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Home , Property insurance

Allstate Company S Standard HomeownersA PolicyM Policy: P Effective: Issued to: L E

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

AP1 N T Table of Contents

General Definitions Used In This Policy...... 2 and Our Liability ...... 11 InsuringSAgreement...... 3 What You Must Do After A Loss...... 11 Agreements We Make With You...... 4 Our Settlement Options...... 12 Conformity To State Statutes ...... 4 How We Pay For A Loss...... 12 Coverage Changes...... 4 Our Settlement Of Loss ...... 14 Policy Transfer .A...... 4 Appraisal...... 14 Continued Coverage After Your Death...... 4 Abandoned ...... 14 ...... 4 Permission Granted To You...... 14 Concealment Or Fraud ..M...... 5 Our Rights To Recover Payment...... 14 Our Rights To Obtain Salvage...... 14 Section I Your Property Suit Against Us...... 15 Loss To A Pair Or Set...... 15 Coverage A P Glass Replacement...... 15 Dwelling Protection No Benefit To Bailee...... 15 Property We Cover Under Coverage A ...... 5 Other Insurance...... 15 Property We Do Not Cover Under CoverLage A ...... 5 Property Insurance Adjustment...... 15 Mortgagee...... 15 Coverage B Other Structures Protection Section II Family Liability and Property We Cover Under Coverage B ...... E....5 Guest Medical Protection Property We Do Not Cover Under Coverage B ...... 5 Coverage X Coverage C Family Liability Protection Personal Property Protection Losses We Cover Under Coverage X ...... 16 Property We Cover Under Coverage C ...... 6 Losses We Do Not Cover Under Coverage X...... 16 Limitations On Certain Personal Property ...... 6 Property We Do Not Cover Under Coverage C ...... 6 DCoverage Y Losses We Cover Under Coverages A, B and C.....7 Guest Medical Protection Losses We Do Not Cover Under Losses We Cover Under Coverage Y ...... 18 Coverages A, B and C...... 8 LossesOWe Do Not Cover Under Coverage Y...... 18 Additional Protection Additional Protection Additional Living Expense...... 9 Claim Expenses ...... 19 and Check Forgery...... 10 Emergency FirCst Aid...... 20 Debris Removal...... 10 Damage To Property Of Others ...... 20 Emergency Removal Of Property...... 10 Fire Department Charges...... 10 Section II Conditions Temporary Repairs After A Loss...... 10 U What You Must Do After An Accidental Loss...... 20 Trees, Shrubs, Plants and Lawns...... 10 What An Injured Person Must Do Coverage Y Temperature Change...... 11 Guest Medical Protection...... 20 Arson Reward...... 11 Our Payment of Loss CoveMrage Y Land...... 11 Guest Medical Protection...... 20 Our Limits Of Liability...... 21 Section I Conditions Bankruptcy...... 21 ...... 11 E

NPage 1 T Our Rights To Recover Payment Coverage X a) any relative; and Family Liability Protection...... 21 b) any dependent person in your care. Suit Against Us...... 21 Other Insurance Coverage X Under Coverage X Family Liability Protection FamilySLiability Protection...... 21 and Coverage Y Guest Medical Protection, "insured person" also means: Section III Optional Protection c) any person or organization legally A responsible for loss caused by animals or Optional Coverages You May Buy watercraft covered by this policy which are Coverage BC owned by an insured person. We do not Building Codes...... 21 cover any person or organization using or Coverage DP M having custody of animals or watercraft in Increased Coverage On Electronic any business, or without permission of the Data Processing Equipment...... 21 owner. Coverage F d) with respect to the use of any vehicle Fire Department Charges...... P...... 21 covered by this policy, any person while Coverage G engaged in the employment of an insured Loss Assessments ...... 22 person. Coverage L Extended Coverage On Jewelry, Watches 4. "Bodily injury" means physical harm to the and Furs...... 22 body, including sickness or disease, and resulting Coverage K death, except that bodily injury does not include: Incidental Office, Private School Or Studio...... E..23 a) any venereal disease; Coverage LR b) Herpes; Lock Replacement...... 23 c) Acquired Immune Deficiency Syndrome Coverage M (AIDS); Increased Coverage On Money...... 23 d) AIDS Related Complex (ARC); Coverage P e) Human Immunodeficiency Virus (HIV); Business Pursuits...... 23 Coverage S Dor any resulting symptom, effect, condition, Increased Coverage On Securities...... 24 disease or illness related to (a) through (e) listed Coverage SD above. Satellite Dish Antennas...... 24 Coverage SE O Under Coverage Y Guest Medical Protection, Portable Cellular Communication Systems...... 24 bodily injury means physical harm to the body, Coverage ST including sickness or disease, except that bodily Increased Coverage On Theft Of Silverware...... 24 injury doeCs not include: a) any venereal disease; Definitions Used In This Policy b) Herpes; 1. "You" or "your" means the person named on c) Acquired Immune Deficiency Syndrome the Policy Declarations as the insured and that (AIDS); U person’s resident spouse. d) AIDS Related Complex (ARC); e) Human Immunodeficiency Virus (HIV); 2. "Allstate, " "we, " "us, " or "our" means the M company named on the Policy Declarations. or any resulting symptom, effect, condition, disease or illness related to (a) through (e) listed 3. "Insured person(s) " means you and, if a above. resident of your household: E

NPage 2 T 5. "Building structure" means a structure with 6) any premises used by an insured walls and a roof. person in connection with the residence premises; 6. "Business" means: 7) any part of a premises occasionally a) Sany full or part-time activity of any kind rented to an insured person for other engaged in for economic gain including the than business purposes. use of any part of any premises for such purpoAses. The providing of home day care 9. "Occurrence" means an accident, including services to other than an insured person or continuous or repeated exposure to substantially relative of an insured person for economic the same general harmful conditions, during the gain is also a business. However, the mutual policy period, resulting in bodily injury or exchange of hMome day care services is not property damage. considered a business; b) any property rented or held for rental by an 10. "Property damage" means physical injury to insured person. Rental of your residence or destruction of tangible property, including loss premises is not consiPdered a business of its use resulting from such physical injury or when: destruction. 1) it is rented occasionally for residential purposes; L 11. "Residence employee" means an employee of 2) a portion is rented to not more than two an insured person while performing duties roomers or boarders; or arising out of and in the course of employment in 3) a portion is rented as a private garage. connection with the maintenance or use of your E residence premises. This includes similar duties 7. "Residence premises" means the dwelling, performed elsewhere for an insured person, not other structures and land located at the address in connection with the business of an insured stated on the Policy Declarations. person.

8. "Insured premises" means: 12. "Dwelling" means a one, two, three or four a) the residence premises; and family building, identified as the insured property b) under Section II only: Don the Policy Declarations, where you reside and 1) the part of any other premises, other which is principally used as a private residence. structures and grounds used by you as a residence. This includes premises, InsurOing Agreement structures and grounds you acquire for In reliance on the information you have given us, your use as a private residence while Allstate agrees to provide the coverages indicated on this policy is in effect; the Policy Declarations. In return, you must pay the 2) any part of a premises not owned by an premium whenCdue and comply with the policy terms insured person but where an insured and conditions, and inform us of any change in title, person is temporarily living; use or occupancy of the residence premises. 3) cemetery plots or burial vaults owned U by an insured person; Subject to the terms of this policy, the Policy 4) vacant land, other than farmland, Declarations shows the location of the residence owned by or rented to an insured premises, applicable coverages, limits of liability and person; premiums. The policy applies oMnly to losses or 5) land owned by or rented to an insured occurrences that take place during the policy period. person where a one, two, three or four The policy period is shown on the Policy Declarations. family dwelling is being built as that This policy is not complete without theEPolicy person’s residence; Declarations.

