Coverage D - Additional Living Expenses

Question 1

What is coverage D?

Answer 1

Coverage D - additional living expenses

Question 2

What is insured in coverage D?

Answer 2

*Increased Living expenses
*Fair Rental Value

Question 3

What is Prohibited Access in coverage D?

Answer 3

Damage or mass evaluation from your neighboring premises, for up to 2 weeks.

Question 4

What is not insured in coverage D?

Answer 4

Evacuation resulted in floods, earthquakes, terrorism, nuclear, and radioactive contamination.

Question 5

What is extensions coverage?

Answer 5

Coverage that is automatically included in your policy.

Question 6

In your extension coverage, what is included in debris removal?

Answer 6

Pay the cost of removal from your premises, the debris resulting from a loss or damage.

Question 7

In your extension coverage, what is included in the property removed?

Answer 7

The removal of property to protect it from loss or damage for 30 days or until the end of your policy term.

Question 8

In your extension coverage, what is included in moving to another home?

Answer 8

Insured personal property while in transit to another location, and coverage applies for 30 consecutive days.

Question 9

In your extension coverage, what is included in damage to dwelling? (Applicable to a tenant)

Answer 9

Coverage C up to $500, for the portion of the dwelling you occupy, interior repair caused by vandalism or malicious acts.

Question 10

In your extension coverage, what is included in the fire department charges?

Answer 10

Reimbursement up to $1,000 (without deductible)

Question 11

In your extension coverage, what is included in freezer foods?

Answer 11

Up to $ 2,000 (without deductible)

Question 12

In your extension coverage, what is included in credit or debit cards, forgery, and counterfeit money?

Answer 12

Up to $200 for any one transaction (aggregate limit)

Question 13

In your extension coverage, what is included in the change of temperature?

Answer 13

A change of temperature resulting in damage caused by insured peril only applies to personal property kept in the dwelling.

Question 14

In your extension coverage, what is included in lock replacement?

Answer 14

Up to $ 500 (without deductible) to replace or re-key if your keys are stolen. Must be reported to the police.

Question 15

In your extension coverage, what is included in the tear out?

Answer 15

Recovery cost to repair after the result of water damage repairs to restore the building or structure.

Question 16

In your extension coverage, what is included in the arson & burglary conviction reward?

Answer 16

$1,000 (without deductible) for information that leads to conviction
$1,000 (without deductible) for information leading to an arrest against the person who robs, steals or burglarized.

Question 17

In your extension coverage, what is included in the inflation protection?

Answer 17

An increased premium automatically increases upon renewal.

Question 18

What are insured perils?

Answer 18

All risks of direct physical loss or damage subject to exclusions & conditions.

Question 19

What exclusions in section 1 do we not insure?