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%