| |
TDP1 includes EC |
TDP2 includes EC |
TDP3 includes EC |
|
Property |
|
|
|
|
Dwelling |
X |
X |
X |
|
Adjacent Structures (Percentage
of dwelling) |
X |
X |
X |
|
Replacement Cost (Usually
requires co-insurance) |
|
|
X |
|
Extended Coverage (EC) |
|
|
|
|
Consequential Loss |
X |
X |
X |
|
Reasonable Repairs |
X |
X |
X |
|
Lawns, Shrubs, Trees, Plants |
|
|
X |
|
Debris Removal |
X |
X |
X |
Loss Of Use if owner occupied -
(
Additional living expense) |
|
|
X |
|
Insured Perils |
|
|
|
|
Fire and Lightning |
X |
X |
X |
|
Smoke Damage (Sudden) |
X |
X |
X |
|
Windstorm, Hail and Hurricane
(Excluded in some coastal areas) |
X |
X |
X |
|
Malicious Mischief |
X |
X |
X |
|
Vandalism |
X |
X |
X |
|
Damage caused by explosion |
X |
X |
X |
|
Civil commotion and riot |
X |
X |
X |
|
Damage caused by vehicle |
X |
X |
X |
|
Collapse of Building |
|
X |
X |
|
Freezing of Plumbing |
|
X |
X |
|
Falling Objects |
|
X |
X |
|
Optional Coverages |
|
|
|
|
Fair Rental Value (Replaces rent
lost from covered perils) |
|
X |
X |
|
Premises Liability /Medical |
X |
X |
X |
|
Accidental discharge of water |
|
X |
X |
|
Personal computer coverage |
X |
X |
X |
|
Identity fraud (owner occupied) |
X |
X |
X |
|
Residence glass coverage |
X |
X |
X |
