Company Footnotes & Deviations
This section provides the company's explanations regarding their respective policy contract coverages from the department profiles used for the homeowner's premium survey/comparison tool. With the exception of dollar amounts, all profiles are based on the standard homeowners policy format unless it is stated differently in the company footnotes and explanations report.
Standard Policy Format
|
Section I - Property Coverage |
Homeowners |
Mobilehome |
Condominium |
Tenant |
|---|---|---|---|---|
|
Coverage A (Dwelling Coverage Limit) |
$ Amount |
$ Amount |
N/A |
N/A |
|
Coverage B (Other Structure) |
10% of A |
10% of A |
N/A |
N/A |
|
Coverage C (Personal Contents) |
50% of A |
50% of A |
$ Amount |
$ Amount |
|
Coverage D (Additional Living Expense) |
20% of A |
20% of A |
40% of C |
20% of C |
|
Section II - Liability Coverage |
Homeowners |
Mobilehome |
Condominium |
Tenant |
|---|---|---|---|---|
|
Coverage E (Personal Liability) |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
|
Coverage F (Medical Payments to Others) |
$1,000 |
$1,000 |
$1,000 |
$1,000 |
It is important when obtaining coverage to read the contract carefully and know what coverages and limits are provided on your contract.
The Company Footnotes provides explanations provided by the company in regards to the profiles used to calculate the sample homeowner's premiums. Each company has individual guidelines for acceptability, coverages and limits. Consumers trying to obtain coverage should read the contract carefully to determine what is available and provided. For specific questions, please contact the individual companies.
