Homeowners Insurance

Front 1

Homeowners Insurance

Back 1

A multiline policy(package policy) that provides property and liability insurance.

Front 2

Inureds under the Homeowners policy

Back 2

Named Insured

Relatives

Under age 21 in care of insured or resident relatives.

Front 3

Section I of the homeowners policy

Back 3

provides property insurance.

Front 4

Section II of the homeowners policy

Back 4

provides liability and medical payments insurance.

Front 5

HO-2

Back 5

Broad Form, provides broad coverage for the dwelling and personal property.

Front 6

HO-3

Back 6

Special Form, provides open peril coverage for loss to the dwelling and other structures.

Front 7

HO-4

Back 7

Contents Broad Form, insures tenants. Provides broad coverage for personal property. NO coverage for the dwelling.

Front 8

HO-5

Back 8

Comprehensive Form, provides open peril coverage for both the dwelling and other structures and personal property.

Front 9

HO-6

Back 9

Unit Owners Form, provides broad coverage on the personal property of condominium owners, provides very limited dwelling coverage.

Front 10

HO-8

Back 10

Modified Coverage Form, is designed for older homes with replacement values that may far exceed their market values.

Front 11

Coverage A

Back 11

Dwelling, covers the dwelling and structures attached to the dwelling as well as materials and supplies for repair and construction of those structures id they are located on or next to the residence premises.

Front 12

Standard Coverage A Limit for HO-6 is

Back 12

$1,000

Front 13

Coverage B

Back 13

Other Structures, covers buildings on the described premises that are separated from the dwelling by a clear space.

Front 14

Coverage C

Back 14

Personal Property, covers property used or owned by an insured while it is anywhere in the world.

Front 15

Coverage D

Back 15

Loss of Use, loss of fair rental value less any expense that is not required while the premises is uninhabitable and additional living expenses.

Front 16

Debris Removal.

Back 16

Pays expenses to remove debris from covered property if a covered peril caused the loss and ash or other particles from a volcanic eruption caused direct loss to covered property.

Front 17

Reasonable Repairs

Back 17

Pays the reasonable cost incurred by the insured for repairs necessary to protect covered property from further loss after being damaged by a covered peril.

Front 18

Trees, Shrubs, and Other Plants

Back 18

Covers trees, shrubs, and plants on the residence premises for loss by fire, lightning, explosion, riot, aircraft, vehicles not owned or operated by a resident,, theft, and vandalism or malicious mischief.

Front 19

Fire Department Service Charge

Back 19

Pays up to $500 when the fire department is called to save or protect covered property from a covered peril.

Front 20

Property Removed

Back 20

Covers property against direct loss from any peril while being removed from a premises endangered by a covered peril and for up to 30 days while removed.

Front 21

Credit Card, EFT Card or Access Device, Forgery, and Counterfeit Money.

Back 21

Pays up to $500 for the insured's legal obligation to pay losses resulting from: theft or unauthorized use of these cards, forgery or alteration of the insured's checks, or the insured's acceptance in good faith of counterfeit money.

Front 22

Loss Assessment

Back 22

Pays up to $1000 for the insured's share of a loss assessment charged against the insured during the policy period, by either a corporation or association of property owners as a direct loss to the property owned by all members collectively and caused by a covered peril.

Front 23

Glass or Safety Glazing Material

Back 23

Covers the breaking of glass that is a part of a building, including windows and storm doors.

Front 24

Basic Named Perils

Back 24

Fire, Lightning, Windstorm or Hail, Explosion, Riots or Civil Commotion, Aircraft, Vehicles, Smoke, Vandalism & Malicious Mischief, Theft, and Volcanic Eruption

Front 25

Coverage E

Back 25

Personal Liability, covers damage that the insured becomes legally obligated to pay because of bodily injury or property damage caused by an occurrence to which coverage applies.

Front 26

Coverage F

Back 26

Medical Payments to Others, pays all necessary medical expenses incurred within three years of an accident that causes bodily injury.

Front 27

First Aid Expenses

Back 27

Reimburses the insured for expenses the insured incurs for the first aid to others at the time of an accident.

Front 28

Damage to Property of Others

Back 28

Pays up to $1000 per occurrence for property damaged or destroyed by the insured, without regard to legal liability.

Front 29

Section I Endorsements

Back 29

Scheduled Personal Property, Personal Property Replacement Cost, Permitted Incidental Occupancies, and Home Day Care Coverage.

Front 30

Section II Edorsements

Back 30

Watercraft, Business Pursuits, and Personal Insurance

Front 31

Watercraft

Back 31

watercraft up to 26 feet long powered by outboard engines or motors exceeding 25 horsepower

watercraft powered by inboard or inboard or inboard-outdrive engines or motors

sailboats more then 26 feet long