CoverageGram Important Disclosures
These descriptions briefly summarize coverage typically provided by standard, frequently sold policies. Your coverage is subject to all terms, conditions exclusions and limits of your policy, which you should read carefully. In some cases, your policy's coverage could vary from what is shown here. Most losses to your own property are subject to an applicable deductible.
Homeowners Notes:
This CoverageGram generally summarizes coverage provided by standard HO3 (Special Peril Homeowners) policies. Coverage on other residential policy forms may vary from what is shown here.
*While a standard unendorsed Homeowners policy covers a roof for its replacement cost, many carriers reserve the right to add a policy restriction limiting coverage to the depreciated value, often due to age or condition of the shingles.
^Base Homeowners policies typically don't cover food spoilage, but many carriers automatically add this coverage for no additional charge.
Homeowners Notes:
This CoverageGram generally summarizes coverage provided by standard HO3 (Special Peril Homeowners) policies. Coverage on other residential policy forms may vary from what is shown here.
*While a standard unendorsed Homeowners policy covers a roof for its replacement cost, many carriers reserve the right to add a policy restriction limiting coverage to the depreciated value, often due to age or condition of the shingles.
^Base Homeowners policies typically don't cover food spoilage, but many carriers automatically add this coverage for no additional charge.
