Section I – Property Coverages

Coverage A – Dwelling

    1. We cover:
      1. The dwelling on the residence premises shown in the Declarations, including structures attached to the dwelling;
      2. Materials and supplies located on or next to the residence premises used to construct, alter or repair the dwelling or other structures on the residence premises.
    2. We do not cover:
      1. Land, including land on which the dwelling is located.

 

Coverage B – Other Structures

  1. We cover:
    1. Other structures on the residence premises set apart from the dwelling by clear space. This includes structures connected to the dwelling by only a fence, utility line, or similar connection.
  2. We do not cover:
    1. Land, including land on which the other structures are located;
    2. Other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage;
    3. Other structures from which any business is conducted; or
    4. Other structures used to store business property. However, we do cover a structure that contains business property solely owned by an insured or a tenant of the dwelling, provided that business property does not include gaseous or liquid fuel, other than fuel in a permanently installed fuel tank of a vehicle or craft parked or stored in the structure.

    The limit of liability for this coverage will not be more than 10% of the limit of liability that applies to Coverage A. Use of this coverage does not reduce the Coverage A limit of liability.

 

Coverage C – Personal Property

  1. Covered Property:
    We cover personal property owned or used by an insured while it is anywhere in the world. After a loss and at your request, we will cover personal property owned by:

    1. Others while the property is on the part of the residence premises occupied by an insured;
    2. A guest or a residence employee, while the property is in any residence occupied by an insured.
  2. Limit For Property At Other Locations
    1. Other Residences
      Our limit of liability for personal property usually located at an insured’s residence, other than the residence premises, is 10% of the limit of liability for Coverage C, or $1,000, whichever is greater. However, this limitation does not apply to personal property:

      1. Moved from the residence premises because it is:
        1. Being repaired, renovated or rebuilt; and
        2. Not fit to live in or store property in; or
      2. In a newly acquired principal residence for 30 days from the time you begin to move the property there.
    2. Self-storage Facilities
      Our limit of liability for personal property owned or used by an insured and located in a self-storage facility is 10% of the limit of liability for Coverage C, or $1,000, whichever is greater. However, this limitation does not apply to personal property:

      1. Moved from the residence premises because it is:
        1. Being repaired, renovated or rebuilt;
        2. Not fit to live in or store property in;
      2. Usually located in an insured’s residence, other than the residence premises.
  3. Special Limits of Liability
    The special limit for each category shown below is the total limit for each loss for all property in that category. These special limits do not increase the Coverage C limit of liability.

    1. $200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum other than platinumware, coins, medals, scrip, stored value cards and smart cards.
    2. $1,500 on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps. This dollar limit applies to these categories regardless of the medium (such as paper or computer software) on which the material exists.
    3. This limit includes the cost to research, replace or restore the information from the lost or damaged material.
    4. $1,500 on trailers or semitrailers not used with watercraft of all types.
    5. $1,500 for loss by theft of jewelry, watches, furs, precious and semiprecious stones.
    6. $2,500 for loss by theft of firearms and related equipment.
    7. $2,500 for loss by theft of silveware, silver-plated ware, goldware, gold-plated ware, platinumware, platinum-plated ware and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter.
    8. $2,500 on property, on the residence premises, used primarily for business purposes.
    9. $1,500 on property, away from the residence premises, used primarily for business purposes. However, this limit does not apply to antennas, tapes, wires, records, disks or other media that are:
      1. Used with electronic equipment that reproduces, recieves or transmits audio, visual or data signals;
      2. In or upon a motor vehicle.
    10. $1,500 on portable electronic equipment that:
      1. Reproduces, receives or transmits audio, visual or data signals;
      2. Is designed to be operated by more than one power source, one of which is a motor vehicle’s electrical system;
      3. Is in or upon a motor vehicle.
    11. $250 for antennas, tapes, wires, records, disks or other media that are:
      1. Used with electronic equipment that reproduces, receives or transmits audio, visual or data signals;
      2. In or upon a motor vehicle.
  4. Property Not Covered
    We do not cover:

