Homeowners Coverages and Deductibles (CEA homeowners policy)

Exactly what this source supports

These are the only claims this record is used to carry anywhere in the library.

• CEA offers a Standard Homeowners policy under which all coverages fall under one deductible, and a Homeowners Choice policy that provides separate deductibles for dwelling and for personal property and allows the purchase of dwelling coverage only.

  claim cea-homeowners-coverages-deductibles#c1

• The deductible options are 5, 10, 15, 20, or 25 percent of the Coverage A and B limit.

  claim cea-homeowners-coverages-deductibles#c2

• The 5 percent and 10 percent deductible options are not available for homes with a Coverage A dwelling limit greater than $1,000,000, or for dwellings with frame construction built before 1980 that are not on a slab foundation and do not have a verified retrofit.

  claim cea-homeowners-coverages-deductibles#c3

• CEA Coverage A and B must be the same as the residential homeowners policy's Coverage A dwelling limit.

  claim cea-homeowners-coverages-deductibles#c4

• Coverage C personal property available limits are $5,000 or $25,000, with $500 included for damage to some breakable personal property.

  claim cea-homeowners-coverages-deductibles#c5

• Coverage D loss of use available limits are $1,500, $10,000, $15,000, $25,000, $50,000, $75,000, and $100,000, and loss of use carries no deductible under either policy type.

  claim cea-homeowners-coverages-deductibles#c6

• Building code upgrade coverage is $10,000 with purchasable options of $20,000 or $30,000, and is paid once the covered dwelling damage exceeds the Coverage A and B deductible.

  claim cea-homeowners-coverages-deductibles#c7

• There is no deductible on the first $1,500 of emergency repairs coverage, and amounts exceeding $1,500 require meeting the Coverage A and B or Coverage C deductible.

  claim cea-homeowners-coverages-deductibles#c8

• CEA states that exclusions and special limits apply and that all terms and conditions of CEA insurance coverage are found in the CEA insurance-policy form.

  claim cea-homeowners-coverages-deductibles#c9

• CEA lists the deductible choices for its homeowners policy as 5, 10, 15, 20, or 25 percent, expressed as a percentage of the Coverage A and B limit.

  claim cea-homeowners-coverages-deductibles#c10

• The page states: 'The 5% and 10% deductible options are not available for homes with Coverage A dwelling limit greater than $1,000,000, or dwellings with frame construction built before 1980 that are not on a slab foundation and do not have a verified retrofit.'

  claim cea-homeowners-coverages-deductibles#c11

Each claim above has its own address. Link to a single claim with/sources/cea-homeowners-coverages-deductibles#c1, and read the same list with its identifiers, checksums and dates at cea-homeowners-coverages-deductibles.json. A checksum lets you tell whether a claim you cited still says what it said.

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