Agent Portal: Travelers: HO-2 - Milestone Insurance

Included

Dwelling Coverage, Other Structures, Personal Property, Special Limits, Loss of Use, Personal Liability, Medical Payments, Additional Coverage, Other Highlights, Available Deductibles

Dwelling Coverage

Covers the structure on the residence premises.
Actual Cash Value.

Covered Perils:

Fire or Lighting
Windstorm or hail
Explosion
Riot or Civil Commotion
Aircraft Includes Spacecraft.
Vehicles
Smoke
Vandalism or Malicious Mischief
Theft
Falling Objects
Weight of Ice, snow or sleet
Accidental Discharge or Overflow of Water or Steam. Damaged appliance or pipe will not be replaced.
Sudden and accidental tearing apart Cracking, Burning or Bulging
Freezing
Sudden and Accidental Damage from Artificially Generated Electrical Current.
Volcanic Eruption.

Exclusions:

Land is not covered.
Earth Movement
Flood (Including back up of sewers or drains.)
Power Failure
Neglect
War
Nuclear Hazard
Intentional Loss
Governmental Action
Fungi (That was not caused by a covered peril)

Other Structures

Covers other structures on the premises set apart from a clear space. Includes structures connected by a fence.

Exclusions:

Land
Rented Structures
Business inside structure
Business property stored in structure

Personal Property

Covers personal property anywhere in the world.
Covers other people’s property inside the residence even if they are a temporary guest.
10% of personal property coverage for items at other residences ($1,000 minimum). This does not apply if it is at the premises while the primary premises is being repaired. Covered at a newly acquired residence up to 30 days.
Actual Cash Value

Covered Perils:

Fire or Lighting
Windstorm or hail
Explosion
Riot or Civil Commotion
Aircraft Includes Spacecraft.
Vehicles
Smoke
Vandalism or Malicious Mischief
Theft
Falling Objects
Weight of Ice, snow or sleet
Accidental Discharge or Overflow of Water or Steam. Damaged appliance or pipe will not be replaced.
Sudden and accidental tearing apart Cracking, Burning or Bulging
Freezing
Sudden and Accidental Damage from Artificially Generated Electrical Current.
Volcanic Eruption.

Property not Covered:

Property already insured (Scheduled, under blanket, ETC.)
Animals
Motor Vehicles (does not include non-street worthy vehicles used on the residence.)
Aircraft or Hovercraft
Property of roomers, boarders and other tenants unless they are related to the insured.
Business Data.
Credit Cards.
Water or Steam.

Exclusions:

Earth Movement
Flood (Including back up of sewers or drains.)
Power Failure
Neglect
War
Nuclear Hazard
Intentional Loss
Governmental Action
Fungi (That was not caused by a covered peril)

Special Limits

Personal Property	Special Limit in Form	Maximum Limit
Jewelry, Watches, and Furs (Theft)	$1,500	$6,500
Money	$200	$1,000
Securities	$1,500	$3,000
Silverware, Goldware, and Pewterware (Theft)	$2,500	$10,000
Electronic Apparatus in or upon a motor vehicle	$1,500	$6,000
Tapes, records, discs or other media in or upon a motor vehicle	$250	$500
Personal Property on Watercraft	$1,500	N/A
Personal Property on Trailers	$1,500	N/A
Firearms (Theft)	$2,500	N/A
Business Property	$5,000 on $1,500 away	N/A
Limit of property at other residences (Does not include property being repaired. Does not include property bought within 30 days)	$1000	$1,500

Loss of Use

Covers additional living expenses while the home is being repaired and if it is unlivable.
This can also cover fair rental value if you are losing rent due to a covered loss.

Personal Liability

Pays for damages the insured is legally liable to pay.
Provides defense at Traveler’s expense in court no matter what.
Up to $500,000 in liability available.

Additional Coverage:

Claims expenses
First aid expenses
Up to $1,000 for damage to another person’s property.
Loss Assessment

Exclusions:

Intentional
Caused by War
Caused by a motor vehicle

Medical Payments

Pays for the medical expenses you are legally liable to pay.
Within three years of the date of the accident.

