Home Deductible Reimbursement (HDR)

You are eligible to recover your Home Deductible up to $2,500.

We will reimburse the enrolled Member for an eligible Loss that occurs during the Benefit Period to the Member’s Primary Residence or Personal Effects, equal to the deductible limit shown on the Member’s Home Insurance policy, up to a maximum of $2,500 per benefit, whichever is less. Only one (1) Home Deductible Reimbursement benefit will be paid per Loss occurrence, and only one (1) Benefit per Member will be paid per twelve (12) month membership period. Coverage is effective upon date of enrollment and will continue while you are actively enrolled in the plan and in good standing.

Home Deductible Reimbursement benefits do not apply if:

• 1. The Member does not maintain in force Home Insurance on the Member’s Primary Residence at the time of the Loss;;
• 2. The claim under the Member’s Home Insurance is not covered or has been denied by the Member’s Home Insurance company;
• 3. The Loss does not exceed the current Home Insurance deductible, or does not cause a payment to be made by the current Home Insurance carrier because the Loss to the Member’s Primary Residence and/or Personal Effects does not exceed the current Home Insurance deductible;
• 4. The Member’s Home Insurance company has waived the Home Insurance policy deductible or did not charge You a deductible for the Loss;
• 5. Another form of indemnity has reimbursed You for the deductible applied to the Loss; or
• 6. The Loss occurs prior to the start of the Benefit Period or after the Benefit Period ends.
• 7. This Home Deductible Reimbursement Benefit is excess to any other applicable indemnity program available for each Loss and will not apply if another form of indemnity has already reimbursed the Member for their homeowner’s deductible.

Exclusions:
A. We will not pay any Loss caused by or resulting from any of the following:

• 1. Delay, loss of market, loss of use or any other Loss not directly associated with the incident that caused the request including, but not limited to, Losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special or consequential damages arising out of the use of or inability to use the Member’s Primary Residence and/or Personal Effects;
• 2. Intentional or dishonest acts by: the Member or anyone else with an interest in the Member’s Primary Residence and/or Personal Effects; or the Members employees or authorized representatives, whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment;
• 3. Deterioration, hidden or latent defect or any quality in the Member’s Primary Residence and/or Personal Effects that causes it to damage or destroy itself; or
• 4. Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents.

B. We will not pay any Loss caused directly or indirectly by any of the following:

• 1. Seizures or destruction of the Member’s Primary Residence and/or Personal Effects by order of governmental authority;
• 2. War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind; or
• 3. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

Such Loss is excluded regardless of any other cause or event that contributes to the Loss, whether concurrently or in any other sequence.

C. What this benefit does not cover:

• 1. Any Loss involving liability or medical payments coverage provided for under the Member’s Home Insurance policy including, but not limited to, personal injury to others, personal injury to others injured on the Member’s property or damage to property of others;
• 2. Any Loss for loss of use as may be provided for under the Member’s Home Insurance policy for expenses incurred because the Primary Residence may be uninhabitable for a period of time following a Loss to the Primary Residence;
• 3. Any Theft of Personal Effects where visible signs of forced entry are not present, or mysterious disappearance;
• 4. Any Loss to a residence other than Member’s Primary Residence and/or to Personal Effects unless located at the Member’s Primary Residence;
• 5. Any Loss which occurred while the Member was not an active and paid Member of this membership plan;
• 6. Any Loss to property including traveler’s checks, tickets of any kind, negotiable instruments, cash or its equivalent, circulating currency, passports, documents, real property, animals, living plants, consumable items or items intended for commercial use; or
• 7. Any Loss or damage to motorized vehicles of any type or intricate parts of such vehicle, watercraft, aircraft, manufactured homes, mobile home trailers, commercial property, or structural items intended for storage, transport, display or habitation.

The obligations of the Provider of this benefit described herein are underwritten by an AM Best A rated carrier.

This summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please refer to the Terms and Conditions for complete forms, conditions, limitations, definitions, and exclusions.