Endorsements & Optional CoveragesQuestion 435 of 474
An increased special limits endorsement differs from scheduling personal property because it:
a.Covers the listed items anywhere in the world
b.Insures each listed article for an appraised value
c.Raises the class sublimit without listing items
d.Removes the deductible from every theft loss
Explanation
An increased special limits endorsement simply buys a higher dollar cap for a whole class, such as jewelry or firearms, with no appraisal and no itemized schedule, and the coverage stays on the underlying policy's perils and deductible. Scheduling is the option that names each article and insures it for an appraised amount, which is why it is used for one unusually valuable piece.
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Related questions on this topic
- A personal umbrella policy is used to:
- On a scheduled personal property endorsement, each article that is listed is:
- A thief takes a $9,000 ring from a home insured on a standard unendorsed form. The most the policy will pay for that ring is:
- The personal property replacement cost endorsement changes how contents losses are settled, from:
- Water back-up and sump overflow coverage responds to which of these losses?
- An earthquake endorsement is needed because a standard homeowners form:
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