    1. Articles separately described and specifically insured, regardless of the limit for which they are insured, in this or other insurance;
    2. Animals, birds, or fish;
    3. Motor vehicles.
      This includes a motor vehicle’s equipment and parts. However this paragraph does not apply to:

      1. Portable electronic equipment that:
        1. Reproduces, receives or transmits audio, visual or data signals;
        2. Is designed so that it may be operated from a power source other than a motor vehicle’s electrical system.
      2. Motor vehicles not required to be registered for use on public roads or property which are:
        1. Used solely to service a residence;
        2. Designed to assist the handicapped;
    4. Aircraft meaning any contrivance used or designed for flight, including any parts whether or not attached to the aircraft;
      We do cover model or hobby aircraft not used or designed to carry people or cargo;
    5. Hovercraft and parts. Hovercraft means a self-propelled motorized ground effect vehicle and includes, but is not limited to, flarecraft and air cushion vehicles;
    6. Property of roomers, boarders and other tenants, except property of roomers and boarders related to an insured;
    7. Property in an apartment regularly rented or held for rental to others by an insured, except as provided in E.10. Landlord’s Furnishings under Section I – Property Coverages;
    8. Property rented or held for rental to others off the residence premises;
    9. Business data, including such data stored in:
      1. Books of account, drawings or other paper records;
      2. Computers and related equipment.
        We do cover the cost of blank recording or storage media, and of prerecorded computer programs available on the retail market;
    10. Credit cards, electronic fund transfer cards or access devices used solely for deposit, withdrawal or transfer of funds except as provided in E.6. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money under Section I – Property Coverages;
    11. Water or steam.

 

Coverage D – Loss of Use
The limit of liability for Coverage D is the total limit for the coverages in 1. Additional Living Expense, 2. Fair Rental Value and 3. Civil Authority Prohibits Use below.

  1. Additional Living Expense
    1. If a loss covered under Section I makes that part of the residence premises where you reside not fit to live in, we cover any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living.
    2. Payment will be for the shortest time required to repair or replace the damage or, if you permanently relocate, the shortest time required for your household to settle elsewhere.
  2. Fair Rental Value
    1. If a loss covered under Section I makes that part of the residence premises rented to others or held for rental by you not fit to live in, we cover the fair rental value of such premises less any expenses that do not continue while it is not fit to live in.
    2. Payment will be for the shortest time required to repair or replace that part of the premises.
  3. Civil Authority Prohibits Use
    1. If a civil authority prohibits you from use of the residence premises as a result of direct damage to neighboring premises by a Peril Insured Against, we cover the loss as provided in 1. Additional Living Expense and 2. Fair Rental Value above for no more than two weeks.
  4. Loss or Expense Not Covered
    1. We do not cover loss or expense due to cancellation of a lease or agreement.
    2. The periods of time under 1. Additional Living Expense, 2. Fair Rental Value and 3. Civil Authority Prohibits Use above are not limited by expiration of this policy.

 

E. Additional Coverages

  1. Debris Removal
    1. We will pay your reasonable expense for the removal of:
      1. Debris of covered property if a Peril Insured Against that applies to the damaged property causes the loss;
      2. Ash, dust or particles from a volcanic eruption that has caused direct loss to a building or property contained in a building.

      This expense is included in the limit of liability that applies to the damaged property. If the amount to be paid for the actual damage to the property plus the debris removal expense is more than the limit of liability for the damaged property, an additional 5% of that limit is available for such expense.

    2. We will also pay your reasonable expense, up to $1,000, for the removal from the residence premises of:
        1. Your trees fell by the peril of a wind storm, hail, weight of ice, snow or sleep;
        2. A neighbor’s trees fell by a Peril Insured Against under Coverage C; provided the trees:
        3. Damage a covered structure;
        4. Do not damage a covered structure but:
          1. Block a driveway on the residence premises which prevent a motor vehicle, that is registered for use on public roads or property, from entering or leaving the residence premises; or
          2. Block a ramp or other fixture designed to assist a handicapped person to enter or leave the dwelling building.

      The $1,000 limit is the most we will pay in any one loss, regardless of the number of fallen trees. No more than $500 of this limit will be paid for the removal of any one tree. This coverage is additional insurance.