NPage 3 T The terms of this policy impose joint obligations on the Policy Transfer person named on the Policy Declarations as the You may not transfer this policy to another person insured and on that person’s resident spouse. These without our written consent. persons are defined as you or your. This means that the respSonsibilities, acts and omissions of a person Continued Coverage After Your Death defined as you or your will be binding upon any other If you die, coverage will continue until the end of the person defined as you or your. premium period for: 1) your legal representative while acting as such, but The terms of thisApolicy impose joint obligations on only with respect to the residence premises and persons defined as an insured person. This means property covered under this policy on the date of that the responsibilities, acts and failures to act of a your death; person defined as an insured person will be binding M 2) an insured person, and any person having upon another person defined as an insured person. proper temporary custody of your property until a legal representative is appointed and qualified. Agreements We Make WiPth You We make the following agreements with you: Cancellation Your Right to Cancel: Conformity To State Statutes You may cancel this policy by notifying us of the future When the policy provisions conflict withLthe statutes of date you wish to stop coverage. the state in which the residence premises is located, the provisions are amended to conform to such Our Right to Cancel: statutes. E Allstate may cancel this policy by mailing notice to you at the mailing address shown on the Policy Coverage Changes Declarations. When this policy has been in effect for When Allstate broadens coverage during the less than 60 days, and it is not a renewal with us, we premium period without charge, you have the new may cancel this policy for any reason by giving you at features if you have the coverage to which they apply. least 10 days notice before the cancellation takes Otherwise, the policy can be changed only by effect. endorsement. D When the policy has been in effect for 60 days or The coverage provided and the premium for the policy more, or if it is a renewal with us, we may cancel this is based on information you have given us. You agree policy for one or more of the following reasons: to cooperate with us in determining if this information 1) noOn-payment of premium; is correct and complete. You agree that if this 2) the policy was obtained by misrepresentation, information changes, is incorrect or incomplete, we fraud or concealment of material facts; may adjust your coverage and premium accordingly 3) material mCisrepresentation, fraud or concealment during the policy period. of material facts in presenting a claim, or violation of any of the policy terms; or Any calculation of your premium or changes in your 4) there has been a substantial change or increase in coverage will be made using the rules, rates and forms hazard in the riskUwe originally accepted. on file, if required, for our use in your state. The rates in effect at the beginning of your current premium If the cancellation is for non-payment of premium, we period will be used to calculate any change in your will give you at least 10 days nMotice. If the cancellation premium. is for any of the other reasons, we will give you at least 30 days notice. E

NPage 4 T Our mailing the notice of cancellation to you will be Property We Do Not Cover Under Coverage deemed proof of notice. Coverage under this policy A: will terminate on the effective date and hour stated on 1. Any structure including fences or other property the cancellation notice. Your return premium, if any, covered under Coverage B Other Structures will be cSalculated on a basis and refunded at Protection. the time of cancellation or as soon as possible. However, refund of unearned premium is not a condition of cancellation. 2. Land, except as specifically provided in Section I A Additional Protection under item 10, "Land. " Our Right Not to Renew or Continue: Allstate has the right not to renew or continue the 3. Satellite dish antennas and their systems, policy beyond the currenMt premium period. If we do whether or not attached to your dwelling. not intend to continue or renew the policy, we will mail you notice at least 30 days before the end of the Coverage B premium period. Our mailing the notice of nonrenewal Other Structures Protection to you will be deemed proof of nPotice. Property We Cover Under Coverage B: Concealment Or Fraud 1. Structures at the address shown on the Policy This policy is void if it was obtained by L Declarations separated from your dwelling by misrepresentation, fraud or concealment of material clear space. facts. If it is determined that this policy is void, all premiums paid will be returned to you since theEre has 2. Structures attached to your dwelling by only a been no coverage under this policy. fence, utility line, or similar connection.

We do not cover any loss or occurrence in which any 3. Construction materials and supplies at the insured person has concealed or misrepresented any address of the residence premises for use in material fact or circumstance. connection with other structures. Section I YourProperty DProperty We Do Not Cover Under Coverage B: Coverage A 1. Structures used in whole or in part for business purposes. Dwelling Protection O 2. Any structure or other property covered under Property We Cover Under Coverage A: Coverage A Dwelling Protection. 1. Your dwelling including attached structures. C Structures connected to your dwelling by only a 3. Land, no matter where located, or the fence, utility line, or similar connection are not replacement, rebuilding, restoration, stabilization considered attached structures. or value of any suUch land. 2. Construction materials and supplies at the 4. Construction materials and supplies at the residence premises for use in connection with address of the residence premises for use in your dwelling. connection with the dwelMling. 5. Satellite dish antennas and their systems, whether or not attached to buildinEg structures.

NPage 5 T Coverage C than silverware, platinum and furs, Personal Property Protection including any item containing fur which represents its principal value. ProperSty We Cover Under Coverage C: 1. Personal property owned or used by an insured 6. $1,000 Theft of silverware, pewterware person anywhere in the world. When personal and goldware. property is located at a residence other than the residence Apremises, coverage is limited to 10% 7. $1,000 Trading cards, subject to a of Coverage C Personal Property Protection. maximum amount of $250 per This limitation does not apply to personal card. property in a newlyMacquired principal residence for the 30 days immediately after you begin to 8. $1,000 Theft of firearms. move property there or to personal property in student dormitory, fraternity or sorority housing. 9. $1,000 Manuscripts, including documents P stored on electronic media. 2. At your , personal property owned by a guest or residence employee while the property 10. $ 500 Any motorized land vehicle parts, is in a residence you are occupyingL. equipment or accessories not attached to or located in or upon Limitations On Certain Personal Property: any motorized land vehicle. Limitations apply to the following groups of personal property. If personal property can reasonably beE 11. $ 3,000 Electronic data processing considered as part of two or more of the groups listed equipment and the recording or below, the lowest limit will apply. These limitations do storage media used with that not increase the amount of insurance under Coverage equipment. Recording or storage C Personal Property Protection. The total amount media will be covered only up to: of coverage for each group in any one loss is as a) the value of the media, if follows: pre-programmed; or D b) the retail value of the media in 1. $ 100 Money, bullion, notes, coins blank or unexposed form, if and other numismatic property. O blank or self-programmed. 2. $ 500 Accounts, bills, , evidences 12. $10,000 Theft of rugs, including, but not of debt, letters of credit, notes limited to any handwoven silk or other than bank notes, passports, wool rug, carpet, tapestry, wall- securities, tickets, and stamps, Changing or other similar article including philatelic property. whose principal value is determined by its color, design, 3. $ 500 Watercraft, including their attached quality of wool or silk, quality of or unattached trailers, furnishings, weUaving, condition or age; subject equipment, parts and motors. to a maximum amount of $2,500 per item. 4. $ 500 Trailers not used with watercraft. M Property We Do Not Cover Under Coverage 5. $ 500 Theft of jewelry, watches, precious C: and semi-precious stones, gold 1. Personal property specifically described and other than goldware, silver other E insured by this or any other insurance.

