Property Coverages	HO-3	HE-7
Guaranteed Replacement Cost	NO (HO-3220 adds 25% Max) Typically 125% on HO-3	Yes Actual Cost to replace
Money in the house	$200 (HO 0465)	$1,000
Securities	$1,500	$5,500
Jewelry Theft	$3,000 must be evidence of break in	$5,500 total ($1,500 per item, includes losing, misplacing & disappearance
Firearms Theft	10% of coverage C up to $10,000	$10,000 includes mysterious disappearance
Silverware Theft	25% of C up to $10,000	$10,000 includes Mysterious disappearance
Tree Removal-must hit structure	$1,000	$2,000
Trees Shrubs & other plants	5% of cov. A up to $500	5% of Cov. A up to $1,000
Deductible Waiver	NO	YES-if loss over $50,000 deductible waived
Fine Arts & Antiques	Must be scheduled	Covered to actual value up to the total contents amount
Directors & Officers-non profit organizations only	N/A	Included
Pre judgement interest	within policy limits	Paid as a supplementary
Personal Property Loss Settlement	Actual Cash Value (ACV) can add RC additional charge	Replacement cost
Ordinance of Law	10% of coverage A	Part of Coverage
Loss of use from Power Outage	On Premises power outage only	On premises w/ 48 hr wait Off Premises w/ 48 hour wait
Food Spoilage	Optional coverage add HO-0498	YES $500 no deductible applies
Personal Injury	NO	YES
Loss of Use Civil Authority	2 weeks	30 Days
Special Coverage on contents	N/A	includes breakage and mysterious Loss