Dwelling Insurance

Front 1

Dwelling Policy

Back 1

Provides protection for individuals and families against loss to their dwelling and personal property.

Front 2

DP-1

Back 2

The Dwelling Basic Form

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Coverage A

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Dwelling, covers the dwelling, structures attached to the dwelling, materials, and supplies for use in the construction or repair of the dwelling or other structures at the location, and building or outdoor equipment used to service the premises.

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Coverage B

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Other Structures, insures buildings on the premises that are separated from the dwelling by a clear space or connected only by a fence, utility line, or similar connection.

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Coverage C

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Personal Property, covers the insured's personal property that is at the described location and is usual to the dwelling occupancy.

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Coverage D

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Fair Rental Value, available if a covered property loss to the dwelling or other structure makes the building uninhabitable and the insured cannot collect the rent he would have been able to receive if the loss had not occurred.

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Perils Automatically covered under the basic form.

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Fire

Lightning

Internal Explosion

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Extended Perils Under the DP-1

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Riot, Explosion, Vehicles, Smoke, Hail, Civil Commotion, Aircraft, windstorm, and Volcanic Eruption.

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DP-2

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The Broad Form, automatically covers all the standard and optional perils on the basic form. broadens some perils from the basic form and adds additional perils.

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DP-3

Back 10

Special Form, provides open peril coverage on the dwelling and other structures, insuring against all risks of direct physical loss that are not specifically excluded in the policy.

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Dwelling Policy Endorsments

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Broad Theft Coverage

Personal Liability

Medical Payments to Others

Automatic Increase in Insurance

Dwelling Under Construction