Agent Portal: Foremost: HO-A - Milestone Insurance

Included

Dwelling Coverage

Covers the structure of the home.
Other structures on property also covered.
Covered at Replacement Cost.

Perils insured against

Fire and Lightning
Sudden and Accidental Damage from Smoke
Windstorm, Hurricane, and Hail
Explosion
Aircraft and Vehicles
Vandalism and Malicious Mischief
Riot and Civil Commotion
Theft
Sudden and Accidental discharge, eruption, overflow or release of water or steam (Added with endorsement 10216)
Fall of trees or limbs, including felling, topping or trimming. (Added with endorsement 10216)
Objects falling from the weight of ice, snow or sleet. (Added with endorsement 10216)
Collapse of building or any part of the building. (Added with endorsement 10216)
Breakage of glass which is part of the building, including glass in storm doors and storm windows. (Added with endorsement 10216)

Exclusions

Flood
Governmental Action
Building Laws
War Damage
Nuclear Damage
Mold, Fungi or Other Microbes
Earth movement (Added with endorsement 10216)
Wear and Tear (Added with endorsement 10216)

Personal Property

Covers the contents in the home.
Covers the property anywhere in the world.
Golf Carts covered.

Perils insured against

Fire and Lightning
Sudden and Accidental Damage from Smoke
Windstorm, Hurricane, and Hail
Explosion
Aircraft and Vehicles
Vandalism and Malicious Mischief
Riot and Civil Commotion
Theft
Sudden and Accidental discharge, eruption, overflow or release of water or steam (Added with endorsement 10216)
Fall of trees or limbs, including felling, topping or trimming. (Added with endorsement 10216)
Objects falling from the weight of ice, snow or sleet. (Added with endorsement 10216)
Collapse of building or any part of the building. (Added with endorsement 10216)
Breakage of glass which is part of the building, including glass in storm doors and storm windows. (Added with endorsement 10216)

Exclusions

Flood
Governmental Action
Building Laws
War Damage
Nuclear Damage
Mold, Fungi or Other Microbes
Earth movement (Added with endorsement 10216)
Wear and Tear (Added with endorsement 10216)

Special Limits

Money and Bank Cards	$100
Bullion and Valuable Papers	$500
Jewelry/Watches/Furs	$500
Business Personal Property	$2,500

Additional Coverage

Debris Removal
Loss of use
Reasonable repairs
Trees, Shrubs, Plants, and Lawns
Property Removed
Consequential Loss
Automatic Removal

Other Highlights

Online Services Available.

Optional Coverage

Additional Insured Non-occupant

Extends coverage to other non-occupant owners of the insured premises for property in which they have an interest.

Additional Insured Non-resident	Extends coverage to other non-resident owners of the insured premises for property in which they have an interest.
Additional Insured (Unrelated Named Insured)	Adds a specifically named unrelated named insured to the policy.
Additional Insured-Premises Only	Extends Section II liability coverage to the party named on the endorsement. This extends liability for only the premises named on the declarations page.

Additional Named Insured

Extends coverage to other resident owners of the insured premises.

Additional Peril Endorsement	Adds limited water coverage along with additional perils to the policy. This endorsement offers limits of $5,000, $10,000, $25,000 and $50,000 for water coverage.
Additional Premises Liability Coverage	Provides liability coverage for an additional one-family or two-family residence premises rented to others. Applies to locations off premises. Maximum four residences. Must be a primary home.
Animal Liability Exclusion	Eliminates all liability arising out of the ownership, custody, control or possession of any animal either on or away from your premises. Exclusion must be added when breed is Akita, American Staffordshire Terrier, Chow, Doberman Pinscher, Pit Bull, Presa Canario, Rottweiler, wolf hybrid or any dog that is a mix that includes one of more of the breeds listed above. If unusual or exotic or had previous bite history, underwriting approval is required.
Exclusion of Cosmetic Damage to Roof Caused by Hail	Mandatory form when the home has a Hail Resistant Roof. Damage that alters only the physical appearance of the roof covering is excluded.
Exclusion of Residential Community Property	The Residential Community Property Clause contained in the policy is excluded if attached.
Increased Limit on Business Personal Property	This endorsement increases the special limit of liability for business personal property under Coverage B (Personal Property) from $2,500 to $10,000.
Increased Limit on Jewelry, Watches and Furs	This endorsement increases the special limit of liability for Jewelry/ Watches/Furs under Coverage B (Personal Property) from $500 to $5,000.
Loss Payable	Adds a loss payee for Personal Property.
Loss Settlement Amendatory Endorsement (Replacement Cost – Coverage A with 15 year roof limit)	If attached modifies the loss settlement provision of the policy to provide Replacement Cost coverage on Coverage A. To qualify the dwelling must be in above average condition and have a minimum value of $100,000. It must be insured to 100% of Replacement Cost and the Market Value must be at least 50% of Replacement Cost. Replacement cost does not include roof covering if the insured cannot validate the roof covering is less than 15 years old.
Neighborhood Homeowners Loss Assessment Coverage	Can be added to cover loss assessment to an owner- occupied single family dwelling that has a Neighborhood Homeowners Association.
Office, Private School or Studio-Section II Liability	Extends liability when the insured maintains an incidental office, etc., in the described dwelling or in a separate structure on the premises.
Other Structures Not Covered	Allows for the exclusion of specific structures on the premises for property coverages.
Personal Computer Coverage	Covers electronic equipment and media located at the same residential premises as the insured. A deductible of $100 applies.
Personal Injury Coverage	Adds liability coverage for libel, slander, false arrest, etc. It cannot be written in conjunction with the Office, Private School or Studio endorsement.
Replacement of Personal Property	If attached extends Replacement Cost loss settlement to personal property and wall-to-wall carpeting and cloth awnings. Restrictions apply so please refer to endorsement for specific information. Must have personal property coverage of $15,000 or more.

Residence Glass Coverage	Covers up to $100 per window pane. No deductible applies.
Television & Radio Antenna	Adds windstorm, hurricane and hail coverages that are excluded by the policy. This includes satellite dishes.
Trampoline Liability Exclusion	Eliminates all liability arising out of use of a trampoline on the insured premises.
Unrelated Named Insured	Adds the person named in the endorsement as a named insured while that person is a full-time resident.
Windstorm, Hurricane & Hail Exclusion	Excludes windstorm, hurricane and hail coverage that may be provided by the policy. This endorsement is mandatory for coastal* properties located in designated catastrophe areas. Form 738243, Acceptance Notice for Windstorm, Hurricane and Hail Exclusion, must be signed by the named insured and submitted to Foremost prior to policy issuance. Insureds with this exclusion receive a 40% discount.
Increased Limit on Jewelry watches and furs	Up to $5,000
Increased Limit on Business Personal Property	Up to $10,000
Increased Limit on Money/Bank Cards	Up to $500
Increased Limit on Bullion and Valuable Papers	Up to $1,000

Discounts

Monitored Central Burglar Alarm	Available if the home is protected by a central burglar alarm. 15% discount.
Monitored Central Fire Alarm	Available if the home is protected by a central connected fire alarm. 5% discount.
Home Security	If all exterior doors are protected by dead-bolt locks, sliding glass doors have secondary locking device to prevent lifting or prying and all other exterior openings have locking devices. 5% Discount
Multiple Policies	If you have another policy with Foremost, Farmers, Bristol West, and 21^st Century. 5% Discount.
Masonry	Available if 51% brick. 15% Discount.
Sprinkler System	Must have working sprinkler system. 8% discount.
Hail Resistant Roof	Must have proof of a hail resistant roof. 10% for class 1 or 2 and 20% for class 3 or 4.
Local Burglar Alarm	Available if the home is protected by a burglar alarm. 2% discount.
50 Years or Older	10%

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