Dwelling

Question 1

DP -1 Basic Form

Included

Answer 1

Included:
Fire
Lightning
Internal Explosion

Question 2

DP-2 Broad

Answer 2

In addition to DP-1
Lawns / Shrubs
Glass Breakage
Collapse

Question 3

DP-3 Special

Answer 3

Open Peril

Question 4

Coverage A - Dwelling

Answer 4

Includes:
Attached Structures
Materials/supplies for alteration of dwelling
Building Equipment

Not Included:
The Land

Question 5

Coverage B

Answer 5

Includes:
Other Structures (Detached)
Other Structures rented to anyone other than a tenant
Structures used solely for storing commercial/farming/manufacturing

Question 6

Coverage C - Personal Property

Answer 6

Includes:
Personal stuff
- row boats / conoes

Doesn't Include:
Coins/Gold Etc
Animals
Aircraft
Watercraft
Data
Credit cards etc.
graveMarkers

Question 7

Coverage D - Fair Rental Value

Answer 7

Fair Rental Value applies if property under Coverage A, B, or C becomes damaged or destroyed by a peril covered in the policy.

pays fair rental value if property is not rentable anymore

Question 8

Coverage E - Additional Living Expense

Answer 8

Only on Broad or Special Dwelling coverages

pays for the increase in normal living expenses the insured incurs while the described premises are unfit for normal use

Question 9

Other Coverages

Answer 9

Debris Removal

Worldwide Coverages - Covers 10% personal property limit away from premises