General Dwelling Protector policy - SGI Canada

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— golf carts kept year round at a golf course.— furs, boats, their equipment, accessories, outboard motors, and jetpropulsion personal watercraft, including unlicensed boat trailersduring seasonal storage away from your premises.— belongings while you move them to a new principal residence inCanada. This coverage lasts for 30 days from the day you start themove and covers:— at your premises shown on your Cover Page.— in transit.— at your new premises.There are some limits on the kinds of belongings and property we willcover and the amounts blanket coverage will pay. These are shown in“Property with Specific Amounts of Protection” and “Property andCauses of Loss We Do Not Cover.”Any belongings we cover as special belongings or which arespecifically insured elsewhere are not covered here.Added Features of Your Part 1 CoverageWe give you some “added features” along with your regular coverage.There is no extra cost. These could be special types of coverageavailable to you. They could be special uses of your regular coveragetoo. We have noted those features that add to your total amount ofprotection, otherwise they are part of that amount.Arson Conviction RewardWe will pay $1,000 for information that leads to a conviction for arson inconnection with a fire loss to property insured by this policy. The amountwe pay adds to your total amount of protection. However, the $1,000 limitwill not be increased regardless of the number of persons providinginformation. This coverage is not subject to a deductible.Automatic AcquisitionsAny insurable belongings you acquire after the effective date of this policyare automatically covered subject to the terms of this policy. This includesitems you purchase while away on vacation.Belongings of Guests and EmployeesYou may use up to 10% of your coverage for belongings of yourhousehold employees or non-paying guests. These belongings must beat your home or in the care of household employees carrying out dutiesof their employment away from your home. The loss must be due to acause for which your own belongings are covered. Your guests oremployees must not have any coverage on their belongings. All claimswill be settled directly with you.Debris RemovalYou may have us pay to remove debris from your premises, if yourinsured property has been damaged or destroyed by an insured peril.We will also pay for removal of property of others, excluding trees, shrubsand plants, blown on to your premises by windstorm, if your insuredproperty is damaged or destroyed by an insured peril.Debris removal expenses shall not be considered for the purpose ofapplying any co-insurance.Emergency Entry Property DamageCoverage is automatically provided to repair damage to your dwelling(permanent or temporary residence) if damaged as a result of forcibleentry by police, ambulance, fire department, or other persons to save andpreserve life. The policy deductible does not apply to this coverage.3
Fraud Conviction RewardWe will pay $1,000 for information that leads to a conviction of fraud inconnection with an insured loss to property covered by this policy. Theamount we pay adds to your total amount of protection. The $1,000 limitwill not be increased regardless of the number of persons providinginformation.No deductible applies to this coverage.Increased Living ExpensesWe will pay for an increase in your living expenses. You may use up to10% of your dwelling or belongings insurance to pay for these costs. Thecosts must be due to a cause of loss for which your dwelling orbelongings are covered.If the loss makes your dwelling unlivable, we will pay for your movingcosts. We will pay for a reasonable increase in your cost of living requiredto maintain your normal standard of living. We will not pay expenses forthings that are not needed to support you.We will not pay for any increased costs, due to unnecessary delays onyour part, to fix or replace your dwelling or outbuildings, relocate, or settleyour household.We will give you a reasonable length of time to fix or replace yourdwelling, then we will stop paying.If we cover your dwelling you may use either your dwelling or belongingscoverage to pay for these expenses. You may not use both.We will also pay when a public authority denies you access to yourpremises. We will pay these costs for up to two weeks. The denial can bedue to actual or threatened damage to your dwelling, but it must be dueto a Peril for which your dwelling is insured. If you have comprehensivecoverage, it must be due to a Listed Peril.Inflation Protection FactorTo help protect you in the event of a loss, we will raise the total amount ofprotection on your dwelling, outbuildings, and belongings by a portion ofthe Inflation Protection Factor (IPF) percentage (as shown on the CoverPage) as follows:— 2 months after inception date - 25% of the IPF— 5 months after inception date - 50% of the IPF— 8 months after inception date - 75% of the IPF— 11 months after inception date - 100% of the IPF“Inception” means the effective date of the policy or, if the policy hasbeen in force for more than one year, its last anniversary date. If yourequest a change in the amount of insurance during the policy term, theeffective date of that change will be considered the “inception”, until thenext policy anniversary date. Vacant buildings do not have this addedfeature.Lost Rental IncomeWe will pay for a loss of rental income. We will pay for your actual loss ofrental income for those parts of your dwelling or outbuildings that wererented out when the loss took place. We will pay until you have had areasonable length of time to fix your dwelling or outbuildings. You may useup to 10% of your dwelling amount of protection to pay for these costs.The costs must be due to a Peril for which your dwelling is insured. If youhave Cover Code C, it must be due to a Listed Peril. We will deduct anysavings in expenses, such as electric and water bills, which stop becauseof the loss.We will also pay when a public authority denies you access to yourpremises. We will pay these costs for up to two weeks. The denial can be4
Page 4 and 5: Your Insurance PolicyYour General D
Page 8 and 9: due to actual or threatened damage
Page 10 and 11: We do not cover loss or damage to y
Page 12 and 13: Listed Peril below, theft, or attem
Page 14 and 15: We will only pay up to the total am
Page 16 and 17: (2) For losses due to Comprehensive
Page 18 and 19: z) loss or damage to any outdoor ho
Page 20 and 21: “Residence Employee” means a pe
Page 22 and 23: Added Features of Your Part 2 —Pe
Page 24 and 25: icycles and motorized vehicles used
Page 26 and 27: General Conditions for Part 21) The
Page 28 and 29: (4) The refund may be made by money
Page 30 and 31: PRIVACY: Our CommitmentThank you fo

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