| Coverage A Dwelling & Coverage B: Extensions to Dwelling |
5%, 10%, 15%, 20%, or 25% of Coverage A & B limit.*
*The 5% and 10% deductible options are not available for homes with Coverage A dwelling limit greater than $1,000,000, or dwellings with frame construction built before 1980 that are not on a slab foundation and do not have a verified retrofit.
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The CEA Coverage A & B must be the same as the residential homeowners policy’s Coverage A (Dwelling) limit.
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| Coverage C: Personal Property |
Standard Homeowners
- Included coverage.
- The Coverage A deductible must be met before covered personal property can be paid.
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Homeowners Choice
- Optional coverage.
- Separate 5%, 10%, 15%, 20%, or 25% deductible for Coverage C that is waived if Coverage A deductible is met.
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- Available limits: $5,000 or 25,000.
- $500 included for damage to some breakable personal property.
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| Coverage D: Loss of Use |
Standard Homeowners
- Included coverage.
- No deductible.
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Homeowners Choice
- Optional coverage.
- No deductible.
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Available limits: $1,500, $10,000, $15,000, $25,000, $50,000, $75,000, $100,000. |
| Emergency Repairs |
- No deductible on first $1,500 of Emergency Repairs coverage.
- Any amount over $1,500 is paid once the Coverage A & B or Coverage C deductible has been met.
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Pays for the emergency measures taken to prevent further damage to covered property.
For any amount over $1,500, up to 5% of the Coverage A & B or Coverage C limit is included.
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| Building Code Upgrade |
Paid once the covered dwelling damage exceeds the Coverage A & B deductible. |
Helps bring the home up to the building codes in effect on the date of the loss, up to $10,000.
A $20,000 or $30,000 coverage limit can be purchased.
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