SPC - North Star Mutual
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Optional Coverage SPC
(1-13)
SPECIAL PACKAGE OF COVERAGES
INCIDENTAL PROPERTY COVERAGES
The following change is made under Incidental Property Coverages of the General Policy Provisions.
$500
Outdoor Antenna Coverage - Item 9. Outdoor Antenna Coverage under Incidental Property Coverages
of the General Policy Provisions is amended to read:
If "you" have purchased Coverage A – Dwelling or Coverage C – Household Personal Property, "we" will
pay up to $500 per "occurrence" for direct loss by perils insured against to outdoor antennas and satellite
dishes including their lead-in wiring, accessories, masts or towers.
The following are added under Incidental Property Coverages of the General Policy Provisions.
$250
Fences Coverage - "We" pay up to $250 per "occurrence" for direct loss by perils insured against to
fences which are incidental to the "residence". This does not include fences which are incidental or usual to
any "business" or "farming operation".
$250
Added Perils for Refrigerated Food Products - "We" extend Coverage C – Household Personal Property
to cover the contents of a freezer or refrigerated unit on the "insured premises". "We" pay no more than
$250. The covered contents must be owned by "you". The loss must be caused by change in temperature
resulting from:
1. interruption of electrical service to refrigeration equipment; or
2. mechanical or electrical breakdown of the refrigeration system.
$500
Outside Wiring and Supports Coverage - "We" pay up to $500 per "occurrence" for direct loss by perils
insured against to electric or telephone equipment and transmission wires and their supports outside of
buildings. This includes overhead and underground electric equipment. This equipment must belong to
"you" and must be located on the "insured premises".
All "terms" not specifically changed by this optional coverage remain the same.
SPC (1-13)
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