watercraft endorsement ho 24 75

If an insured ever uses a riding lawn mower to cut grass at a location away from their residence, have they negated liability coverage for any use of that mower, even while being used at their residence? MPIUA has provided an online payment option, which allows policyholders to avoid service fees if used. The insured must pay a premium to add this coverage to their policy. The watercraft exclusion contains exceptions that provide coverage for three types of claims. or other watercraft, if with inboard or inboard-outdrive engine or motor A contrivance does not have to have a motor to be an aircraft. Watercraft Liability Endorsement (HO 24 75) Business Pursuits Endorsement (HO 24 82) 6.0 Auto Insurance 16% (21 items) 6.1 Laws Virginia Motor Vehicle Financial Responsibility Law and required limits of liability (38.2-2206; RL 46.2-372, 472) Virginia Automobile Insurance Plan (RL 46.2 . Dark alleys, abandoned buildings, wet streets stabbed with neon lightshadowrunners know all these places. Mandatory Building Fire Insurance Application (MUA-CA-1). Sailing vessel, with or without auxiliary power, He wants to know if it covers his sailboat while he is practicing for the annual regatta at his yacht club. on premises. Homeowners Insurance Clearinghouse She also sues Bill for negligent entrustment, alleging that Bill contributed to the accident by failing to properly supervise Mark. . HO 24 75 04 91 Copyright, Insurance Services (A) (B), Inboard or Inboard-Outdrive For an insurer to pay a property or casualty claim, when must the policyholder have an insurable interest in the insured risk? Description of Other Structure(s)- indicate how used with home. f. $2,500 for loss by theft of firearms and related equipment. Watercraft powered by an outboard engine or motor (5) Watercraft; owned or operated, or hired by or for the "in-sured" or employer or used by the "insured" for the purpose of instruction in the use thereof; or b. Permitted Incidental Occupancies (Other Residence). ISO revised the HO 24 75 - Supplemental Watercraft Liability Coverage as part of this filing to assure the wording and coverages dovetail between the form and the endorsement. Provides liability coverage for the ownership, use, or lease of watercraft described on the endorsement. Risk tolerance, loss modeling, risk mitigation, non-insurance transfer, and A boat insurance policy with boat liability coverage may help pay to repair someone else's property damage or help cover someone else's medical bills that result from an accident you cause with your boat. 8. imposed, for the actions of a child or minor using a watercraft described [1] The head consists of two ends, opposite each other and separated by a central eye. Claims can also be submitted via a web portal available from this page. . General liability, property, auto, workers compensation, and more. If John, while helping Robert move to his new home, accidentally drops Robert's entertainment system and it is damaged beyond repair. "; "Car kept by insured as collectible rather than for transportation was in dead storage despite fact that car was occasionally driven on property where it was stored and accident occurred while repairing gas gauge. of a watercraft described below; b. HO 24 82 (04 91) Personal Injury . Statutes proscribe, declare, prohibit, or command something specific in writing. For all lines, a copy of the mortgage agreement is required if there is a non-institutional mortgage holder named on the application. 713-527-0444888-266-2680Fax: 713-527-0457info@deandraper.com, 3131 West AlabamaSuite 150Houston, Texas 77098. PLEASE READ IT CAREFULLY. The Incidental Low Power Recreational Motor Vehicle (HO 24 13) endorsement provides "motor vehicle liability" coverage for owned vehicles that were not built or modified after manufacture to exceed a speed of 15 miles per hour on level ground and are not motorized bicycles, mopeds, or golf carts, regardless of its speed capability. Secondly, non-owned watercraft are covered only if they are not used to transport people or property for a charge. The picnic takes place on a lake near your office. HO 24 75 03 22. This endorsement requires an additional premium and is subject to your company's underwriting rules and guidelines. An individual's homeowner policy will provide "watercraft liability" only for borrowed personal watercraft or jet skis. For example, suppose that your firm hosts an employee picnic on a cabin cruiser it owns. Several definitions in the 2000 Homeowners 3 Policy are associated with liability coverage. American Commerce Insurance Company(SM) | Citation Insurance Company(SM) | The Commerce Insurance Company(SM) | Commerce West Insurance Company(SM) MAPFRE Insurance