Common Contracts

COVERAGE COMPARISON

January 26th, 2022

• Filed
  January 26th, 2022

COVERAGE FEATURES CHURCHES AND CHRISTIAN CHARITIES CHURCH PROTECTION PLUSTMExclusively Through Robertson Hall STANDARD POLICY INSURING AGREEMENT “Broad Form” Physical Damage Coverage Yes No Single Limit Building(s) And Contents (“Property Of Every Description”) Yes Optional Replacement Cost Endorsement Yes Optional Inflation Guard (Cost Of Living Rider) Yes Optional Stated Amount Clause - Agreed Value (Subject To Acceptable Statement Of Values) Yes Optional Same-Site Rebuilding Clause Removed Yes No Debris Removal Included Yes No EXPANDED PROPERTY FORM Leasehold Improvements And Betterments Yes No Detached Structures / Outbuildings Yes No Contents Anywhere On Premises Yes No “Disappearing” Deductible For Claims Over $10,000* Yes No Earthquake Deductible• 5% / 10% / 20% Of Insured Value In B.C.• 5% In Ottawa And Montreal• 3% In The Rest Of Canada Yes No Flood - $25,000 Deductible Yes No Sewer/Sump Backup - $2,500 Deductible Yes No Lawn And Maintenance Equipment Yes No Unlicensed