COVERAGE DEFAULTS AND CONSIDERATIONS
Ord Law 10%
Replacement Cost Contents
Replacement Cost Dwelling
Look to see if currently have Water Backup and if so, what limit
Increased Replacement Cost Dwelling Percentage 150%
Special Personal Property
Look to see if have Earthquake, if so, what part of house is masonry veneer (i.e. brick) if any part is brick or masonry then DO NOT flip the switch for “Exclude Masonry Veneer”
Check to see if higher limits for Jewelrry, watches, furs or guns
Homeowners Plus if AOI
If over 40 years in VA or all in NC with AOI do Increased Cost Endorsement
Leave theft and wind deducible on “Select” for EZLynx, only choose “All Perils Deductible”
Look to see if a mortgage on the home
Check for any other special endorsements.