Homeowners Endorsements

Home , Casualty insurance, Universal property

HOMEOWNERS

ENDORSEMENTS POLICY FORMS AND ENDORSEMENTS FOR FLORIDA

Name Description Credit Disclosure Credit Disclosure Notice HO 00 03 04 91 Homeowners 3 Special Form HO 00 04 04 91 Homeowners 4 Contents Broad Form HO 00 06 04 91 Homeowners 6 Unit Owners Form HO 00 08 04 91 Homeowners 8 Modified Coverage Form HO 04 10 04 91 Additional Interests - Residence Premises HO 04 16 04 91 Premises Alarm or Fire Protection System HO 04 30 04 91 Theft Coverage Increase HO 04 40 04 91 Structures Rented To Others - Residence Premises HO 04 41 04 91 Additional Insured - Residence Premises HO 04 42 04 91 Permitted Incidental Occupancies HO 04 48 04 91 Other Structures HO 04 81 12 13 Actual Cash Value Loss Settlement HO 04 94 06 97 (06-07) Exclusion for Windstorm Coverage HO 04 96 04 91 No Coverage for Home Day Care Business HO 17 32 04 91R (06-07) Unit Owners Coverage A - Special Coverage HO 17 33 04 91 Unit Owners Rental to Others HO 23 70 06 97 Windstorm Exterior Paint or Waterproofing Endorsement HO 23 74 12 13 Replacement Cost Loss Settlement Endorsement UPCIC 00 07 (02-12) Sinkhole Loss Coverage - Florida UPCIC 01 03 06 07 Law and Ordinance Increase to 50% UPCIC 03 33 07 08 Limited Fungi, Wet or Dry Rot, or Bacteria UPCIC 04 33 07 08 Limited Fungi, Wet or Dry Rot, or Bacteria UPCIC 04 90 04 91 (06-07) Personal Property Replacement Cost UPCIC 06 03 32 08 Limited Fungi, Wet or Dry Rot, or Bacteria UPCIC 06 33 07 08 (1) Limited Fungi, Wet or Dry Rot, or Bacteria UPCIC 08 33 07 08 Limited Fungi, Wet or Dry Rot, or Bacteria UPCIC 10 01 98 (06-07) Existing Damage Exclusion UPCIC 14 01 98 Amendment of Loss Settlement Condition - Florida UPCIC 16 01 98 Loss Assessment Coverage UPCIC 19 01 98 Windstorm Protective Devices UPCIC 23 12 13 Special Provisions - Florida UPCIC 23 01 16 Special Provisions - Florida UPCIC 25 01 98 (06-07) Hurricane Deductible UPCIC 3 01 98 Outline of Your Homeowner Policy UPCIC Privacy UPCIC Privacy Statement UPCIC SPL (05-08) Swimming Pool Liability Exclusion

Universal Property & Casualty Insurance Company 1110 W. Commercial Blvd., Suite 100 Fort Lauderdale, FL 33309

CREDIT REPORT DISCLOSURE NOTICE

This is to notify you that, as part of the Company's underwriting procedures, a credit report will be ordered on you from a credit bureau. The credit report will be used as an underwriting tool in order to establish your eligibility for insurance coverage.

If your application is denied or your policy is cancelled as the result of the credit report, you will be notified of the means by which you may obtain a copy of the report and by which you may identify the specific items in the credit report which resulted in the denial or cancellation.

This notice is provided to you in accordance with Florida Statute 4-125.004. If you have any questions, please contact your agent or write the Company at the address provided on this notice. HOMEOWNERS HO 00 03 04 91

HOMEOWNERS 3 SPECIAL FORM

AGREEMENT

We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy.

DEFINITIONS

In this policy, "you" and "your" refer to the "named c. Any premises used by you in connection with a insured" shown in the Declarations and the spouse if premises in 4.a. and 4.b. above; a resident of the same household. "We," "us" and d. Any part of a premises: "our" refer to the Company providing this insurance. In addition, certain words and phrases are defined as (1) Not owned by an "insured"; and follows: (2) Where an "insured" is temporarily residing; 1. "Bodily injury" means bodily harm, sickness or e. Vacant land, other than farm land, owned by or disease, including required care, loss of services rented to an "insured"; and death that results. f. Land owned by or rented to an "insured" on 2. "Business" includes trade, profession or occupa- which a one or two family dwelling is being tion. built as a residence for an "insured"; 3. "Insured" means you and residents of your house- g. Individual or family cemetery plots or burial hold who are: vaults of an "insured"; or a. Your relatives; or h. Any part of a premises occasionally rented to b. Other persons under the age of 21 and in the an "insured" for other than "business" use. care of any person named above. 5. "Occurrence" means an accident, including con- Under Section II, "insured" also means: tinuous or repeated exposure to substantially the same general harmful conditions, which results, c. With respect to animals or watercraft to which during the policy period, in: this policy applies, any person or organization legally responsible for these animals or water- a. "Bodily injury"; or craft which are owned by you or any person in- b. "Property damage." cluded in 3.a. or 3.b. above. A person or or- 6. "Property damage" means physical injury to, de- ganization using or having custody of these struction of, or loss of use of tangible property. animals or watercraft in the course of any "business" or without consent of the owner is 7. "Residence employee" means: not an "insured"; a. An employee of an "insured" whose duties are d. With respect to any vehicle to which this policy related to the maintenance or use of the "resi- applies: dence premises," including household or domestic services; or (1) Persons while engaged in your employ or that of any person included in 3.a. or 3.b. b. One who performs similar duties elsewhere not above; or related to the "business" of an "insured." (2) Other persons using the vehicle on an 8. "Residence premises" means: "insured location" with your consent. a. The one family dwelling, other structures, and 4. "Insured location" means: grounds; or a. The "residence premises"; b. That part of any other building; b. The part of other premises, other structures where you reside and which is shown as the "resi- and grounds used by you as a residence and: dence premises" in the Declarations. (1) Which is shown in the Declarations; or "Residence premises" also means a two family dwelling where you reside in at least one of the (2) Which is acquired by you during the policy family units and which is shown as the "residence period for your use as a residence; premises" in the Declarations.

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SECTION I – PROPERTY COVERAGES

COVERAGE A – Dwelling 1. $200 on money, bank notes, bullion, gold other We cover: than goldware, silver other than silverware, platinum, coins and medals. 1. The dwelling on the "residence premises" shown in the Declarations, including structures attached 2. $1000 on securities, accounts, deeds, evidences to the dwelling; and of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, 2. Materials and supplies located on or next to the tickets and stamps. This dollar limit applies to "residence premises" used to construct, alter or these categories regardless of the medium (such repair the dwelling or other structures on the "resi- as paper or computer software) on which the ma- dence premises." terial exists. This coverage does not apply to land, including land This limit includes the cost to research, replace or on which the dwelling is located. restore the information from the lost or damaged COVERAGE B – Other Structures material. We cover other structures on the "residence prem- 3. $1000 on watercraft, including their trailers, fur- ises" set apart from the dwelling by clear space. This nishings, equipment and outboard engines or mo- includes structures connected to the dwelling by only tors. a fence, utility line, or similar connection. 4. $1000 on trailers not used with watercraft. This coverage does not apply to land, including land 5. $1000 for loss by theft of jewelry, watches, furs, on which the other structures are located. precious and semi-precious stones. We do not cover other structures: 6. $2000 for loss by theft of firearms. 1. Used in whole or in part for "business"; or 7. $2500 for loss by theft of silverware, silver-plated 2. Rented or held for rental to any person not a ten- ware, goldware, gold-plated ware and pewterware. ant of the dwelling, unless used solely as a private This includes flatware, hollowware, tea sets, trays garage. and trophies made of or including silver, gold or pewter. The limit of liability for this coverage will not be more than 10% of the limit of liability that applies to Cover- 8. $2500 on property, on the "residence premises," age A. Use of this coverage does not reduce the used at any time or in any manner for any "busi- Coverage A limit of liability. ness" purpose. COVERAGE C – Personal Property 9. $250 on property, away from the "residence premises," used at any time or in any manner for any We cover personal property owned or used by an "business" purpose. However, this limit does not "insured" while it is anywhere in the world. At your apply to loss to adaptable electronic apparatus as request, we will cover personal property owned by: described in Special Limits 10. and 11. below. 1. Others while the property is on the part of the 10. $1000 for loss to electronic apparatus, while in or "residence premises" occupied by an "insured"; upon a motor vehicle or other motorized land con- 2. A guest or a "residence employee," while the veyance, if the electronic apparatus is equipped to property is in any residence occupied by an "in- be operated by power from the electrical system sured." of the vehicle or conveyance while retaining its Our limit of liability for personal property usually capability of being operated by other sources of located at an "insured's" residence, other than the power. Electronic apparatus includes: "residence premises," is 10% of the limit of liability for a. Accessories or antennas; or Coverage C, or $1000, whichever is greater. Personal b. Tapes, wires, records, discs or other media; property in a newly acquired principal residence is not subject to this limitation for the 30 days from the time for use with any electronic apparatus. you begin to move the property there. Special Limits of Liability. These limits do not increase the Coverage C limit of liability. The special limit for each numbered category below is the total limit for each loss for all property in that category.

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11. $1000 for loss to electronic apparatus, while not in 8. "Business" data, including such data stored in: or upon a motor vehicle or other motorized land a. Books of account, drawings or other paper conveyance, if the electronic apparatus: records; or a. Is equipped to be operated by power from the b. Electronic data processing tapes, wires, re- electrical system of the vehicle or conveyance cords, discs or other software media; while retaining its capability of being operated by other sources of power; However, we do cover the cost of blank recording or storage media, and of pre-recorded computer b. Is away from the "residence premises"; and programs available on the retail market; or c. Is used at any time or in any manner for any 9. Credit cards or fund transfer cards except as "business" purpose. provided in Additional Coverages 6. Electronic apparatus includes: COVERAGE D – Loss Of Use a. Accessories and antennas; or The limit of liability for Coverage D is the total limit b. Tapes, wires, records, discs or other media; for all the coverages that follow. for use with any electronic apparatus. 1. If a loss covered under this Section makes that Property Not Covered. We do not cover: part of the "residence premises" where you reside not fit to live in, we cover, at your choice, either of 1. Articles separately described and specifically the following. However, if the "residence prem- insured in this or other insurance; ises" is not your principal place of residence, we 2. Animals, birds or fish; will not provide the option under paragraph b. below. 3. Motor vehicles or all other motorized land conveyances. This includes: a. Additional Living Expense, meaning any necessary increase in living expenses incurred a. Their equipment and accessories; or by you so that your household can maintain its b. Electronic apparatus that is designed to be normal standard of living; or operated solely by use of the power from the b. Fair Rental Value, meaning the fair rental electrical system of motor vehicles or all other value of that part of the "residence premises" motorized land conveyances. Electronic appa- where you reside less any expenses that do ratus includes: not continue while the premises is not fit to live (1) Accessories or antennas; or in. (2) Tapes, wires, records, discs or other media; Payment under a. or b. will be for the shortest for use with any electronic apparatus. time required to repair or replace the damage or, if you permanently relocate, the shortest time re- The exclusion of property described in 3.a. quired for your household to settle elsewhere. and 3.b. above applies only while the property is in or upon the vehicle or conveyance. 2. If a loss covered under this Section makes that part of the "residence premises" rented to others We do cover vehicles or conveyances not subject or held for rental by you not fit to live in, we cover to motor vehicle registration which are: the: a. Used to service an "insured's" residence; or Fair Rental Value, meaning the fair rental b. Designed for assisting the handicapped; value of that part of the "residence premises" 4. Aircraft and parts. Aircraft means any contrivance rented to others or held for rental by you less used or designed for flight, except model or hobby any expenses that do not continue while the aircraft not used or designed to carry people or premises is not fit to live in. cargo; Payment will be for the shortest time required to 5. Property of roomers, boarders and other tenants, repair or replace that part of the premises rented except property of roomers and boarders related or held for rental. to an "insured"; 3. If a civil authority prohibits you from use of the 6. Property in an apartment regularly rented or held "residence premises" as a result of direct damage for rental to others by an "insured," except as pro- to neighboring premises by a Peril Insured Against vided in Additional Coverages 10.; in this policy, we cover the Additional Living Ex- pense and Fair Rental Value loss as provided un- 7. Property rented or held for rental to others off the der 1. and 2. above for no more than two weeks. "residence premises";

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The periods of time under 1., 2. and 3. above are not 3. Trees, Shrubs and Other Plants. We cover limited by expiration of this policy. trees, shrubs, plants or lawns, on the "residence We do not cover loss or expense due to cancellation premises," for loss caused by the following Perils of a lease or agreement. Insured Against: Fire or lightning, Explosion, Riot or civil commotion, Aircraft, Vehicles not owned or ADDITIONAL COVERAGES operated by a resident of the "residence prem- 1. Debris Removal. We will pay your reasonable ises," Vandalism or malicious mischief or Theft. expense for the removal of: We will pay up to 5% of the limit of liability that a. Debris of covered property if a Peril Insured applies to the dwelling for all trees, shrubs, plants Against that applies to the damaged property or lawns. No more than $500 of this limit will be causes the loss; or available for any one tree, shrub or plant. We do not cover property grown for "business" purposes. b. Ash, dust or particles from a volcanic eruption that has caused direct loss to a building or This coverage is additional insurance. property contained in a building. 4. Fire Department Service Charge. We will pay up This expense is included in the limit of liability that to $500 for your liability assumed by contract or applies to the damaged property. If the amount to agreement for fire department charges incurred be paid for the actual damage to the property plus when the fire department is called to save or pro- the debris removal expense is more than the limit tect covered property from a Peril Insured of liability for the damaged property, an additional Against. We do not cover fire department service 5% of that limit of liability is available for debris charges if the property is located within the limits removal expense. of the city, municipality or protection district furnishing the fire department response. We will also pay your reasonable expense, up to $500, for the removal from the "residence prem- This coverage is additional insurance. No deducti- ises" of: ble applies to this coverage. a. Your tree(s) felled by the peril of Windstorm or 5. Property Removed. We insure covered property Hail; against direct loss from any cause while being removed from a premises endangered by a Peril b. Your tree(s) felled by the peril of Weight of Ice, Insured Against and for no more than 30 days Snow or Sleet; or while removed. This coverage does not change c. A neighbor's tree(s) felled by a Peril Insured the limit of liability that applies to the property be- Against under Coverage C; ing removed. provided the tree(s) damages a covered structure. 6. Credit Card, Fund Transfer Card, Forgery and The $500 limit is the most we will pay in any one Counterfeit Money. loss regardless of the number of fallen trees. We will pay up to $500 for: 2. Reasonable Repairs. In the event that covered a. The legal obligation of an "insured" to pay property is damaged by an applicable Peril In- because of the theft or unauthorized use of sured Against, we will pay the reasonable cost in- credit cards issued to or registered in an "incurred by you for necessary measures taken sured's" name; solely to protect against further damage. If the measures taken involve repair to other damaged b. Loss resulting from theft or unauthorized use property, we will pay for those measures only if of a fund transfer card used for deposit, with- that property is covered under this policy and the drawal or transfer of funds, issued to or regis- damage to that property is caused by an applica- tered in an "insured's" name; ble Peril Insured Against. c. Loss to an "insured" caused by forgery or al- This coverage: teration of any check or negotiable instrument; and a. Does not increase the limit of liability that applies to the covered property; d. Loss to an "insured" through acceptance in good faith of counterfeit United States or Ca- b. Does not relieve you of your duties, in case of nadian paper currency. a loss to covered property, as set forth in SECTION I – CONDITION 2.d.

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We do not cover use of a credit card or fund 8. Collapse. We insure for direct physical loss to transfer card: covered property involving collapse of a building a. By a resident of your household; or any part of a building caused only by one or more of the following: b. By a person who has been entrusted with either type of card; or a. Perils Insured Against in COVERAGE C – PERSONAL PROPERTY. These perils apply c. If an "insured" has not complied with all terms to covered buildings and personal property for and conditions under which the cards are is- loss insured by this additional coverage; sued. b. Hidden decay; All loss resulting from a series of acts committed by any one person or in which any one person is c. Hidden insect or vermin damage; concerned or implicated is considered to be one d. Weight of contents, equipment, animals or loss. people; We do not cover loss arising out of "business" use e. Weight of rain which collects on a roof; or or dishonesty of an "insured." f. Use of defective material or methods in con- This coverage is additional insurance. No deducti- struction, remodeling or renovation if the col- ble applies to this coverage. lapse occurs during the course of the construc- Defense: tion, remodeling or renovation. a. We may investigate and settle any claim or Loss to an awning, fence, patio, pavement, swim- suit that we decide is appropriate. Our duty to ming pool, underground pipe, flue, drain, cess- defend a claim or suit ends when the amount pool, septic tank, foundation, retaining wall, bulk- we pay for the loss equals our limit of liability. head, pier, wharf or dock is not included under items b., c., d., e., and f. unless the loss is a di- b. If a suit is brought against an "insured" for rect result of the collapse of a building. liability under the Credit Card or Fund Transfer Card coverage, we will provide a defense at Collapse does not include settling, cracking, our expense by counsel of our choice. shrinking, bulging or expansion. c. We have the option to defend at our expense This coverage does not increase the limit of liabil- an "insured" or an "insured's" bank against any ity applying to the damaged covered property. suit for the enforcement of payment under the 9. Glass or Safety Glazing Material. Forgery coverage. We cover: 7. Loss Assessment. We will pay up to $1000 for a. The breakage of glass or safety glazing mate- your share of loss assessment charged during the rial which is part of a covered building, storm policy period against you by a corporation or as- door or storm window; and sociation of property owners, when the assessment is made as a result of direct loss to the b. Damage to covered property by glass or safety property, owned by all members collectively, glazing material which is part of a building, caused by a Peril Insured Against under storm door or storm window. COVERAGE A – DWELLING, other than earth- This coverage does not include loss on the "resi- quake or land shock waves or tremors before, dur- dence premises" if the dwelling has been vacant ing or after a volcanic eruption. for more than 30 consecutive days immediately This coverage applies only to loss assessments before the loss. A dwelling being constructed is charged against you as owner or tenant of the not considered vacant. "residence premises." Loss for damage to glass will be settled on the ba- We do not cover loss assessments charged sis of replacement with safety glazing materials against you or a corporation or association of when required by ordinance or law. property owners by any governmental body. This coverage does not increase the limit of liabil- The limit of $1000 is the most we will pay with re- ity that applies to the damaged property. spect to any one loss, regardless of the number of assessments. Condition 1. Policy Period, under SECTIONS I AND II CONDITIONS, does not apply to this coverage.

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10. Landlord's Furnishings. We will pay up to This peril does not include loss: $2500 for your appliances, carpeting and other (1) To the system or appliance from which the household furnishings, in an apartment on the water or steam escaped; "residence premises" regularly rented or held for rental to others by an "insured," for loss caused (2) Caused by or resulting from freezing ex- only by the following Perils Insured Against: cept as provided in the peril of freezing below; or a. Fire or lightning. (3) On the "residence premises" caused by b. Windstorm or hail. accidental discharge or overflow which oc- This peril does not include loss to the property curs off the "residence premises." contained in a building caused by rain, snow, In this peril, a plumbing system does not in- sleet, sand or dust unless the direct force of clude a sump, sump pump or related equip- wind or hail damages the building causing an ment. opening in a roof or wall and the rain, snow, sleet, sand or dust enters through this opening. l. Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot wa- This peril includes loss to watercraft and their ter heating system, an air conditioning or auto- trailers, furnishings, equipment, and outboard matic fire protective sprinkler system, or an engines or motors, only while inside a fully en- appliance for heating water. closed building. We do not cover loss caused by or resulting c. Explosion. from freezing under this peril. d. Riot or civil commotion. m. Freezing of a plumbing, heating, air condition- e. Aircraft, including self-propelled missiles and ing or automatic fire protective sprinkler sys- spacecraft. tem or of a household appliance. f. Vehicles. This peril does not include loss on the "resi- g. Smoke, meaning sudden and accidental dam- dence premises" while the dwelling is unoccu- age from smoke. pied, unless you have used reasonable care to: This peril does not include loss caused by (1) Maintain heat in the building; or smoke from agricultural smudging or industrial (2) Shut off the water supply and drain the operations. system and appliances of water. h. Vandalism or malicious mischief. n. Sudden and accidental damage from i. Falling objects. artificially generated electrical current. This peril does not include loss to property This peril does not include loss to a tube, tran- contained in a building unless the roof or an sistor or similar electronic component. outside wall of the building is first damaged by o. Volcanic eruption other than loss caused by a falling object. Damage to the falling object it- earthquake, land shock waves or tremors. self is not included. The $2500 limit is the most we will pay in any one j. Weight of ice, snow or sleet which causes loss regardless of the number of appliances, car- damage to property contained in a building. peting or other household furnishings involved in k. Accidental discharge or overflow of water the loss. or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance.

SECTION I – PERILS INSURED AGAINST

COVERAGE A – DWELLING and COVERAGE B – 1. Involving collapse, other than as provided in Addi- OTHER STRUCTURES tional Coverage 8.; We insure against risk of direct loss to property de- 2. Caused by: scribed in Coverages A and B only if that loss is a physical loss to property. We do not insure, however, for loss:

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a. Freezing of a plumbing, heating, air condition- If any of these cause water damage not other- ing or automatic fire protective sprinkler sys- wise excluded, from a plumbing, heating, air tem or of a household appliance, or by dis- conditioning or automatic fire protective sprin- charge, leakage or overflow from within the kler system or household appliance, we cover system or appliance caused by freezing. This loss caused by the water including the cost of exclusion applies only while the dwelling is va- tearing out and replacing any part of a building cant, unoccupied or being constructed, unless necessary to repair the system or appliance. you have used reasonable care to: We do not cover loss to the system or appli- (1) Maintain heat in the building; or ance from which this water escaped. (2) Shut off the water supply and drain the 3. Excluded under Section I – Exclusions. system and appliances of water; Under items 1. and 2., any ensuing loss to property b. Freezing, thawing, pressure or weight of water described in Coverages A and B not excluded or or ice, whether driven by wind or not, to a: excepted in this policy is covered. (1) Fence, pavement, patio or swimming pool; COVERAGE C – PERSONAL PROPERTY (2) Foundation, retaining wall, or bulkhead; or We insure for direct physical loss to the property described in Coverage C caused by a peril listed (3) Pier, wharf or dock; below unless the loss is excluded in SECTION I – c. Theft in or to a dwelling under construction, or EXCLUSIONS. of materials and supplies for use in the con- 1. Fire or lightning. struction until the dwelling is finished and occupied; 2. Windstorm or hail. d. Vandalism and malicious mischief if the dwell- This peril does not include loss to the property ing has been vacant for more than 30 con- contained in a building caused by rain, snow, secutive days immediately before the loss. A sleet, sand or dust unless the direct force of wind dwelling being constructed is not considered or hail damages the building causing an opening vacant; in a roof or wall and the rain, snow, sleet, sand or dust enters through this opening. e. Any of the following: This peril includes loss to watercraft and their trail- (1) Wear and tear, marring, deterioration; ers, furnishings, equipment, and outboard engines (2) Inherent vice, latent defect, mechanical or motors, only while inside a fully enclosed build- breakdown; ing. (3) Smog, rust or other corrosion, mold, wet or 3. Explosion. dry rot; 4. Riot or civil commotion. (4) Smoke from agricultural smudging or in- 5. Aircraft, including self-propelled missiles and dustrial operations; spacecraft. (5) Discharge, dispersal, seepage, migration, 6. Vehicles. release or escape of pollutants unless the discharge, dispersal, seepage, migration, 7. Smoke, meaning sudden and accidental damage release or escape is itself caused by a Peril from smoke. Insured Against under Coverage C of this This peril does not include loss caused by smoke policy. from agricultural smudging or industrial opera- Pollutants means any solid, liquid, gaseous tions. or thermal irritant or contaminant, including 8. Vandalism or malicious mischief. smoke, vapor, soot, fumes, acids, alkalis, 9. Theft, including attempted theft and loss of prop- chemicals and waste. Waste includes ma- erty from a known place when it is likely that the terials to be recycled, reconditioned or re- property has been stolen. claimed; This peril does not include loss caused by theft: (6) Settling, shrinking, bulging or expansion, including resultant cracking, of pavements, a. Committed by an "insured"; patios, foundations, walls, floors, roofs or b. In or to a dwelling under construction, or of ceilings; materials and supplies for use in the construc- (7) Birds, vermin, rodents, or insects; or tion until the dwelling is finished and occupied; or (8) Animals owned or kept by an "insured."

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c. From that part of a "residence premises" b. Caused by or resulting from freezing except as rented by an "insured" to other than an "in- provided in the peril of freezing below; or sured." c. On the "residence premises" caused by acci- This peril does not include loss caused by theft dental discharge or overflow which occurs off that occurs off the "residence premises" of: the "residence premises." a. Property while at any other residence owned In this peril, a plumbing system does not include a by, rented to, or occupied by an "insured," ex- sump, sump pump or related equipment. cept while an "insured" is temporarily living 13. Sudden and accidental tearing apart, cracking, there. Property of a student who is an "insured" burning or bulging of a steam or hot water heat- is covered while at a residence away from ing system, an air conditioning or automatic fire home if the student has been there at any time protective sprinkler system, or an appliance for during the 45 days immediately before the heating water. loss; We do not cover loss caused by or resulting from b. Watercraft, and their furnishings, equipment freezing under this peril. and outboard engines or motors; or 14. Freezing of a plumbing, heating, air conditioning c. Trailers and campers. or automatic fire protective sprinkler system or of 10. Falling objects. a household appliance. This peril does not include loss to property con- This peril does not include loss on the "residence tained in a building unless the roof or an outside premises" while the dwelling is unoccupied, unless wall of the building is first damaged by a falling you have used reasonable care to: object. Damage to the falling object itself is not in- a. Maintain heat in the building; or cluded. b. Shut off the water supply and drain the system 11. Weight of ice, snow or sleet which causes dam- and appliances of water. age to property contained in a building. 15. Sudden and accidental damage from 12. Accidental discharge or overflow of water or artificially generated electrical current. steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler sys- This peril does not include loss to a tube, transis- tem or from within a household appliance. tor or similar electronic component. This peril does not include loss: 16. Volcanic eruption other than loss caused by earthquake, land shock waves or tremors. a. To the system or appliance from which the water or steam escaped;

SECTION I – EXCLUSIONS

1. We do not insure for loss caused directly or indi- (3) Breakage of glass or safety glazing mate- rectly by any of the following. Such loss is ex- rial which is part of a building, storm door cluded regardless of any other cause or event or storm window; contributing concurrently or in any sequence to ensues and then we will pay only for the ensu- the loss. ing loss. a. Ordinance or Law, meaning enforcement of This exclusion does not apply to loss by theft. any ordinance or law regulating the construction, repair, or demolition of a building or other c. Water Damage, meaning: structure, unless specifically provided under (1) Flood, surface water, waves, tidal water, this policy. overflow of a body of water, or spray from b. Earth Movement, meaning earthquake includ- any of these, whether or not driven by wind; ing land shock waves or tremors before, during (2) Water which backs up through sewers or or after a volcanic eruption; landslide; mine drains or which overflows from a sump; or subsidence; mudflow; earth sinking, rising or shifting; unless direct loss by: (1) Fire; (2) Explosion; or

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(3) Water below the surface of the ground, h. Intentional Loss, meaning any loss arising including water which exerts pressure on or out of any act committed: seeps or leaks through a building, sidewalk, (1) By or at the direction of an "insured"; and driveway, foundation, swimming pool or other structure. (2) With the intent to cause a loss. Direct loss by fire, explosion or theft resulting 2. We do not insure for loss to property described in from water damage is covered. Coverages A and B caused by any of the following. However, any ensuing loss to property de- d. Power Failure, meaning the failure of power scribed in Coverages A and B not excluded or ex- or other utility service if the failure takes place cepted in this policy is covered. off the "residence premises." But, if a Peril In- sured Against ensues on the "residence prem- a. Weather conditions. However, this exclusion ises," we will pay only for that ensuing loss. only applies if weather conditions contribute in any way with a cause or event excluded in e. Neglect, meaning neglect of the "insured" to paragraph 1. above to produce the loss; use all reasonable means to save and preserve property at and after the time of a loss. b. Acts or decisions, including the failure to act or decide, of any person, group, organization f. War, including the following and any conse- or governmental body; quence of any of the following: c. Faulty, inadequate or defective: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (1) Planning, zoning, development, surveying, siting; (2) Warlike act by a military force or military personnel; or (2) Design, specifications, workmanship, repair, construction, renovation, remodeling, (3) Destruction, seizure or use for a military grading, compaction; purpose. (3) Materials used in repair, construction, reno- Discharge of a nuclear weapon will be deemed vation or remodeling; or a warlike act even if accidental. (4) Maintenance; g. Nuclear Hazard, to the extent set forth in the Nuclear Hazard Clause of SECTION I – of part or all of any property whether on or off CONDITIONS. the "residence premises."