Additional Coverage

Debris Removal
Tree Removal. Up to $1,000.
Reasonable Repairs.
Trees, Shrubs and Other Plants. Perils insured against: Fire or Lightning, explosion, riot or civil commotion, Aircraft, vehicles not owned by the insured, vandalism or malicious mischief, or theft.
Fire Department Service Charge. Up to $500.
Property removed up to 30 days.
Credit card, EFT Card, Forgery and Counterfeit Money. Up to $1,000.
Loss Assessment up to $1,000.
This means an abrupt falling down or carving in a of a building or any part of a building.
Glass or Safety Glazing Material.
Landlord’s Furnishings, up to $2,500 for appliances.
Ordinance or Law up to 10%.
Grave Markers up to $5,000.
Refrigerated products up to $500.
Inflation Coverage. This will adjust the rates at each renewal to keep up with cost of materials.
Limited “Fungi”, Other Microbes or Rot. Covered loss must result in Fungi issue.

Other Highlights

Online Services available. Phone app included.

Available Deductibles

Wind/Hail: 1%, 2%, 3%, 4%, 5%, and 10%.
All Peril: $500, $1000, $1500, $2500, $3500, $5000, $10000, $25000, $50000. 1%, 2%, 3%, 4%, 5%, and 10%.

Included, Optional Coverage, Discounts

Optional Coverage

Valuable Items Plus (HO-61) View Endorsement	Adds blanket coverage for jewelry, furs, computers, fine arts, guns can be added up to $50,000 total. Cameras, musical instruments, silverware, china/crystal can be added up to $10,000 total. Will pay up to $10,000 for each item. No deductible.
Enhanced Home Package (HO-85) View Endorsement	Changes Limits and adds coverage to HO-2, HO-3, HO-5, HO-4, and HO-6. Adds personal injury Money coverage increased by $100 Securities increased by $1,500 Watercraft increased by $1,500 Jewelry increased by $1,500 Silverware increased by $1,500 Business property increased by $500 Property away from premises increased by $250 Electronic apparatus on vehicle increased by $500 Tapes, records, and discs or other media increased by $250 Adds lock replacement coverage up to $250 Adds $250 for rewards given to people for stolen items. Adds water backup and sump discharge or overflow up to coverage A and C. Fire department service charge increased by $250 Credit card, fund transfer card, forgery, and counterfeit money increased by $1,500 Loss Assessment increased by $4,000
Identity Fraud Expense (HO-455) View Endorsement	Reimburses up to $25,000 for expenses that are the direct result of identity fraud. No deductible.
Permitted Incidental Occupancies- Residence Premises (HO-42) View Endorsement	Changes the personal property coverage for business property to $5,000. Medical payments will not apply to employees.
Permitted Incidental Occupancies- Other Residence (HO-43) View Endorsement	Changes the personal property coverage for business property to $5,000. Medical payments will not apply to employees.
Personal Injury (HO-82) View Endorsement	Adds liability coverage for personal injury (False arrest, malicious prosecution, slander).
Loss Assessment Coverage (HO-35) View Endorsement	Included in this policy at $1,000. Adds coverage for areas owned by neighborhoods or homeowner’s associations that is assessed to you. Can be added up to $50,000.
Green Home (HO-544) View Endorsement	Confirms that the home is considered a green home and that the materials used to rebuild the home will be green materials.
Residence Held in Trust (HO-543) View Endorsement	Adds the name of the trust if the residence is held in one.
Actual Cash Value Loss Settlement – Roof (HO-493) View Endorsement	Change the roof settlement to ACV for a reduced premium.
Assisted Living Care Coverage (HO-459) View Endorsement	Provides liability coverage for a family member that is in an assisted living facility.
Building Additions and Alterations Other Residence (HO-46) View Endorsement	Covers additions and alterations of other residences owned by the insured.
Building Ordinance or Law Coverage – Increased Limits	Provides coverage for any loss due to construction, repair, demolition or zoning of the dwelling. Up to 15%.
Business Property Increased Limits (HO-146) View Endorsement	Adds property coverage for business property stored on the premises.
