Agent Portal: Kemper: Dwelling Fire Form-3

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Included, Optional Coverage, Discounts

Dwelling Fire Manual

Included


Dwelling Coverage

  • Covers the materials and labor to rebuild after covered loss.
  • Covered at replacement cost.
  • Open Peril.

Exclusions

  • Ordinance or Law
  • Earth Movement
  • Water Damage
  • Power Failure
  • Neglect
  • War
  • Nuclear Hazard
  • Intentional Loss

Other Structures

  • Covers structures that are not attached to the main dwelling but on the premises.

Personal Property

  • Covers the contents in the home.

Perils Insured Against:

  • Fire or Lightning
  • Internal Explosion
  • Windstorm and Hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Volcanic Eruption
  • Vandalism or Malicious Mischief

Exclusions

  • Ordinance or Law
  • Earth Movement
  • Water Damage
  • Power Failure
  • Neglect
  • War
  • Nuclear Hazard
  • Intentional Loss

Loss of Use

  • Covers fair rental value and additional living expenses.

Personal Liability

  • Available limits: $25,000/$50,000/$100,000/$300,000/$500,000

Additional Coverage

  • Debris Removal.
  • Improvements, Alterations, and Additions.
  • World-wide coverage on personal property.
  • Rental Value.
  • Reasonable Repairs.
  • Property Removed.
  • Fire Department Service charge up to $500.

Optional Coverage

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Residence Glass Coverage (HO105)

View Endorsement

  • Adds coverage for scheduled and unscheduled glass. $100 per occurrence.
Replacement Cost Dwelling/Agreed Amount on Dwelling (HO102)

View Endorsement

  • Changes the loss settlement to replacement cost on HO-A+ policies.
Television and Radio Antenna (HO120)
  • Adds coverage to radio antennas or television antennae without a deductible. HO-A+ only.
Additional Premises Liability Coverage- Rentals (HO225)

View Endorsement

  • Extends the policy liability to other premises that the insured rents out. Must have its own liability coverage.
Additional Residence – Owner Occupied (Address)
  • Extends liability coverage to other residences owned by the insured.
Amended Definition of Residence Premises (HO305N)
  • Used to change the address of the same premises.

 

Business Pursuits (HO220)

View Endorsement

  • Extends the liability for business conducted on the premises. Available business: Clerical Employees, Salespersons, collectors or messengers, Teachers. There is no coverage for property damage or bodily injury.
Exclusion of Residential Community Property Clause (HO142)
  • The clause extends coverage to personal property that is owned by both properties after a divorce. This endorsement excludes that coverage.
Farmers Personal Liability (HO210)

View Endorsement

  • Extends liability to farms owned by the insured. There is no coverage for property damage or bodily injury.
Identity Fraud Coverage (VS2017)

View Endorsement

  • Adds coverage up to $15,000 for identity fraud expense.
Personal Injury Protection (HO201)

View Endorsement

  • Covers injury arising out offenses, such as false arrest, libel/slander, wrongful eviction, etc.
Increased Special limits (HO113, VS2017, HO113, VS2150, VS2151)
  • Increases the special limits in the policy.
  • Bullion/valuable paper up to $500
  • Jewelry, watches, and furs in increments of $100 up to $4,500.
  • Increased limit on Money/Bank Cards up to $1,000
  • Increased business property to $5,000
Increased Costs of Construction- Building Laws (HO135)

View Endorsement

  • Can be added to increase the amount afforded after loss if cost of construction increases. Available limits: 10%, 15%, 25% of coverage A.
Lender Loss Payee (VS1804)

View Endorsement

  • Adds lender to policy for boat coverage.
Neighborhood HO Loss Assessment (VS2194)
  • Adds loss assessment coverage up to $25,000. $250 deductible applies.
Condo Loss Assessment (VS2195)

View Endorsement

  • Adds loss assessment coverage up to $25,000. $250 deductible applies.
Office, Private School or Studio (HO205)

View Endorsement

  • Adds liability for an office, private school or studio that is conducted on the premises. There is no coverage for property damage or bodily injury.
Personal Computer Coverage (HO126)

View Endorsement

  • Adds personal computer coverage up to 10% of personal property limit. Subject to a $100 deductible.
Specified Additional Amount of Insurance (VS2458)
  • Increases dwelling coverage A up to 25%.
Townhouse Loss Assessment (VS2193)
  • Provides loss assessment coverage for a townhome.
Windstorm Coverage For Cloth Awning (HO122)
  • Provides windstorm coverage for cloth awnings on the premises.
Windstorm Coverage For Greenhouses (HO121)
  • Provides windstorm coverage for Greenhouses.
Blanket Valuable Items

View Endorsement

  • Adds blanket coverage to Jewelry, furs, fine arts, silverware (Limited to $10,000 each $50,000 aggregate) and golfer’s equipment, cameras, guns, musical instruments (Limited to $5,000 each $25,000 aggregate)
Scheduled Personal Property

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  • The following can be scheduled, Camera, Coins, Fine Arts, Furs, Golfer’s Equipment, Jewelry, Musical Instruments, Personal Electronic Equipment, Silverware, and Stamps.
  • Under Fine Arts, breakage coverage for fragile articles may be extended to cover all risk of physical loss.  The value of the fragile articles covered and the additional premium shall be stated separately on the schedule.  The premium is in addition to the premium for the Fine Arts basic coverage. When Special breakage coverage is extended to fine arts, rate that portion with breakage and that portion without breakage separately.
  • For articles being transported between the primary location and secondary locations, the highest applicable protection class shall apply when determining the premium.
  • Under the Jewelry class, melee is defined as an array of stones sometimes used to complement a larger primary stone in a jewelry setting.  This rate class may be used for items whose primary value is determined by more than three stones.  Jewelry is considered “highly protected” if the covered article(s) is kept at all times, when not being worn, in a secured on-premises safe or vault.  The safe or vault must be permanently attached to the residential structure and not capable of being lifted or moved by an individual person.
  • Single Article Limits: $24,999, $49,999, $74,999, $99,999

Discounts

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Age of Dwelling
  • The newer the home the better the discount. Up to 31%.
Mature Homeowner
  • Eligible if the insured is over 55 years of age or older. Up to 5%.
Network Group
  • Available if the insured is a member of  a networking group.
Protective Devices
  • Central Station Reporting (Burglar and/or Fire) Alarm*, Automatic Sprinklers, Deadbolt Locks, Local Burglar and/or Fire Alarm and/or Smoke Detectors, Fire extinguishers. Up to 10%.
Companion Product
  • Another policy written with company. Up to 15%.
New to You
  • Available if the insured just moved in within a year. Rolls off after the first term. Up to 3%.

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