SECTION I – CONDITIONS

1. Insurable Interest and Limit of Liability. Even if (1) Make reasonable and necessary repairs to more than one person has an insurable interest in protect the property; and the property covered, we will not be liable in any (2) Keep an accurate record of repair ex- one loss: penses; a. To the "insured" for more than the amount of e. Prepare an inventory of damaged personal the "insured's" interest at the time of loss; or property showing the quantity, description, ac- b. For more than the applicable limit of liability. tual cash value and amount of loss. Attach all 2. Your Duties After Loss. In case of a loss to bills, receipts and related documents that jus- covered property, you must see that the following tify the figures in the inventory; are done: f. As often as we reasonably require: a. Give prompt notice to us or our agent; (1) Show the damaged property; b. Notify the police in case of loss by theft; (2) Provide us with records and documents we c. Notify the credit card or fund transfer card request and permit us to make copies; and company in case of loss under Credit Card or (3) Submit to examination under oath, while Fund Transfer Card coverage; not in the presence of any other "insured," d. Protect the property from further damage. If and sign the same; repairs to the property are required, you must:

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g. Send to us, within 60 days after our request, (c) The necessary amount actually spent to your signed, sworn proof of loss which sets repair or replace the damaged building. forth, to the best of your knowledge and belief: (2) If, at the time of loss, the amount of insur- (1) The time and cause of loss; ance in this policy on the damaged building (2) The interest of the "insured" and all others is less than 80% of the full replacement in the property involved and all liens on the cost of the building immediately before the property; loss, we will pay the greater of the following amounts, but not more than the limit of li- (3) Other insurance which may cover the loss; ability under this policy that applies to the (4) Changes in title or occupancy of the prop- building: erty during the term of the policy; (a) The actual cash value of that part of the (5) Specifications of damaged buildings and building damaged; or detailed repair estimates; (b) That proportion of the cost to repair or (6) The inventory of damaged personal prop- replace, after application of deductible erty described in 2.e. above; and without deduction for depreciation, that part of the building damaged, which (7) Receipts for additional living expenses the total amount of insurance in this pol- incurred and records that support the fair icy on the damaged building bears to rental value loss; and 80% of the replacement cost of the (8) Evidence or affidavit that supports a claim building. under the Credit Card, Fund Transfer Card, (3) To determine the amount of insurance Forgery and Counterfeit Money coverage, required to equal 80% of the full replace- stating the amount and cause of loss. ment cost of the building immediately be- 3. Loss Settlement. Covered property losses are fore the loss, do not include the value of: settled as follows: (a) Excavations, foundations, piers or any a. Property of the following types: supports which are below the undersur- (1) Personal property; face of the lowest basement floor; (2) Awnings, carpeting, household appliances, (b) Those supports in (a) above which are outdoor antennas and outdoor equipment, below the surface of the ground inside whether or not attached to buildings; and the foundation walls, if there is no basement; and (3) Structures that are not buildings; (c) Underground flues, pipes, wiring and at actual cash value at the time of loss but not drains. more than the amount required to repair or replace. (4) We will pay no more than the actual cash value of the damage until actual repair or b. Buildings under Coverage A or B at replace- replacement is complete. Once actual re- ment cost without deduction for depreciation, pair or replacement is complete, we will subject to the following: settle the loss according to the provisions (1) If, at the time of loss, the amount of insur- of b.(1) and b.(2) above. ance in this policy on the damaged building However, if the cost to repair or replace the is 80% or more of the full replacement cost damage is both: of the building immediately before the loss, we will pay the cost to repair or replace, af- (a) Less than 5% of the amount of insur- ter application of deductible and without ance in this policy on the building; and deduction for depreciation, but not more (b) Less than $2500; than the least of the following amounts: we will settle the loss according to the pro- (a) The limit of liability under this policy that visions of b.(1) and b.(2) above whether or applies to the building; not actual repair or replacement is com- (b) The replacement cost of that part of the plete. building damaged for like construction and use on the same premises; or

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(5) You may disregard the replacement cost 10. Loss Payment. We will adjust all losses with you. loss settlement provisions and make claim We will pay you unless some other person is under this policy for loss or damage to named in the policy or is legally entitled to receive buildings on an actual cash value basis. payment. Loss will be payable 60 days after we You may then make claim within 180 days receive your proof of loss and: after loss for any additional liability accord- a. Reach an agreement with you; ing to the provisions of this Condition 3. Loss Settlement. b. There is an entry of a final judgment; or 4. Loss to a Pair or Set. In case of loss to a pair or c. There is a filing of an appraisal award with us. set we may elect to: 11. Abandonment of Property. We need not accept a. Repair or replace any part to restore the pair or any property abandoned by an "insured." set to its value before the loss; or 12. Mortgage Clause. b. Pay the difference between actual cash value The word "mortgagee" includes trustee. of the property before and after the loss. If a mortgagee is named in this policy, any loss 5. Glass Replacement. Loss for damage to glass payable under Coverage A or B will be paid to the caused by a Peril Insured Against will be settled mortgagee and you, as interests appear. If more on the basis of replacement with safety glazing than one mortgagee is named, the order of pay- materials when required by ordinance or law. ment will be the same as the order of precedence 6. Appraisal. If you and we fail to agree on the of the mortgages. amount of loss, either may demand an appraisal If we deny your claim, that denial will not apply to of the loss. In this event, each party will choose a a valid claim of the mortgagee, if the mortgagee: competent appraiser within 20 days after receiving a. Notifies us of any change in ownership, occu- a written request from the other. The two apprais- pancy or substantial change in risk of which ers will choose an umpire. If they cannot agree the mortgagee is aware; upon an umpire within 15 days, you or we may request that the choice be made by a judge of a b. Pays any premium due under this policy on court of record in the state where the "residence demand if you have neglected to pay the pre- premises" is located. The appraisers will sepa- mium; and rately set the amount of loss. If the appraisers c. Submits a signed, sworn statement of loss submit a written report of an agreement to us, the within 60 days after receiving notice from us of amount agreed upon will be the amount of loss. If your failure to do so. Policy conditions relating they fail to agree, they will submit their differences to Appraisal, Suit Against Us and Loss Pay- to the umpire. A decision agreed to by any two will ment apply to the mortgagee. set the amount of loss. If we decide to cancel or not to renew this policy, Each party will: the mortgagee will be notified at least 10 days be- a. Pay its own appraiser; and fore the date cancellation or nonrenewal takes effect. b. Bear the other expenses of the appraisal and umpire equally. If we pay the mortgagee for any loss and deny payment to you: 7. Other Insurance. If a loss covered by this policy is also covered by other insurance, we will pay a. We are subrogated to all the rights of the mort- only the proportion of the loss that the limit of li- gagee granted under the mortgage on the ability that applies under this policy bears to the property; or total amount of insurance covering the loss. b. At our option, we may pay to the mortgagee 8. Suit Against Us. No action can be brought unless the whole principal on the mortgage plus any the policy provisions have been complied with and accrued interest. In this event, we will receive the action is started within one year after the date a full assignment and transfer of the mortgage of loss. and all securities held as collateral to the mortgage debt. 9. Our Option. If we give you written notice within 30 days after we receive your signed, sworn proof Subrogation will not impair the right of the mort- of loss, we may repair or replace any part of the gagee to recover the full amount of the mort- damaged property with like property. gagee's claim.

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13. No Benefit to Bailee. We will not recognize any c. This policy does not apply under Section I to assignment or grant any coverage that benefits a loss caused directly or indirectly by nuclear person or organization holding, storing or moving hazard, except that direct loss by fire resulting property for a fee regardless of any other provi- from the nuclear hazard is covered. sion of this policy. 15. Recovered Property. If you or we recover any 14. Nuclear Hazard Clause. property for which we have made payment under a. "Nuclear Hazard" means any nuclear reaction, this policy, you or we will notify the other of the radiation, or radioactive contamination, all recovery. At your option, the property will be re- whether controlled or uncontrolled or however turned to or retained by you or it will become our caused, or any consequence of any of these. property. If the recovered property is returned to or retained by you, the loss payment will be ad- b. Loss caused by the nuclear hazard will not be justed based on the amount you received for the considered loss caused by fire, explosion, or recovered property. smoke, whether these perils are specifically named in or otherwise included within the Per- 16. Volcanic Eruption Period. One or more volcanic ils Insured Against in Section I. eruptions that occur within a 72-hour period will be considered as one volcanic eruption.

SECTION II – LIABILITY COVERAGES

COVERAGE E – Personal Liability 1. To a person on the "insured location" with the If a claim is made or a suit is brought against an permission of an "insured"; or "insured" for damages because of "bodily injury" or 2. To a person off the "insured location," if the "bod- "property damage" caused by an "occurrence" to ily injury": which this coverage applies, we will: a. Arises out of a condition on the "insured loca- 1. Pay up to our limit of liability for the damages for tion" or the ways immediately adjoining; which the "insured" is legally liable. Damages in- b. Is caused by the activities of an "insured"; clude prejudgment interest awarded against the "insured"; and c. Is caused by a "residence employee" in the course of the "residence employee's" employ- 2. Provide a defense at our expense by counsel of ment by an "insured"; or our choice, even if the suit is groundless, false or fraudulent. We may investigate and settle any d. Is caused by an animal owned by or in the care claim or suit that we decide is appropriate. Our of an "insured." duty to settle or defend ends when the amount we pay for damages resulting from the "occurrence" equals our limit of liability. COVERAGE F – Medical Payments To Others We will pay the necessary medical expenses that are incurred or medically ascertained within three years from the date of an accident causing "bodily injury." Medical expenses means reasonable charges for medical, surgical, x-ray, dental, ambulance, hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to you or regular residents of your household except "residence employees." As to others, this coverage applies only:

SECTION II – EXCLUSIONS

1. Coverage E – Personal Liability and Coverage b. Arising out of or in connection with a "busi- F – Medical Payments to Others do not apply to ness" engaged in by an "insured." This exclu- "bodily injury" or "property damage": sion applies but is not limited to an act or a. Which is expected or intended by the "in- omission, regardless of its nature or circum- sured"; stance, involving a service or duty rendered, promised, owed, or implied to be provided because of the nature of the "business";

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c. Arising out of the rental or holding for rental of g. Arising out of: any part of any premises by an "insured." This (1) The ownership, maintenance, use, loading exclusion does not apply to the rental or hold- or unloading of an excluded watercraft de- ing for rental of an "insured location": scribed below; (1) On an occasional basis if used only as a (2) The entrustment by an "insured" of an residence; excluded watercraft described below to any (2) In part for use only as a residence, unless a person; or single family unit is intended for use by the (3) Vicarious liability, whether or not statutorily occupying family to lodge more than two imposed, for the actions of a child or minor roomers or boarders; or using an excluded watercraft described be- (3) In part, as an office, school, studio or pri- low. vate garage; Excluded watercraft are those that are princi- d. Arising out of the rendering of or failure to pally designed to be propelled by engine power render professional services; or electric motor, or are sailing vessels, e. Arising out of a premises: whether owned by or rented to an "insured." This exclusion does not apply to watercraft: (1) Owned by an "insured"; (1) That are not sailing vessels and are pow- (2) Rented to an "insured"; or ered by: (3) Rented to others by an "insured"; (a) Inboard or inboard-outdrive engine or that is not an "insured location"; motor power of 50 horsepower or less not owned by an "insured"; f. Arising out of: (b) Inboard or inboard-outdrive engine or (1) The ownership, maintenance, use, loading motor power of more than 50 horse- or unloading of motor vehicles or all other power not owned by or rented to an "in- motorized land conveyances, including sured"; trailers, owned or operated by or rented or loaned to an "insured"; (c) One or more outboard engines or motors with 25 total horsepower or less; (2) The entrustment by an "insured" of a motor vehicle or any other motorized land con- (d) One or more outboard engines or mo- veyance to any person; or tors with more than 25 total horsepower if the outboard engine or motor is not (3) Vicarious liability, whether or not statutorily owned by an "insured"; imposed, for the actions of a child or minor using a conveyance excluded in paragraph (e) Outboard engines or motors of more (1) or (2) above. than 25 total horsepower owned by an "insured" if: This exclusion does not apply to: (i) You acquire them prior to the policy (1) A trailer not towed by or carried on a motor- period; and ized land conveyance. (a) You declare them at policy incep- (2) A motorized land conveyance designed for tion; or recreational use off public roads, not subject to motor vehicle registration and: (b) Your intention to insure is reported to us in writing within 45 (a) Not owned by an "insured"; or days after you acquire the out- (b) Owned by an "insured" and on an "inboard engines or motors. sured location"; (ii) You acquire them during the policy (3) A motorized golf cart when used to play period. golf on a golf course; This coverage applies for the policy pe- (4) A vehicle or conveyance not subject to riod. motor vehicle registration which is: (2) That are sailing vessels, with or without (a) Used to service an "insured's" resi- auxiliary power: dence; (a) Less than 26 feet in overall length; (b) Designed for assisting the handicapped; (b) 26 feet or more in overall length, not or owned by or rented to an "insured." (c) In dead storage on an "insured location";

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(3) That are stored; (a) That directly relate to the ownership, h. Arising out of: maintenance or use of an "insured location"; or (1) The ownership, maintenance, use, loading or unloading of an aircraft; (b) Where the liability of others is assumed by the "insured" prior to an "occur- (2) The entrustment by an "insured" of an rence"; aircraft to any person; or unless excluded in (1) above or elsewhere (3) Vicarious liability, whether or not statutorily in this policy; imposed, for the actions of a child or minor using an aircraft. b. "Property damage" to property owned by the "insured"; An aircraft means any contrivance used or designed for flight, except model or hobby air- c. "Property damage" to property rented to, occu- craft not used or designed to carry people or pied or used by or in the care of the "insured." cargo; This exclusion does not apply to "property damage" caused by fire, smoke or explosion; i. Caused directly or indirectly by war, including the following and any consequence of any of d. "Bodily injury" to any person eligible to receive the following: any benefits: (1) Undeclared war, civil war, insurrection, (1) Voluntarily provided; or rebellion or revolution; (2) Required to be provided; (2) Warlike act by a military force or military by the "insured" under any: personnel; or (1) Workers' compensation law; (3) Destruction, seizure or use for a military (2) Non-occupational disability law; or purpose. (3) Occupational disease law; Discharge of a nuclear weapon will be deemed a warlike act even if accidental; e. "Bodily injury" or "property damage" for which an "insured" under this policy: j. Which arises out of the transmission of a communicable disease by an "insured"; (1) Is also an insured under a nuclear energy liability policy; or k. Arising out of sexual molestation, corporal punishment or physical or mental abuse; or (2) Would be an insured under that policy but for the exhaustion of its limit of liability. l. Arising out of the use, sale, manufacture, delivery, transfer or possession by any person A nuclear energy liability policy is one issued of a Controlled Substance(s) as defined by the by: Federal Food and Drug Law at 21 U.S.C.A. (1) American Nuclear Insurers; Sections 811 and 812. Controlled Substances (2) Mutual Atomic Energy Liability Underwrit- include but are not limited to cocaine, LSD, ers; marijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use (3) Nuclear Insurance Association of Canada; of prescription drugs by a person following the or any of their successors; or orders of a licensed physician. f. "Bodily injury" to you or an "insured" within the Exclusions e., f., g., and h. do not apply to "bodily meaning of part a. or b. of "insured" as de- injury" to a "residence employee" arising out of fined. and in the course of the "residence employee's" employment by an "insured." 3. Coverage F – Medical Payments to Others, does not apply to "bodily injury": 2. Coverage E – Personal Liability, does not apply to: a. To a "residence employee" if the "bodily injury": a. Liability: (1) Occurs off the "insured location"; and (1) For any loss assessment charged against you as a member of an association, corpo- (2) Does not arise out of or in the course of the ration or community of property owners; "residence employee's" employment by an "insured"; (2) Under any contract or agreement. How- ever, this exclusion does not apply to written contracts:

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b. To any person eligible to receive benefits: (2) Nuclear radiation; or (1) Voluntarily provided; or (3) Radioactive contamination; (2) Required to be provided; all whether controlled or uncontrolled or how- under any: ever caused; or (1) Workers' compensation law; (4) Any consequence of any of these; or (2) Non-occupational disability law; or d. To any person, other than a "residence employee" of an "insured," regularly residing on (3) Occupational disease law; any part of the "insured location." c. From any: (1) Nuclear reaction;

SECTION II – ADDITIONAL COVERAGES

We cover the following in addition to the limits of e. Arising out of: liability: (1) A "business" engaged in by an "insured"; 1. Claim Expenses. We pay: (2) Any act or omission in connection with a a. Expenses we incur and costs taxed against an premises owned, rented or controlled by an "insured" in any suit we defend; "insured," other than the "insured location"; b. Premiums on bonds required in a suit we de- or fend, but not for bond amounts more than the (3) The ownership, maintenance, or use of limit of liability for Coverage E. We need not aircraft, watercraft or motor vehicles or all apply for or furnish any bond; other motorized land conveyances. c. Reasonable expenses incurred by an "insured" This exclusion does not apply to a motor- at our request, including actual loss of earnings ized land conveyance designed for recrea- (but not loss of other income) up to $50 per tional use off public roads, not subject to day, for assisting us in the investigation or de- motor vehicle registration and not owned fense of a claim or suit; and by an "insured." d. Interest on the entire judgment which accrues 4. Loss Assessment. We will pay up to $1000 for after entry of the judgment and before we pay your share of loss assessment charged during the or tender, or deposit in court that part of the policy period against you by a corporation or as- judgment which does not exceed the limit of li- sociation of property owners, when the assess- ability that applies. ment is made as a result of: 2. First Aid Expenses. We will pay expenses for a. "Bodily injury" or "property damage" not ex- first aid to others incurred by an "insured" for cluded under Section II of this policy; or "bodily injury" covered under this policy. We will b. Liability for an act of a director, officer or trus- not pay for first aid to you or any other "insured." tee in the capacity as a director, officer or trus- 3. Damage to Property of Others. We will pay, at tee, provided: replacement cost, up to $500 per "occurrence" for (1) The director, officer or trustee is elected by "property damage" to property of others caused by the members of a corporation or associa- an "insured." tion of property owners; and We will not pay for "property damage": (2) The director, officer or trustee serves with- a. To the extent of any amount recoverable under out deriving any income from the exercise Section I of this policy; of duties which are solely on behalf of a b. Caused intentionally by an "insured" who is 13 corporation or association of property own- years of age or older; ers. c. To property owned by an "insured"; This coverage applies only to loss assessments charged against you as owner or tenant of the d. To property owned by or rented to a tenant of "residence premises." an "insured" or a resident in your household; or

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We do not cover loss assessments charged b. A covered act of a director, officer or trustee. against you or a corporation or association of An act involving more than one director, officer property owners by any governmental body. or trustee is considered to be a single act. Regardless of the number of assessments, the The following do not apply to this coverage: limit of $1000 is the most we will pay for loss aris- 1. Section II – Coverage E – Personal Liability ing out of: Exclusion 2.a.(1); a. One accident, including continuous or repeated 2. Condition 1. Policy Period, under SECTIONS I exposure to substantially the same general AND II – CONDITIONS. harmful condition; or

SECTION II – CONDITIONS

1. Limit of Liability. Our total liability under Cover- c. At our request, help us: age E for all damages resulting from any one "oc- (1) To make settlement; currence" will not be more than the limit of liability for Coverage E as shown in the Declarations. This (2) To enforce any right of contribution or in- limit is the same regardless of the number of "indemnity against any person or organization sureds," claims made or persons injured. All "bod- who may be liable to an "insured"; ily injury" and "property damage" resulting from (3) With the conduct of suits and attend hear- any one accident or from continuous or repeated ings and trials; and exposure to substantially the same general harm- (4) To secure and give evidence and obtain ful conditions shall be considered to be the result the attendance of witnesses; of one "occurrence." d. Under the coverage – Damage to Property of Our total liability under Coverage F for all medical Others – submit to us within 60 days after the expense payable for "bodily injury" to one person loss, a sworn statement of loss and show the as the result of one accident will not be more than damaged property, if in the "insured's" control; the limit of liability for Coverage F as shown in the Declarations. e. The "insured" will not, except at the "insured's" own cost, voluntarily make payment, assume 2. Severability of Insurance. This insurance applies obligation or incur expense other than for first separately to each "insured." This condition will aid to others at the time of the "bodily injury." not increase our limit of liability for any one "occurrence." 4. Duties of an Injured Person – Coverage F – Medical Payments to Others. 3. Duties After Loss. In case of an accident or "occurrence," the "insured" will perform the follow- The injured person or someone acting for the in- ing duties that apply. You will help us by seeing jured person will: that these duties are performed: a. Give us written proof of claim, under oath if a. Give written notice to us or our agent as soon required, as soon as is practical; and as is practical, which sets forth: b. Authorize us to obtain copies of medical re- (1) The identity of the policy and "insured"; ports and records. (2) Reasonably available information on the The injured person will submit to a physical exam time, place and circumstances of the acci- by a doctor of our choice when and as often as we dent or "occurrence"; and reasonably require. (3) Names and addresses of any claimants and 5. Payment of Claim – Coverage F – Medical witnesses; Payments to Others. Payment under this coverage is not an admission of liability by an "insured" b. Promptly forward to us every notice, demand, or us. summons or other process relating to the accident or "occurrence";

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6. Suit Against Us. No action can be brought 7. Bankruptcy of an Insured. Bankruptcy or insol- against us unless there has been compliance with vency of an "insured" will not relieve us of our ob- the policy provisions. ligations under this policy. No one will have the right to join us as a party to 8. Other Insurance – Coverage E – Personal Li- any action against an "insured." Also, no action ability. This insurance is excess over other valid with respect to Coverage E can be brought and collectible insurance except insurance written against us until the obligation of the "insured" has specifically to cover as excess over the limits of been determined by final judgment or agreement liability that apply in this policy. signed by us.

SECTIONS I AND II – CONDITIONS

1. Policy Period. This policy applies only to loss in (1) When you have not paid the premium, we Section I or "bodily injury" or "property damage" in may cancel at any time by letting you know Section II, which occurs during the policy period. at least 10 days before the date cancella- 2. Concealment or Fraud. The entire policy will be tion takes effect. void if, whether before or after a loss, an "insured" (2) When this policy has been in effect for less has: than 60 days and is not a renewal with us, a. Intentionally concealed or misrepresented any we may cancel for any reason by letting material fact or circumstance; you know at least 10 days before the date cancellation takes effect. b. Engaged in fraudulent conduct; or (3) When this policy has been in effect for 60 c. Made false statements; days or more, or at any time if it is a re- relating to this insurance. newal with us, we may cancel: 3. Liberalization Clause. If we make a change (a) If there has been a material misrepre- which broadens coverage under this edition of our sentation of fact which if known to us policy without additional premium charge, that would have caused us not to issue the change will automatically apply to your insurance policy; or as of the date we implement the change in your (b) If the risk has changed substantially state, provided that this implementation date falls since the policy was issued. within 60 days prior to or during the policy period stated in the Declarations. This can be done by letting you know at least 30 days before the date cancellation This Liberalization Clause does not apply to takes effect. changes implemented through introduction of a subsequent edition of our policy. (4) When this policy is written for a period of more than one year, we may cancel for any 4. Waiver or Change of Policy Provisions. reason at anniversary by letting you know A waiver or change of a provision of this policy at least 30 days before the date cancella- must be in writing by us to be valid. Our request tion takes effect. for an appraisal or examination will not waive any c. When this policy is cancelled, the premium for of our rights. the period from the date of cancellation to the 5. Cancellation. expiration date will be refunded pro rata. a. You may cancel this policy at any time by d. If the return premium is not refunded with the returning it to us or by letting us know in writing notice of cancellation or when this policy is re- of the date cancellation is to take effect. turned to us, we will refund it within a reasonable time after the date cancellation takes ef- b. We may cancel this policy only for the reasons fect. stated below by letting you know in writing of the date cancellation takes effect. This cancel- 6. Nonrenewal. We may elect not to renew this lation notice may be delivered to you, or policy. We may do so by delivering to you, or mailed to you at your mailing address shown in mailing to you at your mailing address shown in the Declarations. the Declarations, written notice at least 30 days before the expiration date of this policy. Proof of Proof of mailing will be sufficient proof of no- mailing will be sufficient proof of notice. tice. 7. Assignment. Assignment of this policy will not be valid unless we give our written consent.

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8. Subrogation. An "insured" may waive in writing a. We insure the legal representative of the de- before a loss all rights of recovery against any ceased but only with respect to the premises person. If not waived, we may require an assign- and property of the deceased covered under ment of rights of recovery for a loss to the extent the policy at the time of death; that payment is made by us. b. "Insured" includes: If an assignment is sought, an "insured" must sign (1) Any member of your household who is an and deliver all related papers and cooperate with "insured" at the time of your death, but only us. while a resident of the "residence prem- Subrogation does not apply under Section II to ises"; and Medical Payments to Others or Damage to Prop- (2) With respect to your property, the person erty of Others. having proper temporary custody of the 9. Death. If any person named in the Declarations or property until appointment and qualification the spouse, if a resident of the same household, of a legal representative. dies:

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HOMEOWNERS HO 00 04 04 91

HOMEOWNERS 4 CONTENTS BROAD FORM

AGREEMENT

We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy.

DEFINITIONS

In this policy, "you" and "your" refer to the "named b. The part of other premises, other structures insured" shown in the Declarations and the spouse if and grounds used by you as a residence and: a resident of the same household. "We," "us" and (1) Which is shown in the Declarations; or "our" refer to the Company providing this insurance. In addition, certain words and phrases are defined as (2) Which is acquired by you during the policy follows: period for your use as a residence; 1. "Bodily injury" means bodily harm, sickness or c. Any premises used by you in connection with a disease, including required care, loss of services premises in 4.a. and 4.b. above; and death that results. d. Any part of a premises: 2. "Business" includes trade, profession or occupa- (1) Not owned by an "insured"; and tion. (2) Where an "insured" is temporarily residing; 3. "Insured" means you and residents of your house- e. Vacant land, other than farm land, owned by or hold who are: rented to an "insured"; a. Your relatives; or f. Land owned by or rented to an "insured" on b. Other persons under the age of 21 and in the which a one or two family dwelling is being care of any person named above. built as a residence for an "insured"; Under Section II, "insured" also means: g. Individual or family cemetery plots or burial c. With respect to animals or watercraft to which vaults of an "insured"; or this policy applies, any person or organization h. Any part of a premises occasionally rented to legally responsible for these animals or water- an "insured" for other than "business" use. craft which are owned by you or any person in- 5. "Occurrence" means an accident, including con- cluded in 3.a. or 3.b. above. A person or or- tinuous or repeated exposure to substantially the ganization using or having custody of these same general harmful conditions, which results, animals or watercraft in the course of any during the policy period, in: "business" or without consent of the owner is not an "insured"; a. "Bodily injury"; or d. With respect to any vehicle to which this policy b. "Property damage." applies: 6. "Property damage" means physical injury to, de- (1) Persons while engaged in your employ or struction of, or loss of use of tangible property. that of any person included in 3.a. or 3.b. 7. "Residence employee" means: above; or a. An employee of an "insured" whose duties are (2) Other persons using the vehicle on an related to the maintenance or use of the "resi- "insured location" with your consent. dence premises," including household or do- 4. "Insured location" means: mestic services; or a. The "residence premises";

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b. One who performs similar duties elsewhere not where you reside and which is shown as the "resi- related to the "business" of an "insured." dence premises" in the Declarations. 8. "Residence premises" means: "Residence premises" also means a two family a. The one family dwelling, other structures, and dwelling where you reside in at least one of the grounds; or family units and which is shown as the "residence premises" in the Declarations. b. That part of any other building;

SECTION I – PROPERTY COVERAGES

COVERAGE C – Personal Property 6. $2000 for loss by theft of firearms. We cover personal property owned or used by an 7. $2500 for loss by theft of silverware, silver-plated "insured" while it is anywhere in the world. At your ware, goldware, gold-plated ware and pewterware. request, we will cover personal property owned by: This includes flatware, hollowware, tea sets, trays 1. Others while the property is on the part of the and trophies made of or including silver, gold or "residence premises" occupied by an "insured"; pewter. 2. A guest or a "residence employee," while the 8. $2500 on property, on the "residence premises," property is in any residence occupied by an "in- used at any time or in any manner for any "busi- sured." ness" purpose. Our limit of liability for personal property usually 9. $250 on property, away from the "residence prem- located at an "insured's" residence, other than the ises," used at any time or in any manner for any "residence premises," is 10% of the limit of liability for "business" purpose. However, this limit does not Coverage C, or $1000, whichever is greater. Personal apply to loss to adaptable electronic apparatus as property in a newly acquired principal residence is not described in Special Limits 10. and 11. below. subject to this limitation for the 30 days from the time 10. $1000 for loss to electronic apparatus, while in or you begin to move the property there. upon a motor vehicle or other motorized land Special Limits of Liability. These limits do not in- conveyance, if the electronic apparatus is crease the Coverage C limit of liability. The special equipped to be operated by power from the elec- limit for each numbered category below is the total trical system of the vehicle or conveyance while limit for each loss for all property in that category. retaining its capability of being operated by other sources of power. Electronic apparatus includes: 1. $200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, plati- a. Accessories or antennas; or num, coins and medals. b. Tapes, wires, records, discs or other media; 2. $1000 on securities, accounts, deeds, evidences for use with any electronic apparatus. of debt, letters of credit, notes other than bank 11. $1000 for loss to electronic apparatus, while not in notes, manuscripts, personal records, passports, or upon a motor vehicle or other motorized land tickets and stamps. This dollar limit applies to conveyance, if the electronic apparatus: these categories regardless of the medium (such as paper or computer software) on which the ma- a. Is equipped to be operated by power from the terial exists. electrical system of the vehicle or conveyance while retaining its capability of being operated This limit includes the cost to research, replace or by other sources of power; restore the information from the lost or damaged material. b. Is away from the "residence premises"; and 3. $1000 on watercraft, including their trailers, fur- c. Is used at any time or in any manner for any nishings, equipment and outboard engines or mo- "business" purpose. tors. Electronic apparatus includes: 4. $1000 on trailers not used with watercraft. a. Accessories or antennas; or 5. $1000 for loss by theft of jewelry, watches, furs, precious and semi-precious stones.

