Allstate Property and S Casualty InsuranceA Company HomeownersM Policy P Policy: L Issued to: E Effective:

D O C U M Allstate Property and Casualty Insurance Company The Company Named in the Policy Declarations A Stock Company----Home Office: Northbrook, Illinois 60062 E

APC220 N T Table of Contents Fire Department Charges ...... 11 Temporary Repairs After A Loss...... 11 Agreements We Make With You...... 2 Trees, Shrubs, Plants and Lawns...... 12 S Temperature Change...... 12 General Power Interruption ...... 12 Definitions Used In This Policy...... 2 Arson Reward...... 12 Insuring Agreement ...... 4 Collapse ...... 12 ConformityATo State Statutes...... 4 Land ...... 13 Coverage Changes...... 4 Lock Replacement...... 13 Policy Transfer...... 4 Continued CoveragMe After Your Death ...... 4 Losses We Do Not Cover Under Coverage A, Cancellation...... 4 Coverage B and Coverage C...... 13 Misrepresentation, Fraud or Concealment...5 What Law Will Apply ...... 5 Section I Conditions Where Lawsuits May Be BProught...... 5 Deductible ...... 16 Action Against Us...... 6 Insurable Interest and Our Liability ...... 16 Arbitration...... 6 What You Must Do After A Loss...... 16 Our Settlement Options ...... 17 Section I Your Property L How We Pay For A Loss...... 17 Our Settlement Of Loss ...... 19 Coverage A Appraisal ...... 19 Dwelling Protection E Abandoned Property...... 20 Property We Cover Under Coverage A...... 6 Permission Granted To You ...... 20 Property We Do Not Cover Under Our Rights To Recover Payment...... 20 Coverage A ...... 6 Our Rights To Obtain Salvage...... 20 Action Against Us ...... 20 Coverage B Loss To A Pair Or Set...... 20 Other Structures Protection Glass Replacement...... 20 Property We Cover Under Coverage B...... 6 No Benefit To Bailee...... 20 Property We Do Not Cover Under DOther Insurance...... 20 Coverage B ...... 7 Property Insurance Adjustment...... 20 Mortgagee...... 21 Losses We Cover Under Mold, Fungus, Wet Rot and Dry Rot Coverages A and B...... 7 ROemediation as a Direct Result of a Covered Water Loss...... 21 Coverage C Personal Property Protection Section II CFamily Liability and Property We Cover Under Coverage C...... 7 Guest Medical Protection Limitations On Certain Personal Property ....7 Property We Do Not Cover Under Coverage X Coverage C ...... 8 Family Liability ProUtection Losses We Cover Under Coverage C ...... 8 Losses We Cover Under Coverage X...... 22

Additional Protection Coverage Y Additional Living Expense ...... 10 Guest Medical Protection M Credit Card, Debit Card or Automated Teller Losses We Cover Under Coverage Y...... 22 Machine Card, Bank Fund Transfer Card, Check Forgery and Counterfeit Money...... 10 Additional Protection E Debris Removal...... 11 Claim Expense...... 22 Emergency Removal Of Property ...... 11 Emergency First Aid...... 22 NPage 1 T Damage To Property Of Others ...... 23 Agreements We Make With You We make the following agreements with you: Losses We Do Not Cover Under Coverage X and CoveSrage Y...... 23 General Section II Conditions What You Must Do After An Definitions Used In This Policy AccidentalALoss...... 25 Throughout this policy, when the following words What An Injured Person Must Do appear in bold type, they are defined as follows: Coverage Y Guest Medical Protection ...... 26 1. Bodily injury means physical harm to the Our Payment of Loss Coverage Y body, including sickness or disease, and Guest Medical ProMtection...... 26 resulting death, except that does Our Limits Of Liability ...... 26 bodily injury Bankruptcy ...... 26 not include: Our Rights To Recover Payment a) any venereal disease; Coverage X Family LiabPility Protection...... 26 b) Herpes; Action Against Us...... 26 c) Acquired Immune Deficiency Syndrome Other Insurance Coverage X (AIDS); Family Liability Protection...... 27 d) AIDS Related Complex (ARC); L e) Human Immunodeficiency Virus (HIV); Section III Optional Protection or any resulting symptom, effect, condition, Optional Coverages You May Buy E disease or illness related to a) through e) listed Coverage BC above. Building Codes ...... 27 Coverage BP In addition, bodily injury does not include any Increased Coverage On Business symptom, effect, condition, disease or illness Property...... 27 resulting in any manner from: Coverage DP a) lead in any form; Increased Coverage On Electronic b) asbestos in any form; Data Processing Equipment ...... 27 D c) radon in any form; or Coverage F Fire Department Charges ...... 27 d) oil, fuel oil, kerosene, liquid propane or Coverage G gasoline intended for, or from, a storage Loss Assessments...... 27 Otank located at the residence premises. Coverage J Extended Coverage On Jewelry, Watches 2. Building structure means a structure with and Furs ...... 28 walls and a roof. Coverage K C Incidental Office, Private School Or 3. Business means: Studio...... 28 a) any full- or part-time activity of any kind Coverage M engaged in for economic gain including Increased Coverage On Money...... 29 the use ofUany part of any premises for Coverage P such purposes. The providing of home day Business Pursuits...... 29 care services to other than an insured Coverage S person or relative of an insured person Increased Coverage On Securities...... 29 M Coverage SD for economic gain is also a business. Satellite Dish Antennas ...... 29 Coverage ST However, the mutual exchange of home Increased Coverage On Theft Of day care services is not coEnsidered a Silverware ...... 29 business; NPage 2 T b) the rental or holding for rental of property you acquire for your use as a private by an insured person. Rental of your residence while this policy is in residence premises is not considered a effect; Sbusiness when: 2) any part of a premises not owned by 1) it is rented occasionally for an insured person but where an residential purposes; insured person is temporarily living; 2) a portion is rented to roomers or 3) cemetery plots or burial vaults owned Aboarders, provided not more than two by an insured person; roomers or boarders reside on the 4) land owned by or rented to an residence premises at any one time; insured person where a single family or M dwelling is being built as that 3) a portion is rented as a private person’s residence; garage. 5) any premises used by an insured person in connection with the 4. Dwelling means the sPingle family building residence premises; structure identified as the insured property on 6) any part of a premises occasionally the Policy Declarations, where you reside and rented to an insured person for other which is principally used as a private than business purposes. residence. L 7. Occurrence means an accident, including 5. Insured person(s) means you and, if a continuous or repeated exposure to resident of your household: E substantially the same general harmful a) any relative; and conditions during the policy period, resulting in b) any person under the age of 21 in your bodily injury or property damage. care. 8. Property damage means physical injury to Under Coverage X Family Liability or destruction of tangible property, including loss of its use resulting from such physical Protection and Coverage Y Guest Medical injury or destruction. Protection, insured person also means: a) any person or organization legally D 9. Remediation means the reasonable and responsible for loss caused by animals or necessary treatment, removal or disposal of watercraft covered by this policy which mold, fungus, wet rot or dry rot as required to are owned by an insured person. We do Ocomplete repair or replacement of property we not cover any person or organization cover under Coverage A Dwelling using or having custody of animals or Protection, Coverage B Other Structures watercraft in any business, or without Protection or Coverage C Personal Property permission of the owner; ProtectCion damaged by a covered water loss, b) with respect to the use of any vehicle including payment for any reasonable increase covered by this policy, any person while in living expenses necessary to maintain your engaged in the employment of an insured normal standard of living if mold, fungus, wet person. rot or dry rot mUakes your residence premises uninhabitable. Remediation also includes any 6. Insured premises means: investigation or testing to detect, measure or a) the residence premises; and evaluate mold, fungusM, wet rot or dry rot. b) under Section II only: 1) the part of any other premises, other 10. Residence employee means an employee of an while performing duties structures and grounds used by you insured person arising out of and in the course of employment as a residence. This includes in connection with the maintenEance or use of premises, structures and grounds your residence premises. This includes NPage 3 T similar duties performed elsewhere for an located, the provisions are amended to conform to insured person, not in connection with the such statutes. business of an insured person. S Coverage Changes 11. means the , Residence premises dwelling When we broaden coverage during the premium other structures and land located at the period without charge, you have the new features if address stated on the Policy Declarations. A you have the coverage to which they apply. Otherwise, the policy can be changed only by 12. We, us or our means the company named on the Policy Declarations. endorsement. The coverage provided and the premium for the 13. You or your mMeans the person listed under policy is based on information you have given us. Named Insured(s) on the Policy Declarations as the insured and that person’s resident spouse. You agree to cooperate with us in determining if this information is correct and complete. You agree that if P this information changes, is incorrect or incomplete, Insuring Agreement we may adjust your coverage and premium In reliance on the information you have given us, we accordingly during the premium period. agree to provide the coverages indicated on the Policy Declarations. In return, you muLst pay the Any calculation of your premium or changes in your premium when due and comply with the policy terms coverage will be made using the rules, rates and and conditions, and inform us of any change in title, forms on file, if required, for our use in your state. use or occupancy of the residence premisesE. The rates in effect at the beginning of your current premium period will be used to calculate any change Subject to the terms of this policy, the Policy in your premium. Declarations shows the location of the residence premises, applicable coverages, limits of liability and premiums. The policy applies only to losses or Policy Transfer may not transfer this policy to another person occurrences that take place during the policy period. You The Policy Period is shown on the Policy without our written consent. Declarations. This policy is not complete without the D Policy Declarations. Continued Coverage After Your Death If you die, coverage will continue until the end of the This policy imposes joint obligations on the Named premium period for: Insured(s) listed on the Policy Declarations as the 1) Oyour legal representative while acting as such, but only with respect to the residence insured and on that person’s resident spouse. These premises and property covered under this persons are defined as you or your. This means that policy on the date of your death. the responsibilities, acts and omissions of a person 2) an insuCred person, and any person having defined as or will be binding upon any other you your proper temporary custody of your property person defined as you or your. until a legal representative is appointed and qualified. This policy imposes joint obligations on persons U defined as an insured person. This means that the Cancellation responsibilities, acts and failures to act of a person Your Right to Cancel: defined as an insured person will be binding upon You may cancel this policy bMy notifying us of the another person defined as an insured person. future date you wish to stop coverage.

