Comprehensive Coverage

Standard Coverage

Combined Single Limit of Coverage

• 100% of Dwelling (up to policy limits)
• 100% of detached Garages or other structures
• 100% of Personal Property
• Loss of Use / Fair Rental Value up to 12 months
• Engineering & Demolition Costs (5% of policy limit)
• $10,000 Building Code Upgrade
• Loss Assessment (20% of policy limit)
• Debris Removal

• 100% of Dwelling (up to policy limits)
• Detached Garages or Other Structures Not Covered
• $5000 Personal Property
• $1500 Loss of Use / Fair Rental Value
• Engineering & Demolition Costs (5% of policy limit)
• $10,000 Building Code Upgrade
• Loss Assessment (20% of policy limit)
• Debris Removal

The Comprehensive policy also includes full coverage up to policy limits for: wall coverings, stained glass windows, satellite dishes, jewelry, silverware, musical instruments, personal computer equipment, built-in BBQ's, playground equipment, and greenhouses.

The Standard policy does not provide coverage for other structures.

Special Limits

• $5000 for chimneys, fireplaces, masonry veneers
• $3000 for swimming pools, spas, pool decking
• $3000 for fences
• $3000 for retaining walls
• $3000 for detached walkways, patios
• $3000 for paintings, antiques

• $5000 for chimneys, fireplaces, masonry veneer
• Not Covered
• Not Covered
• Not Covered
• Not Covered
• $3000 for paintings, antiques

Deductibles

10%* - 25%

*10% deductible available in some locations

15%