CONTENTS BROAD FORM COVERAGE (RENTERS INSURANCE)

A special type of homeowners policy is available for those who rent apartments or houses. The policy provides contents coverage for personal property. This is generally household items such as furniture, clothing or appliances. The policy is not designed to cover the structure rented to you. There are special limits in the policy for theft of such items as jewelry, firearms or silverware. and limitations on collectible item and antiques. Here is form information in more detail about this special type of homeowners policy.

SOME PROPERTY NOT COVERED (Excluded) OVERAGE C-PERSONAL PROPERTY—Coverage does not apply for certain items that are specifically insured in this policy or another policy. Animals, birds or fish, motor vehicles and motorized land conveyances (including their equipment and accessories), aircraft and parts, property of roomers, boarders or tenants, property in an apartment regularly rented to others, property rented to others off the residence premises, business data, and credit cards or fund transfer cards are also excluded from coverage. However, the policy does provide coverage for vehicles used to service the residence or that are designed for assisting the handicapped. if the Replacement Cost provision applies.

ADDITIONAL COVERAGES

1. Property Removed—If covered property is being removed from a premises endangered by a covered peril, the property moved has coverage for up to thirty days.

2. Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money—$500 is available if an insured is legally obligated to pay for a theft or unauthorized use of the insured’s credit cards, fund transfer cards; or if there is a loss caused by forgery or alteration of a check or negotiable instrument, or a loss caused by the insured unknowingly accepting counterfeit U.S. or Canadian paper currency.

• Coverage is excluded when the loss involves:

• any illegal act by a person entrusted with a card;
• an insured who has not complied with all of a card’s terms and conditions; or
• any business loss or dishonesty of the insured.

• Covered Causes Of Loss For Property

Perils Insured Against
The Homeowners Form 4 policy covers "broad form" perils. The policy insures against direct loss to property caused by:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Aircraft, including self-propelled missiles and spacecraft
• Smoke, meaning sudden and accidental damage from smoke including, for example, damage from emission through registers caused by furnace malfunction. It does not include smoke from agricultural smudging or industrial operations.
• Vandalism or malicious mischief, excluding loss to property if the dwelling has been vacant for 30 days or more.
• Theft, including attempted theft and loss of property from known location when it is likely that the property has been stolen.
• Falling objects
• Weight of ice, snow or sleet (with respect to property contained in a building)
• Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance.
• Sudden and accidental tearing asunder, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire protective sprinkler system, or an appliance for heating water.
• Freezing of a plumbing, heating or air conditioning system or of a household appliance.
• Sudden and accidental damage from artificially generated electrical current.
• Volcanic eruption

Property Exclusions
Ordinance or Law: the enforcement of any ordinance or law regulating the construction, repair, or demolition of a building or other structure.

• Earth Movement includes the peril of earthquake. Can be included by endorsement for a premium.
• Water Damage: flood, surface water, waves, tidal water, overflow of a body of water, or spray from any of these, whether or not driven by wind; water which backs up through sewers or drains or which overflows from a sump; or water below the surface of the ground, including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool, or other structure.
• Power Failure: the failure of power or utility service if the failure takes place off premises.
• Neglect: neglect of the insured to use all reasonable means to save and preserve property at and after the time of a loss.
• War
• Nuclear Hazard
• Intentional Loss
• Weather conditions
• Acts or decisions, including the failure to act or decide, of any person, group, organization, or governmental body.
• Faulty, inadequate or defective planning, zoning, development, surveying, site design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction materials used in repair, construction, renovation or remodeling; or maintenance of any property whether on or off the residence premises.

SECTION II LIABILITY COVERAGE
PERSONAL LIABILITY COVERAGE E—The policy protects against claims or suits involving an insured for damages from bodily injury or property damage caused by an occurrence covered by this insurance. The insurer will pay up to the limit of liability for damages that the insured is legally liable, including prejudgment interest awards. The policy also provides a legal defense even if the suit is groundless, false or fraudulent. The insurer has full authority to investigate and settle any claim or suit that it decides is appropriate. The insurer's duty ends when the amount paid is equal to the limit of insurance stated in the policy.

Section II-Liability Exclusions
The Renters policy prohibits coverage for losses that an insured expects or intends or that arises out of or in connection with an insured’s business. The policy also excludes:

• the rental of any part of any premises. There is an exception for the rental of an insured location if it is done on an occasional basis, for use as a residence, office, school, studio, or private garage
• professional liability
• any premises owned by or rented to an insured, or rented to others by the insured that is not an insured premises.
• ownership, maintenance, use, loading or unloading of motor vehicles or motorized land conveyances (including trailers). The exclusion includes the entrustment of such property to any person as well as to any vicarious liability from the actions of a child or minor using such property.
• ownership, maintenance, use, loading, or unloading of an excluded watercraft.
• ownership, maintenance, use, loading or unloading of an aircraft; entrustment by an insured of an aircraft to any person; or vicarious liability for the actions of a child or minor using an aircraft.
• war, insurrection, rebellion, revolution; warlike acts; destruction, seizure, etc.;
• transmission of a communicable disease;
• sexual molestation, corporal punishment or physical or mental abuse; or,
• the use, sale, manufacture, delivery, transfer, or possession by any person of a Controlled Substance(s)
   

Section II-Additional Coverages

Claims—The special homeowners policy covers the expenses and costs assessed against an insured in any suit that the insurer defends including any premiums on bonds required in that suit; reasonable expenses incurred at the request of the insurer; and if there is an entry of judgment, the insurer will pay any interest on the entire amount that accrues before the insurer makes payment.

First aid expenses—The policy covers first aid expenses to others. No coverage is provided to any insured.

Damage to property of others—A maximum of $500 exists to pay for the property of others damaged by an insured.