Residence must be:
› Occupied by the insured and insured’s immediate family.
› Properties being occupied by more than two unrelated individuals must be referred to underwriting.
• Does not apply in Maryland.
› Used exclusively for private residential purposes only.
› Properties with home daycare exposure are eligible for this program with evidence of commercial liability coverage with a minimum limit of $500,000 for the daycare operation.
* Proof of license, insurance, and number of children being cared for, along with photos of the interior and exterior, is required prior to binding coverage.
› Properties used for the purpose of assisted living, nursing home, or group home facilities are ineligible for coverage.
› Properties used for the purpose of college housing are ineligible for coverage.
› Properties used for business purposes, other than approved home daycare's, are ineligible for coverage.
The following properties are ineligible for coverage:
› Properties where animals with dangerous propensities, or which present unusual liability exposures, are kept are ineligible for coverage.
* This includes, but is not limited to:
Akitas – American Bulldogs – Mastiffs – Beaucerons**
–Belgian Malinois** – Caucasian Mountain Dogs**
–Chow Chows – Doberman Pinschers – German Shepherds**
–Great Danes** – Keeshonds** – Pit Bulls – Rottweilers
– Rhodesian Ridgebacks** – Staffordshire Terriers
– Wolf Hybrids – Any mix or variation of these breeds
– Any dog with a history of biting
– Any dog underwriting deems ineligible
*In Georgia and Maryland, this applies UNLESS the dog and its master currently residing in the residence have received AKC’s Canine Good Citizen (CGC) obedience training and the yard is completely surrounded by a 6-foot fence with a locking gate. Certificate of course completion and photo of dog is required prior to binding coverage. **These breeds are eligible for coverage in Arizona, Colorado, Louisiana, Ohio, Pennsylvania, Texas, and Wisconsin. › Properties with exotic animals, farm, saddle or hooved animals. › Properties with trampolines or skateboard ramps. • In New Jersey we cannot exclude liability coverage for trampolines
› Fire or lightning
› Windstorm or hail
› Riot or civil commotion
› Smoke › Theft
› Volcanic eruption
› Falling objects
› Weight of ice, snow or sleet
› Vandalism or malicious mischief
› Accidental discharge of water or steam
› Sudden and accidental tearing apart of a heating system or appliance
› Sudden accidental damage from artificially generated electrical current
› Breakage of glass or safety glazing material