Remember to inlcude your zip code
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.
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.
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:
Additional coverage _____________________________________________________________
Type of construction, roof type, exterior walls, floor and protection
Recent photograph of the building must be submitted. Louvres or iron bars
are not considered hurricane shutters.
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.
Type of construction of the structure rented to others__________________________________
WE ARE UNABLE TO OFFER A DWELLING OR HOMEOWNER QUOTE TO COVER THE STRUCTURE
° 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
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.