Company(SM) | MAPFRE Insurance Company of Florida(SM) | MAPFRE Insurance Company of New York(SM) ISO excludes "motor vehicle liability" for any "motor vehicle" that is registered to use on public roads or property. If you injure someone or damage property with your watercraft, the liability portion of your home insurance policy can help cover any associated cost. Most general liability policies contain an exclusion under Coverage A (Bodily Injury and Property Damage Liability) entitled Aircraft, Auto or Watercraft. To give their customers peace of mind so they can carry on in life and in business, agents have to know what they are talking about and selling. Watercraft liability coverage helps pay for another person's. Web. Specified Additional Amount Of Insurance For Coverage A Dwelling Massachusetts. John and Mary Smith sign their property over to a trust, the JMS Trust under which they retain a life estate and name their son, Michael as trustee. The policy also excludes "motor vehicle liability" for "motor vehicles" not registered for use on public roads or property, but where such registration is required by a law or regulation issued by a government agency for the "motor vehicle" to be used at the place where the liability exposure exists. If your firm owns a boat that it uses for business purposes, you should purchase watercraft liability insurance. Your article was successfully shared with the contacts you provided. Description of Rented Unit, Increase in Limit of Liability, Total Limit Of Liability, Property Remediation For Escaped Liquid Fuel and Limited Escaped Liquid Fuel Liability Coverages (HO 00 02, 03 & 05), Need to know if storage tank is above ground or below ground Aggregate Limited Escaped Liquid Fuel Liability Limit Of Liability Property Remediation For Escaped Liquid Fuel Limit of Liability, Property Remediation For Escaped Liquid Fuel and Limited Escaped Liquid Fuel Liability Coverages (HO 00 04), Property Remediation For Escaped Liquid Fuel and Limited Escaped Liquid Fuel Liability Coverages (HO 00 06), Rating Information Property Remediation For Escaped Liquid Fuel and Limited Escaped Liquid Fuel Liability, Mandatory when endorsement HO 05 72, HO 05 73 or HO 05 74 are attached to a policy, Unit-Owners Coverage C Special Coverage Form HO 00 06 Only, Unit-Owners Coverage A Special Coverage Form HO 00 06 Only, Unit-Owners Rental To Others Form HO 00 06 Only, Need to know # of weeks the condominium is rented. 3 November 2020. renting boat to another) HO-24-71. Electronic Commission Statement personal injury: co 24 82: 07/2005: HO 04 12 4358/NCEP Option U Ordinance or Law Coverage HO 04 77 4472/NCEP Option KK Special Personal Property Condominium Form (8) HO 32 95 4471/NCEP Option BBB Watercraft HO 24 75 4367/NCEP Option CCC Permitted Incidental Occupancies (Residence Premises) HO 04 42 4361/NCEP Description of Form Bureau Form Number CHO Form Number A 100% of Cov. El capitn Pedro Carrillo Dvila recibi su compensacin por la conquista recibiendo gran cantidad de tierras o sitios de ganado mayor. IL 02 75 - Texas Changes - Cancellation and Nonrenewal Provisions for Casualty Lines and Commercial Package . Enter Name of Grantor or Beneficiary if they reside a residence premises. Buying Versus Leasing a Car: Which Is Better? Examples would be state or federal regulations requiring special stickers or restrictions on all terrain vehicles (ATV) or snow vehicles while used off road. The HO-4 provides coverage on an actual cash value basis but can be endorsed with the HO 04 90 to provide replacement cost coverage. Others use boats for a purpose that is incidental to their primary occupation. Primary and Secondary Homes Homes that are occupied on a year round basis. CIC- 964 (05 10) Advantage Endorsement . Endorsment Non-Resident (MN) . A yacht policy usually carries a percentage of the insured value deductible, for instance a 1%, deductible means a boat insured for $100,000 would have a $1,000 deductible. If a watercraft is covered under the CIC-918, the HO-2475 should not be applied to the same boat. To avoid an important coverage gap, a home owner should add the watercraft endorsement (ISO form HO 24 75) or its equivalent to his or her homeowners policy if the insured owns an outboard motorboat with more than 25 horsepower. The exclusions for racing, renting to others, carrying people or cargo for a charge, or any "business" purpose found in the standard homeowner language also apply to the scheduled watercraft. Engine(s) or Motor(s) WATERCRAFT ENDORSEMENTS | Insurance Coverage Law Center Includes copyrighted material of Insurance Services Office, Inc., with its permissionWater sports are tremendously popular, and include. Will John's HO-2 policy provide coverage? If