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b. Tapes, wires, records, discs or other media; COVERAGE D – Loss Of Use for use with any electronic apparatus. The limit of liability for Coverage D is the total limit Property Not Covered. We do not cover: for all the coverages that follow. 1. Articles separately described and specifically 1. If a loss by a Peril Insured Against under this insured in this or other insurance; policy to covered property or the building containing the property makes the "residence premises" 2. Animals, birds or fish; not fit to live in, we cover, at your choice, either of 3. Motor vehicles or all other motorized land con- the following. However, if the "residence prem- veyances. This includes: ises" is not your principal place of residence, we will not provide the option under paragraph b. be- a. Their equipment and accessories; or low. b. Electronic apparatus that is designed to be a. Additional Living Expense, meaning any operated solely by use of the power from the necessary increase in living expenses incurred electrical system of motor vehicles or all other by you so that your household can maintain its motorized land conveyances. Electronic appa- normal standard of living; or ratus includes: b. Fair Rental Value, meaning the fair rental (1) Accessories or antennas; or value of that part of the "residence premises" (2) Tapes, wires, records, discs or other media; where you reside less any expenses that do for use with any electronic apparatus. not continue while the premises is not fit to live in. The exclusion of property described in 3.a. and 3.b. above applies only while the property is in Payment under a. or b. will be for the shortest or upon the vehicle or conveyance. time required to repair or replace the damage or, if you permanently relocate, the shortest time re- We do cover vehicles or conveyances not subject quired for your household to settle elsewhere. to motor vehicle registration which are: 2. If a loss covered under this Section makes that a. Used to service an "insured's" residence; or part of the "residence premises" rented to others b. Designed for assisting the handicapped; or held for rental by you not fit to live in, we cover 4. Aircraft and parts. Aircraft means any contrivance the: used or designed for flight, except model or hobby Fair Rental Value, meaning the fair rental aircraft not used or designed to carry people or value of that part of the "residence premises" cargo; rented to others or held for rental by you less 5. Property of roomers, boarders and other tenants, any expenses that do not continue while the except property of roomers and boarders related premises is not fit to live in. to an "insured"; Payment will be for the shortest time required to 6. Property in an apartment regularly rented or held repair or replace that part of the premises rented for rental to others by an "insured"; or held for rental. 7. Property rented or held for rental to others off the 3. If a civil authority prohibits you from use of the "residence premises"; "residence premises" as a result of direct damage to neighboring premises by a Peril Insured Against 8. "Business" data, including such data stored in: in this policy, we cover the Additional Living Ex- a. Books of account, drawings or other paper pense and Fair Rental Value loss as provided un- records; or der 1. and 2. above for no more than two weeks. b. Electronic data processing tapes, wires, re- The periods of time under 1., 2. and 3. above are not cords, discs or other software media. limited by expiration of this policy. However, we do cover the cost of blank recording We do not cover loss or expense due to cancellation or storage media, and of pre-recorded computer of a lease or agreement. programs available on the retail market; or 9. Credit cards or fund transfer cards except as provided in Additional Coverages 6.

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ADDITIONAL COVERAGES We will pay up to 10% of the limit of liability that 1. Debris Removal. We will pay your reasonable applies to Coverage C for all trees, shrubs, plants expense for the removal of: or lawns. No more than $500 of this limit will be available for any one tree, shrub or plant. We do a. Debris of covered property if a Peril Insured not cover property grown for "business" purposes. Against that applies to the damaged property causes the loss; or This coverage is additional insurance. b. Ash, dust or particles from a volcanic eruption 4. Fire Department Service Charge. We will pay up that has caused direct loss to a building or to $500 for your liability assumed by contract or property contained in a building. agreement for fire department charges incurred when the fire department is called to save or pro- This expense is included in the limit of liability that tect covered property from a Peril Insured applies to the damaged property. If the amount to Against. We do not cover fire department service be paid for the actual damage to the property plus charges if the property is located within the limits the debris removal expense is more than the limit of the city, municipality or protection district fur- of liability for the damaged property, an additional nishing the fire department response. 5% of that limit of liability is available for debris removal expense. This coverage is additional insurance. No deductible applies to this coverage. We will also pay your reasonable expense, up to $500, for the removal from the "residence prem- 5. Property Removed. We insure covered property ises" of: against direct loss from any cause while being removed from a premises endangered by a Peril a. Your tree(s) felled by the peril of Windstorm or Insured Against and for no more than 30 days Hail; while removed. This coverage does not change b. Your tree(s) felled by the peril of Weight of Ice, the limit of liability that applies to the property be- Snow or Sleet; or ing removed. c. A neighbor's tree(s) felled by a Peril Insured 6. Credit Card, Fund Transfer Card, Forgery and Against under Coverage C; Counterfeit Money. provided the tree(s) damages a covered structure. We will pay up to $500 for: The $500 limit is the most we will pay in any one a. The legal obligation of an "insured" to pay loss regardless of the number of fallen trees. because of the theft or unauthorized use of 2. Reasonable Repairs. In the event that covered credit cards issued to or registered in an "in- property is damaged by an applicable Peril In- sured's" name; sured Against, we will pay the reasonable cost in- b. Loss resulting from theft or unauthorized use curred by you for necessary measures taken of a fund transfer card used for deposit, with- solely to protect against further damage. If the drawal or transfer of funds, issued to or regis- measures taken involve repair to other damaged tered in an "insured's" name; property, we will pay for those measures only if that property is covered under this policy and the c. Loss to an "insured" caused by forgery or al- damage to that property is caused by an applica- teration of any check or negotiable instrument; ble Peril Insured Against. and This coverage: d. Loss to an "insured" through acceptance in good faith of counterfeit United States or Ca- a. Does not increase the limit of liability that nadian paper currency. applies to the covered property; We do not cover use of a credit card or fund b. Does not relieve you of your duties, in case of transfer card: a loss to covered property, as set forth in SECTION I – CONDITION 2.d. a. By a resident of your household; 3. Trees, Shrubs and Other Plants. We cover b. By a person who has been entrusted with ei- trees, shrubs, plants or lawns, on the "residence ther type of card; or premises," for loss caused by the following Perils c. If an "insured" has not complied with all terms Insured Against: Fire or lightning, Explosion, Riot and conditions under which the cards are is- or civil commotion, Aircraft, Vehicles not owned or sued. operated by a resident of the "residence premises," Vandalism or malicious mischief or Theft.

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All loss resulting from a series of acts committed b. Hidden decay; by any one person or in which any one person is c. Hidden insect or vermin damage; concerned or implicated is considered to be one loss. d. Weight of contents, equipment, animals or people; We do not cover loss arising out of "business" use or dishonesty of an "insured." e. Weight of rain which collects on a roof; or This coverage is additional insurance. No deducti- f. Use of defective material or methods in con- ble applies to this coverage. struction, remodeling or renovation if the collapse occurs during the course of the construc- Defense: tion, remodeling or renovation. a. We may investigate and settle any claim or Loss to an awning, fence, patio, pavement, suit that we decide is appropriate. Our duty to swimming pool, underground pipe, flue, drain, defend a claim or suit ends when the amount cesspool, septic tank, foundation, retaining wall, we pay for the loss equals our limit of liability. bulkhead, pier, wharf or dock is not included under b. If a suit is brought against an "insured" for items b., c., d., e., and f. unless the loss is a di- liability under the Credit Card or Fund Transfer rect result of the collapse of a building. Card coverage, we will provide a defense at Collapse does not include settling, cracking, our expense by counsel of our choice. shrinking, bulging or expansion. c. We have the option to defend at our expense This coverage does not increase the limit of liabil- an "insured" or an "insured's" bank against any ity applying to the damaged covered property. suit for the enforcement of payment under the Forgery coverage. 9. Glass or Safety Glazing Material. 7. Loss Assessment. We will pay up to $1000 for We cover: your share of loss assessment charged during the a. The breakage of glass or safety glazing mate- policy period against you by a corporation or as- rial which is part of a building, storm door or sociation of property owners, when the assess- storm window, and covered as Building Addi- ment is made as a result of direct loss to the tions and Alterations; and property, owned by all members collectively, b. Damage to covered property by glass or safety caused by a Peril Insured Against under COVER- glazing material which is part of a building, AGE C – PERSONAL PROPERTY, other than storm door or storm window. earthquake or land shock waves or tremors before, during or after a volcanic eruption. This coverage does not include loss on the "residence premises" if the dwelling has been vacant This coverage applies only to loss assessments for more than 30 consecutive days immediately charged against you as owner or tenant of the before the loss. "residence premises." Loss for damage to glass will be settled on the ba- We do not cover loss assessments charged sis of replacement with safety glazing materials against you or a corporation or association of when required by ordinance or law. property owners by any governmental body. This coverage does not increase the limit of liabil- The limit of $1000 is the most we will pay with re- ity that applies to the damaged property. spect to any one loss, regardless of the number of assessments. 10. Building Additions and Alterations. We cover under Coverage C the building improvements or Condition 1. Policy Period, under SECTIONS I installations, made or acquired at your expense, to AND II – CONDITIONS, does not apply to this that part of the "residence premises" used exclu- coverage. sively by you. The limit of liability for this cover- 8. Collapse. We insure for direct physical loss to age will not be more than 10% of the limit of liabil- covered property involving collapse of a building ity that applies to Coverage C. or any part of a building caused only by one or This coverage is additional insurance. more of the following: a. Perils Insured Against in COVERAGE C – PERSONAL PROPERTY. These perils apply to covered buildings and personal property for loss insured by this additional coverage;

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SECTION I – PERILS INSURED AGAINST

We insure for direct physical loss to the property a. Property while at any other residence owned described in Coverage C caused by a peril listed by, rented to, or occupied by an "insured," ex- below unless the loss is excluded in SECTION I – cept while an "insured" is temporarily living EXCLUSIONS. there. Property of a student who is an "insured" 1. Fire or lightning. is covered while at a residence away from home if the student has been there at any time 2. Windstorm or hail. during the 45 days immediately before the This peril does not include loss to the property loss; contained in a building caused by rain, snow, b. Watercraft, and their furnishings, equipment sleet, sand or dust unless the direct force of wind and outboard engines or motors; or or hail damages the building causing an opening in a roof or wall and the rain, snow, sleet, sand or c. Trailers and campers. dust enters through this opening. 10. Falling objects. This peril includes loss to watercraft and their This peril does not include loss to the property trailers, furnishings, equipment, and outboard en- contained in the building unless the roof or an out- gines or motors, only while inside a fully enclosed side wall of the building is first damaged by a fal- building. ling object. Damage to the falling object itself is 3. Explosion. not included. 4. Riot or civil commotion. 11. Weight of ice, snow or sleet which causes damage to the property contained in the building. 5. Aircraft, including self-propelled missiles and spacecraft. 12. Accidental discharge or overflow of water or steam from within a plumbing, heating, air condi- 6. Vehicles. tioning or automatic fire protective sprinkler sys- 7. Smoke, meaning sudden and accidental damage tem or from within a household appliance. from smoke. This peril does not include loss: This peril does not include loss caused by smoke a. To the system or appliance from which the from agricultural smudging or industrial opera- water or steam escaped; tions. b. Caused by or resulting from freezing except as 8. Vandalism or malicious mischief. provided in the peril of freezing below; or This peril does not include loss to property on the c. On the "residence premises" caused by acci- "residence premises" if the dwelling has been va- dental discharge or overflow which occurs cant for more than 30 consecutive days immedi- away from the building where the "residence ately before the loss. A dwelling being constructed premises" is located. is not considered vacant. In this peril, a plumbing system does not include a 9. Theft, including attempted theft and loss of prop- sump, sump pump or related equipment. erty from a known place when it is likely that the property has been stolen. 13. Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heat- This peril does not include loss caused by theft: ing system, an air conditioning or automatic fire a. Committed by an "insured"; protective sprinkler system, or an appliance for heating water. b. In or to a dwelling under construction, or of materials and supplies for use in the construc- This peril does not include loss caused by or re- tion until the dwelling is finished and occupied; sulting from freezing except as provided in the or peril of freezing below. c. From that part of a "residence premises" 14. Freezing of a plumbing, heating, air conditioning rented by an "insured" to other than an "in- or automatic fire protective sprinkler system or of sured." a household appliance. This peril does not include loss caused by theft that occurs off the "residence premises" of:

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This peril does not include loss on the "residence 15. Sudden and accidental damage from artifi- premises" while unoccupied, unless you have cially generated electrical current. used reasonable care to: This peril does not include loss to a tube, transis- a. Maintain heat in the building; or tor or similar electronic component. b. Shut off the water supply and drain the system 16. Volcanic eruption other than loss caused by and appliances of water. earthquake, land shock waves or tremors.

SECTION I – EXCLUSIONS

unless specifically provided under this policy. 5. Neglect, meaning neglect of the "insured" to use 2. Earth Movement, meaning earthquake including all reasonable means to save and preserve prop- land shock waves or tremors before, during or af- erty at and after the time of a loss. ter a volcanic eruption; landslide; mine subsidence; mudflow; earth sinking, rising or shifting; 6. War, including the following and any consequence unless direct loss by: of any of the following: a. Fire; a. Undeclared war, civil war, insurrection, rebel- b. Explosion; or lion or revolution; c. Breakage of glass or safety glazing material b. Warlike act by a military force or military per- which is part of a building, storm door or storm sonnel; or window; c. Destruction, seizure or use for a military pur- ensues and then we will pay only for the ensuing pose. loss. Discharge of a nuclear weapon will be deemed a warlike act even if accidental. This exclusion does not apply to loss by theft. 3. Water Damage, meaning: 7. Nuclear Hazard, to the extent set forth in the a. Flood, surface water, waves, tidal water, over- Nuclear Hazard Clause of SECTION I – CONDI- TIONS. flow of a body of water, or spray from any of these, whether or not driven by wind; 8. Intentional Loss, meaning any loss arising out of b. Water which backs up through sewers or any act committed: drains or which overflows from a sump; or a. By or at the direction of an "insured"; and c. Water below the surface of the ground, includ- b. With the intent to cause a loss. ing water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure.

SECTION I – CONDITIONS

1. Insurable Interest and Limit of Liability. Even if b. For more than the applicable limit of liability. more than one person has an insurable interest in 2. Your Duties After Loss. In case of a loss to the property covered, we will not be liable in any covered property, you must see that the following one loss: are done: a. To the "insured" for more than the amount of a. Give prompt notice to us or our agent; the "insured's" interest at the time of loss; or b. Notify the police in case of loss by theft;

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c. Notify the credit card or fund transfer card 4. Loss to a Pair or Set. In case of loss to a pair or company in case of loss under Credit Card or set we may elect to: Fund Transfer Card coverage; a. Repair or replace any part to restore the pair or d. Protect the property from further damage. If set to its value before the loss; or repairs to the property are required, you must: b. Pay the difference between actual cash value (1) Make reasonable and necessary repairs to of the property before and after the loss. protect the property; and 5. Glass Replacement. Loss for damage to glass (2) Keep an accurate record of repair ex- caused by a Peril Insured Against will be settled penses; on the basis of replacement with safety glazing e. Prepare an inventory of damaged personal materials when required by ordinance or law. property showing the quantity, description, ac- 6. Appraisal. If you and we fail to agree on the tual cash value and amount of loss. Attach all amount of loss, either may demand an appraisal bills, receipts and related documents that jus- of the loss. In this event, each party will choose a tify the figures in the inventory; competent appraiser within 20 days after receiving f. As often as we reasonably require: a written request from the other. The two appraisers will choose an umpire. If they cannot agree (1) Show the damaged property; upon an umpire within 15 days, you or we may re- (2) Provide us with records and documents we quest that the choice be made by a judge of a request and permit us to make copies; and court of record in the state where the "residence premises" is located. The appraisers will sepa- (3) Submit to examination under oath, while rately set the amount of loss. If the appraisers not in the presence of any other "insured," submit a written report of an agreement to us, the and sign the same; amount agreed upon will be the amount of loss. If g. Send to us, within 60 days after our request, they fail to agree, they will submit their differences your signed, sworn proof of loss which sets to the umpire. A decision agreed to by any two will forth, to the best of your knowledge and belief: set the amount of loss. (1) The time and cause of loss; Each party will: (2) The interest of the "insured" and all others a. Pay its own appraiser; and in the property involved and all liens on the b. Bear the other expenses of the appraisal and property; umpire equally. (3) Other insurance which may cover the loss; 7. Other Insurance. If a loss covered by this policy (4) Changes in title or occupancy of the prop- is also covered by other insurance, we will pay erty during the term of the policy; only the proportion of the loss that the limit of li- (5) Specifications of damaged buildings and ability that applies under this policy bears to the detailed repair estimates; total amount of insurance covering the loss. (6) The inventory of damaged personal prop- 8. Suit Against Us. No action can be brought unless erty described in 2.e. above; the policy provisions have been complied with and the action is started within one year after the date (7) Receipts for additional living expenses of loss. incurred and records that support the fair rental value loss; and 9. Our Option. If we give you written notice within 30 days after we receive your signed, sworn proof (8) Evidence or affidavit that supports a claim of loss, we may repair or replace any part of the under the Credit Card, Fund Transfer Card, damaged property with like property. Forgery and Counterfeit Money coverage, stating the amount and cause of loss. 10. Loss Payment. We will adjust all losses with you. We will pay you unless some other person is 3. Loss Settlement. Covered property losses are named in the policy or is legally entitled to receive settled at actual cash value at the time of loss but payment. Loss will be payable 60 days after we not more than the amount required to repair or re- receive your proof of loss and: place. a. Reach an agreement with you; b. There is an entry of a final judgment; or c. There is a filing of an appraisal award with us.

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11. Abandonment of Property. We need not accept c. This policy does not apply under Section I to any property abandoned by an "insured." loss caused directly or indirectly by nuclear 12. No Benefit to Bailee. We will not recognize any hazard, except that direct loss by fire resulting assignment or grant any coverage that benefits a from the nuclear hazard is covered. person or organization holding, storing or moving 14. Recovered Property. If you or we recover any property for a fee regardless of any other provi- property for which we have made payment under sion of this policy. this policy, you or we will notify the other of the 13. Nuclear Hazard Clause. recovery. At your option, the property will be returned to or retained by you or it will become our a. "Nuclear Hazard" means any nuclear reaction, property. If the recovered property is returned to radiation, or radioactive contamination, all or retained by you, the loss payment will be ad- whether controlled or uncontrolled or however justed based on the amount you received for the caused, or any consequence of any of these. recovered property. b. Loss caused by the nuclear hazard will not be 15. Volcanic Eruption Period. One or more volcanic considered loss caused by fire, explosion, or eruptions that occur within a 72-hour period will be smoke, whether these perils are specifically considered as one volcanic eruption. named in or otherwise included within the Per- ils Insured Against in Section I.

SECTION II – LIABILITY COVERAGES

COVERAGE E – Personal Liability injury." Medical expenses means reasonable charges If a claim is made or a suit is brought against an for medical, surgical, x-ray, dental, ambulance, hospi- "insured" for damages because of "bodily injury" or tal, professional nursing, prosthetic devices and fu- "property damage" caused by an "occurrence" to neral services. This coverage does not apply to you which this coverage applies, we will: or regular residents of your household except "residence employees." As to others, this coverage ap- 1. Pay up to our limit of liability for the damages for plies only: which the "insured" is legally liable. Damages include prejudgment interest awarded against the 1. To a person on the "insured location" with the "insured"; and permission of an "insured"; or 2. Provide a defense at our expense by counsel of 2. To a person off the "insured location," if the "bod- our choice, even if the suit is groundless, false or ily injury": fraudulent. We may investigate and settle any a. Arises out of a condition on the "insured loca- claim or suit that we decide is appropriate. Our tion" or the ways immediately adjoining; duty to settle or defend ends when the amount we b. Is caused by the activities of an "insured"; pay for damages resulting from the "occurrence" equals our limit of liability. c. Is caused by a "residence employee" in the course of the "residence employee's" employ- COVERAGE F – Medical Payments To Others ment by an "insured"; or We will pay the necessary medical expenses that are d. Is caused by an animal owned by or in the care incurred or medically ascertained within three of an "insured." years from the date of an accident causing "bodily

SECTION II – EXCLUSIONS

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c. Arising out of the rental or holding for rental of g. Arising out of: any part of any premises by an "insured." This (1) The ownership, maintenance, use, loading exclusion does not apply to the rental or hold- or unloading of an excluded watercraft de- ing for rental of an "insured location": scribed below; (1) On an occasional basis if used only as a (2) The entrustment by an "insured" of an residence; excluded watercraft described below to any (2) In part for use only as a residence, unless a person; or single family unit is intended for use by the (3) Vicarious liability, whether or not statutorily occupying family to lodge more than two imposed, for the actions of a child or minor roomers or boarders; or using an excluded watercraft described be- (3) In part, as an office, school, studio or pri- low. vate garage; Excluded watercraft are those that are princi- d. Arising out of the rendering of or failure to pally designed to be propelled by engine power render professional services; or electric motor, or are sailing vessels, e. Arising out of a premises: whether owned by or rented to an "insured." This exclusion does not apply to watercraft: (1) Owned by an "insured"; (1) That are not sailing vessels and are pow- (2) Rented to an "insured"; or ered by: (3) Rented to others by an "insured"; (a) Inboard or inboard-outdrive engine or that is not an "insured location"; motor power of 50 horsepower or less not owned by an "insured"; f. Arising out of: (b) Inboard or inboard-outdrive engine or (1) The ownership, maintenance, use, loading motor power of more than 50 horse- or unloading of motor vehicles or all other power not owned by or rented to an "in- motorized land conveyances, including sured"; trailers, owned or operated by or rented or loaned to an "insured"; (c) One or more outboard engines or motors with 25 total horsepower or less; (2) The entrustment by an "insured" of a motor vehicle or any other motorized land con- (d) One or more outboard engines or mo- veyance to any person; or tors with more than 25 total horsepower if the outboard engine or motor is not (3) Vicarious liability, whether or not statutorily owned by an "insured"; imposed, for the actions of a child or minor using a conveyance excluded in paragraph (e) Outboard engines or motors of more (1) or (2) above. than 25 total horsepower owned by an "insured" if: This exclusion does not apply to: (i) You acquire them prior to the policy (1) A trailer not towed by or carried on a motor- period; and: ized land conveyance. (a) You declare them at policy incep- (2) A motorized land conveyance designed for tion; or recreational use off public roads, not subject to motor vehicle registration and: (b) Your intention to insure is reported to us in writing within 45 (a) Not owned by an "insured"; or days after you acquire the out- (b) Owned by an "insured" and on an "inboard engines or motors. sured location"; (ii) You acquire them during the policy (3) A motorized golf cart when used to play period. golf on a golf course; This coverage applies for the policy pe- (4) A vehicle or conveyance not subject to riod. motor vehicle registration which is: (2) That are sailing vessels, with or without (a) Used to service an "insured's" resi- auxiliary power: dence; (a) Less than 26 feet in overall length; (b) Designed for assisting the handicapped; or (c) In dead storage on an "insured location";

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(b) 26 feet or more in overall length, not (2) Under any contract or agreement. How- owned by or rented to an "insured." ever, this exclusion does not apply to writ- (3) That are stored; ten contracts: h. Arising out of: (a) That directly relate to the ownership, maintenance or use of an "insured loca- (1) The ownership, maintenance, use, loading tion"; or or unloading of an aircraft; (b) Where the liability of others is assumed (2) The entrustment by an "insured" of an by the "insured" prior to an "occur- aircraft to any person; or rence"; (3) Vicarious liability, whether or not statutorily unless excluded in (1) above or elsewhere imposed, for the actions of a child or minor in this policy; using an aircraft. b. "Property damage" to property owned by the An aircraft means any contrivance used or de- "insured"; signed for flight, except model or hobby aircraft not used or designed to carry people or c. "Property damage" to property rented to, occu- cargo; pied or used by or in the care of the "insured." This exclusion does not apply to "property i. Caused directly or indirectly by war, including damage" caused by fire, smoke or explosion; the following and any consequence of any of the following: d. "Bodily injury" to any person eligible to receive any benefits: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (1) Voluntarily provided; or (2) Warlike act by a military force or military (2) Required to be provided; personnel; or by the "insured" under any: (3) Destruction, seizure or use for a military (1) Workers' compensation law; purpose. (2) Non-occupational disability law; or Discharge of a nuclear weapon will be deemed (3) Occupational disease law; a warlike act even if accidental; e. "Bodily injury" or "property damage" for which j. Which arises out of the transmission of a an "insured" under this policy: communicable disease by an "insured"; (1) Is also an insured under a nuclear energy k. Arising out of sexual molestation, corporal liability policy; or punishment or physical or mental abuse; or (2) Would be an insured under that policy but l. Arising out of the use, sale, manufacture, for the exhaustion of its limit of liability. delivery, transfer or possession by any person of a Controlled Substance(s) as defined by the A nuclear energy liability policy is one issued Federal Food and Drug Law at 21 U.S.C.A. by: Sections 811 and 812. Controlled Substances (1) American Nuclear Insurers; include but are not limited to cocaine, LSD, (2) Mutual Atomic Energy Liability Underwrit- marijuana and all narcotic drugs. However, ers; this exclusion does not apply to the legitimate use of prescription drugs by a person following (3) Nuclear Insurance Association of Canada; the orders of a licensed physician. or any of their successors; or Exclusions e., f., g., and h. do not apply to "bodily f. "Bodily injury" to you or an "insured" within the injury" to a "residence employee" arising out of meaning of part a. or b. of "insured" as de- and in the course of the "residence employee's" fined. employment by an "insured." 3. Coverage F – Medical Payments to Others, 2. Coverage E – Personal Liability, does not apply does not apply to "bodily injury": to: a. To a "residence employee" if the "bodily in- a. Liability: jury": (1) For any loss assessment charged against (1) Occurs off the "insured location"; and you as a member of an association, corporation or community of property owners;

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(2) Does not arise out of or in the course of the c. From any: "residence employee's" employment by an (1) Nuclear reaction; "insured"; (2) Nuclear radiation; or b. To any person eligible to receive benefits: (3) Radioactive contamination; (1) Voluntarily provided; or all whether controlled or uncontrolled or how- (2) Required to be provided; ever caused; or under any: (4) Any consequence of any of these; or (1) Workers' compensation law; d. To any person, other than a "residence em- (2) Non-occupational disability law; or ployee" of an "insured," regularly residing on (3) Occupational disease law; any part of the "insured location."

