Those look like sub-limits except for the equipment breakdown.
Other structures/dwelling extensions is typically 10% of the Coverage A limit (264,000?). Read the policy it may be fences and the like as well. Like i said its normally a limit and 10% is standard - it doesn't cost you anything unless its increased.
Additional living expenses - again a limit - Got any idea how much it cost to rent a furnished dwelling for say a year if your house burns down, that's probably not enough.
Personal liability - this fairly self explanatory, does she have a PLUP?
Water leakage - again this looks like either a sub-limit or an additional coverage for an otherwise excluded peril.
Fungi - again this looks like either a sub-limit or an additional coverage for an otherwise excluded peril.
Equipment breakdown - this covers things like A/C failures etc. It is an optional coverage in all cases i'm aware of, depending on cost and terms you may want to look at that.
If she doesn't have ID (Increased dwelling - AKA inflation) and OL (Ordinance and Law) she should.
You need to sit down with the agent and have a talk and not listen to oil guys though, because clearly there are some that have no idea.
Other structures/dwelling extensions is typically 10% of the Coverage A limit (264,000?). Read the policy it may be fences and the like as well. Like i said its normally a limit and 10% is standard - it doesn't cost you anything unless its increased.
Additional living expenses - again a limit - Got any idea how much it cost to rent a furnished dwelling for say a year if your house burns down, that's probably not enough.
Personal liability - this fairly self explanatory, does she have a PLUP?
Water leakage - again this looks like either a sub-limit or an additional coverage for an otherwise excluded peril.
Fungi - again this looks like either a sub-limit or an additional coverage for an otherwise excluded peril.
Equipment breakdown - this covers things like A/C failures etc. It is an optional coverage in all cases i'm aware of, depending on cost and terms you may want to look at that.
If she doesn't have ID (Increased dwelling - AKA inflation) and OL (Ordinance and Law) she should.
You need to sit down with the agent and have a talk and not listen to oil guys though, because clearly there are some that have no idea.