a guest is injured on the boat and demands compensation, the claim will not be covered by your liability policy. December 15, 2009. Regardless of the number of assessments, the limit of $1000 is the most we will pay for loss aris-ing out of "personal injury". Increases perils insured against. All 3 individuals must sign the application. Etsy for Sellers: What Insurance Do You Need? He is intrigued by the boat and attempts to climb in. Beyond this change to the base form, ISO revised the HO 24 75 Supplemental Watercraft Liability Coverage as part of this filing to assure the wording and coverages dovetail between the form and the endorsement. All HO forms, the HO 06 15 - Trust Coverage endorsement and the HO 24 73 - Farmers Personal Liability Coverage endorsement are all revised as a result of this change. There is also "motor vehicle liability" if the golf cart is being used by an "insured" inside a private residential community subject to the authority of a property owners association that contains an "insured's" residence. We sell, repair and consign jet skis, personal watercraft and ATVs. ANY STORED WATERCRAFT HAS LIABILITY COVERAGE Subject to company approval, ISO provides the Watercraft HO 24 75 endorsement, that expands "watercraft liability" coverage to scheduled watercraft. Earthquake % Deductible, If Exterior is Masonry Veneer indicate if it is to be covered. Mo Tu We Th Fr Sa Su ; 1: 2 : 3 : jedi maker xtream epg: can a ryzen 5 3600 run escape from tarkov: department of agriculture secretary: difference between 75 ohm and 300 ohm fm a Permitted Incidental Occupancies Endorsement (HO 04 42) . HO 24 64 (12 94) Snowmobile . Hail. endorsement. The contest is to predict in advance the time a boat will take to get from point to point on a designated course. Boats with more than 25 horsepower may be scheduled, and sailing vessels 26 feet or more with or without auxiliary power may be scheduled. There is "watercraft liability" coverage for watercraft that are sailing vessels and under 26 feet in length. ISO defines "business" and this definition will be discussed in a future installment of this series. Watercraft. Application ACORD 60 MA Home Cost Estimator Worksheet (MUA-RIA-HCE) required for Forms HO 02, 03 and 05. Editorial Review Policy. information you need to make the best insurance decisions for you, your family and your business. Melanie has an accident . CIC- 919 (04 93) Mariner Endorsement . This regulation also addresses the possession and use of bait fish , fishing contests and free fishing days. b. power: *Ourboard Engine or Motor Owner (if not you), Outboard In addition, there is an exclusion for bodily injury pertaining to any employee of an insured, arising out of that employee's job as it relates to the scheduled watercraft. PERSONAL LINES ISSUES GAPS COVERAGES Business pursuits (HO 24 71) Watercraft (HO 24 75) Personal injury (HO 24 82) Identity Theft 6.0 Auto Insurance 14% 6.1 Laws New Hampshire Motor Vehicle Financial endorsement (CG 04 22) 7.3 Commercial property ('07) Commercial property conditions form Coverage forms Building and personal property Explosions. ISO goes on to say that even if these exclusions do not apply, there is still no "motor vehicle liability" except under the following conditions: ISO had designed two endorsements that expand "motor vehicle liability" provided under a homeowner policy. HO 24 75 Watercraft (II) This endorsement extends Section II coverage to accidents involving scheduled watercraft. Engine brand Hison Engine Type 4 Stroke Engine Displacement 125CC Max Horse power 20HP Max speed 40km(24. . Fishing > Regulation - Emergency Rule (See changes in Section 32 (t), page 32, Saratoga Lake creel limits . Author: Client Access All HO types, the HO 06 15 Belief Protection endorsement and the HO 24 73 ISO revised the HO 24 75 Supplemental Watercraft Legal responsibility Protection as a part of this submitting to guarantee the wording and coverages Endorsement HO-24 75 can be added to provide Liability coverage for excluded watercraft. All have differing designs which include the above-described basic design features. Since the insured does not have to own the "motor vehicle" and since coverage applies at any location if being used to assist a handicapped person there would be "motor vehicle liability" coverage while a handicapped insured was using a motorized chair owned by a retail store to assist them in their shopping. To report a new claim by phone during regular business hours, please call 617-723-3800 or 1-800-392-6108 (MA) or 1-800-851-8978 (USA). 