Agent Portal: Kemper: Dwelling Fire Form-3

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• Adds coverage for scheduled and unscheduled glass. $100 per occurrence.

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• Changes the loss settlement to replacement cost on HO-A+ policies.

• Adds coverage to radio antennas or television antennae without a deductible. HO-A+ only.

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• Extends the policy liability to other premises that the insured rents out. Must have its own liability coverage.

• Extends liability coverage to other residences owned by the insured.

• Used to change the address of the same premises.

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• Extends the liability for business conducted on the premises. Available business: Clerical Employees, Salespersons, collectors or messengers, Teachers. There is no coverage for property damage or bodily injury.

• The clause extends coverage to personal property that is owned by both properties after a divorce. This endorsement excludes that coverage.

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• Extends liability to farms owned by the insured. There is no coverage for property damage or bodily injury.

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• Adds coverage up to $15,000 for identity fraud expense.

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• Covers injury arising out offenses, such as false arrest, libel/slander, wrongful eviction, etc.

• Increases the special limits in the policy.
• Bullion/valuable paper up to $500
• Jewelry, watches, and furs in increments of $100 up to $4,500.
• Increased limit on Money/Bank Cards up to $1,000
• Increased business property to $5,000

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• Can be added to increase the amount afforded after loss if cost of construction increases. Available limits: 10%, 15%, 25% of coverage A.

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• Adds lender to policy for boat coverage.

• Adds loss assessment coverage up to $25,000. $250 deductible applies.

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• Adds loss assessment coverage up to $25,000. $250 deductible applies.

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• Adds liability for an office, private school or studio that is conducted on the premises. There is no coverage for property damage or bodily injury.

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• Adds personal computer coverage up to 10% of personal property limit. Subject to a $100 deductible.

• Increases dwelling coverage A up to 25%.

• Provides loss assessment coverage for a townhome.

• Provides windstorm coverage for cloth awnings on the premises.

• Provides windstorm coverage for Greenhouses.

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• Adds blanket coverage to Jewelry, furs, fine arts, silverware (Limited to $10,000 each $50,000 aggregate) and golfer’s equipment, cameras, guns, musical instruments (Limited to $5,000 each $25,000 aggregate)

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• The following can be scheduled, Camera, Coins, Fine Arts, Furs, Golfer’s Equipment, Jewelry, Musical Instruments, Personal Electronic Equipment, Silverware, and Stamps.
• Under Fine Arts, breakage coverage for fragile articles may be extended to cover all risk of physical loss.  The value of the fragile articles covered and the additional premium shall be stated separately on the schedule.  The premium is in addition to the premium for the Fine Arts basic coverage. When Special breakage coverage is extended to fine arts, rate that portion with breakage and that portion without breakage separately.
• For articles being transported between the primary location and secondary locations, the highest applicable protection class shall apply when determining the premium.
• Under the Jewelry class, melee is defined as an array of stones sometimes used to complement a larger primary stone in a jewelry setting.  This rate class may be used for items whose primary value is determined by more than three stones.  Jewelry is considered “highly protected” if the covered article(s) is kept at all times, when not being worn, in a secured on-premises safe or vault.  The safe or vault must be permanently attached to the residential structure and not capable of being lifted or moved by an individual person.
• Single Article Limits: $24,999, $49,999, $74,999, $99,999

• The newer the home the better the discount. Up to 31%.

• Eligible if the insured is over 55 years of age or older. Up to 5%.

• Available if the insured is a member of  a networking group.

• Central Station Reporting (Burglar and/or Fire) Alarm*, Automatic Sprinklers, Deadbolt Locks, Local Burglar and/or Fire Alarm and/or Smoke Detectors, Fire extinguishers. Up to 10%.

• Another policy written with company. Up to 15%.

• Available if the insured just moved in within a year. Rolls off after the first term. Up to 3%.