Conformity To State Statutes Our Right to Cancel: When the policy provisions conflict with the statutes We may cancel this policy by mailinEg notice to you at of the state in which the residence premises is the mailing address shown on the Policy NPage 4 T Declarations. When this policy has been in effect for We do not cover any loss or occurrence in which any less than 60 days, and it is not a renewal with us, we insured person has concealed or misrepresented may cancel this policy for any reason by giving you at any material fact or circumstance. leastS10 days notice before the cancellation takes effect. What Law Will Apply This policy is issued in accordance with the laws of When the policy has been in effect for 60 days or the state in which the residence premises is located more, or if it isAa renewal with , may cancel this us we and covers property or risks principally located in policy for one or more of the following reasons: that state. Subject to the following paragraph, the 1) non-payment of premium; laws of the state in which the residence premises is 2) the policy was oMbtained by misrepresentation, located shall govern any and all claims or disputes in fraud or concealment of material facts; any way related to this policy. 3) material misrepresentation, fraud or concealment of material facts in presenting a If a covered loss to property, or any other occurrence claim, or violation of anPy of the policy terms; or for which coverage applies under this policy happens 4) there has been a substantial change or outside the state in which the residence premises is increase in hazard in the risk we originally located, claims or disputes regarding that covered accepted. L loss to property, or any other covered occurrence may be governed by the laws of the jurisdiction in If the cancellation is for non-payment of premium, which that covered loss to property, or other covered we will give you at least 10 days notice. If the occurrence happened, only if the laws of that cancellation is for any of the other reasons, weEwill jurisdiction would apply in the absence of a give you at least 30 days notice. contractual choice of law provision such as this.

Our mailing the notice of cancellation to you will be Where Lawsuits May Be Brought deemed proof of notice. Coverage under this Subject to the following two paragraphs, any and all policy will terminate on the effective date and hour lawsuits in any way related to this policy, shall be stated on the cancellation notice. Your return brought, heard and decided only in a state or federal premium, if any, will be calculated on a pro rata basis court located in the state in which the residence and refunded at the time of cancellation or as soon D premises is located. Any and all lawsuits against as possible. However, refund of unearned premium is persons not parties to this policy but involved in the not a condition of cancellation. sale, administration, performance, or alleged breach of thOis policy, or otherwise related to this policy, shall Our Right Not to Renew or Continue: be brought, heard and decided only in a state or have the right not to renew or continue the policy We federal court located in the state in which the beyond the current premium period. If we do not residence premises is located, provided that such intend to continue or renew the policy, we will mail persons areCsubject to or consent to suit in the courts you notice at least 30 days before the end of the specified in this paragraph. premium period. Our mailing the notice of nonrenewal to you will be deemed proof of notice. If a covered loss to pUroperty, or any other occurrence for which coverage applies under this policy happens Misrepresentation,Fraud or Concealment outside the state in which the residence premises is We may void this policy if it was obtained by located, lawsuits regarding that covered loss to misrepresentation, fraud or concealment of material property, or any other coverMed occurrence may also facts. If we determine that this policy is void, all be brought in the judicial district where that covered premiums paid will be returned to you since there loss to property, or any other covered occurrence has been no coverage under this policy. happened. E NPage 5 T Nothing in this provision, Where Lawsuits May Be Section I Your Property Brought, shall impair any party’s right to remove a state court lawsuit to a federal court. S Coverage A Action Against Us Dwelling Protection No one may bring an action against us unless there has been fullAcompliance with all policy terms. Property We Cover Under Coverage A: 1. Your dwelling including attached structures. Any action against us to which neither the Action Structures connected to your dwelling by only Against Us provision located in Section I Conditions a fence, utility line, or similar connection are nor the Action AgainstMUs provision located in not considered attached structures. Section II Conditions applies must be commenced within one year of the date the cause of action 2. Construction materials and supplies at the accrues. residence premises for use in connection with P your dwelling. If an action is brought asserting claims relating to the existence or amount of coverage, or the amount of 3. Wall-to-wall carpeting fastened to your loss for which coverage is sought, unLder different dwelling. coverages of this policy, the claims relating to each coverage shall be treated as if they were separate actions for the purpose of the time limit to Property We Do Not Cover Under commence action. E Coverage A: 1. Any structure including fences or other Arbitration property covered under Coverage B Other Any claim or dispute in any way related to this policy, Structures Protection. by an insured person against us or us against an 2. Land. insured person, may be resolved by arbitration only upon mutual consent of the parties. Arbitration 3. Satellite dish antennas and their systems, pursuant to this provision shall be subject to the D whether or not attached to your dwelling. following: a) no arbitrator shall have the authority to award punitive damages or attorney’s fees; Coverage B b) neither of the parties shall be entitled to OtheOr Structures Protection arbitrate any claims or disputes in a representative capacity or as a member of a Property We Cover Under Coverage B: class; and 1. Structures at the address shown on the Policy c) no arbitrator shall have the authority, without C Declarations separated from your dwelling by the mutual consent of the parties, to clear space. consolidate claims or disputes in arbitration. 2. Structures conUnected to your dwelling by only a fence, utility line, or similar connection.

3. Construction materials and supplies at the address of the residenceMpremises for use in connection with structures other than your dwelling. E NPage 6 T 4. Wall-to-wall carpeting fastened to building considered a part of two or more of the groups listed structures on the residence premises other below, the lowest limit will apply. These limitations than your dwelling. do not increase the amount of insurance under S Coverage C Personal Property Protection. The Property We Do Not Cover Under total amount of coverage for each group in any one Coverage B: loss is as follows: 1. Structures used in whole or in part for A 1. $50 Money, bullion, bank notes, coins and business purposes. other numismatic property, scrip, stored value cards and smart cards. 2. Any structure or other property covered under Coverage A DMwelling Protection. 2. $200 Property used or intended for use in a business while the property is away 3. Land. from the residence premises. This does not include electronic data 4. Construction materialsPand supplies at the processing equipment or the address of the residence premises for use in recording or storage media used with connection with the dwelling. L that equipment. 5. Satellite dish antennas and their systems, 3. $250 Theft of any recording or storage whether or not attached to building media while such property is away structures. from the residence premises, E whether or not it is used with electronic data processing equipment Losses We Cover Under Coverages A or in a business. Recording or and B: storage media includes, but is not We will cover sudden and accidental direct physical limited to: loss to property described in Coverage A Dwelling a) tapes; Protection and Coverage B Other Structures b) CDs, DVDs and other discs; Protection except as limited or excluded in this c) records; policy. D d) disks; e) reels; f) cassettes; Coverage C g) cartridges; or Personal Property Protection O h) programs. Property We Cover Under Coverage C: 4. $500 Theft of tools and their accessories. 1. Personal property owned or used by an insured person anywhere in the world. When 5. $1,000 CTheft of jewelry, watches, precious personal property is located away from the and semi-precious stones, gold other residence premises, coverage is limited to than goldware, silver other than 10% of Coverage C Personal Property silverware, pewter other than Protection. pewterUware, platinum other than platinumware and furs, including any 2. At your option, personal property owned by a item containing fur which represents guest or residence employee while the its principal vMalue. property is in a residence you are occupying. 6. $1,000 Property used or intended for use in a business, including property held as Limitations On Certain Personal Property: samples or for sale or delivery after Limitations apply to the following groups of personal sale, while the properEty is on the property. If personal property can reasonably be residence premises. This does not NPage 7 T include electronic data processing 16. $2,500 Theft of goldware, silverware, equipment or the recording or pewterware and platinumware. storage media used with that S equipment. Property We Do Not Cover Under Coverage C: 7. $1,000 Trading cards, subject to a maximum 1. Personal property specifically described and amount of $250 per card. A insured by this or any other insurance. 8. $1,000 Accounts, bills, deeds, evidences of debt, letters of credit, notes other 2. Animals. than bank notes, checks, cashier’s checkMs, traveler’s checks, passports, 3. Motorized land vehicles, including, but not securities, tickets, and stamps, limited to, any land vehicle powered or including philatelic property. assisted by a motor or engine. We do not cover any motorized land vehicle parts, equipment or 9. $1,000 Manuscripts, Pincluding documents accessories attached to or located in or upon stored on electronic media. any motorized land vehicle. We do cover motorized land vehicles designed for assisting 10. $1,000 Watercraft, includingLtheir attached the disabled or used solely for the service of or unattached trailers, furnishings, the insured premises and not licensed for use equipment, parts, and motors. on public roads subject to Limitations On Certain Personal Property, item 15. 11. $1,000 Trailers not used with watercrEaft. 4. Aircraft and aircraft parts. This does not 12. $1,000 Any motorized land vehicle parts, equipment or accessories not include model or hobby craft not designed to attached to or located in or upon any carry people or cargo. motorized land vehicle. 5. Property of roomers, boarders, or tenants not 13. $1,500 Electronic data processing equipment related to you. and the recording or storage media D used with that equipment whether or 6. Property located away from the residence not the equipment is used in a premises and rented or held for rental to business. Recording or storage others. media will be covered only up to: O a) the retail value of the media, if 7. Satellite dish antennas and their systems. pre-programmed; or b) the retail value of the media in Losses We Cover Under Coverage C: blank or unexposed form, if We will coverCsudden and accidental direct physical blank or self-programmed. loss to the property described in Coverage C Personal Property Protection, except as limited or 14. $2,000 Theft of firearms, their related excluded in this policUy, caused by: equipment, and accessories. 1. Fire or Lightning.

