HOMEOWNER'S INSURANCE: DWELLING & ATTACHED STRUCTURES
 
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Accident Information Form
Print this form & keep it in your glove compartment.
 

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  Driving SchoolsAuto Body ShopsPhoto Inspection LocationsBrokerages / AgenciesBrokerages / Agencies Dwelling and Attached Structure Coverage

  Driving SchoolsAuto Body ShopsPhoto Inspection LocationsBrokerages / AgenciesBrokerages / Agencies Homeowner's Insurance: The Basics

  Driving SchoolsAuto Body ShopsPhoto Inspection LocationsBrokerages / AgenciesBrokerages / Agencies Unattached Structures Coverage 

  Driving SchoolsAuto Body ShopsPhoto Inspection LocationsBrokerages / AgenciesBrokerages / Agencies Personal Property Coverage

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Dwelling and Attached Structure Coverage
 (Coverage A - Dwelling and Attached Structures Coverage)
   (Applied towards the dwelling - the house - living
   structures itself.)

 
Protection to the dwelling (the house - living structure itself) is found under Coverage A of your Homeowners Ins Policy.

The dwelling (the house - living structure itself) will either be insured for its replacement cost value or for actual cash value.

   Driving SchoolsAuto Body ShopsPhoto Inspection LocationsBrokerages / AgenciesBrokerages / Agencies Replacement Cost Value:
  
    What it would cost to replace or rebuild your home at 
    today’s prices for materials & labor without depreciation.
 
    Driving SchoolsAuto Body ShopsPhoto Inspection LocationsBrokerages / AgenciesBrokerages / Agencies Actual Cash Value:
  
    What it would cost to replace or rebuild your home at
    today’s prices for materials and labor with the reduction
    in value caused by physical deterioration (depreciation).

POLICY Coverage A Coverage B Coverage C Coverage D
HO 1 Min.
$15,000.00		 10% of
Coverage A		 50% of
Coverage A		 10% of
Coverage A
HO 2 Min.
$15,000.00		 10% of
Coverage A		 50% of
Coverage A		 20% of
Coverage A
HO 3 Min.
$20,000.00		 10% of
Coverage A		 50% of
Coverage A		 20% of
Coverage A
HO 8 $15,000.00 10% of
Coverage A		 50% of
Coverage A		 10% of
Coverage A
HO 4 N/A N/A Min.
$6,000.00		 20% of
Coverage C
HO 6 $1,000.00 Included In
Coverage A		 Min.
$6,000.00		 40% of
Coverage C

In order to have coverage to the dwelling (the house - living structure itself) for its replacement cost value you need to insure your house for at least 80 percent of its replacement value.
 

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Disclaimer: Any information provided is general in nature and provided to educated and inform the consumer. Various factors can affect the
total cost of insurance premiums and all consumer circumstances cannot be covered. Examples used are strictly to illustrated a purpose.