Chapter 4 Dwelling Policy
The limit of insurance for the Other Coverage Trees, Shrubs & Other Plants is provided at ____ percentage of the Coverage A limit.
5%
Must occur from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system, o household appliance. This doesn't apply to constant or repeated seepage or leakage over a period of time or if the dwelling was vacant 60 or more consecutive day immediately before a loss.
Accidental discharge or overflow of water or steam
Losses to the DP-1 dwelling, other structures & contents are paid on an ____ basis to the insured.
Actual Cash Value
Coverage E
Additional Living Expense
____ does NOT apply to the Other Coverage Glass or Safety Glazing Material.
Applies to all dwelling forms
An automatic pro rata increase in the Coverage A & B limits of insurance is applied by the percentage shown on the endorsement. This endorsement is used to help offset inflation & may also be referred to as the Inflation Guard Endorsement. The increases are calculated per day, & will increase the dwelling coverage, as well as the premium, annually when the policy renews. If a loss occurs throughout the year, coverage is based on a pro-rated basis.
Automatic Increase in Insurance Endorsement
Provides insurance for the perils of theft, attempted theft & VMM that results from theft or attempted theft. No VMM coverage applies if the dwelling was vacant for more than 60 consecutive days immediately before the loss. On-premises coverage is provided for covered property located at the described location if occupied by an insured. Off-premises coverage is provided when covered property is away from the described location; however, the property must be owned or used by an insured or residence employee.
Broad Theft Coverage
Because none of the dwelling forms includes coverage for theft, one of two endorsements must be used if the named insured wishes to have coverage for the peril of theft. The Broad Theft Coverage endorsement may be added to any of the dwelling forms IF the described location is owner occupied. If the dwelling is tenant occupied, the Limited Theft Coverage endorsement must be used.
Broad Theft Coverage Endorsement
_____ type of property is NOT covered under Coverage C - Personal Property.
Canoe
Coverage for the peril of collapse is only provided under the DP-2 & DP-3 forms, Coverage is provided for direct physical loss to covered property involving _____ of a building or any part of a building.
Collapse
____is defined as the abrupt falling down or caving in of a building or any portion of a building, but only if it cannot be occupied for its current intended purpose. If a building, or any portion of a building, is in danger of falling down or caving in - or if it's standing, it is NOT in a state of ____. Under the DP-2 & DP-3 forms, coverage is provided for direct physical loss to covered property involving ____ of a building, or any part of a building, but only if the cause of loss is: any of the Coverage C named perils; hidden decay; hidden insect or vermin damage; weight of contents, equipment, animals or people; weight of rain which collects on the roof; & use of defective materials or methods in construction, remodeling or renovation. _____ does not include settling, cracking, shrinking, bulging or expansion. This coverage does not increase the limit of insurance & is NOT provided by DP-1.
Collapse
____ is NOT covered under Coverage B.
Construction materials
____ applies to the dwelling described in the declarations, used principally for residential purposes, including structures attached to the dwelling, such as an attached garage, carport, breezeway or deck.
Coverage A
An attached carport is covered under _____ coverage.
Coverage A - Dwelling
Coverage applies to the dwelling described in the declarations, used principally for residential purposes, including structures attached to the dwelling, such as an attached garage, carport, breezeway or deck. Coverage also includes materials & supplies on or next to the described location used to construct, alter, or repair the dwelling or other structures at the described location. Unless otherwise covered in the policy, building equipment & outdoor equipment used to service the described location is considered part of the dwelling IF such property is located on the described location. No coverage applies to land, including land on which the dwelling is located. The _____ limit of insurance appears on the declarations as a specific limit. It is chosen by the named insured at the time coverage is applied for & should represent the dwelling's replacement value.
Coverage A - Dwelling
The _____ appears on the declarations as a specific limit. It is chosen by the named insured at the time coverage is applied for & should represent the dwelling's replacement value.
Coverage A Limit of Insurance
_____ applies to other structures on the described location if they are separated or detached from the dwelling by clear space, a fence or a utility line.
Coverage B
____ applies to other structures on the described location if they are separated or detached from the dwelling by a clear space, a fence, or a utility line. Examples include a detached garage, shed, pool & an outdoor storage building. No coverage is provided for structures rented to others who were not a tenant of the dwelling before residing in the other structure. An exception applies if the structure is rented solely as a private garage. As with Coverage A, coverage is NOT provided for land. Coverage is provided for other structures used in the whole or in part for commercial, manufacturing, or farming purposes. However, if other structures used for such purposes only store property owned solely by the named insured or a tenant of the dwelling, coverage will apply provided the property doesn't include any gaseous or liquid fuel located other than in a vehicle's fuel tank. The _____ limit of insurance is up to 10% of the Coverage A limit & is automatically provided under each of the dwelling forms. In the case of a DP-1, this limit does not increase the amount of insurance provided by Coverage A. The DP-2 & DP-3 forms provide additional insurance. Neither Coverage A nor B insure damage caused by wind, hail, ice, snow or sleet damage to outdoor radio & television antennas & aerials, including their lead-in-wiring.
Coverage B - Other Structures
The _____ is up to 10% of the Coverage A limit & is automatically provided under each of the dwelling forms.
Coverage B limit of insurance
____ applies to household & personal property usual to the occupancy as a dwelling if it is owned by the insured or by members of the insured's family who reside with the insured.
Coverage C
Coverage applies to household & personal property usual to the occupancy as a dwelling if it is owned by the insured or by members of the insured's family who reside with the insured. Loss due to VMM is covered even if the property has been vacant for 60 or more days. Coverage only applies while insured property is located at the described location. After a loss & at the insured's request, ____ will also apply to personal property of a guest or servant while located on the described location. Personal property of a tenant or boarder is not covered. Coverage also automatically applies to personal property the insured removes from the location to a newly acquired prinicpal residence for 30 days or until policy expiration, whichever occurs sooner. Otherwise, coverage is not provided for personal property located off the described location.
Coverage C - Personal Property
Property not covered includes: accounts, bank notes, coins & currency; birds, animals, & fish; aircraft & watercraft other than rowboats or canoes; motor vehicles other than those used to service the described location or to assist the handicapped; hovercraft; data, including books of account, drawings, paper records, computers, & their equipment; credit cards, funds transfer cards & other access devices; water or steam; & grave markers. As a coverage giveback, the insured may use to 10% of ____ limit of insurance for loss caused by an insured peril to covered property anywhere in the world.
Coverage C - Personal Property
____ provides insurance for indirect losses that occur as a result of direct losses to property insured under Coverages A, B or C that are covered by the policy.
Coverage D
____ provides insurance for indirect losses that occur as a result of direct losses to property insured under Coverages A, B or C that are covered by the policy. The policy pays for fair rental value of that part if the described location that is rented to others, or held for rental to others, at the time of a loss IF the rental unit is unfit for its normal use because of a direct loss covered by the policy. Payment will be made for the shortest time necessary to repair the damaged portion of the dwelling that's normally held for rental. A deduction is made for any continuing expenses - meaning expenses that would continue without regard to whether the unit can be occupied (e.g., electric bills or the mortgage payment.) If a civil authority prevents the insured from using the dwelling because a neighboring location was directly damaged by peril that is insured by the insured's policy, the fair rental value will be paid for no more than 2 weeks. Cancellation of a lease is not covered. _____ limit of insurance is up to 20% of Coverage A limit & is automatically provided under each of the dwelling forms. In the case of a DP-1, this limit does not increase the amount of insurance provided by Coverage A. The DP-2 & DP-3 forms provide additional insurance.
Coverage D - Fair Rental Value
______ pays for the loss of rents due to direct loss to the dwelling from a covered peril.
Coverage D - Fair Rental Value
The ______ is up to 20% of the Coverage A limit & is automatically provided under each of the dwelling forms.
Coverage D limit of insurance
Like Coverage D, _____ provides insurance for indirect losses that occur as a result of direct losses to property insured under Coverages A, B or C that are covered by the policy. _____ is automatically included in the DP-2 & DP-3 forms; its not included in the DP-1 form. The policy pays any necessary increases in living expenses incurred by the named insured when a covered loss makes the unit in which the named insured lives uninhabitable. Payment is made only to the extent the insured's household can maintain its normal standard of living. _____ limit of insurance is up to 20% of the Coverage A limit & is additional coverage. Examples of expenses paid by _____ are the costs of a motel room, boarding pets & dining out.
Coverage E - Additional Living Expense
The perils insured against are fire, lightning & internal explosion. If an additional premium is paid for Extended Coverage (EC), the following perils are also included: windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, volcanic eruption. The peril of vandalism or malicious mischief (VMM) may also be included with the payment of an additional premium. EC & VMM coverages, if purchased, must appear on the declarations. If VMM is purchased, it excludes loss for vandalism in vacant buildings. Losses to the dwelling, other structures & contents are paid on an actual cash value basis.
DP-1 (Basic Form)
The ____ perils are fire, lightning & internal explosion. If an additional premium is paid for Extended Coverage (EC), the following perils are also included: windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, & volcanic eruption. The peril of vandalism or malicious mischief (VMM) may also be included with the payment of an additional premium.
DP-1 Basic Form
____ dwelling forms pays for losses to the dwelling on actual cash value basis.
DP-1 Basic Form
The perils insured against the DP-1 perils, the EC perils, VMM & the following: Damage by Burglars Falling Objects Weight of ice, snow or sleet Accidental discharge or overflow of water or steam Sudden & accidental tearing apart, cracking, burning or bulging Freezing Sudden & accidental damage from artificially generated electrical current The damage by burglars peril includes damage to the covered property caused by the burglar, but not theft of property. The Vehicle peril does not include loss to a fence, driveway or walkway caused by a vehicle owned or operated by the insured. The Smoke peril does not include loss cause by smoke from agricultural smudging or industrial operations. Losses to the dwelling & other structures are paid on a replacement cost basis, & losses to personal property are paid on an actual cash value basis.
DP-2 (Broad Form)
The ____ perils are the DP-1 perils, the EC perils, VMM & the following: damage by burglars, falling objects, weight of ice, snow, sleet & accidental discharge or overflow of water or steam.
DP-2 Broad Form
Any of the following: wear & tear; deterioration; mechanical breakdown; smog, rust or corrosion; smoke from agricultural smudging or industrial operations; pollution; settling, cracking, bulging, or expansion of foundation, walls, floors, pavement, or patios; & birds, vermin, rodents, insects, or domestic animals. Theft of property that is part of the dwelling or other structures is covered as long as the dwelling or other structures have not been vacant for more than 60 days. Theft of contents is still excluded unless coverage has been added by endorsement. Personal property is covered for Broad Form (DP-2) named perils. Losses to the dwelling & other structures are paid on a replacement cost basis, & losses to personal property contents are paid on actual cash value basis to the insured.
DP-3 (Special Form)
Coverage for the dwelling & other structures is provided on an open perils basis, meaning coverage is provided for all causes of loss except for those specifically excluded. In addition to the policy's General Exclusions, the ______ specifically excludes the following losses under Coverages A & B: Collapse, except for coverage provides by Other Coverages. Freezing, thawing, or weight of water or ice on patios, fences, swimming pools, foundations, piers, docks, retaining walls, etc. Theft of property not part of a covered building or structure. Theft in or to a dwelling or structure under construction. Wind, hail, ice, snow or sleet to outdoor radio & tv antena & aerials, trees, shrubs, plants & lawns. VMM, theft or attempted theft & any ensuing loss if the dwelling has been vacant for more than 60 consecutive days immediately before a loss. Constant or repeated seepage or leakage of water or steam over a period of time from within the plumbing, heating, air conditioning or automatic fire protective sprinkler system, or household appliance - these systems & appliances do NOT include sumps, sump pumps, mold, fungus, or wet rot unless resulting from accidental discharge or overflow of water or steam & is hidden from view.