15. $2,500 Motorized land vehicles used solely 2. Windstorm or Hail. for the service of the insured M premises and not licensed for use on We do not cover: public roads. This does not include a) loss to covered property inside a building motorized land vehicles designed for structure, caused by rain, snow, sleet, assisting the disabled. sand or dust unless the wEind or hail first damages the roof or walls and the wind NPage 8 T forces rain, snow, sleet, sand or dust 11. Increase or decrease of artificially generated through the damaged roof or wall; electrical current to electronics, electrical b) loss to watercraft and their trailers, appliances, fixtures and wiring. Sfurnishings, equipment and motors unless inside a fully enclosed building structure. 12. Bulging, burning, cracking or rupture of a However, we do cover canoes and steam or hot water heating system, an air rowboats on the residence premises. conditioning system, an automatic fire A protection system or an appliance for heating 3. Explosion. water. 4. Riot or Civil ComMmotion, including pillage and 13. Water or steam that escapes from a plumbing, looting during, and at the site of, the riot or heating or air conditioning system, an civil commotion. automatic fire protection system, or from a household appliance due to accidental 5. Aircraft, including self-Ppropelled missiles and discharge or overflow. spacecraft. We do not cover loss to the system or 6. Vehicles. appliance from which the water or steam L escapes, or loss from water which backs up 7. Smoke. through sewers or drains or overflows from a sump pump, sump pump well or other system We do not cover loss caused by smokeEfrom designed for the removal of subsurface water the manufacturing of controlled substances, which is drained from a foundation area of a agricultural smudging or industrial operations. structure.

8. Vandalism and Malicious Mischief. 14. Freezing of a plumbing, heating or air conditioning system or a household appliance. We do not cover vandalism or malicious mischief if your dwelling has been vacant or We do not cover loss at the residence unoccupied for more than 30 consecutive days D premises under perils 12), 13), and 14) caused immediately prior to the vandalism or by or resulting from freezing while the malicious mischief. A dwelling under building structure is vacant, unoccupied or construction is not considered vacant or under construction unless you have used unoccupied. Oreasonable care to: a) maintain heat in the building structure; or 9. Falling objects. b) shut off the water supply and drain the waCter from the systems and appliances. We do not cover loss to personal property inside a building structure unless the falling 15. Theft, or attempted theft, including object first damages the exterior walls or roof disappearance of property from a known place of the building structure. when it is likelyUthat a theft has occurred. Any theft must be promptly reported to the police. 10. Weight of ice, snow or sleet which causes damage to personal property in a building We do not cover: structure, but only if the building structure is a) theft or attemptedMtheft committed by an damaged due to the weight of ice, snow or insured person; sleet. b) theft in or from the residence premises while under constructionEor of materials and supplies for use in construction, until the dwelling is completed and occupied; NPage 9 T c) theft of any property while at any other 2) if you permanently relocate, the residence owned, rented to or occupied shortest time for your household to by an insured person unless the insured settle elsewhere; or Sperson is temporarily residing there; 3) 12 months. d) theft of trailers, campers, watercraft, including furnishings, equipment and Additional Living Expense will not exceed outboard motors, away from the the amount indicated on your Policy resiAdence premises; Declarations. e) theft from that part of the residence premises rented by you to other than an b) We will pay the reasonable and necessary insured peMrson. increase in living expenses for up to two weeks should civil authorities prohibit the 16. Breakage of glass, meaning damage to use of the residence premises due to a covered personal property caused by breakage loss at a neighboring premises caused by of glass constituting a pPart of any building a loss we insure against. However, structure on the residence premises. This payments for increase in living expenses does not include damage to the glass. due to remediation of mold, fungus, wet rot or dry rot will not be paid in addition to Additional Protection L any amounts paid or payable under Section I, Conditions Mold, Fungus, 1. Additional Living Expense Wet Rot and Dry Rot Remediation as a a) We will pay the reasonable increasEe in Direct Result of a Covered Water Loss. living expenses necessary to maintain your normal standard of living when a These periods of time are not limited by the direct physical loss we cover under termination of this policy. Coverage A Dwelling Protection, Coverage B Other Structures We do not cover any lost income or expense Protection or Coverage C Personal due to the cancellation of a lease or Property Protection makes your agreement. residence premises uninhabitable. D However, additional living expense due to No deductible applies to this protection. remediation of mold, fungus, wet rot or dry rot will not be paid in addition to any 2. OCredit Card, Debit Card or Automated Teller amounts paid or payable under Section I, Machine Card, Bank Fund Transfer Card, Conditions Mold, Fungus, Wet Rot and Check Forgery and Counterfeit Money Dry Rot Remediation as a Direct Result We will pay for loss: of a Covered Water Loss. a) thatCan insured person is legally required to pay for the unauthorized use of any Payment for additional living expense as a 1) credit card; result of a covered loss under Coverage A 2) debit or automated teller machine Dwelling Protection, Coverage B card;U Other Structures Protection or Coverage 3) bank fund transfer card; C Personal Property Protection will be 4) code; limited to the least of the following: 5) account numMber; 1) the time period required to repair or 6) personal identification number; or replace the property we cover, using 7) other means of account access due diligence and dispatch; or that can be used, alone or in conjunction with items 1) through 7) aEbove, to obtain money, goods, services, or any other thing NPage 10 T of value, or that can be used to initiate a of the unauthorized use of any credit card, transfer of funds. debit or automated teller machine card, or b) caused by forgery or alteration of a check bank fund transfer card issued to or registered Sor negotiable instrument made or drawn in the name of an insured person. The defense upon an insured person’s account; will be at our expense, with counsel of our c) to an insured person through acceptance choice. in good faith of counterfeit United States or CAanadian paper currency. When this coverage applies, we have the option to defend an insured person or the insured person’s bank against a suit for the Our maximum limit of liability for any one loss enforcement of payment legally required to be is $1,000, regardless of the number of persons M made as a result of forgery or alteration of a involved. All loss due to forgery or check or negotiable instrument made or drawn unauthorized use by or involving any one upon an insured person’s account. The person is considered one loss. defense will be at our expense, with counsel of P our choice. We do not cover: a) loss arising from any business of an No deductible applies to this protection. insured person; b) loss caused by or at the dLirection of an 3. Debris Removal insured person or any other person who We will pay reasonable expenses you incur to has been entrusted with any credit card, remove debris of covered property damaged debit or automated teller machineEcard, or by a loss we cover. If the loss to the covered bank fund transfer card; property and the cost of debris removal are c) loss arising out of dishonesty of an more than the Limit Of Liability shown on the insured person. Policy Declarations for the covered property, we will pay up to an additional 5% of that limit When loss is discovered, the insured person for debris removal. must give us immediate notice. If the loss 4. Emergency Removal Of Property involves a credit card, debit or automated We will pay for sudden and accidental direct teller machine card, or bank fund transfer D physical loss to covered property from any card, the insured person must also give cause while removed from a premises because immediate notice to the company or bank that of danger from a loss we cover. Protection is issued the card. Failure to comply with the Olimited to a 30-day period from date of terms and conditions of the card voids this removal. This protection does not increase the protection. limit of liability that applies to the covered property. We will pay only for loss occurring during the C policy period, including those losses 5. Fire Department Charges discovered and reported to us within one year We will pay up to $500 for service charges after the policy has terminated. We have the made by fire departments called to protect right to investigate and settle any claim or suit your property froUm a loss we cover at the as we deem appropriate. Full payment of the residence premises. No deductible applies to amount of insurance for any one loss ends our this protection. obligation under each claim or suit arising 6. Temporary Repairs AfMter A Loss from the loss. We will reimburse you up to $5,000 for the When this coverage applies, we will defend reasonable and necessary cost you incur for any suit brought against an insured person for temporary repairs to protect coEvered property the enforcement of payment that an insured from further imminent covered loss following a person is legally required to make as a result loss we cover. This coverage does not increase NPage 11 T the limit of liability applying to the property residence premises caused by the interruption being repaired. of power which occurs off the residence premises. If a power interruption is known to 7. TSrees, Shrubs, Plants and Lawns an insured person, all reasonable means must We will pay up to 5% of the Limit Of Liability be used to protect the contents of freezers and shown on the Policy Declarations under refrigerated units. Coverage A Dwelling Protection for loss to trees, shArubs, plants and lawns at the address This coverage does not increase the limit of of the residence premises. We will not pay liability applying to the damaged property. more than $500 for any one tree, shrub, or plant including Mexpenses incurred for removing 10. Arson Reward debris. This coverage applies only to direct We will pay up to $5,000 for information physical loss caused by fire or lightning, leading to an arson conviction in connection explosion, riot or civil commotion, aircraft, with a fire loss to property covered under vehicles not owned by Pan occupant of the Section I of this policy. The $5,000 limit residence premises, vandalism or malicious applies regardless of the number of persons mischief, theft or collapse of a building providing information. structure or any part of a building structure. L 11. Collapse We will pay up to $500 for reasonable We will cover at the residence premises expenses you incur for the removal of debris of a) the entire collapse of a covered building trees at the address of the residence preEmises structure; for direct physical loss caused by windstorm, b) the entire collapse of part of a covered hail, or weight of ice, snow or sleet. The fallen building structure; and tree must have caused damage to property c) direct physical loss to covered property covered under Coverage A Dwelling caused by a) or b) above. Protection or Coverage B Other Structures Protection. For coverage to apply, the collapse of a building structure specified in a) or b) above We do not cover trees, shrubs, plants, or lawns D must be a sudden and accidental direct grown for business purposes. physical loss caused by one or more of the following: This coverage does not increase the limit of Oa) a loss we cover under Section I, liability applying to the damaged property. Coverage C Personal Property Protection; 8. Temperature Change b) weight of persons, animals, equipment or We will pay for loss to covered personal coCntents; property in a building structure at the c) weight of rain, snow or ice which collects residence premises resulting from a change in on a roof; temperature. The change in temperature must d) defective methods or materials used in result from a covered loss to the building constructioUn, repair, remodeling or structure. renovation, but only if the collapse occurs in the course of such construction, repair, This coverage does not increase the limit of remodeling or renMovation. liability applying to the damaged property. Collapse as referenced herein means the 9. Power Interruption covered building structure or part of the We will pay up to $500 for loss to the contents covered building structure hasEactually fallen of freezers and refrigerated units on the down or fallen into pieces unexpectedly and NPage 12 T instantaneously. It does not include settling, 13. Lock Replacement cracking, shrinking, bulging, expansion, When a key to a lock is stolen as part of a sagging, or bowing. Furthermore, collapse covered theft loss, we will pay under dSoes not include or mean substantial structural Coverage A Dwelling Protection the impairment or imminent collapse. reasonable expenses you incur to replace or re-key exterior door locks at the residence Loss to an awning, fence, patio, deck, premises with locks or cylinders of like kind pavemeAnt, swimming pool, underground pipe, and quality. The limit of liability under this flue, drain, cesspool, fuel oil tank, septic tank, coverage following any one theft loss is $500. cistern or similar system, foundation, retaining wall, bulkhead,Mpier, wharf or dock is not This coverage does not increase the limit of included, unless the loss is a direct result of liability that applies to the covered property. the collapse of a building structure or part of a building structure that is a sudden and Losses We Do Not Cover Under accidental direct physicalPloss caused by one Coverage A, Coverage B and Coverage C or more of the following: A. We do not cover loss to the property described a) a loss we cover under Section I, in Coverage A Dwelling Protection or Coverage C Personal Property Coverage B Other Structures Protection Protection; L consisting of or caused by the following: b) weight of persons, animals, equipment or 1. Freezing of: contents; weight of rain, snow or ice a) plumbing, fire protective sprinkler which collects on a roof; E systems, heating or air conditioning c) defective methods or materials used in systems; construction, repair, remodeling or b) household appliances; or renovation, but only if the collapse occurs c) swimming pools, hot tubs and spas in the course of such construction, repair, within the dwelling, their filtration remodeling or renovation. and circulation systems; or discharge, leakage or overflow from This coverage does not increase the limit of within a), b) or c) above, caused by liability applying to the covered property. D freezing, while the building structure is vacant, unoccupied or being constructed 12. Land unless you have used reasonable care to: If a sudden and accidental direct physical loss a) maintain heat in the building results in both a covered loss to the dwelling, O structure; or other than the breakage of glass or safety b) shut off the water supply and drain glazing material, and a loss of land stability, the system and appliances. we will pay up to $10,000 as an additional C amount of insurance for repair costs 2. Freezing, thawing, pressure or weight of associated with the land. This includes the water, snow or ice, whether driven by costs required to replace, rebuild, stabilize or wind or not. This exclusion applies to otherwise restore the land necessary to U fences, pavements, patios, foundations, support that part of the dwelling sustaining retaining walls, bulkheads, piers, wharves the covered loss. and docks. This exclusion also applies to swimming pools, hot tubs, spas, their The Section I Losses We Do Not Cover M filtration and circulation systems if the Under Coverage A, Coverage B and swimming pool, hot tub or spa is not Coverage C reference to earth movement does located within a heated portion of the not apply to the loss of land stability provided dwelling. E under this Additional Protection. NPage 13 T 3. Seepage, meaning continuous or repeated agricultural smudging and industrial seepage or leakage over a period of operations; weeks, months, or years, of water, steam g) settling, cracking, shrinking, bulging Sor fuel: or expansion of pavements, patios, a) from a plumbing, heating, air foundations, walls, floors, roofs or conditioning or automatic fire ceilings; protection system or from within a h) insects, rodents, birds or domestic Adomestic appliance; or animals. We do cover the breakage b) from, within or around any plumbing of glass or safety glazing materials fixtures, including, but not limited to caused by birds; or showerMstalls, shower baths, tub i) seizure by government authority. installations, sinks or other fixtures designed for the use of water or If any of a) through h) cause the sudden steam. and accidental escape of water or steam P from a plumbing, heating or air 4. Collapse, except as specifically provided conditioning system, household appliance in Section I Additional Protection under or fire protective sprinkler system within item 11, " Collapse." your dwelling, we cover the direct L physical damage caused by the water or 5. Theft from your residence premises while steam. If loss to covered property is your dwelling is under construction, or of caused by water or steam not otherwise materials and supplies for use in E excluded, we will cover the cost of tearing construction, until your dwelling is out and replacing any part of your completed and occupied. dwelling necessary to repair the system or appliance. This does not include 6. Vandalism or Malicious Mischief if your damage to the defective system or dwelling is vacant or unoccupied for more appliance from which the water escaped. than 30 consecutive days immediately prior to the vandalism or malicious 8. Soil conditions, including, but not limited mischief. A dwelling under construction is D to, corrosive action, chemicals, not considered vacant or unoccupied. compounds, elements, suspensions, crystal formations or gels in the soil. 7. a) wear and tear, aging, marring, scratching, deterioration, inherent B. OWe do not cover loss to the property described vice, or latent defect; in Coverage A Dwelling Protection or b) mechanical breakdown; Coverage B Other Structures Protection c) growth of trees, shrubs, plants or when: C lawns whether or not such growth is 1) there are two or more causes of loss to above or below the surface of the the covered property; and ground; 2) the predominant cause(s) of loss is (are) d) rust or other corrosion; excluded Uunder items A.1 through A.8 e) contamination, including, but not above. limited to, the presence of toxic, noxious or hazardous gasses, C. We do not cover loss to the property described chemicals, liquids, solids or other in Coverage A DwellMing Protection, substances at the residence Coverage B Other Structures Protection or premises or in the air, land or water Coverage C Personal Property Protection serving the residence premises; consisting of or caused by theEfollowing: f) smog, smoke from the manufacturing of any controlled substance, NPage 14 T 1. Flood, including, but not limited to, We do cover sudden and accidental direct surface water, waves, tidal water or physical loss to covered property caused overflow of any body of water, or spray by actions of civil authority to prevent the Sfrom any of these, whether or not driven spread of fire. by wind. 6. The failure by any insured person to take 2. Water or any other substance that: all reasonable steps to save and preserve a) Abacks up through sewers or drains; property when the property is endangered or by a cause of loss we cover. b) overflows from a sump pump, sump pumpMwell or other system designed 7. Any substantial change or increase in for the removal of subsurface water hazard, if changed or increased by any which is drained from a foundation means within the control or knowledge of area of a structuPre. an insured person. 3. Water or any other substance on or below 8. Intentional or criminal acts of or at the the surface of the ground, regardless of direction of any insured person, if the its source. This includes water or any loss that occurs: other substance which exLerts pressure a) may be reasonably expected to result on, or flows, seeps or leaks through any from such acts; or part of the residence premises. E b) is the intended result of such acts. We do cover sudden and accidental direct This exclusion applies regardless of physical loss caused by fire, explosion or whether or not the insured person is theft resulting from items 1 through 3 actually charged with, or convicted of, a listed above. crime.

