{"title":"Home \u0026 Personal Contents Extra Coverage","subtitle":"","body":"\u003cstyle\u003e\n    tr{\n    vertical-align: top;\n    }\n    li{\n    style=\"font-size: 15px; font-weight: normal;\"\n    }\n\u003c/style\u003e\n\u003ctable style=\"border: 1px solid #d3d3d3; width: 100%;\" cellspacing=\"1\" cellpadding=\"8\"\u003e\n    \u003ctbody\u003e\n        \u003ctr\u003e\n            \u003cth style=\"background-color: #00539b;\"\u003e\n            \u003ch4 style=\"text-align: center; color: #ffffff;\"\u003eSection of Policy Wording \u003c/h4\u003e\n            \u003c/th\u003e\n            \u003cth style=\"background-color: #00539b;\"\u003e\n            \u003ch4 style=\"text-align: center; color: #ffffff;\"\u003eSub-Section \u003c/h4\u003e\n            \u003c/th\u003e\n            \u003cth style=\"background-color: #00539b;\"\u003e\n            \u003ch4 style=\"text-align: center; color: #ffffff;\"\u003eWhat\u0026rsquo;s Changed?  \u003c/h4\u003e\n            \u003c/th\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\" colspan=\"3\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e\u003cstrong\u003eExtra Coverages within Coverage A (Your Home) for homeowners\u003c/strong\u003e \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\" rowspan=\"6\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e1.7 Home Extra Coverages  \u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\" colspan=\"2\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve added a new section for \u0026ldquo;debris removal\u0026rdquo;, \u0026ldquo;bylaws\u0026rdquo; and \u0026ldquo;landscaping\u0026rdquo; coverages. This section extends your coverage beyond your Coverage A (Your Home) limit, if \u0026ldquo;guaranteed building replacement\u0026rdquo; is available. Previously, the Coverage A (Your Home) limit applied to these coverages and if the limit was exhausted, coverage was not available.  \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e1) Debris removal \u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve added a sublimit that \u0026ldquo;debris removal\u0026rdquo; for insured damage is available up to 10% of the Coverage A (Your Home) limit.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e2) Bylaws \u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve amended the language related to rebuilding or repairing property to reflect that we will pay the minimum amount required (up to the bylaws limit) for increased costs that are necessary to comply with local government bylaws.\n            \u003cbr /\u003e\n            \u003cbr /\u003e\n            We\u0026rsquo;ve added a new definition (section 5.1, 22) to explain what we consider \u0026ldquo;local government bylaws\u0026rdquo;. \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e3) Landscaping, trees, plants and lawns  \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve updated the sublimit for \u0026ldquo;landscaping, trees, plants and lawns\u0026rdquo; from 5% of your Coverage A limit (Your Home) to a dollar value of $25,000.   \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\" colspan=\"2\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eFor all other extra coverages, we\u0026rsquo;ve kept the section that explains these coverages are included within Coverage A (Your Home) and Coverage B (Your Detached Structures) limits and do not increase your coverage beyond these limits. To easily differentiate from the new sections, we\u0026rsquo;ve amended the introduction for clarity.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e5) Lock replacement  \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve broadened coverage for \u0026ldquo;lock replacement\u0026rdquo; for homeowners policies to include instances where your keys are stolen and your locks need to be rekeyed (or replaced).   \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\" colspan=\"3\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e\u003cstrong\u003eExtra Coverages within Coverage C (Your Personal Property) \u003c/strong\u003e \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\" rowspan=\"2\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e1.10 Personal Contents Extra Coverages   \u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e13) Food spoilage \u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve expanded this coverage to include refrigerated food, as previously coverage was only available for frozen food. \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e15) Lock replacement \u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve added \u0026ldquo;lock replacement\u0026rdquo; coverage to Condo and Renter policies. Your policy provides up to $500 to rekey (or replace if they cannot be rekeyed) your locks if your keys are stolen.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n    \u003c/tbody\u003e\n\u003c/table\u003e","disableFooter":true,"ModalSize":"Large","ID":"e5a9fb5d-7e82-43b0-9cd4-73a8699cd274","__DisplayName":"","Name":"Coverages","DisplayName":"Coverages","SortOrder":300}