Dwelling Policy

Question 1

Coverage A

Answer 1

Dwelling

Question 2

Coverage B

Answer 2

Other structures
-10% of A

Question 3

Coverage C

Answer 3

Personal Property (MUST BUY TO ADD ON)
-50% of A (if bought)

Question 4

Coverage D

Answer 4

Fair Rental Value (missed rent)
-20% of A

Question 5

Coverage E

Answer 5

Additional Living
-Endorsement for DP-1
-automatically on DP - 2 & 3

Question 6

Tree coverage

Answer 6

-$500 for DP - 2 & 3
-no tree coverage for DP -1

Question 7

DP-1

Answer 7

Basic form (named/listed perils)

Question 8

DP-1 Perils

Answer 8

-fire
-lightning
-internal explosion

Question 9

DP-1 EC’s

Answer 9

WCSHAVVER + V&MM (you can buy on top of buying EC’s)

Question 10

WCSHAVVER

Answer 10

-wind
-civil commotion
-smoke
-hail
-aircraft
-vehicles
-volcanic eruption
-explosion
-riot

Question 11

V&MM

Answer 11

-vandalism
-malicious mischief

Question 12

DP-2

Answer 12

Broad form (named/listed perils)

Question 13

DP-2 Perils

Answer 13

All of DP-1 + BIGAFFECT

Question 14

BIGAFFECT

Answer 14

-burglary damage
-(weight of) ice, sleet, and snow
-glass breakage
-accidental discharge of water
-freezing
-falling objects
-electrical current
-collapse
-tearing asunder

Question 15

DP-2 Exclusions

Answer 15

-weight of ice snow and sleet does not cover damage to awnings, fences, pools, patios
-flooding
-burglary if place is vacant more than 60 days
-accidental discharge of water from leaking

Question 16

DP-3

Answer 16

Special form (open perils)
-everything is covered unless specifically excluded
-covers theft

Question 17

DP-3 Exclusions

Answer 17

-intentional damage
-freezing of plumbing (if unoccupied and not taken care of)
-wear and tear
-foundations

Question 18

Earthquakes

Answer 18

ALWAYS excluded from all 3 DP’s
-fire cased from earthquake is covered
-can add earthquake endorsement ($)
-1 deductible = 72 hour window

Question 19

General exclusions

Answer 19

-Ordinance or law
-Earthquake
-Flood
-Intentional losses
-Nuclear
-Government seizure