Frequently Asked Coverage Questions. Connecticut. $5000 subject to $250 deductible

Transcription

1 Homeowners: Connecticut HO CTCEA CTHCA $2500 subject to $250 deductible Tree removal: HO CTCEA CTHCA Refrigerator loss: CTCEA CTHCA HO Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 1

2 CT Cont. Dwelling fire; DP The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the residence premises once it has been cut off the damaged covered structure DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 Food Spoilage: BP Spoilage Coverage-limits as appears on schedule 2

3 CT Cont. BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE Limit $10,000 in any one occurrence subject to the policy Limit $10,000 in any one occurrence subject to the policy Limit $10,000 in any one occurrence subject to the policy 3

4 Massachusetts Homeowners: HO MACEA MAHCA $2500 subject to $250 deductible Tree removal: HO MACEA MAHCA Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it Refrigerator loss: VMCEA MACEA MAHCA HO $500 with a $50 deductible $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible 4

5 MA Cont. HO HODEDMA HODEDWD Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible Percentage Deductible-2% of limit of liability applicable to Coverage A-Dwelling Percentage Deductible- 5% of limit of liability applicable to Coverage A-Dwelling Dwelling Fire: The policy only pays to remove the tree off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered structure DP DP DPDEDMA Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E 2% wind & hail deductible $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure 5

6 MA Cont. Water Back Up or Sump Overflow; BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 Food Spoilage: BP Spoilage Coverage-limits as appears on schedule BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE

7 Maine Homeowners: HO MECEA MEHCA $2500 subject to $250 deductible Tree removal: HO MECEA MEHCA Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it Refrigerator loss: MECEA MEHCA HO $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 7

8 ME Cont. Dwelling fire: The policy only pays to remove the tree off the damaged covered property and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered property DP DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: BCEE $10,000 subject to the policy deductible or a $250 deductible whichever is less BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 Food Spoilage: BP Spoilage Coverage-limits as appears on schedule 8

9 ME Cont. BP Deductibles 1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE

10 New York Homeowners: HO NYCEA NYHCA $2500 subject to $250 deductible Tree removal: HO NYCEA NYHCA Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it Refrigerator loss: NYCEA NYHCA HO $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 10

11 N Y Cont. Dwelling fire; The policy only pays to remove the tree off the damaged covered property and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered property DP DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 Food Spoilage: BP Spoilage Coverage-limits as appears on schedule 11

12 N Y Cont. BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE

13 New Hampshire Homeowners: HO NHCEA NHHCA $2500 subject to $250 deductible Tree removal: HO NHCEA NHHCA Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it Refrigerator loss: NHCEA NHHCA HO $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 13

14 NH Cont. Dwelling fire; The policy only pays to remove the tree off the damaged covered property and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered property and set on the ground DP DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: Food Spoilage: BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BP Spoilage Coverage-limits as appears on schedule 14

15 NH Cont. BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE

16 Rhode Island Homeowners: HO RICEA RIHCA $2500 subject to $250 deductible Tree removal: HO RICEA RIHCA Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it Refrigerator loss: RICEA RIHCA HO $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 16

17 RI Cont. Dwelling fire: The policy only pays to remove the tree off the damaged covered property and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered property DP DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 Food Spoilage: BP Spoilage Coverage-limits as appears on schedule 17

18 RI Cont. BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE Limit 10,000 in 1 occurrence subject to the policy Limit 10,000 in 1 occurrence subject to the policy Limit 10,000 in 1 occurrence subject to the policy 18

19 Vermont Homeowners: HO VTCEA or VMCEA $2500 subject to $250 deductible VTHCA Tree removal: HO Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible VTCEA or VMCEA Same as the coverage provided in the HO3, as stated above, and also gives an additional $500 to remove it VTHCA above, and also gives an additional $1000 to remove it Refrigerator loss: VTCEA or VMCEA $500 with a $50 deductible VTHCA HO $1000 with a $50 deductible $500 with a $100 deductible 19

20 VT Cont. HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible Dwelling fire; The policy only pays to remove the tree off the damaged covered property and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered property DP DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 20

21 VT Cont. Food Spoilage: BP Spoilage Coverage-limits as appears on schedule BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE