SGI CANADA Special Coverages policy booklet

Table of Contents
Special Coverage For Seasonal Dwelling –
Outbuildings and Belongings, Rented Dwelling –
Outbuildings and Belongings and
Special Belongings........................................................................ 1
Part I – Your Seasonal or Rental Dwelling,
Outbuildings and Belongings.................................................. 3
What We Cover....................................................................................... 3
Your Premises.......................................................................................... 3
Your Seasonal or Rental Dwelling........................................................... 3
Your Outbuildings..................................................................................... 3
Your Belongings....................................................................................... 3
Seasonal Home Pak.............................................................................. 4
Added Features of Your Part I Coverage.......................................... 4
Arson Conviction Reward........................................................................ 4
Belongings of Guests and Employees..................................................... 4
Collapse................................................................................................... 5
Debris Removal....................................................................................... 5
Declaration of Emergency Endorsement................................................. 5
Emergency Entry Property Damage........................................................ 6
Emergency Seasonal Mobile Home Removal......................................... 6
Fraud Conviction Reward........................................................................ 6
Increased Living Expenses...................................................................... 6
Inflation Protection Factor........................................................................ 6
Lost Rental Income.................................................................................. 7
Outdoor Trees, Shrubs, and Plants......................................................... 7
Property Protection Coverage................................................................. 7
Tear Out................................................................................................... 7
Temperature Change............................................................................... 8
Theft and Theft-Related Damage............................................................ 8
Optional Coverages............................................................................... 8
Guaranteed Replacement Cost – Seasonal Dwelling............................. 8
Voluntary Fire Fighting Coverage............................................................ 8
Sewer Backup Coverage......................................................................... 8
Bear Damage Coverage.......................................................................... 9
Optional Landlord’s Coverage – Rented Dwellings................................. 9
Part II – Perils Insured................................................................. 10
Perils Insured Cover Code – A.......................................................... 10
Perils Insured Cover Code – B...........................................................11
Perils Insured Cover Code – C...........................................................11
Perils Insured Cover Code – AE – Vacant Dwelling Coverage............. 13
Part III – Special Belongings Coverage............................ 14
Conditions for Certain Special Belongings.................................... 14
Boats, their Equipment, Accessories, Outboard Motors,
and Jet Propulsion Personal Watercraft, including Unlicensed
Boat Trailers.................................................................................... 14
Home Computers................................................................................... 14
Collectibles............................................................................................. 15
Automatic Acquisitions........................................................................... 15
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