A. Coverage A: Building Property - Additions and Extensions
Coverage A covers additions and extensions attached to and in contact with the dwelling by means of a:
  • Roof
  • Elevated walkway
  • Exterior rigid wall
  • Load-bearing interior wall (solid)
  • Stairway
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Adjuster Tip: REELS is a handy acronym you can use to remember this list. It is the first letter of each word listed.

At the policyholder's option, additions and extensions connected by any of these methods may be separately insured. For example, if two multi-unit apartment buildings are connected by a roof, the policyholder may purchase one policy for both buildings or two separate policies.

However, additions and extensions attached to and in contact with the building by means of a common interior wall that is not a solid load-bearing wall are always considered part of the dwelling and cannot be insured separately.