DP-3 (Special Form)
The ____ covers the dwelling & other structures on an open perils basis, except for the perils specifically excluded.
DP-3 Special Form
_____ dwelling program forms covers the building on an open peril basis.
DP-3 Special Form
This does not include theft coverage nor does it apply if the dwelling was vacant 60 or more consecutive days immediately before a loss.
Damage by Burglars
______ is NOT covered when caused by wind, hail, weight of snow, ice or sleet; or loss by theft.
Damage to trees, shrubs, plants or lawns.
The additional coverage _____ pays the insured's reasonable expenses for the removal of debris of covered property if the property is damaged by an insured peril.
Debris Removal
The policy pays for the insured's reasonable expenses for the removal of debris of covered property if the property is damaged by an insured peril. Debris removal expense is included in the limit of insurance that applies to the damaged property.
Debris Removal
_____ is NOT included in the Personal Liability endorsement.
Debris Removal
Coverage A
Dwelling
DP-1 (Basic Form) DP-2 (Broad Form) DP-3 (Special Form)
Dwelling Coverage Forms
Coverage A Coverage B Coverage C Coverage D Coverage E
Dwelling Coverages
Dwelling Program Eligibility Dwelling Coverage Forms
Dwelling Policies
Dwellings must be used principally for residential dwelling purposes & cannot have more than 4 dwelling units or more than 5 roomers or boarders. Mobile homes are eligible if they are permanently affixed to a foundation, but only on the Basic Form of coverage (DP-1). Incidental business occupancies, such as schools, studios, & offices, are permitted if the primary use of the dwelling is a personal residence. Dwellings located on farms on NOT eligible.
Dwelling Program Eligibility
This endorsement is needed because eligibility for the dwelling property coverage requires insured dwellings to the occupied for residential purposes. Dwellings under construction are not occupied & when this endorsement is added, the named insured agrees to advise the insurance company when construction is completed. The limit of liability for Coverage A is provisional & is based on the build's value upon completion. The limit of insurance in place at any time prior to completion is a percentage of the Coverage A limit that equals the proportion the actual value bears to the value on the date of completion. Once the construction is completed, the named insured must notify the insurance company to obtain consent to occupy the dwelling & to adjust the policy premium. Occupancy of the building under Coverage A, as a dwelling, is permitted for 30 days after completion.
Dwelling Under Construction Endorsement
____ is not eligible under the Dwelling Program?
Dwelling is located on farm property
To be eligible for the _____, dwellings must be used principally for residential purposes, cannot contain more than 4 dwelling units & can have no more than 5 roomers or boarders.
Dwelling property program
Earthquake, including land shock waves or tremors before, during or after a volcanic eruption; landslide; mudslide or mudflow; subsidence or sinkhole, earth sinking, rising or shifting. Coverage is excluded whether the earth movement is caused by human, animal or natural forces. If a direct loss by fire or explosion ensues from earth movement, it is covered.
Earth Movement
____ is excluded, including land shock waves or tremors before, during or after a volcanic eruption; landslide; mudslide or mudflow; subsidence or sinkhole, earth sinking, rising, or shifting.
Earth Movement
____ is NOT covered by the exclusion Earth Movement.
Explosion
Coverage D
Fair Rental Value
Damage to exterior of the building must take place for coverage to apply to contents inside the building.
