Basic Coverages: A Dwelling Building B C la D E F Whether you are covered for the peril (if it is a liability claim, you need to consider whether or not you are liable, and then determine if you are covered); If you are covered, which section of the policy is most likely to provide coverage; if you are not covered, why you are not covered? How much coverage you have (note any special limits that apply and whether the deductible applies). G Detached Private Structures Personal Property Additional Living Expense Legal Liability Voluntary Medical Payments Voluntary Payment for Damage to Property Scheduled Articles Endorsement: Jewelry Furs Fine Art Endorsement 500,000 50,000 (10% of Dwelling Coverage) 300,000 (60% of Dwelling Coverage) 100,000 (20% of Dwelling Coverage) 2,000,000 500 250 25,000 15,000 50,000 1) Your house is totally destroyed by a tornado and your valuable Doberman pinscher attack dog was killed in the tornado. You and your family must live in temporary housing (hotel) for 2 months. 2) Thieves burgle your home, taking jewellery, money, your DVD player, TV, stereo and $3,500 mountain bike. They also take your coin collection and destroy two pieces of valuable art. 3) The homeowner's dog bites a child and $5,000 of medical expenses are needed. 4) A garden shed is blown away by a tornado. The cost is $4,000 to replace. 5) A social guest trips over a tricycle, smashes her head, and obtains a judgment of $75,000.