| Erie
and Niagara's Bed and Breakfast Program is based
on the Homeowner Policy and provides coverage
at a reasonable cost. This policy is intended
for the owner-occupied risk with exposures limited
to overnight guests and breakfast service. We
offer coverage for a maximum of nine guest rooms.
This policy automatically includes these
coverages:
- All risk coverage
on the building and Broad Form coverage on
the contents (Use the ML-3 Form)
- Increase of
contents to 60% of the residence amount
- $500 deductible
- Smoke Alarm
Credit
- $300,000 Comprehensive
Personal Liability (based on occupancy of
1-4 rooms)
- $1,000 Medical
Payments to others
- Personal Injury
Liability
- Products Liability
for food service
- Additional Living
Expense and/or Loss of Rents
Additional
Coverage Endorsement:
An additional coverage
endorsement is available to enhance coverage.
These coverages are packaged and carry a total
premium of ONLY $100. The coverages
are as follows:
- Increased Personal
Property Limitations
- Refrigerated
food (up to $500)
- Satellite antenna
coverage of $5,000
- Signs of $2,000
- Guest's Property
of $1,000 per room
- Valuable Papers
and records
- Money &
Securities of: $5,000 inside $2,000 outside
Optional
Coverages Available:
- Homeowner Plus
- Replacement
Cost Contents
- Increased Liability
and Medical Payments
Contact
an agent near you
for a price quote.
This web page provides a summary of coverages
and is not a statement of contract. All exclusions
and limitations found in the policy contract
apply.
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