Optional Coverage Endorsements

Subject Description Form 3 Standard Form 3 Preferred Form 5 Form 6 Standard Form 6 Preferred Form 4 Optional Additional Limits
Business Incidental Business Liability coverage. Included at Coverage L limit Included at Coverage L limit Included at Coverage L limit Included at Coverage L limit Included at Coverage L limit Included at Coverage L limit Up to $500,000
Coverage for personal property used in business - at the described location and away from the described location. $2,500; $500 away $5,000; $1,000 away $5,000; $1,000 away $2,500; $500 away $5,000; $1,000 away $2,500; $500 away Up to $7,500 additional at the described location; up to $1,500 away
Coverage A - Expanded Replacement Cost Additional insurance if the cost to rebuild the damaged part of the structure exceeds the Coverage A limit. 0% included; 25% available 50% included in all states; “Guaranteed - no limit” available in WI 50% included in IA, MN, and SD; “Guaranteed - no limit” included in WI Not Applicable Not Applicable Not Applicable See information to the left
Coverage A - Unit Owners Coverage for all risk of direct physical loss with certain exceptions for building additions and alterations. Not Applicable 10% of Coverage C Included Not Applicable Available
Defense Costs Loss of earnings up to $250 per day. Included at Coverage L limit Not Applicable
Electronics Electronic devices and accessories while in or on a motorized vehicle or watercraft. $1,500 $1,500 $2,500 $1,500 $1,500 $1,500 Up to $1,000
Electronic devices and accessories used primarily for business purposes while away from the described location and not in or on a motorized vehicle or watercraft. $1,500 $1,500 $2,500 $1,500 $1,500 $1,500 Up to $1,000
Fire Department The limit applies to the incidental coverage for fire department service charges. $1,000 $1,000 $2,000 $1,000 $1,000 $500 $500 increments
Grave Markers The limit that applies to direct physical loss to grave markers and mausoleums on or away from the described location. $2,500 $5,000 $2,500 $5,000 $2,500 Not Available
Guns Loss by theft of guns and items related to guns. $2,500 $2,500 $2,500 includes misplacing or losing $2,500 $2,500 includes misplacing or losing $2,500 Available
Identity Theft Identity Fraud Expense coverage (primary dwellings only). $10,000 Up to $50,000
Inflation Protection (Coverage A through D) Automatic adjustments for inflation. Included Not Available
Jewelry- Unscheduled Loss by theft of jewelry, watches, precious and semiprecious stone, gems, and furs. $2,500 $2,500 $2,500 includes misplacing or losing $2,500 $5,000 includes misplacing or losing $2,500 Up to $1,500 (Standard) Up to $5,000 (Preferred)
Liability Base limit for Coverage L. 100,000 Up to $500,000
Lock Replacement Coverage for replacement of exterior door locks if the keys are lost or stolen; includes replacement of garage door transmitter. $0 $500 $500 $0 $500 $0 Not Available
Loss Assessment Association deductible; No deductible applies. $1,500 $1,500 $1,500 $1,500 $5,000 $1,500 Up to $100,000
Coverage for homeowner association assessments that are not due to association policy deductibles; No deductible applies. $1,500 $1,500 $1,500 $1,500 $5,000 $1,500 Up to $100,000
Medical Payments Base limit for Coverage M. $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 Up to $10,000
Mold Limited coverage for damage or injury caused by bacteria, fungi, wet or dry rot (IA and WI only). $10,000 aggregate limit for property, including testing and clean up; $50,000 annual aggregate limit for liability. Not available
Excluded (MN & SD) No coverage included Not available
Money, Gold, Silver, Stamps, Valuable Papers Money, bank notes, gold, platinum, silver (other than silverware), etc. Limited coverage for damage or injury caused by bacteria, fungi, wet or dry rot (IA and WI only). $250 $300 $500 $250 $300 $250 Up to $500
Securities, stamps, personal records, tickets, accounts, deeds, passports, manuscripts, etc. $1,500 $1,500 $2,500 $1,500 $1,500 $1,500 Up to $500
