|
ITEM
|
DWELLING FORM
|
GEN. PROP. FORM
|
RCBAP
|
|
Additional Living Expenses
|
NO
|
NO
|
NO
|
|
Appurtenant Structures
|
YES; 10% of Building limit of liability can be applied to a qualifying detached garage at described location.
|
NO
|
NO
|
|
Awnings
|
ACV, if attached to bldg.
|
ACV, if attached to bldg.
|
ACV, if attached to bldg.
|
|
Building Fixtures
|
Listed
|
Listed
|
Listed
|
|
Carpeting
|
ACV; no overhead and profit
|
ACV; no overhead and profit
|
ACV; no overhead and profit
|
|
Construction Before Walled & Roofed
|
YES; two times the deductible
|
YES; two times the deductible
|
YES; two times the deductible
|
|
Debris Removal
|
YES
|
YES
|
YES
|
|
Decks
|
NO; limit of 16 sq. feet
|
NO; limit of 16 sq. feet
|
NO; limit of 16 sq. feet
|
|
Deductible
|
Applied separately to building and contents
|
Applied separately to building and contents
|
Applied separately to building and contents
|
|
Loss Avoidance Measures (Mitigation), Pre-Flood
|
Limited coverage, $1,000
|
Limited coverage, $1,000
|
Limited coverage, $1,000
|
|
Exterior Paint
|
YES
|
YES
|
YES
|
|
Fences
|
NO
|
NO
|
NO
|
|
Hot Tubs & Spas
|
YES, if they are bathroom fixtures
|
YES, if they are bathroom fixtures or stock
|
YES, if they are bathroom fixtures
|
|
Hurricane Shutters
|
YES
|
YES
|
YES
|
|
ICC
|
YES, except Emergency Program and Group Policy
|
YES, except Emergency Program
|
YES, except Emergency Program
|
|
Improvements & Betterments
|
YES; if tenant has personal property coverage, we cover cooking stove, range, and refrigerator. 10% of personal property coverage will cover other tenant-installed improvements.
|
10% of personal property coverage
|
Yes
|
|
Loss Assessments
|
YES
|
NO
|
NO
|
|
Loss of Rents
|
NO
|
NO
|
NO
|
|
Ordinance or Law
|
ICC only see Exclusion A.6
|
ICC only see Exclusion A.6.
|
ICC only see Exclusion A.6.
|
|
Pollutants
|
YES
|
YES, up to $10,000
|
YES
|
|
Power Failure
|
YES, if caused by flood on the described location
|
YES, if caused by flood on the described location
|
YES, if caused by flood on the described location
|
|
Replacement Cost, Building
|
YES, if insured to 80% of RC and insured lived at risk 80% of previous 365 days
|
NO
|
YES, with coinsurance provision
|
|
Replacement Cost, Personal Property
|
NO
|
NO
|
NO
|
|
Screened Porches
|
YES, unless below elevated floor (Post-FIRM)
|
YES
|
YES
|
|
Storage Sheds
|
NO
|
NO
|
NO
|
|
Stove & Refrigerator
|
Building ACV, if tenant’s contents
|
Building ACV, if tenant’s contents
|
Building ACV
|
|
Swimming Pools/Hot Tubs
|
NO
|
NO
|
NO
|
|
Temporary Repairs
|
NO
|
NO
|
NO
|
|
Trees
|
NO
|
NO
|
NO
|
|
Venetian Blinds
|
Building ACV
|
Building ACV
|
Building ACV
|
|
Walkways
|
NO
|
NO
|
NO
|