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Policy Wording Changes

Section 1 - Property Coverages

Wording Changes

Changes

Policy reference

Detached private structures

clarified wording

Sec 1.3; 3.16.1.1.1 1) 1b); 3.20.1.1.1 1) 1b)

Data

delete "tsunami"

Sec 1.8 17); 3.16.3 16); 3.18.2 10); 3.20.3 16)

Water

excl storm drain

Sec 1.8 21) ii); 3.16.2 7) ii); 3.20.2 7) ii)

Vermin

excl birds

Sec 1.8 29); 3.18.2 5); 3.22.2 8); 3.26.3 7)

Marijuana operation

clarified wording

Sec 1.8 36); 3.16.3 22); 3.20.3 22)

Guaranteed Building Replacement

excl bylaw upgrades; mobile homes 21 years or older subject to ACV

Sec 1.10.1

Replacement Cost - Cov B

replace "building" with "structure"

Sec 1.10.2

Replacement Cost - Cov C

delete reference to "scheduled personal property rider"

Sec 1.10.3

Deductible

incl earthquake deductible

Sec 1.11



Section 2 - Liability Coverages

Wording Changes

Changes

Policy reference

Occurrence

clarified wording

Sec 2.1; 2.2; 2.2.5 5); 2.3; 2.7.1; 2.7.2; 2.7.3; 4.3 14)

Marijuana operation

exclusion

Sec 2.6 14)

Defamation

exclusion

Sec 2.6 15)

Electronic aggression

exclusion

Sec 2.6 16)



Section 3 - Optional Coverages

Wording Changes

Changes

Policy reference

Earthquake Rider

excl tsunami; clarified occurrence

Sec 3.4.2 1); 3.4.3

Identity Theft Rider

clarified wording

Sec 3.6.6

Residential Rental Rider

delete reference to "strata unit"

Sec 3.16.1.1.1 1) c)

DrainGuard Rider

incl external drains off premises

Sec 3.24.1

Flood Rider

new optional coverage

Sec 3.27



Section 5 - Definitions

Wording Changes

Changes

Policy reference

Drain

new wording

Sec 5.1 13)

Watermain

clarified wording

Sec 5.1 43)

Bodily injury

clarified wording

Sec 5.2 1)

Digital media

new wording

Sec 5.2 3)

Electronic aggression

new wording

Sec 5.2 4)

Occurrence

new wording

Sec 5.2 6)