NPage 6 T 1. Fire or Lightning. 2. Animals. 2. Windstorm or Hail. 3. Motorized land vehicles, including, but not limited to aSny land vehicle powered or assisted by a We do not cover: motor or engine. We do not cover any motorized a) loss to the interior of a building structure, or land vehicle parts, equipment or accessories covered property inside, caused by rain, attached to or located in or upon any motorized snow, sleet, sand or dust unless the wind or land vehicleA. We do cover motorized land vehicles hail first damages the roof or walls and the designed for assisting the handicapped or used wind forces rain, snow, sleet, sand or dust solely for the service of the insured premises and through the damaged roof or wall; not licensed for useMon public roads. b) loss to watercraft and their trailers, furnishings, equipment and motors unless 4. Aircraft and aircraft parts. This does not include inside a fully enclosed building structure. model or hobby craft not designed to carry However, we do cover canoes and rowboats people or . P on the residence premises.

5. Property of roomers, boarders, tenants not 3. Explosion. related to an insured person. L 4. Riot or Civil Commotion, including pillage and 6. Property located away from the residence looting during, and at the site of, the riot or civil premises and rented or held for rental to oEthers. commotion. 7. Business property whether at or away from the 5. Aircraft, including self-propelled missiles and residence premises. spacecraft.

8. Property held as samples or for sale or delivery 6. Vehicles. after a sale. 7. Smoke. 9. Any device, cellular communication system, radar D signal reception system, accessory or antenna We do not cover loss caused by smoke from the designed for reproducing, detecting, receiving, of controlled substances, transmitting, recording or playing back data, agricultural smudging or industrial operations. sound or picture which may be powered by O electricity from a motorized land vehicle or 8. Vandalism and Malicious Mischief. watercraft and while in or upon a motorized land We do not cover vandalism or malicious mischief vehicle or watercraft. if your dwCelling has been vacant or unoccupied for more than 30 consecutive days immediately 10. Satellite dish antennas and their systems. prior to the vandalism or malicious mischief. A dwelling under construction is not considered Losses We Cover Under Coverages A, B vacant or unoccuUpied. and C: 9. Theft, or attempted theft, including disappearance We will cover sudden and accidental direct physical of property from a known place when it is likely loss to the property described in Coverage A M that a theft has occurred. Any theft must be Dwelling Protection, Coverage B Other Structures promptly reported to the police. Protection and Coverage C Personal Property We do not cover: Protection except as limited or excluded in this policy, E caused by:

NPage 7 T a) theft or attempted theft committed by an 4. Water or any other substance on or below the insured person; surface of the ground, regardless of its source. b) theft in or from the residence premises This includes water or any other substance which while under construction or of materials and exerts pressure on, or flows, seeps or leaks Ssupplies for use in construction, until the through any part of the residence premises. dwelling is completed and occupied; c) theft of any property while at any other We do cover sudden and accidental direct residence owned, rented to or occupied by physical loss caused by fire, explosion or theft an insAured person unless the insured resulting from items 1 through 4 listed above. person is temporarily residing there; d) theft of trailers, campers, watercraft, 5. Earth movement of any type, including, but not including furnMishings, equipment and limited to earthquake, volcanic eruption, lava flow, outboard motors, away from the residence landslide, subsidence, mudflow, pressure, premises; sinkhole, erosion, or the sinking, rising, shifting, e) theft from that part of the residence creeping, expanding, bulging, cracking, settling or premises rented by yoPu to other than an contracting of the earth. This exclusion applies insured person. whether or not the earth movement is combined with water. 10. Breakage of glass which is part of tLhe covered building structure. We pay a maximum of $50 We do cover sudden and accidental direct for each occurrence. physical loss caused by fire, explosion, theft or breakage of glass or safety glazing materials We do not cover loss to glass if the covereEd resulting from earth movement. building structure has been vacant for more than 30 consecutive days prior to the loss. 6. Enforcement of any building codes, ordinances or laws regulating the construction, reconstruction, Losses We Do Not Cover Under Coverages maintenance, repair, placement or demolition of any building structure, other structure or land at A, B and C: the residence premises. We do not cover loss to the property described in D Coverage A Dwelling Protection, Coverage B We do cover sudden and accidental direct Other Structures Protection and Coverage C physical loss to covered property caused by Personal Property Protection caused by or consisting actions of civil authority to prevent the spread of of: firOe. 1. , including, but not limited to surface water, waves, tidal water or overflow of any body of 7. The failure by any insured person to take all water, or spray from any of these, whether or not reasonabCle steps to save and preserve property driven by wind. when the property is endangered by a cause of loss we cover. 2. Water or any other substance that backs up through sewers or drains. 8. Any substantial chUange or increase in hazard, if changed or increased by any means within the 3. Water or any other substance that overflow from control or knowledge of an insured person. a sump pump, sump pump well or other system M designed for the removal of subsurface water 9. Intentional or criminal acts of or at the direction of which is drained from a foundation area of a any insured person, if the loss that occurs: structure. a) may be reasonably expected to result from such acts; or E

NPage 8 T b) is the intended result of such acts. b) the predominant cause(s) of loss is (are) excluded under Losses We Do Not Cover, This exclusion applies regardless of whether or items 1 through 14 above. not the insured person is actually charged with or AdditionalProtection conSvicted of a crime. 10. Nuclear action, meaning nuclear reaction, 1. Additional Living Expense discharge, radiation or radioactive contamination, a) We will pay the reasonable increase in living or any consAequence of any of these. Loss caused expenses necessary to maintain your normal by nuclear action is not considered loss by fire, standard of living when a direct physical loss explosion or smoke. we cover makes your residence premises M uninhabitable. We do cover sudden and accidental direct physical loss by fire resulting from nuclear action. Payment for covered additional living expense will be limited to the least of the 11. Vapors, fumes, acids, toxicPchemicals, toxic following: gasses, toxic liquids, toxic solids, waste materials 1) the time period required to repair or or other irritants, contaminants or pollutants. replace the property we cover, using due diligence and dispatch; or L 2) if you permanently relocate, the 12. War or warlike acts, including, but not limited to insurrection, rebellion or revolution. shortest time for your household to settle elsewhere; 13. Weather Conditions that contribute in any wEay 3) 12 months. with a cause of loss excluded in this section to b) We will pay your lost fair rental income produce a loss. resulting from a covered loss, less charges and expenses which do not continue, when 14. Planning, Construction or Maintenance, meaning a loss we cover makes the part of the faulty, inadequate or defective: residence premises you rent to others, or a) planning, , development, surveying, hold for rental, uninhabitable. We will pay for siting; D lost fair rental income for the shortest time b) design, specifications, workmanship, repair, required to repair or replace the part rented construction, renovation, remodeling, or held for rental but not to exceed 12 grading, compaction; months. c) materials used in repair, construction, c)OWe will pay the reasonable and necessary renovation or remodeling; or increase in living expenses and the lost fair d) maintenance; rental income for up to two weeks should civil Cauthorities prohibit the use of the of property whether on or off the residence residence premises due to a loss at a premises by any person or organization. neighboring premises caused by a peril we insure against. 15. We do not cover loss to covered property U described in Coverage A Dwelling Protection, These periods of time are not limited by the Coverage B Other Structures Protection or termination of this policy. Coverage C Personal Property Protection M when: We do not cover any lost income or expense due a) there are two or more causes of loss to the to the cancellation of a or agreement. covered property; and No deductible applies to this proteEction.

