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Homeowners Comprehensive This is the best type of policy you can buy. You are insured against risks of direct physical loss to your dwelling and personal property or damage subject to the exclusions & conditions in the policy. In other words, this form tells you what you are not covered for instead of what you are covered for as is the case with the other types of policies. *In this particular form you are well advised to thoroughly review the "exclusions" as, if an event is not specifically excluded, it is therefore "covered". This would be the desired form for any homeowner to acquire as it affords the very best in coverage available. Typical Areas of Coverage Personal Property With Special Limits of Coverage - Coverage limits with the Comprehensive Form tend to be somewhat higher than with the other forms Additional Coverage Optional Coverage Available: For all forms, you may "schedule" items such as jewellery, camera item, etc, for a stated value and pay a separate premium for this. They would then be insured for the full "scheduled" amount with no deductible being applicable in the event of a loss. The above text is intended to be a brief overview only. For a detailed description of this type of package, refer to an actual policy wording or contact us at: customer-service@dodgson-insurance.com << back to property insurance / homeowners |
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