PROPERTY INSURANCE
Dwelling
Your home plus any attached structures (ex: garage or carport).What
is normally considered part of your dwelling: your house, attached
garage, built-in appliances, attached decks, wall-to-wall carpeting,
and attached sheds.
Other
Structures
Structures on your residence property not attached to your dwelling.
What is considered an other structure: detached garages, gazebos,
detached decks, greenhouses, driveways, docks, detached sheds, animal
enclosures, fences, and in-ground swimming pools.
Personal
Property
Household contents and other personal belongings used, owned, worn
or carried by you or your family -- whether they are at home or
anywhere else in the world.
Loss
of Use
Reimbursement for any increase in expenses over and above your usual
expenses, so that your household can maintain its usual standard
of living, until you move back into your home after a covered loss
which makes your house unfit to live in.
Loss
of Rents
Reimbursement for loss of rents to you due to damage or destruction
from a covered loss which make the rental unit unfit to live in
by your tenant.
Liability
Pays for damage or injury you accidentally cause to others for which
you are legally responsible for paying.
Medical
Payments to Others
Injury to others on your property including medical, surgical, x-ray,
dental, ambulance, hospital and even funeral expenses.
Personal
Injury
Covers you against responsibility for personal injury to others
for false arrest, libel, slander, and invasion of privacy. Also
includes detention, imprisonment or malicious prosecution, defamation
of character, wrongful eviction and wrongful entry.
Replacement
Cost
Reimburses for the current cost to replace or repair lost or damaged
property.
Actual
Cash Value
The balance after a deduction for depreciation (wear and tear) is
taken from the replacement value.
Exclusions
to most House and Other Structure insurance policies:
- Neglect
- Wear and
Tear
- Collapse
- Earthquake
- Flood
- Constant
or Repeated Seepage of Water
- Insects,
Vermin, Rodents
- Power Failure
off Premises
- Smoke (not
sudden and accidental)
- Illegal
Acts
- Nuclear
Reaction
- War
Terms and conditions
of coverage are subject to individual policy contracts and include
state and country limitations, policy limits, deductibles, and exclusions
set forth by that contract.
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