Property Inclusions

The Property Policy covers the following:

  • Fire
  • Lightning
  • Windstorm
  • Smoke
  • Hail
  • Aircraft
  • Vehicle
  • Explosion
  • Riot & Civil Commotion
  • Vandalism & Malicious Mischief
  • Water Damage
  • Theft
  • Earthquake & Flood (annual aggregate)
  • Business Interruption
  • Contingent Business Interruption/Contingent Extra Expense - $10,000,000
  • Expediting Expense - $10,000,000
  • Extra Expense for all property damage if damage is caused by a covered cause of loss
  • Buildings in the Course of Construction (Additional premium will be incurred)
  • Electronic Data Processing Equipment & Media
  • Valuable Papers & Records
  • Accounts Receivable
  • Rental Value - $10,000,000
  • Collapse of building (does not apply to normal settling, shrinkage, cracking, bulging or expansion)
  • Automatic protection for newly acquired properties on both buildings and contents for a period of ninety (90) days
  • Loss of statuary, holy vessels, marble and fences
  • Loss by freezing, whether building is occupied or vacant (If building is vacant, due diligence must be exercised in maintaining heat. All equipment and appliances must be drained and water supply shut off.)
  • Joint Loss Provision
  • $500,000 Pollution clean-up (aggregate per location) if caused by a covered cause of loss
  • Improvements & Betterments
  • Non-gradual (sudden and accidental) loss from landslide, mudflow, earth sinking, rising or shifting
  • Off-Premise Service Interruption
  • Consequential Loss
  • Stained Glass Windows
  • Backup of Sewers and Drains
  • Personal Effects of Priests - $10,000. Excludes cash. (Higher limits are available for an additional premium charge.)