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