NPage 9 T 2. Credit Card and Check Forgery We have the option to defend an insured person We will pay for loss: or the insured person’s bank against a suit for a) that an insured person is legally required to the enforcement of payment covered under pay for the unauthorized use of any credit paragraph 2(b) of this protection. The defense will Scard issued to or registered in the name of be at our expense, with counsel of our choice. an insured person; b) caused by forgery or alteration of a check or No deductible applies to this protection. negotiable instrument made or drawn upon an insAured person’s account. 3. Debris Removal We will pay reasonable expenses you incur to Our maximum limit of liability for any one loss is remove debris of covered property damaged by a $1,000. All loss dueMto forgery or unauthorized loss we cover. If the loss to the covered property use by or involving any one person is considered and the cost of debris removal are more than the one loss. limit of liability shown on the Policy Declarations for the covered property, we will pay up to an We do not cover: P additional 5% of that limit for debris removal. a) loss arising from any business of an insured person; 4. Emergency Removal Of Property b) loss caused by or at the directLion of an We will pay for sudden and accidental direct insured person or any other person who physical loss to covered property from any cause has been entrusted with any credit card; while removed from a premises because of c) loss arising out of dishonesty of an insured danger from a loss we cover. Protection is limited person. E to a 30-day period from date of removal. This protection does not increase the limit of liability When loss is discovered, the insured person that applies to the covered property. must give us immediate written notice. If the loss involves a credit card or charge plate the insured 5. Fire Department Charges person must also give immediate written notice We will pay up to $250 for service charges made to the company or bank that issued the card or by fire departments called to protect your plate. Failure to comply with the terms and Dproperty from a loss we cover at the residence conditions of the card or plate voids this premises. No deductible applies to this protection. protection. We will pay only for loss occurring during the O policy period, including those losses discovered 6. Temporary Repairs After A Loss and reported to us within one year after the policy We will reimburse you up to $5,000 for the has terminated. We have the right to investigate reasonable and necessary cost you incur for and settle any claim or suit as we deem temporarCy repairs to protect covered property appropriate. Full payment of the amount of from further imminent covered loss following a insurance for any one loss ends our obligation loss we cover. This coverage does not increase under each claim or suit arising from the loss. the limit of liability applying to the property being repaired. U We will defend any suit brought against an insured person for the enforcement of payment 7. Trees, Shrubs, Plants and Lawns covered under paragraph 2(a) of this protection. We will pay up to an addiMtional 5% of the limit of The defense will be at our expense, with counsel liability shown on the Policy Declarations under of our choice. the Coverage A Dwelling Protection for loss to trees, shrubs, plants and lawns at the address of the residence premises. We wEill not pay more

NPage 10 T than $250 for any one tree, shrub, or plant including expenses incurred for removing debris. Section I Conditions This coverage applies only to direct physical loss caused by fire or lightning, explosion, riot or civil 1. Deductible comSmotion, aircraft, vehicles not owned by an We will pay only when a covered loss exceeds the occupant of the residence premises, vandalism deductible shown on the Policy Declarations. We or malicious mischief or theft. will then pay only the excess amount, unless we have indicated otherwise in this policy. We do notAcover trees, shrubs, plants, or lawns grown for business purposes. 2. Insurable Interest and Our Liability In the event of a covered loss, we will not pay for 8. Temperature ChanMge more than an insured person’s insurable interest We will pay for loss to covered personal property in the property covered, nor more than the in a building structure at the residence premises amount of coverage afforded by this policy. resulting from a change in temperature. The change in temperature musPt result from a 3. What You Must Do After A Loss covered loss to the building structure. In the event of a loss to any property that may be covered by this policy, you must: This coverage does not increase thLe limit of a) promptly give us or our agent notice. Report liability applying to the damaged property. any theft to the police as soon as possible. If the loss involves a credit card or charge plate 9. Arson Reward give written notice to the company or bank We will pay up to $5,000 for information leEading that issued the card or plate. to an arson conviction in connection with a fire b) protect the property from further loss. Make loss to property covered under Section I of this any reasonable repairs necessary to protect policy. The $5,000 limit applies regardless of the it. Keep an accurate record of any repair number of persons providing information. expenses. c) separate damaged from undamaged 10. Land personal property. Give us a detailed list of If a sudden and accidental direct physical loss D the damaged, destroyed or stolen property, results in both a covered loss to the dwelling, showing the quantity, cost, actual cash value other than the breakage of glass or safety glazing and the amount of loss claimed. material, and a loss of land stability, we will pay d) give us all accounting records, bills, invoices up to $10,000 as an additional amount of Oand other vouchers, or certified copies, insurance for repair costs associated with the which we may reasonably request to land. This includes the costs required to replace, examine and permit us to make copies. rebuild, stabilize or otherwise restore the land e) prodCuce receipts for any increased costs to necessary to support that part of the dwelling maintain your standard of living while you sustaining the covered loss. reside elsewhere, and records supporting any claim for loss of rental income. The Section I Losses We Do Not Cover Under f) as often as wUe reasonably require: Coverages A, B and C reference to earth 1) show us the damaged property. movement does not apply to the loss of land 2) at our request, submit to examinations stability provided under this Additional Protection. under oath, separately and apart from any other persoMn defined as you or insured person and sign a transcript of the same. 3) produce representativeEs, employees, members of the insured’s household or

NPage 11 T others to the extent it is within the a) Special Payment. At our option, we may insured person’s power to do so; and make payment for a covered loss before you g) within 60 days after the loss, give us a repair, rebuild or replace the damaged, signed, sworn proof of the loss. This destroyed or stolen property if: Sstatement must include the following 1) the whole amount of loss for property information: covered under Coverage A 1) the date, time, location and cause of Dwelling Protection and Coverage B loAss; Other Structures Protection, without 2) the interest insured persons and others deduction for depreciation, is less than have in the property, including any $2,500 and if the property is not ; excluded from the Building Structure 3) the actuaMl cash value and amount of Reimbursement provision, or; loss for each item damaged, destroyed 2) the whole amount of loss for property or stolen; covered under Coverage C 4) any other insurance that may cover the Personal Property Protection, without loss; P deduction for depreciation, is less than 5) any changes in title, use, occupancy or $2,500 and if your Policy Declarations possession of the property that have shows that the Personal Property occurred during the policLy period; Reimbursement provision applies, and 6) at our request, the specifications of any the property is not excluded from the damaged building structure or other Personal Property Reimbursement structure; provision. 7) evidence supporting any claim unEder the Credit Card or Check Forgery b) Actual Cash Value. If you do not repair or protection. State the cause and amount replace the damaged, destroyed or stolen of loss. property, payment will be on an actual cash value basis. This means there may be a 4. Our Settlement Options deduction for depreciation. Payment will not In the event of a covered loss, we have the option exceed the limit of liability shown on the to: D Policy Declarations for the coverage that a) repair, rebuild or replace all or any part of the applies to the damaged, destroyed or stolen damaged, destroyed or stolen property with property, regardless of the number of items property of like kind and quality within a involved in the loss. reasonable time; or O b) pay for all or any part of the damaged, You may make claim for additional payment destroyed or stolen property as described in as described in paragraph "c, " and Condition 5. "How We Pay For A Loss. " paraCgraph "d" below, if applicable, if you repair or replace the damaged, destroyed or Within 30 days after we receive your signed, stolen covered property within 180 days of sworn proof of loss we will notify you of the the actual cash value payment. option or options we intend to exercise. U c) Building Structure Reimbursement. 5. How We Pay For A Loss Under Coverage A Dwelling Protection Under Coverage A Dwelling Protection, and Coverage B MOther Structures Coverage B Other Structures Protection and Protection, we will make additional payment Coverage C Personal Property Protection, to reimburse you for cost in excess of actual payment for covered loss will be by one or more cash value if you repair, rebuild or replace of the following methods. damaged, destroyed or stoleEn covered