SECTION II – ADDITIONAL COVERAGES

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SECTION II – CONDITIONS

1. Limit of Liability. Our total liability under Cover- (2) To enforce any right of contribution or in- age E for all damages resulting from any one "oc- demnity against any person or organization currence" will not be more than the limit of liability who may be liable to an "insured"; for Coverage E as shown in the Declarations. This (3) With the conduct of suits and attend hear- limit is the same regardless of the number of "in- ings and trials; and sureds," claims made or persons injured. All "bodily injury" and "property damage" resulting from (4) To secure and give evidence and obtain any one accident or from continuous or repeated the attendance of witnesses; exposure to substantially the same general harm- d. Under the coverage – Damage to Property of ful conditions shall be considered to be the result Others – submit to us within 60 days after the of one "occurrence." loss, a sworn statement of loss and show the Our total liability under Coverage F for all medical damaged property, if in the "insured's" control; expense payable for "bodily injury" to one person e. The "insured" will not, except at the "insured's" as the result of one accident will not be more than own cost, voluntarily make payment, assume the limit of liability for Coverage F as shown in the obligation or incur expense other than for first Declarations. aid to others at the time of the "bodily injury."

2. Severability of Insurance. This insurance applies 4. Duties of an Injured Person – Coverage F – separately to each "insured." This condition will Medical Payments to Others. not increase our limit of liability for any one "occurrence." The injured person or someone acting for the injured person will: 3. Duties After Loss. In case of an accident or "occurrence," the "insured" will perform the follow- a. Give us written proof of claim, under oath if ing duties that apply. You will help us by seeing required, as soon as is practical; and that these duties are performed: b. Authorize us to obtain copies of medical re- a. Give written notice to us or our agent as soon ports and records. as is practical, which sets forth: The injured person will submit to a physical exam (1) The identity of the policy and "insured"; by a doctor of our choice when and as often as we reasonably require. (2) Reasonably available information on the time, place and circumstances of the acci- 5. Payment of Claim – Coverage F – Medical dent or "occurrence"; and Payments to Others. Payment under this cover- (3) Names and addresses of any claimants and age is not an admission of liability by an "insured" or us. witnesses; b. Promptly forward to us every notice, demand, 6. Suit Against Us. No action can be brought summons or other process relating to the acci- against us unless there has been compliance with dent or "occurrence"; the policy provisions. c. At our request, help us: (1) To make settlement;

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No one will have the right to join us as a party to 8. Other Insurance – Coverage E – Personal Li- any action against an "insured." Also, no action ability. This insurance is excess over other valid with respect to Coverage E can be brought and collectible insurance except insurance written against us until the obligation of the "insured" has specifically to cover as excess over the limits of been determined by final judgment or agreement liability that apply in this policy. signed by us. 7. Bankruptcy of an Insured. Bankruptcy or insolvency of an "insured" will not relieve us of our obligations under this policy.

SECTIONS I AND II – CONDITIONS

1. Policy Period. This policy applies only to loss in Proof of mailing will be sufficient proof of no- Section I or "bodily injury" or "property damage" in tice.

Section II, which occurs during the policy period. (1) When you have not paid the premium, we 2. Concealment or Fraud. The entire policy will be may cancel at any time by letting you know void if, whether before or after a loss, an "insured" at least 10 days before the date cancella- has: tion takes effect.

a. Intentionally concealed or misrepresented any material fact or circumstance; (2) When this policy has been in effect for less than 60 days and is not a renewal with us, b. Engaged in fraudulent conduct; or we may cancel for any reason by letting c. Made false statements; you know at least 10 days before the date cancellation takes effect. relating to this insurance. 3. Liberalization Clause. If we make a change (3) When this policy has been in effect for 60 which broadens coverage under this edition of our days or more, or at any time if it is a re- policy without additional premium charge, that newal with us, we may cancel:

change will automatically apply to your insurance as of the date we implement the change in your (a) If there has been a material misrepre- state, provided that this implementation date falls sentation of fact which if known to us within 60 days prior to or during the policy period would have caused us not to issue the policy; or stated in the Declarations. This Liberalization Clause does not apply to (b) If the risk has changed substantially changes implemented through introduction of a since the policy was issued. subsequent edition of our policy. This can be done by letting you know at 4. Waiver or Change of Policy Provisions. least 30 days before the date cancellation takes effect. A waiver or change of a provision of this policy must be in writing by us to be valid. Our request (4) When this policy is written for a period of for an appraisal or examination will not waive any more than one year, we may cancel for any of our rights. reason at anniversary by letting you know 5. Cancellation. at least 30 days before the date cancellation takes effect. a. You may cancel this policy at any time by returning it to us or by letting us know in writing c. When this policy is cancelled, the premium for of the date cancellation is to take effect. the period from the date of cancellation to the b. We may cancel this policy only for the reasons expiration date will be refunded pro rata. stated below by letting you know in writing of the date cancellation takes effect. This cancel- d. If the return premium is not refunded with the lation notice may be delivered to you, or notice of cancellation or when this policy is re- mailed to you at your mailing address shown in turned to us, we will refund it within a reason- the Declarations. able time after the date cancellation takes effect.

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6. Nonrenewal. We may elect not to renew this 9. Death. If any person named in the Declarations or policy. We may do so by delivering to you, or the spouse, if a resident of the same household, mailing to you at your mailing address shown in dies: the Declarations, written notice at least 30 days a. We insure the legal representative of the de- before the expiration date of this policy. Proof of ceased but only with respect to the premises mailing will be sufficient proof of notice. and property of the deceased covered under 7. Assignment. Assignment of this policy will not be the policy at the time of death; valid unless we give our written consent. b. "Insured" includes: 8. Subrogation. An "insured" may waive in writing (1) Any member of your household who is an before a loss all rights of recovery against any "insured" at the time of your death, but only person. If not waived, we may require an assign- while a resident of the "residence prem- ment of rights of recovery for a loss to the extent ises"; and that payment is made by us. (2) With respect to your property, the person If an assignment is sought, an "insured" must sign having proper temporary custody of the and deliver all related papers and cooperate with property until appointment and qualification us. of a legal representative. Subrogation does not apply under Section II to Medical Payments to Others or Damage to Prop- erty of Others.

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HOMEOWNERS HO 00 06 04 91

HOMEOWNERS 6 UNIT-OWNERS FORM

AGREEMENT

We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy.

DEFINITIONS

In this policy, "you" and "your" refer to the "named (2) Which is acquired by you during the policy insured" shown in the Declarations and the spouse if period for your use as a residence; a resident of the same household. "We," "us" and c. Any premises used by you in connection with a "our" refer to the Company providing this insurance. premises in 4.a. and 4.b. above; In addition, certain words and phrases are defined as follows: d. Any part of a premises: 1. "Bodily injury" means bodily harm, sickness or (1) Not owned by an "insured"; and disease, including required care, loss of services (2) Where an "insured" is temporarily residing; and death that results. e. Vacant land, other than farm land, owned by or 2. "Business" includes trade, profession or occupa- rented to an "insured"; tion. f. Land owned by or rented to an "insured" on 3. "Insured" means you and residents of your house- which a one or two family dwelling is being hold who are: built as a residence for an "insured"; a. Your relatives; or g. Individual or family cemetery plots or burial b. Other persons under the age of 21 and in the vaults of an "insured"; or care of any person named above. h. Any part of a premises occasionally rented to Under Section II, "insured" also means: an "insured" for other than "business" use. c. With respect to animals or watercraft to which 5. "Occurrence" means an accident, including con- this policy applies, any person or organization tinuous or repeated exposure to substantially the legally responsible for these animals or water- same general harmful conditions, which results, craft which are owned by you or any person in- during the policy period, in: cluded in 3.a. or 3.b. above. A person or or- a. "Bodily injury"; or ganization using or having custody of these b. "Property damage." animals or watercraft in the course of any "business" or without consent of the owner is 6. "Property damage" means physical injury to, de- not an "insured"; struction of, or loss of use of tangible property. d. With respect to any vehicle to which this policy 7. "Residence employee" means: applies: a. An employee of an "insured" whose duties are (1) Persons while engaged in your employ or related to the maintenance or use of the "resi- that of any person included in 3.a. or 3.b. dence premises," including household or do- above; or mestic services; or (2) Other persons using the vehicle on an b. One who performs similar duties elsewhere not "insured location" with your consent. related to the "business" of an "insured." 4. "Insured location" means: 8. "Residence premises" means the unit where you reside shown as the "residence premises" in the a. The "residence premises"; Declarations. b. The part of other premises, other structures and grounds used by you as a residence and: (1) Which is shown in the Declarations; or

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SECTION I – PROPERTY COVERAGES

COVERAGE A – Dwelling 2. $1000 on securities, accounts, deeds, evidences We cover: of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, 1. The alterations, appliances, fixtures and im- tickets and stamps. This dollar limit applies to provements which are part of the building con- these categories regardless of the medium (such tained within the "residence premises"; as paper or computer software) on which the ma- 2. Items of real property which pertain exclusively to terial exists. the "residence premises"; This limit includes the cost to research, replace or 3. Property which is your insurance responsibility restore the information from the lost or damaged under a corporation or association of property material. owners agreement; or 3. $1000 on watercraft, including their trailers, fur- 4. Structures owned solely by you, other than the nishings, equipment and outboard engines or mo- "residence premises," at the location of the "resi- tors. dence premises." 4. $1000 on trailers not used with watercraft. This coverage does not apply to land, including land 5. $1000 for loss by theft of jewelry, watches, furs, on which the "residence premises," real property or precious and semi-precious stones. structures are located. 6. $2000 for loss by theft of firearms. We do not cover: 7. $2500 for loss by theft of silverware, silver-plated 1. Structures used in whole or in part for "business" ware, goldware, gold-plated ware and pewterware. purposes; or This includes flatware, hollowware, tea sets, trays 2. Structures rented or held for rental to any person and trophies made of or including silver, gold or not a tenant of the "residence premises," unless pewter. used solely as a private garage. 8. $2500 on property, on the "residence premises," COVERAGE C – Personal Property used at any time or in any manner for any "business" purpose. We cover personal property owned or used by an "insured" while it is anywhere in the world. At your 9. $250 on property, away from the "residence prem- request, we will cover personal property owned by: ises," used at any time or in any manner for any "business" purpose. However, this limit does not 1. Others while the property is on the part of the apply to loss to adaptable electronic apparatus as "residence premises" occupied by an "insured"; described in Special Limits 10. and 11. below. 2. A guest or a "residence employee," while the 10. $1000 for loss to electronic apparatus, while in or property is in any residence occupied by an "in- upon a motor vehicle or other motorized land sured." conveyance, if the electronic apparatus is Our limit of liability for personal property usually equipped to be operated by power from the elec- located at an "insured's" residence, other than the trical system of the vehicle or conveyance while "residence premises," is 10% of the limit of liability for retaining its capability of being operated by other Coverage C, or $1000, whichever is greater. Personal sources of power. Electronic apparatus includes: property in a newly acquired principal residence is not a. Accessories or antennas; or subject to this limitation for the 30 days from the time you begin to move the property there. b. Tapes, wires, records, discs or other media; Special Limits of Liability. These limits do not in- for use with any electronic apparatus. crease the Coverage C limit of liability. The special limit for each numbered category below is the total limit for each loss for all property in that category. 1. $200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins and medals.

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11. $1000 for loss to electronic apparatus, while not in 7. Property rented or held for rental to others off the or upon a motor vehicle or other motorized land "residence premises"; conveyance, if the electronic apparatus: 8. "Business" data, including such data stored in: a. Is equipped to be operated by power from the a. Books of account, drawings or other paper electrical system of the vehicle or conveyance records; or while retaining its capability of being operated by other sources of power; b. Electronic data processing tapes, wires, records, discs or other software media. b. Is away from the "residence premises"; and However, we do cover the cost of blank recording c. Is used at any time or in any manner for any or storage media, and of pre-recorded computer "business" purpose. programs available on the retail market; or Electronic apparatus includes: 9. Credit cards or fund transfer cards except as a. Accessories or antennas; or provided in Additional Coverages 6. b. Tapes, wires, records, discs or other media; COVERAGE D – Loss Of Use for use with any electronic apparatus. The limit of liability for Coverage D is the total limit Property Not Covered. We do not cover: for all the coverages that follow. 1. Articles separately described and specifically 1. If a loss by a Peril Insured Against under this insured in this or other insurance; policy to covered property or the building containing the property, makes the "residence premises" 2. Animals, birds or fish; not fit to live in, we cover, at your choice, either of 3. Motor vehicles or all other motorized land con- the following. However, if the "residence prem- veyances. This includes: ises" is not your principal place of residence, we will not provide the option under paragraph b. be- a. Their equipment and accessories; or low. b. Electronic apparatus that is designed to be a. Additional Living Expense, meaning any operated solely by use of the power from the necessary increase in living expenses incurred electrical system of motor vehicles or all other by you so that your household can maintain its motorized land conveyances. Electronic appa- normal standard of living; or ratus includes: b. Fair Rental Value, meaning the fair rental (1) Accessories or antennas; or value of that part of the "residence premises" (2) Tapes, wires, records, discs or other media; where you reside less any expenses that do for use with any electronic apparatus. not continue while the premises is not fit to live in. The exclusion of property described in 3.a. and 3.b. above applies only while the property is in Payment under a. or b. will be for the shortest or upon the vehicle or conveyance. time required to repair or replace the damage or, if you permanently relocate, the shortest time re- We do cover vehicles or conveyances not subject quired for your household to settle elsewhere. to motor vehicle registration which are: 2. If a loss covered under this Section makes that a. Used to service an "insured's" residence; or part of the "residence premises" rented to others b. Designed for assisting the handicapped; or held for rental by you not fit to live in, we cover 4. Aircraft and parts. Aircraft means any contrivance the: used or designed for flight, except model or hobby Fair Rental Value, meaning the fair rental aircraft not used or designed to carry people or value of that part of the "residence premises" cargo; rented to others or held for rental by you less 5. Property of roomers, boarders and other tenants, any expenses that do not continue while the except property of roomers and boarders related premises is not fit to live in. to an "insured"; Payment will be for the shortest time required to 6. Property in an apartment regularly rented or held repair or replace that part of the premises rented for rental to others by an "insured"; or held for rental.

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3. If a civil authority prohibits you from use of the This coverage: "residence premises" as a result of direct damage a. Does not increase the limit of liability that to neighboring premises by a Peril Insured Against applies to the covered property; in this policy, we cover the Additional Living Ex- pense and Fair Rental Value loss as provided un- b. Does not relieve you of your duties, in case of der 1. and 2. above for no more than two weeks. a loss to covered property, as set forth in SECTION I – CONDITION 2.d. The periods of time under 1., 2. and 3. above are not limited by expiration of this policy. 3. Trees, Shrubs and Other Plants. We cover trees, shrubs, plants or lawns, on the "residence We do not cover loss or expense due to cancellation premises," for loss caused by the following Perils of a lease or agreement. Insured Against: Fire or lightning, Explosion, Riot ADDITIONAL COVERAGES or civil commotion, Aircraft, Vehicles not owned or 1. Debris Removal. We will pay your reasonable operated by a resident of the "residence prem- expense for the removal of: ises," Vandalism or malicious mischief or Theft. a. Debris of covered property if a Peril Insured We will pay up to 10% of the limit of liability that Against that applies to the damaged property applies to Coverage C for all trees, shrubs, plants causes the loss; or or lawns. No more than $500 of this limit will be available for any one tree, shrub or plant. We do b. Ash, dust or particles from a volcanic eruption not cover property grown for "business" purposes. that has caused direct loss to a building or property contained in a building. This coverage is additional insurance. This expense is included in the limit of liability that 4. Fire Department Service Charge. We will pay up applies to the damaged property. If the amount to to $500 for your liability assumed by contract or be paid for the actual damage to the property plus agreement for fire department charges incurred the debris removal expense is more than the limit when the fire department is called to save or proof liability for the damaged property, an additional tect covered property from a Peril Insured 5% of that limit of liability is available for debris Against. We do not cover fire department service removal expense. charges if the property is located within the limits of the city, municipality or protection district fur- We will also pay your reasonable expense, up to nishing the fire department response. $500, for the removal from the "residence premises" of: This coverage is additional insurance. No deductible applies to this coverage. a. Your tree(s) felled by the peril of Windstorm or Hail; 5. Property Removed. We insure covered property against direct loss from any cause while being b. Your tree(s) felled by the peril of Weight of Ice, removed from a premises endangered by a Peril Snow or Sleet; or Insured Against and for no more than 30 days c. A neighbor's tree(s) felled by a Peril Insured while removed. This coverage does not change Against under Coverage C; the limit of liability that applies to the property being removed. provided the tree(s) damages a covered structure. The $500 limit is the most we will pay in any one 6. Credit Card, Fund Transfer Card, Forgery and loss regardless of the number of fallen trees. Counterfeit Money. 2. Reasonable Repairs. In the event that covered We will pay up to $500 for: property is damaged by an applicable Peril In- a. The legal obligation of an "insured" to pay sured Against, we will pay the reasonable cost in- because of the theft or unauthorized use of curred by you for necessary measures taken credit cards issued to or registered in an "in- solely to protect against further damage. If the sured's" name; measures taken involve repair to other damaged property, we will pay for those measures only if b. Loss resulting from theft or unauthorized use that property is covered under this policy and the of a fund transfer card used for deposit, with- damage to that property is caused by an applica- drawal or transfer of funds, issued to or regis- ble Peril Insured Against. tered in an "insured's" name;

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c. Loss to an "insured" caused by forgery or al- The limit of $1000 is the most we will pay with re- teration of any check or negotiable instrument; spect to any one loss, regardless of the number of and assessments. d. Loss to an "insured" through acceptance in Condition 1. Policy Period, under SECTIONS I good faith of counterfeit United States or Ca- and II CONDITIONS, does not apply to this cov- nadian paper currency. erage. We do not cover use of a credit card or fund 8. Collapse. We insure for direct physical loss to transfer card: covered property involving collapse of a building a. By a resident of your household; or any part of a building caused only by one or more of the following: b. By a person who has been entrusted with either type of card; or a. Perils Insured Against in COVERAGE C – PERSONAL PROPERTY. These perils apply c. If an "insured" has not complied with all terms to covered buildings and personal property for and conditions under which the cards are is- loss insured by this additional coverage; sued. b. Hidden decay; All loss resulting from a series of acts committed by any one person or in which any one person is c. Hidden insect or vermin damage; concerned or implicated is considered to be one d. Weight of contents, equipment, animals or loss. people; We do not cover loss arising out of "business" use e. Weight of rain which collects on a roof; or or dishonesty of an "insured." f. Use of defective material or methods in con- This coverage is additional insurance. No deducti- struction, remodeling or renovation if the col- ble applies to this coverage. lapse occurs during the course of the construc- Defense: tion, remodeling or renovation. a. We may investigate and settle any claim or Loss to an awning, fence, patio, pavement, suit that we decide is appropriate. Our duty to swimming pool, underground pipe, flue, drain, defend a claim or suit ends when the amount cesspool, septic tank, foundation, retaining wall, we pay for the loss equals our limit of liability. bulkhead, pier, wharf or dock is not included under items b., c., d., e., and f. unless the loss is a di- b. If a suit is brought against an "insured" for rect result of the collapse of a building. liability under the Credit Card or Fund Transfer Card coverage, we will provide a defense at Collapse does not include settling, cracking, our expense by counsel of our choice. shrinking, bulging or expansion. c. We have the option to defend at our expense This coverage does not increase the limit of liabil- an "insured" or an "insured's" bank against any ity applying to the damaged covered property. suit for the enforcement of payment under the 9. Glass or Safety Glazing Material Forgery coverage. We cover: 7. Loss Assessment. We will pay up to $1000 for a. The breakage of glass or safety glazing mate- your share of loss assessment charged during the rial which is part of a building, storm door or policy period against you by a corporation or as- storm window, and covered under Coverage A; sociation of property owners, when the assess- and ment is made as a result of direct loss to the property, owned by all members collectively, b. Damage to covered property by glass or safety caused by a Peril Insured Against under COVER- glazing material which is part of a building, AGE A – DWELLING, other than earthquake or storm door or storm window. land shock waves or tremors before, during or af- This coverage does not include loss on the "resi- ter a volcanic eruption. dence premises" if the dwelling has been vacant This coverage applies only to loss assessments for more than 30 consecutive days immediately charged against you as owner or tenant of the before the loss. A dwelling being constructed is "residence premises." not considered vacant. We do not cover loss assessments charged Loss for damage to glass will be settled on the ba- against you or a corporation or association of sis of replacement with safety glazing materials property owners by any governmental body. when required by ordinance or law. This coverage does not increase the limit of liability that applies to the damaged property.

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SECTION I – PERILS INSURED AGAINST

We insure for direct physical loss to the property c. From that part of a "residence premises" described in Coverages A and C caused by a peril rented by an "insured" to other than an "in- listed below unless the loss is excluded in SECTION I sured." – EXCLUSIONS. This peril does not include loss caused by theft 1. Fire or lightning. that occurs off the "residence premises" of: 2. Windstorm or hail. a. Property while at any other residence owned This peril does not include loss to the inside of a by, rented to, or occupied by an "insured," ex- building or the property contained in a building cept while an "insured" is temporarily living caused by rain, snow, sleet, sand or dust unless there. Property of a student who is an "in- the direct force of wind or hail damages the build- sured" is covered while at a residence away ing causing an opening in a roof or wall and the from home if the student has been there at any rain, snow, sleet, sand or dust enters through this time during the 45 days immediately before opening. the loss; This peril includes loss to watercraft and their b. Watercraft, and their furnishings, equipment trailers, furnishings, equipment, and outboard en- and outboard engines or motors; or gines or motors, only while inside a fully enclosed c. Trailers and campers. building. 10. Falling objects. 3. Explosion. This peril does not include loss to the inside of a 4. Riot or civil commotion. building or property contained in the building un- 5. Aircraft, including self-propelled missiles and less the roof or an outside wall of the building is spacecraft. first damaged by a falling object. Damage to the falling object itself is not included. 6. Vehicles. 11. Weight of ice, snow or sleet which causes dam- This peril does not include loss to a fence, drive- age to a building or property contained in the way or walk caused by a vehicle owned or oper- building. ated by a resident of the "residence premises." This peril does not include loss to an awning, 7. Smoke, meaning sudden and accidental damage fence, patio, pavement, swimming pool, founda- from smoke. tion, retaining wall, bulkhead, pier, wharf, or dock. This peril does not include loss caused by smoke 12. Accidental discharge or overflow of water or from agricultural smudging or industrial opera- steam from within a plumbing, heating, air conditions. tioning or automatic fire protective sprinkler sys- 8. Vandalism or malicious mischief. tem or from within a household appliance. We also pay for tearing out and replacing any part of This peril does not include loss to property on the the building which is covered under Coverage A "residence premises" if the dwelling has been va- and on the "residence premises," if necessary to cant for more than 30 consecutive days immedi- repair the system or appliance from which the wa- ately before the loss. A dwelling being constructed ter or steam escaped. is not considered vacant. This peril does not include loss: 9. Theft, including attempted theft and loss of property from a known place when it is likely that the a. On the "residence premises," if the dwelling property has been stolen. has been vacant for more than 30 consecutive days immediately before the loss. A dwelling This peril does not include loss caused by theft: being constructed is not considered vacant; a. Committed by an "insured"; b. To the system or appliance from which the b. In or to a dwelling under construction, or of water or steam escaped; materials and supplies for use in the construc- c. Caused by or resulting from freezing except as tion until the dwelling is finished and occupied; provided in the peril of freezing below; or or

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d. On the "residence premises" caused by acci- This peril does not include loss on the "residence dental discharge or overflow which occurs premises" while unoccupied, unless you have away from the building where the "residence used reasonable care to: premises" is located. a. Maintain heat in the building; or In this peril, a plumbing system does not include a b. Shut off the water supply and drain the system sump, sump pump or related equipment. and appliances of water. 13. Sudden and accidental tearing apart, cracking, 15. Sudden and accidental damage from artifi- burning or bulging of a steam or hot water heat- cially generated electrical current. ing system, an air conditioning or automatic fire protective sprinkler system, or an appliance for This peril does not include loss to a tube, transis- heating water. tor or similar electronic component. This peril does not include loss caused by or re- 16. Volcanic eruption other than loss caused by sulting from freezing except as provided in the earthquake, land shock waves or tremors. peril of freezing below. 14. Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance.

SECTION I – EXCLUSIONS

We do not insure for loss caused directly or indirectly Direct loss by fire, explosion or theft resulting from by any of the following. Such loss is excluded regard- water damage is covered. less of any other cause or event contributing concur- 4. Power Failure, meaning the failure of power or rently or in any sequence to the loss. other utility service if the failure takes place off 1. Ordinance or Law, meaning enforcement of any the "residence premises." But, if a Peril Insured ordinance or law regulating the construction, re- Against ensues on the "residence premises," we pair, or demolition of a building or other structure, will pay only for that ensuing loss. unless specifically provided under this policy. 5. Neglect, meaning neglect of the "insured" to use 2. Earth Movement, meaning earthquake including all reasonable means to save and preserve prop- land shock waves or tremors before, during or af- erty at and after the time of a loss. ter a volcanic eruption; landslide; mine subsi- 6. War, including the following and any consequence dence; mudflow; earth sinking, rising or shifting; of any of the following: unless direct loss by: a. Undeclared war, civil war, insurrection, rebel- a. Fire; lion or revolution; b. Explosion; or b. Warlike act by a military force or military per- c. Breakage of glass or safety glazing material sonnel; or which is part of a building, storm door or storm c. Destruction, seizure or use for a military pur- window; pose. ensues and then we will pay only for the ensuing Discharge of a nuclear weapon will be deemed a loss. warlike act even if accidental. This exclusion does not apply to loss by theft. 7. Nuclear Hazard, to the extent set forth in the 3. Water Damage, meaning: Nuclear Hazard Clause of SECTION I – CONDI- a. Flood, surface water, waves, tidal water, over- TIONS. flow of a body of water, or spray from any of 8. Intentional Loss, meaning any loss arising out of these, whether or not driven by wind; any act committed: b. Water which backs up through sewers or a. By or at the direction of an "insured"; and drains or which overflows from a sump; or b. With the intent to cause a loss. c. Water below the surface of the ground, including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure.

