EFTA01221714.pdf

PRIVATE CLIENT SELECT') a division of Risk Specialists Companies Insurance Agency, Inc. dn:da RSCIA in NH. UT & VT 300 South Riverside Plaza Chicago. Il 00606 Lexington Insurance Company Issuing Company Renewal Declarations Page THE INSURER IS NOT LICENSED IN THE STATE OF NEW YORK AND IS NOT SUBJECT TO ITS SUPERVISION. Your Declarations Page shows at a glance the coverage you have and your premium. Your Declarations Page is part of your policy. Please read your policy carefully, Including your Declarations Page and any attached Endorsements, for a description of your coverage. Policy Number 005427401 Period: 05/16/2011 to 05f15/2012 Renewal Of: 004437478 At 12:01 A,P4 standard time at your mailing address shown below Name of Insured and Mailing Address: Agency Name, Address, Phone Number & Code: LS.J, LLC & Jeffrey E.:Epstein Marshall & Sterling Insurance cro HBRK Associates Inc 5021 Anchor Way PO Box 400 Gallows Bay Marketplace New York, NY 10150 Christiansted,VI0 20.467I United States Of America The kind of losses that are covered and any special limits or deductibl that apply, are explained in detail in your Policy. Summary of Coverage by Location: Little St. James Island No. 6B, in Hous/St. Thomas, USV oo8ca COVERAGE PAYMENT BASIS COVFRAGE LIMIT House See Schedule Of Insurance Endorsement $2,815,000 Other Permanent Structures See Schedule Of Insurance Endorsement 37.032,000 Contents Replacement Cost $1,135,260 Additional Living Expense $844,500 Liability $0 Medical Payments SO Deductible: See Schedule of Insurance ()cation Premium: $182,093.00 Summary of Coverage by Location: Little St. James Island No. 6 , Mechanical Build g, St. Thomas, USV 00801 rOVERAGF PAYMENT BASIC COVFRAGELJMIT House Replacement Cost $3,234,000 Other Permanent Structures Replacement Cost 50 Contents Replacement Cost SO Additional Living Expense $0 Liability 50 Medical Payments 30 Deductible: See Schedule of Insurance Location Premium: $46,893.00 Summary of Coverage by Location: Little St. James Island No.6 , Office Pavilion, St camas, USV 00801 PCHO-DEG- A (21091 EFTA01221714  SCHEDULE OF INSURANCE With respect to coverage provided by this endorsement all provisions and conditions of the policy apply unless they are changed by this endorsement_ The Declarations Page is amended to further define location one as follows: Location: Little St. James Island, No. 68, St Thomas USVI 00801 COVERAGE PAYMENT BASIS COVERAGE AOP WINDSTORM LIMIT DEDUCTIBLE DEDUCTIBLE House — consists of the main house, kitchen, great room, theatre, office. Replacement Cost $2,815,000 $2.500 $281.500 and laundry room Contents Replacement Cost $1,135,260 $2,500 $113.526 OTHER PERMANENT STRUCTURES Master Suite Replacement Cost $1,127,000 $2,500 $112,700 Bedroom Cottage 01 Extended Rebuilding Cost Children's Bedroom $637,000 $2,500 $53,700 Bedroom Cottage #2 Extended Rebuilding Cost $318,000 $2,500 $31,800 Bedroom Cottage #3 Extended Rebuilding Cost $318,000 $2,500 $31,800 with Caretaker's House Extended Rebuilding Cost $455,000 $2,500 $45,500 Office Gym Extended Rebuilding Cost $677,000 $2,500 $67,700 Large Workshop Extended Rebuilding Cost $600,000 $2,500 $80,000 Cottage Pool Replacement Cost $165,000 $2,500 $16,500 Hardscape throughout Extended Rebuilding Cost $1,500,000 $2,500 $150,000 Salt Pond Cabin Extended Rebuilding Cost $24,000 $2,500 $2,400 Blue St. John's Flagpole Extended Rebuilding Cost $80,000 $2,500 $8,000 House St. John's Light Blue Extended Rebuilding Cost $58,000 $2,500 $5,800 Large Beach Cabana