|
Homeowners Coverages
| COVERAGES |
|
DIRECT
PLATINUM |
|
DIRECT
GOLD |
| Home
Replacement Cost Guarantee |
|
Up
to policy limits or other loss settlement clause |
|
Up
to policy limits or other loss settlement clause |
| Personal
Property Replacement Cost |
|
Included |
|
Optional |
| Personal
Property (contents) - % of Dwelling Coverage |
|
50% |
|
50% |
| Additional
Living Expenses - % of Dwelling Coverage |
|
20%
(No Time Limit) |
|
20%
(No Time Limit) |
| Building
Structures Not Attached - % of Dwelling Coverage |
|
10% |
|
10% |
| Personal
Injury Liability |
|
Optional
|
|
Optional
|
| Business
Property Off Premises |
|
$250 |
|
$250
|
| Business
Property On Premises |
|
$2,500 |
|
$2,500 |
| Computers |
|
Included
for certain perils |
|
Included
for certain perils |
| Debris
Removal |
|
Included
with certain limits |
|
Included
with certain limits |
| Fire
Department Service Charges |
|
$500 |
|
$500 |
| Manuscripts |
|
$1,000 |
|
$1,000 |
| Money,
Etc. |
|
$200
|
|
$200 |
| Refrigerated
Property (up to $500) |
|
Included |
|
Included |
| Theft
of Firearms |
|
$2,000*
|
|
$2,000 |
| Theft
of Jewelry, Furs, Watches |
|
$1,000*
|
|
$1,000 |
| Theft
of Silverware and Goldware |
|
$2,500*
|
|
$2,500 |
| Trees,
Plant, Shrubs (up to $500 each) |
|
5%
of Dwelling Coverage |
|
5%
of Dwelling Coverage |
| Watercraft
and Trailers |
|
$1,000 |
|
$1,000 |
* Includes loss by misplacing or losing
| Optional
Coverages Available |
|
DIRECT
PLATINUM |
|
DIRECT
GOLD |
| Additional
Coverage for Jewelry, Watches and Furs |
|
Yes |
|
Yes |
| Additional
Coverage for Cameras, and Musical Instruments |
|
Yes |
|
Yes |
| Additional
Money and Securities Coverage |
|
Yes |
|
Yes |
| Business
Personal Property |
|
Yes |
|
Yes |
| Special
Computer Coverage (additional perils protection) |
|
Yes |
|
Yes
|
| |
| Optional
Endorsements Available |
|
|
|
|
| Coverage
for Liability Arising from Domestic Employees |
|
Yes
|
|
Yes
|
| Earthquake
Coverage |
|
Yes |
|
Yes |
| Windstorm
and Hail Deductible |
|
No |
|
No |
Coverage
information is intended to be a summary and does not supplement
or replace specific language of the insurance contract.
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