dwelling are covered

Since policy will most likely be landlord it does not cover the tenants stuff

Front 43

Dwelling is A La Cart

Back 43

Have to buy the coverage separately

Front 44

DP-1 Coverage

Back 44

Basic and covers 11 Perils

Front 45

DP-2 Coverage

Back 45

Broad and covers 14 Perils

Front 46

Peril of Theft

Back 46

It must be endorsed

Front 47

Example of Hostile Fire

Back 47

Grease Fire in the kitchen

It escapes from its intended area

Front 48

The extension of the Coverage C limit provided for off-premises protection is

Back 48

10%

Front 49

Unendorsed dwelling policies do not cover

Back 49

Theft or personal liability

Front 50

Up to ________ families can be insured under the dwelling property program

Back 50

4 families

Front 51

On all DP policies ________ are not automatically covered and must be chosen by insured

Back 51

Contents

Front 52

On all DP policies vandalism does not cover theft or property but it does cover

Back 52

Damage to the structure caused by burglars