4. Earth movement of any type, including, 9. Weather Conditions that contribute in any but not limited to, earthquake, volcanic way with a cause of loss excluded under eruption, lava flow, landslide, subsidence, D Losses We Do Not Cover Under mudflow, pressure, sinkhole, erosion, or Coverage A, Coverage B and Coverage C the sinking, rising, shifting, creeping, to produce a loss. expanding, bulging, cracking, settling or contracting of the earth. This exclusion O10. Planning, Construction or Maintenance, applies whether or not the earth movement is combined with water. meaning faulty, inadequate or defective: a) planning, zoning, development, We do cover sudden and accidental direct Csurveying, siting; physical loss caused by fire, explosion, b) design, specifications, workmanship, theft or breakage of glass or safety repair, construction, renovation, glazing materials resulting from earth remodeling, grading, compaction; movement. c) mateUrials used in repair, construction, renovation or 5. Enforcement of any building codes, remodeling; or ordinances or laws regulating the d) maintenance construction, reconstruction, M maintenance, repair, placement or of property whether on or off the demolition of any building structure, residence premises by any person or other structure or land at the residence organization. premises. E NPage 15 T 11. Vapors, fumes, acids, toxic chemicals, toxic gasses, toxic liquids, toxic solids, We do cover sudden and accidental direct waste materials or other irritants, physical loss by fire resulting from nuclear Scontaminants or pollutants. action. D. We do not cover loss to the property described 2. War or warlike acts, including, but not in Coverage A Dwelling Protection, limited to, insurrection, rebellion or CoveragAe B Other Structures Protection or revolution. Coverage C Personal Property Protection when: Section I Conditions 1) there are twoMor more causes of loss to the covered property; and 1. Deductible 2) the predominant cause(s) of loss is (are) We will pay when a covered loss exceeds the excluded under items C.1. through C.11 applicable deductible shown on the Policy above. P Declarations. We will then pay only the excess amount, unless we have indicated otherwise E. We do not cover loss to the property described in this policy. in Coverage A Dwelling Protection, Coverage B Other StructuresLProtection or 2. Insurable Interest and Our Liability Coverage C Personal Property Protection In the event of a covered loss, we will not pay consisting of or caused by mold, fungus, wet for more than an insured person’s insurable rot, dry rot or bacteria. This includes anEy loss interest in the property covered, nor more than which, in whole or in part, arises out of, is the amount of coverage afforded by this policy. aggravated by or results from mold, fungus, wet rot, dry rot or bacteria. 3. What You Must Do After A Loss In the event of a loss to any property that may This exclusion applies regardless of whether be covered by this policy, you must: mold, fungus, wet rot, dry rot or bacteria arises a) immediately give us or our agent notice. from any other cause of loss, including but not Report any theft to the police as soon as limited to a loss involving water, water D possible. If the loss involves a credit card, damage or discharge, which may otherwise be debit or automated teller machine card, or covered by this policy, except as specifically bank fund transfer card, give notice to the provided in Section I, Conditions Mold, Ocompany or bank that issued the card. Fungus, Wet Rot and Dry Rot Remediation as b) protect the property from further loss. a Direct Result of a Covered Water Loss. Make any reasonable repairs necessary to protect it. Keep an accurate record of any F. We do not cover loss to the property described repCair expenses. in Coverage A Dwelling Protection, c) separate damaged from undamaged Coverage B Other Structures Protection or personal property. Give us a detailed list Coverage C Personal Property Protection of the damaged, destroyed or stolen consisting of or caused by the following. These property, sUhowing the quantity, cost, exclusions apply regardless of whether any actual cash value and the amount of loss other cause contributed concurrently or in any claimed. sequence to produce the loss: d) give us all accounMting records, bills, 1. Nuclear action, meaning nuclear reaction, invoices and other vouchers, or certified discharge, radiation or radioactive copies, which we may reasonably request contamination, or any consequence of any to examine and permit us to make copies. of these. Loss caused by nuclear action is e) produce receipts for any Eincreased costs not considered loss by fire, explosion or to maintain your standard of living while smoke. NPage 16 T you reside elsewhere, and records a) repair, rebuild or replace all or any part of supporting any claim for loss of rental the damaged, destroyed or stolen income. property with property of like kind and f)Sas often as we reasonably require: quality within a reasonable time; or 1) show us the damaged property. b) pay for all or any part of the damaged, 2) at our request, submit to destroyed or stolen property as described examinations under oath, separately in Condition 5 " How We Pay For A Loss." Aand apart from any other person defined as you or insured person Within 30 days after we receive your signed, and sign a transcript of the same. sworn proof of loss we will notify you of the 3) produce representatives, employees, option or options we intend to exercise. membMers of the insured person’s household or others to the extent it is within the insured person’s power to 5. How We Pay For A Loss do so; and Under Coverage A Dwelling Protection, g) within 60 days afterPthe loss, give us a Coverage B Other Structures Protection and signed, sworn proof of the loss. This Coverage C Personal Property Protection, statement must include the following payment for covered loss will be by one or information: more of the following methods: 1) the date, time, locatioLn and cause of a) Special Payment. At our option, we may loss; make payment for a covered loss before 2) the interest insured persons and you repair, rebuild or replace the others have in the property, inEcluding damaged, destroyed or stolen property if: any encumbrances; 1) the whole amount of loss for property 3) the actual cash value and amount of covered under Coverage A loss for each item damaged, Dwelling Protection and Coverage B destroyed or stolen; Other Structures Protection, 4) any other insurance that may cover without deduction for depreciation, is the loss; 5) any changes in title, use, occupancy less than $2,500 and if the property or possession of the property that is not excluded from the Building D Structure Reimbursement provision, have occurred during the policy period; or; 6) at our request, the specifications of 2) the whole amount of loss for property any damaged building structure or O covered under Coverage C other structure; and Personal Property Protection, 7) evidence supporting any claim under without deduction for depreciation, is the Credit Card, Debit or Automated less than $2,500 and if your Policy Teller Machine Card, Bank Fund CDeclarations shows that the Personal Transfer Card, Check Forgery and Property Reimbursement provision Counterfeit Money protection. State applies, and the property is not the cause and amount of loss. excluded from the Personal Property ReimUbursement provision. We have no duty to provide coverage under this section if you, an insured person, or a b) Actual Cash Value. If you do not repair or representative of either fail to comply with replace the damaged, destroyed or stolen items a) through g) above, and this failure to M property, payment will be on an actual comply is prejudicial to us. cash value basis. This means there may 4. Our Settlement Options be a deduction for depreciation. Payment will not exceed the Limit Of Liability In the event of a covered loss, we have the E option to: shown on the Policy Declarations for the coverage that applies to the damaged, NPage 17 T destroyed or stolen property, regardless of use on the same residence the number of items involved in the loss. premises; or 3) the Limit Of Liability applicable to the SYou may make claim for additional building structure(s) as shown on payment as described in paragraph c) and the Policy Declarations for Coverage paragraph d) below, if applicable, if you A Dwelling Protection or Coverage repair or replace the damaged, destroyed B Other Structures Protection, or sAtolen covered property within 180 regardless of the number of building days of the actual cash value payment. structures and structures other than building structures involved in the c) Building StMructure Reimbursement. Under loss. Coverage A Dwelling Protection and Coverage B Other Structures If you replace the damaged building Protection, we will make additional structure(s) at an address other than payment to reimbuPrse you for cost in shown on the Policy Declarations through excess of actual cash value if you repair, construction of a new structure or rebuild or replace damaged, destroyed or purchase of an existing structure, such stolen covered property within 180 days replacement will not increase the amount of the actual cash value pLayment. This payable under Building Structure additional payment includes the Reimbursement described above. The reasonable and necessary expense for amount payable under Building Structure treatment or removal and disposaEl of Reimbursement described above does not contaminants, toxins or pollutants as include the value of any land associated required to complete repair or with the replacement structure(s). replacement of that part of a building structure damaged by a covered loss. Building Structure Reimbursement This additional payment shall not include payment will be limited to the difference any amounts which may be paid or between any actual cash value payment payable under Section I, Conditions made for the covered loss to building Mold, Fungus, Wet Rot and Dry Rot D structures and the smallest of 1), 2) or 3) Remediation as a Direct Result of a above. Covered Water Loss, and shall not be payable for any losses excluded in OBuilding Structure Reimbursement will not Section I Your Property, under Losses apply to: We Do Not Cover Under Coverage A, 1) property covered under Coverage C Coverage B and Coverage C, section E. Personal Property Protection; 2)Cproperty covered under Coverage B Building Structure Reimbursement will not Other Structures Protection that is exceed the smallest of the following not a building structure; amounts: 3) wall-to-wall carpeting, fences, 1) the replacement cost of the part(s) of awninUgs and outdoor antennas the building structure(s) for whether or not fastened to a building equivalent construction for similar structure; or use on the same residence 4) land. M premises; 2) the amount actually and necessarily Payment under a), b), or c) above will not spent to repair or replace the include any increased cost due to the damaged building structure(s) with enforcement of building codesE, ordinances or equivalent construction for similar laws regulating the construction, reconstruction, NPage 18 T maintenance, repair, relocation or demolition of 4) property that was obsolete or building structures or other structures. unusable for the originally intended purpose because of age or condition dS) Personal Property Reimbursement. Under prior to the loss; or Coverage C Personal Property 5) motorized land vehicles used solely Protection, we will make additional for the service of the insured payment to reimburse you for cost in premises and not licensed for use on excesAs of actual cash value if you repair, public roads. This does not include rebuild or replace damaged, destroyed or motorized land vehicles designed for stolen covered personal property or wall- assisting the disabled. to-wall carMpeting within 180 days of the actual cash value payment. 6. Our Settlement Of Loss We will settle any covered loss with you unless Personal Property Reimbursement some other person or entity is named in the payment will not ePxceed the smallest of policy. We will settle within 60 days after the the following amounts: amount of loss is finally determined. This 1) the amount actually and necessarily amount may be determined by an agreement spent to repair or replace the between you and us, an appraisal award or a property with similarLproperty of like court judgment. kind and quality; 2) the cost of repair or restoration; or 7. Appraisal 3) the Limit Of Liability shown oEn the If you and we fail to agree on the amount of Policy Declarations for Coverage C loss, either party may make written demand Personal Property Protection, or any for an appraisal. Upon such demand, each special limit of liability described in party must select a competent and impartial the policy, regardless of the number appraiser and notify the other of the of items of personal property involved appraiser’s identity within 20 days after the in the loss. demand is received. The appraisers will select a competent and impartial umpire. If the Personal Property Reimbursement will be D appraisers are unable to agree upon an umpire limited to the difference between any within 15 days, you or we can ask a judge of a actual cash value payment made for the court of record in the state where the covered loss to personal property and the Oresidence premises is located to select an smallest of 1), 2) or 3) above. umpire.

