Under the broad and special dwellings forms, coverage is provided for fair rental coverage for that part of the residence premises that is rented or held for rental to others. If a loss occurs under coverage A that makes that part of the premises unsuitable for living, this coverage would pay the lost rental value. Fair rental value is the amount of rent that could reasonably be charged for the premise. If the insured was to temporarily lose use of the dwelling, this coverage would apply and payment could be made for expenses incurred to live elsewhere following a loss that makes the dwelling unsuitable for living. Endorsements Personal Liability Supplement Liability coverage is not automatically included in dwelling policies, however, coverage is available by adding a personal liability supplement to the policy.
Coverage is provided for bodily injury and property damage.
Medical payments coverage is also included in the liability supplement. Residential Theft Coverage Endorsement Theft coverage is not automatically included in dwelling policies, however, coverage may be added with a broad theft coverage endorsement or a limited coverage endorsement. The limited theft coverage endorsement is available for dwellings that are not owner-occupied. The broad theft endorsement is only available to owner-occupied dwellings, and can apply to on and off premise theft. Both endorsements provide coverage for theft, attempted theft, and vandalism or malicious mischief as a result of theft.