Carrier: American Reliable Insurance Company
This form offers comprehensive coverage, which means it covers most direct, sudden and accidental physical losses that are not specifically excluded.
Eligibility Considerations:
- 200 amp circuit breakers are required.
- Available to Multiple Occupancies: Policies may be written for Primary, Seasonal/Secondary, or Rental.
- Ownership by an LLC, trust or corporation is acceptable for all occupancies except Primary.
Additional Coverages May Include:
- Other Structures: Up to 10% of Coverage A is included, higher limits available.
- Fair Rental Value: Helps with loss of rent when tenants can’t live in the dwelling due to damage or destruction from a covered loss.
- Dwelling Replacement Cost: Covered losses are settled at the cost to repair or replace, without deduction for depreciation.
- Debris Removal: Pays for the cost or removing debris caused by a covered peril.
- World-wide Coverage: Up to 10% of the Coverage C limit for a loss by a covered peril is available to personal property anywhere in the world.
- Fire Department Service Charge: Pays for fire department charges if a fire department must be called due to a fire in or endangering the home.
Optional Coverages Offered
- Personal Property
- Personal Liability
- Premises Liability
- Medical Payments to Others
- Additional Living Expense
Available in the Following States
- North Dakota
- South Dakota
