Western National Home Internal Limits
| HOME | UNIT OWNER | RENTER | |||||
| Subject | Description | Form 0003 | Form 0005 | Form 0006 | Form 0004 | Optional Additional Limits | |
|---|---|---|---|---|---|---|---|
| Select Home Signature Home | Select Home+ Signature Home+ | Select Home+ Signature Home+ | Select Home+ Signature Home+ | Select Home Signature Home | |||
| Business | Incidental business liability coverage | 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 On premise $500 Away |
$5,000 On premise $1,000 Away |
$5,000 On premise $1,000 Away |
$5,000 On premise $500 Away |
$5,000 On premise $1,000 Away |
Up to $7,500 additional at described location Up to $2,500 Away |
|
| 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 | Maximum limit $500,000 | ||
| Defense Costs | Loss of earnings up to $250 per day | Included at Coverage L limit | Not Available | ||||
The “+” means the policy includes our enhancement bundle of increased coverage limits and additional coverage options that are noted in the table above. Inclusion of the enhancement bundle is system generated and subject to eligibility requirements that include, but are not limited to,:
- The home is less than 30 years old, or all systems have had complete renovations in the last 30 years.
- The home has “Protected” fire protection status.
- If a seasonal dwelling, it has smart water monitoring and/or thermostat systems.
- The roof has been replaced in the last 20 years.
| HOME | UNIT OWNER | RENTER | |||||
| Subject | Description | Form 0003 | Form 0005 | Form 0006 | Form 0004 | Optional Additional Limits | |
|---|---|---|---|---|---|---|---|
| Select Home Signature Home | Select Home + Signature Home + | Select Home+ Signature Home + | Select Home+ Signature Home + | Optional Additional Limits | |||
| Electronics | Electronic devices and accessories while in or on a motorized vehicle or watercraft | $1,500 | $1,500 | $2,500 | $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 | 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 | $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 | $5,000 | $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 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 | $5,000 includes misplacing or losing | $2,500 | Up to $7,500 |
| Liability | Base limit for Coverage L | $100,000 | Up to $500,000 | ||||
| Lock Replacement | Coverage for replacement for exterior door locks if the keys are lost or stolen; includes replacement of garage door transmitter | $0 | $500 | $500 | $500 | $0 | Not Available |
| Loss Assessment | Coverage for loss as a result of assessments by a homeowner assocation. $1,500 deductible applies | $1500 | $1500 | $1500 | $1500 | $1500 | Up to $100,000 |
| Medical Payments | Base limit for Coverage M | $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. | $250 | $300 | $500 | $300 | $250 | Up to $500 |
| Securities, stamps, personal records, tickets, accounts, deeds, passports, manuscripts, etc. | $1,500 | $2,500 | $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 | $2,000 | $1,500 | Form 0003, 0004 & 0006 Limits: $1,000 $3,500 $6,000 $8,500 Form 0005 $2,500 $5,000 |
|
| Personal Injury | Coverage for personal injury liability | Optional | Up to $500,000 | ||||
| Personal Property | Base limit for Coverage C | 50% of Coverage A | 70% of Coverage A | Not Available | Available | ||
| Replacement cost coverage for personal property | Optional | Optional | Included | Optional | Optional | Not Available | |
| Special Coverage - All risk coverage with certain exceptions | Optional | Optional | Included | Included | Optional | Not Available | |
| 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 | $2,000 | $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 silver | $2,500 | $2,500 includes misplacing or losing | $2,500 includes misplacing or losing | $2,500 | Up to $9,000 | |
| Stamps and Valuable Papers | Securities, stamps, personal records, tickets, accounts, deeds, passports, manuscripts, etc | $1,500 | $2,500 | $1,500 | $1,500 | Up to $500 | |
| 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 | $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 | Not Available | ||||
| Watercraft and Related Property | Watercraft, including their furnishings, equipment, engines, motors, trailers, and semitrailers | $1,500 | $2,000 | $2,500 | $2,000 | $1,500 | Available on Road & Trail policy |
| 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 in Coverage L | Up to $500,000 | |||||