  2. Reasonable Repairs
    1. We will pay the reasonable cost incurred by you for the necessary measures taken solely to protect covered property that is damaged by a Peril Insured Against from further damage.
    2. If the measures taken involve repair to other damaged property, we will only pay if that property is covered under this policy and the damage is caused by a Peril Insured Against. This coverage does not:
      1. Increase the limit of liability that applies to the covered property;
      2. Relieve you of your duties, in case of a loss to covered property, described in C.4. under Section I – Conditions.
  3. Trees, Shrubs and Other Plants
    We cover trees, shrubs, plants or lawns, on the residence premises, for loss caused by the following Perils Insured Against:

    1. Fire or Lightning;
    2. Explosion;
    3. Riot or Civil Commotion;
    4. Aircraft;
    5. Vehicles not owned or operated by a resident of the residence premises;
    6. Vandalism or Malicious Mischief; or
    7. Theft.

    We will pay up to 5% of the limit of liability that applies to the dwelling for all trees, shrubs, plants or lawns. No more than $500 of this limit will be paid for any one tree, shrub or plant. We do not cover property grown for business purposes.
    This coverage is additional insurance.

  4. Fire Department Service Charge
    We will pay up to $500 for your liability assumed by contract or agreement for fire department charges incurred when the fire department is called to save or protect covered property from a Peril Insured Against. We do not cover fire department service charges if the property is located within the limits of the city, municipality or protection district furnishing the fire department response.
    This coverage is additional insurance. No deductible applies to this coverage.
  5. Property Remove
    We insure covered property against direct loss from any cause while being removed from a premises endangered by a Peril Insured Against and for no more than 30 days while removed.
    This coverage does not change the limit of liability that applies to the property being removed.
  6. Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money
    1. We will pay up to $500 for:
      1. The legal obligation of an insured to pay because of the theft or unauthorized use of credit cards issued to or registered in an insured’s name;
      2. Loss resulting from theft or unauthorized use of an electronic fund transfer card or access device used for deposit, withdrawal or transfer of funds, issued to or registered in an insured’s name;
      3. Loss to an insured caused by forgery or alteration of any check or negotiable instrument; and
      4. Loss to an insured through acceptance in good faith of counterfeit United States or Canadian paper currency.

      All loss resulting from a series of acts committed by any one person or in which any one person is concerned or implicated is considered to be one loss.
      This coverage is additional insurance. No deductible applies to this coverage.