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SECTION I – CONDITIONS

1. Insurable Interest and Limit of Liability. Even if (6) The inventory of damaged personal prop- more than one person has an insurable interest in erty described in 2.e. above; the property covered, we will not be liable in any (7) Receipts for additional living expenses one loss: incurred and records that support the fair a. To the "insured" for more than the amount of rental value loss; and the "insured's" interest at the time of loss; or (8) Evidence or affidavit that supports a claim b. For more than the applicable limit of liability. under the Credit Card, Fund Transfer Card, 2. Your Duties After Loss. In case of a loss to Forgery and Counterfeit Money coverage, covered property, you must see that the following stating the amount and cause of loss. are done: 3. Loss Settlement. Covered property losses are a. Give prompt notice to us or our agent; settled as follows: b. Notify the police in case of loss by theft; a. Personal property at actual cash value at the time of loss but not more than the amount re- c. Notify the credit card or fund transfer card quired to repair or replace. company in case of loss under Credit Card or Fund Transfer Card coverage; b. Coverage A – Dwelling: d. Protect the property from further damage. If (1) If the damage is repaired or replaced within repairs to the property are required, you must: a reasonable time, at the actual cost to repair or replace; (1) Make reasonable and necessary repairs to protect the property; and (2) If the damage is not repaired or replaced, at actual cash value but not more than the (2) Keep an accurate record of repair ex- amount required to repair or replace. penses; 4. Loss to a Pair or Set. In case of loss to a pair or e. Prepare an inventory of damaged personal set we may elect to: property showing the quantity, description, actual cash value and amount of loss. Attach all a. Repair or replace any part to restore the pair or bills, receipts and related documents that jus- set to its value before the loss; or tify the figures in the inventory; b. Pay the difference between actual cash value f. As often as we reasonably require: of the property before and after the loss. (1) Show the damaged property; 5. Glass Replacement. Loss for damage to glass caused by a Peril Insured Against will be settled (2) Provide us with records and documents we on the basis of replacement with safety glazing request and permit us to make copies; and materials when required by ordinance or law. (3) Submit to examination under oath, while 6. Appraisal. If you and we fail to agree on the not in the presence of any other "insured," amount of loss, either may demand an appraisal and sign the same; of the loss. In this event, each party will choose a g. Send to us, within 60 days after our request, competent appraiser within 20 days after receiving your signed, sworn proof of loss which sets a written request from the other. The two apprais- forth, to the best of your knowledge and belief: ers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may re- (1) The time and cause of loss; quest that the choice be made by a judge of a (2) The interest of the "insured" and all others court of record in the state where the "residence in the property involved and all liens on the premises" is located. The appraisers will sepa- property; rately set the amount of loss. If the appraisers (3) Other insurance which may cover the loss; submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If (4) Changes in title or occupancy of the prop- they fail to agree, they will submit their differences erty during the term of the policy; to the umpire. A decision agreed to by any two will (5) Specifications of damaged buildings and set the amount of loss. detailed repair estimates;

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Each party will: b. Pays any premium due under this policy on a. Pay its own appraiser; and demand if you have neglected to pay the premium; and b. Bear the other expenses of the appraisal and umpire equally. c. Submits a signed, sworn statement of loss within 60 days after receiving notice from us of 7. Other Insurance. If a loss covered by this policy your failure to do so. Policy conditions relating is also covered by other insurance, except insur- to Appraisal, Suit Against Us and Loss Pay- ance in the name of a corporation or association ment apply to the mortgagee. of property owners, we will pay only the proportion of the loss that the limit of liability that applies un- If we decide to cancel or not to renew this policy, der this policy bears to the total amount of insur- the mortgagee will be notified at least 10 days be- ance covering the loss. fore the date cancellation or nonrenewal takes effect. If, at the time of loss, there is other insurance in the name of a corporation or association of prop- If we pay the mortgagee for any loss and deny erty owners covering the same property covered payment to you: by this policy, this insurance will be excess over a. We are subrogated to all the rights of the the amount recoverable under such other insur- mortgagee granted under the mortgage on the ance. property; or 8. Suit Against Us. No action can be brought unless b. At our option, we may pay to the mortgagee the policy provisions have been complied with and the whole principal on the mortgage plus any the action is started within one year after the date accrued interest. In this event, we will receive of loss. a full assignment and transfer of the mortgage 9. Our Option. If we give you written notice within and all securities held as collateral to the 30 days after we receive your signed, sworn proof mortgage debt. of loss, we may repair or replace any part of the Subrogation will not impair the right of the mort- damaged property with like property. gagee to recover the full amount of the mort- 10. Loss Payment. We will adjust all losses with you. gagee's claim. We will pay you unless some other person is 13. No Benefit to Bailee. We will not recognize any named in the policy or is legally entitled to receive assignment or grant any coverage that benefits a payment. Loss will be payable 60 days after we person or organization holding, storing or moving receive your proof of loss and: property for a fee regardless of any other provi- a. Reach an agreement with you; sion of this policy. b. There is an entry of a final judgment; or 14. Nuclear Hazard Clause. c. There is a filing of an appraisal award with us. a. "Nuclear Hazard" means any nuclear reaction, radiation, or radioactive contamination, all 11. Abandonment of Property. We need not accept whether controlled or uncontrolled or however any property abandoned by an "insured." caused, or any consequence of any of these. 12. Mortgage Clause. b. Loss caused by the nuclear hazard will not be The word "mortgagee" includes trustee. considered loss caused by fire, explosion, or smoke, whether these perils are specifically If a mortgagee is named in this policy, any loss named in or otherwise included within the Per- payable under Coverage A – Dwelling will be paid ils Insured Against in Section I. to the mortgagee and you, as interests appear. If more than one mortgagee is named, the order of c. This policy does not apply under Section I to payment will be the same as the order of prece- loss caused directly or indirectly by nuclear dence of the mortgages. hazard, except that direct loss by fire resulting from the nuclear hazard is covered. If we deny your claim, that denial will not apply to a valid claim of the mortgagee, if the mortgagee: a. Notifies us of any change in ownership, occupancy or substantial change in risk of which the mortgagee is aware;

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15. Recovered Property. If you or we recover any 16. Volcanic Eruption Period. One or more volcanic property for which we have made payment under eruptions that occur within a 72-hour period will be this policy, you or we will notify the other of the considered as one volcanic eruption. recovery. At your option, the property will be returned to or retained by you or it will become our property. If the recovered property is returned to or retained by you, the loss payment will be adjusted based on the amount you received for the recovered property.

SECTION II – LIABILITY COVERAGES

SECTION II – EXCLUSIONS

1. Coverage E – Personal Liability and Coverage c. Arising out of the rental or holding for rental of F – Medical Payments to Others do not apply to any part of any premises by an "insured." This "bodily injury" or "property damage": exclusion does not apply to the rental or hold- a. Which is expected or intended by the "in- ing for rental of an "insured location": sured"; (1) On an occasional basis if used only as a b. Arising out of or in connection with a "busi- residence; ness" engaged in by an "insured." This exclu- (2) In part for use only as a residence, unless a sion applies but is not limited to an act or single family unit is intended for use by the omission, regardless of its nature or circum- occupying family to lodge more than two stance, involving a service or duty rendered, roomers or boarders; or promised, owed, or implied to be provided be- (3) In part, as an office, school, studio or pri- cause of the nature of the "business"; vate garage;

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d. Arising out of the rendering of or failure to Excluded watercraft are those that are princi- render professional services; pally designed to be propelled by engine power e. Arising out of a premises: or electric motor, or are sailing vessels, whether owned by or rented to an "insured." (1) Owned by an "insured"; This exclusion does not apply to watercraft: (2) Rented to an "insured"; or (1) That are not sailing vessels and are pow- (3) Rented to others by an "insured"; ered by: that is not an "insured location"; (a) Inboard or inboard-outdrive engine or motor power of 50 horsepower or less f. Arising out of: not owned by an "insured"; (1) The ownership, maintenance, use, loading (b) Inboard or inboard-outdrive engine or or unloading of motor vehicles or all other motor power of more than 50 horse- motorized land conveyances, including power not owned by or rented to an "in- trailers, owned or operated by or rented or sured"; loaned to an "insured"; (c) One or more outboard engines or mo- (2) The entrustment by an "insured" of a motor tors with 25 total horsepower or less; vehicle or any other motorized land conveyance to any person; or (d) One or more outboard engines or motors with more than 25 total horsepower (3) Vicarious liability, whether or not statutorily if the outboard engine or motor is not imposed, for the actions of a child or minor owned by an "insured"; using a conveyance excluded in paragraph (1) or (2) above. (e) Outboard engines or motors of more than 25 total horsepower owned by an This exclusion does not apply to: "insured" if: (1) A trailer not towed by or carried on a motor- (i) You acquire them prior to the policy ized land conveyance; period; and (2) A motorized land conveyance designed for (a) You declare them at policy incep- recreational use off public roads, not sub- tion; or ject to motor vehicle registration and: (b) Your intention to insure is re- (a) Not owned by an "insured"; or ported to us in writing within 45 (b) Owned by an "insured" and on an "in- days after you acquire the out- sured location"; board engines or motors. (3) A motorized golf cart when used to play (ii) You acquire them during the policy golf on a golf course; period. (4) A vehicle or conveyance not subject to This coverage applies for the policy pe- motor vehicle registration which is: riod. (a) Used to service an "insured's" resi- (2) That are sailing vessels, with or without dence; auxiliary power: (b) Designed for assisting the handicapped; (a) Less than 26 feet in overall length; or (b) 26 feet or more in overall length, not (c) In dead storage on an "insured loca- owned by or rented to an "insured." tion"; (3) That are stored; g. Arising out of: h. Arising out of: (1) The ownership, maintenance, use, loading (1) The ownership, maintenance, use, loading or unloading of an excluded watercraft de- or unloading of an aircraft; scribed below; (2) The entrustment by an "insured" of an (2) The entrustment by an "insured" of an aircraft to any person; or excluded watercraft described below to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor (3) Vicarious liability, whether or not statutorily using an aircraft. imposed, for the actions of a child or minor using an excluded watercraft described below.

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An aircraft means any contrivance used or de- c. "Property damage" to property rented to, occu- signed for flight, except model or hobby air- pied or used by or in the care of the "insured." craft not used or designed to carry people or This exclusion does not apply to "property cargo; damage" caused by fire, smoke or explosion; i. Caused directly or indirectly by war, including d. "Bodily injury" to any person eligible to receive the following and any consequence of any of any benefits: the following: (1) Voluntarily provided; or (1) Undeclared war, civil war, insurrection, (2) Required to be provided; rebellion or revolution; by the "insured" under any: (2) Warlike act by a military force or military personnel; or (1) Workers' compensation law; (3) Destruction, seizure or use for a military (2) Non-occupational disability law; or purpose. (3) Occupational disease law; Discharge of a nuclear weapon will be deemed e. "Bodily injury" or "property damage" for which a warlike act even if accidental; an "insured" under this policy: j. Which arises out of the transmission of a (1) Is also an insured under a nuclear energy communicable disease by an "insured"; liability policy; or k. Arising out of sexual molestation, corporal (2) Would be an insured under that policy but punishment or physical or mental abuse; or for the exhaustion of its limit of liability. l. Arising out of the use, sale, manufacture, A nuclear energy liability policy is one issued delivery, transfer or possession by any person by: of a Controlled Substance(s) as defined by the (1) American Nuclear Insurers; Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances (2) Mutual Atomic Energy Liability Underwrit- include but are not limited to cocaine, LSD, ers; marijuana and all narcotic drugs. However, this (3) Nuclear Insurance Association of Canada; exclusion does not apply to the legitimate use of prescription drugs by a person following the or any of their successors; or orders of a licensed physician. f. "Bodily injury" to you or an "insured" within the Exclusions e., f., g., and h. do not apply to "bodily meaning of part a. or b. of "insured" as de- injury" to a "residence employee" arising out of fined. and in the course of the "residence employee's" 3. Coverage F – Medical Payments to Others, employment by an "insured." does not apply to "bodily injury": 2. Coverage E – Personal Liability, does not apply a. To a "residence employee" if the "bodily in- to: jury": a. Liability: (1) Occurs off the "insured location"; and (1) For any loss assessment charged against (2) Does not arise out of or in the course of the you as a member of an association, corpo- "residence employee's" employment by an ration or community of property owners; "insured"; (2) Under any contract or agreement. How- b. To any person eligible to receive benefits: ever, this exclusion does not apply to writ- (1) Voluntarily provided; or ten contracts: (2) Required to be provided; (a) That directly relate to the ownership, maintenance or use of an "insured loca- under any: tion"; or (1) Workers' compensation law; (b) Where the liability of others is assumed (2) Non-occupational disability law; or by the "insured" prior to an "occur- (3) Occupational disease law; rence"; unless excluded in (1) above or elsewhere in this policy; b. "Property damage" to property owned by the "insured";

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c. From any: (4) Any consequence of any of these; or (1) Nuclear reaction; d. To any person, other than a "residence em- (2) Nuclear radiation; or ployee" of an "insured," regularly residing on any part of the "insured location." (3) Radioactive contamination; all whether controlled or uncontrolled or however caused; or

SECTION II – ADDITIONAL COVERAGES

We cover the following in addition to the limits of (3) The ownership, maintenance, or use of liability: aircraft, watercraft or motor vehicles or all 1. Claim Expenses. We pay: other motorized land conveyances. a. Expenses we incur and costs taxed against an This exclusion does not apply to a motor- "insured" in any suit we defend; ized land conveyance designed for recreational use off public roads, not subject to b. Premiums on bonds required in a suit we de- motor vehicle registration and not owned fend, but not for bond amounts more than the by an "insured." limit of liability for Coverage E. We need not apply for or furnish any bond; 4. Loss Assessment. We will pay up to $1000 for your share of loss assessment charged during the c. Reasonable expenses incurred by an "insured" policy period against you by a corporation or as- at our request, including actual loss of earnings sociation of property owners, when the assess- (but not loss of other income) up to $50 per ment is made as a result of: day, for assisting us in the investigation or defense of a claim or suit; and a. "Bodily injury" or "property damage" not excluded under Section II of this policy; or d. Interest on the entire judgment which accrues after entry of the judgment and before we pay b. Liability for an act of a director, officer or trus- or tender, or deposit in court that part of the tee in the capacity as a director, officer or trus- judgment which does not exceed the limit of li- tee, provided: ability that applies. (1) The director, officer or trustee is elected by 2. First Aid Expenses. We will pay expenses for the members of a corporation or associa- first aid to others incurred by an "insured" for tion of property owners; and "bodily injury" covered under this policy. We will (2) The director, officer or trustee serves with- not pay for first aid to you or any other "insured." out deriving any income from the exercise 3. Damage to Property of Others. We will pay, at of duties which are solely on behalf of a replacement cost, up to $500 per "occurrence" for corporation or association of property own- "property damage" to property of others caused by ers. an "insured." This coverage applies only to loss assessments We will not pay for "property damage": charged against you as owner or tenant of the "residence premises." a. To the extent of any amount recoverable under Section I of this policy; We do not cover loss assessments charged against you or a corporation or association of b. Caused intentionally by an "insured" who is 13 property owners by any governmental body. years of age or older; Regardless of the number of assessments, the c. To property owned by an "insured"; limit of $1000 is the most we will pay for loss aris- d. To property owned by or rented to a tenant of ing out of: an "insured" or a resident in your household; or a. One accident, including continuous or repeated e. Arising out of: exposure to substantially the same general harmful condition; or (1) A "business" engaged in by an "insured"; (2) Any act or omission in connection with a premises owned, rented or controlled by an "insured," other than the "insured location"; or

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b. A covered act of a director, officer or trustee. 1. Section II – Coverage E – Personal Liability Ex- An act involving more than one director, officer clusion 2.a.(1); or trustee is considered to be a single act. 2. Condition 1. Policy Period, under SECTIONS I The following do not apply to this coverage: AND II CONDITIONS.

SECTION II – CONDITIONS

1. Limit of Liability. Our total liability under Cover- d. Under the coverage – Damage to Property of age E for all damages resulting from any one "oc- Others – submit to us within 60 days after the currence" will not be more than the limit of liability loss, a sworn statement of loss and show the for Coverage E as shown in the Declarations. This damaged property, if in the "insured's" control; limit is the same regardless of the number of "in- e. The "insured" will not, except at the "insured's" sureds," claims made or persons injured. All own cost, voluntarily make payment, assume "bodily injury" and "property damage" resulting obligation or incur expense other than for first from any one accident or from continuous or re- aid to others at the time of the "bodily injury." peated exposure to substantially the same general harmful conditions shall be considered to be the 4. Duties of an Injured Person – Coverage F – result of one "occurrence." Medical Payments to Others. Our total liability under Coverage F for all medical The injured person or someone acting for the in- expense payable for "bodily injury" to one person jured person will: as the result of one accident will not be more than a. Give us written proof of claim, under oath if the limit of liability for Coverage F as shown in the required, as soon as is practical; and Declarations. b. Authorize us to obtain copies of medical re- 2. Severability of Insurance. This insurance applies ports and records. separately to each "insured." This condition will The injured person will submit to a physical exam not increase our limit of liability for any one "oc- by a doctor of our choice when and as often as we currence." reasonably require. 3. Duties After Loss. In case of an accident or 5. Payment of Claim – Coverage F – Medical "occurrence," the "insured" will perform the follow- Payments to Others. Payment under this covering duties that apply. You will help us by seeing age is not an admission of liability by an "insured" that these duties are performed: or us. a. Give written notice to us or our agent as soon 6. Suit Against Us. No action can be brought as is practical, which sets forth: against us unless there has been compliance with (1) The identity of the policy and "insured"; the policy provisions. (2) Reasonably available information on the No one will have the right to join us as a party to time, place and circumstances of the acci- any action against an "insured." Also, no action dent or "occurrence"; and with respect to Coverage E can be brought (3) Names and addresses of any claimants and against us until the obligation of the "insured" has witnesses; been determined by final judgment or agreement signed by us. b. Promptly forward to us every notice, demand, summons or other process relating to the acci- 7. Bankruptcy of an Insured. Bankruptcy or insol- dent or "occurrence"; vency of an "insured" will not relieve us of our obligations under this policy. c. At our request, help us: 8. Other Insurance – Coverage E – Personal Li- (1) To make settlement; ability. This insurance is excess over other valid (2) To enforce any right of contribution or in- and collectible insurance except insurance written demnity against any person or organization specifically to cover as excess over the limits of who may be liable to an "insured"; liability that apply in this policy. (3) With the conduct of suits and attend hear- ings and trials; and (4) To secure and give evidence and obtain the attendance of witnesses;

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SECTIONS I AND II – CONDITIONS

1. Policy Period. This policy applies only to loss in (3) When this policy has been in effect for 60 Section I or "bodily injury" or "property damage" in days or more, or at any time if it is a re- Section II, which occurs during the policy period. newal with us, we may cancel: 2. Concealment or Fraud. The entire policy will be (a) If there has been a material misrepre- void if, whether before or after a loss, an "insured" sentation of fact which if known to us has: would have caused us not to issue the a. Intentionally concealed or misrepresented any policy; or material fact or circumstance; (b) If the risk has changed substantially b. Engaged in fraudulent conduct; or since the policy was issued. c. Made false statements; This can be done by letting you know at least 30 days before the date cancellation relating to this insurance. takes effect. 3. Liberalization Clause. If we make a change (4) When this policy is written for a period of which broadens coverage under this edition of our more than one year, we may cancel for any policy without additional premium charge, that reason at anniversary by letting you know change will automatically apply to your insurance at least 30 days before the date cancella- as of the date we implement the change in your tion takes effect. state, provided that this implementation date falls within 60 days prior to or during the policy period c. When this policy is cancelled, the premium for stated in the Declarations. the period from the date of cancellation to the expiration date will be refunded pro rata. This Liberalization Clause does not apply to changes implemented through introduction of a d. If the return premium is not refunded with the subsequent edition of our policy. notice of cancellation or when this policy is returned to us, we will refund it within a reason- 4. Waiver or Change of Policy Provisions. able time after the date cancellation takes ef- A waiver or change of a provision of this policy fect. must be in writing by us to be valid. Our request 6. Nonrenewal. We may elect not to renew this for an appraisal or examination will not waive any policy. We may do so by delivering to you, or of our rights. mailing to you at your mailing address shown in 5. Cancellation. the Declarations, written notice at least 30 days before the expiration date of this policy. Proof of a. You may cancel this policy at any time by mailing will be sufficient proof of notice. returning it to us or by letting us know in writing of the date cancellation is to take effect. 7. Assignment. Assignment of this policy will not be valid unless we give our written consent. b. We may cancel this policy only for the reasons stated below by letting you know in writing of 8. Subrogation. An "insured" may waive in writing the date cancellation takes effect. This cancel- before a loss all rights of recovery against any lation notice may be delivered to you, or person. If not waived, we may require an assign- mailed to you at your mailing address shown in ment of rights of recovery for a loss to the extent the Declarations. that payment is made by us. Proof of mailing will be sufficient proof of no- If an assignment is sought, an "insured" must sign tice. and deliver all related papers and cooperate with us. (1) When you have not paid the premium, we may cancel at any time by letting you know Subrogation does not apply under Section II to at least 10 days before the date cancella- Medical Payments to Others or Damage to Prop- tion takes effect. erty of Others. (2) When this policy has been in effect for less 9. Death. If any person named in the Declarations or than 60 days and is not a renewal with us, the spouse, if a resident of the same household, we may cancel for any reason by letting dies: you know at least 10 days before the date a. We insure the legal representative of the de- cancellation takes effect. ceased but only with respect to the premises and property of the deceased covered under the policy at the time of death;

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b. "Insured" includes: (2) With respect to your property, the person (1) Any member of your household who is an having proper temporary custody of the "insured" at the time of your death, but only property until appointment and qualification while a resident of the "residence prem- of a legal representative. ises"; and

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HOMEOWNERS HO 00 08 04 91

HOMEOWNERS 8 MODIFIED COVERAGE FORM

AGREEMENT

We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy.

DEFINITIONS

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SECTION I – PROPERTY COVERAGES

COVERAGE A – Dwelling 2. $1000 on securities, accounts, deeds, evidences We cover: of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, 1. The dwelling on the "residence premises" shown tickets and stamps. This dollar limit applies to in the Declarations, including structures attached these categories regardless of the medium (such to the dwelling; and as paper or computer software) on which the ma- 2. Materials and supplies located on or next to the terial exists. "residence premises" used to construct, alter or This limit includes the cost to research, replace or repair the dwelling or other structures on the "resi- restore the information from the lost or damaged dence premises." material. This coverage does not apply to land, including land 3. $1000 on watercraft, including their trailers, fur- on which the dwelling is located. nishings, equipment and outboard engines or mo- COVERAGE B – Other Structures tors. We cover other structures on the "residence prem- 4. $1000 on trailers not used with watercraft. ises" set apart from the dwelling by clear space. This 5. $2500 on property, on the "residence premises," includes structures connected to the dwelling by only used at any time or in any manner for any "busi- a fence, utility line, or similar connection. ness" purpose. This coverage does not apply to land, including land 6. $250 on property, away from the "residence prem- on which the other structures are located. ises," used at any time or in any manner for any We do not cover other structures: "business" purpose. However, this limit does not apply to loss to adaptable electronic apparatus as 1. Used in whole or in part for "business"; or described in Special Limits 7. and 8. below. 2. Rented or held for rental to any person not a ten- 7. $1000 for loss to electronic apparatus, while in or ant of the dwelling, unless used solely as a private upon a motor vehicle or other motorized land con- garage. veyance, if the electronic apparatus is equipped to The limit of liability for this coverage will not be more be operated by power from the electrical system than 10% of the limit of liability that applies to Cover- of the vehicle or conveyance while retaining its age A. Use of this coverage does not reduce the capability of being operated by other sources of Coverage A limit of liability. power. Electronic apparatus includes: COVERAGE C – Personal Property a. Accessories or antennas; or We cover personal property owned or used by an b. Tapes, wires, records, discs or other media; "insured" while on the "residence premises." At your for use with any electronic apparatus. request, we will cover personal property owned by others while the property is on the part of the "resi- 8. $1000 for loss to electronic apparatus, while not in dence premises" occupied by an "insured." We also or upon a motor vehicle or other motorized land cover personal property owned or used by an "in- conveyance, if the electronic apparatus: sured" while it is anywhere in the world but our limit of a. Is equipped to be operated by power from the liability will not be more than 10% of the limit of liabil- electrical system of the vehicle or conveyance ity for Coverage C or $1000, whichever is greater. while retaining its capability of being operated Personal property in a newly acquired principal resi- by other sources of power; dence is not subject to this limitation for 30 days from the time you begin to move the property there. b. Is away from the "residence premises"; and Special Limits of Liability. These limits do not in- c. Is used at any time or in any manner for any crease the Coverage C limit of liability. The special "business" purpose. limit for each numbered category below is the total Electronic apparatus includes: limit for each loss for all property in that category. a. Accessories or antennas; or 1. $200 on money, bank notes, bullion, gold other b. Tapes, wires, records, discs or other media; than goldware, silver other than silverware, platinum, coins and medals. for use with any electronic apparatus.

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Property Not Covered. We do not cover: COVERAGE D – Loss Of Use 1. Articles separately described and specifically The limit of liability for Coverage D is the total limit insured in this or other insurance; for all the coverages that follow. 2. Animals, birds or fish; 1. If a loss covered under this Section makes that 3. Motor vehicles or all other motorized land con- part of the "residence premises" where you reside veyances. This includes: not fit to live in, we cover, at your choice, either of the following. However, if the "residence prem- a. Their equipment and accessories; or ises" is not your principal place of residence, we b. Electronic apparatus that is designed to be will not provide the option under paragraph b. be- operated solely by use of the power from the low. electrical system of motor vehicles or all other a. Additional Living Expense, meaning any motorized land conveyances. Electronic appa- necessary increase in living expenses incurred ratus includes: by you so that your household can maintain its (1) Accessories or antennas; or normal standard of living; or (2) Tapes, wires, records, discs or other media; b. Fair Rental Value, meaning the fair rental value of that part of the "residence premises" for use with any electronic apparatus. where you reside less any expenses that do The exclusion of property described in 3.a. and not continue while the premises is not fit to live 3.b. above applies only while the property is in in. or upon the vehicle or conveyance. Payment under a. or b. will be for the shortest We do cover vehicles or conveyances not subject time required to repair or replace the damage or, to motor vehicle registration which are: if you permanently relocate, the shortest time re- a. Used to service an "insured's" residence; or quired for your household to settle elsewhere. b. Designed for assisting the handicapped; 2. If a loss covered under this Section makes that part of the "residence premises" rented to others 4. Aircraft and parts. Aircraft means any contrivance or held for rental by you not fit to live in, we cover used or designed for flight, except model or hobby the: aircraft not used or designed to carry people or cargo; Fair Rental Value, meaning the fair rental value of that part of the "residence premises" 5. Property of roomers, boarders and other tenants, rented to others or held for rental by you less except property of roomers and boarders related any expenses that do not continue while the to an "insured"; premises is not fit to live in. 6. Property in an apartment regularly rented or held Payment will be for the shortest time required to for rental to others by an "insured"; repair or replace that part of the premises rented 7. Property rented or held for rental to others off the or held for rental. "residence premises"; 3. If a civil authority prohibits you from use of the 8. "Business" data, including such data stored in: "residence premises" as a result of direct damage a. Books of account, drawings or other paper to neighboring premises by a Peril Insured Against records; or in this policy, we cover the Additional Living Ex- pense and Fair Rental Value loss as provided un- b. Electronic data processing tapes, wires, re- der 1. and 2. above for no more than two weeks. cords, discs or other software media. The periods of time under 1., 2. and 3. above are not However, we do cover the cost of blank recording limited by expiration of this policy. or storage media, and of pre-recorded computer programs available on the retail market; or We do not cover loss or expense due to cancellation of a lease or agreement. 9. Credit cards or fund transfer cards except as provided in Additional Coverages 6.

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ADDITIONAL COVERAGES 4. Fire Department Service Charge. We will pay up 1. Debris Removal. We will pay your reasonable to $500 for your liability assumed by contract or expense for the removal of: agreement for fire department charges incurred when the fire department is called to save or pro- a. Debris of covered property if a Peril Insured tect covered property from a Peril Insured Against that applies to the damaged property Against. We do not cover fire department service causes the loss; or charges if the property is located within the limits b. Ash, dust or particles from a volcanic eruption of the city, municipality or protection district fur- that has caused direct loss to a building or nishing the fire department response. property contained in a building. This coverage is additional insurance. No deducti- This expense is included in the limit of liability that ble applies to this coverage. applies to the damaged property. 5. Property Removed. We insure covered property We will also pay your reasonable expense, up to against direct loss from any cause while being $500, for the removal from the "residence prem- removed from a premises endangered by a Peril ises" of: Insured Against and for no more than 30 days while removed. This coverage does not change a. Your tree(s) felled by the peril of Windstorm or the limit of liability that applies to the property be- Hail; or ing removed. b. A neighbor's tree(s) felled by a Peril Insured 6. Credit Card, Fund Transfer Card, Forgery and Against under Coverage C; Counterfeit Money. provided the tree(s) damages a covered structure. We will pay up to $500 for: The $500 limit is the most we will pay in any one loss regardless of the number of fallen trees. a. The legal obligation of an "insured" to pay because of the theft or unauthorized use of 2. Reasonable Repairs. In the event that covered credit cards issued to or registered in an "in- property is damaged by an applicable Peril In- sured's" name; sured Against, we will pay the reasonable cost incurred by you for necessary measures taken b. Loss resulting from theft or unauthorized use solely to protect against further damage. If the of a fund transfer card used for deposit, with- measures taken involve repair to other damaged drawal or transfer of funds, issued to or regis- property, we will pay for those measures only if tered in an "insured's" name; that property is covered under this policy and the c. Loss to an "insured" caused by forgery or al- damage to that property is caused by an applica- teration of any check or negotiable instrument; ble Peril Insured Against. and This coverage: d. Loss to an "insured" through acceptance in a. Does not increase the limit of liability that good faith of counterfeit United States or Ca- applies to the covered property; nadian paper currency. b. Does not relieve you of your duties, in case of We do not cover use of a credit card or fund a loss to covered property, as set forth in SEC- transfer card: TION I – CONDITION 2.d. a. By a resident of your household; 3. Trees, Shrubs and Other Plants. We cover b. By a person who has been entrusted with ei- trees, shrubs, plants or lawns, on the "residence ther type of card; or premises," for loss caused by the following Perils Insured Against: Fire or lightning, Explosion, Riot c. If an "insured" has not complied with all terms or civil commotion, Aircraft, Vehicles not owned or and conditions under which the cards are is- operated by a resident of the "residence prem- sued. ises," Vandalism or malicious mischief or Theft. All loss resulting from a series of acts committed We will pay up to 5% of the limit of liability that by any one person or in which any one person is applies to the dwelling, for all trees, shrubs, plants concerned or implicated is considered to be one or lawns. No more than $250 of this limit will be loss. available for any one tree, shrub or plant. We do We do not cover loss arising out of "business" use not cover property grown for "business" purposes. or dishonesty of an "insured." This coverage is additional insurance. This coverage is additional insurance. No deductible applies to this coverage.

