Multi-Peril Coverages - Series A

Property Coverages

Our multi-peril policy protects your owned buildings and personal property against either Basic, Broad, or Special causes of loss. You select the coverage based on your budget and exposures.

• Basic, Broad, and Special Causes of Loss
• Systems and Equipment Breakdown Coverage
• Extensions of Coverage

Basic Covered Causes of Loss

Includes fire, lightning, explosion, windstorm, hail, smoke, aircraft, vehicles, riot, civil commotion, vandalism (except broken glass), sprinkler leakage, sinkhole collapse, volcanic action, damage by burglars, and sonic boom.

Broad Covered Causes of Loss

Includes all Basic causes of loss plus: glass broken by vandals; falling objects; weight of snow, ice, or sleet; water damage (not flood); and collapse due to specified causes. Glass breakage may be covered in full (less your deductible) or for a specific per pane/per building limit.

Special Covered Causes of Loss

Includes all Basic and Broad causes of loss, plus any other cause that is not specifically excluded or limited. Examples of Special causes of loss include: accidental breakage (except for glassware, marble, china, and porcelain), spills, stains, scratching, or marring; roof damage due to freezing and resulting water damage; and backed-up water (not flood) from sewers and drains.

Some causes not covered include: earth movement (except sinkhole collapse), nuclear hazards, government action, power failure, war, flood, mudslides and seepage, industrial smoke, and normal wear and tear.

Systems and Equipment Breakdown Coverage

Church Mutual multi-peril policies automatically provide Systems and Equipment Breakdown Coverage. This means that mechanical breakdown, artificially generated electrical currents, steam boiler explosion, and internal damage to steam boilers are considered as additional covered causes of loss.

Among the items included in the Systems and Equipment Breakdown Coverage are your:

• Computers, telephone systems, fax machines, and copiers
• Sound, lighting, and video equipment
• Air conditioning motors, compressors, systems, and piping
• Electrical cable, wiring, panel boards, switch gear, and transformers
• Engines, motors, compressors, turbines, pumps, fans, blowers, and generators
• Steam boilers, steam piping, steam turbines, steam engines, and gas turbines
• Alarm systems, elevators, and much more

Extensions of Coverage

Each Church Mutual policy automatically provides several coverage extensions and additions. A specific limit is provided for each of the following:

• Newly constructed buildings for up to 180 days
• Newly acquired buildings and their contents for up to 180 days
• Personal property of others, at your premises and under your care, custody, or control, at replacement cost*
• Business personal property of your camp director, at or away from your premises, at replacement cost*
• Personal tools and equipment of volunteers, officers, trustees, employees, members, and guests, if the tools and equipment are being used for construction, renovation or repair of an insured structure*
• Valuable papers and records, including computer records
• Property temporarily off-premises, anywhere in the world, for up to 180 days
• Outdoor trees, plants, shrubs, and lawns, damaged by fire, lightning, explosion, riot, civil commotion, aircraft, theft, vandalism, and vehicles
• On-premises outdoor structures, including maintenance buildings and their contents, statuary, fences, pavilions, light poles, television antennas, and satellite dishes
• 10% of the insurance amount on dwellings for related structures, 5% for your property in the dwelling, 10% for loss of dwelling rental value, and 10% for additional living expenses of the occupants
• 25% of the loss (subject to policy limits), plus an additional limit you select, to remove debris of covered property
• Your policy limit for covered property moved off-premises, for up to 30 days, to protect it from a covered cause of loss
• Fire department service charges (Not available in Arizona.)
• Actual cost to recharge fire extinguishers after their use in fighting a fire on your premises, and the cost to recharge fire suppression systems due to leakage or discharge at your premises and caused by a covered cause of loss (fire, for example)
• Extra operational expenses and loss of income after an insured loss
• Lock repair or replacement if keys are stolen in an insured theft loss
• Refrigerated food spoilage if caused by an off-premises power failure
• Arson reward (Not available in New York.)
• Pollution cleanup due to a covered cause of loss
• Loss of the undamaged portion of a building which must be demolished, demolition costs, and increased cost of construction, due to enforcement of building ordinances

*These extensions are excess over any other insurance that applies to the loss (homeowners insurance, for example). We cover the deductible of the other insurance and the amount of the loss that is not covered by other insurance, subject to the limit specified in your policy.