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AARP® Property and Casualty Insurance Program from Real Legacy Assurance U.S.Virgin Islands Homeowner Application


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Secction 1: Property


Specify the year the building was constructed (year built) and the limit (amount in dollars) you wish to insure for the building, other structures and contents/personal property.

Amount in dollars

Amount in dollars
Amount in dollars

Loss of use
Reimbursement of additional expenses you may incur after a covered loss, to continue your regular lifestyle while your home is repaired. To arrive at an amount, estimate the number of months needed to repair the home times the additional expenses per month.

Amount in dollars
Specify the list of items you wish to insure with their respective values. Remember to submit appraisal for each item.

If replacement value of the real property (structure) is $500,000 or more, we will need a copy of recent appraisal with photographs so we may be able to offer a quote. If residence is a condominium or townhouse, amount of building additions and alterations (also known as improvements) needed if not covered under the association master policy:

Amount in dollars, improvements or alterations are those items that are permanently affixed to the interior of the structure such as tiles, carpets, cabinets, lighting and bathroom fixures, celling fans, air condition consoles, etc.

Additional coverage _____________________________________________________________


Type of construction, roof type, exterior walls, floor and protection devices __________________

Recent photograph of the building must be submitted. Louvres or iron bars are not considered hurricane shutters.

Deductibles ____________________________________________________________________

We can offer a Homeowner's quote for up to four families provided you occupy at least one of the units in the building.



We are unable to offer coverage for vacant buildings or short term rentals.

Section 2: Personal Liability





This defines the permitted incidental occupancies.

Specify the value in dollars if the other structure is rented.

Type of construction of the structure rented to others__________________________________

___________________________________________________________________________

WE ARE UNABLE TO OFFER A DWELLING OR HOMEOWNER QUOTE TO COVER THE STRUCTURE IF:

° STRUCTURE IS OCCUPIED OR AVAILABLE FOR MORE THAN FOUR FAMILIES INCLUDING YOUR PERSONAL RESIDENCE.

° STRUCTURE IS A CONDOMINIUM OR TOWNHOUSE UNIT (THESE STRUCTURES ARE MORE ADEQUATELY COVERED UNDER A MASTER POLICY IN THE NAME OF THE ASSOCIATION).

° STRUCTURE IS INDIVIDUALLY OWNED BUT IS PART OF A DUPLEX BUILDING WHICH IS NOT OWNED IN ITS ENTIRETY BY YOU.

THERE ARE LIMITATIONS ON CERTAIN ITEMS. ONE BEING JEWELRY WHICH HAS A LIMIT OF $1,000. IF YOU WISH TO INCREASE THE LIMIT FOR SOME OF THESE ITEMS, PLEASE PROVIDE AN ITEMIZED SCHEDULE WITH VALUES AND APPRAISALS AND CHECK OFF SCHEDULED PERSONAL PROPERTY IN THE BOX INDICATED.

NO PROPERTY COVERAGE AFFORDED FOR OUTDOOR SWIMMING POOL OR ANY STRUCTURE OR PROPERTY SET ASIDE FROM THE MAIN DWELLING WHETHER OR NOT CONNECTED BY A FENCE, UTILITY LINE OR SIMILAR CONNECTION OR CONCRETE PATIO, UNLESS A SUM INSURED LIMIT IS ENTERED FOR OTHER STRUCTURES IN THE CORRESPONDING SPACE PROVIDED.

THE HOMEOWNERS POLICY INCLUDES A COINSURANCE CLAUSE WHICH STATES YOU MUST INSURE AT LEAST 80% OF THE REPLACEMENT COST OF THE STRUCTURES TO AVOID A PENALTY IN THE EVENT OF A LOSS.

THE DWELLING POLICY IS SUBJECT TO 100% ACTUAL CASH VALUE. IT IS SUBJECT TO DEPRECIATION. DOES NOT OFFER REPLACEMENT COST.