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22 Cards in this Set
- Front
- Back
Homeowners Policy |
Includes property and liability |
|
Homeowners Eligibility |
Owner occupied, no more than a four family dwelling, primary purpose as a residence, can be under construction, mobile homes with endorsement |
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Cancellation conditions |
During first 60 days, minimum of 10 days notice After 60 days, 30 days notice Non payment, 10 days notice |
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HO-2 |
Broad form, owner occupant |
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HO-3 |
Special form, owner occupant |
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HO-4 |
Tenants or renters |
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HO-5 |
Comprehensive form, owner occupant |
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HO-6 |
Condominium owners |
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HO-8 |
Modified form special risks |
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Coverage A |
Dwelling |
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Coverage B |
Other structures, 10% of coverage A |
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Coverage C |
Personal property- included in all HO policies 50% of coverage A when on premises 10% of coverage C if off premises |
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Coverage D |
Loss of use- included in all HO policies 30% of coverage A |
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Coverage C Exclusions |
Pets, vehicles, property of renters or boarders |
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Property Removed |
Protects for 30 days |
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Credit Cards, Forgery and Counterfeit Coverage |
Covers up to 500 with no deductible |
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Loss Assessment Coverage |
Pays up to 1,000, deductible applied once |
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Claims Payment for personal propery |
Paid on actual cash value basis |
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Claims payment on dwelling and other structures |
Replacement cost basis |
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Coverage E in Section 2, Liability |
Personal liability |
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Coverage F in Section 2, Liability |
Medical payments to others |
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Watercraft Coverage |
Covers sailsboats less than 26 feet, boats with inboard motors of 50 HP or less, boats with outboard motors of 25 HP or less |