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Select Home and Signature Home Program Features

Forms and Perils Covered

Umialik homeowner forms, covered perils, and coverage
Coverage	HO 0003 Homeowner	HO 0005 Homeowner	HO 0006 Unit Owner	HO 004 Renter
A - Dwelling	All risks of direct physical loss with certain exceptions.	All risks of direct physical loss with certain exceptions.	All risks of direct physical loss with certain exceptions.	No Coverage
B - Other Structures	All risks of direct physical loss with certain exceptions.	All risks of direct physical loss with certain exceptions.	No Coverage	No Coverage
C - Personal Property	Named Peril*	All risks of direct physical loss with certain exceptions.	Named Peril*	Named Peril*
D - Additional Living Costs and Loss of Rent	All risks of direct physical loss with certain exceptions.	All risks of direct physical loss with certain exceptions.	Named Peril*	Named Peril*

*Named Perils Covered: Fire or Lightning; Windstorm or Hail; Explosion; Riot or Civil Commotion; Aircraft; Vehicles; Sudden and Accidental Damage from Smoke; Volcanic Eruption; Vandalism or Malicious Mischief; Theft; Falling Objects; Weight of Ice, Snow, or Sleet; Sudden and Accidental Tear Apart, Cracking, Burning or Bulging; Accidental Discharge or Overflow of Water or Steam; Freezing; Sudden and Accidental Damage From Artificially Generated Electrical Currents; Sinkhole Collapse.