| COVERAGES |
|
DIRECT PLATINUM |
|
DIRECT GOLD |
| Home Replacement Cost Guarantee |
|
Up to policy limits or other loss settlement
clause |
|
Up to policy limits or other loss settlement
clause |
| Personal Property Replacement Cost |
|
Included |
|
Optional |
| Personal Property (contents) - % of Dwelling
Coverage |
|
50% |
|
50% |
| Additional Living Expenses - % of Dwelling Coverage
|
|
20% (No Time Limit) |
|
20% (No Time Limit) |
| Building Structures Not Attached - % of Dwelling
Coverage |
|
10% |
|
10% |
| Personal Injury Liability |
|
Optional |
|
Optional |
| Business Property Off Premises |
|
$250 |
|
$250 |
| Business Property On Premises |
|
$2,500 |
|
$2,500 |
| Computers |
|
Included for certain perils |
|
Included for certain perils |
| Debris Removal |
|
Included with certain limits |
|
Included with certain limits |
| Fire Department Service Charges |
|
$500 |
|
$500 |
| Manuscripts |
|
$1,000 |
|
$1,000 |
| Money, Etc. |
|
$200 |
|
$200 |
| Refrigerated Property (up to $500) |
|
Included |
|
Included |
| Theft of Firearms |
|
$2,000* |
|
$2,000 |
| Theft of Jewelry, Furs, Watches |
|
$1,000* |
|
$1,000 |
| Theft of Silverware and Goldware |
|
$2,500* |
|
$2,500 |
| Trees, Plant, Shrubs (up to $500 each) |
|
5% of Dwelling Coverage |
|
5% of Dwelling Coverage |
| Watercraft and Trailers |
|
$1,000 |
|
$1,000 |
| Optional Coverages Available |
|
DIRECT PLATINUM |
|
DIRECT GOLD |
| Additional Coverage for Jewelry, Watches and
Furs |
|
Yes |
|
Yes |
| Additional Coverage for Cameras, and Musical
Instruments |
|
Yes |
|
Yes |
| Additional Money and Securities Coverage |
|
Yes |
|
Yes |
| Business Personal Property |
|
Yes |
|
Yes |
| Special Computer Coverage (additional perils
protection) |
|
Yes |
|
Yes |
| |
| Optional Endorsements Available |
|
|
|
|
| Coverage for Liability Arising from Domestic
Employees |
|
Yes |
|
Yes |
| Earthquake Coverage |
|
Yes |
|
Yes |
| Windstorm and Hail Deductible |
|
No |
|
No |
Products & Services
