住宅火灾业主政策通常被称为“点菜冰球突破网址政策”，因为它比标准的房屋业主冰球突破网址政策提供更多的覆盖灵活性. Despite the name, this policy has the option to cover more than fires. 住宅消防业主政策为业主自住住宅或公寓单元提供冰球突破网址. 住宅火灾业主政策有多种可选的覆盖范围，您可以选择包括在您的政策. 这个计划中提供的几个可选冰球突破网址的例子是个人财产置换费用, ordinance or law, theft, liability and medical payments coverage.
你的冰球突破网址代理人可以在这个项目中提供一份完整的冰球突破网址选项列表，以便你做出最适合你的冰球突破网址需求的选择.
We also offer Dwelling Fire insurance for landlords of homes (e.g., single-family homes) and condo units.
许多冰球突破网址都有最低和最高的冰球突破网址金额(通常称为“冰球突破网址限额”)。. 以下的每个冰球突破网址选项卡提供了冰球突破网址范围的基本概述和适用的冰球突破网址范围，使您可以根据您的需要定制您的保单.
住宅火灾业主政策提供了对结 for covered losses. 这意味着你的房子的结构是用今天的建筑成本来重建或修理你的房子, which is not the same as the real estate value of your home.
屋顶较旧的房屋可能不符合标准的房主冰球突破网址政策，也可以符合住宅火灾业主冰球突破网址政策，因为住宅火灾项目有一个实际现金价值屋顶损失赔偿背书，可以添加到基本政策中.
Dwelling (Coverage A) Limit: $125,000 - $1,000,000
我们的住宅消防业主政策为位于住宅物业上的“其他结构”提供冰球突破网址. 例如:一个独立的车库或一个地下游泳池可以被认为是一个“其他结构”. Additional coverage is also available for pool enclosures.
Other Structures (Coverage B) Limit: 1% - 20% of Coverage A
Coverage C provides coverage for your personal belongings. Some examples of the contents you may elect to cover are furniture, clothing, jewelry, television, stereo, and appliances.
Personal Property (Coverage C) Limit: $0 - $250,000
您的个人财产的可选更换成本冰球突破网址，允许您更换或修理的项目，损坏或摧毁基于当前市场价格. Without this coverage, your items will be valued at actual cash value (ACV), which is generally less than the cost of a brand new item. ACV is more like the price you'd see at a garage sale. We recommend purchasing replacement cost coverage for your belongings.
If your home becomes uninhabitable due to a covered loss, 我们的住宅消防业主政策为您和您的家人在远离您的家园生活期间产生的额外生活费用提供冰球突破网址. This includes costs for a place to stay, food, and clothing.
Coverage D & E Limits: 10% of Coverage A
Tip: Make sure you keep all your receipts.
In the event of a covered loss, we provide a pre-paid debit card 你可以马上开始用它来支付那些额外的、意外的费用. 这消除了必须存款支票的麻烦，并将允许您提取现金，您需要立即激活. 这是我们已经实施的许多解决方案之一，以改善安全第一冰球突破网址的客户体验.
如果有人对你提起诉讼，这份冰球突破网址将提供保护, claiming you caused them bodily injury or damaged their property. Liability can protect you in situations that may be unforeseen, such as a friend twisting their ankle on a loose step. 责任冰球突破网址还包括某些辩护费用——即使针对你的诉讼是虚假的, groundless or fraudulent.
Personal Liability (Coverage L) Limits: $0, $100,000, $200,000, $300,000, or $500,000
该冰球突破网址与个人责任冰球突破网址相结合，为其他(不在你的住所居住)的人提供医疗费用冰球突破网址 injured on your property, or who incur injuries resulting from your personal activities.
Medical Payments (Coverage M) Limits: $0, $1,000, $2,500, or $5,000
许多冰球突破网址都有最低和最高的冰球突破网址金额(通常称为“冰球突破网址限额”)。. 下面的每个覆盖选项卡提供了覆盖和适用覆盖范围的基本概述.
记住:你的公寓协会的冰球突破网址政策不为你的单位内部和个人财产提供冰球突破网址. 您有责任修理或更换您的地板、电器和其他室内设施.
这是针对物业的冰球突破网址范围，这是根据您的共管公寓业主协会协议具体由您负责的. 这包括永久贴在单位上的不动产，但不包括在协会的政策范围内, such as flooring, and drywall.
Coverage A Limit: $25,000 - $150,000
这是您的个人物品位于或离开您的住所. 冰球突破网址范围——当物品位于住宿地时，还为客人的个人财产提供冰球突破网址.
Coverage C Limit: $15,000 - $200,000
您的个人财产的可选更换成本冰球突破网址，允许您更换或修理的项目，损坏或摧毁基于当前市场价格. Without this coverage, your items will be valued at actual cash value (ACV), which is generally less than the cost of a brand new item. ACV is more like the price you'd see at a garage sale. We recommend purchasing replacement cost coverage for your belongings.
If your condo becomes uninhabitable due to a covered loss, 我们的政策为您或您的家庭承担的额外费用，而您住在远离您的公寓单元. This includes costs for a place to stay, food, and clothing.
Coverage D & E Limits: 10% of Coverage A
Tip: Make sure you keep all your receipts.
In the event of a covered loss, 我们提供一张预付的借记卡，你可以马上开始使用它来支付这些额外费用, unexpected expenses. 这消除了必须存入支票的麻烦，并允许我们的客户在激活后立即提取现金. 这是我们已经实施的许多解决方案之一，以改善安全第一冰球突破网址的客户体验.
如果有人对你提起诉讼，这份冰球突破网址将提供保护, claiming you caused them bodily injury or damaged their property. Liability can protect you in situations that may be unforeseen, such as a friend twisting their ankle on a loose step. 责任冰球突破网址还包括某些辩护费用——即使针对你的诉讼是虚假的, groundless or fraudulent.
Premises Liability is only available on 有限责任公司，地产和信托为住宅火灾业主 policy. 房屋责任为被冰球突破网址结构提供与个人责任相同的冰球突破网址范围.
Coverage L Limits: $0, $100,000, $200,000, $300,000, or $500,000
该冰球突破网址与个人责任冰球突破网址相结合，为在您的财产上受伤的其他人(不居住在您的住所)提供医疗费用冰球突破网址, or who incur injuries resulting from your personal activities.
Coverage M Limits: $0, $1,000, $2,500, or $5,000