Credit card; electronic fund transfer card or access device; forgery; and counterfeit money; No deductible applies. $1,500 $2,000 $5,000 $1,500 $2,000 $1,500 Forms 3, 4, 6 limits $1,000; $3,500; $6,000; $8,500 Form 5 limits $2,500 and $5,000
Personal Injury Coverage for personal injury liability. Optional Included at Coverage L limit Included at Coverage L limit Optional Included at Coverage L limit Optional Up to $500,000
Personal Property Base limit for Coverage C. 70% of Coverage A 70% of Coverage A 70% of Coverage A Not applicable Not applicable Not applicable Available
Replacement Cost coverage for personal property. Optional Included Included Optional Included Optional See information to the left
Replacement Cost coverage for antiques, memorabilia, and obsolete items (MN only). $5,000 antiques, $1,000 memorabilia, $500 obsolete items Schedule
Special Coverage - All risk coverage with certain exceptions. Optional Optional Included Optional Included Optional See information to the left
Coverage for property in rental units. $2,500 Not available Available
Pollution Liquid fuel remediation. $10,000 Not available
Property Damage Liability coverage for damage to property of others. $1,000 $2,000 $5,000 $1,000 $2,000 $1,000 Not available
Refrigerated Property Coverage for damage to contents of a refrigerator; No deductible applies. $500 $1,000 $500 Available
Silverware Loss by theft of silverware, gold ware, etc.; and items plated with gold or silveroverage for damage to contents of a refrigerator; No deductible applies. $2,500 $2,500 includes misplacing or losing $2,500 $2,500 includes misplacing or losing $2,500 Up to $9,000 additional
Stamps and Valuable Papers Securities, stamps, personal records, tickets, accounts, deeds, passports, manuscripts, etc. $1,500 $2,500 $1,500 Up to $500 additional
Tenant’s Improvements Coverage for building improvements made at the tenant’s expense. Not applicable 10% of Coverage C Available
Trailers and Semitrailers Trailers and semitrailers not used with watercraft. $1,500 $2,000 $2,500 $1,500 $2,000 $1,500 Schedule
Trees Debris removal for fallen trees; not subject to damage to property or obstruction of access if caused by wind, hail, or weight of ice, snow, or sleet. $500 per tree and $1,000 per occurrence 5% of applicable limit to a maximum of $500 per tree and $1,000 per occurrence Not available
Coverage for trees, plants, or shrubs on the residence premises for specified perils. 5% of Coverage A; maximum $500 per tree, plant, or shrub 10% of Coverage C; maximum $500 per tree, plant, or shrub 10% of Coverage C; maximum $500 per tree, plant, or shrub 10% of Coverage C; maximum $500 per tree, plant, or shrub Not available
Watercraft and Related Property Watercraft, including their furnishings, equipment, engines, motors, trailers, and semitrailers. $1,500 $2,000 $2,500 $1,500 $2,000 $1,500 Schedule
Liability coverage for owned boats with outboard motors up to 75 HP (IA, MN, SD) - Liability coverage for owned boats with outboard motors (no maximum horsepower WI only). Included at Coverage L limit Up to $500,000
Non owned watercraft up to 50HP. Included at Coverage L limit Up to $500,000
Liability coverage for boats with Inboard motors up to 50 HP. Included at Coverage L limit Up to $500,000
Coverage for liability resulting from a sailboat up to 26 feet. Included at Coverage L limit Up to $500,000
Replacement cost coverage for portable docks and lifts. Included at Coverage C limit Can be scheduled
Replacement cost coverage for ice fishing houses. Included at Coverage C limit Can be scheduled
7/1/2016

Protective Devices

A premium credit can be given for the installation of approved and properly maintained alarm and / or monitoring systems, which include:

  • Central Station Burglary and / or Fire Alarms -5%
  • Fire Alarm with phone alert -3%
  • Local Alarms, including burglary and / or fire -2%
  • Automatic Water Shut-Off System – 8%
  • Temperature Monitoring System (seasonal dwellings only) – 5%
  • Water Monitoring System (seasonal dwellings only) -5%