REIN Ultimate Insurance Program

Coverage Chart For Investor Guard Policies

Coverage Description

Deductible

Amount of Insurance

“All Risks” Form Building & Contents $1,000
Guaranteed Replacement Cost Coverage
(with Bylaws limited to $100,000)
Included
Permission for Vacancy – up to 120 days $1,000 Included
Building Bylaws — Blanket Limit $1,000 Included
Extended Rental Income – 24 month indemnity $1,000 Actual Loss Sustained
Vandalism by Tenants $1,000 $50,000
Sewer and Drain Backup $2,500 Included
Minimum Deductible for any Water Damage Claim $2,500 Included
Flood Extension $10,000 Included
Ice Damming Extension $1,000 Included
Disappearing Deductible – losses over $10,000 (except flood, earthquake, sewer back-up or hail claims) Nil Included
Earthquake
Varies by Location
Included
Landlord Contents in Furnished Suites $1,000 Optional
Mortgage Rate Protection $1,000 Included
Power Surge Extension $1,000 $25,000
Master Key Coverage $1,000 $25,000
Accounts Receivable $1,000 $25,000
Debris Removal $1,000 $25,000
Exterior Building Glass $1,000 Included
Extra Expense $1,000 $50,000
Fire Fighting Expenses $1,000 $25,000
Growing Plants, Trees, Shrubs or Flowers in the open $1,000 $10,000
Inflation Protection $1,000 Included
Land and Water Pollution Clean Up Expenses $1,000 $10,000
Newly Acquired Locations – Buildings – 90 Days $1,000 $1,000,000
Off Premises Service Interruption $1,000 $25,000
Personal Property of Officers and Employees $1,000
$2,500 any
one/$25,000
Professional Fees $1,000 $25,000
Signs $1,000 $5,000
Transit $1,000 $10,000
Tear Out Protection $1,000 $25,000
Privacy Breach Expense Coverage Nil $25,000

Crime Coverages

Coverage A – Employee Dishonesty $1,000 $5,000
Coverage B – Loss Inside the Premises $1,000 $5,000
Coverage C – Loss Outside the Premises $1,000 $5,000
Coverage D – Money Orders & Counterfeit Paper Currency $1,000 $5,000
Coverage E – Depositors Forgery $1,000 $5,000
Coverage F – Computer Theft and Fund Transfer Fraud Coverage $1,000 $5,000

Commercial General Liability

Coverage A – Bodily Injury and Property Damage – Each Occurrence $1,000 $2,000,000
Coverage B – Personal and Advertising Injury Liability Nil $2,000,000
Coverage C – Medical Payments – any one person $1,000 $10,000
General Aggregate Limit Nil $5,000,000
Non-Owned Automobile Nil $2,000,000

Note: This is a summary only. Actual coverage will be subject to the terms and conditions of the insurance policy.