| Age of Dwelling | HO3/HO5: 1980 or newer HO6: 1980 or newer | HO3: 1950 or newer HO6: 1980 or newer | HO3: 1920 or newer HO6: 1980 or newer |
| Updates/Maintenance Updates/Maintenance continued… | Heating/plumbing systems updated in the last 20 years. Update form signed by the insured must be completed and signed by the insured and kept in the agent’s office. Electrical Service must be able to handle all current utilities. Homes without circuit breakers, with aluminum or mixed wiring or with know and tube wiring cannot be bound. Roof, sidewalks and remainder of dwelling, must be maintained in good repair. | Heating/plumbing systems updated in the last 20 years. Update form signed by the insured must be completed and signed by the insured and kept in the agent’s office. Electrical Service must be able to handle all current utilities. Homes without circuit breakers, with aluminum or mixed wiring or with know and tube wiring cannot be bound. Roof, sidewalks and remainder of dwelling, must be maintained in good repair. | Heating/plumbing systems updated in the last 20 years. Update form signed by the insured must be completed and signed by the insured and kept in the agent’s office. Electrical Service must be able to handle all current utilities. Homes without circuit breakers, with aluminum or mixed wiring or with know and tube wiring cannot be bound. Roof, sidewalks and remainder of dwelling, must be maintained in good repair. |
| Forms | HO3, HO5 and HO6 HO3/HO5 automatically includes Platinum Plus Endorsement. HO6 automatically includes Extended Condo Endorsement | HO3, HO4, HO5 and HO6 | HO3, HO4, HO5 and HO6 |
| Coverage Minimums and Maximums | HO3/HO5 Dwelling Coverage Minimum $200 K Maximum $1,000,000 HO6 Contents Coverage Minimum: $40 K Maximum: $1,000,000 | HO3/HO5 Dwelling Coverage Minimum $150 K Maximum $800 K HO4/HO6 Contents Coverage Minimum: $30 K Maximum: $300 K | HO3/HO5 Dwelling Coverage Minimum $100 K Maximum $800 K HO4/HO6 Minimum: $20 K Maximum: $300K |
| Minimum Deductible | $500 | $500 | $500 |
| Protection Class | PC 1-8 (There must be a fire hydrant within 1000 feet of dwelling. | PC 1-8 (There must be a fire hydrant within 1000 feet of dwelling. | PC 1-9 |
| Insurance to Value | 100% Replacement Cost | 100% Replacement Cost | 100% Replacement Cost |
| Loss History | No claims in last 3 years | No claims in last 3 years | Only one property loss is allowed. It cannot exceed $10,000. More than one loss is ineligible regardless of payout. No liability losses are allowed. |
| Prior Insurance | Risk must not have been canceled, declined or non-renewed for underwriting reasons nor had either a history of non-payment or a gap in coverage with the prior insurer. | Risk must not have been canceled, declined or non-renewed for underwriting reasons nor had either a history of non-payment or a gap in coverage with the prior insurer. | Risk must not have been canceled, declined or non-renewed for underwriting reasons nor had either a history of non-payment or a gap in coverage with the prior insurer. |
| Scheduled Personal Property (Jewelry and Furs Only) | Maximum: $20,000 per item $100,000 per schedule Appraisals: Evidence of value required-appraisal or bill of sale no older than 3 years old must accompany submission. | Maximum: $15,000 per item $60,000 per schedule Appraisals: Evidence of value required-appraisal or bill of sale no older than 3 years old must accompany submission. | Maximum: $10,000 per item $50,000 per schedule Appraisals: Evidence of value required-appraisal or bill of sale no older than 3 years old must accompany submission. |
