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What are Additional Coverage in Home Insurance Policies?

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Additional Protections

Section I of the homeowner's forms include additional extensions of coverage known as Additional Coverages. Although most of the extra coverages are common to all forms, some are present in some forms but not others.

Removal of Debris

The Debris Removal extra coverage pays for the costs of removing debris from insured property that an insured risk has damaged. Removing ash, dust, or particles from a volcanic eruption that has caused direct damage to the building or insured personal items is also covered. Assume that the insurance limit has been reached due to property damage. In that instance, the debris removal supplemental coverage offers an additional amount of insurance to cover debris removal up to 5% of the limit applicable to the property destroyed.

The Debris Removal add-on also covers removing some fallen trees from the premises, up to a total of $1000. Coverage is provided for the removal of trees that have been "felled" by the perils of windstorm, hail, the weight of ice, snow, or sleet, as well as trees belonging to a neighbor that has been felled by any of the named perils applicable to Coverage C (the contents coverage) if, in falling, the tree damages a covered structure, blocks a driveway denying access to the premises, or blocks a ramp or fixture that is needed. These are not risks for which tree damage is covered, and there is no indemnification for the loss of the tree itself, as stated later. In other words, the expansion only applies to the removal of trees that are not insured (for example, a neighbor's tree) or that sustain uninsured damage.

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what is the best auto and homeowners insurance?
how can i lower my homeowners insurance?
how much does a claim raise your homeowners insurance?
what are the different types of policies?
do i need homeowners insurance if i live in a condo?
do you get homeowners insurance before or after closing?
what is the purpose of home insurance?
how do i choose home insurance?
what does a basic homeowners insurance policy cover?
what is important in home insurance?
how much does home insurance cost a month?
is it mandatory to have house insurance?
do i have to renew my home insurance every year?
is foundation repair covered by insurance?
how is home insurance calculated?
how do insurance claims work for homeowners insurance?
what qualifies as accidental death for insurance?
what are examples of accidental death?
how does homeowners insurance work when buying a house?
what are the benefits of home insurance?
what kind of insurance should a landlord have?
which home insurance is cheapest?
is it necessary to have home insurance?
who needs homeowners insurance and why?
is it hard to get homeowners insurance?
when buying a house when do you get homeowners insurance?
do i pay homeowners insurance at closing?
what's the difference between pmi and homeowners insurance?
is state farm good for homeowners insurance?
how much should my home be insured for?
how do you shop around home insurance?
what is the average cost of homeowners insurance?
what happens if you don't have homeowners insurance?
can you find out if a house is insured?
how much homeowners insurance should you have?
are homeowners required to have insurance?
can i choose my own homeowners insurance?
why does my homeowners insurance go up every year?
property insurance
travel insurance
does homeowners insurance cover theft from garage?
does homeowners insurance cover accidents away from home?
is my personal property covered in a storage unit?
does my renters insurance cover my storage unit?
what repairs does homeowners insurance cover?
does homeowners insurance cover food spoilage?
is theft covered under homeowners insurance?