ࡱ> ` *,bjbjss 4o#|||||||+++8+T,F<-(d-z-z-z-Y.... EEEEEEE$Hh'KE|/U.Y.//E||z-z-EL535353/|z-|z-E53/E5353@||:Bz-0- H+_0A^C<!FFAXKC2K :B:B8K|rB.>.,53/$5/...EE2d...F////$! !|||||| Homeowners Insurance Coverage Descriptions: What Does This Mean? Note: The following review of policy terms and issues is for your information only. This is not a complete description of your policys exact coverage terms, conditions, exclusions and limitations; please see your policy for exact coverage afforded under this policy or call us with your questions. For definition of terms, visit our website at  HYPERLINK "http://www.hdinsure.com" www.hdinsure.com & click on Have a Question about an Insurance Term, found on our home page Coverage A, Dwelling: This part of the policy pays for damages to the structure of your home, townhouse, or condominium (real property)There are three types of covered causes of loss forms available. Form 1 provides protection for very basic causes of loss. Form 2 provides broad form a much better policy, and Form 3 provides special perils coverage. Personal liability protection is available by endorsement to the dwelling policy but is not always automatic.Coverage B, Other Structures: This part of the policy pays for damages to other structures on the premisesOther structures/real property that are located on the same premises as the main building insured under a homeowners insurance policy. Generally, these buildings are of lesser value. Common examples are detached garages, sheds, pool houses, etc.Coverage C, Personal Contents: This part of the policy pays for damages to your personal property not otherwise limited or excluded. Property other than real property. Coverage of personal property and household goods against loss by insured causes in and out of residential premises. Certain types of property are completely excluded (ex: electronic devices made for vehicles). Computers, Tools, Oriental Rugs, & Business Property may also be limited or excludedSpecial Property Limitations: Other types of property have maximum limits that will be paid in the event of damage or theft: Jewelry/Watches, Furs, Silver/Gold/ Pewter wares & Bullion, Guns, Money, Securities, and Stamps being the most common with limits typically falling below $2,500. Scheduled Personal Property: These coverage limitations can be eliminated by special coverage endorsements to the homeowners policy.Homeowners policies do not cover stones falling out of jewelry settings, mysterious disappearance, cracked stones, or typically values in excess of $1,500 in the event of theft. Get these coverages and more, when you specifically list your jewelry, guns, cameras, computers, collectibles, fine arts, sports equipment, musical instruments and more. If you have this coverage already, don't forget to update these values every few years.Coverage D, Loss of Use Insurance which compensates you for your inability to live in your home which is destroyed or damaged by an insured cause of loss. Examples of reimbursable items: Cost to rent another home or unit while your home is being repaired, etc.Coverage E, Personal Liability Pays when you are legally liable for injury or death caused by your Negligence. Excludes negligence arising out of the use of a car, boat, or airplane but does include almost every personal activity except such as may arise from the operations of a business. Legal fees & court costs are also included. Coverage F, Medical PaymentsProtection to pay the cost of medical care to an injured person, resulting from activities arising from your residence, regardless of whether you are liable. Extended Replacement Cost Insurance company may pay up to 150% or more than the policy limits toward damages to the home caused by a covered cause of a loss. The percentage varies by insurer; coverage is NOT automatic. Ordinance or Law CoverageThis endorsement amends the replacement cost provision in the policy to include the cost superior construction as required by law; coverage may not be automatic depends on the insurer. Ask for it.Replacement Cost for Your Personal PropertyThis form of insurance provides coverage on the basis of full replacement cost without deduction for depreciation on any loss sustained. Certain types of property are not eligible for this endorsement: Rugs, antiques, art, etc.Standard Property Exclusions: just a few to ponder; check your policy for exact language Earthquake, flood, water backup from sewers, neglect, intentional, governmental seizure, wear & tear, damage by animals, motorized vehicles (may include motorized lasers & Barbie cars, bursting of frozen pipes, mechanical breakdown, pollutants, settling/shrinkingWorkers Compensation Is required for all California employers, including homeowners who e employ part-time or full time labor including home care attendants. Occasional employment is generally covered automatically under a California homeowners policy domestic coming in ever other week is a good example; more full-time exposures (weekly domestic services) needs a separate full-time workers comp endorsement. Personal Injury Typically, Injury, other than bodily injury, resulting from false arrest, false detention, false imprisonment, malicious prosecution, wrongful eviction, wrongful entry, or the invasion of privacy of a premises. Language varies from insurer to insurer.Shared Ownership: Condos & Town HomesReview your CC&Rs (rule book for your association). Are you responsible for structural damage inside the unit from the fire wall, from the dry wall, or not at all? Tip: Often, Town Homes require the entire structure to be insured by YOU. Earthquake & FloodThere are exclusions for certain types of damage in the homeowners policy; earthquake & flood are excluded as are other types of damage such as wear & tear, seepage, mold, damage by animals, etc. Please refer to your policy for details.In-Home Businesses Homeowners policy excludes claims arising from business activities, for both Property and Liability protection. Detached garage, in which business is conducted, is subject to coverage being voided unless policy is amended.Rented Premises If any part of your home is rented to others, there may be coverage Limitations or complete Exclusions unless the policy is modified. Motorized Scooters, Kid- Cars, Boats, Mopeds, Jet Skis, Go-Karts, etc.These low impact motorized vehicles & scooters, boats, planes, and Skis are excluded for liability insurance and, for the most part, Property protection unless the policy is modified. In some cases, like jet skis, boats & planes, separate policies are required.Vacancy Clause: If your Home is Vacant, your Insurance protection for your home is suspended.. Classically, damages from Vandalism and malicious mischief, and any ensuing loss caused by any intentional and wrongful act committed in the course of the vandalism or malicious mischief, is excluded if the dwelling has been vacant for more than 60 consecutive days immediately before the loss. Most insurance companies in CA have a 30-day clause, and CA insurers tend to also exclude damage to glass while the building sits vacant Who is Insured? Trusts and LLCs need to be named. You, spouses, resident relatives; anyone else should be named to be safe although some policies have broadened definitions. Insured Locations:Generally, these include your residence, vacant land, & anywhere You are temporarily residing (hotel, etc). Standard Personal Liability Exclusions: Policy doesnt cover professional, business, workers comp, (except where coverage is specifically granted), airplane, watercraft, or rental exposures or claims. Properly endorsed, the homeowners policy can be directed to cover some of these exposures.  NOTICE: Over the years, we have worked to streamline our office procedures so as to make sure we can devote as much time to your needs as we can. One of the procedures we adopted and announced several times bears repeating once again: We do not duplicate the insurance companies efforts at sending late billing reminders or cancellation notices, of which you will receive at least 3 notices from your insurance company at each policy renewal. It is a redundant task, and it does nothing but confuse most of our customers when we duplicate the companies efforts. Since 1991 we have not sent out late-payment or impending cancellation notices. If you fear for not receiving a bill if you do not have faith in the U.S. Mail to deliver your premium notice we urge you to either calendar your payment dates or put your insurance payments on automatic by calling the insurance companys billing department to establish a checkless payment plan. If you need assistance in contacting your insurance companys billing department, we will be happy to give you the contact numbers! Just call Ronda at extension 13 or go to  HYPERLINK "http://www.hdinsure.com/" www.hdinsure.com and you will find the numbers at your insurance company to call. Otherwise, please call us; well be glad to help you!     Huggins/Dreckman Insurance Agency, Inc. 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