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(916) 773-4300 Granite Bay, CA

Help Limited Theft Coverage


LIMITED THEFT COVERAGE 

FUNCTION: 
The Limited Theft endorsement adds coverage for losses to personal property caused by theft and vandalism, as well as malicious mischief resulting from theft, if the theft occurs on-premises.   Without this endorsement, the named perils covered by Dwelling Fire One and Dwelling Fire Three policies do not include theft.
 
Limited Theft coverage may be purchased in increments of $1,000 up to a maximum of $5,000.  A $250 deductible applies.
 
EXAMPLE: 
Dave has a Dwelling Fire Three policy.  While he was away at work, Dave’s $1,600 lawnmower was stolen from the shed on his property.  Since Dave purchased $2,000 Limited Theft coverage, the loss will be covered.  Dave will only have to pay the $250 deductible. 
 
USAGE:
Available for all owner-occupied and landlord policies.  Not available for vacant policies.
 
SPECIAL UNDERWRITING CONSIDERATIONS:
Special Amounts of Insurance apply for tools.
 
We do not insure:
  • Losses caused by, resulting from, contributed to or aggravated by intentional acts of any tenant, roomer, boarder, member of tenant’s household or their employees.
  • Any loss at the insured premises if the dwelling has been vacant for more than 30 consecutive days immediately before the loss.
  • Any theft, attempted theft, or mysterious disappearance of:
  1. Goldware, gold-plated ware, silverware, silver-plated ware, and pewterware
  2. Jewelry, watches, furs, precious and semi-precious stones
  3. Firearms