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) | 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 | 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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