    2. We do not cover:
      Use of a credit card, electronic fund transfer card or access device:

      1. By a resident of your household;
      2. By a person who has been entrusted with either type of card or access device; or
      3. If an insured has not complied with all terms and conditions under which the cards are issued or the devices accessed; or
      4. Loss arising out of business use or dishonesty of an insured.
    3. If the coverage in a. above applies, the following defense provisions also apply:
      We may investigate and settle any claim or suit that we decide is appropriate. Our duty to defend a claim or suit ends when the amount we pay for the loss equals our limit of liability. If a suit is brought against an insured for liability under a.(1) or (2) above, we will provide a defense at our expense by counsel of our choice. We have the option to defend at our expense an insured or an insured’s bank against any suit for the enforcement of payment under a.(3) above.
  7. Loss Assessment
    1. We will pay up to $1,000 for your share of loss assessment charged during the policy period against you, as owner or tenant of the residence premises, by a corporation or association of property owners. The assessment must be made as a result of direct loss to property, owned by all members collectively, of the type that would be covered by this policy if owned by you, caused by a Peril Insured Against under Coverage A, other than: Earthquake; or Land shock waves or tremors before, during or after a volcanic eruption.The limit of $1,000 is the most we will pay with respect to any one loss, regardless of the number of assessments. We will only apply one deductible, per unit, to the total amount of any one loss to the property described above, regardless of the number of assessments.
    2. We do not cover assessments charged against you or a corporation or association of property owners by any governmental body.
    3. Paragraph Q. Policy Period under Section I – Conditions does not apply to this coverage.
      This coverage is additional insurance.
  8. Collapse
    1. The coverage provided under this Additional Coverage – Collapse applies only to an abrupt collapse.
    2. For the purpose of this Additional Coverage – Collapse, abrupt collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose.
    3. This Additional Coverage – Collapse does not apply to:
      1. A building or any part of a building that is in danger of falling down or caving in;
      2. A part of a building that is standing, even if it has separated from another part of the building; or
      3. A building or any part of a building that is standing, even if it shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion.
    4. We insure for direct physical loss to covered property involving abrupt collapse of a building or any part of a building if such collapse was caused by one or more of the following:
      1. The Perils Insured Against named under Coverage C;
      2. Decay, of a building or any part of a building, that is hidden from view, unless the presence of such decay is known to an insured prior to collapse;
      3. Insect or vermin damage, to a building or any part of a building, that is hidden from view, unless the presence of such damage is known to an insured prior to collapse;
      4. Weight of contents, equipment, animals or people;
      5. Weight of rain which collects on a roof; or
      6. Use of defective material or methods in construction, remodeling or renovation if the collapse occurs during the course of the construction, remodeling or renovation.
    5. Loss to an awning, fence, patio, deck, pavement, swimming pool, underground pipe, flue, drain, cesspool, septic tank, foundation, retaining wall, bulkhead, pier, wharf or dock is not included under d.(2) through (6) above, unless the loss is a direct result of the collapse of a building or any part of a building.
    6. This coverage does not increase the limit of liability that applies to the damaged covered property.
  9. Glass or Safety Glazing Material
    1. We cover:
      1. The breakage of glass or safety glazing material which is part of a covered building, storm door or storm window;
      2. The breakage of glass or safety glazing material which is part of a covered building, storm door or storm window when caused directly by earth movement; and
      3. The direct physical loss to covered property caused solely by the pieces, fragments or splinters of broken glass or safety glazing material which is part of a building, storm door or storm window.
    2. This coverage does not include loss:
      1. To covered property which results because the glass or safety glazing material has been broken, except as provided in a.(3) above; or
      2. On the residence premises if the dwelling has been vacant for more than 60 consecutive days immediately before the loss, except when the breakage results directly from earth movement as provided in a.(2) above. A dwelling being constructed is not considered vacant.
    3. This coverage does not increase the limit of liability that applies to the damaged property.
  10. Landlord’s Furnishings
    We will pay up to $2,500 for your appliances, carpeting and other household furnishings, in each apartment on the residence premises regularly rented or held for rental to others by an insured, for loss caused by a Peril Insured Against in Coverage C, other than Theft. This limit is the most we will pay in any one loss regardless of the number of appliances, carpeting or other household furnishings involved in the loss. This coverage does not increase the limit of liability applying to the damaged property.
  11. Ordinance or Law
    1. You may use up to 10% of the limit of liability that applies to Coverage A for the increased costs you incur due to the enforcement of any ordinance or law which requires or regulates:
      1. The construction, demolition, remodeling, renovation or repair of that part of a covered building or other structure damaged by a Peril Insured Against;
      2. The demolition and reconstruction of the undamaged part of a covered building or other structure, when that building or other structure must be totally demolished because of damage by a Peril Insured Against to another part of that covered building or other structure; or
      3. The remodeling, removal or replacement of the portion of the undamaged part of a covered building or other structure necessary to complete the remodeling, repair or replacement of that part of the covered building or other structure damaged by a Peril Insured Against.
    2. You may use all or part of this ordinance or law coverage to pay for the increased costs you incur to remove debris resulting from the construction, demolition, remodeling, renovation, repair or replacement of property as stated in a. above.
    3. We do not cover:
      1. The loss in value to any covered building or other structure due to the requirements of any ordinance or law;
      2. The costs to comply with any ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, pollutants in or on any covered building or other structure. Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

    This coverage is additional insurance.

  12. Grave Markers
    We will pay up to $5,000 for grave markers, including mausoleums, on or away from the residence premises for loss caused by a Peril Insured Against under Coverage C.
    This coverage does not increase the limits of liability that apply to the damaged covered property.