Building Structure Reimbursement Extended Limits/Home Replacement Cost Guar.    
   
State Dwelling Amt. HRCG 1 HRCG 2 BSREL Cap %
Alaska       X 120%
Alabama (both companies)       X 120% not available on Select Value
Arkansas (all 3 companies)       X 125%
Arizona       X 120% AP&C - not available for Select Homeowner's policies
California       X AIC 150%   AI Standard 120%
Colorado       X 120%
Connecticut (both companies)    [1]   X 140%
Dist. Of Columbia       X 120%
Delaware       X 120%
Florida (both companies)       X 120%
Georgia Fire & Casualty       X 125%
Georgia Indemnity   X X X 125% not available on Select Value
Georgia AIC   X X     not available on Select Value
Georgia AP&C (company will start on 5/17/04)       X 125% not available on Select Value
Hawaii       X 120%
Iowa       X 120%
Idaho       X 120%
Illinois     X AIC X AI  120% not available on Select Value
Indiana       X 120%
Kansas       X 120%
Kentucky (all 3 companies)       X 120%
Louisiana       X 120%
Maryland       X 120%
Maine (AIC and AI)   X X    
Maine AP&C       X 120% not available on Select Value
Michigan       X 120%
Minnesota       X 120% not available on Select Value
Missouri       X 120%
Mississippi (All 3 companies)       X 120%
Montana       X 120%
North Carolina (both companies)       X - called 125% CAP on IS screen 125%
North Dakota       X 120% not available on Select Value
Nebraska       X 120%
New Hampshire (AIC and AI)   X X     not available on Select Value
New Hampshire AP&C       X 120% not available on Select Homeowners
New Jersey       X 120%
New York       X 125% not available on Select Value
New Mexico       X 120%
Nevada       X 120% AP&C - not available for Select Homeowner's policies
Ohio       X 120%
Oklahoma - AIC, AI, AP&C       X 120% AP&C - not available for Select Homeowner's policies
Oklahoma - AVPIC       X 120% or 140%, availability based on zip code Not available for policies with Select Value or Dwelling in the Course of Construction endorsements.
Oregon       X 120%
Pennsylvania       X 120%
Rhode Island       X 120%
South Carolina (all 3 companies)       X 120% not available on Select Value
South Dakota       X 120% not available on Select Value
Tennessee (all 3 companies)       X 120%
Texas  X        
Utah       X 120% AP&C - not available for Select Homeowner's policies
Virginia       X 120%
Vermont   X[2]   X  
Washington       X 120%
Wisconsin       X 120%
West Virginia       X 120%
Wyoming       X 120%
HRCG 1 - Guaranteed full replacement cost, regardless of the policy limits in effect, for property                        
                  covered under Coverage A Dwelling Protection.
HRCG 2 - Guaranteed full replacement cost, regardless of the policy limits in effect, for property
                  covered under Coverage A Dwelling Protection, and for detached garage covered
                  under Coverage B Other Structures Protection, where applicable. 
BSREL - The optional endorsement provides coverage up to a  % of the limit of liability
                  to Coverage A Dwelling Protection or Coverage B Other Structures Protection.
·         California  150 %
·     Connecticut  150 %
·         Arkansas, North Carolina and New York 125 % (Called Excess Dwelling
Coverage)
·         All other BSREL states 120 %
Texas – Dwelling Amount  
[1]
Felice Ferguson:
Home Replacement Cost Guarantee (HRCG) coverage option will be removed and the Building Structure Reimbursement Extended Limits (BSREL) coverage option will be added.  This is scheduled to be implemented on 5/19/03.  (6/18/03 NB Effective date  7/3/03RZ Effective date).





[2]
Felice Ferguson:
Home Replacement Cost Guarantee (HRCG) coverage option will be removed and the Building Structure Reimbursement Extended Limits (BSREL) coverage option will be added.  This is scheduled to be implemented on 6/30/03.