NPage 12 T property within 180 days of the actual cash Building Structure Reimbursement will not value payment. This additional payment apply to: includes the reasonable and necessary 1) property covered under Coverage C expense for treatment or removal and Personal Property Protection; Sdisposal of contaminants, toxins or 2) property covered under Coverage B pollutants as required to complete repair or Other Structures Protection that is not replacement of that part of a building a building structure; structuAre damaged by a covered loss. 3) land. Building Structure Reimbursement will not Payment under "a, " "b, " or "c" above will not exceed the smallest of the following include any increased cost due to the amounts: M enforcement of building codes, ordinances 1) the replacement cost of the part(s) of or laws regulating the construction, the building structure(s) with reconstruction, maintenance, repair, equivalent construction for similar use relocation or demolition of building on the same premPises; structures or other structures. 2) the amount actually and necessarily spent to repair or replace the damaged d) Personal Property Reimbursement. When building structure(s) withLequivalent the Policy Declarations show that the construction for similar use on the Personal Property Reimbursement provision same residence premises; or applies under Coverage C Personal 3) the limit of liability applicable to the Property Protection, we will make additional building structure(s) as shown oEn the payment to reimburse you for cost in excess Policy Declarations for Coverage A of actual cash value if you repair, rebuild or Dwelling Protection or Coverage B replace damaged, destroyed or stolen Other Structures Protection, regardless covered personal property or wall-to-wall of the number of building structures carpeting within 180 days of the actual cash and structures other than building value payment. structures involved in the loss. D Personal Property Reimbursement payment If you replace the damaged building will not exceed the smallest of the following structure(s) at an address other than shown amounts: on the Policy Declarations through O1) the amount actually and necessarily construction of a new structure or purchase spent to repair or replace the property of an existing structure, such replacement with similar property of like kind and will not increase the amount payable under quality; Building Structure Reimbursement 2) Cthe cost of repair or restoration; or described above. The amount payable under 3) the limit of liability shown on the Policy Building Structure Reimbursement Declarations for Coverage C described above does not include the value Personal Property Protection, or any of any land associated with the replacement specialUlimit of liability described in the structure(s). policy, regardless of the number of items of personal property involved in Building Structure Reimbursement payment the loss. M will be limited to the difference between any actual cash value payment made for the Personal Property Reimbursement will be covered loss to building structures and the limited to the difference between any actual smallest of 1), 2) or 3) above. cash value payment made foEr the covered

NPage 13 T loss to personal property and the smallest of upon shall be the amount of loss. If they cannot 1), 2), or 3) above. agree, they will submit their differences to the umpire. A written award agreed upon by any two Personal Property Reimbursement will not will determine the amount of loss. Sapply to: 1) property insured under Coverage A Each party will pay the appraiser it chooses, and Dwelling Protection and Coverage equally bear expenses for the umpire and all other B Other Structures Protection, appraisal expenses. eAxcept wall-to-wall carpeting; 2) antiques, fine arts, paintings, statuary 8. Abandoned Property and similar articles which, by their We are not obligated to accept any property or inherent nMature, cannot be replaced; responsibility for any property abandoned by an 3) articles whose age or history contribute insured person. substantially to their value. This includes but is not limited to 9. Permission Granted To You memorabilia, souPvenirs and collector’s a) The residence premises may be vacant or items; or unoccupied for any length of time, except 4) property that was obsolete or unusable where a time limit is indicated in this policy for the originally intendedLpurpose for specific perils. A building structure under because of age or condition prior to the construction is not considered vacant. loss. b) You may make alterations, additions or repairs, and you may complete structures 6. Our Settlement Of Loss E under construction. We will settle any covered loss with you unless another payee is named in the policy. We will 10. Our Rights To Recover Payment settle within 60 days after the amount of loss is When we pay for any loss, an insured person’s finally determined. This amount may be right to recover from anyone else becomes ours determined by an agreement between you and up to the amount we have paid. An insured us, an appraisal award or a court judgment. person must protect these rights and help us Denforce them. You may waive your rights to 7. Appraisal recover against another person for loss involving If you and we fail to agree on the amount of loss, the property covered by this policy. This waiver either party may make written demand for an must be in writing prior to the date of loss. appraisal. Upon such demand, each party must O select a competent and impartial appraiser and 11. Our Rights To Obtain Salvage notify the other of the appraiser’s identity within We have the option to take all or any part of the 20 days after the demand is received. The damagedCor destroyed covered property upon appraisers will select a competent and impartial replacement by us or payment of the agreed or umpire. If the appraisers are unable to agree upon appraised value. an umpire within 15 days, you or we can ask a judge of a court of record in the state where the We will notify youUof our intent to exercise this residence premises is located to select an option within 30 days after we receive your umpire. signed sworn, proof of loss. The appraisers shall then determine the amount M of loss, stating separately the actual cash value When we settle any loss caused by theft or and the amount of loss to each item. If the disappearance, we have the right to obtain all or appraisers submit a written report of an part of any property which may be recovered. An agreement to you and to us, the amount agreed insured person must protect thisEright and

NPage 14 T inform us of any property recovered. We will The limit of liability for Coverage A Dwelling inform you of our intent to exercise this right Protection for the succeeding premium period within 10 days of your notice of recovery to us. will be determined by changing the existing limit in proportion to the change in the Index between 12. SuiSt Against Us the time the existing limit was established and the No suit or action may be brought against us time the change is made. The resulting amount unless there has been full compliance with all will be rounded to the nearest $1,000. policy terms. Any suit or action must be brought within one yAear after the inception of loss or Adjustment in the limit of liability for Coverage A damage. Dwelling Protection will result in an adjustment in the limit of liability for Coverage B 13. Loss To A Pair Or SMet Other Structures Protection and Coverage C If there is a covered loss to a pair or set, we may: Personal Property Protection in accordance a) repair or replace any part of the pair or set to with the Allstate manual of Rules and Rates. restore it to its actual cash value before the loss; or P We will not reduce the limit of liability shown on b) pay the difference between the actual cash the Policy Declarations without your consent. value of the pair or set before and after the loss. L Any adjustment in premium resulting from the application of this condition will be made based 14. Glass Replacement on premium rates in use by Allstate at the time a Payment for loss to covered glass includes the change in limits is made. cost of using safety glazing materials whenE required by law. Allstate has the right to change to another cost index or to withdraw this condition as of a policy 15. No Benefit To Bailee anniversary date by giving you at least 30 days This insurance will not benefit any person or notice. This applies only if the change or organization who may be caring for or handling withdrawal applies to all similar policies issued by your property for a fee. DAllstate in your state. 16. Other Insurance 18. Mortgagee If both this insurance and other insurance apply A covered loss will be payable to the mortgagees to a loss, we will pay the proportionate amount naOmed on the Policy Declarations, to the extent of that this insurance bears to the total amount of all their interest and in the order of precedence. All applicable insurance. However, in the event of a provisions of Section I of this policy apply to loss by theft, this insurance shall be excess over these mortgagees. any other insurance that covers loss by theft. We will: C a) protect the mortgagee’s interest in a covered 17. Property Insurance Adjustment building structure in the event of an increase When the Policy Declarations indicates that the in hazard, intentional or criminal acts of, or Property Insurance Adjustment condition applies: U directed by, an insured person, failure by any insured person to take all reasonable The limit of liability shown on the Policy steps to save and preserve property after a Declarations for Coverage A Dwelling loss, a change in owMnership, or if Protection will be revised at each policy the mortgagee has no knowledge of these anniversary to reflect the rate of change in the conditions; and Index identified on the Policy Declarations. b) give the mortgagee at least 10 days notice if we cancel this policy. E

