|
RULE 20.3 - LIMITS
OF LIABILITY AND COVERAGE RELATIONSHIPS CHART
The limits of liability
required under the policies are as follows:
| Coverage |
Premier
|
Premier
Plus
|
Premier
Select
|
Premier
Condo
|
Premier
Renters
|
| Section
I - Property Coverages |
|
|
|
|
|
| A.
Dwelling Minimum Limits |
|
|
|
|
|
Primary Residence
|
SEE
|
SEE
|
SEE
|
$5,000
|
N/C
|
| |
MINIMUM
|
MINIMUM
|
MINIMUM
|
|
|
Secondary
and
|
LIMITS
|
LIMITS
|
LIMITS
|
$5,000
|
N/C
|
Seasonal
Residence
|
RULE*
|
RULE*
|
RULE*
|
|
|
The coverage for Premier
Condo Policy may be increased (see Rule 35.1A).
*See Underwriting Rule 05.1G.
| Coverage |
Premier
|
Premier
Plus
|
Premier
Select
|
Premier
Condo
|
Premier
Renters
|
| B.
Other Structures |
10%
of A
|
10%
of A
|
10%
of A
|
N/C
|
N/C
|
| May
be increased on a specific structure (see Rule
35.2). |
| C.
Personal Property |
60%
of A
|
75%
of A
|
60%
of A
|
25,000
|
15,000
|
The coverage for Premier,
Premier Plus and Premier Select may be increased (See Rule
35.3A).
| Coverage |
Premier
|
Premier
Plus
|
Premier
Select
|
Premier
Condo
|
Premier
Renters
|
| Individual Limits of Liability** |
|
|
|
|
|
| 1)
Money, bank notes, coins |
$
200
|
$
200
|
$
200
|
$
200
|
$
200
|
| 2)
Securities, accounts, deeds |
1,000
|
1,000
|
1,000
|
1,000
|
1,000
|
| 3)
Watercraft and equipment |
1,500
|
1,500
|
1,500
|
1,500
|
1,500
|
| 4)
Trailers not used with watercraft |
1,000
|
1,000
|
1,000
|
1,000
|
1,000
|
| 5a)
Jewelry and furs (theft) |
1,000
|
1,000
|
1,000
|
1,000
|
1,000
|
| 5b)
Jewelry and furs(misplaced or lost) |
N/C
|
1,000
|
N/C
|
N/C
|
N/C
|
| 6a)
Firearms (theft) |
2,000
|
2,000
|
2,000
|
2,000
|
2,000
|
| 6b)
Firearms(misplaced or lost) |
N/C
|
2,000
|
N/C
|
N/C
|
N/C
|
| 7a)
Silverware and goldware (theft) |
2,500
|
2,500
|
N/C
|
2,500
|
2,500
|
| 7b)
Silverware and goldware (misplaced or lost) |
N/C
|
2,500
|
N/C
|
N/C
|
N/C
|
8)
Property used in business
(on premises) |
2,500
|
2,500
|
2,500
|
2,500
|
2,500
|
9)
Property used in business
(off premises) |
500
|
500
|
500
|
500
|
500
|
**May be increased (see
Rule 35.3D).
N/C - No Coverage
| Coverage |
|
|
|
|
|
| |
|
|
|
|
|
| D. Loss of Use |
|
|
|
|
|
| |
Premier,
Premier Plus & Premier Select |
Actual loss sustained within 12 months of the date of loss, not to exceed 30% of the Coverage A amount. |
| |
|
|
|
|
|
| |
Premier Condominium Owners & Premier Renters |
Actual loss sustained within 12 months of the date of loss, not to exceed 30% of the Coverage C amount. |
| |
| Coverage |
Premier |
Premier Plus |
Premier
Select |
Premier Condo |
Premier Renters |
| Section
II Liability |
|
|
|
|
| E.
Personal Liability |
$100,000
|
$100,000
|
$100,000
|
$100,000
|
$100,000
|
| Limit
is per each occurrence. This coverage may be increased (see Rule
35.7). |
| F.
Medical Payments to Others |
$
1,000
|
$
1,000
|
$
1,000
|
$
1,000
|
$
1,000
|
| Limit
is per person. This coverage may be increased (see Rule
35.8). |
|