Credit Card, Funds Transfer Card, Forgery and Counterfeit	Adds coverage for financial losses due directly to forgery and counterfeit. Limits: 2500,5000, 7500,10000.
Dwelling under Construction Coverage (HO-102) View Endorsement	Will provide coverage to the dwelling while it is under construction up to one year in advance. Builders risk endorsement.
Earthquake (HO-54) View Endorsement	Provides coverage for earthquake damage at a special deductible. Can exclude and include masonry veneer. Available deductibles: 10%, 15%, 20%, 25%.
Farmers Personal Liability (HO-210) View Endorsement	Extends liability coverage to farms.
Foundation Coverage (HO-468) View Endorsement	Provides coverage for damage to foundation. Up to $25,000.
Functional Replacement Cost Loss Settlement (HO-825) View Endorsement	Loss settlement will use cheaper materials to rebuild the home. Will decrease premium.
Increased Special Limits	Jewelry, Watches and Furs up to $6,500 Money up to $1,000 Securities up to $1,500 Silverware, Goldware and Pewterware up to $10,000 Electronic Apparatus in or upon a motor vehicle $1,500 Tapes, records, discs or other media in or upon a motor vehicle up to $500
Loss Assessment Earthquake (HO-36) View Endorsement	Adds loss assessment coverage for losses due to earthquakes.
Modified Loss Settlement (HO-530) View Endorsement	Losses will be paid out at the actual amount it cost to repair. Will lower premium. Cannot be written with Functional replacement cost.
Motorized Golf Cart Coverage (HO-28) View Endorsement	Extends coverage to golf carts on the premises. $250 deductible applies. The most that will be paid for one loss is $5,000.
Other Members of Your Household (HO-458) View Endorsement	Lists the other members in the household who are not an insured or tenant.
Personal Liability Umbrella Supplement (58200 TX)	Adds excess liability to the policy. Maximum limit is $10,000,000.
Replacement Cost Loss Settlement for Certain Non-Building Structures (HO-433)	Adds replacement cost for non-structures (Walls, driveways, non-wood patios.)
Residence Glass Coverage (HO-105) View Endorsement	Provides coverage for glass that is not scheduled.
Special Coverage on Personal Property (HO-15) View Endorsement	Changes the coverage and exclusions for personal property. Jewelry covered for being misplaced. Firearms covered for being misplaced. Silverware covered for being misplaced.
Student Away from Residence Premises (HO-311)	Adds section 1 and section 2 coverage for a resident who is away at school. Must have lived at the home before moving away to college.
Water Backup of Sewers Or Drains (HO-208) View Endorsement	Adds coverage for damage due to water back up. Available limits: $5,000/$10,000/$15,000. Additional discount if you have sump pump. No deductible.
Watercraft Hull Coverage (HO-76) View Endorsement	Extends property coverage to watercraft on premises. Watercraft cannot be longer than 26 feet length. No deductible applies for this coverage. Not covered while away from premises.

Included, Optional Coverage, Discounts

Discounts

Protection Devices	Fire Fire extinguisher, smoke alarm, local fire alarm, central fire alarm, direct fire alarm, partial sprinkler system, full sprinkler system. Theft Deadbolts, local burglar alarm, central burglar alarm (Certification required), direct burglar alarm (Certification required), 24-Hour Security Guard.
Hail resistant roof	Will provide a credit if the roof is hail resistant. Certification is required. Damage to roof by hail excluded from the policy.
Age of Roof	The younger the roof the bigger the discount.
Green Discount	The discount is available for a residence that has received the Leadership in Energy and Environmental Design (LEED) certificate.
Loss Free Discount	Available if you are loss free for three years.
Home Buyer Discount	Available if you just purchased the home on or 12 months before the effective date.
Early Quote Discount	Available if the effective date is in the future. The farther out the bigger the discount.
Multi-Policy Discount	Available if you have any other policies with Travelers.

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