What Is Habitational Insurance?
Apartment / Habitational Coverage Varies Depending on Several Variables. Please See The Chart Blow For Further Details.
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Habitational Coverage Summary | ||
| Typical Property Coverages | Basic Package Limits | Enhanced Package Limits |
| Business Income (Rents)(Apts Only) | $50,000* | Actual loss sustained if building amount is $25M or less. |
| Association Fees & Extra Expense (condos Only) | $100,000* | $100,000* |
| Accounts Receivable | $5,000* | $5,000* |
| Arson Conviction Reward | $5,000 | $5,000 |
| Building Ordinance or Law | Cov. A—Covered Cov. B—$25,000* Cov. C—$10,000* | Cov. A—Covered Cov. B—$50,000* Cov. C—$25,000* |
| Computer Equipment | $5,000* | $10,000* |
| Debris Removal | Covered | Covered |
| Equipment Breakdown | Not Covered | Included |
| Extended Replacement Cost | Covered | Covered |
| Fire Department Service Charge | $1,000 | $1,000 |
| Fire Extinguisher Recharge | $2,500 | $2,500 |
| Glass | Included | Included |
| Master Key | $100/$5,000 | $100/$10,000 |
| Newly Acquired Buildings | $250,000 | $250,000 |
| Outdoor Signs | $2,500* | $7,500* |
| Pollutant Cleanup | $10,000 | $10,000 |
| Specified Property (Pools, Fences, Walls & Walkways) | $2,500* | $5,000* |
| Valuable Papers and Records | $5,000* | $5,000* |
| Crime Coverages | Basic Package Limits | Enhanced Package Limits |
| Employee Dishonesty | $5,000* | $10,000* |
| Money and Securities – Inside/Outside | $5,000* | $10,000* |
| Forgery and Alteration | $2,500 | $10,000 |
| Liability Coverages | Limits | |
| Premises/Operations | $500,000 per Occurrence | |
| Products/Completed Operations | Included | |
| Premises/Operation Aggregate: | 2 x Liability and Medical Expense Occurance Limit | |
| Products/Completed Aggregate: | 1 x Liability and Medical Expense Occurance Limit | |
| General Aggregate: | 2 x Liability and Medical Expense Occurance Limit | |
| Personal Injury | Included | |
| Advertising Liability | Included | |
| Contractual Liability | Included | |
| Employees as an Insured | Included | |
| Tenants Liability (Apt./Condo) | $75,000 | |
| Medical Expenses | $5,000 per person/$25,000 per occurance | |
| Parking Area Liability | Included | |
* Higher limits available | ||
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