Apartment / Habitation Coverage Varies Depending on Several Variables. Please See The Chart Blow For Further Details.
Habitational Coverage Summary | ||
Typical Property Coverages | Basic Package Limits | Enhanced Package Limits |
Business Income (Rents)(Apts Only) | $50,000* | Actual loss sustained if building amount is $25M or less. |
Association Fees & Extra Expense (condos Only) | $100,000* | $100,000* |
Accounts Receivable | $5,000* | $5,000* |
Arson Conviction Reward | $5,000 | $5,000 |
Building Ordinance or Law | Cov. A—Covered Cov. B—$25,000* Cov. C—$10,000* | Cov. A—Covered Cov. B—$50,000* Cov. C—$25,000* |
Computer Equipment | $5,000* | $10,000* |
Debris Removal | Covered | Covered |
Equipment Breakdown | Not Covered | Included |
Extended Replacement Cost | Covered | Covered |
Fire Department Service Charge | $1,000 | $1,000 |
Fire Extinguisher Recharge | $2,500 | $2,500 |
Glass | Included | Included |
Master Key | $100/$5,000 | $100/$10,000 |
Newly Acquired Buildings | $250,000 | $250,000 |
Outdoor Signs | $2,500* | $7,500* |
Pollutant Cleanup | $10,000 | $10,000 |
Specified Property (Pools, Fences, Walls & Walkways) | $2,500* | $5,000* |
Valuable Papers and Records | $5,000* | $5,000* |
Crime Coverages | Basic Package Limits | Enhanced Package Limits |
Employee Dishonesty | $5,000* | $10,000* |
Money and Securities – Inside/Outside | $5,000* | $10,000* |
Forgery and Alteration | $2,500 | $10,000 |
Liability Coverages | Limits | |
Premises/Operations | $500,000 per Occurrence | |
Products/Completed Operations | Included | |
Premises/Operation Aggregate: | 2 x Liability and Medical Expense Occurance Limit | |
Products/Completed Aggregate: | 1 x Liability and Medical Expense Occurance Limit | |
General Aggregate: | 2 x Liability and Medical Expense Occurance Limit | |
Personal Injury | Included | |
Advertising Liability | Included | |
Contractual Liability | Included | |
Employees as an Insured | Included | |
Tenants Liability (Apt./Condo) | $75,000 | |
Medical Expenses | $5,000 per person/$25,000 per occurance | |
Parking Area Liability | Included | |
* Higher limits available |
IMD leads the way in providing products to specialized markets which include employees of federal, state, and municipal governments, small businesses as well as an array of support to other marketing organizations, agencies and producers.
One of our Specialists will give you a call to identify your families specific needs.
Once we know all of your options, we can start building a plan that’s right for you!
With tailored insurance plans, we can guarantee to find you what you and your family need!
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