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■ Homeowners Contents Broad Form (HO 00 04)
If you rent an apartment or a house, you typically need personal property coverage and liability coverage. The
Homeowners Contents Broad Form policy may be used to provide coverage for your personal property located
in rental property that you occupy. Like all homeowners policies, it provides coverage for loss of use, personal
liability protection and medical payments to others. Liability coverage protects the renters the same as it would
if the renter was a homeowner. Perils insured against are specically named in the policy contract. These perils
are listed in the chart on Page 9 of this brochure.
Coverage is normally provided under the Homeowners Contents Broad Form as follows:
• Coverage C (Personal Property): Subject to a minimum as determined by your insurance company
• Coverage D (Loss of Use): As shown on the declarations page
• Coverage E (Personal Liability): Subject to a minimum of $100,000
• Coverage F (Medical Payments to Others): Subject to a minimum of $1,000
■ Homeowners Comprehensive Form (HO 00 05)
The Homeowners Comprehensive Form may be used to provide coverage on a single family dwelling or
townhouse. The dwelling, other structures and personal property are insured on an open perils basis. The
coverage amounts under the Homeowners Comprehensive Form are the same as under the Homeowners Broad
Form.
■ Homeowners Unit-Owners Form (HO 00 06)
A Homeowners Unit-Owners Form policy is used to provide coverage on your condominium and personal
property located in the condominium. Unit-owners normally belong to a condominium association, which is
responsible for purchasing insurance coverage on the structure and collective property. As a unit-owner, you
may wish to insure your property or to cover any items not insured by the association’s policy.
The policy provides limited coverage for property damage to wall, oor and ceiling coverings and any
alterations to the original unit. The owner of a condominium does not own the outside of the structure. Most of
the coverage provided under this policy references coverage for your personal property.
Like all homeowners policies, the Homeowners Unit-Owners Form provides coverage for loss of use, personal
liability protection and medical payments to others. Perils insured against are specically named in the policy
contract. These perils are listed in the chart on page 9 of this brochure.
Coverage is normally provided under the Homeowners Unit-Owners Form as follows:
• Coverage A (Dwelling): $1,000
• Coverage C (Personal Property): Subject to a minimum as determined by insurance company
• Coverage D (Loss of Use): As shown on the declarations page
• Coverage E (Personal Liability): Subject to a minimum of $100,000
• Coverage F (Medical Payments to Others): Subject to a minimum of $1,000
■ Homeowners Modied Coverage Form (HO 00 08)
The Homeowners Modied Coverage Form policy may be used to provide coverage on older homes. This
type of policy is normally used when the cost to replace the home is much more than the market value of the
home. This policy will settle claims on an Actual Cash Value basis. (Actual Cash Value is replacement cost less
depreciation.) Perils insured against are specically named in the policy contract. These perils are listed in the
chart on page 9 of this brochure.
Coverage is normally provided under the Homeowners Modied Coverage Form as follows:
• Coverage A (Dwelling): Subject to a minimum as determined by your insurance company
• Coverage B (Other Structures): 10 percent of Coverage A
• Coverage C (Personal Property): 50 percent of Coverage A
• Coverage D (Loss of Use): 20 percent of Coverage A
• Coverage E (Personal Liability): Subject to a minimum of $100,000
• Coverage F (Medical Payments to Others): Subject to a minimum of $1,000
D — Dwelling C — Contents D C D C D C D C D C D C
PERILS COVERED
Fire or lightning
Windstorm or hail
Explosion
Riot or civil commotion
Aircraft
Vehicles
Smoke
Vandalism and malicious mischief
Theft
Volcanic eruption
Falling objects
Weight of ice, snow, sleet
Accidental discharge or overow of water
from within a plumbing, heating,
air-conditioning or automatic re
protective system or from within a
household appliance
Sudden and accidental tearing apart,
cracking, burning or bulging of a steam
of hot water heating system, an air-
conditioning or automatic re protective
sprinkler system or an appliance for
heating water
Freezing of a plumbing, heating,
air-conditioning system or automatic
re protective sprinkler system or of a
household appliance
Sudden and accidental damage from
articially generated electrical current
All perils except those specically excluded
in your policy (check your policy for
complete listing of perils not covered)
Type of Policy HO 00 02 HO 00 03 HO 00 04 HO 00 05 HO 00 06 HO 00 08
COVERAGE CHART
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