Amerites
Real Estate Invesment and Financial Services
Homeowner Insurance policies

COMPARISON OF DWELLING FORMS WITH HOMEOWNERS POLICIES

PROPERTY

TD1 Fire & E.C.

TDP2 Fire & E.C.

TDP3 Fire & E.C.

HO-A Form

HO-A+

Dwelling

X

X

X

X

X

Contents

 

 

 

X

X

Private Outbuildings

X

X

X

X

X

PERILS

 

 

 

 

 

Fire

X

X

X

X

X

Lightning

X

X

X

X

X

Windstorm & Hurricane*

X

X

X

X

X

Hail*

X

X

X

X

X

Explosion

X

X

X

X

X

Riot, Civil Commotion

X

X

X

X

X

Aircraft

X

X

X

X

X

Vehicle Damage

X

X

X

X

X

Smoke

X

X

X

X

X

Vandalism & Malicious Mischief

 

X

X

X

X

Incidental Discharge Plumbing or Heat

 

X

X

 

X  

Rupture or Busting (Water)

 

X

X

 

X

Fall of Tress

 

X

X

 

X

Falling Objects

 

 

X

 

X

Freezing of Plumbing

 

X

X

 

X

Collapse of Building

 

X

X

 

X

Weight of Ice & Snow

 

X

X

 

X

Glass Breakage

 

X

X

 

X

Special Form on Building

 

 

X

 

 

Theft (Personal Property)

 

 

 

X

X

Personal Liability

 

 

 

X

X

Additional Living Expenses

 

 

X

X

X

Replacement Cost (80% Basis)

 

 

X

 

X

Trees, Shrubs, Plants (name Perils)

 

 

X

X

X

Medical Payments

 

 

 

X

X

Physical Damage (property of others)

 

 

 

X

X

Contents Replacement Cost

 

 

 

 

 

*First tier counties must have the signed wind storm exclusion TDP-001 for all fire & EC applicant and HO-140 for all homeowner applicants. The above comparison reflect basic coverage provide under state forms. Additional coverage may be added by endorsements. 
 

HOMOWNERS COVERAGE A (DWELLING) AND COVERAGE B (OTHER STRUCTURE)

PERILS INSURED AGAINST HO-3 HO-2, 4 & 6 HO-1 & HO-8
Fire or Lighting YES YES YES
Windstorm or Hail YES YES YES
Explosion YES YES YES
Riot or Civil Commotion YES YES YES
Aircraft YES YES YES
Vehicles YES YES YES
Smoke YES YES YES
Vandalism YES YES YES
Theft YES YES YES
Volcanic Eruption YES YES YES
Falling Objects YES YES YES
Weigh of Ice, Sleet, or Snow YES YES NO
Accidental Discharge or Overflow of Water or Steam YES YES NO
Cracking, Burning, Bulging of Heating System or AC or Hot Water Heater YES YES NO
Sudden and Accidental Damage from Artificially – Generated Electrical Current YES YES NO
Freezing YES YES NO
Risks of Direct Loss, Except: YES YES NO
Theft to Dwelling Under Construction NO NO NO
V&MM if Vacant more than 30 Days NO NO NO
Wear and Tear, Inherent Vice, Mechanical Breakdown, Rust, Rot, AG. Or Industrial Smoke, Pollution, Setting, Birds, Rodents, Insects, Animals, Ect. NO NO NO

HOMEOWNERS COVERAGE C PERSONAL PROPERTY

PERILS INSURED AGAINST HO-3 HO-2, 4 & 6 HO-1 & HO-8
Fire or Lighting YES YES YES
Windstorm or Hail YES YES YES
Explosion YES YES YES
Riot or Civil Commotion YES YES YES
Aircraft YES YES YES
Vehicles YES YES YES
Smoke YES YES YES
Vandalism YES YES YES
Theft YES YES YES
Volcanic Eruption YES YES YES
Falling Objects YES YES YES
Weigh of Ice, Sleet, or Snow YES YES NO
Accidental Discharge or Overflow of Water or Steam YES YES NO
Cracking, Burning, Bulging of Heating System or AC or Hot Water Heater YES YES NO
Sudden and Accidental Damage from Artificially – Generated Electrical Current YES YES NO
Freezing YES YES NO
Amerites, LLC
4544 Post Oak Place Dr., Suite #148
Houston, Texas 77027
Tel: (713) 877-9000
Fax: (866) 599-9032
Email:
info@amerites.com


Mortgage Broker: TX Broker Lic. 58834
Real Estate Broker: TX Broker Lic. 0541360
General Line Insurance (P & C): TX Broker Lic. 1344546
General Line Insurance (L,A,H): TX Broker Lic. 1344546
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