| OPTIONAL FORMS AND COVERAGES AVAILABLE BY ENDORSEMENT | TYPES OF FIRE COVERAGE AVAILABLE |
| Homeowners Insurance Program | Policy Forms |
| ML – 41.......................Additional Insured-Residence Premises | FL – 1 Building and Contents Actual Cash Value |
| HO3542.......................Office; Professional, Private
School, or Studio Occupancy –
Described location | |
| ML – 48.......................Related Private Structures –
Increased Limits | Form 2 Building Replacement Cost |
| HO2584.......................Automatic Adjustment of Limits
(2%, 4%, or 6% available) | Form 3 Building Repair Cost |
| HO159.........................Repair Cost Loss Settlement Terms | Form 6 Building Actual Cash Value |
| MBHOW25.................Water Damage $2,500 | |
| MBHOW50.................Water Damage $5,000 | Form 2 Contents Actual Cash Value |
| | Form 3 Contents Actual Cash Value |
| Dwelling Insurance Program | Form 6 Contents Actual Cash Value |
| FL – 41........................Additional Interests – Described Location | |
| DP1143........................Dwelling Under Construction | Form 4 Contents Only Actual Cash Value |
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| Commercial Insurance Program | |
| CP – 132......................Loss Payable Options | |
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| FIRE LOSS SETTLEMENT DEFINITIONS |
| ACTUAL CASH VALUE - Provides for settlement of losses based on the condition or value of the damaged or destroyed property at the time of loss. The Aamount will be determined by a review of relevant factors such as but not limited to market value, assessed value, capitalized value, and depreciation caused by physical wear and tera and/or obsolescense. |
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| REPLACEMENT COST - Provides for settlement of losses with materials of like kind and quality without deduction for depreciation if repairs are completed. | |
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| REPAIR COST - Provides for settlement of losses with materials of like kind and quality without deduction for depreciation or, with conventional material and construction methods which are currently available without extra ordinary expense. | |
| COMPARISON OF RESIDENTIAL COVERAGES |
| **NOTE: POLICY COVERAGES CONTAINED IN THIS BROCHURE HAVE BEEN CONDENSED; FOR ACTUAL COVERAGE CONSULT YOUR POLICY |
| | FIRE | HOMEOWNERS |
| | FL-1 | Form-2 | Form-3 | Form-4 | Form-6 |
| 1 | Fire, lightning, windstorm, hail, riot, civil commotion, aircraft. | Yes | Yes | Yes | Yes | Yes |
| 2 | Explosion, other than steam boiler. | Yes | Yes | Yes | Yes | Yes |
| 3 | Explosion,of steam boiler. | Yes | Yes | Yes | Yes | Yes |
| 4 | Bursting of steam of hot water appliances and heating system. | No | Yes | Yes | Yes | Yes |
| 5 | Damage by vehicles | | | | | |
| a) Building | Yes | Yes | Yes | No | Yes |
| b) Fences, driveways | Yes except by vehicle owned/operated by you or an occupant | Yes | Yes | No | Yes except by vehicle owned/operated by you or an occupant |
| c) Trees, shrubs, plants, lawns | Yes except by vehicle owned/operated by you or an occupant | Yes except by vehicle owned/operated by you or an occupant | Yes | No | Yes except by vehicle owned/operated by you or an occupant |
| 6 | Smoke | | | | | |
| (a) Heating or cooking unit | Yes | Yes | Yes | Yes | No |
| (b) Commercial Operations | No | No | No | No | No |
| 7 | Vandalism/Malicious Mischief | Yes (30 days) | Yes (Except vacant 60 days in a row prior to loss) | Yes (Except vacant 60 days in a row prior to loss) | Yes (Except vacant 60 days in a row prior to loss) | Yes (Except vacant 60 days in a row prior to loss) |
| 8 | Water | | | | | |
| (a) Flood, surface water | No | No | No | No | No |
| (b) Back-up sewers or drains | No | No | No | No | No |
| (c) Leaking from plumbing, heating or air conditioning system | No | Yes (Except loss to system itself) | Yes (Except loss to system itself) | Yes (Except loss to system itself) | Yes (Except loss to system itself) |
