General Dwelling Protector policy - SGI CANADA

Table of Contents
Page
YOUR INSURANCE POLICY ..................................................... 1
PART 1 — YOUR DWELLING, MOBILE HOME
DWELLING, OUTBUILDINGS
OR BELONGINGS ................................................... 3
A. WHAT WE COVER
1. Your Premises.............................................................................. 3
2. Your Dwelling ............................................................................... 3
3. Your Outbuildings......................................................................... 3
4. Your Belongings ........................................................................... 3
ADDED FEATURES
Arson Conviction Reward ....................................................................4
Automatic Acquisitions ....................................................................... 4
Belongings of Guests and Employees................................................ 4
Debris Removal .................................................................................. 4
Emergency Entry Property Damage................................................... 4
Emergency Mobile Home Removal .................................................... 5
Fraud Conviction Reward ................................................................... 5
Increased Living Expenses................................................................. 5
Inflation Protection Factor................................................................... 5
Lost Rental Income............................................................................. 5
Outdoor Trees, Shrubs, and Plants .................................................... 6
Property Protection Coverage ............................................................ 6
Renter’s Property Improvement Coverage ......................................... 6
Tear Out ............................................................................................. 6
Theft and Theft Related Damage ....................................................... 6
OPTIONAL COVERAGES
Voluntary Fire Fighting Coverage....................................................... 6
Renter’s Glass Coverage ................................................................... 7
Optional Landlord’s Coverage ............................................................ 7
Sewer Backup Coverage.................................................................... 7
B. COVER CODES AND LOSSES WE COVER
1. Code A — Standard Perils ........................................................... 7
2. Code B — Named Perils .............................................................. 8
3. Code C — Comprehensive Coverage.......................................... 8
4. Code AE — Vacant Home Coverage ......................................... 10
C. SETTLING A CLAIM
Deductible......................................................................................... 10
Dent Exclusion Clause for Mobile Homes ........................................ 11
Replacement Cost and Actual Cash Value ...................................... 11
Your Dwelling and Outbuildings ....................................................... 11
Your Belongings ............................................................................... 11
How You May Share in a Loss ......................................................... 12
Pairs and Sets .................................................................................. 12
Obsolescence — Dwelling, Outbuildings and Belongings................ 12
D. PROPERTY WITH SPECIFIC AMOUNTS OF PROTECTION ........ 13
E. PROPERTY AND CAUSES OF LOSS WE DO NOT COVER......... 14
F. GENERAL CONDITIONS FOR PART 1 .......................................... 15
Deferred Loss Settlement Clause..................................................... 16
Wreckage Value Clause ................................................................... 17