NPage 15 T The mortgagee will: be expected to result from the intentional or a) furnish proof of loss within 60 days after criminal acts or omissions of, any insured notice of the loss if an insured person fails person. This exclusion applies even if: to do so; a) such insured person lacks the mental b) Spay upon demand any premium due if an capacity to govern his or her own conduct; insured person fails to do so; b) such bodily injury or property damage is of c) notify us in writing of any change of a different kind or degree than intended or ownership or occupancy or any increase in reasonably expected; or hazardAof which the mortgagee has c) such bodily injury or property damage is knowledge; sustained by a different person than d) give us the mortgagee’s right of recovery intended or reasonably expected. against any paMrty liable for loss; and e) after a loss, and at our option, permit us to This exclusion applies regardless of whether or satisfy the mortgage requirements and not such insured person is actually charged with, receive full transfer ofPthe mortgage. or convicted of a crime. This mortgagee interest provision shall apply to 2. We do not cover bodily injury to an insured any trustee or loss payee or other secured party. person or property damage to property owned L by an insured person whenever any benefit of this coverage would accrue directly or indirectly Section II Family Liability and to an insured person. GuestMedicalProtection E 3. We do not cover bodily injury to any person eligible to receive benefits required to be provided Coverage X or voluntarily provided by an insured person Family Liability Protection under any workers’ compensation, non- occupational disability or occupational disease Losses We Cover Under Coverage X: law. Subject to the terms, conditions and limitations of this policy, Allstate will pay damages which an insured D4. We do not cover bodily injury or property person becomes legally obligated to pay because of damage arising out of the ownership, bodily injury or property damage arising from an maintenance, use, occupancy, renting, loaning, entrusting, loading or unloading of aircraft. occurrence to which this policy applies, and covered O by this part of the policy. 5. We do not cover bodily injury or property We may investigate or settle any claim or suit for damage arising out of the ownership, maintenance, use, occupancy, renting, loaning, covered damages against an insured person. If an C entrusting, loading or unloading of any motor insured person is sued for these damages, we will vehicle or trailer. However, this exclusion does provide a defense with counsel of our choice, even if not apply to: the allegations are groundless, false or fraudulent. We a) a motor vehiUcle in dead storage or used are not obligated to pay any claim or judgment after exclusively on an insured premises; we have exhausted our limit of liability. b) any motor vehicle designed principally for recreational use off pMublic roads, unless that Losses We Do Not Cover Under Coverage vehicle is owned by an insured person and X: is being used away from an insured 1. We do not cover any bodily injury or property premises; damage intended by, or which may reasonably c) a motorized wheel chair; E

NPage 16 T d) a vehicle used to service an insured 8. We do not cover any bodily injury which results premises which is not designed for use on in any manner from the discharge, dispersal, public roads and not subject to motor release or escape of vapors, fumes, acids, toxic vehicle registration; chemicals, toxic gasses, toxic liquids, toxic solids, e) Sa golf cart owned by an insured person waste materials or other irritants, contaminants or when used for golfing purposes; pollutants. f) a trailer of the boat, camper, home or utility type unless it is being towed or carried by a We do cover bodily injury which results from motorAized land vehicle; such discharge if the discharge is sudden and g) lawn and garden implements under 40 accidental. horsepower; h) bodily injury tMo a residence employee. 9. We do not cover any property damage consisting of or caused by vapors, fumes, acids, 6. We do not cover bodily injury or property toxic chemicals, toxic gasses, toxic liquids, toxic damage arising out of the ownership, solids, waste materials or other irritants, maintenance, use, occupanPcy, renting, loaning, contaminants or pollutants. entrusting, loading or unloading of watercraft away from an insured premises if the watercraft: 10. We do not cover any bodily injury or property a) has inboard or inboard-outboLard motor damage arising out of any liability statutorily power of more than 50 horsepower; imposed upon any insured person in any b) is a sailing vessel 26 feet or more in length; manner, consisting of or caused by vapors, c) is powered by one or more outboard motors fumes, acids, toxic chemicals, toxic gasses, toxic with more than 25 total horsepower; E liquids, toxic solids, waste materials or other d) is designated as an airboat, air cushion, or irritants, contaminants or pollutants. similar type of watercraft; or e) is a personal watercraft, meaning a craft 11. We do not cover bodily injury or property propelled by a water jet pump engine and damage arising out of the rendering of, or failure designed to be operated by a person or to render, by an insured persons sitting, standing or kneeling on the person. craft. D 12. We do not cover bodily injury or property This exclusion does not apply to bodily injury to damage arising out of the past or present a residence employee. buOsiness activities of an insured person. 7. We do not cover bodily injury or property We do cover the occasional or part-time damage arising out of: business activities of an insured person who is a a) the negligent supervision by an insured student uCnder 21 years of age. person of any person; or b) any liability statutorily imposed on any 13. We do not cover bodily injury or property insured person damage arising out of any premises, other than an insured premiUses, owned, rented or arising from the ownership, maintenance, controlled by an insured person. This exclusion use, occupancy, renting, loaning, entrusting, does not apply to bodily injury to a residence loading or unloading of any aircraft, employee. M watercraft, motor vehicle or trailer which is not covered under Section II of this policy. 14. We do not cover property damage to property rented to, occupied or used by, or in the care of, an insured person. This exclusioEn does not apply

NPage 17 T if the property damage is caused by fire, a) such insured person lacks the mental explosion or smoke. capacity to govern his or her own conduct; b) such bodily injury is of a different kind or 15. We do not cover any liability an insured person degree than intended or reasonably assSumes arising out of any or expected; or agreement. c) such bodily injury is sustained by a different person than intended or reasonably 16. We do not cover bodily injury or property expected. damage caAused by war or warlike acts, including, but not limited to insurrection, rebellion or This exclusion applies regardless of whether or revolution. not such insured person is actually charged with, M or convicted of a crime. Coverage Y Guest Medical Protection 2. We do not cover bodily injury to any insured person or regular resident of the insured P premises. However, this exclusion does not Losses We Cover Under Coverage Y: apply to a residence employee. Allstate will pay the reasonable expenses incurred for necessary medical, surgical, x-ray and dLental services; 3. We do not cover bodily injury to any person ambulance, hospital, licensed nursing and funeral eligible to receive any benefits voluntarily services; and prosthetic devices, eye glasses, hearing provided, or required to be provided, under any aids, and pharmaceuticals. These expenses must be workers’ compensation, non-occupational incurred and the services performed within threEe years disability or occupational disease law. from the date of an occurrence causing bodily injury to which this policy applies, and is covered by this part 4. We do not cover bodily injury arising out of the of the policy. ownership, maintenance, use, occupancy, renting, loaning, entrusting, loading or unloading Each person who sustains bodily injury is entitled to of aircraft. this protection when that person is: 1. on the insured premises with the permission of D5. We do not cover bodily injury arising out of the an insured person; or ownership, maintenance, use, occupancy, 2. off the insured premises, if the bodily injury: renting, loaning, entrusting, loading or unloading a) arises out of a condition on the insured of any motor vehicle or trailer. However, this premises or immediately adjoining ways; exOclusion does not apply to: b) is caused by the activities of an insured person or a residence employee; a) a motor vehicle in dead storage or used c) is caused by an animal owned by or in the excluCsively on an insured premises; care of an insured person; or b) any motor vehicle designed principally for d) is sustained by a residence employee. recreational use off public roads, unless that vehicle is owned by an insured person and Losses We Do Not Cover Under Coverage is being usedUaway from an insured Y: premises; 1. We do not cover any bodily injury intended by, c) a motorized wheel chair; or which may reasonably be expected to result d) a vehicle used to serMvice an insured from the intentional or criminal acts or omissions premises which is not designed for use on of, any insured person. This exclusion applies public roads and not subject to motor even if: vehicle registration; E