Personal Property Reimbursement will not The appraisers shall then determine the apply to: amounCt of loss, stating separately the actual 1) property insured under Coverage A cash value and the amount of loss to each Dwelling Protection and Coverage B item. If the appraisers submit a written report Other Structures Protection, of an agreement to you and to us the amount except wall-to-wall carpeting; agreed upon shUall be the amount of loss. If 2) antiques, fine arts, paintings, they cannot agree, they will submit their statuary and similar articles which, differences to the umpire. A written award by their inherent nature, cannot be agreed upon by any two will determine the replaced; amount of loss. M 3) articles whose age or history contribute substantially to their value. Each party will pay the appraiser it chooses, This includes, but is not limited to, and equally bear expenses forEthe umpire and memorabilia, souvenirs and all other appraisal expenses. collector’s items; NPage 19 T 8. Abandoned Property 12. Action Against Us We are not obligated to accept any property or No one may bring an action against us in any responsibility for any property abandoned by way related to the existence or amount of anSinsured person. coverage, or the amount of loss for which coverage is sought, under a coverage to which 9. Permission Granted To You Section I Conditions applies, unless: a) The residence premises may be vacant or a) there has been full compliance with all unoAccupied for any length of time, except policy terms; and where a time limit is indicated in this b) the action is commenced within one year policy for specific perils. A building after the inception of loss or damage. structure uMnder construction is not considered vacant. 13. Loss To A Pair Or Set b) You may make alterations, additions or If there is a covered loss to a pair or set, we repairs, and you may complete structures may: under constructionP. a) repair or replace any part of the pair or set to restore it to its actual cash value before 10. Our Rights To Recover Payment the loss; or When we pay for any loss, an insured b) pay the difference between the actual person’s right to recover fromLanyone else cash value of the pair or set before and becomes ours up to the amount we have paid. after the loss. An insured person must protect these rights and help us enforce them. You may wEaive 14. Glass Replacement your rights to recover against another person Payment for loss to covered glass includes the for loss involving the property covered by this cost of using safety glazing materials when policy. This waiver must be in writing prior to required by law. the date of the loss. 15. No Benefit To Bailee 11. Our Rights To Obtain Salvage This insurance will not benefit any person or We have the option to take all or any part of organization who may be caring for or the damaged or destroyed covered property D handling your property for a fee. upon replacement by us or payment of the agreed or appraised value. 16. Other Insurance OIf both this insurance and other insurance We will notify you of our intent to exercise this apply to a loss, we will pay the proportionate option within 30 days after we receive your amount that this insurance bears to the total signed, sworn proof of loss. If no signed, amount of all applicable insurance. However, sworn proof of loss is requested by us, we will in the evCent of a loss by theft, this insurance notify you of our intent to exercise this option shall be excess over any other insurance that within 60 days after the date you report the covers loss by theft. loss to us. 17. Property InsuraUnce Adjustment When we settle any loss caused by theft or When the Policy Declarations indicates that the disappearance, we have the right to obtain all Property Insurance Adjustment Condition or part of any property which may be applies, you agree that, at each policy recovered. An insured person must protect anniversary, we may inMcrease the Limit of this right and inform us of any property Liability shown on the Policy Declarations for recovered. We will inform you of our intent to Coverage A Dwelling Protection to reflect exercise this right within 10 days of your one of the following: notice of recovery to us. E a) the rate of change in the Index identified in the " Important Payment and Coverage NPage 20 T Information" section of the Policy a) protect the mortgagee’s interest in a Declarations. The limit of liability for covered building structure in the event of Coverage A Dwelling Protection for the an increase in hazard, intentional or Ssucceeding premium period will be criminal acts of, or directed by, an determined by changing the existing limit insured person, failure by any insured in proportion to the change in the Index person to take all reasonable steps to between the time the existing limit was save and preserve property after a loss, a estabAlished and the time the change is change in ownership, or foreclosure if the made. The resulting amount will be mortgagee has no knowledge of these rounded to the nearest $1000; or conditions; and b) the minimuMm amount of insurance b) give the mortgagee at least 10 days notice coverage we are willing to issue for the if we cancel this policy. succeeding premium period under Coverage A Dwelling Protection for The mortgagee will: your dwelling andPother property we a) furnish proof of loss within 60 days after cover under Coverage A Dwelling notice of the loss if an insured person Protection. fails to do so; b) pay upon demand any premium due if an Any adjustment in the limit of lLiability for insured person fails to do so; Coverage A Dwelling Protection will result in c) notify us in writing of any change of an adjustment in the limit of liability for ownership or occupancy or any increase Coverage B Other Structures ProtectEion and in hazard of which the mortgagee has Coverage C Personal Property Protection in knowledge; accordance with our manual of Rules and d) give us the mortgagee’s right of recovery Rates. against any party liable for loss; and e) after a loss, and at our option, permit us Any adjustment in premium resulting from the to satisfy the mortgage requirements and application of this condition will be made receive full transfer of the mortgage. based on premium rates in use by us at the time a change in limits is made. D This mortgagee interest provision shall apply to any trustee or loss payee or other secured We will not reduce the limit of liability shown party. on the Policy Declarations without your O consent. You agree that it is your 19. Mold, Fungus, Wet Rot and Dry Rot responsibility to ensure that each of the limits Remediation as a Direct Result of a Covered of liability shown on the Policy Declarations are Water Loss appropriate for your insurance needs. If you In the evCent of a covered water loss under want to increase or decrease any of the limits Coverage A Dwelling Protection, of liability shown on the Policy Declarations, Coverage B Other Structures Protection or you must contact us to request such a change. Coverage C Personal Property Protection, we will pay upUto $5,000 for mold, fungus, wet 18. Mortgagee rot or dry rot remediation. A covered loss will be payable to the Mortgagee(s) named on the Policy Remediation means thMe reasonable and Declarations, to the extent of their interest and necessary treatment, removal or disposal of in the order of precedence. All provisions of mold, fungus, wet rot or dry rot as required to Section I of this policy apply to these complete repair or replacement of property we mortgagees. cover under Coverage A DwEelling Protection, Coverage B Other Structures We will: NPage 21 T Protection or Coverage C Personal Property hearing aids, and pharmaceuticals. These expenses Protection damaged by a covered water loss, must be incurred and the services performed within including payment for any reasonable increase three years from the date of an occurrence causing inSliving expenses necessary to maintain your bodily injury to which this policy applies, and is normal standard of living if mold, fungus, wet covered by this part of the policy. rot or dry rot makes your residence premises uninhabitable. Remediation also includes any Each person who sustains bodily injury is entitled to investigaAtion or testing to detect, measure or this protection when that person is: evaluate mold, fungus, wet rot or dry rot. 1. on the insured premises with the permission of an insured person; or This Condition dMoes not increase the limits of 2. off the insured premises, if the bodily injury: liability under Coverage A Dwelling a) arises out of a condition on the insured Protection, Coverage B Other Structures premises or immediately adjoining ways; Protection or Coverage C Personal Property b) is caused by the activities of an insured Protection. P person or a residence employee; c) is caused by an animal owned by or in the Section II Family Liability and care of an insured person; or d) is sustained by a residence employee. Guest Medical ProtectionL Additional Protection Coverage X Family Liability Protection E We will pay, in addition to the limits of liability: 1. Claim Expense Losses We Cover Under Coverage X: We will pay: Subject to the terms, conditions and limitations of a) all costs we incur in the settlement of any claim or the defense of any suit against an this policy, we will pay damages which an insured insured person; person becomes legally obligated to pay because b) interest accruing on damages awarded of bodily injury or property damage arising from until such time as we have paid, formally an occurrence to which this policy applies, and is D offered, or deposited in court the amount covered by this part of the policy. for which we are liable under this policy; interest will be paid only on damages We may investigate or settle any claim or suit for which do not exceed our limits of liability; covered damages against an insured person. If an O c) premiums on bonds required in any suit insured person is sued for these damages, we will we defend; we will not pay bond provide a defense with counsel of our choice, even premiums in an amount that is more than if the allegations are groundless, false or ouCr limit of liability; we have no obligation fraudulent. We are not obligated to defend any suit to apply for or furnish bonds; or pay any claim or judgment after have we d) up to $150 per day for loss of wages and exhausted our limit of liability. salary, when we ask you to attend trials and hearinUgs; Coverage Y e) any other reasonable expenses incurred Guest Medical Protection by an insured persoMn at our request. 