Class A

Basic Perils

Fire or Lightning
Windstorms and Hail
Explosion
Riot or Civil Commotion
Vehicles or Aircraft
Smoke
Vandalism and Malicious Mischief
Theft
Glass Breakage

Broad Perils

Includes Basic Perils Plus:

Falling objects
Collapse of a residence
Sudden and accidental tearing apart of heating systems
Accidental discharge of liquids or steam
Freezing of plumbing, heating systems and appliances
Sudden and accidental injury from electrical currents
Weight of ice, snow or sleet

Coverage for accidental losses (including all Basic and Broad perils) except those specifically excluded in the policy.

$250 on Outdoor Radio and Televison Equipment
$250 on Fire Department Service Clause
$1000 on Credit Card, Forgery or Counterfeit Money

Optional Coverages

Replacement Cost on Residence
Theft Coverage Extension for Dwelling under Construction
Inflation Guard
Replacement Cost Endorsement for Coverage C
- Household personal Property

Special Form - Household Personal Property

Personal Property Limitations
(may be increased with specific  coverage)

$200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins medals, etc.;
$2000 on securities, commercial paper, stamps, philatelic property, tickets, accounts, deeds, etc.;
$2000 on antiques and collectibles;
$2000 on watercraft including their trailers, equipment, accessories and outboard motors;
$2000 on motorized vehicles used to service the insured premises and not designed or licensed for use on public roads. This coverage does not apply to recreational motor vehicles;
$1000 on cemetery markers, headstones and urns;
$2000 on horse tack, saddles, bridles and related items;
$2000 on computer hardware and software;

*$2000 on jewelry, watches, precious or semi-precious stones, gems or furs applying to theft only;
*$2000 on silverware, goldware, pewterware and items plated with gold or silver applying to theft only; or 
*$2000 on guns, and gun accessories, including antique and collectible guns applying to theft only.

The following property is covered only while on the insured premises and is limited to the amounts stated:

$2000 on business property, but excluding any coverage to property held for sale or resale; or
$2000 on trailers not used with watercraft.

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This site is not a contract. All coverage and perils described by this site are subject to all terms,
definitions and conditions of the policy. Refer to policy forms for exact coverage provisions.

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