← 22164 Umland Cir, Jenner, CA 95450 · All properties

Insurance Policy - 22164 Umland Cir, Jenner, CA 95450.pdf

This page is a searchable text preview. Use the Dropbox link for the full original file.

Open full file in Dropbox

What This File Appears To Be

YOUR INSURANCE BROKER 725 S. Figueroa Street, Suite 3900 Los Angeles, CA 90017 (800) 339-4099 CLINTON POLLEY GROUP, INC. DBA: CLINTON POLLEY INS BROKERS INC 12150 TRIBUTARY POINT DR #200 GOLD RIVER, CA 95670 PHONE NUMBER (916) 984-3000 www.cfpnet.com Important Information for New Policyholders We are pleased to enclose your California FAIR Plan insurance policy. The California FAIR Plan is the property insurance market of last resort and should be used only after a diligent effort to obtain othe

Text Preview

YOUR INSURANCE BROKER

725 S. Figueroa Street, Suite 3900
Los Angeles, CA 90017
(800) 339-4099

CLINTON POLLEY GROUP, INC.
DBA: CLINTON POLLEY INS BROKERS INC
12150 TRIBUTARY POINT DR #200
GOLD RIVER, CA 95670

PHONE NUMBER (916) 984-3000

www.cfpnet.com

Important Information for
New Policyholders
We are pleased to enclose your California FAIR Plan insurance policy.
The California FAIR Plan is the property insurance market of last resort and should
be used only after a diligent effort to obtain other coverage has been made.
REVIEW YOUR POLICY
Do you have the right amount and type of insurance in case of a loss? Selecting the
amount and type of insurance coverage appropriate for your needs is YOUR responsibility.

Ask your Broker to help guide you in making these selections
KNOW WHAT YOUR FAIR PLAN POLICY PROVIDES
If you cannot get insurance with another company, consider purchasing a Difference in
Conditions (DIC) policy that provides important coverages not available in your FAIR
Plan policy such as water damage, theft and liability coverage.
SEE THE INSURANCE COMPARISON CHART ON THE REVERSE

Contact your Broker for more information

FAIR Plan
Dwelling
Policy

Difference
in Conditions
Policy (DIC)

This ilustration is intended as an overview only. Read the applicable forms for complete terms, conditions and exclusions.

SHOP AROUND
g Ask your neighbors which insurance company they use
g Do not rely on just one source for your insurance information
g DIC premiums can vary greatly between companies

KRAIG CLARK
8430 DEERWOOD CT
FAIR OAKS, CA 95628
I

continued on reverse side

CFP-R3b (09/2019)

California FAIR Plan Association

INSURANCE POLICY COMPARISON CFP DWELLING POLICY TO ISO HO-3
IMPORTANT NOTICE
This chart summarizes some of the significant differences between the coverage provided by the FAIR Plan's basic dwelling
policy and the coverage provided by insurance advisory organization Insurance Service Office, Inc. (ISO) more comprehensive
California homeowners (HO-3) policy form. You should consider purchasing a companion policy, commonly known as a
Difference in Conditions (DIC) policy to supplement what the FAIR Plan policy provides. For a complete, specific understanding
of all of the similarities and differences between the FAIR Plan dwelling policy and the insurance available in the standard
market, you should consult with a licensed insurance broker. In all cases, the specific language of the policy shall constitute
the terms and conditions of the coverage provided.
THIS CHART IS NOT ALL-INCLUSIVE.

PERILS INSURED AGAINST (not all-inclusive)
DWELLING
All physical loss unless specifically excluded (including water damage)

CFP POLICY

ISO HO-3

no coverage

Fire or Lightning
Smoke
Internal Explosion
Extended Coverage (windstorm or hail, explosion, riot, aircraft, vehicles)

Optional

Vandalism or Malicious Mischief

Optional

CONTENTS
Fire or Lightning
Smoke
Internal Explosion
Extended Coverage (windstorm or hail, explosion, riot, aircraft, vehicles)

Optional

Vandalism or Malicious Mischief

Optional

Theft

no coverage

Falling Objects

no coverage

Weight of Ice, Snow or Sleet

no coverage

Accidental Discharge or Overflow of Water or Steam

no coverage

Freezing

no coverage

Sudden Accidental Damage from Artificially Generated Electrical Current

no coverage

LIABILITY COVERAGES
Personal Liability

no coverage

Medical Payments to Others

no coverage

Damage to Property of Others

no coverage

$1,000 Limit

OTHER COVERAGES, LIMITS AND CONDITIONS (not all inclusive)
CFP POLICY
ISO HO-3
Replacement Cost
Other Structures
Additional Living Expense

Optional
Use up to 10% of Dwelling Limit (reduces dwelling
limit), or Optional - you may buy additional Other
Structures coverage

10% of Dwelling Limit (does not reduce
Dwelling Limit, and you may buy
additional Other Structures coverage)

no coverage

Fair Rental Value

Use up to 10% of Dwelling Limit (reduces dwelling
limit), or Optional- you may buy up to 50% of Dwelling
Limit in additional Fair Rental Value coverage

Ordinance or Law

Optional - you may buy up to 10% of Dwelling Limit in
Ordinance or Law Coverage

10% of Dwelling Limit (does not reduce
Dwelling Limit, and you may buy
additional Ordinance or Law coverage)

Debris Removal

Included in Limit of Liability applying to damaged
property (reduces applicable limit), or Optional- you
may buy up to 5% of Dwelling, Other Structures and
Personal Property Combined Limits in additional
Debris Removal coverage

Included in Limit of Liability applying
to damaged property, but adds 5% to
that limit, if necessary, for debris
removal