SGI CANADA Policy Booklet - Your Easy Read Home/Mobile Home

Table of Contents
Page
Introduction............................................................................................. 1
Who We Cover ......................................................................................... 1
PART 1 — YOUR DWELLING OR MOBILE HOME
DWELLING AND BELONGINGS
WHAT WE COVER
Your Premises .................................................................................. 3
Your Dwelling.................................................................................... 3
Your Outbuildings ............................................................................. 3
Your Belongings................................................................................ 3
CAUSES OF LOSS WE COVER
Perils Insured — Cover Code A — Standard Perils.......................... 4
Perils Insured — Cover Code B — Named Perils............................. 5
Perils Insured — Cover Code C — Comprehensive......................... 5
ADDED FEATURES OF YOUR PART 1 COVERAGE
Arson Conviction Reward ................................................................. 7
Automatic Acquisitions...................................................................... 7
Automatic Residence Coverage ....................................................... 7
Belongings of Guests and Employees .............................................. 7
Credit, Debit, or Electronic Funds Transfer Cards,
Cheques, and Counterfeit Money................................................. 8
Collapse ............................................................................................ 8
Debris Removal ................................................................................ 8
Emergency Entry Property Damage ..................................................8
Emergency Mobile Home Removal .................................................. 9
Fraud Conviction Reward ................................................................. 9
Increased Living Expenses
and Lost Rental Income ............................................................... 9
Inflation Protection Factor ................................................................. 9
Lock Replacement Coverage.......................................................... 10
Mass Evacuation............................................................................. 10
Outdoor Trees, Shrubs, and Plants ................................................ 10
Property Protection Coverage......................................................... 10
Tear Out.......................................................................................... 10
Temperature Change (Food/Freezer Coverage) ............................ 10
OPTIONAL COVERAGES
Homeowner’s Guarantee ................................................................ 11
Added Features of Homeowner’s Guarantee:
(1) Mortgage Rate Protector...................................................... 11
(2) Building Code/Bylaw Extra Expense.................................... 11
(3) Single Amount of Protection ................................................ 11
Increased Limits Coverage ..............................................................12
Identity Theft Coverage................................................................... 13
Sewer Backup Coverage ................................................................ 13
Voluntary Fire Fighting Coverage ....................................................14
SETTLING A CLAIM
Deductible ....................................................................................... 14
Franchise Clause ............................................................................ 14
Dent Exclusion Clause for Mobile Homes....................................... 14
Replacement Cost and Actual Cash Value..................................... 14
Dwelling and Outbuildings .............................................................. 15
Belongings ...................................................................................... 15
Pairs and Sets................................................................................. 16
Obsolescence — Dwelling, Outbuildings, and Belongings ............. 16
Roof and Roof Coverings................................................................ 16
PROPERTY WITH SPECIFIC AMOUNTS OF
PROTECTION ............................................................................... 16
PROPERTY AND CAUSES OF LOSS WE DO NOT COVER .......... 17
GENERAL CONDITIONS FOR PART 1............................................ 19