Coverage Types

Ordinance or Law Coverage

Coverage for additional costs to comply with current building codes when rebuilding after a covered loss.

This coverage pays for extra costs when local building codes require upgrades during reconstruction. It's especially important for older homes that may not meet current standards.

Related Terms

Dwelling Coverage

Insurance coverage that protects the physical structure of your home, including attached structures.

Replacement Cost

The amount it would cost to replace damaged property with new property of similar kind and quality, without deducting for depreciation.

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