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The document organizes the agreement, definitions, deductibles, and core coverages including dwelling, personal property, and loss of use. It further lists additional coverages, exclusions, conditions, and loss settlement methods such as replacement cost and depreciated settlement. It also covers liability coverages, limits of liability, duties after loss, appraisal, other insurance, and claim-related expenses and procedures.","This policy is one of the broadest forms available today, and provides you with outstanding value for your insurance dollars. However, we want to point out that every policy contains limitations and exclusions. Please read your policy carefully, especially“Losses Not Insured” and all exclusions.  \nState Farm®  \nHomeowners Policy  \nOklahoma  \nHW-2136  \nHOMEOWNERS POLICY TABLE OF CONTENTS  \nAGREEMENT ................................................................. 1  \nDEFINITIONS ................................................................. 1  \nDEDUCTIBLE .................................................................5  \nSECTION I – PROPERTY COVERAGES ......................5  \nCOVERAGE A – DWELLING.....................................5  \nDwelling...............................................................5  \nOther Structures..................................................5  \nProperty Not Covered..........................................5  \nCOVERAGE B – PERSONAL PROPERTY ...............5  \nProperty Covered ...............................................5  \nSpecial Limits of Liability ....................................6  \nProperty Not Covered ..........................................6  \nCOVERAGE C – LOSS OF USE................................8  \nAdditional Living Expense ..................................8  \nFair Rental Value................................................8  \nProhibited Use.....................................................8  \nSECTION I – ADDITIONAL COVERAGES................8  \nDebris Removal..................................................8  \nTemporary Repairs.............................................9  \nTrees, Shrubs, and Landscaping .......................9  \nFire Department Service Charge........................9  \nProperty Removed .............................................9  \nCredit Card, Bank Fund Transfer Card, Forgery, and Counterfeit Money.........................9  \nPower Interruption............................................ 10  \nRefrigerated Products ...................................... 10  \nArson Reward................................................... 10  \nVolcanic Action................................................. 10  \nCollapse ........................................................... 10  \nLocks and Remote Devices.............................. 11  \nFuel Oil Release............................................... 11  \nTear Out ........................................................... 11  \nHome Certification............................................ 11  \nINFLATION COVERAGE ......................................... 11  \nSECTION I – LOSSES INSURED ................................ 12  \nCOVERAGE A – DWELLING................................... 12  \nCOVERAGE B – PERSONAL PROPERTY ............. 12  \nSECTION I – LOSSES NOT INSURED........................ 14  \nSECTION I – LOSS SETTLEMENT .............................18  \nCOVERAGE A – DWELLING...................................18  \nA1 – Replacement Cost Loss Settlement – Similar Construction ......................................... 18  \nA2 – Replacement Cost Loss Settlement – Common Construction...................................... 18  \nCOVERAGE B – PERSONAL PROPERTY .............19  \nB1 – Limited Replacement Cost Loss Settlement ........................................................ 19  \nB2 – Depreciated Loss Settlement...................19  \nSECTION I – CONDITIONS..........................................20  \nInsurable Interest and Limit of Liability ..............20  \nYour Duties After Loss ......................................20  \nLoss to a Pair or Set.........................................20  \nAppraisal...........................................................21  \nOther Insurance................................................22  \nSuit Against Us.................................................22  \nOur Option........................................................22  \nLoss Payment..............................","cbCaikLlvNGMYNp3","https://ap.wps.com/l/cbCaikLlvNGMYNp3","pdf",337550,8,"English","en",105,"# AGREEMENT\n# DEFINITIONS\n# DEDUCTIBLE\n# SECTION I – PROPERTY COVERAGES\n## COVERAGE A – DWELLING\n## COVERAGE B – PERSONAL PROPERTY\n## COVERAGE C – LOSS OF USE\n# SECTION I – ADDITIONAL COVERAGES\n# SECTION I – LOSSES INSURED\n# SECTION I – LOSSES NOT INSURED\n# SECTION I – LOSS SETTLEMENT\n# SECTION I – CONDITIONS\n# SECTION II – LIABILITY COVERAGES\n# SECTION II – ADDITIONAL COVERAGES\n# SECTION II – EXCLUSIONS\n# SECTION II – CONDITIONS","[{\"question\":\"What major sections are included in the policy table of contents?\",\"answer\":\"The table of contents lists agreement, definitions, deductible, Section I property coverages, additional coverages, insured and not insured losses, loss settlement, and Section I conditions. 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It also includes Section II liability coverages, additional coverages, exclusions, and conditions.","Answer",{"name":127,"@type":122,"acceptedAnswer":128},"How does the table of contents describe loss settlement options?",{"text":129,"@type":125},"It specifies Section I loss settlement with dwelling and personal property provisions, including replacement cost loss settlement options and a depreciated loss settlement, as well as limited replacement cost loss settlement.",{"name":131,"@type":122,"acceptedAnswer":132},"Which liability-related items are listed in Section II?",{"text":133,"@type":125},"Section II lists liability coverages including personal liability and medical payments to others, along with additional coverage items such as claim expenses and first aid expenses.","https://schema.org",{"og:url":95,"og:type":136,"og:title":59,"og:site_name":107,"og:description":60},"article",{"robots":138,"canonical":95},"index,follow",{"doc_id":55,"site_id":69},1791343830]