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Not all Insurance Policies are the same.
Here are some examples of some types of policies available for you.
Note that the limits on some items and coverages are different. Let us help
you understand what type of coverage options are available.
Here are some key features of Home Owners Coverage.
This is a brief description only. Please review your policy for details of
your coverage.
Please note the difference between these four
policies. For example, Note the jewelry * coverage amounts. Educate yourself!
| Homeowners Coverage |
Policy A |
Policy B |
Policy C |
Policy D |
| Dwelling RCV |
Yes |
Yes |
Yes |
Yes (if insured
to value |
| Contents RCV |
Yes |
Yes |
Optional |
By endorsement |
| Blanket Property Limit |
Yes |
Yes |
Yes |
Not available |
| Contents extended perils |
Yes |
Optional |
Optional |
By endorsement |
| Jewelry and Furs * |
$10,000 |
$5,000 |
$2,500 |
$1,000 |
| Silverware |
$10,000 |
$5,000 |
$2,500 |
$2,500 |
| Money & Coins |
$1,000 |
$500 |
$200 |
$200 |
Business Property
on premises |
$10,000 |
$5,000 |
$2,500 |
$2,500 |
Business Property
off premises |
$5,000 |
$2,500 |
$1,250 |
$250 |
| Firearms |
$5,000 |
$2,500 |
$2,000 |
$2,000 |
| Valuable Papers & Stamps |
$5,000 |
$5,000 |
$1,000 |
$1,000 |
| Boats & their trailers |
$2,000 |
$1,000 |
$1,000 |
$1,000 |
| Other trailers |
$3,000 |
$1,000 |
$1,000 |
$1,000 |
| Grave markets |
Included |
Included |
Included |
Included |
Trading cards
($250per card) |
$2,500 |
$2,500 |
$1,000 |
Should be
separately
purchased |
| Mortgage Extra Expenses |
$20,000 |
$20,000 |
No |
No |
| Lock Replacement |
$500 |
$500 |
$500 |
No |
| Debris Removal |
Reasonable expenses |
Reasonable expenses |
Reasonable expenses |
Reasonable expenses
(with limit of insurance + 5%) |
| Temporary repairs |
Reasonable cost |
Reasonable cost |
Reasonable cost |
Reasonable cost |
| Building Ordinance |
Up to 5% above
policy limit |
Up to 5% above
policy limit |
Optional |
10% of Coverage
A |
| Home PC's |
Extended perils
unltd coverage $5,000 data creation |
Extended perils
$10,000 coverage $1,000 data recreation |
Named perils,
coverage up to aggregate policy limit - optional risks of physical loss
coverage same as Deluxe |
Should be
separately scheduled (especially if business) limited coverage $1,000
valuable papers for software |
| Arson Reward |
10% of loss to
$1,000 max |
10% of loss to
$1,000 max |
10% of loss to
$1,000 max |
None |
| Fire Dept Service Charge |
$1,000 |
$1,000 |
$1,000 |
$500 |
| Loss Assessment |
$50,000 |
$5,000 |
$1,000 |
$1,000 |
| Refrigerated Products |
$1,000 |
$500 |
$500 |
By endorsement |
| Tress & Shrubs |
10% of dwelling
RCV limit $1,000 per items |
$2,500 limit,
$500 per item |
$2,500 limit
$500 per item |
5% of dwelling,
$500 per item |
| Fine Arts Glass Breakage |
Included |
Optional |
Optional |
By endorsement |
| Credit Card Coverage |
$10,000 |
$2,500 |
$1,000 |
$500 |
| Landlord Furnishings |
$5,000 named
peril included theft |
$5,000 named
peril included theft |
$2,500 named
peril included theft |
By endorsement |
| Land Restoration |
10% of covered
loss |
7% of covered
loss |
5% of covered
loss |
Not
available |
Backup of sewers
& drains |
Included |
Optional |
Optional |
By endorsement |
| Theft of building materials |
Included |
Included |
Included |
By endorsement |
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