covers the dwelling, structures attached to that dwelling (such as a garage, carport, or breezeway), and fixtures permanently attached to the house (such as a furnace, wood burning stove, plumbing fixtures, built-in air conditioning system, and certain kitchen appliances). As you can see in the example above, the premium for dwelling coverage includes the premiums for most of the other coverages. That premium will depend upon many factors, including the replacement value of the house, its construction, the deductibles selected, and location. The insurer will pay the necessary medical expenses incurred within three years from the date of an accident causing bodily injury, including charges for medical, surgical, x-rays, dental, ambulance, hospital, nursing, prosthetic devices, and funeral services. This coverage does not apply to the insured or to regular residents of the insured's household, except residence employees. The coverage does apply to other persons on an insured location with permission of the insured, and to persons off the insured location if the injury is caused by the activities of an insured or caused by an animal owned by the insured. $1,500 on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps. This dollar limit applies to these categories regardless of the medium (such as paper or computer software) on which the material exists. This limit includes the cost to research, replace or restore the information from the lost or damaged material. $2,500 for loss by theft of silverware, silverplated ware, goldware, gold-plated ware, platinumware, platinum-plated ware and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter.