• shows the who, what, when, where, and how much of the entire policy
• Each of the coverage parts included on the policy
• Declarations page for each coverage part

legal obligations:

• cancellation, changes, examination of your books and records, inspections and surveys, premiums, and transfer of your rights and duties under this policy

coordinate the coverage in multiple coverage parts of the policy to prevent redundancy.

• covers fire, lightning, windstorm, hail, aircraft, riot or civil commotion, vehicles, explosion, smoke, vandalism, sprinkler leakage, sinkhole collapse, and volcanic action
• Limit of insurance $15,000 for all losses occurring in a 12 month period

• perils listed in the basic causes of loss form
• plus the perils of falling objects, weight of ice, snow, or sleet, and water damage caused by accidental discharge

Isurance for losses caused by risks of direct physical loss

• form provides open perils coverage

Limits:

• 2500 Furs/Jewelry/pattens,dies,molds
• 250 stamps letters of credit tickets

Covers buildings, business personal property of the insured

-does NOT provide liability coverage

Covers:

• furniture, fixtures, machinery and equipment, and stock

Direct loss-Max pay of 25 percent

Total loss- pay and additional 10,000

may extend coverage under the following Coverage Extensions:

•  Newly Acquired or Constructed Property,
• Personal Effects and Property of Others,
• Valuable Papers and Records, Property off Premises,
•  Outdoor Property, and Non-Owned Detached Trailers

$500

covers:

• buildings or structures under construction
• their foundations, attached fixtures and machinery,
•  equipment used to service the buildings and structures
• building materials and supplies on the described premises  or within 100 feet of it

• used in place of the Building and Personal Property Coverage Form
• fixtures that are a part of the building