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| Perils that are covered under this form are fire, lightning, and internal explosion. Losses to the dwelling, other structures, and contents are paid on an actual cash value basis to the insured. |
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| Extended Coverage Endorsement |
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Definition
| The perils of wind, hail, aircraft, riot, vehicles, volcanic eruption (other than those caused by earthquake, land shockwave or tremor), explosion, and smoke are covered by adding this to the DP-1 (Basic Form). |
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| The perils that are covered by this form are those included under the DP-1 with the ECE and optional VMM endorsement attached, plus: damage by burglars; falling objects; weight of snow, ice and sleet; accidental discharge or overflow of water or steam; sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system, or an air conditioning or automatic fire protective sprinkler system, or of a household appliance; and sudden accidental damage from artificially generated electrical current. |
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| Losses to the dwelling, other structures, and contents are paid on an actual cash value basis to the insured. |
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| DP-2 Broad Form & DP-3 Special Form |
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| Losses to the dwelling and other structures are paid on a replacement cost basis, and losses to contents are paid to actual cash value basis to the insured. |
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| This coverage applies to the dwelling described in the Declarations part of the policy including structures attached to the dwelling, such as an attached garage, carport, etc. |
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| This coverage also includes materials and supplies on or next to the described location for the alteration or repair of the dwelling or other structures on the described location. |
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| This coverage applies to other structures on the described location that are detached from the dwelling, such as detached garage, carport, outdoor storage building, etc. |
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| This coverage applies to household and personal property, usual and incidental to the occupancy of the premises as a dwelling and owned by the insured or by members of the insured's family residing with the insured while it is on the described location. At the insured's request, Coverage __ will cover personal property of a guest or servant while the property is on the described location. Personal property of an insured's tenant or boarder is not cover. |
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| This coverage is an indirect loss property coverage that applies following a direct loss to property described in Coverages A, B, or C by an insured peril. |
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| This coverage pays the fair rental value of that part of the described location that is rented to others or held for rental to others at the time of a loss. |
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| Additional Living Expense |
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| This coverage is an indirect loss property coverage that applies following a direct loss to property described in Coverages A, B, or C by an insured peril, and is automatically included only in the DP-2 and the DP-3. |
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| This coverage pays the additional living expense incurred by the insured when an owner-occupied dwelling sustains a direct loss. Additional Living Expenses are deemed those sustained by an insured household in order to maintain its normal standard of living. Coverage can include the increased auto expense of driving a greater distance to and from work as the result of a direct loss. |
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