| Coverage Type | Basic Protection | Comprehensive Protection |
|---|---|---|
| Dwelling | Damage to the dwelling structure covered up to the Coverage A limit. Includes sublimits and exclusions for some types of property. | Same as Basic Protection |
| Other Structures | Damage to appurtenant structures covered up to 10% of the Coverage A limit. Includes sublimits and exclusions for some types of appurtenant structures. Coverage for swimming pools is limited to $3,000. | Same as Basic Protection with coverage for swimming pools increased to $25,000. |
| Personal Property | Damage to personal property covered up to 50% of the Coverage A limit. Includes sublimits and exclusions for some types of property. | Same as Basic Protection with sublimit coverage increased in several categories. |
| Loss of Use | Loss of Use coverage provided up to 20% of the Coverage A limit or $25,000 whichever is less | Loss of Use coverage provided up to 20% of the Coverage A limit or $100,000 whichever is less |
| Building Code Upgrade | Provides coverage for up to $10,000 if the dwelling meets the definition of earthquake hazard reduction. | Same as Basic Protection. |
| Loss Assessment | Provides coverage up to $10,000 for loss assessment. | Same as Basic Protection. |
| Deductibles | 5%, 7.5%, 10%, 15%, 20% and 25% deductibles available. Deductible applies separately for Coverage A, B, C and E. No deductible for Loss of Use Coverage. | Same as Basic Protection. |