Falling Objects
Under each of the dwelling forms, the policy will pay up to $500 for the named insured's liability assumed by contract or agreement for fire department service charges incurred when the fire department is called to save & protect covered property from an insured peril. Coverage does not apply if the property is located within the limits of the city, municipality or protection district furnishing the fire department response. Essentially, coverage is provided for services provided by an assisting fire department. This is additional insurance & the policy deductible does not apply.
Fire Department Service Charge
Under each of the dwelling forms, the insurance company will pay up to $500 for _____ incurred when a fire department other than the fire department in the jurisdiction in which the described location is situated is called to save or protect covered property from an insured peril.
Fire department charges
DP-1 Perils Insured Against
Fire, lightning, internal explosion, optional with endorsement, wind, hail, aircraft, riot or civil commotion, vehicles, volcanic eruption, explosion, smoke, VMM
DP-3 Personal Property (Coverage C)
Fire, lightning, internal explosion, wind, hail, aircraft, riot or civil commotion, vehicles, volcanic eruption, explosion, smoke, vmm, burglar damage, falling objects, weight of ice, snow, sleet, accidental discharge, accidental tearing apart, cracking, burning, bulging, artificial electric current
DP-2 Perils Insured Against
Fire, lightning, internal explosion, wind, hail, aircraft, riot or civil commotion, vehicles, volcanic eruption, explosion, smoke, vmm, burglar damage, falling objects, weight of snow, ice, sleet, accidental discharge, accidental tearing apart, cracking, burning or bulging, artificial electric current.
Must occur to a plumbing, heating, air conditioning or automatic fire protective sprinkler system or household appliance, Applies only if the insured used reasonable care to maintain heat in the building OR shut off the water supply & drained all systems of water.
Freezing
Ordinance or Law Earth Movement Water Damage Power Failure Neglect War Nuclear Hazard Intentional Loss Non-concurrent Exclusions
General Exclusions
The dwelling forms do not insure for loss caused directly or indirectly by any of the following - regardless of any other cause or event that contributes concurrently or in any sequence to the loss.
General Exclusions
Under Dp-2 & DP-3 forms, coverage is provided for the breakage of glass or safety glazing material if it is part of a covered building, storm door, or storm window. Coverage is provided for direct loss caused by earth movement & the pieces, fragments or splinters of broken glass or safety glazing material. No coverage applies if the dwelling was vacant for 60 consecutive days immediately before the loss. The vacancy provision doesn't apply to losses caused by earthquake. Loss for damage to glass will be settled on the basis of replacement with safety glazing materials required by ordinance or law. Coverage doesn't increase the limit of liability & is NOT provided by DP-1 form.
Glass or Safety Glazing Material
If the insured is a tenant, he/she may use up to 10% of the Coverage C limit of insurance for a covered loss to _______ made or acquired at the insured's expense to that part of the described location only occupied by the named insured. In the DP-2 form, coverage is included in the limit of insurance; in the DP-2 & DP-3 forms, it's additional insurance.
Improvements, Alterations & Additions
The additional coverage ______ pays a tenant up to 10% of the Coverage C limit for improvements made or acquired at the insured's expense to that part of the described location he/she rents.
Improvements, Alterations & Additions
Under the DP-1, the Coverage B limit does not ___________; under the DP-2 & DP-3 forms, the limit is aditional insurance.
Increase the amount of insurance
Loss arising out of any act committed by or at the direction of the named insured or any additional insured, with the intent to cause a loss. Coverage is excluded for any insured committing the intentional loss, even those who did not commit or conspire to commit the act that causes the loss.
Intentional Loss
____ is NOT true about the Broad Theft Coverage.
It does not apply to the DP-1.
Provides insurance for the perils of theft, attempted theft & VMM that results from theft or attempted theft. No VMM coverage applies if the dwelling was vacant for more than 60 consecutive days immediately before the loss. On-premises coverage applies when covered property is owned or used by the named insured or a residence employee & is at the described location.
Limited Theft Coverage
The insured's _____ to use all reasonable means to save & preserve property at & after the time of loss.
