Additional Coverage

The following information applies to an HO 3 Policy which is the most purchased Homeowners Insurance Policy.  Should the policy you currently have is any other than an HO 3 and have any questions pertaining to coverage, we encourage that you seek the aide of an insurance expert who can help answer any questions and assist you with the review of coverage offered by the policy you currently have or are thinking about purchasing.

(Additional Coverage / Under Section I of your HO Policy.)

Additional coverage is provided within the policy and do not increase the premium of the policy.  Keep in mind that the peril (damages from certain circumstances) which causes the damage must be covered by the HO Policy in order to put into effect the additional coverage provided.

The following additional property related coverage can be found under Section I - Coverage C - Personal Property.
 
   Reasonable repairs coverage.
   Debris removal coverage.
   Trees, shrubs, and other plants coverage.
   Fire department charges coverage.
   Personal property removal coverage.
   Unauthorized use of credit card(s) coverage.
   Loss assessment coverage.
   Collapse coverage.
   Glass coverage.
   Landlord furnishings coverage.

REASONABLE REPAIRS COVERAGE
 
Coverage towards reasonable repairs is provided under additional property related coverage.

Coverage will apply to the reasonable cost incurred (by you) for taking necessary measures to protect your property from damages caused by a peril (damages from certain circumstances) listed under the policy.


EXAMPLE:
The strong winds of a windstorm caused damage to your roof and you took necessary measures to do temporary repairs to help prevent any damages to your personal property (contents) and interior of your home.  Reasonable repairs coverage would apply towards the cost for the temporary repair you provided to help protect your property. Be sure that you maintain receipts of your purchased materials as your insurance company will reimburse you for the cost towards your temporary repairs.


REMEMBER
Payments for any temporary repairs you do to the roof, walls, doors and even covering your shattered windows with plastic or board will be reimbursed only if the damage is caused by a listed peril (damages from certain circumstances) covered under the policy.

DEBRIS REMOVAL COVERAGE
 
Coverage towards debris removal is provided under additional property related coverage.

The cause of loss to your property by fire which is a covered peril under any Homeowners Insurance Policy will certainly leave an amount of debris to be removed as part of the repair operations.

Keep in mind that the cost for debris removal is included in the limit of liability that applies to damaged property. Should the cost for the actual damage to the property and the cost of the debris removal exceed the dollar amount in the limits of liability that the policy provides, an additional 5 percent of the limit of liability coverage will kick in (debris removal coverage) and be applied towards the cost of the debris removal expense.

Coverage will be provided in the dollar amount of $500 dollars towards the removal of a tree(s) that is on the residence premises do to damage caused by a listed peril (damages from certain circumstances) covered under the policy.

Be advised that even though the removal of a tree or trees is provided, an exclusion applies to the coverage and the expense included for the removal of a tree or trees from within your residence premises is limited to coverage in the dollar amount of $500 dollars per loss and not per tree.

TREES, SHRUBS AND OTHER PLANTS COVERAGE
 
Coverage towards trees, shrubs and other plants is provided (without a deductible) under additional property related coverage.

Trees, shrubs, plants (located on your residence premises) and lawn will be covered under additional property related coverage against damage caused by the following perils (damages from certain circumstances).
   Fire
   Lightning
   Hail
   Explosion
   Riot or civil commotion
   Aircraft
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