2. Emergency First Aid Losses We Cover Under Coverage Y: We will pay reasonable expenses incurred by We will pay the reasonable expenses incurred for an insured person for first aid to other persons necessary medical, surgical, x-ray and dental at the time of an accident invoElving bodily services; ambulance, hospital, licensed nursing and injury covered under this policy. funeral services; and prosthetic devices, eye glasses, NPage 22 T 3. Damage To Property Of Others of or caused by vapors, fumes, acids, At your request, we will pay up to $500 each toxic chemicals, toxic gasses, toxic time an insured person causes property liquids, toxic solids, waste materials or dSamage to someone else’s property. At our other irritants, contaminants or pollutants. option, we will pay the cost to either repair or replace the property damaged by an insured 4. We do not cover any liability an insured person, without deduction for depreciation. person assumes arising out of any A contract or agreement. We will not pay for property damage a) to property covered under Section I of this 5. We do not cover property damage to policy; M property rented to, occupied or used by, b) to property intentionally damaged by an or in the care of, an insured person. This insured person who has attained the age exclusion does not apply if the property of 13; damage is caused by fire, explosion or c) to property ownedPby or rented to an smoke. insured person, any tenant of an insured person, or any resident in your 6. We do not cover any liability imposed household; or upon any insured person by any d) arising out of: L governmental authority for bodily injury 1) past or present business activities; or property damage which, in whole or in 2) any act or omission in connection part, arises out of, is aggravated by or with a premises, other than anE results from mold, fungus, wet rot, dry rot insured premises, owned, rented or or bacteria. controlled by an insured person; or 3) the ownership or use of a motorized B. Losses We Do Not Cover Under Coverage Y: land vehicle, trailer, aircraft, 1. We do not cover bodily injury to any hovercraft or watercraft. insured person or regular resident of the insured premises. However, this Losses We Do Not Cover Under exclusion does not apply to a residence Coverage X and Coverage Y D employee. 2. We do not cover bodily injury to any A. Losses We Do Not Cover Under Coverage X: person on the insured premises because 1. We do not cover bodily injury to an O of a business activity or professional insured person or property damage to service conducted there. property owned by an insured person whenever any benefit of this coverage C. Losses We Do Not Cover Under Coverage X would accrue directly or indirectly to an C and Coverage Y: insured person. Coverage under Coverage X Family Liability Protection will be excluded for bodily injury 2. We do not cover any property damage and U and coverage under consisting of or caused by vapors, fumes, property damage acids, toxic chemicals, toxic gasses, toxic Coverage Y Guest Medical Protection will liquids, toxic solids, waste materials or be excluded for bodily injury as follows: other irritants, contaminants or pollutants. M 1. We do not cover any bodily injury or 3. We do not cover any bodily injury or property damage intended by, or which property damage arising out of any may reasonably be expected to result liability statutorily imposed upon any from the intentional or crimEinal acts or insured person in any manner, consisting NPage 23 T omissions of, any insured person. This being used away from an insured exclusion applies even if: premises; a) such insured person lacks the c) a motorized wheel chair; S mental capacity to govern his or her d) a vehicle used to service an insured conduct; premises which is not designed for b) such bodily injury or property use on public roads and not subject damage is of a different kind or to motor vehicle registration; Adegree than intended or reasonably e) a golf cart owned by an insured expected; or person when used for golfing c) such bodily injury or property purposes; damageMis sustained by a different f) a trailer of the boat, camper, home or person than intended or reasonably utility type unless it is being towed or expected. carried by a motorized land vehicle; g) lawn or garden implements under 40 This exclusion appPlies regardless of horsepower; whether or not such insured person is h) bodily injury to a residence actually charged with, or convicted of a employee. crime. L 5. We do not cover bodily injury or property 2. We do not cover bodily injury to any damage arising out of the ownership, person eligible to receive benefits maintenance, use, occupancy, renting, required to be provided or voluntarEily loaning, entrusting, loading or unloading provided by an insured person under any of watercraft away from an insured worker’s compensation, non-occupational premises if the watercraft: disability or occupational disease law. a) has inboard or inboard-outboard motor power of more than 50 3. We do not cover bodily injury or property horsepower; damage arising out of the ownership, b) is a sailing vessel 26 feet or more in maintenance, use, occupancy, renting, length; loaning, entrusting, loading or unloading D c) is powered by one or more outboard of aircraft. motors with more than 25 total horsepower; This exclusion does not apply to bodily Od) is designated as an airboat, air injury to a residence employee. cushion, or similar type of watercraft; or 4. We do not cover bodily injury or property e) is a personal watercraft, meaning a damage arising out of the ownership, Ccraft propelled by a water jet pump maintenance, use, occupancy, renting, engine and designed to be operated loaning, entrusting, loading or unloading by a person or persons sitting, of any motor vehicle or trailer. However, standing or kneeling on the craft. this exclusion does not apply to: U a) a motor vehicle in dead storage or This exclusion does not apply to bodily used exclusively on an insured injury to a residence employee. premises; M b) any motor vehicle designed 6. We do not cover bodily injury or property principally for recreational use off damage arising out of the ownership, public roads, unless that vehicle is maintenance, use, occupancy, renting, owned by an insured person and is loaning, entrusting, loadinEg or unloading of hovercrafts. This exclusion does not NPage 24 T apply to bodily injury to a residence exclusion does not apply to bodily injury employee. to a residence employee.

7S. We do not cover bodily injury or property 12. We do not cover bodily injury or property damage arising out of: damage which, in whole or in part, arises a) the negligent supervision by any out of, is aggravated by or results from insured person of any person; or mold, fungus, wet rot, dry rot or bacteria. b) Aany liability statutorily imposed on any insured person 13. We do not cover bodily injury or property damage caused by war or warlike acts, arising fromMthe ownership, maintenance, including, but not limited to, insurrection, use, occupancy, renting, loaning, rebellion or revolution. entrusting, loading or unloading of any aircraft, watercraft, hovercraft, motorized Section II Conditions land vehicle or trailePr which is not covered under Section II of this policy. 1. What You Must Do After An Accidental Loss In the event of bodily injury or property 8. We do not cover any bodily injury which damage, you must do the following: results in any manner fromLthe discharge, a) Promptly notify us or our agent stating: dispersal, release or escape of vapors, 1) your name and policy number; fumes, acids, toxic chemicals, toxic 2) the date, the place and the gasses, toxic liquids, toxic solids,Ewaste circumstances of the loss; materials or other irritants, contaminants 3) the name and address of anyone who or pollutants. might have a claim against an insured person; We do cover bodily injury which results 4) the names and addresses of any from such discharge if the discharge is witnesses. sudden and accidental. b) Promptly send us any legal papers relating to the accident. 9. We do not cover bodily injury or property D c) At our request, an insured person will: damage arising out of the rendering of, or 1) cooperate with us and assist us in failure to render, professional services by any matter concerning a claim or an insured person. O suit; 2) help us enforce any right of recovery 10. We do not cover bodily injury or property against any person or organization damage arising out of the past or present who may be liable to an insured business activities of an insured person. Cperson; 3) attend any hearing or trial. We do cover the occasional or part-time d) Under the Damage To Property Of Others business activities of an insured person protection, give us a sworn statement of who is a student under 21 years of age U the loss. This must be made within 60 who is self-employed and has no days after the date of loss. Also, an employees. insured person must be prepared to show us any damaged Mproperty under that 11. We do not cover bodily injury or property person’s control. damage arising out of any premises, other than an insured premises, owned, rented Any insured person will not voluntarily pay or controlled by an insured person. This any money, assume any obligEations or incur any expense, other than for first aid to others NPage 25 T at the time of the loss as provided for in this ours up to the amount we have paid. An policy. insured person must protect these rights and help us enforce them. 2. WShat An Injured Person Must Do Coverage Y Guest Medical Protection 7. Action Against Us If someone is injured, that person, or someone a) No one may bring an action against us in acting for that person, must do the following: any way related to the existence or a) ProAmptly give us written proof of the loss. amount of coverage, or the amount of loss If we request, this must be done under for which coverage is sought, unless there oath. has been full compliance with all policy b) Give us writteMn authorization to obtain terms. copies of all medical records and reports. b) No one may bring an action against us in c) Permit doctors we select to examine the any way related to the existence or injured person as often as we may amount of coverage, or the amount of loss reasonably require.P for which coverage is sought, under Coverage X Family Liability Protection, 3. Our Payment Of Loss Coverage Y Guest unless the obligation of an insured person Medical Protection to pay has been finally determined either We may pay the injured personLor the provider by judgment against the insured person of the medical services. Payment under this after actual trial, or by written agreement coverage is not an admission of liability by us of the insured person, injured person and or an insured person. E us, and the action against us is commenced within one year of such 4. Our Limits Of Liability judgment or agreement. Regardless of the number of insured persons, c) No one may bring an action against us in injured persons, claims, claimants or policies any way related to the existence or involved, our total liability under Coverage X amount of coverage, or the amount of loss Family Liability Protection for damages