Neglect
______ is excluded & is defined as the insured's neglect to use all reasonable means to save & preserve property at & after the time of loss.
Neglect
The following exclusions apply, however, if an ensuing loss is otherwise covered by the policy, it will not be excluded: weather decisions; acts or decisions; including the failure to act or decide, of any person, group, organization, or governmental body; faulty, inadequate or defective planning, zoning, development, surveying, sighting, design, workmanship, repair, construction, renovation, remodeling, grading, compaction, materials used in repair & maintenance.
Non-concurrent Exclusions
Any nuclear reaction, radiation, or radioactive contamination - whether controlled or uncontrolled - except that fire resulting from the ____ is covered.
Nuclear Hazard
DP-3 Perils Insured Against Buildings
Open Perils Coverage
Increased costs due to the enforcement of any ordinance or law regulating the use, construction, demolition, remodeling, renovation or repair of property - including removal of debris. Under the DP-2 & DP-3 forms, this exclusion doesn't apply to the Other Coverage, Ordinance or Law.
Ordinance or Law
This is an additional coverage for DP-2 & DP-3. It applies to increased costs incurred by the named insured due to the enforcement of any ordinance or law that requires or regulates the construction, demolition, remodeling, renovation, or repair of a covered building or structure because of a covered loss. Up to 10% of the Coverage A limit of liability may be used for this coverage & if the insured is a tenant, up to 10% of the limit of insurance that applies to improvements., alterations, & additions may be used. Some or all of the limit of insurance for this coverage may be used to pay for the increased costs incurred by the named insured to remove debris resulting from the construction, demolition, remodeling, renovation, repair or replacement of covered property. NO coverage is provided for any loss in value of a building or structure due to the enforcement of any ordinance or law or costs incurred by ordinances that require pollution clean up, removal, treatment, etc. This is additional insurance.
Ordinance or Law
______ is excluded & is the increased costs due to the enforcement of any _____ regulating the use, construction, demolition, remodeling, renovation, or repair of property - including removal of debris
Ordinance or Law
Debris Removal Improvements, Alterations & Additions World Wide Coverage Reasonable Repairs Property Removed Trees, Shrubs & Other Plants Fire Department Service Charge Collapse Glass or Safety Glazing Material Ordinance or Law
Other Coverages
Coverage B
Other Structures
Because the dwelling forms only provide property coverage, if personal liability coverage is desired, coverage must be secured under another policy or an endorsement must be attached to the dwelling policy. The ______ endorsement contains its own Definitions s& provides Coverage L - Personal Liability & Coverage M - Medical Payments to Others. ______ coverage applies to claims made or suits brought against an insured for damages because of bodily injury or property damage caused by an occurrence to which the policy applies. Payment will be made up to the limit of liability appearing on the Declarations for which an insured is legally liable. Coverage is also provided for defense in addition to the limits of liability.
Personal Liability Supplement
Medical payments to others coverage applies to claims for the necessary medical expenses incurred or medically ascertained within 3 years from the date of an accident causing bodily injury to which the policy applies. Medical expenses are reasonable charges for medical, surgical, x-ray, dental, ambulance, hospital, professional nursing & funeral services. Coverage does NOT apply to expenses incurred by the named insured or regular residents of the named insured's household except residence employees. Coverage applying to others must arise out of injury to a person on an insured location with the insured's permission, or to persons off an insured location if the injury is caused by the activities of an insured or residence employee while in the course of employment by the insured. Also covered are injuries to persons caused by an animal owned by or in the care of an insured or that arise out of conditions on an insured location or ways immediately adjoining it. The endorsement also provides additional coverages for claim expenses, first aid expenses, & damage to the property of others. Exclusions include: expected or intended injury, business, professional services, war, communicable disease, sexual molestation, corporal punishment, physical or mental abuse, controlled substance.