Small Beach Cabin Extended Rebuilding Cost $30,000 $2,500 $3,000 lid House Extended Rebuilding Cost $61,000 $2,500 $6,100 Massage Cabana near Extended Rebuilding Cost lid House $15,000 $2,500 $1,500 Helicopter Pad Shelter Extended Rebuilding Cost $48,000 $2,500 $4,800 Dock Extended Rebuilding Cost $608,000 $2,500 $60,800 Flagpole 02 with Extended Rebuilding Cost $61,000 Generator House $2,500 $6,100 Courtyard Fountain Extended Rebuilding Cost $45,000 $2,500 $4,500 Flag Pole Extended Rebuilding Cost $12,000 $2,500 $1,200 Dive Bead) Cabana Extended Rebuilding Cost $245,000 $2,500 $24,500 Si Johns Massage Extended Rebuilding Cost Cabana $15,000 $2,500 $1,500 Captain's Office Extended Rebuilding Cost _ $33000 $2,500 $3,300 g Arks PCH- MAN (04/2011) EFTA01221715 COYERAGE BAYME I House Replacement Cost 52,732,000 Other Permanent Structures Replacement Cost SO Contents Replacement Cost SO Additional Living Expense SO Liability SO Medical Payments SO Deductible: See Schedule of Insurance Location Premium: $39,614.00 Summary of Coverage by Location: Little St. James Island No. 68, Generator Building, St. Thomas, USV 00801 COVERAGE PAYMENT BASIS House Replacement Cost Other Permanent Structures Replacement Cost Contents Replacement Cost SO Additional Living Expense SO Liability SO Medical Payments SO Deductible: See Schedule of Insurance Location Premium: 556.400.00 Forms and Endorsements Attached for Location: PCHO-CARIBB (02/08). PCHO - ECE (8)00). PCHO - WPD (WOO); PCHO-ADIN (6/00). PCHO-ERCC (09/06). PCHO-WINDCOV (02/08). PCHO-ESOS (8/00). PCG-S-LE (12/10) 78052 (01/11) Premium Figures E:cclude Surplus Lines Taxes and Fees. Total Premium: $325,000.00 PC91O-DEC- A (2109) EFTA01221716 For the purposes of the above location only. PART II — PROPERTY, Payment of loss, Item 3. Deductible is deleted in its entirety and replaced by the following: 3. Deductible We will pay only that part of the covered loss that exceeds the windstorm percentage deductible stated in this endorsement. This deductible applies to loss caused directly or indirectly by windstorm regardless of any other cause or event contributing concurrently or in any sequence to the loss. No other deductible provision in the policy applies to loss caused by windstorm. Your windstorm deductible applies in the following manner. If windstorm damages the House, Other Permanent Structures, and Contents the windstarn deductible for the House applies. If windstorm damages Contents anywhere on the property, the House windstorm deductible ksted in this endorsement applies. If windstorm damages Other Permanent Structures, but there is no damage to the House or the damage to the House is below the House windstorm deductible, the deductible for each affected Other Permanent Structure listed in this endorsement applies separately. PART l— DEFINITIONS, Other Permanent Structures is deleted and replaced by the following: Other Permanent Structures means outdoor structures you own that are situated on the grounds of your residence. This includes hardscape such as driveways, fountains, underground irrigation systems, decorative pools, terrace-s, patios, retaining walls, walkways, fencing, gates. and unattached decks. P01- MAN (04/2011) EFTA01221717  EFTA01221718 1••.= ••••••• FN. Oda 4.••••• •••••• i•P••••1. pia 3•44.0 1•144.%••••• Colopli• i•••••• •••••=1•1 YEN.. INS /MIN ••••••••• •Ii.••••• ..... MO.% 1.01•1 •••...... ....... MIN, ..". ••,••••/ 1••••• =tr. =I: ild••••t• *UM ::.....•••• IN= Yana.. •OPPI ...........• Men Win vain 'MIN NUM = r .