Agent Portal: UPC: Dwelling Fire (Form-3)

• Jewelry, Watches and Furs.
• Portable Electronic Equipment in or upon a motor.

• Money

• Silverware, Goldware and Pewterware.
• Firearms.

• Up to $6,500 (not exceeding $1000 per article): Jewelry, Watches, and Furs.
• Up to $1,000: Money.
• Up to $3,000: Silverware, Goldware and Pewterware.
• Up to $6,500: Firearms.
• Up to $6,000: Portable Electronic Equipment in or upon a motor vehicle.

• Can be added to provide additional coverage of 25% or 50%.

• Can be endorsed to extend liability coverage to rented premises.

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• Can be endorsed to add animal liability. Up to $500,000.

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• Covers the foundation.

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• Added to provide coverage to equipment attached to the home that breaks down. Includes water heater, pipes. AC unit. Or dishwasher.

• Can be added to provide liability to golf carts on the premises.

• Provides coverage for computer equipment up to $20,000.

• Provides coverage for identity theft expenses. Up to $25,000. No deductible applies.

• Can cover the policy at the following percentages of coverage A: 25%, 50%, 100%. Insured must prove that there is no existing mold in the home.  A statement from a qualified air quality testing firm certifying that the residence is free of toxic molds and that the overall mold levels in the residence are no greater than the mold levels of the ambient outside air. A statement from a licensed master plumber that the residence is free of water leaks and that all plumbing and drainage systems are in good working order.

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• $1,000 deductible applies. Available limits: $5000, $10000, $25000.

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• Added to lower premium. Only covers up to $10,000.

• Can extend liability to other locations the insured occupies.

• Can be endorsed to add coverage for other members of the household.

• Can be endorsed to add liability coverage for structures the insured rents on the property.

• Adds liability coverage for watercraft.

• Can add up to $500,000.  Coverage includes offenses such as false arrest, detention or imprisonment, libel, slander, defamation of character, invasion of privacy, and wrongful eviction or wrongful entry.

• Adds replacement cost loss settlement on contents.

• Property you can schedule: Antiques, Bicycles, Cameras, Coins, Fine Arts, Furs, Golfers Equipment, Guns (Up to $10,000 per item, class limit of $20,000), Jewelry (Up to $25,000 per item), miscellaneous personal property, musical instruments, other sports equipment, silverware, stamps. You can schedule up to a maximum $150,000. Appraisal within 5 years is required if an item is over $10,000 in value. If the total schedule is over $25,000 the home will require a central burglary alarm.

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• Inflation Guard added at 4%
• Personal property covered at replacement cost
• Coverage D extended for one week
• Personal Liability added
• Property damage increased to $2,500
• Lock replacement coverage added up to $250 per occurrence (No deductible)
• Loss Assessment increased to $2,500
• Fire department service charge increased to $750
• $500 reward for an insured who provides information leading to a theft conviction stemming from a covered loss.
• Additional coverage amounts: Credit cards raised to $1,000/ theft of jewelry increased to $2,000 (1,500 per item)/ theft of firearms increased to $5,000. / electronic apparatus in a motor vehicle increased to $5,000/ Business property on premises increased to $5,000, off premises increased to $500/ loss assessment increased to $3,000

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• Includes everything in Premier.
• Adds: Trees debris removal increased to $2,000 (500 per tree) and 25% additional coverage A.

• Includes everything in premier plus.
• Adds special computer coverage up to $20,000 per occurrence.
• Personal liability increased to $500,000.
• Business personal property on premises increased to $10,000/ off premises increased to $1,000.

• Extends liability to a student away from home.

• Optional limits include $5,000 or $10,000.

• Adds coverage for water damage due to seepage or leakage of water or steam.

• Younger the home the better the discount.

• Older the client better the discount.

• Available if the dwelling has a hip roof. “A roof having sloping ends and sides meeting at an inclined projecting angle.”

• Available without providing proof of other business with agency. Flood policies with UPC include discount.

• Lower premium if the account is paid by a mortgage company. Also available if the insured pays in full.

• Available if the insured has a direct, central, or local alarm. Central is the highest discount. Proof must be provided.

• Available if the home has a sprinkler system.

• Available if the neighborhood is gated.