Personal Liability Supplement
Coverage C
Personal Property
The failure of power or other utility service if it takes place off the described location. ______ occurring on the described location is covered.
Power Failure
_____ is excluded & is the failure of power or other utility service if it takes place off the described location. Power failure occurring on the described location is covered.
Power Failure
What type of power failure is excluded under all of the dwelling forms?
Power failure that occurs off the insured premises
If property is being removed from the described location to protect it because it is endangered by a covered peril, coverage is provided for direct loss by any peril while removed. Under the DP-1 form, coverage is provided for 5 days while removed; under the DP-2 & DP-3 forms, coverage is provided for 30 days while removed. This coverage does not increase the limit of insurance that applies to the property being removed.
Property Removed
The _____ additional coverage covers property against direct loss for all perils while being removed from the described location because the property at the described location is endangered by an insured peril.
Property Removed
____ is NOT true about coverage for Property Removed.
Property coverage applies under the DP-1 policy for 30 days while the property is removed.
If covered property is damaged by an insured peril, the policy will pay the reasonable costs incurred by the named insured for necessary measures taken to protect covered property from further damage. This is not additional insurance & coverage does not increase the limit of insurance that applies to the covered property.
Reasonable Repairs
The additional coverage _____ pays the reasonable costs incurred by the insured for necessary measures taken to protect covered property from further damage.
Reasonable Repairs
Automatic Increase in Insurance Endorsement Broad Theft Coverage Endorsement Dwelling Under Constructions Endorsement Personal Liability Supplement
Selected Endorsements
The peril is caused by man-made electricity or power surge & does NOT apply to damage to tubes,transistors, electronic components, or circuitry contained in appliances, fixtures, computers, etc.
Sudden & accidental damage from artificially generated electrical current
Must occur to a steam or hot water heating system, air conditioning system, or automatic fire protective system or household appliance.
Sudden & accidental tearing apart, cracking, burning or bulging
Under the DP-2 & DP-3 forms, coverage is provided for trees, shrubs, plants or lawns on the described location for loss caused by the following perils: fire, lightning, explosion, riot or civil commotion; aircraft; vehicles not owned by the named insured or by a resident of the described location; VMM; & damage caused during a burglary or attempted burglary. This coverage is not included in the DP-1 form. Damage to trees, shrubs, plants or lawns caused by the following perils are not covered: wind, hail, weight of ice, snow, sleet & loss by theft. The limit of insurance for this coverage is up to 5% of the Coverage A limit, with a maximum of $500 applying to any one tree, shrub or plant. This is additional coverage.
Trees, Shrubs & Other Plants
_____ is an additional coverage that provides insurance at a limit of up to 5% of the Coverage A limit, with a maximum of $500 for any one tree, shrub or plant.
Trees, Shrubs, & Other Plants
____ includes undeclared war, civil war, insurrection, rebellion, revolution, or any warlike act by a military force. The discharge of a nuclear weapon will be deemed a warlike act, even if accidental. ____ also includes any consequence of the preceding.
War
Flood, surface water waves, tidal water, overflow of a body of water, water or waterborne material that backs up through sewers or drains or overflows from a sump or sump pump, water or waterborne material below the surface of the ground - including water that exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure (such as basement walls). If a direct loss by fire or explosion results from water damage, it is covered.
Water Damage
____ is excluded & includes flood, surface water waves, tidal water, overflow of a body of water, water or waterborne material that backs up through the sewers or drains or overflows from a sump or a sump pump, water or waterborne material below the surface of the ground - including water that exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool, or other structure (such as basement walls.)
Water Damage
This doesn't apply to awnings, patios, pavements, pools, etc.
Weight of ice, snow or sleet
The insured may use up to 10% of the Coverage C limit of liability for a covered loss to property insured under Coverage C while it's located anywhere in the world. This coverage does NOT apply to rowboats, canoes, or property owned by guests or servants. This coverage is included in the Coverage C limit of liability.
World Wide Coverage