Ed Ritter Insurance Agency
Habitational Insurance
Established in 1988,the Ed Ritter Agency, is a multi-line insurance agency, providing personalized insurance coverage for families and businesses in Huntington Beach, Dana Point, Laguna and Newport,CA and throughout California. We represent some of the finest insurance carriers in the nation, and pride ourselves in providing...
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Habitational Coverage Summary
Typical Property Coverages Basic Package Limits Enhanced Package Limits
Business Income (Rents)(Apts Only) $50,000* Actual loss sustained if building amount is $25M or less.
Association Fees & Extra Expense (condos Only) $100,000* $100,000*
Accounts Receivable $5,000* $5,000*
Arson Conviction Reward $5,000 $5,000
Building Ordinance or Law Cov. A—Covered
Cov. B—$25,000*
Cov. C—$10,000*		 Cov. A—Covered
Cov. B—$50,000*
Cov. C—$25,000*
Computer Equipment $5,000* $10,000*
Debris Removal Covered Covered
Equipment Breakdown Not Covered Included
Extended Replacement Cost Covered Covered
Fire Department Service Charge $1,000 $1,000
Fire Extinguisher Recharge $2,500 $2,500
Glass Included Included
Master Key $100/$5,000 $100/$10,000
Newly Acquired Buildings $250,000 $250,000
Outdoor Signs $2,500* $7,500*
Pollutant Cleanup $10,000 $10,000
Specified Property (Pools, Fences, Walls & Walkways) $2,500* $5,000*
Valuable Papers and Records $5,000* $5,000*
Crime Coverages Basic Package Limits Enhanced Package Limits
Employee Dishonesty $5,000* $10,000*
Money and Securities - Inside/Outside $5,000* $10,000*
Forgery and Alteration $2,500 $10,000
Liability Coverages
Limits
Premises/Operations
$500,000 per Occurrence
Products/Completed Operations
Included
Premises/Operation Aggregate:
2 x Liability and Medical Expense Occurance Limit
Products/Completed Aggregate:
1 x Liability and Medical Expense Occurance Limit
General Aggregate:
2 x Liability and Medical Expense Occurance Limit
Personal Injury
Included
Advertising Liability
Included
Contractual Liability
Included
Employees as an Insured
Included
Tenants Liability (Apt./Condo)
$75,000
Medical Expenses $5,000 per person/$25,000 per occurance
Parking Area Liability
Included
 
* Higher limits available