Homeowners: Connecticut HO 04 95 11 92 CTCEA 10 07 CTHCA 01 08 $2500 subject to $250 deductible Tree removal: HO 00 03 04 91 CTCEA 10 07 CTHCA 01 08 Refrigerator loss: CTCEA 10 07 CTHCA 01 08 HO 04 98 04 91 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 03 12 10 93 Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 1
CT Cont. Dwelling fire; DP 04 95 11 92 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 03 12 05 94 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 12 98 $10,000 subject to the policy deductible or a $250 BCEE 05 09 $25,000 subject to the policy deductible or a $250 BCEE 04 10 $25,000 subject to the policy deductible or a $250 Food Spoilage: BP 04 15 01 97 Spoilage Coverage-limits as appears on schedule 2
CT Cont. BP 03 12 01 96 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 12 98 BCEE 05 09 BCEE 04 10 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
Massachusetts Homeowners: HO 04 95 11 92 MACEA 05 07 MAHCA 05 07 $2500 subject to $250 deductible Tree removal: HO 00 03 04 91 MACEA 05 07 MAHCA 05 07 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 05 07 MACEA 05 07 MAHCA 05 07 HO 04 98 04 91 $500 with a $50 deductible $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible 4
MA Cont. HO 03 12 10 93 HODEDMA 12 04 HODEDWD 06 04 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 04 95 1192 DP 03 12 05 94 DPDEDMA 12 04 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
MA Cont. Water Back Up or Sump Overflow; BCEE 12 98 $10,000 subject to the policy deductible or a $250 BCEE 05 09 $25,000 subject to the policy deductible or a $250 BCEE 04 10 $25,000 subject to the policy deductible or a $250 Food Spoilage: BP 04 15 01 97 Spoilage Coverage-limits as appears on schedule BP 03 12 01 96 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 12 98 BCEE 05 09 BCEE 04 10 6
Maine Homeowners: HO 04 95 11 92 MECEA 06 98 MEHCA 03 08 $2500 subject to $250 deductible Tree removal: HO 00 03 04 91 MECEA 06 98 MEHCA 03 08 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 06 98 MEHCA 03 98 HO 04 98 04 91 $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO 03 12 10 93 Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 7
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 04 95 11 92 DP 03 12 05 94 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 12 98 $10,000 subject to the policy deductible or a $250 deductible whichever is less BCEE 05 09 $25,000 subject to the policy deductible or a $250 BCEE 04 10 $25,000 subject to the policy deductible or a $250 Food Spoilage: BP 04 15 01 97 Spoilage Coverage-limits as appears on schedule 8
ME Cont. BP 03 12 01 96 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 12 98 BCEE 05 09 BCEE 04 10 9
New York Homeowners: HO 04 95 11 92 NYCEA 01 99 NYHCA 04 08 $2500 subject to $250 deductible Tree removal: HO 00 03 04 91 NYCEA 01 99 NYHCA 04 08 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 01 99 NYHCA 04 08 HO 04 98 0491 $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO 03 12 10 93 Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 10
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 04 95 11 92 DP 03 12 05 94 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 12 98 $10,000 subject to the policy deductible or a $250 BCEE 05 09 $25,000 subject to the policy deductible or a $250 BCEE 04 10 $25,000 subject to the policy deductible or a $250 Food Spoilage: BP 04 15 01 97 Spoilage Coverage-limits as appears on schedule 11
N Y Cont. BP 03 12 01 96 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 12 98 BCEE 05 09 BCEE 04 10 12
New Hampshire Homeowners: HO 04 95 11 92 NHCEA 10 07 NHHCA 10 07 $2500 subject to $250 deductible Tree removal: HO 00 03 04 91 NHCEA 10 07 NHHCA 10 07 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 10 07 NHHCA 10 07 HO 04 98 04 91 $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO 03 12 10 93 Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 13
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 04 95 11 92 DP 03 12 05 94 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 12 98 $10,000 subject to the policy deductible or a $250 BCEE 05 09 $25,000 subject to the policy deductible or a $250 BCEE 04 10 $25,000 subject to the policy deductible or a $250 BP 04 15 01 97 Spoilage Coverage-limits as appears on schedule 14
NH Cont. BP 03 12 01 96 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 12 98 BCEE 05 09 BCEE 04 10 15
Rhode Island Homeowners: HO 04 95 11 92 RICEA 04 08 RIHCA 04 08 $2500 subject to $250 deductible Tree removal: HO 00 03 04 91 RICEA 04 08 RIHCA 04 08 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 04 08 RIHCA 04 08 HO 04 98 04 91 $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO 03 12 10 93 Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 16
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 04 95 11 92 DP 03 12 05 94 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 12 98 $10,000 subject to the policy deductible or a $250 BCEE 05 09 $25,000 subject to the policy deductible or a $250 BCEE 04 10 $25,000 subject to the policy deductible or a $250 Food Spoilage: BP 04 15 01 97 Spoilage Coverage-limits as appears on schedule 17
RI Cont. BP 03 12 01 96 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 12 98 BCEE 05 09 BCEE 04 10 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
Vermont Homeowners: HO 04 95 11 92 VTCEA 08 07 or VMCEA 05 07 $2500 subject to $250 deductible VTHCA 08 07 Tree removal: HO 00 03 04 91 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 08 07 or VMCEA 05 07 Same as the coverage provided in the HO3, as stated above, and also gives an additional $500 to remove it VTHCA 08 07 above, and also gives an additional $1000 to remove it Refrigerator loss: VTCEA 08 07 or VMCEA 05 07 $500 with a $50 deductible VTHCA 08 07 HO 04 98 04 91 $1000 with a $50 deductible $500 with a $100 deductible 19
VT Cont. HO 03 12 10 93 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 04 95 11 92 DP 03 12 05 94 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 12 98 $10,000 subject to the policy deductible or a $250 BCEE 05 09 $25,000 subject to the policy deductible or a $250 BCEE 04 10 $25,000 subject to the policy deductible or a $250 20
VT Cont. Food Spoilage: BP 04 15 01 97 Spoilage Coverage-limits as appears on schedule BP 03 12 01 96 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 12 98 BCEE 05 09 BCEE 04 10 21