Agent Portal: Maison Insurance: HO-3 - Milestone Insurance

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Included, Optional Coverage, Discounts

Included

HO-3 Contract Special Provisions

Dwelling Coverage

Covers the cost of materials and labor to rebuild.
Covered at replacement cost.
Open Peril Coverage.

Exclusions:

Ordinance or Law.
Earth Movement.
Water Damage.
Power Failure.
Neglect.
War.
Nuclear Hazard.
Intentional Loss.
Governmental Action.

Other Structures

Covers structures not attached to the main dwelling.

Personal Property

Covers the contents in the home.

Perils Insured Against:

Fire and Lighting.
Windstorm and Hail.
Explosion.
Riot or Civil Commotion.
Aircraft.
Smoke.
Vandalism or Malicious Mischief.
Theft.
Falling Object.
Weight of ice, snow, or sleet.
Accidental Discharge Or Overflow Of Water Or Steam.
Sudden And Accidental Tearing Apart, Cracking, Burning Or Bulging.
Freezing.
Sudden And Accidental Damage From Artificially Generated Electrical Current.
Volcanic Eruption.

Exclusions:

Ordinance or Law.
Earth Movement.
Water Damage.
Power Failure.
Neglect.
War.
Nuclear Hazard.
Intentional Loss.
Governmental Action.

Special Limits

$200	Money.
$1,500	Securities, Watercraft, Trailers, Jewelry, electronic apparatus on vehicle and used for business.
$2,500	Firearms, Silverware, BPP ($500 off premises).

Loss of Use

Covers fair rental value and additional living expenses.

Personal Liability

Provides coverage for property damage and bodily injury you are liable to pay.
Pays for the cost of litigation.

Medical Payments

Pays for the medical payments you may be liable for.

Additional Coverage

Ordinance or Law Coverage: 10% of Coverage A.
Fire Department Service Charge: $500 to cover service charge.
Trees, Shrubs, and Other Plants: Up to 5% of coverage A. No more than $500 per plant.
Credit Card Forgery: Up to $500 per incident. No deductible.
Loss Assessment: Up to $1,000.
Debris Removal.
Landlord furnishings up to $2500
Grave Markers up to $5,000.

Other Highlights

Online Services available.

Deductibles

Can go as low as $500 for both AOP and Wind/Hail.

Optional Coverage

Wind Exclusion View Endorsement	Can be excluded from coverage for lower premium. Required in certain counties and a wind and hail policy is required.
Non-Structural Hail Loss Limitation View Endorsement	Limit up to 2% of coverage A.
Limited Water Damage Coverage View Endorsement	Limits the water damage coverage to $10,000 per loss.
Increased Replacement Cost on Dwelling View Endorsement (25%) View Endorsement (50%)	Can add an additional 25% or 50% to coverage A.
ACV – Windstorm or Hail Losses to Roof Surfacing View Endorsement	Changes the loss settlement on roof to ACV for wind and hail losses.
Increase ordinance or law	Can be increased to 25% of coverage A.
Personal Property Replacement Cost View Endorsement	Changes the loss settlement for personal property to replacement cost.
Special Personal Property Coverage View Endorsement	Adds all perils coverage for personal property but excludes water damage.
Animal liability Buyback View Endorsement	Adds coverage for liability incident that arise from animals.
Personal Injury Protection View Endorsement	Can be added to the policy to protect against false arrest, malicious prosecution, wrongful eviction, slander or libel, and invasion of privacy.
Limited Foundation and Slab Buyback View Endorsement	Can be added to cover the foundation. 15% of coverage A. The policy deductible or $1,000 applies.
Water Back-up and Sump Discharge or Overflow View Endorsement	Available limits are $5,000/$10,000/$25,000.
Scheduled Personal Property View Endorsement	Coverage provided for antiques, camera equipment, fine art, furs, jewelry, musical instruments, guns, silverware, bicycles, coins, fine art, golfer’s equipment, miscellaneous personal property, other sports equipment, stamps.
Increased Jewelry, Watches and Furs View Endorsement	Can be increased in increments of $1,000 up to $5,000.
Loss Assessment View Endorsement	$1,000 is already provided in the policy. This allows you to increase to $5,000 or $10,000.
Home Computer Coverage View Endorsement	Adds coverage for home computers and related equipment. Permits business use for the computers. Can go up to $20,000.
Limited Fungi or Microbes Coverage View Endorsement	Adds coverage for fungi at 25%, 50%, or 100% of coverage A.
Maison Home Package View Endorsement	Personal Property Replacement Cost Coverage 25% increased replacement cost on coverage A $5,000 Water Back-Up and Sump Pump Discharge Personal Injury Coverage $2,500 Loss assessment coverage $1,000 for credit card, fund transfer card, forgery and counterfeit $250 Lock replacement coverage $750 for fire department service charge $3,000 special limits for jewelry, watches, furs, precious and semi-precious stones
Maison Home Plus Package View Endorsement	Personal Property Replacement Cost Coverage 50% increased replacement cost on coverage A $10,000 Water Back-Up and Sump Pump Discharge 25% Ordinance or Law Coverage Special Personal Property Coverage Personal Injury Coverage $5,000 in loss assessment $2,000 in credit card, fund transfer card, forgery and counterfeit $500 in lock replacement coverage $1,000 Fire department service charge $5,000 for jewelry $300 for money $2,500 Securities $3,500 Firearms $4,000 Silverware $3,000 BPP on premises $750 BPP off premises

Discounts

Paid in Full	Discount available if you pay in full.
Companion Policy	Available if you have any other policies within our agency.
New Purchase	Available if the insured is purchasing their policy at the same time they are purchasing the house.
Non-Smoker discount	Available if the insured is not a smoker. Surcharge if the insured smokes.
Fire Protection	Available if the insured has a central station fire alarm.
Burglar Protection	Available if the insured has at least a local burglar alarm.
Secured Subdivision	Available if the insured lives in a secure neighborhood with 24-hour security and gates.
Umbrella Discount	Available if the insured has an umbrella policy within our agency.
E-Policy Discount	Available if the insured agrees to receive documentation via email.

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