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Defense: We do not cover loss assessments charged a. We may investigate and settle any claim or against you or a corporation or association of suit that we decide is appropriate. Our duty to property owners by any governmental body. defend a claim or suit ends when the amount The limit of $1000 is the most we will pay with re- we pay for the loss equals our limit of liability. spect to any one loss, regardless of the number of b. If a suit is brought against an "insured" for assessments. liability under the Credit Card or Fund Transfer Condition 1. Policy Period, under SECTIONS I Card coverage, we will provide a defense at AND II – CONDITIONS, does not apply to this our expense by counsel of our choice. coverage. c. We have the option to defend at our expense 8. Glass or Safety Glazing Material an "insured" or an "insured's" bank against any We will pay up to $100 for: suit for the enforcement of payment under the Forgery coverage. a. The breakage of glass or safety glazing material which is part of a covered building, storm 7. Loss Assessment. We will pay up to $1000 for door or storm window; and your share of loss assessment charged during the policy period against you by a corporation or as- b. Damage to covered property by glass or safety sociation of property owners, when the assess- glazing material which is part of a building, ment is made as a result of direct loss to the storm door or storm window. property, owned by all members collectively, This coverage does not include loss on the "resi- caused by a Peril Insured Against under COVER- dence premises" if the dwelling has been vacant AGE A – DWELLING, other than earthquake or for more than 30 consecutive days immediately land shock waves or tremors before, during or af- before the loss. A dwelling being constructed is ter a volcanic eruption. not considered vacant. This coverage applies only to loss assessments Loss for damage to glass will be settled on the ba- charged against you as owner or tenant of the sis of replacement with safety glazing materials "residence premises." when required by ordinance or law. This coverage does not increase the limit of liability that applies to the damaged property.

SECTION I – PERILS INSURED AGAINST

We insure for direct physical loss to the property 6. Vehicles. described in Coverages A, B and C caused by a peril This peril does not include loss caused by a vehi- listed below unless the loss is excluded in SECTION I cle owned or operated by a resident of the "resi- – EXCLUSIONS. dence premises." 1. Fire or lightning. 7. Smoke, meaning sudden and accidental damage 2. Windstorm or hail. from smoke. This peril does not include loss to the inside of a This peril does not include loss caused by smoke building or the property contained in a building from fireplaces or from agricultural smudging or caused by rain, snow, sleet, sand or dust unless industrial operations. the direct force of wind or hail damages the build- 8. Vandalism or malicious mischief. ing causing an opening in a roof or wall and the rain, snow, sleet, sand or dust enters through this This peril does not include loss to property on the opening. "residence premises" if the dwelling has been vacant for more than 30 consecutive days immedi- This peril includes loss to watercraft and their trail- ately before the loss. A dwelling being constructed ers, furnishings, equipment, and outboard engines is not considered vacant. or motors, only while inside a fully enclosed building. 9. Theft, including attempted theft and loss of property from a known place on the "residence prem- 3. Explosion. ises" when it is likely that the property has been 4. Riot or civil commotion. stolen. 5. Aircraft, including self-propelled missiles and This peril does not include loss caused by theft spacecraft. that occurs off the "residence premises."

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Personal property contained in any bank, trust or c. From that part of a "residence premises" safe deposit company or public warehouse will be rented by an "insured" to other than an "in- considered on the "residence premises." sured." Our liability will not be more than $1000 in any 10. Volcanic eruption other than loss caused by one loss caused by theft. earthquake, land shock waves or tremors. This peril does not include loss caused by theft: a. Committed by an "insured"; b. In or to a dwelling under construction, or of materials and supplies for use in the construction until the dwelling is finished and occupied; or

SECTION I – EXCLUSIONS

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SECTION I – CONDITIONS

1. Insurable Interest and Limit of Liability. Even if (6) The inventory of damaged personal prop- more than one person has an insurable interest in erty described in 2.e. above; the property covered, we will not be liable in any (7) Receipts for additional living expenses one loss: incurred and records that support the fair a. To the "insured" for more than the amount of rental value loss; and the "insured's" interest at the time of loss; or (8) Evidence or affidavit that supports a claim b. For more than the applicable limit of liability. under the Credit Card, Fund Transfer Card, 2. Your Duties After Loss. In case of a loss to Forgery and Counterfeit Money coverage, covered property, you must see that the following stating the amount and cause of loss. are done: 3. Loss Settlement. Covered property losses are a. Give prompt notice to us or our agent; settled as follows: b. Notify the police in case of loss by theft; a. Property of the following types: c. Notify the credit card or fund transfer card (1) Personal property; company in case of loss under Credit Card or (2) Awnings, carpeting, household appliances, Fund Transfer Card coverage; outdoor antennas and outdoor equipment, d. Protect the property from further damage. If whether or not attached to buildings; and repairs to the property are required, you must: (3) Structures that are not buildings; (1) Make reasonable and necessary repairs to at actual cash value at the time of loss but not protect the property; and more than the amount required to repair or re- (2) Keep an accurate record of repair ex- place. penses; b. Buildings under Coverage A or B: e. Prepare an inventory of damaged personal (1) If you repair or replace the loss or damage property showing the quantity, description, ac- to restore the building structure for the tual cash value and amount of loss. Attach all same occupancy and use at the same site bills, receipts and related documents that jus- within 180 days of the date of loss or dam- tify the figures in the inventory; age, we will pay the lesser of the following f. As often as we reasonably require: amounts: (1) Show the damaged property; (a) The limit of liability that applies to the damaged or destroyed building struc- (2) Provide us with records and documents we ture; or request and permit us to make copies; and (b) The necessary amount actually spent to (3) Submit to examination under oath, while repair or replace the loss or damage to not in the presence of any other "insured," the building structure but no more than and sign the same; the cost of using common construction g. Send to us, within 60 days after our request, materials and methods where function- your signed, sworn proof of loss which sets ally equivalent to and less costly than forth, to the best of your knowledge and belief: obsolete, antique or custom construction materials and methods. (1) The time and cause of loss; (2) If you do not make claim under Paragraph (2) The interest of the "insured" and all others (1) above, we will pay the least of the fol- in the property involved and all liens on the lowing amounts: property; (a) The limit of liability that applies to the (3) Other insurance which may cover the loss; damaged or destroyed building struc- (4) Changes in title or occupancy of the prop- ture; erty during the term of the policy; (b) The market value at the time of loss of (5) Specifications of damaged buildings and the damaged or destroyed building detailed repair estimates; structure exclusive of land value; or

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(c) The amount which it would cost to repair 10. Loss Payment. We will adjust all losses with you. or replace that part of the building struc- We will pay you unless some other person is ture damaged or destroyed with material named in the policy or is legally entitled to receive of like kind and quality less allowance payment. Loss will be payable 60 days after we for physical deterioration and deprecia- receive your proof of loss and: tion. a. Reach an agreement with you; 4. Loss to a Pair or Set. In case of loss to a pair or b. There is an entry of a final judgment; or set we may elect to: c. There is a filing of an appraisal award with us. a. Repair or replace any part to restore the pair or set to its value before the loss; or 11. Abandonment of Property. We need not accept any property abandoned by an "insured." b. Pay the difference between actual cash value of the property before and after the loss. 12. Mortgage Clause. 5. Glass Replacement. Loss for damage to glass The word "mortgagee" includes trustee. caused by a Peril Insured Against will be settled If a mortgagee is named in this policy, any loss on the basis of replacement with safety glazing payable under Coverage A or B will be paid to the materials when required by ordinance or law. mortgagee and you, as interests appear. If more 6. Appraisal. If you and we fail to agree on the than one mortgagee is named, the order of pay- amount of loss, either may demand an appraisal ment will be the same as the order of precedence of the loss. In this event, each party will choose a of the mortgages. competent appraiser within 20 days after receiving If we deny your claim, that denial will not apply to a written request from the other. The two apprais- a valid claim of the mortgagee, if the mortgagee: ers will choose an umpire. If they cannot agree a. Notifies us of any change in ownership, occu- upon an umpire within 15 days, you or we may re- pancy or substantial change in risk of which quest that the choice be made by a judge of a the mortgagee is aware; court of record in the state where the "residence premises" is located. The appraisers will sepa- b. Pays any premium due under this policy on rately set the amount of loss. If the appraisers demand if you have neglected to pay the pre- submit a written report of an agreement to us, the mium; and amount agreed upon will be the amount of loss. If c. Submits a signed, sworn statement of loss they fail to agree, they will submit their differences within 60 days after receiving notice from us of to the umpire. A decision agreed to by any two will your failure to do so. Policy conditions relating set the amount of loss. to Appraisal, Suit Against Us and Loss Pay- Each party will: ment apply to the mortgagee. a. Pay its own appraiser; and If we decide to cancel or not to renew this policy, the mortgagee will be notified at least 10 days be- b. Bear the other expenses of the appraisal and fore the date cancellation or nonrenewal takes ef- umpire equally. fect. 7. Other Insurance. If a loss covered by this policy If we pay the mortgagee for any loss and deny is also covered by other insurance, we will pay payment to you: only the proportion of the loss that the limit of liability that applies under this policy bears to the a. We are subrogated to all the rights of the mort- total amount of insurance covering the loss. gagee granted under the mortgage on the property; or 8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and b. At our option, we may pay to the mortgagee the action is started within one year after the date the whole principal on the mortgage plus any of loss. accrued interest. In this event, we will receive a full assignment and transfer of the mortgage 9. Our Option. If we give you written notice within and all securities held as collateral to the mort- 30 days after we receive your signed, sworn proof gage debt. of loss, we may repair or replace any part of the damaged property with like property. Subrogation will not impair the right of the mortgagee to recover the full amount of the mortgagee's claim.

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SECTION II – LIABILITY COVERAGES

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SECTION II – EXCLUSIONS

1. Coverage E – Personal Liability and Coverage (2) A motorized land conveyance designed for F – Medical Payments to Others do not apply to recreational use off public roads, not sub- "bodily injury" or "property damage": ject to motor vehicle registration and: a. Which is expected or intended by the "in- (a) Not owned by an "insured"; or sured"; (b) Owned by an "insured" and on an "in- b. Arising out of or in connection with a "busi- sured location"; ness" engaged in by an "insured." This exclu- (3) A motorized golf cart when used to play sion applies but is not limited to an act or golf on a golf course; omission, regardless of its nature or circumstance, involving a service or duty rendered, (4) A vehicle or conveyance not subject to promised, owed, or implied to be provided be- motor vehicle registration which is: cause of the nature of the "business"; (a) Used to service an "insured's" resi- c. Arising out of the rental or holding for rental of dence; any part of any premises by an "insured." This (b) Designed for assisting the handicapped; exclusion does not apply to the rental or hold- or ing for rental of an "insured location": (c) In dead storage on an "insured loca- (1) On an occasional basis if used only as a tion"; residence; g. Arising out of: (2) In part for use only as a residence, unless a (1) The ownership, maintenance, use, loading single family unit is intended for use by the or unloading of an excluded watercraft de- occupying family to lodge more than two scribed below; roomers or boarders; or (2) The entrustment by an "insured" of an (3) In part, as an office, school, studio or pri- excluded watercraft described below to any vate garage; person; or d. Arising out of the rendering of or failure to (3) Vicarious liability, whether or not statutorily render professional services; imposed, for the actions of a child or minor e. Arising out of a premises: using an excluded watercraft described be- (1) Owned by an "insured"; low. (2) Rented to an "insured"; or Excluded watercraft are those that are principally designed to be propelled by engine power (3) Rented to others by an "insured"; or electric motor, or are sailing vessels, that is not an "insured location"; whether owned by or rented to an "insured." f. Arising out of: This exclusion does not apply to watercraft: (1) The ownership, maintenance, use, loading (1) That are not sailing vessels and are pow- or unloading of motor vehicles or all other ered by: motorized land conveyances, including (a) Inboard or inboard-outdrive engine or trailers, owned or operated by or rented or motor power of 50 horsepower or less loaned to an "insured"; not owned by an "insured"; (2) The entrustment by an "insured" of a motor (b) Inboard or inboard-outdrive engine or vehicle or any other motorized land con- motor power of more than 50 horse- veyance to any person; or power not owned by or rented to an "in- (3) Vicarious liability, whether or not statutorily sured"; imposed, for the actions of a child or minor (c) One or more outboard engines or mo- using a conveyance excluded in paragraph tors with 25 total horsepower or less; (1) or (2) above. This exclusion does not apply to: (1) A trailer not towed by or carried on a motorized land conveyance;

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(d) One or more outboard engines or mo- k. Arising out of sexual molestation, corporal tors with more than 25 total horsepower punishment or physical or mental abuse; or if the outboard engine or motor is not l. Arising out of the use, sale, manufacture, owned by an "insured"; delivery, transfer or possession by any person (e) Outboard engines or motors of more of a Controlled Substance(s) as defined by the than 25 total horsepower owned by an Federal Food and Drug Law at 21 U.S.C.A. "insured" if: Sections 811 and 812. Controlled Substances (i) You acquire them prior to the policy include but are not limited to cocaine, LSD, period; and marijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use (a) You declare them at policy incep- of prescription drugs by a person following the tion; or orders of a licensed physician. (b) Your intention to insure is re- Exclusions e., f., g., and h. do not apply to "bodily ported to us in writing within 45 injury" to a "residence employee" arising out of days after you acquire the out- and in the course of the "residence employee's" board engines or motors. employment by an "insured." (ii) You acquire them during the policy 2. Coverage E – Personal Liability, does not apply period. to: This coverage applies for the policy pe- a. Liability: riod. (1) For any loss assessment charged against (2) That are sailing vessels, with or without you as a member of an association, corpo- auxiliary power: ration or community of property owners; (a) Less than 26 feet in overall length; (2) Under any contract or agreement. How- (b) 26 feet or more in overall length, not ever, this exclusion does not apply to writ- owned by or rented to an "insured." ten contracts: (3) That are stored; (a) That directly relate to the ownership, maintenance or use of an "insured loca- h. Arising out of: tion"; or (1) The ownership, maintenance, use, loading (b) Where the liability of others is assumed or unloading of an aircraft; by the "insured" prior to an "occur- (2) The entrustment by an "insured" of an rence"; aircraft to any person; or unless excluded in (1) above or elsewhere (3) Vicarious liability, whether or not statutorily in this policy; imposed, for the actions of a child or minor b. "Property damage" to property owned by the using an aircraft. "insured"; An aircraft means any contrivance used or de- c. "Property damage" to property rented to, occu- signed for flight, except model or hobby air- pied or used by or in the care of the "insured." craft not used or designed to carry people or This exclusion does not apply to "property cargo; damage" caused by fire, smoke or explosion; i. Caused directly or indirectly by war, including d. "Bodily injury" to any person eligible to receive the following and any consequence of any of any benefits: the following: (1) Voluntarily provided; or (1) Undeclared war, civil war, insurrection, rebellion or revolution; (2) Required to be provided; (2) Warlike act by a military force or military by the "insured" under any: personnel; or (1) Workers' compensation law; (3) Destruction, seizure or use for a military (2) Non-occupational disability law; or purpose. (3) Occupational disease law; Discharge of a nuclear weapon will be deemed a warlike act even if accidental; j. Which arises out of the transmission of a communicable disease by an "insured";

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e. "Bodily injury" or "property damage" for which (2) Does not arise out of or in the course of the an "insured" under this policy: "residence employee's" employment by an (1) Is also an insured under a nuclear energy "insured"; liability policy; or b. To any person eligible to receive benefits: (2) Would be an insured under that policy but (1) Voluntarily provided; or for the exhaustion of its limit of liability. (2) Required to be provided; A nuclear energy liability policy is one issued under any: by: (1) Workers' compensation law; (1) American Nuclear Insurers; (2) Non-occupational disability law; or (2) Mutual Atomic Energy Liability Underwrit- ers; (3) Occupational disease law; (3) Nuclear Insurance Association of Canada; c. From any: or any of their successors; or (1) Nuclear reaction; f. "Bodily injury" to you or an "insured" within the (2) Nuclear radiation; or meaning of part a. or b. of "insured" as de- (3) Radioactive contamination; fined. all whether controlled or uncontrolled or how- 3. Coverage F – Medical Payments to Others, ever caused; or does not apply to "bodily injury": (4) Any consequence of any of these; or a. To a "residence employee" if the "bodily in- d. To any person, other than a "residence em- jury": ployee" of an "insured," regularly residing on (1) Occurs off the "insured location"; and any part of the "insured location."

SECTION II – ADDITIONAL COVERAGES

We cover the following in addition to the limits of We will not pay for "property damage": liability: a. To the extent of any amount recoverable under 1. Claim Expenses. We pay: Section I of this policy; a. Expenses we incur and costs taxed against an b. Caused intentionally by an "insured" who is 13 "insured" in any suit we defend; years of age or older; b. Premiums on bonds required in a suit we de- c. To property owned by an "insured"; fend, but not for bond amounts more than the d. To property owned by or rented to a tenant of limit of liability for Coverage E. We need not an "insured" or a resident in your household; or apply for or furnish any bond; e. Arising out of: c. Reasonable expenses incurred by an "insured" at our request, including actual loss of earnings (1) A "business" engaged in by an "insured"; (but not loss of other income) up to $50 per (2) Any act or omission in connection with a day, for assisting us in the investigation or de- premises owned, rented or controlled by an fense of a claim or suit; and "insured," other than the "insured location"; d. Interest on the entire judgment which accrues or after entry of the judgment and before we pay (3) The ownership, maintenance, or use of or tender, or deposit in court that part of the aircraft, watercraft or motor vehicles or all judgment which does not exceed the limit of li- other motorized land conveyances. ability that applies. This exclusion does not apply to a motor- 2. First Aid Expenses. We will pay expenses for ized land conveyance designed for recrea- first aid to others incurred by an "insured" for tional use off public roads, not subject to "bodily injury" covered under this policy. We will motor vehicle registration and not owned not pay for first aid to you or any other "insured." by an "insured." 3. Damage to Property of Others. We will pay, at replacement cost, up to $500 per "occurrence" for "property damage" to property of others caused by an "insured."

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4. Loss Assessment. We will pay up to $1000 for We do not cover loss assessments charged your share of loss assessment charged during the against you or a corporation or association of policy period against you by a corporation or as- property owners by any governmental body. sociation of property owners, when the assess- Regardless of the number of assessments, the ment is made as a result of: limit of $1000 is the most we will pay for loss aris- a. "Bodily injury" or "property damage" not ex- ing out of: cluded under Section II of this policy; or a. One accident, including continuous or repeated b. Liability for an act of a director, officer or trus- exposure to substantially the same general tee in the capacity as a director, officer or trus- harmful condition; or tee, provided: b. A covered act of a director, officer or trustee. (1) The director, officer or trustee is elected by An act involving more than one director, officer the members of a corporation or associa- or trustee is considered to be a single act. tion of property owners; and The following do not apply to this coverage: (2) The director, officer or trustee serves with- 1. Section II – Coverage E – Personal Liability out deriving any income from the exercise Exclusion 2.a.(1); of duties which are solely on behalf of a corporation or association of property own- 2. Condition 1. Policy Period, under SECTIONS I ers. AND II – CONDITIONS. This coverage applies only to loss assessments charged against you as owner or tenant of the "residence premises."

SECTION II – CONDITIONS

1. Limit of Liability. Our total liability under Cover- (2) Reasonably available information on the age E for all damages resulting from any one "oc- time, place and circumstances of the acci- currence" will not be more than the limit of liability dent or "occurrence"; and for Coverage E as shown in the Declarations. This (3) Names and addresses of any claimants and limit is the same regardless of the number of "in- witnesses; sureds," claims made or persons injured. All "bodily injury" and "property damage" resulting from b. Promptly forward to us every notice, demand, any one accident or from continuous or repeated summons or other process relating to the acci- exposure to substantially the same general harm- dent or "occurrence"; ful conditions shall be considered to be the result c. At our request, help us: of one "occurrence." (1) To make settlement; Our total liability under Coverage F for all medical (2) To enforce any right of contribution or in- expense payable for "bodily injury" to one person demnity against any person or organization as the result of one accident will not be more than who may be liable to an "insured"; the limit of liability for Coverage F as shown in the Declarations. (3) With the conduct of suits and attend hear- ings and trials; and 2. Severability of Insurance. This insurance applies separately to each "insured." This condition will (4) To secure and give evidence and obtain not increase our limit of liability for any one "oc- the attendance of witnesses; currence." d. Under the coverage – Damage to Property of 3. Duties After Loss. In case of an accident or Others – submit to us within 60 days after the "occurrence," the "insured" will perform the follow- loss, a sworn statement of loss and show the ing duties that apply. You will help us by seeing damaged property, if in the "insured's" control; that these duties are performed: a. Give written notice to us or our agent as soon as is practical, which sets forth: (1) The identity of the policy and "insured";

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e. The "insured" will not, except at the "insured's" 6. Suit Against Us. No action can be brought own cost, voluntarily make payment, assume against us unless there has been compliance with obligation or incur expense other than for first the policy provisions. aid to others at the time of the "bodily injury." No one will have the right to join us as a party to 4. Duties of an Injured Person – Coverage F – any action against an "insured." Also, no action Medical Payments to Others. with respect to Coverage E can be brought The injured person or someone acting for the in- against us until the obligation of the "insured" has jured person will: been determined by final judgment or agreement signed by us. a. Give us written proof of claim, under oath if required, as soon as is practical; and 7. Bankruptcy of an Insured. Bankruptcy or insolvency of an "insured" will not relieve us of our ob- b. Authorize us to obtain copies of medical re- ligations under this policy. ports and records. 8. Other Insurance – Coverage E – Personal Li- The injured person will submit to a physical exam ability. This insurance is excess over other valid by a doctor of our choice when and as often as we and collectible insurance except insurance written reasonably require. specifically to cover as excess over the limits of 5. Payment of Claim – Coverage F – Medical liability that apply in this policy. Payments to Others. Payment under this coverage is not an admission of liability by an "insured" or us.

SECTIONS I AND II – CONDITIONS

1. Policy Period. This policy applies only to loss in 5. Cancellation. Section I or "bodily injury" or "property damage" in a. You may cancel this policy at any time by Section II, which occurs during the policy period. returning it to us or by letting us know in writing 2. Concealment or Fraud. The entire policy will be of the date cancellation is to take effect. void if, whether before or after a loss, an "insured" b. We may cancel this policy only for the reasons has: stated below by letting you know in writing of a. Intentionally concealed or misrepresented any the date cancellation takes effect. This cancel- material fact or circumstance; lation notice may be delivered to you, or b. Engaged in fraudulent conduct; or mailed to you at your mailing address shown in the Declarations. c. Made false statements; Proof of mailing will be sufficient proof of no- relating to this insurance. tice. 3. Liberalization Clause. If we make a change (1) When you have not paid the premium, we which broadens coverage under this edition of our may cancel at any time by letting you know policy without additional premium charge, that at least 10 days before the date cancella- change will automatically apply to your insurance tion takes effect. as of the date we implement the change in your state, provided that this implementation date falls (2) When this policy has been in effect for less within 60 days prior to or during the policy period than 60 days and is not a renewal with us, stated in the Declarations. we may cancel for any reason by letting you know at least 10 days before the date This Liberalization Clause does not apply to cancellation takes effect. changes implemented through introduction of a subsequent edition of our policy. (3) When this policy has been in effect for 60 days or more, or at any time if it is a re- 4. Waiver or Change of Policy Provisions. newal with us, we may cancel: A waiver or change of a provision of this policy (a) If there has been a material misrepre- must be in writing by us to be valid. Our request sentation of fact which if known to us for an appraisal or examination will not waive any would have caused us not to issue the of our rights. policy; or

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(b) If the risk has changed substantially If an assignment is sought, an "insured" must sign since the policy was issued. and deliver all related papers and cooperate with This can be done by letting you know at us. least 30 days before the date cancellation Subrogation does not apply under Section II to takes effect. Medical Payments to Others or Damage to Prop- (4) When this policy is written for a period of erty of Others. more than one year, we may cancel for any 9. Death. If any person named in the Declarations or reason at anniversary by letting you know the spouse, if a resident of the same household, at least 30 days before the date cancella- dies: tion takes effect. a. We insure the legal representative of the de- c. When this policy is cancelled, the premium for ceased but only with respect to the premises the period from the date of cancellation to the and property of the deceased covered under expiration date will be refunded pro rata. the policy at the time of death; d. If the return premium is not refunded with the b. "Insured" includes: notice of cancellation or when this policy is re- (1) Any member of your household who is an turned to us, we will refund it within a reason- "insured" at the time of your death, but only able time after the date cancellation takes ef- while a resident of the "residence prem- fect. ises"; and 6. Nonrenewal. We may elect not to renew this (2) With respect to your property, the person policy. We may do so by delivering to you, or having proper temporary custody of the mailing to you at your mailing address shown in property until appointment and qualification the Declarations, written notice at least 30 days of a legal representative. before the expiration date of this policy. Proof of mailing will be sufficient proof of notice. 7. Assignment. Assignment of this policy will not be valid unless we give our written consent. 8. Subrogation. An "insured" may waive in writing before a loss all rights of recovery against any person. If not waived, we may require an assignment of rights of recovery for a loss to the extent that payment is made by us.

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HOMEOWNERS HO 00 03 10 00 HOMEOWNERS 3 – SPECIAL FORM

AGREEMENT 2. "Bodily injury" means bodily harm, sickness or We will provide the insurance described in this policy disease, including required care, loss of serv- in return for the premium and compliance with all ices and death that results. applicable provisions of this policy. 3. "Business" means: a. A trade, profession or occupation engaged DEFINITIONS in on a full-time, part-time or occasional basis; or A. In this policy, "you" and "your" refer to the "named insured" shown in the Declarations and the spouse b. Any other activity engaged in for money or if a resident of the same household. "We", "us" other compensation, except the following: and "our" refer to the Company providing this in- (1) One or more activities, not described in surance. (2) through (4) below, for which no "in- B. In addition, certain words and phrases are defined sured" receives more than $2,000 in as follows: total compensation for the 12 months before the beginning of the policy pe- 1. "Aircraft Liability", "Hovercraft Liability", "Motor riod; Vehicle Liability" and "Watercraft Liability", subject to the provisions in b. below, mean the (2) Volunteer activities for which no money following: is received other than payment for expenses incurred to perform the activity; a. Liability for "bodily injury" or "property damage" arising out of the: (3) Providing home day care services for which no compensation is received, (1) Ownership of such vehicle or craft by an other than the mutual exchange of such "insured"; services; or (2) Maintenance, occupancy, operation, (4) The rendering of home day care serv- use, loading or unloading of such vehi- ices to a relative of an "insured". cle or craft by any person; 4. "Employee" means an employee of an "in- (3) Entrustment of such vehicle or craft by sured", or an employee leased to an "insured" an "insured" to any person; by a labor leasing firm under an agreement (4) Failure to supervise or negligent super- between an "insured" and the labor leasing vision of any person involving such ve- firm, whose duties are other than those per- hicle or craft by an "insured"; or formed by a "residence employee". (5) Vicarious liability, whether or not im- 5. "Insured" means: posed by law, for the actions of a child a. You and residents of your household who or minor involving such vehicle or craft. are: b. For the purpose of this definition: (1) Your relatives; or (1) Aircraft means any contrivance used or (2) Other persons under the age of 21 and designed for flight except model or in the care of any person named above; hobby aircraft not used or designed to carry people or cargo; b. A student enrolled in school full time, as defined by the school, who was a resident (2) Hovercraft means a self-propelled mo- of your household before moving out to at- torized ground effect vehicle and intend school, provided the student is under cludes, but is not limited to, flarecraft the age of: and air cushion vehicles; (1) 24 and your relative; or (3) Watercraft means a craft principally designed to be propelled on or in water (2) 21 and in your care or the care of a by wind, engine power or electric motor; person described in a.(1) above; or and (4) Motor vehicle means a "motor vehicle" as defined in 7. below.