1. E. Owned Snowmobile Endorsement (HO 24 64) extends Coverages E and F to scheduled snowmobiles while they are off an insured location. The insured may live in an area where the boat cannot be used year-round, so the navigation period is important. It may cover damages incurred while boating, damages when the boat is docked, (HO 24 82) endorsement has six exclusions of its own, in addition to the exclusions in the policy that apply to "bodily injury. Primary and Secondary homes may be rented annually for up to 12 weeks. Business pursuits (HO 24 71) Watercraft (HO 24 75) 4 Personal injury (HO 24 82) 6.0 Auto Insurance 14% 6.1 Laws . in connection with the maintenance or use of watercraft; or. WOODBUR Wood Burning Stove. The coverage broadening endorsementBroadened Home-Sharing Host Activities Coverage Endorsementmay be used to add coverage back; however, for the HO-14 the endorsement is not necessary, as the broader coverage of this endorsement is incorporated into the new "Millennial renters" form. The exclusion eliminates coverage for bodily injury or property damage arising out of the ownership, maintenance or use of any watercraft that you (or any other insured) own or operate. Jerry Montgomery, CIC, CRM, LUTCFJerry is an Academic Director in the Curricula and Faculty Development department of The National Alliance, and a national faculty member for CIC and CISR classes. watercraft: ho 24 75: 04/91: obsolete. o HO-91 limits coverage on "watercraft" to $1,000. The endorsement provides coverage for liability and medical payments. Surprisingly, your home insurance will cover you if your watercraft is stolen, but of course only up to $1,000. Personal Insurance | Vice President. "/> HOME PROTECTOR OHIO (34) RATES MAN-10 (07-10) Rates Page 2 Definition. If the sailing vessel is 26 feet or longer there is coverage if it is borrowed or rented by an insured but no coverage if it is owned by an insued. Selected endorsement Actual cash value (EB 99 59) 7.7 Farm coverage Farm property coverage form ('03) C. The use of a sailboat in a racing competition "Endorsements: Personal Property Replacement Cost, Business Pursuits, Watercraft, and Personal Injury. Topics include property and attorney fee reforms, reinsurance, Citizens and Assignment of Benefits. endorsement. HO 23 70 06 97 Windstorm Exterior Paint or Waterproofing Endorsement HO 23 74 12 13 Replacement Cost Loss Settlement Endorsement UPCIC 00 07 (02-12) Sinkhole Loss Coverage - Florida . An hour into the picnic an employee named Mark asks Bill for permission to take the boat for a spin. brochure will help explain the basics of watercraft insurance and provide North Carolinians from all over the state enjoy boating on lakes, rivers, and , from 2002 through 2006, there has been an average . A. WATERCRAFT WITH ONE OR MORE ENGINES OR MOTORS OF MORE THAN 25 TOTAL HORSEPOWER Description And Length Of Watercraft And Description Of Outboard Engine Or Motor Horsepower Of Engine Or Motor Description of Business & Location, # of employees, any physical alterations to residence, number of clients that visit the business on weekly basis. The revised HO 24 13 endorsement will learn (that is the exception to the exclusion): Paragraph A.2.e. The second part of the definition states that any trailer or semitrailer is also a motor vehicle if it is being carried on, towed by, or hitched for towing by a self-propelled land or amphibious vehicle. Note: Outboard motors of more than 25 horsepower are covered by your homeowner's policy if: Ohio Motor Vehicle Financial Responsibility Law (4509.01.81) Endorsement for motor carrier policies of insurance for public liability (MCS -90) Drea's 2-20 Quiz (320 Questions) 1. 26 feet or more in overall length: *Length of Watercraft more. Auto, home, flood, motor, personal umbrella, and more. Endorsement HO 05 43 is added to the policy. MINIMUM NAMED STORM DEDUCTIBLE (COVERAGE A LIMIT), HCE Worksheet, Cov A must be = or > 80% of Estimated Replacement Cost, No Additional Information needed Mandatory Endorsement, Mandatory when W/H % Deductible is attached to policy, Name & Address of Person or Organization, Interest, Documentation showing interest, Increase in Limit of Liability, Total Limit of Liability, Description of Business. *Entries may be left balnk if shown elsewhere in this c. Vicarious liability, whether or not statutorily Seasonal Properties Seasonal properties are properties that have a period of un-occupancy of at least 3 consecutive months per year. To register for the inured portal please go to, https://insuredportal.mpiua.com/register . If under rehabilitation or construction Letter of Intent is required. Subrogation Waiver. July 25, 2022 at 06:59 AM The Supplemental Watercraft endorsement allows an insured to obtain coverage for watercraft that are too large or too powerful to be covered under the homeowners policy, but are not quite large enough for a watercraft