for which coverage is sought, under resulting from one occurrence will not exceed Coverage Y Guest Medical Protection, the Limit Of Liability shown on the Policy D unless such action is commenced within Declarations. All bodily injury and property one year after the date the expenses for damage resulting from continuous or repeated which coverage is sought were actually exposure to the same general conditions is Oincurred. considered the result of one occurrence. Our d) No one may bring an action against us in total liability under Coverage Y Guest any way related to the existence or Medical Protection for all medical expenses amount of coverage, or the amount of loss payable for bodily injury, to any one person, forCwhich coverage is sought, under shall not exceed the "each person" Limit Of Section II Additional Protection, unless Liability shown on the Policy Declarations. such action is commenced within one year after the date the claim expenses or 5. Bankruptcy emergencyUfirst aid expenses for which We are not relieved of any obligation under this coverage is sought were actually incurred, policy because of the bankruptcy or insolvency or within one year after the date of loss to of an insured person. the property if covMerage is being sought under the Damage to Property of Others 6. Our Rights to Recover Payment Coverage X provision. Family Liability Protection e) No one shall have any right to make us a When we pay any loss, an insured person’s party to an action to deteErmine the liability right to recover from anyone else becomes of an insured person. NPage 26 T 8. Other Insurance Coverage X Family increased to the amount shown on the Policy Liability Protection Declarations. This insurance is excess over any other valid anSd collectible insurance except insurance that 4. Coverage F is written specifically as excess over the limits Fire Department Charges of liability that apply to this policy. The $500 limit applying to the fire department service charges under Additional Protection is Section IAII Optional Protection increased to the amount shown on the Policy Declarations. Optional CoverageMs You May Buy 5. Coverage G The following Optional Coverages may supplement Loss Assessments coverages found in Section I or Section II and apply If your residence premises includes a building only when they are indicated on the Policy structure which is constructed in common Declarations. The provisionsPof this policy apply to with one or more similar buildings, and you each Optional Coverage in this section unless are a member of, and subject to the rules of, modified by the terms of the specific Optional an association governing the areas held in Coverage. common by all building owners as members of 1. Coverage BC L the association, the insured premises means Building Codes the building structure occupied exclusively by We will pay up to 10% of the amount of your household as a private residence, insurance on the Policy Declarations uEnder including the grounds, related structures and Coverage A Dwelling Protection to comply private approaches to them. with local building codes after a covered loss to the dwelling or when repair or replacement We will pay your share of any special results in increased cost due to the assessments charged against all building enforcement of any building codes, ordinances owners by the association up to the Limit Of or laws regulating the construction, Liability shown on the Policy Declarations, when reconstruction, maintenance, repair or the assessment is made as a result of: demolition of the dwelling. D a) sudden and accidental direct physical loss to the property held in common by all 2. Coverage BP building owners caused by a loss we Increased Coverage On Business Property Ocover under Section I of this policy; or The limitation on business property located on b) bodily injury or property damage covered the residence premises, under Coverage C under Section II of this policy. Personal Property Protection, is increased to the amount shown on the Policy Declarations. Any redCuction or elimination of payments for This increased coverage includes property held losses because of any deductible applying to as samples or for sale or delivery after sale, the insurance coverage of the association of while the property is on the residence building owners collectively is not covered premises. under this proteUction. We will pay only when the assessment levied 3. Coverage DP against the insured person, as a result of any Increased Coverage On Electronic Data one loss, for bodily injMury or property damage Processing Equipment exceeds $250 and then only for the amount of The limitation on electronic data processing such excess. This coverage is not subject to equipment under Coverage C Personal any deductible applying to Section I of this Property Protection, and the recording or policy. E storage media used with that equipment, is NPage 27 T In the event of an assessment, this coverage is e) failure by any insured person to take all subject to all the exclusions applicable to reasonable steps to preserve property Sections I and II of this policy and the Section during and after a loss or when the ISand II Conditions, except as otherwise noted. property is endangered by a cause of loss we cover. This coverage is excess over any insurance collectible under any policy or policies Any deductible shown on the Policy coveringAthe association of building owners. Declarations applicable to Coverage C Personal Property Protection, also applies to a 6. Coverage J loss under this coverage. Extended CoverMage On Jewelry, Watches and Furs 7. Coverage K Coverage C Personal Property Protection is Incidental Office, Private School Or Studio extended to pay for sudden and accidental a) The limits applying to property used or direct physical loss to thPe following property, intended for use in a business under subject to the provisions in this coverage: Coverage C Personal Property a) jewelry, watches, gems, precious and Protection do not apply to equipment, semi-precious stones, gold, platinum; and supplies and furnishings used in a b) furs, including any item coLntaining fur described office, private school or studio which represents its principal value. at your residence premises. This does not include electronic data processing The total amount of coverage and per Eitem equipment or the recording or storage limit is shown on the Policy Declarations. This media used with that equipment. amount is not in addition to the amount of insurance applying to Coverage C Personal The Coverage K limits are shown on the Policy Property Protection. However, in no event will Declarations. The first limit applies to property coverage be less than would have applied in on the residence premises. The second limit the absence of Coverage J. applies to property while away from the residence premises. These limits are not in We do not cover loss caused by or consisting D addition to Coverage C Personal Property of: Protection, Limitations On Certain Personal a) intentional or criminal acts of or at the Property on property used or intended for use direction of any insured person, if the Oin a business. The increased coverage does loss that occurs: not include property held for sample, sale or 1) may be reasonably expected to result delivery after sale. from such acts; or 2) is the intended result of such acts. b) CoCverage X Family Liability Protection b) wear and tear, gradual deterioration, and Coverage Y Guest Medical inherent vice, insects or vermin; Protection are extended to cover a c) nuclear action, meaning nuclear reaction, described office, private school or studio discharge, radiation or radioactive occupied Uby an insured person. The contamination or any consequence of any occupancy of the described property shall of these. Loss caused by nuclear action is not be considered a business. not considered a loss by fire, explosion or M smoke. We do cover sudden and We do not cover bodily injury to: accidental direct physical loss by fire a) any employee other than a residence resulting from nuclear action. employee; or d) war or warlike acts, including, but not E limited to, insurrection, rebellion or revolution. NPage 28 T b) any person arising out of corporal saddle animals, motorized land vehicles, punishment administered by or at the hovercrafts, aircraft or watercraft when direction of an insured person. owned, hired or operated by an insured S person or used for the purpose of 8. Coverage M instruction; or Increased Coverage On Money e) bodily injury to any person arising out of The limitation on money, bullion, bank notes, corporal punishment administered by or coins anAd other numismatic property, scrip, at the direction of an insured person stored value cards and smart cards under when an insured person is a member of Coverage C Personal Property Protection is the teaching staff or faculty of any school increased to theMamount shown on the Policy of instruction. Declarations. 10. Coverage S 9. Coverage P Increased Coverage On Securities Business Pursuits P The $1,000 limitation on accounts, bills, deeds, Coverage X Family Liability Protection and evidences of debt, letters of credit, notes other Coverage Y Guest Medical Protection are than bank notes, checks, cashier’s checks, extended to cover specified business pursuits traveler’s checks, passports, securities, of an insured person. L tickets, and stamps, including philatelic property, covered under Coverage C We do not cover: Personal Property Protection, is increased to a) bodily injury or property damageEarising the amount shown on the Policy Declarations. out of the business pursuits of an insured person when the business is owned or 11. Coverage SD financially controlled by the insured Satellite Dish Antennas person. This also means a partnership or Coverage C Personal Property Protection is joint venture of which an insured person extended to pay for sudden and accidental is a partner or member; direct physical loss to satellite dish antennas b) bodily injury or property damage arising and their systems on your residence out of the rendering of or failure to render D premises, subject to the provisions of a professional service of any nature, other Coverage C Personal Property Protection. than teaching; c) bodily injury to a fellow employee of an OThe amount of coverage is shown on the Policy insured person arising out of and in the Declarations. course of employment; d) bodily injury or property damage when 12. Coverage ST an insured person is a member of a IncreaseCd Coverage On Theft Of Silverware teaching staff or faculty of any school or The limitation on theft of goldware, silverware, college and the bodily injury or property pewterware and platinumware under damage arises out of the maintenance or Coverage C Personal Property Protection is use of saddle animals, vehicles used with increased to thUe amount shown on the Policy Declarations. M E NPage 29 T