HO 00 03 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 1 of 22 c. Under Section II: h. Any part of a premises occasionally rented (1) With respect to animals or watercraft to to an "insured" for other than "business" which this policy applies, any person or use. organization legally responsible for 7. "Motor vehicle" means: these animals or watercraft which are a. A self-propelled land or amphibious vehicle; owned by you or any person included in or a. or b. above. "Insured" does not mean a person or organization using or having b. Any trailer or semitrailer which is being custody of these animals or watercraft in carried on, towed by or hitched for towing the course of any "business" or without by a vehicle described in a. above. consent of the owner; or 8. "Occurrence" means an accident, including (2) With respect to a "motor vehicle" to continuous or repeated exposure to substan- which this policy applies: tially the same general harmful conditions, which results, during the policy period, in: (a) Persons while engaged in your employ or that of any person included in a. "Bodily injury"; or a. or b. above; or b. "Property damage". (b) Other persons using the vehicle on 9. "Property damage" means physical injury to, an "insured location" with your con- destruction of, or loss of use of tangible prop- sent. erty. Under both Sections I and II, when the word an 10. "Residence employee" means: immediately precedes the word "insured", the a. An employee of an "insured", or an em- words an "insured" together mean one or more ployee leased to an "insured" by a labor "insureds". leasing firm, under an agreement between 6. "Insured location" means: an "insured" and the labor leasing firm, a. The "residence premises"; whose duties are related to the maintenance or use of the "residence premises", b. The part of other premises, other structures including household or domestic services; and grounds used by you as a residence; or and b. One who performs similar duties elsewhere (1) Which is shown in the Declarations; or not related to the "business" of an "in- (2) Which is acquired by you during the sured". policy period for your use as a resi- A "residence employee" does not include a dence; temporary employee who is furnished to an c. Any premises used by you in connection "insured" to substitute for a permanent "resi- with a premises described in a. and b. dence employee" on leave or to meet seasonal above; or short-term workload conditions. d. Any part of a premises: 11. "Residence premises" means: (1) Not owned by an "insured"; and a. The one family dwelling where you reside; (2) Where an "insured" is temporarily re- b. The two, three or four family dwelling where siding; you reside in at least one of the family units; e. Vacant land, other than farm land, owned or by or rented to an "insured"; c. That part of any other building where you f. Land owned by or rented to an "insured" on reside; which a one, two, three or four family and which is shown as the "residence prem- dwelling is being built as a residence for an ises" in the Declarations. "insured"; "Residence premises" also includes other g. Individual or family cemetery plots or burial structures and grounds at that location. vaults of an "insured"; or

Page 2 of 22 Copyright, Insurance Services Office, Inc., 1999 HO 00 03 10 00 DEDUCTIBLE C. Coverage C – Personal Property Unless otherwise noted in this policy, the following 1. Covered Property deductible provision applies: We cover personal property owned or used by Subject to the policy limits that apply, we will pay only an "insured" while it is anywhere in the world. that part of the total of all loss payable under Section I After a loss and at your request, we will cover that exceeds the deductible amount shown in the personal property owned by: Declarations. a. Others while the property is on the part of the "residence premises" occupied by an SECTION I – PROPERTY COVERAGES "insured"; or A. Coverage A – Dwelling b. A guest or a "residence employee", while the property is in any residence occupied by 1. We cover: an "insured". a. The dwelling on the "residence premises" 2. Limit For Property At Other Residences shown in the Declarations, including structures attached to the dwelling; and Our limit of liability for personal property usually located at an "insured's" residence, other than b. Materials and supplies located on or next to the "residence premises", is 10% of the limit of the "residence premises" used to construct, liability for Coverage C, or $1,000, whichever is alter or repair the dwelling or other struc- greater. However, this limitation does not apply tures on the "residence premises". to personal property: 2. We do not cover land, including land on which a. Moved from the "residence premises" be- the dwelling is located. cause it is being repaired, renovated or re- B. Coverage B – Other Structures built and is not fit to live in or store property 1. We cover other structures on the "residence in; or premises" set apart from the dwelling by clear b. In a newly acquired principal residence for space. This includes structures connected to 30 days from the time you begin to move the dwelling by only a fence, utility line, or the property there. similar connection. 3. Special Limits Of Liability 2. We do not cover: The special limit for each category shown be- a. Land, including land on which the other low is the total limit for each loss for all prop- structures are located; erty in that category. These special limits do b. Other structures rented or held for rental to not increase the Coverage C limit of liability. any person not a tenant of the dwelling, a. $200 on money, bank notes, bullion, gold unless used solely as a private garage; other than goldware, silver other than sil- c. Other structures from which any "business" verware, platinum other than platinumware, is conducted; or coins, medals, scrip, stored value cards and smart cards. d. Other structures used to store "business" property. However, we do cover a structure b. $1,500 on securities, accounts, deeds, that contains "business" property solely evidences of debt, letters of credit, notes owned by an "insured" or a tenant of the other than bank notes, manuscripts, per- dwelling provided that "business" property sonal records, passports, tickets and does not include gaseous or liquid fuel, stamps. This dollar limit applies to these other than fuel in a permanently installed categories regardless of the medium (such fuel tank of a vehicle or craft parked or as paper or computer software) on which stored in the structure. the material exists. 3. The limit of liability for this coverage will not be This limit includes the cost to research, re- more than 10% of the limit of liability that ap- place or restore the information from the plies to Coverage A. Use of this coverage does lost or damaged material. not reduce the Coverage A limit of liability.

HO 00 03 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 3 of 22 c. $1,500 on watercraft of all types, including b. Animals, birds or fish; their trailers, furnishings, equipment and c. "Motor vehicles". outboard engines or motors. (1) This includes: d. $1,500 on trailers or semitrailers not used with watercraft of all types. (a) Their accessories, equipment and parts; or e. $1,500 for loss by theft of jewelry, watches, furs, precious and semiprecious stones. (b) Electronic apparatus and accessories designed to be operated solely f. $2,500 for loss by theft of firearms and by power from the electrical system related equipment. of the "motor vehicle". Accessories g. $2,500 for loss by theft of silverware, silver- include antennas, tapes, wires, rec- plated ware, goldware, gold-plated ware, ords, discs or other media that can platinumware, platinum-plated ware and be used with any apparatus de- pewterware. This includes flatware, hollow- scribed above. ware, tea sets, trays and trophies made of The exclusion of property described in or including silver, gold or pewter. (a) and (b) above applies only while h. $2,500 on property, on the "residence such property is in or upon the "motor premises", used primarily for "business" vehicle". purposes. (2) We do cover "motor vehicles" not re- i. $500 on property, away from the "residence quired to be registered for use on public premises", used primarily for "business" roads or property which are: purposes. However, this limit does not ap- (a) Used solely to service an "insured's" ply to loss to electronic apparatus and other residence; or property described in Categories j. and k. below. (b) Designed to assist the handicapped; j. $1,500 on electronic apparatus and acces- d. Aircraft meaning any contrivance used or sories, while in or upon a "motor vehicle", designed for flight including any parts but only if the apparatus is equipped to be whether or not attached to the aircraft. operated by power from the "motor vehi- We do cover model or hobby aircraft not cle's" electrical system while still capable of used or designed to carry people or cargo; being operated by other power sources. e. Hovercraft and parts. Hovercraft means a Accessories include antennas, tapes, wires, self-propelled motorized ground effect vehi- records, discs or other media that can be cle and includes, but is not limited to, flare- used with any apparatus described in this craft and air cushion vehicles; Category j. f. Property of roomers, boarders and other k. $1,500 on electronic apparatus and acces- tenants, except property of roomers and sories used primarily for "business" while boarders related to an "insured"; away from the "residence premises" and g. Property in an apartment regularly rented or not in or upon a "motor vehicle". The appa- held for rental to others by an "insured", ex- ratus must be equipped to be operated by cept as provided in E.10. Landlord's Fur- power from the "motor vehicle's" electrical nishings under Section I – Property Cover- system while still capable of being operated ages; by other power sources. h. Property rented or held for rental to others Accessories include antennas, tapes, wires, off the "residence premises"; records, discs or other media that can be used with any apparatus described in this i. "Business" data, including such data stored Category k. in: 4. Property Not Covered (1) Books of account, drawings or other paper records; or We do not cover: (2) Computers and related equipment. a. Articles separately described and specifically insured, regardless of the limit for We do cover the cost of blank recording or which they are insured, in this or other in- storage media, and of prerecorded com- surance; puter programs available on the retail market;

Page 4 of 22 Copyright, Insurance Services Office, Inc., 1999 HO 00 03 10 00 j. Credit cards, electronic fund transfer cards E. Additional Coverages or access devices used solely for deposit, 1. Debris Removal withdrawal or transfer of funds except as provided in E.6. Credit Card, Electronic a. We will pay your reasonable expense for Fund Transfer Card Or Access Device, the removal of: Forgery And Counterfeit Money under Sec- (1) Debris of covered property if a Peril tion I – Property Coverages; or Insured Against that applies to the dam- k. Water or steam. aged property causes the loss; or D. Coverage D – Loss Of Use (2) Ash, dust or particles from a volcanic eruption that has caused direct loss to a The limit of liability for Coverage D is the total limit building or property contained in a for the coverages in 1. Additional Living Expense, building. 2. Fair Rental Value and 3. Civil Authority Prohibits Use below. This expense is included in the limit of liability that applies to the damaged property. 1. Additional Living Expense If the amount to be paid for the actual dam- If a loss covered under Section I makes that age to the property plus the debris removal part of the "residence premises" where you re- expense is more than the limit of liability for side not fit to live in, we cover any necessary the damaged property, an additional 5% of increase in living expenses incurred by you so that limit is available for such expense. that your household can maintain its normal b. We will also pay your reasonable expense, standard of living. up to $1,000, for the removal from the Payment will be for the shortest time required "residence premises" of: to repair or replace the damage or, if you per- (1) Your tree(s) felled by the peril of Wind- manently relocate, the shortest time required storm or Hail or Weight of Ice, Snow or for your household to settle elsewhere. Sleet; or 2. Fair Rental Value (2) A neighbor's tree(s) felled by a Peril If a loss covered under Section I makes that Insured Against under Coverage C; part of the "residence premises" rented to oth- provided the tree(s): ers or held for rental by you not fit to live in, we cover the fair rental value of such premises (3) Damage(s) a covered structure; or less any expenses that do not continue while it (4) Does not damage a covered structure, is not fit to live in. but: Payment will be for the shortest time required (a) Block(s) a driveway on the "resi- to repair or replace such premises. dence premises" which prevent(s) a 3. Civil Authority Prohibits Use "motor vehicle", that is registered for use on public roads or property, from If a civil authority prohibits you from use of the entering or leaving the "residence "residence premises" as a result of direct dam- premises"; or age to neighboring premises by a Peril Insured Against, we cover the loss as provided in 1. (b) Block(s) a ramp or other fixture Additional Living Expense and 2. Fair Rental designed to assist a handicapped Value above for no more than two weeks. person to enter or leave the dwelling building. 4. Loss Or Expense Not Covered The $1,000 limit is the most we will pay in We do not cover loss or expense due to can- any one loss regardless of the number of cellation of a lease or agreement. fallen trees. No more than $500 of this limit The periods of time under 1. Additional Living Ex- will be paid for the removal of any one tree. pense, 2. Fair Rental Value and 3. Civil Authority This coverage is additional insurance. Prohibits Use above are not limited by expiration of this policy. 2. Reasonable Repairs a. We will pay the reasonable cost incurred by you for the necessary measures taken solely to protect covered property that is damaged by a Peril Insured Against from further damage.

HO 00 03 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 5 of 22 b. If the measures taken involve repair to 6. Credit Card, Electronic Fund Transfer Card other damaged property, we will only pay if Or Access Device, Forgery And Counterfeit that property is covered under this policy Money and the damage is caused by a Peril In- a. We will pay up to $500 for: sured Against. This coverage does not: (1) The legal obligation of an "insured" to (1) Increase the limit of liability that applies pay because of the theft or unauthorized to the covered property; or use of credit cards issued to or regis- (2) Relieve you of your duties, in case of a tered in an "insured's" name; loss to covered property, described in (2) Loss resulting from theft or unauthorized B.4. under Section I – Conditions. use of an electronic fund transfer card 3. Trees, Shrubs And Other Plants or access device used for deposit, with- We cover trees, shrubs, plants or lawns, on the drawal or transfer of funds, issued to or "residence premises", for loss caused by the registered in an "insured's" name; following Perils Insured Against: (3) Loss to an "insured" caused by forgery a. Fire or Lightning; or alteration of any check or negotiable instrument; and b. Explosion; (4) Loss to an "insured" through acceptance c. Riot or Civil Commotion; in good faith of counterfeit United States d. Aircraft; or Canadian paper currency. e. Vehicles not owned or operated by a resi- All loss resulting from a series of acts dent of the "residence premises"; committed by any one person or in which f. Vandalism or Malicious Mischief; or any one person is concerned or implicated is considered to be one loss. g. Theft. This coverage is additional insurance. No We will pay up to 5% of the limit of liability that deductible applies to this coverage. applies to the dwelling for all trees, shrubs, plants or lawns. No more than $500 of this limit b. We do not cover: will be paid for any one tree, shrub or plant. We (1) Use of a credit card, electronic fund do not cover property grown for "business" transfer card or access device: purposes. (a) By a resident of your household; This coverage is additional insurance. (b) By a person who has been entrusted 4. Fire Department Service Charge with either type of card or access We will pay up to $500 for your liability as- device; or sumed by contract or agreement for fire de- (c) If an "insured" has not complied with partment charges incurred when the fire de- all terms and conditions under which partment is called to save or protect covered the cards are issued or the devices property from a Peril Insured Against. We do accessed; or not cover fire department service charges if the (2) Loss arising out of "business" use or property is located within the limits of the city, dishonesty of an "insured". municipality or protection district furnishing the fire department response. c. If the coverage in a. above applies, the following defense provisions also apply: This coverage is additional insurance. No deductible applies to this coverage. (1) We may investigate and settle any claim or suit that we decide is appropriate. 5. Property Removed Our duty to defend a claim or suit ends We insure covered property against direct loss when the amount we pay for the loss from any cause while being removed from a equals our limit of liability. premises endangered by a Peril Insured (2) If a suit is brought against an "insured" Against and for no more than 30 days while for liability under a.(1) or (2) above, we removed. will provide a defense at our expense by This coverage does not change the limit of li- counsel of our choice. ability that applies to the property being re- (3) We have the option to defend at our moved. expense an "insured" or an "insured's" bank against any suit for the enforcement of payment under a.(3) above.

Page 6 of 22 Copyright, Insurance Services Office, Inc., 1999 HO 00 03 10 00 7. Loss Assessment b. We insure for direct physical loss to cov- a. We will pay up to $1,000 for your share of ered property involving collapse of a build- loss assessment charged during the policy ing or any part of a building if the collapse period against you, as owner or tenant of was caused by one or more of the follow- the "residence premises", by a corporation ing: or association of property owners. The as- (1) The Perils Insured Against named under sessment must be made as a result of di- Coverage C; rect loss to property, owned by all members (2) Decay that is hidden from view, unless collectively, of the type that would be cov- the presence of such decay is known to ered by this policy if owned by you, caused an "insured" prior to collapse; by a Peril Insured Against under Coverage A, other than: (3) Insect or vermin damage that is hidden from view, unless the presence of such (1) Earthquake; or damage is known to an "insured" prior to (2) Land shock waves or tremors before, collapse; during or after a volcanic eruption. (4) Weight of contents, equipment, animals The limit of $1,000 is the most we will pay or people; with respect to any one loss, regardless of (5) Weight of rain which collects on a roof; the number of assessments. We will only or apply one deductible, per unit, to the total amount of any one loss to the property de- (6) Use of defective material or methods in scribed above, regardless of the number of construction, remodeling or renovation if assessments. the collapse occurs during the course of the construction, remodeling or renova- b. We do not cover assessments charged tion. against you or a corporation or association of property owners by any governmental c. Loss to an awning, fence, patio, deck, body. pavement, swimming pool, underground pipe, flue, drain, cesspool, septic tank, c. Paragraph P. Policy Period under Section I foundation, retaining wall, bulkhead, pier, – Conditions does not apply to this cover- wharf or dock is not included under b.(2) age. through (6) above, unless the loss is a di- This coverage is additional insurance. rect result of the collapse of a building or 8. Collapse any part of a building. a. With respect to this Additional Coverage: d. This coverage does not increase the limit of liability that applies to the damaged covered (1) Collapse means an abrupt falling down property. or caving in of a building or any part of a building with the result that the building 9. Glass Or Safety Glazing Material or part of the building cannot be occu- a. We cover: pied for its current intended purpose. (1) The breakage of glass or safety glazing (2) A building or any part of a building that material which is part of a covered is in danger of falling down or caving in building, storm door or storm window; is not considered to be in a state of col- (2) The breakage of glass or safety glazing lapse. material which is part of a covered (3) A part of a building that is standing is building, storm door or storm window not considered to be in a state of col- when caused directly by earth move- lapse even if it has separated from an- ment; and other part of the building. (3) The direct physical loss to covered (4) A building or any part of a building that property caused solely by the pieces, is standing is not considered to be in a fragments or splinters of broken glass or state of collapse even if it shows evi- safety glazing material which is part of a dence of cracking, bulging, sagging, building, storm door or storm window. bending, leaning, settling, shrinkage or expansion.

HO 00 03 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 7 of 22 b. This coverage does not include loss: b. You may use all or part of this ordinance or (1) To covered property which results be- law coverage to pay for the increased costs cause the glass or safety glazing mate- you incur to remove debris resulting from rial has been broken, except as pro- the construction, demolition, remodeling, vided in a.(3) above; or renovation, repair or replacement of property as stated in a. above. (2) On the "residence premises" if the dwelling has been vacant for more than c. We do not cover: 60 consecutive days immediately before (1) The loss in value to any covered build- the loss, except when the breakage re- ing or other structure due to the results directly from earth movement as quirements of any ordinance or law; or provided in a.(2) above. A dwelling be- (2) The costs to comply with any ordinance ing constructed is not considered va- or law which requires any "insured" or cant. others to test for, monitor, clean up, re- c. This coverage does not increase the limit of move, contain, treat, detoxify or neu- liability that applies to the damaged prop- tralize, or in any way respond to, or as- erty. sess the effects of, pollutants in or on 10. Landlord's Furnishings any covered building or other structure. We will pay up to $2,500 for your appliances, Pollutants means any solid, liquid, carpeting and other household furnishings, in gaseous or thermal irritant or contami- each apartment on the "residence premises" nant, including smoke, vapor, soot, regularly rented or held for rental to others by fumes, acids, alkalis, chemicals and an "insured", for loss caused by a Peril Insured waste. Waste includes materials to be Against in Coverage C, other than Theft. recycled, reconditioned or reclaimed. This limit is the most we will pay in any one This coverage is additional insurance. loss regardless of the number of appliances, 12. Grave Markers carpeting or other household furnishings in- We will pay up to $5,000 for grave markers, involved in the loss. cluding mausoleums, on or away from the This coverage does not increase the limit of li- "residence premises" for loss caused by a Peril ability applying to the damaged property. Insured Against under Coverage C. 11. Ordinance Or Law This coverage does not increase the limits of a. You may use up to 10% of the limit of liabil- liability that apply to the damaged covered ity that applies to Coverage A for the in- property. creased costs you incur due to the enforcement of any ordinance or law which SECTION I – PERILS INSURED AGAINST requires or regulates: A. Coverage A – Dwelling And Coverage B – (1) The construction, demolition, remodel- Other Structures ing, renovation or repair of that part of a covered building or other structure 1. We insure against risk of direct physical loss to damaged by a Peril Insured Against; property described in Coverages A and B. (2) The demolition and reconstruction of the 2. We do not insure, however, for loss: undamaged part of a covered building a. Excluded under Section I – Exclusions; or other structure, when that building or b. Involving collapse, except as provided in other structure must be totally demol- E.8. Collapse under Section I – Property ished because of damage by a Peril In- Coverages; or sured Against to another part of that covered building or other structure; or c. Caused by: (3) The remodeling, removal or replace- (1) Freezing of a plumbing, heating, air ment of the portion of the undamaged conditioning or automatic fire protective part of a covered building or other sprinkler system or of a household ap- structure necessary to complete the re- pliance, or by discharge, leakage or modeling, repair or replacement of that overflow from within the system or ap- part of the covered building or other pliance caused by freezing. This provi- structure damaged by a Peril Insured sion does not apply if you have used Against. reasonable care to: (a) Maintain heat in the building; or

Page 8 of 22 Copyright, Insurance Services Office, Inc., 1999 HO 00 03 10 00 (b) Shut off the water supply and drain (b) A storm drain, or water, steam or all systems and appliances of water. sewer pipes, off the "residence However, if the building is protected by premises". an automatic fire protective sprinkler For purposes of this provision, a system, you must use reasonable care plumbing system or household appli- to continue the water supply and main- ance does not include a sump, sump tain heat in the building for coverage to pump or related equipment or a roof apply. drain, gutter, downspout or similar fix- For purposes of this provision a plumb- tures or equipment; or ing system or household appliance does (6) Any of the following: not include a sump, sump pump or re- (a) Wear and tear, marring, deteriora- lated equipment or a roof drain, gutter, tion; downspout or similar fixtures or equipment; (b) Mechanical breakdown, latent defect, inherent vice, or any quality in (2) Freezing, thawing, pressure or weight of property that causes it to damage or water or ice, whether driven by wind or destroy itself; not, to a: (c) Smog, rust or other corrosion, or dry (a) Fence, pavement, patio or swimming rot; pool; (d) Smoke from agricultural smudging or (b) Footing, foundation, bulkhead, wall, industrial operations; or any other structure or device that supports all or part of a building, or (e) Discharge, dispersal, seepage, mi- other structure; gration, release or escape of pollutants unless the discharge, dispersal, (c) Retaining wall or bulkhead that does seepage, migration, release or es- not support all or part of a building or cape is itself caused by a Peril In- other structure; or sured Against named under Cover- (d) Pier, wharf or dock; age C. (3) Theft in or to a dwelling under construc- Pollutants means any solid, liquid, tion, or of materials and supplies for use gaseous or thermal irritant or con- in the construction until the dwelling is taminant, including smoke, vapor, finished and occupied; soot, fumes, acids, alkalis, chemi- (4) Vandalism and malicious mischief, and cals and waste. Waste includes any ensuing loss caused by any inten- materials to be recycled, recondi- tional and wrongful act committed in the tioned or reclaimed; course of the vandalism or malicious (f) Settling, shrinking, bulging or expan- mischief, if the dwelling has been vacant sion, including resultant cracking, of for more than 60 consecutive days im- bulkheads, pavements, patios, foot- mediately before the loss. A dwelling ings, foundations, walls, floors, roofs being constructed is not considered va- or ceilings; cant; (g) Birds, vermin, rodents, or insects; or (5) Mold, fungus or wet rot. However, we do (h) Animals owned or kept by an "in- insure for loss caused by mold, fungus sured". or wet rot that is hidden within the walls or ceilings or beneath the floors or Exception To c.(6) above the ceilings of a structure if such Unless the loss is otherwise excluded, we loss results from the accidental dis- cover loss to property covered under Cov- charge or overflow of water or steam erage A or B resulting from an accidental from within: discharge or overflow of water or steam (a) A plumbing, heating, air conditioning from within a: or automatic fire protective sprinkler (i) Storm drain, or water, steam or sewer system, or a household appliance, pipe, off the "residence premises"; or on the "residence premises"; or

HO 00 03 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 9 of 22 (ii) Plumbing, heating, air conditioning or 6. Vehicles automatic fire protective sprinkler sys- 7. Smoke tem or household appliance on the "residence premises". This includes the This peril means sudden and accidental dam- cost to tear out and replace any part of a age from smoke, including the emission or building, or other structure, on the "resi- puffback of smoke, soot, fumes or vapors from dence premises", but only when neces- a boiler, furnace or related equipment. sary to repair the system or appliance. This peril does not include loss caused by However, such tear out and replace- smoke from agricultural smudging or industrial ment coverage only applies to other operations. structures if the water or steam causes 8. Vandalism Or Malicious Mischief actual damage to a building on the "residence premises". 9. Theft We do not cover loss to the system or ap- a. This peril includes attempted theft and loss pliance from which this water or steam es- of property from a known place when it is caped. likely that the property has been stolen. For purposes of this provision, a plumbing b. This peril does not include loss caused by system or household appliance does not theft: include a sump, sump pump or related (1) Committed by an "insured"; equipment or a roof drain, gutter, down (2) In or to a dwelling under construction, or spout or similar fixtures or equipment. of materials and supplies for use in the Section I – Exclusion A.3. Water Damage, construction until the dwelling is finished Paragraphs a. and c. that apply to surface and occupied; water and water below the surface of the (3) From that part of a "residence premises" ground do not apply to loss by water covered rented by an "insured" to someone other under c.(5) and (6) above. than another "insured"; or Under 2.b. and c. above, any ensuing loss to (4) That occurs off the "residence prem- property described in Coverages A and B not ises" of: precluded by any other provision in this policy is covered. (a) Trailers, semitrailers and campers; B. Coverage C – Personal Property (b) Watercraft of all types, and their furnishings, equipment and outboard We insure for direct physical loss to the property engines or motors; or described in Coverage C caused by any of the following perils unless the loss is excluded in Sec- (c) Property while at any other residence tion I – Exclusions. owned by, rented to, or occupied by an "insured", except while an "in- 1. Fire Or Lightning sured" is temporarily living there. 2. Windstorm Or Hail Property of an "insured" who is a This peril includes loss to watercraft of all types student is covered while at the resi- and their trailers, furnishings, equipment, and dence the student occupies to attend outboard engines or motors, only while inside a school as long as the student has fully enclosed building. been there at any time during the 60 days immediately before the loss. This peril does not include loss to the property contained in a building caused by rain, snow, 10. Falling Objects sleet, sand or dust unless the direct force of This peril does not include loss to property wind or hail damages the building causing an contained in a building unless the roof or an opening in a roof or wall and the rain, snow, outside wall of the building is first damaged by sleet, sand or dust enters through this opening. a falling object. Damage to the falling object it- 3. Explosion self is not included. 4. Riot Or Civil Commotion 11. Weight Of Ice, Snow Or Sleet 5. Aircraft This peril means weight of ice, snow or sleet which causes damage to property contained in This peril includes self-propelled missiles and a building. spacecraft.

Page 10 of 22 Copyright, Insurance Services Office, Inc., 1999 HO 00 03 10 00 12. Accidental Discharge Or Overflow Of Water b. In this peril, a plumbing system or house- Or Steam hold appliance does not include a sump, a. This peril means accidental discharge or sump pump or related equipment or a roof overflow of water or steam from within a drain, gutter, downspout or similar fixtures plumbing, heating, air conditioning or auto- or equipment. matic fire protective sprinkler system or 15. Sudden And Accidental Damage From from within a household appliance. Artificially Generated Electrical Current b. This peril does not include loss: This peril does not include loss to tubes, tran- (1) To the system or appliance from which sistors, electronic components or circuitry that the water or steam escaped; are a part of appliances, fixtures, computers, home entertainment units or other types of (2) Caused by or resulting from freezing electronic apparatus. except as provided in Peril Insured Against 14. Freezing; 16. Volcanic Eruption (3) On the "residence premises" caused by This peril does not include loss caused by accidental discharge or overflow which earthquake, land shock waves or tremors. occurs off the "residence premises"; or (4) Caused by mold, fungus or wet rot un- SECTION I – EXCLUSIONS less hidden within the walls or ceilings A. We do not insure for loss caused directly or indi- or beneath the floors or above the ceil- rectly by any of the following. Such loss is ex- ings of a structure. cluded regardless of any other cause or event c. In this peril, a plumbing system or house- contributing concurrently or in any sequence to the hold appliance does not include a sump, loss. These exclusions apply whether or not the sump pump or related equipment or a roof loss event results in widespread damage or af- drain, gutter, downspout or similar fixtures fects a substantial area. or equipment. 1. Ordinance Or Law d. Section I – Exclusion A.3. Water Damage, Ordinance Or Law means any ordinance or Paragraphs a. and c. that apply to surface law: water and water below the surface of the ground do not apply to loss by water cov- a. Requiring or regulating the construction, ered under this peril. demolition, remodeling, renovation or repair of property, including removal of any re- 13. Sudden And Accidental Tearing Apart, sulting debris. This Exclusion A.1.a. does Cracking, Burning Or Bulging not apply to the amount of coverage that This peril means sudden and accidental tear- may be provided for in E.11. Ordinance Or ing apart, cracking, burning or bulging of a Law under Section I – Property Coverages; steam or hot water heating system, an air con- b. The requirements of which result in a loss ditioning or automatic fire protective sprinkler in value to property; or system, or an appliance for heating water. c. Requiring any "insured" or others to test for, We do not cover loss caused by or resulting monitor, clean up, remove, contain, treat, from freezing under this peril. detoxify or neutralize, or in any way respond 14. Freezing to, or assess the effects of, pollutants. a. This peril means freezing of a plumbing, Pollutants means any solid, liquid, gaseous heating, air conditioning or automatic fire or thermal irritant or contaminant, including protective sprinkler system or of a house- smoke, vapor, soot, fumes, acids, alkalis, hold appliance but only if you have used chemicals and waste. Waste includes ma- reasonable care to: terials to be recycled, reconditioned or re- (1) Maintain heat in the building; or claimed. (2) Shut off the water supply and drain all This Exclusion A.1. applies whether or not the systems and appliances of water. property has been physically damaged. However, if the building is protected by an 2. Earth Movement automatic fire protective sprinkler system, Earth Movement means: you must use reasonable care to continue a. Earthquake, including land shock waves or the water supply and maintain heat in the tremors before, during or after a volcanic building for coverage to apply. eruption;

HO 00 03 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 11 of 22 b. Landslide, mudslide or mudflow; Discharge of a nuclear weapon will be deemed c. Subsidence or sinkhole; or a warlike act even if accidental. d. Any other earth movement including earth 7. Nuclear Hazard sinking, rising or shifting; This Exclusion A.7. pertains to Nuclear Hazard caused by or resulting from human or animal to the extent set forth in M. Nuclear Hazard forces or any act of nature unless direct loss by Clause under Section I – Conditions. fire or explosion ensues and then we will pay 8. Intentional Loss only for the ensuing loss. Intentional Loss means any loss arising out of This Exclusion A.2. does not apply to loss by any act an "insured" commits or conspires to theft. commit with the intent to cause a loss. 3. Water Damage In the event of such loss, no "insured" is enti- Water Damage means: tled to coverage, even "insureds" who did not commit or conspire to commit the act causing a. Flood, surface water, waves, tidal water, the loss. overflow of a body of water, or spray from any of these, whether or not driven by wind; 9. Governmental Action b. Water or water-borne material which backs Governmental Action means the destruction, up through sewers or drains or which over- confiscation or seizure of property described in flows or is discharged from a sump, sump Coverage A, B or C by order of any govern- pump or related equipment; or mental or public authority. c. Water or water-borne material below the This exclusion does not apply to such acts or- surface of the ground, including water dered by any governmental or public authority which exerts pressure on or seeps or leaks that are taken at the time of a fire to prevent its through a building, sidewalk, driveway, spread, if the loss caused by fire would be foundation, swimming pool or other struc- covered under this policy. ture; B. We do not insure for loss to property described in caused by or resulting from human or animal Coverages A and B caused by any of the follow- forces or any act of nature. ing. However, any ensuing loss to property described in Coverages A and B not precluded by Direct loss by fire, explosion or theft resulting any other provision in this policy is covered. from water damage is covered. 1. Weather conditions. However, this exclusion 4. Power Failure only applies if weather conditions contribute in Power Failure means the failure of power or any way with a cause or event excluded in A. other utility service if the failure takes place off above to produce the loss. the "residence premises". But if the failure re- 2. Acts or decisions, including the failure to act or sults in a loss, from a Peril Insured Against on decide, of any person, group, organization or the "residence premises", we will pay for the governmental body. loss caused by that peril. 3. Faulty, inadequate or defective: 5. Neglect a. Planning, zoning, development, surveying, Neglect means neglect of an "insured" to use siting; all reasonable means to save and preserve property at and after the time of a loss. b. Design, specifications, workmanship, repair, construction, renovation, remodeling, 6. War grading, compaction; War includes the following and any conse- c. Materials used in repair, construction, reno- quence of any of the following: vation or remodeling; or a. Undeclared war, civil war, insurrection, d. Maintenance; rebellion or revolution; of part or all of any property whether on or off b. Warlike act by a military force or military the "residence premises". personnel; or c. Destruction, seizure or use for a military purpose.