• ...":"... I•••••• NM.. Sin WIMP .•1641. :V.:: ••••••.• iflak• .•••.. MpOn MY Ws. ry Me vow. •••• ..... .. — at OM P••• •••••• ird we. NM .1I••• •I••• ::: Mani Mei MIS MIPS WM. MI= Nina MS ••••••• ON. Jai= •••••• res.m.••••••• 110•1•10 Mb. MS... MCC. ••••••• WISP* •••••••••• •••••••wwM•.••••• .16.1.1 WM. 4.40, 10 Y.. Mat IOU O. MEI ••••• 0••• eine Ye MOO MP WM • OHMS 1.•••••.• Lower lever 567 Main Level 567 Total 1134 Main Level 512 Total 512 1 605.82 2 200.83 Total 806.65 Basement 500.5 Main Level 3277.5 Total 3778 Main Level 819 Pool Equipment Room 144 Pool Including Deck 3828 Total 4791 Mech & Desal 9200 Total 9200 Kitchen, Laundry, Main H 32307 Total 32307 Slab Only 3200 3200 55728.65 EFTA01221719  EFTA01221720 LOT COVERAGE CALCULATION NACU A- VOGL AlltIMISCRES tkAfOrApyjr.15:SASS 41SNIS Al mut Als4NA 7.VAAL A.I FACVLSOXVII MA! AI MOW lweitlitSs iflOfM 101.M.titUISASSOCIICXIIASS tAtilINGISRUCISALS LIFO' AA MOS, Mir A.) IflUossashl FFM la• OM BEACH SISSRLICIN Al MAHAL CadfirAnOstANAsA _knor AL 101SL ISCS:LWAIMUTUISS P 209M•30Aan) COIN. PROPOSED& SWISS/ STUMM 4.0.1m0ASSAVoSissACA %%SAMS Moos) OPPISPACEASSAAISAHMACli ellI. :MAL AliCAZUFACIS IROSOSIDSSUCIVIAS FI atI,Mninot tax r TOTAL norosansnunais RAW unno %airmails 72)V 113 SCRICINCVlait ▪ OfAO!CASANA 221I1 AA MTN rAiuSsA ▪ LOOSOUTVASSAXIS of,"%ammosourwas Tar MAL SIONSIDS MMHG SIRIX11.11.0 w+rwonausl 4.0MCCLTANCYCOVERAGE OPIOSISMI. MCA &ft XCINIMA. 2:Lasso:ram% PPACILC TOMMLA CASSIUS slatilOSSIIsuCRSSA C4 AVYAWL umre 7011ALmoron° traumas vasmiusnwsnnos IOW it• C4 SiORKSCUC !CO 1. CA UWE SHELLS 1.208 IS CA WORKSROCAOSAI A MOM& SO/ AMOS ISM CA SWF HCCIA LSaPSLOti Cl. Itkill MSS HAW.ISITIVO STRUCTSISS ~La ^' MONIS WS. VSVSKCONSMCIP3t4 WIN NXSTHOCZNI tuo CI >4204ANICALSUILD244 wain. ADO(fCNS CA HAN I.OLTSSISCLUISSIO SSAASIM Ca OFTICCMCILIUX KCAL MAMMA UAW Is CSUIACXANIKWIKIN IOTAAISCIKM.06 basins° A n4Usirrso SSW MP ASACISS1 AOTOISUFANCIr orl Aot. IOSSACRESCSM) ortz4smcsAPZA L IOACOTM  LOT COVERAGE CALCULATION PARCEL A - TOTAL AREA 34.7 ACRES PROPOSED STRLIC:LRES AltatNA 6,500 te A- I rOGL 7,600 EP A-2 CNJS OVUM 3,5001P A-3 Mt:SIC ['At- J.110N 11O11At. PIZi,,POSO 7.6m) IY F2OSIING SIE4.UC I O&M; 1,400 W .A4 MI ;;UT .A-1 WINES,. ( iYM 1,890 EP 6501' A4 DIVE BEACH PAVILLION 250 93 A. NAT IJ Kt 013SE KVA I ION CARA.% A TOW. STRUCTLRIS 4,1908' 21790 fr (0.50 ACRES) TOTAL PROPOSED & INISITNCi STRUCWIDIS LIYI'OtX:U1'ANCS•t:UVE.RAGI ()PIN SPACE AREA & PERCENTAGE 36.2 ACRES 108.6%) PARCII - AREA 21.0 ACRES PROPOSED STRIXTURES IL I GI f Br CI ITTACI: 5,000 ft' TOT PRO pri5ppi si-pucy-0.75 5.000 (V E7CISTNG STRUCTURES E3-2 SCREEN C ADANA 226 0' 2250 B-3 BEACH CABANA 225W 9-4 (WPM CA IONA 920 0-5 LOOKOUT PAV:LLION 1O 1A EXISTINCt SIM: I —1 I: RES 1,595 IP IOTA:. PROPOSED 4ec EXISTING STRUCTURES 6,35 IP (0.15 ACRES) -LOT OCCUPANCY COVERAGE 12.ES ACRES (99%) OPEN SPACI- \REA& PERCITNTAGE PARCEL C TOTAL AREA I .14 ACRES Plt()IN NED S URI IC CURLS 1.320 fP C-I AIV GARAGE 1,370 W 'TOTAL PROPOSED STRUCTLRES EXISTING SCRUCtURES 11.300 C-7 WORKSHOP 300 IP C-3 STONE SHEL.r.t.R 3,308 ft' C4 WORKSHOP, LOCKER ROOM & RO metal* 1,300 IP 0-5 STAFF HOUSE (SEE BELOW ) C4 MAIN HOUSE 13,2013 TOTAL EXISTING STRUCTURES CZM PERMITS NEW & UNDER CONSTRUCTION WWI EXISTING t 9,200 IV C-i MECHANICAL BUILDINGS 32,307 fp CR MAIN HOUS E INCLU DING PERM ITTEDADDITIONS 1,100 I? C-9 OFFICE Mr ILION TOTAL PERMITTED& 4607 IP LIhU6RCONSTRIV TOEAI pROpOshu, EXISTING & PhitiVI:11.11D 63,135 its (LA5 ACRES) -LOT OCCUPANCY COVERAGE 1)35 ACRES (87.7%) OPEC SPACE AREA & WA EFTA01221721