ISO HO-3 05/11 Homeowners Enhancement
HE-7 07/13		 Extended Enhancement
HE-7 with HE-21 07/13
Coverage A – Loss Settlement Replacement Cost Guaranteed RC – Unlimited Guaranteed RC – Unlimited
Coverage A and B – Perils Open Open Open
Coverage B – % of Coverage A 10% 10% 20%
Coverage B – Loss Settlement Replacement Cost Replacement Cost Replacement Cost
Cash Out Settlement Option – Coverage A and Coverage B Not Included Not Included Not Included
Coverage C – % of Coverage A 50% 70% 70%
Coverage C – Loss Settlement Actual Cash Value Replacement Cost Replacement Cost
Coverage C – Perils Named Open Open
Coverage D – % of Coverage A 20% 20% 20%
Coverage D due to Civil Authority 14 Days 30 Days 30 Days
Coverage D due to Power Outage Not Included 7 Days 7 Days
Special Limits
Money $200 $1000 $1000
Securities $1500 $5500 $5500
Boats, Including Trailers $1500 $1500 $2500
Trailers not used with Watercraft $1500 $1500 $3500
Theft of Jewelry, Watches, Furs $1500 $5,500 / $1,500 (A) $5,500 / $1,500 (A)
Jewelry, Silver, Securities – Vault $1500 $5,500 / $1,500 $50000
Theft of Firearms 10% of Cov. C or $10,000 max $10,000 (A) $10,000 (A)
Theft of Silverware 25% of Cov. C or $10,000 max $10,000 (A) $10,000 (A)
Breakage of crystal, china, porcelains, figurines, statuary, sculptures, mirrors, wine bottles, glassware, etc. Excluded Excluded Excluded
Business Property – On Premises $2500 $2500 $5000
Business Property – Off Premises $1500 $1500 $1500
Portable Electronic Equipment $1500 $1500 $1500
Antennas, Tapes, Wires, Records, etc. $250 $250 $250
Additional Coverages
Claims Expense $250 per day $250 $250
Combine Limits Not Available Not Available Not Available
Credit Card / Electronic Fund Transfer $500 $500 $5000
Damage to Property of Others $1000 $1000 $1500
Debris Removal Trees – Wind, Hail, Ice & Snow 5% of Coverage A $500 (B) 5% of Coverage A $2,000 / $1,000 (B) 5% of Coverage A $2,000 / $1,000 (B)
Deductible Waived (Not applicable to Wind or Hail Losses) Not Included If Loss is over $50,000 – No Deductible Applies If Loss is over $50,000 – No Deductible Applies
Directors & Officers Liability Excluded Excluded Excluded
Earthquake – Coverage C Excluded Covered Covered
Electronic Data Restoration – Virus Not Available Not Available Not Available
Electronic Data Restoration – Covered Loss (fire, wind, hail, etc.) See Securities Special Limit See Securities Special Limit See Securities Special Limit
Employer’s Liability Coverage for Bodily Injury to Residential Employee (Does not include discrimination, wrongful termination, or harassment) Excluded Excluded Excluded
Equipment Breakdown Optional Optional Optional
Fire Department Service Charge $500 $1000 $1000
Fire Extinguisher – Recharge or Replace Not Included Not Included Not Included
Freeze or Weight or Ice or Snow to Permanent Dock Excluded Excluded Excluded
Golf Cart – Physical Loss Coverage Optional Optional Optional
Green Upgrade Coverage Not Included Not Included Not Included
Identity Fraud Protection Optional Optional Optional
Incidental Business Optional Optional Optional
Incidental Farming Optional Optional Optional
Land Stabilization Excluded Excluded $10000
Limited Fungi, Wet or Dry Rot $5,000 – Section I Excluded – Section II $5,000 – Section I Excluded – Section II $5,000 – Section I Excluded – Section II
Lock Replacement Not Covered Not Covered $500
Loss Assessment – Section I $1000 $1000 $5000
Loss Assessment – Section II $1000 $1000 $5000
Loss Caused by Domestic Animal Excluded Excluded Excluded
Loss Prevention Device Not Available Not Available Not Available
Mortgage Acquisition Expense Not Covered Not Covered Current Primary Mortgage Expense
Ordinance or Law 10% of Coverage A Covered Covered
Personal Injury Optional Covered Covered
Personal Property located in Self-Storage Facility 10% of Cov. C or $1,000 10% of Cov. C or $1,000 10% of Cov. C or $5,000
Pet Injury Coverage Excluded Excluded Excluded
Property at Other Residence 10% of Cov. C or $1,000 10% of Cov. C or $1,000 10% of Cov. C or $10,000
Property Removed 30 Days 30 Days 90 Days
Refrigerated Property Optional $500 $500
Reward for Return of Stolen Property Not Covered Not Covered $5000
Reward for Arson Conviction Not Covered Not Covered 2500
Trees – Fire, Lightning, Vandalism Per Tree 5% of Coverage A $500 5% of Coverage A $1,000 5% of Coverage A $1,000
Tree Replacement – Wind, Hail, Weight of Ice or Snow Not Available Not Available Not Available
Per Tree Not Available Not Available Not Available
Utility Line Protection Not Available Not Available Not Available
Vehicles that Service a Residence Covered Covered Covered
Water Backup of Sewers or Drains Optional Not Available $50000
Watercraft Liability – Owned Outboard 25hp 25hp 50hp
Witness Reimbursement Not Included Not Included $250 per day for loss of earnings $50 per day for expenses $3,000 aggregate limit