Additional Homeowners Coverages

In All Homeowners Forms

In addition to the four coverages just discussed, the Homeowners form contains certain Additional Coverages. The following coverages are included in all Homeowners forms.

Homeowners Coverages

Debris Removal: Pays expenses to remove debris from covered property if a covered peril caused the loss. Under specific conditions, it also covers removal of fallen trees from the residence premises. For coverage to apply, the tree must have damaged a covered structure, be blocking access to a driveway, or be blocking a ramp designed for a handicapped person. Removal expense is permitted for the insured's trees only if the trees are felled by windstorm or hail or the weight of ice, snow or sleet. Removal expense is permitted for a neighbor's trees only if the trees were felled by a peril insured against under Coverage C. 

Except for fallen trees, debris removal is included in the policy limits; however, up to an additional 5% of that limit may be applicable. No matter how many trees fall, a maximum of $1000 is available for tree debris removal for one occurrence, with a maximum of $500 per tree.

Reasonable Repairs: Pays the reasonable cost incurred by the insured for repairs necessary to protect covered property from further loss after being damaged by a covered peril.

Trees, Shrubs And Other Plants: Covers trees, shrubs and plants on the residence premises for loss by fire, lighting, explosion, riot, aircraft , vehicles not owned by a resident, theft, and vandalism or malicious mischief. Coverage is limited to a maximum of $500 for any one tree, shrub or plant.

Fire Department Service Charge: Pays up to $500 when the fire department is called to save or protect covered property from a covered peril. No deductible applies to this coverage. This coverage is not available for property located within the limits of the city furnishing the fire department service.

Property Removed: Covers property against direct loss from any peril while being removed from a premises endangered by a covered peril, for up to 30 days while removed.

Credit Card, Electronic Fund Transfer Card or Access Device, Forgery, And Counterfeit Money: Pays up to $500 for the insured's legal obligation to pay losses resulting from:

• Theft or unauthorized use of these cards
• Forgery or alteration of the insured's checks
• The insured's acceptance in good faith of counterfeit money
• Coverage does not apply to loss arising out of business use or dishonesty of an insured. No deductible applies to this coverage.