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Download DocumentClaims-Made CGL
{Ans: Triggered when claim is filed.
Covers any claim filed during the policy period, no matter when the damage or injury occurred.
Insurers can price premiums to reflect current risk of lawsuit awards.
Two types of forms:
Claims-Made & Reported: Insured must report claim or possibly of a claim within the policy period.
Pure Claims- Made: Insured must inform insurer of a
Coverage E HO
{Ans: coverage E is personal liability}
FaRm cOVERage
{Ans: Coverage A- Dwelling: for main dwelling, attached structures, and necessary materials.
Up to 5,000 for damages and grave markers.
Not covered: Trees, shrubs, plants, or lawns (Except with endorsements )
Coverage B- Other private detached structures.
Covers private structures not attached to main dwelling.
Guest houses
Patios
Sheds
Outdoor antennas (1,000 per occurrence )
Coverage C- Household personal property
Covers theft or damaged personal property.
Includes personal property of family and guests staying on the premises.
Has a limit of 50% of coverage A.
Coverage D-
Loss of use
Pays additional living expenses resulting from a covered peril.
including fair rental value if insured had tenants.
Applies when civil emergency, such as fire or flooding, makes home uninhabitable.}
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