| Coverage Highlights | HO 00 03 (Ed. 10/00) Special Form | HE 07 21 (Ed. 1/04)-Extended Coverage |
| Section I – Dwelling | Replacement Cost Comprehensive Perils | Guaranteed Replacement Cost Comprehensive Perils |
| Section I – Other Structures | 10% Coverage A Comprehensive Perils | 20% Coverage A Comprehensive Perils |
| Section I – Contents and Special Limitations | ACV**, Named Perils, 50% of Coverage A; 70% if RCV*** Endorsement is added | RCV***, Comprehensive Perils 70% of Coverage A |
| Money | $200 | $1,000 |
| Securities | $1,500 | $5,500 |
| Watercraft | $1,500 | $2,500 |
| Bus. Property On and Off Premises | $2,500/$500 | $5,000/$1,500 |
| Theft of Jewelry | $3,000 | $1,500/item, $5,500 Per loss* |
| Theft of Firearms | 10% of Coverage C up to $10,000 | $10,000* |
| Theft of Silverware | 25% of Coverage C up to $10,000 | $10,000* |
| Credit & Debit Card; Counterfeit Money | $500 | $5,000 |
| Loss of Use | 20% of Coverage A; Increased Living Expenses; Fair Rental Value; Comprehensive Perils | 20% of Coverage A; Increased Living Expenses; Fair Rental Value; Primary Mortgage Expense; Comprehensive Perils |
| Section I | ||
| Ordinance or Law | 10% of Coverage A | Up to the Coverage A Limit of Liability |
| Collapse | Included | Included |
| Fungi, Bacteria, Rot | $5,000 | $5,000 |
| Loss Assessment | $1,000 | $5,000 |
| Land Replacement and Restabilization | Excluded | $10,000 |
| Debris Removal | Reasonable Expense | Reasonable Expense |
| Trees/Plants | 5% of Coverage A; $500 per item; limited, named perils | 5% of Coverage A; $1,000 per item; limited, named perils |
| Fire Dept. Charges | $500 | $1,000 |
| Refrigerated Goods | $500 | $500 |
| Sewer Back-up | None | $50,000 |
| Grave Markers | $5,000 | $5,000 |
| Lock Replacement | None | $500 |
| Fraud Information Reward/ Theft Information Reward | None | $2,500/$5,000 |
| Section II | ||
| Personal Liability | BI and PD $100,000 Minimum | BI and PD plus Personal Injury $100,000 Minimum |
| Medical Payments | $1,000 Minimum | $1,000 Minimum |
| Damage To Property Of Others | $1,000 | $1,500 |
| Loss Assessment | $1,000 | $5,000 |
$ Amounts are all preceded by “up to”; *includes misplacing and losing; **ACV means actual cash value (replacement cost minus depreciation); ***RCV means replacement cost; comprehensive means that causes of loss are subject to the policy exclusions and any internal policy limits.