Property Insurance- Policy Perils and Exclusions

Extended Coverage (WCSHAVVER) - Extra Coverage

*By endorsement for DP-1* >Included in DP-2 and DP-3 >Included on ALL Homeowner Policies >Included on ALL Commercial Policies >Included on ALL Businessowner Policies Wind Civil Commotion Smoke Hail Aircraft Vehicles Volcanic Eruption Explosion Riot

Commercial -Special Perils

All Risk Perils

Broad Form Perils (FIBFEAT)

Falling Objects Ice, Snow, sleet Weight Burglar Damage Freezing of Pipes Electrical Damage Accidental Discharge or Overflow of Water or Stream Tearing Apart, Cracking, Burning or Bulging

Commercial -Basic Perils

Fire, Lightning, Extended Coverage=(WCSHAVVER), VMM, Sprinkler Leakage, Sinkhole Collapse

Commercial -Broad Perils

Fire, Lightning, Extended Coverage=(WCSHAVVER), VMM, Sprinkler Leakage, Sinkhole Collapse + Falling Objects, Ice/Snow/Sleet Weight, Water Damage, and Glass Breakage

Businesowners -Standard Perils

Fire, Lightning, Extended Coverage=(WCSHAVVER), VMM, Sprinkler Leakage, Sinkhole Collapse + Transportation *Similar to Commercial Basic Perils*

General Excluded Perils (WOWPENING) - Not Covered!!

War Ordinance of Law Water Damage Power Failure off-Premises Earth Movement Nuclear Hazard Intentional Action Negligence (after loss) = failure to secure your home after a loss. Governmental Action