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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.
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| Windstorm, Hurricane and Hail Exclusion |
- You can exclude wind and hail coverage for lower premium.
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| Mold, Fungi, Bacteria or Other Microbes |
- Available at the limits of 25% or 50%.
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| ID Theft Coverage |
- Up to $25,000 for ID theft expenses.
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Discounts
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| Multi-policy discount |
- Available if the insured has more than one home with Pacific Specialty.
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| Age of home |
- The younger the home, the higher the discount.
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| Credit Score |
- Large discount available if credit is good. The better the credit the better the rate.
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