State Farm Fire Independent Policy
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<UPDATED VERSION>
"property damage" means what in terms of the definitions for State farm coverage.
- ANSWER ✔ physical damage to or destruction of tangible property, including
loss of use of thisproperty.
IS theft or conversion of property by insured property damage? - ANSWER ✔ No,
theft or conversion of property by insured is not property damage
"residence premises" means what in terms of the definitions for State farm
coverage. - ANSWER ✔ a. the one, two, three or four-family dwelling, other
structures and grounds; or
b. that part of any other building;
where you reside and which is shown in the Declarations.
What is Coverage A, FP-7955 - ANSWER ✔ DWELLING coverage
Dwelling includes what ? - ANSWER ✔ a. structures attached to the dwelling;
b. materials and supplies located on or adjacent to the
residence premises for use in the construction,
alteration or repair of the dwelling or other structures
on the residence premises;
c. foundation, floor slab and footings supporting the
dwelling; and
d. wall-to-wall carpeting attached to the dwelling.
, Dwelling Extension is - ANSWER ✔ other structures on the residence premises,
separated from the dwelling by clear space.
What types of things are not covered in dwelling extensions ? - ANSWER ✔ a.
not permanently attached to or otherwise forming a
part of the realty;
b. used in whole or in part for business purposes; or
c. rented or held for rental to a person not a tenant of
the dwelling, unless used solely as a private garage.
What does coverage B, FP-7955 cover - ANSWER ✔ PROPERTY
What is property covered ? - ANSWER ✔ cover personal property owned or used
by an insured while it is anywhere in the world. This includes structures not
permanently attached to or otherwise forming a part of the realty.
State Farm cover personal property usually situated at an insured's residence, other
than the residence premises, for up to $1,000 or 10% of the Coverage B limit,
which-ever is greater. - ANSWER ✔ True
Do Special Limits of Liability increase the coverage B limit? - ANSWER ✔ They
do not increase the Coverage B limit.
The special limit for each of the
following categories is the total limit for each loss for all
property in that category:
a. $200 on money, coins and medals, including any of
these that are a part of a collection, and bank notes;
b. $1,000 on property used or intended for use in a
business, including merchandise held as samples or
for sale or for delivery after sale, while on the resi-
dence premises. This coverage is limited to $250 on
such property away from the residence premises.
e. $1,000 on trailers not used with watercraft;
g. $2,500 for loss by theft of firearms;
Property Not Covered in Coverage B - ANSWER ✔ a. articles separately
described and specifically insured
in this or any other insurance;
b. animals, birds or fish;
,c. any engine or motor propelled vehicle or machine,
including the parts, designed for movement on land.
We do cover those not licensed for use on public
highways which are:
(1) used solely to service the insured location; or
(2) designed for assisting the handicapped;
d. devices or instruments for the recording or reproduc-
tion of sound permanently attached to an engine or
motor propelled vehicle. We do not cover tapes,
wires, records or other mediums that may be used
with these devices or instruments while in the vehicle;
e. aircraft and parts;
f. property of roomers, boarders, tenants and other
residents not related to an insured. We do cover
property of roomers, boarders and other residents
related to an insured;
g. property regularly rented or held for rental to others
by an insured. This exclusion does not apply to property of an insured in a sleeping
room rented to
others by an insured;
h. property rented or held for rental to others away from
the residence premises;
i. any citizens band radios, radio telephones, radio
transceivers, radio transmitters, radar or laser detec-
tors, antennas and other similar equipment perma-
nently attached to an engine or motor propelled
vehicle;
j. books of account, abstracts, drawings, card index
systems and other records. This exclusion does not
apply to any recording or storage media for electronic
data processing. We will cover the cost of blank
books, cards or other blank material plus the cost of
labor you incur for transcribing or copying such re-
cords; or
k. recording or storage media for electronic data proc-
essing that cannot be replaced with other of like kind
and quality on the current retail market.
What does coverage C cover ? - ANSWER ✔ LOSS OF USE
, Additional Living Expense is what in coverage C - ANSWER ✔ When a Loss
Insured
causes the residence premises to become uninhabit-
able, we will cover the necessary increase in cost you
incur to maintain your standard of living for up to 24
months. Our payment is limited to incurred costs for the
shortest of: (a) the time required to repair or replace the
premises; (b) the time required for your household to
settle elsewhere; or (c) 24 months. This coverage is not
reduced by the expiration of this policy.
Fair Rental Value. is what in coverage C? - ANSWER ✔ When a Loss Insured
causes that part
of the residence premises rented to others or held for
rental by you to become uninhabitable, we will cover its
fair rental value. Payment shall be for the shortest time
required to repair or replace the part of the premises
rented or held for rental, but not to exceed 12 months.
This period of time is not limited by expiration of this
policy. Fair rental value shall not include any expense that
does not continue while that part of the residence prem-
ises rented or held for rental is uninhabitable.
Prohibited Use is what in coverage C? - ANSWER ✔ When a civil authority
prohibits your use
of the residence premises because of direct damage to
a neighboring premises by a Loss Insured, we will cover
any resulting Additional Living Expense and Fair Rental Value. Coverage is for a
period not exceeding two weeks
while use is prohibited.
What does the additional coverage of Temporary Repairs. - ANSWER ✔ If
damage is caused by a Loss
Insured, we will pay the reasonable and necessary cost
you incur for temporary repairs to covered property to
protect the property from further immediate damage or
loss. This coverage does not increase the limit applying
to the property being repaired.
