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HE7-21 Enhanced Homeowners Policy vs. the Standard HO3 Homeowners Policy
 
Standard
Coverage Feature HE7-21 HO-3
Dwelling
  Additional Replacement Cost Up to 50% of Dwelling Amount By Endorsement
Other Structures
  As a % of Dwelling 20% 10%
Personal Property
 As a % of Dwelling 70% 50%
Perils Insured Against Open Peril Named Perils
Full Replacement Cost Without Depreciation Included By Endorsement
Loss Of Use
Mortgage Expenses Included Not Included
Special Limits of Liability
Money $1,000 $200
Securities $5,500 $1,500
Watercraft $2,500 $1,500
Trailers Not Used w/ Watercraft $3,500 $1,500
Theft of Jewelry and Furs $5,500 $1,500
Theft of Firearms $10,000 $10,000
Theft of Silverware $10,000 $2,500
Business Property at Residence $5,000 $2,500
Away from Residence $1,500 $500
Additional Coverages
Trees, Shrubs, Plants 5% of Dwelling up to $2,000. No more than $1,000 per Tree, Plant or Shrub 5% of Dwelling up to $1,000. No more than $1,000 per Tree, Plant or Shrub
Fire Dept Service Charge $1,000 $500
Credit Card Coverage $5,000 $500
Loss Assessment $5,000 $500
Lock Replacement if Keys Stolen $500 Not Included
Debris Removal Trees $2,000/occurrence - $1,000/Tree limit. Debris - all reasonalble Trees $1,000/occurrence, Debris - all reasonable
Reward Coverage $2,500 Not Included
Witness Expense $250/day lost earnings, $50/day expense Not included
Land Coverage - Replace, Stabilize or Rebuild $10,000 Not Included
Other Coverage Enhancements
Water Back-Up of Sewers or Drains $20,000 By Endorsement
Liability
Damage to Property of Others $1,500 $1,000
Personal Injury Included By Endorsement