Agent Portal: Pacific Specialty: Dwelling Fire (Form 3)

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Included, Optional Coverage, Discounts

Dwelling Fire Manual

Included

Dwelling Fire Form 3 Contract

Dwelling Coverage

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

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 if Use

  • Covers fair rental value and additional living expenses.

Personal Liability

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

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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Animal Liability
  • Available limits: $25,000/$50,000/$100,000.
Windstorm, Hurricane and Hail Exclusion
  • You can exclude wind and hail coverage for lower premium.
Mold, Fungi, Bacteria or Other Microbes
  • Available at the limits of 25% or 50%.
ID Theft Coverage
  • Up to $25,000 for ID theft expenses.

Discounts

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Multi-policy discount
  • Available if the insured has more than one home with Pacific Specialty.
Age of home
  • The younger the home, the higher the discount.
Credit Score
  • Large discount available if credit is good. The better the credit the better the rate.

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