INTERNAL LIMITS FOR CERTAIN PROPERTY - - There is a $ 200 limit on money, bank notes, bullion, gold, silver, platinum, coins and medals.  A $250 LIMIT applies to property away from the premises used at any time, in any way for business.  A higher limit of $1,000 limit applies for securities, letters of credit, notes, manuscripts, deeds, accounts, stamps, passports, tickets, watercraft including trailers and furnishings.  Theft of jewelry watches and furs also has limit of $1000.  For theft of firearms there is a $2,000 limit.  Finally, a $2,500 limit applies to theft of silverware, silver-plated ware, gold ware, gold-plated ware, pewter ware including flatware, hollow-ware, tea sets, trays, and trophies made of or including silver, gold or pewter.  Theft of property from your residence used at any time or in any manner for any business purpose is limited to $ 2,500.

SOME PROPERTY NOT COVERED (Excluded) OVERAGE C-PERSONAL PROPERTY—Coverage does not apply for certain items that are specifically insured in this policy or another policy.  Animals, birds or fish, motor vehicles and motorized land conveyances (including their equipment and accessories), aircraft and parts, property of roomers, boarders or tenants, property in an apartment regularly rented to others, property rented to others off the residence premises, business data, and credit cards or fund transfer cards are also excluded from coverage. However, the policy does provide coverage for vehicles used to service the residence or that are designed for assisting the handicapped. if the Replacement Cost provision applies.

COVERAGE D-LOSS OF USE COVERAGE (Temporary Living Expense) - If a covered loss makes that part of the residence premises unfit for living, the policy provides coverage for certain increases in living expenses and, if any part of the premises is rented out; for any loss of rental income.  This would include providing you and your family with temporary living expense, such as the cost of a hotel or apartment while your home is being rebuilt.  Also the additional expense, over and above your normal living expense that is the result of the loss to your home is covered by this policy part.  An example might be dry cleaning of smoke damaged furniture or clothing cause by the loss to your home. This amount of coverage is in addition to Coverages A, B, and C.  The cost of storage of your undamaged items in your home at an off site location would also be covered by this policy part. The policy provides an additional 20% of Coverage A for Loss of Use.

ADDITIONAL COVERAGES

1. Property Removed—If covered property is being removed from a premises endangered by a covered peril, the property moved has coverage for up to thirty days.

2. Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money—$500 is available if an insured is legally obligated to pay for a theft or unauthorized use of the insured’s credit cards, fund transfer cards; or if there is a loss caused by forgery or alteration of a check or negotiable instrument, or a loss caused by the insured unknowingly accepting counterfeit U.S. or Canadian paper currency.

Coverage is excluded when the loss involves:

The Homeowners Form 4 policy covers "broad form" perils. The policy insures against direct loss to property caused by:

1. Fire or lightning
2. Windstorm or hail
3. Explosion
4. Riot or civil commotion
5. Aircraft, including self-propelled missiles and spacecraft
6. Smoke, meaning sudden and accidental damage from smoke including, for example, damage from emission through registers caused by furnace malfunction. It does not include smoke from agricultural smudging or industrial operations.
7. Vandalism or malicious mischief, excluding loss to property if the dwelling has been vacant for 30 days or more.
8. Theft, including attempted theft and loss of property from known location when it is likely that the property has been stolen.
9. Falling objects
10. Weight of ice, snow or sleet (with respect to property contained in a building)
11. Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance.
12. Sudden and accidental tearing asunder, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire protective sprinkler system, or an appliance for heating water.
13. Freezing of a plumbing, heating or air conditioning system or of a household appliance.
14. Sudden and accidental damage from artificially generated electrical current.
15. Volcanic eruption

SECTION II LIABILITY COVERAGE

PERSONAL LIABILITY COVERAGE E—The policy protects against claims or suits involving an insured for damages from bodily injury or property damage caused by an occurrence covered by this insurance. The insurer will pay up to the limit of liability for damages that the insured is legally liable, including prejudgment interest awards. The policy also provides a legal defense even if the suit is groundless, false or fraudulent. The insurer has full authority to investigate and settle any claim or suit that it decides is appropriate. The insurer's duty ends when the amount paid is equal to the limit of insurance stated in the policy.

 

MEDICAL PAYMENTS TO OTHERS COVERAGE F - There is a $ 200 limit on money, bank notes, bullion, gold, silver, platinum, coins and medals.  A $250 LIMIT applies to property away from the premises used at any time, in any way for business.  A higher limit of $1,000 limit applies for securities, letters of credit, notes, manuscripts, deeds, accounts, stamps, passports, tickets, watercraft including trailers and furnishings.  Theft of jewelry watches and furs also has limit of $1000.  For theft of firearms there is a $2,000 limit.  Finally, a $2,500 limit applies to theft of silverware, silver-plated ware, gold ware, gold-plated ware, pewter ware including flatware, hollow-ware, tea sets, trays, and trophies made of or including silver, gold or pewter.  Theft of property from your residence used at any time or in any manner for any business purpose is limited to $ 2,500.

Section II-Liability Exclusions

1. the rental of any part of any premises. There is an exception for the rental of an insured location if it is done on an occasional basis, for use as a residence, office, school, studio, or private garage
2. professional liability
3. any premises owned by or rented to an insured, or rented to others by the insured that is not an insured premises.
4. ownership, maintenance, use, loading or unloading of motor vehicles or motorized land conveyances (including trailers). The exclusion includes the entrustment of such property to any person as well as to any vicarious liability from the actions of a child or minor using such property.
5. ownership, maintenance, use, loading, or unloading of an excluded watercraft.
6. ownership, maintenance, use, loading or unloading of an aircraft; entrustment by an insured of an aircraft to any person; or vicarious liability for the actions of a child or minor using an aircraft.
7. war, insurrection, rebellion, revolution; warlike acts; destruction, seizure, etc.;
8. transmission of a communicable disease;
9. sexual molestation, corporal punishment or physical or mental abuse; or,
10. the use, sale, manufacture, delivery, transfer, or possession by any person of a Controlled Substance(s)

Claims—The special homeowners policy covers the expenses and costs assessed against an insured in any suit that the insurer defends including any premiums on bonds required in that suit; reasonable expenses incurred at the request of the insurer; and if there is an entry of judgment, the insurer will pay any interest on the entire amount that accrues before the insurer makes payment.

First aid expenses—The policy covers first aid expenses to others. No coverage is provided to any insured.

Damage to property of others—A maximum of $500 exists to pay for the property of others damaged by an insured.