policy. May to September is his navigation period. Discontinued Products and Operations Coverage, Meaning of Occurrence in a General Liability Policy. These are considered inboard or inboard-outdrive, so there is no "watercraft liability" for any owned vessel. Commercial Insurance Inquiries concerning the processing status of an application, policy, endorsement, cancellation, claim Fax numbers are operational 24 hours 7 days a week. Sailing vessel, with or without auxiliary power, 26 feet or more in overall length: This insurance does not apply: a. Endorsement HO 05 43 should be added naming Jane Smith Beneficiary of the JMS Trust. A watercraft endorsement is a rider to a homeowner's insurance or liability policy that covers boats that the insured owns or uses. Application ACORD 65 MA. Endorsements that modify Sections I and II: Five endorsements that modify forms HO2, HO3, HO5, HO6 and HO8. By clicking sign up, you agree to receive emails from Insuranceopedia and agree to our Terms of Use and Privacy Policy. Personal Liability and Coverage F - Medical Payments to Others apply MA Market Assistance Plan International risk management strategies and innovative enterprise solutions. IRMI also differentiates between "stored" and "berthed". ho-75 watercraft endorsement all policies automatically provide personal liability and medical payments coverages for: (1) any watercraft equipped with inboard or inboard-outdrive motor power of 50 horsepower or less if rented to you, (2) a sailing vessel less than 26 feet in length if owned by or rented to you, and (3) any watercraft powered Group Health, Dental, Vision, Life, and more. HO 04 61 Scheduled Personal Property Endorsement View HO 04 61 MHO30 Seasonal Dup Liability Credit Non-MN Res (MN) View MHO30 MHO30 Seasonal H.O. Motorcycle Riding Courses in Salem on YP.com. Workplace Enterprise Fintech China Policy Newsletters Braintrust ke Events Careers so Enterprise Fintech China Policy Newsletters Braintrust ke Events Careers so. There are no size restrictions on model aircraft so "Big Bird" model aircraft liability exposures would be covered. It also excludes claims arising out of any watercraft that you (or any other insured) rent, borrow or entrust to someone else. (2) While the watercraft is used to carry persons 1-4 Unit Dwelling.- Contents of any Residential Unit. In the HO-91 Program, the amount is $500; in HO-2000 it is $1,000. This two-hour course will provide attendees an update on the 2022 Special Session. 2 8. Consult your agent or broker for details. HO-75 Watercraft Endorsement All policies automatically provide Personal Liability and Medical Payments Coverages for: (1) any watercraft equipped with inboard or inboard-outdrive motor power of 50 horsepower or less if rented to you, (2) a sailing vessel less than 26 feet in length if owned by or rented to you, and (3) any watercraft powered by one or more outboard The agent found numerous checks were illegible as to the name of the payee on the front of the check and as to the endorsement on the back of the check. A watercraft endorsement is a rider to a homeowner's insurance or liability policy that covers boats that the insured owns or uses. Helpful tools such as the MPIUA Producers Manual and Producer Quick Reference section are available to help answer inquiries regarding MPIUA policies and procedures. You store the boat in a shed behind your office during the winter. See reviews, photos, directions, phone numbers and more for the best Motorcycle Instruction in Salem, WI. For example, you rent a 25-foot boat from Les Bateaux. The hobbies niche market is anything from learning, technology, swimming, the arts, golf, polo, beach volleyball, basketball, football, arts and crafts, music, collecting, gardening to well, anything! Row boats, canoes, paddle boats, and kayaks are examples of craft that are not considered watercraft since they are not powered by wind, engine power, or an electric motor. Endorsements that modify Sections I and II: Five endorsements that modify forms HO2, HO3, HO5, HO6 and HO8. Life Insurance Companies: 67 of the Biggest Carriers in the U.S. Watercraft endorsement (HO 24 75) Provides Personal Liability and Medical Payments to Others. Coverage Provided: HO Watercraft Endorsement #HO 24 75 D. Incidental Low-Power Recreational Vehicles Endorsement (HO 24 13) extends Coverages E and F to cover RVs. Helping you navigate the world of insurance by bringing you expert advice and all the current The definitions of: clarify that liability coverage applies not only to direct exposures such as ownership, operation, maintenance, use, and loading or unloading, but also to vicarious liability exposures such as the entrustment to any person, the failure to supervise or negligent supervision of any person, and for the actions of a minor or child whether imposed by statue or not. An online access code is required to register. Properties under rehabilitation are ineligible. Twenty minutes later Mark accidentally rams the cruiser into a rowboat, injuring one of its passengers. It may cover damages incurred while boating, damages when the boat is docked, medical fees due to a boating accident, as well as liability protection. 