CAIB 1- CHAPTER 2

COMMON CHARACTERISTICS TO HOMEOWNERS FORM

DEFINE PREMISES

DEFINE DWELLING

DEFINE INSURED

DEFINE SPOUSE

SECTION 1- PROPERTY COVERAGES

SECTION 2- LIABILITY COVERAGE

DEFINE DWELLING BUILDING

BUILDING FIXTURES AND FITTINGS TEMPORARILY REMOVED

OUTDOOR TREES, SHRUBS AND PLANTS

WHAT ARE THE LIMITS FOR OUTDOOR TREES, SHRUBS AND PLANTS

DEFINE DETACHED PRIVATE STRUCTURE

THREE DIFFERENT INSURING AGREEMENTS FOR PERSONAL PROPERTY

PROPERTY EXCLUDED BY HOMEOWNERS FORM

SPECIAL LIMITS APPLIED TO SPECIFIC PROPERTY ITEMS, REGARDLESS OF CAUSE OF LOSS

SPECIFIC LIMITS APPLIED TO SPECIFIC PROPERTY ITEMS WHICH HAVE BEEN STOLEN

ADDITIONAL LIVING EXPENSE

FAIR RENTAL VALUE

ACCESS PROHIBITED BY ORDER OF CIVIL AUTHORITY

EXTENSIONS OF COVERAGE SAME FOR ALL FORMS