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For PEMCO homeowners policies, standard HO coverage does not include this kind of catastrophic event — but you could get it by calling PEMCO Agency for a specialty policy
Earthquake/Flood
This principle states that insurance is meant to restore you to your financial position before a loss—not better.
Indemnity
Which of Santa’s reindeer has the name of a female fox?
Vixen
For Washington and Oregon, homes with this type of roof are now ineligible for HO9 and DP policies, though existing customers with current policies are unaffected.
Wood-type shake or shingle
In both Washington and Oregon, a driver with multiple at-fault accidents or traffic violations within a certain period may face this type of rate adjustment.
Surcharge or increased premium
How many “la”s are in the song “Deck the Hall?
96
This change allows Washington new business HO4, HO7, HO9, and DP policies to be eligible with one property claim in the last five years, as long as it is not a non-weather water or mold claim.
Removal of the zero-claim restriction
What is the highest-grossing Christmas movie of all time?
How the Grinch Stole Christmas
This endorsement of property valuation guarantees the insurer pays the full amount needed to rebuild the home—even if costs exceed the policy limit.
Premier Extended Replacement Sheild
The idea of Santa Claus dressed in a red and white costume started as an advertisement by what beverage company?
Coca-Cola
This type of water loss—often confused with flood—is excluded under standard HO policies because it involves water pressuring through foundation walls.
Seepage/Groundwater Intrusion
What "secret ingredient" Aunt Bethany's Jello mold have?
Cat Food