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Condo

Offerings included at NB Quote with additional options available Value Value Plus Enhanced Enhanced Plus GrandProtect

Dwelling (Coverage A)

Product offerings and/or coverages may vary by state.

Percentage of Contents Coverage Selectable dollar amount, must be at least 10% of Cov C Limit Selectable dollar amount, must be at least 20% of Cov C Limit 20% Cov C Limit Selectable dollar amount, must be at least 30% of Cov C Limit Blanket Property Limit
Loss Settlement Method Replacement Cost Replacement Cost Replacement Cost Replacement Cost Replacement Cost
           

Other Structures (Coverage B)

Product offerings and/or coverages may vary by state.

Percentage of Contents Coverage 5% Cov C Limit 5% Cov C Limit 5% of Cov C Limit 5% Cov C Limit Blanket Property Limit
Loss Settlement Method Replacement Cost Replacement Cost Replacement Cost Replacement Cost Replacement Cost
           

Personal Property (Coverage C)

Product offerings and/or coverages may vary by state.

Loss Settlement Method

Actual Cash Value

(replacement cost less depreciation)

Replacement Cost on Contents Replacement Cost on Contents Replacement Cost on Contents Replacement Cost on Contents
Blanket Property Limit Optional Optional Optional Optional Included
           

Loss of Use (Coverage D)

Product offerings and/or coverages may vary by state.

Percentage of Contents Coverage 30% Cov C Limit 50% Cov C Limit 50% of Cov C Limit 60% Cov C Limit Actual Loss Sustained (ALS)
Coverage D - Prohibited Use 14 Days 14 Days 14 Days 45 Days 60 Days
           

Perils & Deductibles

Product offerings and/or coverages may vary by state.

Perils Insured Against

Special Perils

Covs A & B - all risk w/ exceptions

Cov C - Broad Named Perils

Special Perils

Covs A & B - all risk w/ exceptions

Cov C - Broad Named Perils

Special Perils (HO3)

Covs A & B - all risk w/ exceptions

Cov C - Broad Named Perils

Comprehensive Perils
Covs A, B & C - all risk w/ exceptions
Comprehensive Perils
Covs A, B & C - all risk w/ exceptions
Loss Settlement Method Actual Cash Value Replacement Cost Replacement Cost Replacement Cost Replacement Cost
Personal Liability (Coverage E) $100,000 $100,000 $200,000 $300,000 $500,000
Medical Payment to Others (Coverage G) $1,000 $1,000

$2,500

$5,000 $10,000
           

Additional Coverages

Product offerings and/or coverages may vary by state.

Identity Theft and Credit Protection

Resolution Identity Service

Expense Reimbursement up to $25,000

Credit Card Protection up to $10,000 included

Resolution Identity Service

Expense Reimbursement up to $25,000

Credit Card Protection up to $10,000 included

Expense Reimbursement up to $25,000

Credit Card Protection up to $10,000 included

Resolution Identity Service

Expense Reimbursement up to $25,000

Credit Card Protection up to $10,000 included

Resolution Identity Service

Expense Reimbursement up to $25,000

Credit Card Protection up to $10,000 included

Back Up of Sewers, Drains, and Sump

Optional

Optional

Optional

$10,000

$25,000
Building Code Upgrade and Demolition Costs Optional Optional Optional 50% of Cov A Included within Blanket Property Limit
Personal Injury Optional Optional Included Included Included
Home Systems Protection  Equipment Breakdown only     (No Service Line) Optional Optional Optional Included Included
           

Special Limitations and Additional Features

Product offerings and/or coverages may vary by state.

Coverage C - Self Storage

10% of Cov C for any Covered Peril Loss

20% of Cov C capped only upon Theft Loss

Coverage C Limit Coverage C Limit Blanket Policy Limit
Fire Department Charges - Mutual Aid $500 $1,500 $1,500 $2,000 $2,000
Fungus and Mold Remediation $10,000 $10,000 $10,000 $10,000 $10,000
Loss Assessment $1,000 $2,000 $5,000 $10,000 $10,000
Data and Records Not Available $1500 (Personal only - no Business) $1500 (Personal only - no Business) $2,500 $2,500
Emergency Living Expense -
Power Interruption Off Premises
Not Available $500 $750 $1,000 $1,000
Fire Extinguisher
Recharge
Not Available $100 $100 $100 $100
Lock Replacement Not Available $500 - Key stolen w/other property $500 - Key stolen w/other property $500 - Key stolen w/other property $500 - Key stolen
Refrigerated Contents Not Available $500 $750 $1,000 $1,000
Mortgage Closing Costs
Expense
Not Available Not Available Not Available Not Available $5,000
Newly Acquired Watercraft
and Equipment
Not Available Not Available Not Available Not Available $25,000 up to 30 days
Damage to Property of Others $1,000 $1,500 $2,500 $2,500 $2,500
Claims Expenses $250/day
for lost wages or salary
$250/day
for lost wages or salary
$500/day for lost wages or salary $500/day
for lost wages or salary
$500/day
for lost wages or salary
Rented or Borrowed Watercraft Not Available Not Available Not Available Not Available $25,000
Jewelry (Theft) $1,500 $1,500 $1500 per item / $5000 aggragate $5,000 $5,000
Furs (Theft) $1,500 $1,500 $1500 per item / $2500 aggragate $5,000 $5,000
Silverware and Gold Ware (Theft) $2,500 $2,500 $10,000 $10,000 $10,000
Firearms (Theft) $2,500 $2,500 $5,000 $5,000 $5,000
Tools (Theft) $5,000 $7,500 $10,000 Coverage C Limit Blanket Property Limit
Memorabilia $5,000 $10,000 $10,0000 $10,000 $10,000
Coin, Currency, and Stamp Collections  $1,500 $1,500 $3,000 $5,000 $5,000
Money $200 $200 $500 $1,000 $1,000
Securities  $1,500 $2,000 $2,500 $5,000 $5,000
Manuscripts $1,500 $2,000 $2,500 $5,000 $5,000
Motorized Toys for Children $1,500 $1,500 $1,500 $1,500 $1,500
Motorized Tractors $5,000 $5,000 $10,000 $10,000 $15,000
Motor Vehicle Parts $500 $1,000 $2,000 $2,000 $2,000
Watercraft $1,500 $2,000 $3,000 $5,000 $5,000
Trailers  $1,500 $2,000 $3,000 $5,000 $5,000
Business Property  $2,500 $2,500 $2,500 $7,500 $7,500
Business Use Computers $5,000 $5,000 $5,000 $5,000 $5,000