Option 1 – Comprehensive Coverage
DP-3 coverage, sometimes referred to as “special form,” approximates what is offered by a homeowners (HO-3) policy. Liability protection is optional.
Option 2 – Flexible Coverage
The most flexibility in terms of coverage and eligibility is offered by a DP-1 policy, also called a “basic form.” Liability protection and other coverages are optional.
Named Peril Coverage
The policy covers those causes of loss listed by name in the policy documents (fire, lighting, wind, hail, explosion, and others). It covers the essentials, but not everything.
Actual Cash Value Settlement
Losses are settled for the actual cash value (ACV), which takes depreciation into account. In many states we offer upgrades to full repair cost coverage or replacement cost coverage.
T.A. Swain Insurance Group, LLC PO Box 906 Westerville, OH 43086 US
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