ADDITIONAL COVERAGES

Debris removal: Pays you reasonable expense of removing debris after a covered peril causes damage your property. This expense is included in the policy limit.

Reasonable repairs: In the event your residence property is damaged by a covered peril, your policy will pay the costs for steps taken to protect your property from further damage.

Trees, shrubs and plants: Your policy will pay for loss to trees, shrubs, plants and lawn due to specified perils up to 5 percent of your home insured value (not more than $500 for any one tree, shrub and plant). This is in addition to your limits. The perils of wind, weight of ice and snow, and disease are excluded.

Fire department service charge: Your policy pays up to $500 for liability assumed by you for fire department charges to save or protect your residence property.

Collapse: Collapse of a structure is covered on a named peril basis, as listed in your policy.

Glass breakage: Glass that is part of a covered building, including storm doors and windows, is covered unless the dwelling has been vacant for more than 60 consecutive days immediately before the loss.

Landlord's furnishings: If you rent out a furnished room that is part of your residence premises, your policy will cover those furnishings up to a maximum of $2,500 on a named peril basis. No theft coverage.

Building ordinance: 10 percent of your insured value on your residence premises.

Grave markers: Your homeowner policy covers up to $5,000 on gravemarkers (including mausoleums) located both on and off your residence premises.