HO-3 Section 1 - Perils Insured Against

A building or any part of a building that is in danger of falling down or caving in is not considered to be in a state of collapse.

With regard to “Tree Removal” the $2,000 limit is the most we will pay in any one loss regardless of the number of fallen trees. No more than $500 of this limit will be paid for the removal of any one tree

In “Additional Coverages” Trees are covered for the peril of wind.

Under “Special Limits of Liability” Jewelry has a $1,500.00 limit for the peril of Theft.