Debris removal: the expense is included in the limit of liability that applies to the damaged property. It is not extra insurance, so when the damage uses the whole limit nothing remains for debris. The dwelling forms do not have the additional 5% found in homeowners forms.

Property removed: covered property is protected against direct loss from any cause while removed from premises endangered by an insured peril, for up to 5 days under the DP-1 and up to 30 days under the DP-2 and DP-3. It does not increase the limit. Do not confuse it with the separate 30-day period when property is moved to a newly acquired principal residence.

Ordinance or law: the DP-2 and DP-3 let the owner use up to 10% of the Coverage A limit for increased costs required by ordinance or law, as additional insurance (10% of Coverage B if the location has no Coverage A). The DP-1 has no such grant; it simply excludes ordinance or law.

California: a policy that pays only actual cash value, with no replacement cost or code upgrade coverage, is exempt from the 10% code upgrade requirement (Section 10103(e)(1)). But a policy without this coverage must state on the declarations page, in at least 10-point type, "THIS POLICY DOES NOT INCLUDE BUILDING CODE UPGRADE COVERAGE." (Section 10103(e)(3)).