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Exceptional protection for exceptional homes. |
Now, a better way to protect your home and property.
Standard homeowners insurance may be adequate for most home,
but finer homes require special coverage.
That's why we created Fairmont
SpecialtySM Excel®.
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Fairmont SpecialtySM Excel is one of the
most comprehensive homeowners policies available. It provides
the
extra protection
you need for
your home and property. So you can be sure the things you
value most are properly covered.
There's no comparison.
Fairmont SpecialtySM
Excel covers your home and furnishings, as well as
personal property such as jewelry and artwork. It also
provides personal liability coverage.
NO STANDARD HOMEOWNERS POLICY MATCHES
THE PROTECTION FAIRMONT SPECIALTY EXCEL GIVES YOU:
- Broader Coverage
- Fairmont
SpecialtySM Excel offers more types of coverage,
including many that a traditional policy either
limits or leaves out entirely.
It also protects you against more types of losses.
- Higher Limits
- Fairmont
SpecialtySM Excel special personal limits are higher than a traditional
policy's. And your coverage automatically increases to
keep pace with inflation.
- YOU CAN COUNT ON FAIRMONT SPECIALTY
EXCEL FOR COVERAGE THAT GOES WELL BEYOND THE ORDINARY.
- It Guarantees The Replacement Of Your Home
- Fairmont
SpecialtySM Excel covers the cost of replacing your home, even
if it exceeds the amount of coverage you carry on your
home. And if you want to rebuild elsewhere or decide not
to rebuild at all-it's no problem. Fairmont
SpecialtySM Excel sill pays
the full replacement value.
- It Pays for the Replacement of Your Personal Property
- Fairmont
SpecialtySM Excel also covers the cost of
replacing your personal property. Again, you will
receive the full replacement
value-not the depreciated value-even if you prefer not
to replace the property.
- It Pays For Your Living Expenses
- If your home has been damaged and you can't live in it
while it's being repaired, Fairmont
SpecialtySM Excel will cover your reasonable
living expenses for up to one year. Fairmont
SpecialtySM Excel also gives
you the option of having this coverage extended beyond
one year.
Your Fairmont SpecialtySM Excel policy can be tailored to your special
needs. You have a variety of options that can expand your
coverage even more. Ask you agent for details.
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A comparison of coverages...
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Coverage
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Traditional Protection
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Fairmont SpecialtySM Excel
Protection
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| Money, including coins, bank notes and precious metals |
$200 |
$1,000 |
| Securities, manuscripts and stamps |
$1,000 all categories combined |
$5,000 each category |
| Watercraft, including outboard motors and trailers,
furnishings and equipment |
$1,000 |
2% of Coverage C up to $5,000, but not less
than $1,500 |
| Trailers (not used with watercraft) |
$1,000 |
2% of Coverage C up to $5,000, but not less
than $1,500 |
| Jewelry, watches, furs, precious and semiprecious stones |
$1,000 |
3% of Coverage C up to $10,000, but not less
than $3,000 |
| Silverware, goldware |
$1,000 |
5% of Coverage C up to $15,000, but not
less than $3,000 |
| Firearms |
$2,000 |
4% of Coverage C up to $10,000, but not
less than $3,000 |
| Business property at residence |
$2,500 |
$5,000 |
| Business property away from residence |
$250 |
$1,000 |
In addition, Fairmont
SpecialtySM Excel provides you with
additional coverages that a traditional policy either
limits or excludes completely. |
| Electronic apparatus in a vehicle while away from the
residence and which operates the vehicle |
$1,000 |
$2,000 |
| Jewelry, silverware and securities within a bank vault |
$1,000 |
$50,000 |
| Loss due to stolen credit of funds transfer
cards, or due to receiving forged checks or counterfeit
money |
$500 |
$10,000 |
| Lock replacement |
not covered |
$500 (no deductible) |
| Spoiled refrigerator contents due to electrical interruption |
not covered |
$500 (no deductible) |
| Voluntary payment for damage to property of others |
$500 |
$1,000 |
| Reward coverage. To cover expense and reward money
to recover stolen property |
not covered |
5% of the value of the recovered property
($2,000 maximum) |
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