NPage 18 T e) a golf cart owned by an insured person We do cover bodily injury which results from when used for golfing purposes; such discharge if the discharge is sudden and f) a trailer of the boat, camper, home or utility accidental. type unless it is being towed or carried by a Smotorized land vehicle; 9. We do not cover bodily injury arising out of the g) lawn or garden implements under 40 rendering of, or failure to render professional horsepower; services by, an insured person. h) bodily injury to a residence employee. A 10. We do not cover bodily injury arising out of the 6. We do not cover bodily injury arising out of the past or present business activities of an insured ownership, maintenance, use, occupancy, person. renting, loaning, enMtrusting, loading or unloading of watercraft away from an insured premises if We do cover the occasional or part-time the watercraft: business activities of an insured person who is a a) has inboard or inboard-outboard motor student under 21 years of age. power of more than 50Phorsepower; b) is a sailing vessel 26 feet or more in length; 11. We do not cover bodily injury to any person on c) is powered by one or more outboard motors the insured premises because of a business with more than 25 total horsepLower; activity or professional service conducted there. d) is designated as an airboat, air cushion, or similar type of watercraft; or 12. We do not cover bodily injury arising out of any e) is a personal watercraft, meaning a craft premises, other than an insured premises, propelled by a water jet pump engine Eand owned, rented or controlled by an insured designed to be operated by a person or person. This exclusion does not apply to bodily persons sitting, standing or kneeling on the injury to a residence employee. craft. 13. We do not cover bodily injury caused by war or This exclusion does not apply to bodily injury to warlike acts, including, but not limited to a residence employee. Dinsurrection, rebellion, or revolution. 7. We do not cover bodily injury arising out of: a) the negligent supervision by any insured AdditionalProtection person of any person; or b) any liability statutorily imposed on any We wiOll pay, in addition to the limits of liability: insured person 1. Claim Expenses We will pay: arising from the ownership, maintenance, use, a) all coCsts we incur in the settlement of any occupancy, renting, loaning, entrusting, loading claim or the defense of any suit against an or unloading of any aircraft, watercraft, motorized insured person; land vehicle or trailer which is not covered under b) interest accruing on damages awarded until Section II of this policy. such time asUwe have paid, formally offered, or deposited in court the amount for which 8. We do not cover any bodily injury which results we are liable under this policy; interest will be in any manner from the discharge, dispersal, paid only on damageMs which do not exceed release or escape of vapors, fumes, acids, toxic our limits of liability; chemicals, toxic gasses, toxic liquids, toxic solids, c) premiums on bonds required in any suit we waste materials or other irritants, contaminants or defend; we will not pay bond premiums in pollutants. an amount that is more thanEour limit of

NPage 19 T liability; we have no obligation to apply for or a) Promptly notify us or our agent stating: furnish bonds; 1) your name and policy number; d) up to $100 per day for loss of wages and 2) the date, the place and the salary, when we ask you to attend trials and circumstances of the loss; Shearings; 3) the name and address of anyone who e) any other reasonable expenses incurred by might have a claim against an insured an insured person at our request. person; 4) the names and addresses of any 2. EmergencyAFirst Aid witnesses. We will pay reasonable expenses incurred by an b) Promptly send us any legal papers relating insured person for first aid to other persons at to the accident. the time of an accidMent involving bodily injury c) At our request, an insured person will: covered under this policy. 1) cooperate with us and assist us in any matter concerning a claim or suit; 3. Damage To Property Of Others 2) help us enforce any right of recovery At your request, we will payPup to $250 each time against any person or organization who an insured person causes property damage to may be liable to an insured person; someone else’s property. At our option, we will 3) attend any hearing or trial. pay the cost to either repair or replaLce the d) Under the Damage To Property Of Others property damaged by an insured person, without protection, give us a sworn statement of the deduction for depreciation. loss. This must be made within 60 days after the date of loss. Also, an insured person We will not pay for property damage: E must be prepared to show us any damaged a) to property covered under Section I of this property under that person’s control. policy; b) to property intentionally damaged by an Any insured person will not voluntarily pay any insured person who has attained the age of money, assume any obligations or incur any 13; expense, other than for first aid to others at the c) to property owned by or rented to an time of the loss as provided for in this policy. insured person, any tenant of an insured D person, or any resident in your household; 2. What An Injured Person Must Do Coverage Y or Guest Medical Protection d) arising out of: IfOsomeone is injured, that person, or someone 1) past or present business activities; acting for that person, must do the following: 2) any act or omission in connection with a) Promptly give us written proof of the loss. If a premises, other than an insured we request, this must be done under oath. premises, owned, rented or controlled b) GiveCus written authorization to obtain copies by an insured person; or of all medical records and reports. 3) the ownership or use of a motorized c) Permit doctors we select to examine the land vehicle, trailer, aircraft or injured persoUn as often as we may watercraft. reasonably require. Section II Conditions 3. Our Payment Of Loss Coverage Y Guest Medical Protection M We may pay the injured person or the provider of 1. What You Must Do After An Accidental Loss the medical services. Payment under this In the event of bodily injury or property damage, coverage is not an admission of liability by us or you must do the following: E an insured person.

NPage 20 T 4. Our Limits Of Liability This insurance is excess over any other valid and Regardless of the number of insured persons, collectible insurance except insurance that is injured persons, claims, claimants or policies written specifically as excess over the limits of involved, our total liability under Coverage X liability that apply to this policy. FamSily Liability Protection for damages resulting from one occurrence will not exceed the limit Section III OptionalProtection shown on the Policy Declarations. All bodily injury and property damage resulting from A Optional Coverages You May Buy continuous or repeated exposure to the same general conditions is considered the result of one The following Optional Coverages may supplement occurrence. coverages found in Section I or Section II and apply M only when they are indicated on the Policy Our total liability under Coverage Y Guest Declarations. The provisions of this policy apply to Medical Protection for all medical expenses each Optional Coverage in this section unless modified by the terms and conditions of the specific Optional payable for bodily injury, to any one person, shall not exceed the "each persoPn" limit shown on the Coverage. Policy Declarations. 1. Coverage BC Building Codes 5. Bankruptcy L We will pay up to 10% of the amount of We are not relieved of any obligation under this insurance on the Policy Declarations under policy because of the bankruptcy or insolvency of Coverage A Dwelling Protection to comply an insured person. E with local building codes after covered loss to or when repair or replacement results in 6. Our Rights To Recover Payment Coverage X dwelling increased cost due to the enforcement of any Family Liability Protection building codes, ordinances or laws regulating the When we pay any loss, an insured person’s right construction, reconstruction, maintenance, repair to recover from anyone else becomes up to ours or demolition of the dwelling. the amount we have paid. An insured person must protect these rights and help us enforce 2. Coverage DP them. D Increased Coverage On Electronic Data Processing Equipment 7. Suit Against Us The $3,000 limitation on electronic data a) No suit or action can be brought against us prOocessing equipment under Coverage C unless there has been full compliance with Personal Property Protection, and the recording all the terms of this policy. or storage media used with that equipment, is b) No suit or action can be brought against us increased to the amount shown on the Policy under Coverage X Family Liability C Declarations. Protection until the obligation of an insured person to pay is finally determined either by 3. Coverage F judgment against the insured person after Fire DepartmentUCharges actual trial, or by written agreement of the The $250 limit applying to the fire department insured person, injured person, and us. service charges under Additional Protection is c) No one shall have any right to make us a increased to the amount shown on the Policy party to a suit to determine the liability of an M Declarations. insured person. 8. Other Insurance Coverage X Family E Liability Protection

