General Dwelling Protector policy - SGI CANADA

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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
PART 2 — PERSONAL LIABILITY ....................................... 17 DEFINITIONS APPLICABLE TO PART 2 ....................................... 17 PERSONAL LIABILITY ................................................................... 18 AMOUNT OF PROTECTION ........................................................... 18 BODILY INJURY AND PROPERTY DAMAGE ............................... 18 TENANTS AND RENTERS.............................................................. 19 ADDED FEATURES OF YOUR PART 2 COVERAGE.................... 19 Voluntary Medical Payments...................................................... 19 Voluntary Property Damage ....................................................... 19 JET PROPULSION PERSONAL WATERCRAFT........................... 20 PRAIRIE AND FOREST FIRE FIGHTING EXPENSES COVERAGE .......................................................... 21 CLAIMS WE WILL NOT COVER - PART 2..................................... 21 IF YOU HAVE A CLAIM................................................................... 23 HOW WE SETTLE A CLAIM ........................................................... 23 GENERAL CONDITIONS FOR PART 2 .......................................... 24 STATUTORY CONDITIONS ............................................................ 25
Page 1: Policy Booklet Your Easy Read Gener
Page 5 and 6: All amounts of protection are shown
Page 7 and 8: into storage and this is shown on y
Page 9 and 10: costs must be due to a cause of los
Page 11 and 12: household appliance not in a heated
Page 13 and 14: o) to contact lenses unless the los
Page 15 and 16: elongings coverage, whichever is th
Page 17 and 18: E. Property And Causes Of Loss We D
Page 19 and 20: 3) Any payment for a loss will not
Page 21 and 22: usiness or without your permission;
Page 23 and 24: damage, but a person we cover who i
Page 25 and 26: claims caused by their use when you
Page 27 and 28: How We Settle A Claim We will not p
Page 29 and 30: (4) The refund may be made by money
Page 33 and 34: PRIVACY: Our Commitment Thank you f

General Dwelling Protector policy - SGI CANADA

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