Special loss settlement conditions apply to a single-family dwelling that is:
- A manufactured or mobile home or travel trailer
- At least 16 feet wide when fully assembled and has an area of at least 600 square feet within its perimeter walls when fully assembled
- The policyholder’s principal residence
If the dwelling is totally destroyed or damaged the extent that it is not economically feasible to repair to at least pre-damage condition, the policy pays the least of the following:
- The lesser of the replacement cost of the dwelling or 1.5 times the Actual Cash Value
- The building limit of liability shown on the Declarations Page