NPage 21 T 4. Coverage G 5. Coverage J Loss Assessments Extended Coverage On Jewelry, Watches and If your residence premises includes a building Furs structure which is constructed in common with Coverage C Personal Property Protection is oneSor more similar buildings, and you are a extended to pay for sudden and accidental direct member of, and subject to the rules of, an physical damage to the following property, association governing the areas held in common subject to the provisions in this coverage: by all building owners as members of the a) jewelry, watches, gems, precious and semi- associationA, the insured premises means the precious stones, gold, platinum; and building structure occupied exclusively by your b) furs, including any item containing fur which household as a private residence, including the represents its principal value. grounds, related stMructures and private The total amount of coverage and per item limit is approaches to them. shown on the Policy Declarations. This amount is not in addition to the amount of insurance We will pay your share of any special applying to Coverage C Personal Property assessments charged agaiPnst all building owners Protection. However, in no event will coverage be by the association up to the limit of liability shown less than would have applied in the absence of on the Policy Declarations, when the assessment Coverage J. is made as a result of: L We do not cover loss caused by or consisting of: a) sudden and accidental direct physical loss to a) intentional or criminal acts of or at the the property held in common by all building direction of any insured person, if the loss owners caused by a loss we cover under that occurs: Section I of this policy; or E 1) may be reasonably expected to result b) bodily injury or property damage covered from such acts; or under Section II of this policy. 2) is the intended result of such acts. b) wear and tear, gradual deterioration, inherent Any reduction or elimination of payments for vice, insects or vermin; losses because of any deductible applying to the c) nuclear action, meaning nuclear reaction, insurance coverage of the association of building discharge, radiation or radioactive owners collectively is not covered under this D contamination or any consequence of any of protection. these. Loss caused by nuclear action is not considered a loss by fire, explosion or Allstate will pay only when the assessment levied smoke. against the insured person, as a result of any one O loss, for bodily injury or property damage We do cover sudden and accidental direct exceeds $250 and then only for the amount of physical loss by fire resulting from nuclear such excess. This coverage is not subject to any actioCn. deductible applying to Section I of this policy. d) war or warlike acts, including, but not limited to insurrection, rebellion or revolution. 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 sUteps to preserve property Sections I and II of this policy and the Sections I during and after a loss or when the property and II Conditions, except as otherwise noted. is endangered by a loMss we cover. This coverage is excess over any insurance Any deductible shown on the Policy collectible under any policy or policies covering Declarations applicable to Coverage C the association of building owners. Personal Property Protection, also applies to a loss under this coverageE.

NPage 22 T 6. Coverage K 8. Coverage M Incidental Office, Private School Or Studio Increased Coverage On Money The $100 limitation on money, bullion, bank a) Coverage C Personal Property notes, coins and other numismatic property SProtection is extended to cover the under Coverage C Personal Property equipment, supplies and furnishings used in Protection is increased to the amount shown on a described office, private school or studio at the Policy Declarations. your rAesidence premises. This does not include electronic data processing 9. Coverage P equipment or the recording or storage media Business Pursuits used with that equipment. Coverage X Family Liability Protection and M Coverage Y Guest Medical Protection are The Coverage K limits are shown on the Policy extended to cover specified business pursuits of Declarations. The first limit applies to property on an insured person. the residence premises. TPhe second limit applies property while away from the residence We do not cover: premises. This coverage does not include a) bodily injury or property damage arising property held for sample, sale or delivery after out of the business pursuits of an insured sale. L person when the business is owned or financially controlled by the insured person. b) Coverage X Family Liability Protection This also means a partnership or joint and Coverage Y Guest Medical venture of which an insured person is a Protection are extended to cover a deEscribed partner or member; office, private school or studio occupied by b) bodily injury or property damage arising an insured person. The occupancy of the out of the rendering or failure to render a described property shall not be considered a professional service of any nature, other business. than teaching; c) bodily injury to a fellow employee of an We do not cover bodily injury to: insured person arising out of and in the a) any employee other than a residence D course of employment; employee, or d) bodily injury or property damage when an b) any person arising out of corporal insured person is a member of a teaching punishment administered by or at the Ostaff or faculty of any school or college and direction of an insured person. the bodily injury or property damage arises out of the maintenance or use of saddle 7. Coverage LR animals, vehicles used with saddle animals, Lock Replacement motoCrized land vehicles, aircraft or watercraft Coverage A Dwelling Protection is extended when owned, hired or operated by an to include reasonable expenses you incur to insured person or used for the purpose of replace or re-key exterior door locks at the instruction; oUr residence premises with locks or cylinders of e) bodily injury to any person arising out of like kind and quality. Coverage is provided when a corporal punishment administered by or at key to a lock is stolen as part of a covered theft the direction of an insured person when an loss. The limit of liability under this coverage insured person is a Mmember of the teaching following any one theft loss is $250. staff or faculty of any school of instruction. E

NPage 23 T 10. Coverage S 12. Coverage SE Increased Coverage On Securities Portable Cellular Communication Systems The $500 limitation on accounts, bills, deeds, Coverage C Personal Property Protection is evidences of debt, letters of credit, notes other extended to portable cellular communications thaSn bank notes, passports, securities, tickets, or systems in or upon a motorized land vehicle or stamps, including philatelic property, covered watercraft. This coverage applies only to portable under Coverage C Personal Property systems that can be powered by electricity from a Protection, is increased to the amount shown on motorized land vehicle or watercraft. Coverage the Policy DAeclarations. applies whether or not the portable cellular communication system is used in a business. 11. Coverage SD Satellite Dish AnteMnnas The amount of coverage is shown on the Policy Coverage C Personal Property Protection is Declarations. extended to pay for sudden and accidental direct physical loss to satellite dish antennas and their 13. Coverage ST systems on your residencePpremises subject to Increased Coverage On Theft Of Silverware the provisions of Coverage C Personal The $1,000 limitation on theft of silverware, Property Protection. pewterware and goldware under Coverage C L Personal Property Protection is increased to the The amount of coverage is shown on the Policy amount shown on the Policy Declarations. Declarations. E

IN WITNESS WHEREOF, Allstate has caused this policy to be signed by its Secretary and its President at Northbrook, Illinois, and if required by state law, this policy shall not be binding unless countersigned on the Policy Declarations by an authorized agent of Allstate. D O Secretary President, Allstate PersonaCl Property & Casualty Company U M E

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