| (d) Rain through faulty roof, windows or doors | No | No | No | No | No |
| (e) Freezing of plumbing and heating systems | No | Yes (Except while vacant or unoccupied and proper heat not maintained or system not drained.) | Yes (Except while vacant or unoccupied and proper heat not maintained or system not drained.) | Yes (Except while vacant or unoccupied and proper heat not maintained or system not drained.) | Yes (Except while vacant or unoccupied and proper heat not maintained or system not drained.) |
| 9 | Falling Objects | No | Yes | Yes | Yes | Yes |
| 10 | Weight of Ice/Snow | No | Yes | Yes | Yes | Yes |
| 11 | Wind damage to trees and removal | No | No | No | No | No |
| 12 | Collapse of building (see additional coverage) | No | Yes | Yes | Yes | Yes |
| 13 | Landslide, mudslide | No | No | No | No | No |
| 14 | Earthquake | No | No | No | No | No |
| 15 | Damage by animals to building or content | No | No | No | No | No |
| 16 | Glass Breakage (optional peril - Vandalism) | Yes | Yes (Except vacant 60 days in a row prior to loss | Yes (Except vacant 60 days in a row prior to loss | Yes (Except vacant 60 days in a row prior to loss | Yes (Except vacant 60 days in a row prior to loss |
| 17 | Sudden Accidental Injury to electrical appliances | No | Yes | Yes | Yes | Yes |
| 18 | Theft | | | | | |
| (a) Building Materials | No | Yes (Except when dwelling is under construction & prior to occupancy) | Yes (Except when dwelling is under construction & prior to occupancy) | Yes (Except when dwelling is under construction & prior to occupancy) | Yes (Except when dwelling is under construction & prior to occupancy) |
| (b) Personal property | No | Yes | Yes | Yes | Yes |
| (c) From unattended auto off premises | No | Yes | Yes | Yes | Yes |
| (d) Specials limits unscheduled jewelry and furs | No | Yes (See policy for applicable limits for loss by theft) | Yes (See policy for applicable limits for loss by theft) | Yes (See policy for applicable limits for loss by theft) | Yes (See policy for applicable limits for loss by theft) |
| 19 | Refrigerated Property | No | Yes (Limit $500 per occurence) | Yes (Limit $500 per occurence) | Yes (Limit $500 per occurence) | Yes (Limit $500 per occurence) |
| 20 | Volcanic eruption | No | Yes | Yes | Yes | Yes |
| 21 | Credit card, forgery and counterfeit currency losses | No | Yes (Limit of $1500 per occurrence) | Yes (Limit of $1500 per occurrence) | Yes (Limit of $1500 per occurrence) | Yes (Limit of $1500 per occurrence) |
| 22 | Loss deductibles | No | Yes($100 up to $5000) | Yes($100 up to $5000) | Yes($100 up to $5000) | Yes($100 up to $5000) |
| 23 | Bodily injury and property damage claims | No | Yes (On occurrence basis $100,000 coverage, can be increased for additional premium) | Yes (On occurrence basis $100,000 coverage, can be increased for additional premium) | Yes (On occurrence basis $100,000 coverage, can be increased for additional premium) | Yes (On occurrence basis $100,000 coverage, can be increased for additional premium) |
| 24 | Medical payments | No | Yes (Per accident, $1,000 per person, $25,000 per accident) | Yes (Per accident, $1,000 per person, $25,000 per accident) | Yes (Per accident, $1,000 per person, $25,000 per accident) | Yes (Per accident, $1,000 per person, $25,000 per accident) |
| 25 | Liability coverage off premises for owned recreational motor vehicles | No | No (Except golf cart while being used for golfing purpose) | No (Except golf cart while being used for golfing purpose) | No (Except golf cart while being used for golfing purpose) | No (Except golf cart while being used for golfing purpose) |
| 26 | Damage to property of others | No | Yes (Limit of $1000 per occurrence) | Yes (Limit of $1000 per occurrence) | Yes (Limit of $1000 per occurrence) | Yes (Limit of $1000 per occurrence) |