Coverage A – Dwelling And Coverage B – Other Structures Clause Samples
The "Coverage A – Dwelling And Coverage B – Other Structures" clause defines the scope of insurance protection for the main residential building (the dwelling) and for additional structures on the property that are not attached to the main house, such as detached garages, sheds, or fences. Coverage A typically applies to the physical structure of the home itself, while Coverage B extends to these separate structures, each with its own coverage limits and conditions. This clause ensures that both the primary residence and other significant property features are protected against covered perils, providing comprehensive property insurance and addressing the risk of loss or damage to both the home and its related structures.
Coverage A – Dwelling And Coverage B – Other Structures. 1. We insure against risk of direct physical loss to property described in Coverages A and B.
2. We do not insure, however, for loss:
a. Excluded under Section I – Exclusions;
b. Involving collapse, except as provided in
c. Caused by:
(1) Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household ap- pliance, or by discharge, leakage or overflow from within the system or ap- pliance caused by freezing. This provi- sion does not apply if you have used reasonable care to:
(a) Maintain heat in the building; or
(b) Shut off the water supply and drain all systems and appliances of water.
(2) Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a:
(a) Fence, pavement, patio or swimming pool;
(b) Footing, foundation, bulkhead, wall, or any other structure or device that supports all or part of a building, or other structure;
(c) Retaining wall or bulkhead that does not support all or part of a building or other structure; or
(d) Pier, wharf or dock;
(3) Theft in or to a dwelling under construc- tion, or of materials and supplies for use in the construction until the dwelling is finished and occupied;
(4) Vandalism and malicious mischief, and any ensuing loss caused by any inten- tional and wrongful act committed in the course of the vandalism or malicious mischief, if the dwelling has been vacant for more than 60 consecutive days im- mediately before the loss. A dwelling being constructed is not considered va- cant;
(5) Mold, fungus or wet rot. However, we do insure for loss caused by mold, fungus or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental dis- charge or overflow of water or steam from within:
(a) A plumbing, heating, air conditioning or automatic fire protective sprinkler system, or a household appliance, on the "residence premises"; or
(b) A storm drain, or water, steam or sewer pipes, off the "residence premises".
(6) Any of the following:
(a) Wear and tear, marring, deteriora- tion;
(b) Mechanical breakdown, latent de- fect, inherent vice, or any quality in property that causes it to damage or destroy itself;
(c) Smog, rust or other corrosion, or dry rot;
(d) Smoke from agricultural smudging or industrial operations;
(e) Discharge, dispersal, seepage, mi- gration, release or escape of pollut- ants unless the discharge, dispersal, seepage, migration, release or...
Coverage A – Dwelling And Coverage B – Other Structures. 1. We insure against direct physical loss to property described in Coverages A and B.
2. We do not insure, however, for loss:
a. Excluded under Section I – Exclusions;
b. Involving collapse, including any of the following conditions of property or any part of the property:
(1) An abrupt falling down or caving in;
(2) Loss of structural integrity, including separation of parts of the property or property in danger of falling down or caving in; or
(3) Any cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion as such condition relates to
(1) or (2) above; except as provided in E.8. Collapse under Section I – Property Coverages; or
c. Caused by:
(1) Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance, or by discharge, leakage or overflow from within the system or appliance caused by freezing. This provision does not apply if you have used reasonable care to:
(a) Maintain heat in the building; or
(b) Shut off the water supply and drain all systems and appliances of water.
Coverage A – Dwelling And Coverage B – Other Structures. 1. We insure against risk of direct physical loss to property described in Coverages A and B.
2. We do not insure, however, for loss:
a. Excluded under Section I – Exclusions;
b. Involving collapse, except as provided in
Coverage A – Dwelling And Coverage B – Other Structures. 1. We insure against direct physical loss to property described in Coverages A and B.
2. We do not insure, however, for loss:
a. Excluded under General Exclusions;
b. Involving collapse, including any of the following conditions of property or any part of the property:
(1) An abrupt falling down or caving in;
(2) Loss of structural integrity, including separation of parts of the property or property in danger of falling down or caving in; or
(3) Any cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion as such condition relates to (1) or (2) above; except as provided in Other Coverage 10. Collapse; or
Coverage A – Dwelling And Coverage B – Other Structures. Paragraph 1. Is replaced by the following: We insure against risk of sudden and accidental direct physical loss to the property described in Coverages A and B. Under Paragraph 2., items c.(6) and c.(7) are replaced by the following:
Coverage A – Dwelling And Coverage B – Other Structures. 1. We insure against risk of direct physical loss to property described in Coverages A and B.
2. We do not insure, however, for loss:
a. Excluded under Section I – Exclusions;
b. Involving collapse, except as provided in E.8. Collapse under Section I – Property Coverages; or
c. Caused by:
(1) Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance, or by discharge, leakage or overflow from within the system or
(a) Maintain heat in the building; or
(b) Shut off the water supply and drain all