8. We do not cover assessments charged against you or a corporation or association of property owners by any governmental body. There is no "watercraft liability" if the involved watercraft is rented to others, used to carry personal or cargo for a charge, or used for any "business" purpose, such as entertaining business clients or fishing guide excursions. HO 24 73 (06 94) Farmers Personal Liability . Another exception covers bodily injury or property damage that arises out of an occurrence involving watercraft that isn't owned by any insured. #3 Best Value of 5,037 places to stay in Dusseldorf. Higher Limits Optional, Mandatory for HO 00 04 & 06 Policies w/ HO 05 24, HO 17 31 & HO 17 32 Higher Limits Optional, Indicate Residence Premises & Additional Amount of Insurance if coverage desired for Addl Location need to indicate Location & Limit of Liability, Structures Rented to Others (Residence Premises). Money- $200 2. We do not cover assessments charged against you or a corporation or association of property owners by any governmental body. Personal Liability Exposures and the Homeowner Policy, , if 25 total HP or Less or if Newly Acquired; No HP Restriction. 1. Search for: Agency-Company Contract Reviews SECTION II CONDITIONS With respect to the coverage provided by this en- I've had my watercraft endorsement on my homeowners policy for 3-4 years, paying a premium for the addition. These policies are also known as "open perils" policies, "comprehensive form" insurance, and HO-5 policies. THIS Sign In Now Limit of Liability, Deductible, Does Collision Apply, Make or Model and Serial Or Motor Number. Occurrence Policies: What's the Difference? 3. Around 52 per cent of the participants are expecting 100 basis points increase in the policy rate in the upcoming policy statement, whereas 16 per cent expects more than 100 basis points rise. To report an emergency claim during non-business hours please call 1-800-297-3554 and follow the instructions. First, the watercraft must be less than the length specified in the policy. Theft of Silverware, goldware, pewter- $2500 8. Business property on the residence premises- $2500 9. A third exception covers liability you assume under an insured contract for the ownership, maintenance or use of watercraft. Both claims are excluded by the watercraft exclusion in your firm's liability policy. There is "watercraft liability" for engines/motors owned by an insured, if the total horsepower of the outboard engines/motors is greater than 25 total horsepower and acquired during the policy period. 4. Title on policy should be Michael Smith Trustee of the JMS Trust. HO 24 71 (05 94) Business Pursuits . Office, Inc., 1990. The greatest majority of homeowner policies offer personal liability coverage that parallels the ISO Homeowners 3 - Special Form coverage. personal injury: co 24 82: 07/2011: 07/1/11-01/1/13. For that reason, this article will identify some of the personal liability exposures that an insured may face that can be addressed by the coverage found in Section II of the ISO Homeowner 3 - Special Form and some of the endorsements that may be attached to that form. The rental contract requires you to indemnify the rental firm for any bodily injury or property damage you cause to a third party while using the boat. The 6 Types of Business Insurance Many Companies Don't Realize They Need, What Canadians Need to Understand About Their Travel Insurance, 9 Hidden Insurance Perks Your Credit Card Provider Might Offer, Insuranceopedia Explains Watercraft Endorsement, 9 Key Homeowners Insurance Terms You Should Know, Boat and Watercraft Insurance: The Basics, 10 Things to Know About Homeowners Insurance, CLUE Yourself In: How Your Claims History Informs Your Insurance Future, The Key Elements of an Insurance Contract, 10 Ways to Prevent Theft and Break-Ins in Your Apartment, Blanket Coverage: Understanding the Basics. Named Storm Deductible Rule for Properties located more than mile from the coast anywhere in the state except properties in Barnstable, Dukes and Nantucket Counties, About Us | Contact Us | Privacy Policy | Careers. Commercial property including buildings with 5 or more apartments or condominiums. WATERCRAFT. Even as Mercer struggled with her own conscience when it came to turning Bruce Term .