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Dwelling
| Term | Definition |
|---|---|
| Basic | DP1 Dwelling form |
| Broad | DP2 Dwelling form |
| Special | DP3 Dwelling form |
| Dwelling Coverage A | Dwelling |
| Dwelling Coverage B | Other structures |
| Dwelling Coverage C | Contents |
| Dwelling Coverage D | Fair rental value |
| Dwelling Coverage E | Additional living expenses |
| hurricane deductible | is a minimum of $500 with the option of 2% – 5% – 10% of the stated Dwelling amount. |
| Dwelling policy exclusion | 1. Enforcement of building ordinance |
| Dwelling policy exclusion | 2. Earth movement (except Catastrophic ground cover collapse) |
| Dwelling policy exclusion | 3. Water damage from flood, rising waters, backup of sewer or drains, overflow from sump, or subsurface water |
| Dwelling policy exclusion | 4. Power interruption if damaged source is at other premises |
| Dwelling policy exclusion | 5. Neglect to protect property from damage |
| Dwelling policy exclusion | 6. war |
| Dwelling policy exclusion | 7. Nuclear hazards |
| Dwelling policy exclusion | 8. Intentional loss |
| Dwelling policy exclusion | 9. Governmental actions |
| DP-1 Basic form coverage | 1. Up to 10% of Coverage A applied to Coverage B |
| DP-1 Basic form coverage | 2. Debris removal |
| DP-1 Basic form coverage | 1. Up to 10% of Coverage A applied to Coverage B 2. Debris removal 3. Up to 10% of Coverage C limit for damage to improvements, alterations, and additions to the property of others |
| DP-1 Basic form coverage | Up to 10% of Coverage C limit to property anywhere in the world |
| DP-1 Basic form coverage | 1. Up to 10% of Coverage A applied to Coverage B 2. Debris removal 3. Up to 10% of Coverage C limit for damage to improvements, alterations, and additions to the property of others 4. Up to 10% of Coverage C limit to property anywhere in the world 5. |
| DP-1 Basic form coverage | 6. Reasonable costs for necessary repairs to prevent further los |
| DP-1 Basic form coverage | 7. Coverage up to five days at temporary locations when property is removed from a premises endangered by covered peril |
| DP-1 Basic form coverage | 8. Additional $500 for fire department service charge |
| 1.Fire | Peril covered in DP-1 basic form |
| 2. Lightning | Peril covered in DP-1 basic form |
| 3. Internal explosion | Peril covered in DP-1 basic form |
| 4. Catastrophic ground cover collapse | Peril covered in DP-1 basic form |
| 1. Windstorm | Extended Coverage (EC) covered under DP-1 Basic Form |
| 2. Hail | Extended Coverage (EC) covered under DP-1 Basic Form |
| 3. Explosion | Extended Coverage (EC) covered under DP-1 Basic Form |
| 4. Riot or Civil Commotion | Extended Coverage (EC) covered under DP-1 Basic Form |
| 5. Aircraft | Extended Coverage (EC) covered under DP-1 Basic Form |
| 6. Vehicles | Extended Coverage (EC) covered under DP-1 Basic Form |
| 7. Smoke | Extended Coverage (EC) covered under DP-1 Basic Form |
| 9. Volcanic eruption | Extended Coverage (EC) covered under DP-1 Basic Form |
| Physical item that is not covered by windstorm and hail peril under DP-1 basic form | 1. Awnings |
| Physical item that is not covered by windstorm and hail peril under DP-1 basic form | 2. Outside antenna equipment |
| Physical item that is not covered by windstorm and hail peril under DP-1 basic form | 3. Signs |
| Physical item that is not covered by windstorm and hail peril under DP-1 basic form | 4. Boats |
| Physical item that is not covered by windstorm and hail peril under DP-1 basic form | 5. Damage to building interior |
| Physical item that is not covered by windstorm and hail peril under DP-1 basic form | 6. Contents, unless exterior damage to roof or walls |
| Condition for cancellation or non renewal | 1. 120 days' written notice for cancellation or non-renewal |
| Condition for cancellation or non renewal | 2. 10 days' notice for nonpayment of premium |
| Condition for cancellation or non renewal | 3. 45 days' notice of renewal premium |
| Automatically included in DP-3 Broad form | 1. Fire |
| Automatically included in DP-3 Broad form | 2. EC Extended Coverage finish this question |
| Automatically included in DP-3 Broad form | 3. VMM finish this question |
| DP-2 Broad form coverage peril | 1. Damage by burglars |
| DP-2 Broad form coverage peril | 2. Falling objects |
| DP-2 Broad form coverage peril | 4. Accidental discharge |
| DP-2 Broad form coverage peril | 5. Overflow of water or steam from within plumbing |
| DP-2 Broad form coverage peril | 6. Steam or hot water heating; AC; and, hot water system tearing apart, burning, cracking, or bulging |
| DP-2 Broad form coverage peril | 3. Weight of ice, snow, or sleet |
| DP-2 Broad form coverage peril | 7. Freezing of plumbing, heating, or AC8. Artificially generated electrical current |
| DP-2 Broad form coverage peril | 9. Volcanic eruption |
| DP-2 Broad form coverage peril | 8. Artificially generated electrical current |
| DP-2 Broad form coverage peril | Fire |
| DP-2 Broad form coverage peril | Lightning |
| DP-2 Broad form coverage peril | Internal explosion |
| DP-2 Broad form coverage peril | Catastrophic Ground Cover Collapse |
| DP- 2 Broad form Coverage | Other Structures coverage up to 10% of Coverage A as additional amounts of insurance |
| DP- 2 Broad form Coverage | Improvements, alterations and additions as a Renter up to 10% of Coverage C as additional amounts of insurance. |
| DP- 2 Broad form Coverage | Thirty days coverage for removed property at temporary locations when property is removed from a premises endangered by an insured peril. |
| DP- 2 Broad form Coverage | Coverages D and E are both covered up to 20% of Coverage A – as additional amounts of insurance no monthly limit as in DP1 |
| DP- 2 Broad form Coverage | 5% of Coverage for loss to trees, shrubs and plants with a $500 limit per any one item. |
| DP- 2 Broad form Coverage | Collapse |
| DP- 2 Broad form Coverage | Breakage of glass or safety glazing material – 60 day vacancy exclusion applies. |
| DP- 2 Broad form Coverage | Building Ordinance or Law 10% of the Coverage A limit if the insured is the building owner – 10% of Coverage B if the insured is a tenant. |
| DP- 2 Broad form Coverage | Loss settlement on building structures on a RCV basis |
| DP-3 Special form | covers building structures on an “open peril” basis with all other coverage the same as the Broad Form DP-2 |
| Open perils coverage | all direct physical loss is covered except for such things that are specifically excluded. |
Created by:
Mindyinthehouse
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