HO3 Policy vs HE7 & HE20

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Note:This chart is not an insurance contract. It is merely an overview of the coverage limits and how they pertain to each policy form.

Your policy is the contract that specifies and fully describes your coverage.

Please note that there may be additional endorsements that can be purchased for a premium.

Please read your policy carefully and consult your agent with any questions.

Policy Form

HO-3

HE-7

HE-20

Property Coverage

Other Structures

10% of Coverage A

10% of Coverage A

10% of Coverage A

Personal Property

70% of Coverage A

70% of Coverage A

70% of Coverage A

Actual Cash Value

Guaranteed Replacement Cost

Guaranteed Replacement Cost

Replacement Cost can be added.

Loss of Use

Due to Civil authority

2 Weeks

30 Days

30 Days

Due to loss of power

N/A

7 Days

7 Days

Personal Property

Loss Settlement

Actual Cash Value

Replacement Cost

Replacement Cost

Replacement Cost can be added.

Special Limits

Securities

$1,500

$5,500

$5,500

Money, Bank Notes, etc.

$200

$1,000

$1,000

Watercraft (including trailers)

$1,500

$1,500

$2,500

Trailers(not used with watercraft)

$1,500

$1,500

$3,500

Jewelry, Watchers, Furs

$1,500

$5,500

$5,500

Silverware

$2,500

$10,000

$10,000

Firearms

$2,500

$10,000

$10,000

Additional Coverage

Trees, Shrubs, and Plants

500

$1,000 per item

$1,000 per item

Fire Department Service Charge

$500

$1,000

$1,000

Debris Removal

$500 for all fallen trees

$1,000 for all fallen trees

$1,000 for all fallen trees

Refrigerated Property

N/A

$500

$500

Credit and Fund Transfer Cards

$500

Policy Limits

$5,000

Lock Replacement

N/A

N/A

up to $500

Water backup

N/A

Included

Included

Premium

Base

Add ~10%

Add ~15%

Note:This chart is not an insurance contract. It is merely an overview of the coverage limits and how they pertain to each policy form. Your policy is the contract that specifies and fully describes your coverage. Please note that there may be additional endorsements that can be purchased for a premium. Please read your policy carefully and consult your agent with any questions.

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