| A | B |
|---|
| Cover E | BI/PD to others |
| Elaborate on Cover E (4 items) | 1. Initial limit is $100k 2. coverage when the insured is liable off premises as well as incidents on the premises. 3. 100% allocation of defense 4. does not apply to resident relative, except live in employees. |
| Cover F | Medical payments |
| Elaborate on cover F (5 items) | 1. necessary midical w/n 3 yrs of incident 2. up to $1k w/increased limit options 3. counseling not covered 4. applies of: on the insured's property 5. applies to off premise caused by animal or person |
| Common Homeowner endorsements ( 1-8 of 15) | 1. Business activities (Name/specified) 2.Inflation Guard 3. Daycare Facilities 4. Replacement cost 5. workers compensation 6. Scheduled personal property 7. personal injury 8. watercraft |
| common Homewoner Edorsements 9-15) | 9. Backup of sewer/sump pump ( $250 k limit with $5K retention) 10. earthquake 11. residents insured to others 12. tenant relocation expense 13. fungi.Wet Dry rot 14. lead poisoning 15. identity fraud - $15k |
| HO-2 | Dwelling property borad form |
| Elaborate on HO-2 Dwellingty broad form Cover A-F | Cover A = $100k cover B = 10k (higher limits available) cover C = 50k cover D = 30 K cover E = 100k per person ( higher available) cover F (1k per person) |
| when is the vehicle covered? | if it is accidental |
| HO-3 | Dwelling property special form |
| Elaborate on HO-3 | open Peril on cover A and cover B . Vehicle damage covered - to dwelling and other structures even if its the insured's car. must be accidental |
| HO-4 | covers for a renters unscheduled personal property. |
| elaborate on HO-4 | Broadform, only covers personal |
| HO-5 | Comprehensive form |
| Elaborate on HO-5 | identical to HO-3 excpet that it is open peril boradest form available |
| HO-6 | Broad form peril |
| elaborate on HO-6 | Includes condo upkeep, loss assessment 25k |
| Mobile hme coferagw | amended homeowners policy, often must be tied down for coverage. |
| Elaborate on mobile home coverage | defined as portable and year round dwelling 40 X 10 feet covers transit for 30 w/n US canada. Structures not attached, not covered |
| Unscheduled Personal Propery Limits (4 items) | 1. Loss of weapons.sliverward $2500 2. Loss of furs/jewel;s/wtches/ssecurities $1500 3. money - 4200 4. Business Property at hme $500 |