Page 12 of 22 Copyright, Insurance Services Office, Inc., 1999 HO 00 03 10 00 SECTION I – CONDITIONS d. Changes in title or occupancy of the prop- A. Insurable Interest And Limit Of Liability erty during the term of the policy; Even if more than one person has an insurable e. Specifications of damaged buildings and interest in the property covered, we will not be li- detailed repair estimates; able in any one loss: f. The inventory of damaged personal prop- 1. To an "insured" for more than the amount of erty described in 6. above; such "insured's" interest at the time of loss; or g. Receipts for additional living expenses 2. For more than the applicable limit of liability. incurred and records that support the fair rental value loss; and B. Duties After Loss h. Evidence or affidavit that supports a claim In case of a loss to covered property, we have no under E.6. Credit Card, Electronic Fund duty to provide coverage under this policy if the Transfer Card Or Access Device, Forgery failure to comply with the following duties is preju- And Counterfeit Money under Section I – dicial to us. These duties must be performed ei- Property Coverages, stating the amount ther by you, an "insured" seeking coverage, or a and cause of loss. representative of either: C. Loss Settlement 1. Give prompt notice to us or our agent; In this Condition C., the terms "cost to repair or 2. Notify the police in case of loss by theft; replace" and "replacement cost" do not include the 3. Notify the credit card or electronic fund transfer increased costs incurred to comply with the en- card or access device company in case of loss forcement of any ordinance or law, except to the as provided for in E.6. Credit Card, Electronic extent that coverage for these increased costs is Fund Transfer Card Or Access Device, For- provided in E.11. Ordinance Or Law under Section gery And Counterfeit Money under Section I – I – Property Coverages. Covered property losses Property Coverages; are settled as follows: 4. Protect the property from further damage. If 1. Property of the following types: repairs to the property are required, you must: a. Personal property; a. Make reasonable and necessary repairs to b. Awnings, carpeting, household appliances, protect the property; and outdoor antennas and outdoor equipment, b. Keep an accurate record of repair ex- whether or not attached to buildings; penses; c. Structures that are not buildings; and 5. Cooperate with us in the investigation of a d. Grave markers, including mausoleums; claim; at actual cash value at the time of loss but not 6. Prepare an inventory of damaged personal more than the amount required to repair or re- property showing the quantity, description, ac- place. tual cash value and amount of loss. Attach all bills, receipts and related documents that jus- 2. Buildings covered under Coverage A or B at tify the figures in the inventory; replacement cost without deduction for depreciation, subject to the following: 7. As often as we reasonably require: a. If, at the time of loss, the amount of insur- a. Show the damaged property; ance in this policy on the damaged building b. Provide us with records and documents we is 80% or more of the full replacement cost request and permit us to make copies; and of the building immediately before the loss, c. Submit to examination under oath, while not we will pay the cost to repair or replace, af- in the presence of another "insured", and ter application of any deductible and without sign the same; deduction for depreciation, but not more than the least of the following amounts: 8. Send to us, within 60 days after our request, your signed, sworn proof of loss which sets (1) The limit of liability under this policy that forth, to the best of your knowledge and belief: applies to the building; a. The time and cause of loss; (2) The replacement cost of that part of the building damaged with material of like b. The interests of all "insureds" and all others kind and quality and for like use; or in the property involved and all liens on the property; (3) The necessary amount actually spent to repair or replace the damaged building. c. Other insurance which may cover the loss;

HO 00 03 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 13 of 22 If the building is rebuilt at a new premises, e. You may disregard the replacement cost the cost described in (2) above is limited to loss settlement provisions and make claim the cost which would have been incurred if under this policy for loss to buildings on an the building had been built at the original actual cash value basis. You may then premises. make claim for any additional liability ac- b. If, at the time of loss, the amount of insur- cording to the provisions of this Condition ance in this policy on the damaged building C. Loss Settlement, provided you notify us is less than 80% of the full replacement of your intent to do so within 180 days after cost of the building immediately before the the date of loss. loss, we will pay the greater of the following D. Loss To A Pair Or Set amounts, but not more than the limit of li- In case of loss to a pair or set we may elect to: ability under this policy that applies to the building: 1. Repair or replace any part to restore the pair or set to its value before the loss; or (1) The actual cash value of that part of the building damaged; or 2. Pay the difference between actual cash value of the property before and after the loss. (2) That proportion of the cost to repair or replace, after application of any deducti- E. Appraisal ble and without deduction for deprecia- If you and we fail to agree on the amount of loss, tion, that part of the building damaged, either may demand an appraisal of the loss. In this which the total amount of insurance in event, each party will choose a competent and im- this policy on the damaged building partial appraiser within 20 days after receiving a bears to 80% of the replacement cost of written request from the other. The two appraisers the building. will choose an umpire. If they cannot agree upon c. To determine the amount of insurance an umpire within 15 days, you or we may request required to equal 80% of the full replace- that the choice be made by a judge of a court of ment cost of the building immediately be- record in the state where the "residence premises" fore the loss, do not include the value of: is located. The appraisers will separately set the amount of loss. If the appraisers submit a written (1) Excavations, footings, foundations, report of an agreement to us, the amount agreed piers, or any other structures or devices upon will be the amount of loss. If they fail to that support all or part of the building, agree, they will submit their differences to the um- which are below the undersurface of the pire. A decision agreed to by any two will set the lowest basement floor; amount of loss. (2) Those supports described in (1) above Each party will: which are below the surface of the ground inside the foundation walls, if 1. Pay its own appraiser; and there is no basement; and 2. Bear the other expenses of the appraisal and (3) Underground flues, pipes, wiring and umpire equally. drains. F. Other Insurance And Service Agreement d. We will pay no more than the actual cash If a loss covered by this policy is also covered by: value of the damage until actual repair or 1. Other insurance, we will pay only the proportion replacement is complete. Once actual re- of the loss that the limit of liability that applies pair or replacement is complete, we will under this policy bears to the total amount of settle the loss as noted in 2.a. and b. insurance covering the loss; or above. 2. A service agreement, this insurance is excess However, if the cost to repair or replace the over any amounts payable under any such damage is both: agreement. Service agreement means a serv- (1) Less than 5% of the amount of insur- ice plan, property restoration plan, home war- ance in this policy on the building; and ranty or other similar service warranty agree- (2) Less than $2,500; ment, even if it is characterized as insurance. we will settle the loss as noted in 2.a. and G. Suit Against Us b. above whether or not actual repair or re- No action can be brought against us unless there placement is complete. has been full compliance with all of the terms under Section I of this policy and the action is started within two years after the date of loss.

Page 14 of 22 Copyright, Insurance Services Office, Inc., 1999 HO 00 03 10 00 H. Our Option b. At our option, we may pay to the mortgagee If we give you written notice within 30 days after the whole principal on the mortgage plus we receive your signed, sworn proof of loss, we any accrued interest. In this event, we will may repair or replace any part of the damaged receive a full assignment and transfer of the property with material or property of like kind and mortgage and all securities held as collat- quality. eral to the mortgage debt. I. Loss Payment 5. Subrogation will not impair the right of the mortgagee to recover the full amount of the We will adjust all losses with you. We will pay you mortgagee's claim. unless some other person is named in the policy or is legally entitled to receive payment. Loss will L. No Benefit To Bailee be payable 60 days after we receive your proof of We will not recognize any assignment or grant any loss and: coverage that benefits a person or organization 1. Reach an agreement with you; holding, storing or moving property for a fee regardless of any other provision of this policy. 2. There is an entry of a final judgment; or M. Nuclear Hazard Clause 3. There is a filing of an appraisal award with us. 1. "Nuclear Hazard" means any nuclear reaction, J. Abandonment Of Property radiation, or radioactive contamination, all We need not accept any property abandoned by whether controlled or uncontrolled or however an "insured". caused, or any consequence of any of these. K. Mortgage Clause 2. Loss caused by the nuclear hazard will not be 1. If a mortgagee is named in this policy, any loss considered loss caused by fire, explosion, or payable under Coverage A or B will be paid to smoke, whether these perils are specifically the mortgagee and you, as interests appear. If named in or otherwise included within the Per- more than one mortgagee is named, the order ils Insured Against. of payment will be the same as the order of 3. This policy does not apply under Section I to precedence of the mortgages. loss caused directly or indirectly by nuclear 2. If we deny your claim, that denial will not apply hazard, except that direct loss by fire resulting to a valid claim of the mortgagee, if the mort- from the nuclear hazard is covered. gagee: N. Recovered Property a. Notifies us of any change in ownership, If you or we recover any property for which we occupancy or substantial change in risk of have made payment under this policy, you or we which the mortgagee is aware; will notify the other of the recovery. At your option, b. Pays any premium due under this policy on the property will be returned to or retained by you demand if you have neglected to pay the or it will become our property. If the recovered premium; and property is returned to or retained by you, the loss payment will be adjusted based on the amount you c. Submits a signed, sworn statement of loss received for the recovered property. within 60 days after receiving notice from us of your failure to do so. Paragraphs E. Ap- O. Volcanic Eruption Period praisal, G. Suit Against Us and I. Loss One or more volcanic eruptions that occur within a Payment under Section I – Conditions also 72 hour period will be considered as one volcanic apply to the mortgagee. eruption. 3. If we decide to cancel or not to renew this P. Policy Period policy, the mortgagee will be notified at least 10 This policy applies only to loss which occurs dur- days before the date cancellation or nonrene- ing the policy period. wal takes effect. Q. Concealment Or Fraud 4. If we pay the mortgagee for any loss and deny payment to you: We provide coverage to no "insureds" under this policy if, whether before or after a loss, an "in- a. We are subrogated to all the rights of the sured" has: mortgagee granted under the mortgage on the property; or 1. Intentionally concealed or misrepresented any material fact or circumstance;

HO 00 03 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 15 of 22 2. Engaged in fraudulent conduct; or SECTION II – EXCLUSIONS 3. Made false statements; A. "Motor Vehicle Liability" relating to this insurance. 1. Coverages E and F do not apply to any "motor R. Loss Payable Clause vehicle liability" if, at the time and place of an "occurrence", the involved "motor vehicle": If the Declarations show a loss payee for certain listed insured personal property, the definition of a. Is registered for use on public roads or "insured" is changed to include that loss payee property; with respect to that property. b. Is not registered for use on public roads or If we decide to cancel or not renew this policy, that property, but such registration is required by loss payee will be notified in writing. a law, or regulation issued by a government agency, for it to be used at the place of the "occurrence"; or SECTION II – LIABILITY COVERAGES c. Is being: A. Coverage E – Personal Liability (1) Operated in, or practicing for, any prear- If a claim is made or a suit is brought against an ranged or organized race, speed contest "insured" for damages because of "bodily injury" or or other competition; "property damage" caused by an "occurrence" to (2) Rented to others; which this coverage applies, we will: (3) Used to carry persons or cargo for a 1. Pay up to our limit of liability for the damages charge; or for which an "insured" is legally liable. Dam- ages include prejudgment interest awarded (4) Used for any "business" purpose except against an "insured"; and for a motorized golf cart while on a golfing facility. 2. Provide a defense at our expense by counsel of our choice, even if the suit is groundless, 2. If Exclusion A.1. does not apply, there is still no false or fraudulent. We may investigate and coverage for "motor vehicle liability" unless the settle any claim or suit that we decide is ap- "motor vehicle" is: propriate. Our duty to settle or defend ends a. In dead storage on an "insured location"; when our limit of liability for the "occurrence" b. Used solely to service an "insured's" resi- has been exhausted by payment of a judgment dence; or settlement. c. Designed to assist the handicapped and, at B. Coverage F – Medical Payments To Others the time of an "occurrence", it is: We will pay the necessary medical expenses that (1) Being used to assist a handicapped are incurred or medically ascertained within three person; or years from the date of an accident causing "bodily injury". Medical expenses means reasonable (2) Parked on an "insured location"; charges for medical, surgical, x-ray, dental, am- d. Designed for recreational use off public bulance, hospital, professional nursing, prosthetic roads and: devices and funeral services. This coverage does (1) Not owned by an "insured"; or not apply to you or regular residents of your household except "residence employees". As to (2) Owned by an "insured" provided the others, this coverage applies only: "occurrence" takes place on an "insured location" as defined in Definitions B. 1. To a person on the "insured location" with the 6.a., b., d., e. or h.; or permission of an "insured"; or e. A motorized golf cart that is owned by an 2. To a person off the "insured location", if the "insured", designed to carry up to 4 per- "bodily injury": sons, not built or modified after manufac- a. Arises out of a condition on the "insured ture to exceed a speed of 25 miles per hour location" or the ways immediately adjoining; on level ground and, at the time of an "oc- b. Is caused by the activities of an "insured"; currence", is within the legal boundaries of: c. Is caused by a "residence employee" in the (1) A golfing facility and is parked or stored course of the "residence employee's" em- there, or being used by an "insured" to: ployment by an "insured"; or (a) Play the game of golf or for other d. Is caused by an animal owned by or in the recreational or leisure activity al- care of an "insured". lowed by the facility;

Page 16 of 22 Copyright, Insurance Services Office, Inc., 1999 HO 00 03 10 00 (b) Travel to or from an area where (d) More than 25 horsepower if the "motor vehicles" or golf carts are outboard engine or motor is owned parked or stored; or by an "insured" who acquired it be- (c) Cross public roads at designated fore the policy period, but only if: points to access other parts of the (i) You declare them at policy incep- golfing facility; or tion; or (2) A private residential community, includ- (ii) Your intent to insure them is ing its public roads upon which a mo- reported to us in writing within 45 torized golf cart can legally travel, which days after you acquire them. is subject to the authority of a property The coverages in (c) and (d) above ap- owners association and contains an "in- ply for the policy period. sured's" residence. Horsepower means the maximum power B. "Watercraft Liability" rating assigned to the engine or motor by 1. Coverages E and F do not apply to any "water- the manufacturer. craft liability" if, at the time of an "occurrence", C. "Aircraft Liability" the involved watercraft is being: This policy does not cover "aircraft liability". a. Operated in, or practicing for, any prear- ranged or organized race, speed contest or D. "Hovercraft Liability" other competition. This exclusion does not This policy does not cover "hovercraft liability". apply to a sailing vessel or a predicted log E. Coverage E – Personal Liability And Coverage cruise; F – Medical Payments To Others b. Rented to others; Coverages E and F do not apply to the following: c. Used to carry persons or cargo for a 1. Expected Or Intended Injury charge; or "Bodily injury" or "property damage" which is d. Used for any "business" purpose. expected or intended by an "insured" even if 2. If Exclusion B.1. does not apply, there is still no the resulting "bodily injury" or "property dam- coverage for "watercraft liability" unless, at the age": time of the "occurrence", the watercraft: a. Is of a different kind, quality or degree than a. Is stored; initially expected or intended; or b. Is a sailing vessel, with or without auxiliary b. Is sustained by a different person, entity, power, that is: real or personal property, than initially ex- (1) Less than 26 feet in overall length; or pected or intended. (2) 26 feet or more in overall length and not However, this Exclusion E.1. does not apply to owned by or rented to an "insured"; or "bodily injury" resulting from the use of reasonable force by an "insured" to protect persons or c. Is not a sailing vessel and is powered by: property; (1) An inboard or inboard-outdrive engine or 2. "Business" motor, including those that power a water jet pump, of: a. "Bodily injury" or "property damage" arising out of or in connection with a "business" (a) 50 horsepower or less and not conducted from an "insured location" or en- owned by an "insured"; or gaged in by an "insured", whether or not the (b) More than 50 horsepower and not "business" is owned or operated by an "in- owned by or rented to an "insured"; sured" or employs an "insured". or This Exclusion E.2. applies but is not lim- (2) One or more outboard engines or mo- ited to an act or omission, regardless of its tors with: nature or circumstance, involving a service (a) 25 total horsepower or less; or duty rendered, promised, owed, or implied to be provided because of the nature (b) More than 25 horsepower if the of the "business". outboard engine or motor is not owned by an "insured"; b. This Exclusion E.2. does not apply to: (c) More than 25 horsepower if the (1) The rental or holding for rental of an outboard engine or motor is owned "insured location"; by an "insured" who acquired it during the policy period; or

HO 00 03 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 17 of 22 (a) On an occasional basis if used only 8. Controlled Substance as a residence; "Bodily injury" or "property damage" arising out (b) In part for use only as a residence, of the use, sale, manufacture, delivery, transfer unless a single family unit is in- or possession by any person of a Controlled tended for use by the occupying Substance as defined by the Federal Food and family to lodge more than two room- Drug Law at 21 U.S.C.A. Sections 811 and ers or boarders; or 812. Controlled Substances include but are not (c) In part, as an office, school, studio or limited to cocaine, LSD, marijuana and all nar- private garage; and cotic drugs. However, this exclusion does not apply to the legitimate use of prescription drugs (2) An "insured" under the age of 21 years by a person following the orders of a licensed involved in a part-time or occasional, physician. self-employed "business" with no employees; Exclusions A. "Motor Vehicle Liability", B. "Water- craft Liability", C. "Aircraft Liability", D. "Hovercraft 3. Professional Services Liability" and E.4. "Insured's" Premises Not An "In- "Bodily injury" or "property damage" arising out sured Location" do not apply to "bodily injury" to a of the rendering of or failure to render profes- "residence employee" arising out of and in the sional services; course of the "residence employee's" employment 4. "Insured's" Premises Not An "Insured by an "insured". Location" F. Coverage E – Personal Liability "Bodily injury" or "property damage" arising out Coverage E does not apply to: of a premises: 1. Liability: a. Owned by an "insured"; a. For any loss assessment charged against b. Rented to an "insured"; or you as a member of an association, corpo- c. Rented to others by an "insured"; ration or community of property owners, except as provided in D. Loss Assessment that is not an "insured location"; under Section II – Additional Coverages; 5. War b. Under any contract or agreement entered "Bodily injury" or "property damage" caused di- into by an "insured". However, this exclu- rectly or indirectly by war, including the follow- sion does not apply to written contracts: ing and any consequence of any of the follow- (1) That directly relate to the ownership, ing: maintenance or use of an "insured loca- a. Undeclared war, civil war, insurrection, tion"; or rebellion or revolution; (2) Where the liability of others is assumed b. Warlike act by a military force or military by you prior to an "occurrence"; personnel; or unless excluded in a. above or elsewhere in c. Destruction, seizure or use for a military this policy; purpose. 2. "Property damage" to property owned by an Discharge of a nuclear weapon will be deemed "insured". This includes costs or expenses in- a warlike act even if accidental; curred by an "insured" or others to repair, replace, enhance, restore or maintain such prop- 6. Communicable Disease erty to prevent injury to a person or damage to "Bodily injury" or "property damage" which property of others, whether on or away from an arises out of the transmission of a communi- "insured location"; cable disease by an "insured"; 3. "Property damage" to property rented to, occu- 7. Sexual Molestation, Corporal Punishment pied or used by or in the care of an "insured". Or Physical Or Mental Abuse This exclusion does not apply to "property "Bodily injury" or "property damage" arising out damage" caused by fire, smoke or explosion; of sexual molestation, corporal punishment or 4. "Bodily injury" to any person eligible to receive physical or mental abuse; or any benefits voluntarily provided or required to be provided by an "insured" under any: a. Workers' compensation law;

Page 18 of 22 Copyright, Insurance Services Office, Inc., 1999 HO 00 03 10 00 b. Non-occupational disability law; or SECTION II – ADDITIONAL COVERAGES c. Occupational disease law; We cover the following in addition to the limits of 5. "Bodily injury" or "property damage" for which liability: an "insured" under this policy: A. Claim Expenses a. Is also an insured under a nuclear energy We pay: liability policy issued by the: 1. Expenses we incur and costs taxed against an (1) Nuclear Energy Liability Insurance As- "insured" in any suit we defend; sociation; 2. Premiums on bonds required in a suit we de- (2) Mutual Atomic Energy Liability Under- fend, but not for bond amounts more than the writers; Coverage E limit of liability. We need not apply (3) Nuclear Insurance Association of Can- for or furnish any bond; ada; 3. Reasonable expenses incurred by an "insured" or any of their successors; or at our request, including actual loss of earnings (but not loss of other income) up to $250 per b. Would be an insured under such a policy day, for assisting us in the investigation or de- but for the exhaustion of its limit of liability; fense of a claim or suit; and or 4. Interest on the entire judgment which accrues 6. "Bodily injury" to you or an "insured" as defined after entry of the judgment and before we pay under Definitions 5.a. or b. or tender, or deposit in court that part of the This exclusion also applies to any claim made judgment which does not exceed the limit of li- or suit brought against you or an "insured": ability that applies. a. To repay; or B. First Aid Expenses b. Share damages with; We will pay expenses for first aid to others in- another person who may be obligated to pay curred by an "insured" for "bodily injury" covered damages because of "bodily injury" to an "in- under this policy. We will not pay for first aid to an sured". "insured". G. Coverage F – Medical Payments To Others C. Damage To Property Of Others Coverage F does not apply to "bodily injury": 1. We will pay, at replacement cost, up to $1,000 per "occurrence" for "property damage" to 1. To a "residence employee" if the "bodily injury": property of others caused by an "insured". a. Occurs off the "insured location"; and 2. We will not pay for "property damage": b. Does not arise out of or in the course of the a. To the extent of any amount recoverable "residence employee's" employment by an under Section I; "insured"; b. Caused intentionally by an "insured" who is 2. To any person eligible to receive benefits vol- 13 years of age or older; untarily provided or required to be provided under any: c. To property owned by an "insured"; a. Workers' compensation law; d. To property owned by or rented to a tenant of an "insured" or a resident in your house- b. Non-occupational disability law; or hold; or c. Occupational disease law; e. Arising out of: 3. From any: (1) A "business" engaged in by an "in- a. Nuclear reaction; sured"; b. Nuclear radiation; or (2) Any act or omission in connection with a premises owned, rented or controlled by c. Radioactive contamination; an "insured", other than the "insured lo- all whether controlled or uncontrolled or how- cation"; or ever caused; or (3) The ownership, maintenance, occu- d. Any consequence of any of these; or pancy, operation, use, loading or un- 4. To any person, other than a "residence em- loading of aircraft, hovercraft, watercraft ployee" of an "insured", regularly residing on or "motor vehicles". any part of the "insured location".

HO 00 03 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 19 of 22 This exclusion e.(3) does not apply to a SECTION II – CONDITIONS "motor vehicle" that: A. Limit Of Liability (a) Is designed for recreational use off Our total liability under Coverage E for all dam- public roads; ages resulting from any one "occurrence" will not (b) Is not owned by an "insured"; and be more than the Coverage E limit of liability (c) At the time of the "occurrence", is shown in the Declarations. This limit is the same not required by law, or regulation is- regardless of the number of "insureds", claims sued by a government agency, to made or persons injured. All "bodily injury" and have been registered for it to be "property damage" resulting from any one accident used on public roads or property. or from continuous or repeated exposure to substantially the same general harmful conditions D. Loss Assessment shall be considered to be the result of one "occur- 1. We will pay up to $1,000 for your share of loss rence". assessment charged against you, as owner or Our total liability under Coverage F for all medical tenant of the "residence premises", during the expense payable for "bodily injury" to one person policy period by a corporation or association of as the result of one accident will not be more than property owners, when the assessment is the Coverage F limit of liability shown in the Decla- made as a result of: rations. a. "Bodily injury" or "property damage" not B. Severability Of Insurance excluded from coverage under Section II – Exclusions; or This insurance applies separately to each "insured". This condition will not increase our limit of b. Liability for an act of a director, officer or liability for any one "occurrence". trustee in the capacity as a director, officer or trustee, provided such person: C. Duties After "Occurrence" (1) Is elected by the members of a corpora- In case of an "occurrence", you or another "in- tion or association of property owners; sured" will perform the following duties that apply. and We have no duty to provide coverage under this policy if your failure to comply with the following (2) Serves without deriving any income duties is prejudicial to us. You will help us by see- from the exercise of duties which are ing that these duties are performed: solely on behalf of a corporation or association of property owners. 1. Give written notice to us or our agent as soon as is practical, which sets forth: 2. Paragraph I. Policy Period under Section II – Conditions does not apply to this Loss As- a. The identity of the policy and the "named sessment Coverage. insured" shown in the Declarations; 3. Regardless of the number of assessments, the b. Reasonably available information on the limit of $1,000 is the most we will pay for loss time, place and circumstances of the "oc- arising out of: currence"; and a. One accident, including continuous or re- c. Names and addresses of any claimants peated exposure to substantially the same and witnesses; general harmful condition; or 2. Cooperate with us in the investigation, settle- b. A covered act of a director, officer or trus- ment or defense of any claim or suit; tee. An act involving more than one direc- 3. Promptly forward to us every notice, demand, tor, officer or trustee is considered to be a summons or other process relating to the "oc- single act. currence"; 4. We do not cover assessments charged against 4. At our request, help us: you or a corporation or association of property a. To make settlement; owners by any governmental body. b. To enforce any right of contribution or indemnity against any person or organization who may be liable to an "insured";

Page 20 of 22 Copyright, Insurance Services Office, Inc., 1999 HO 00 03 10 00 c. With the conduct of suits and attend hear- J. Concealment Or Fraud ings and trials; and We do not provide coverage to an "insured" who, d. To secure and give evidence and obtain the whether before or after a loss, has: attendance of witnesses; 1. Intentionally concealed or misrepresented any 5. With respect to C. Damage To Property Of material fact or circumstance; Others under Section II – Additional Cover- 2. Engaged in fraudulent conduct; or ages, submit to us within 60 days after the loss, a sworn statement of loss and show the 3. Made false statements; damaged property, if in an "insured's" control; relating to this insurance. 6. No "insured" shall, except at such "insured's" own cost, voluntarily make payment, assume SECTIONS I AND II – CONDITIONS obligation or incur expense other than for first aid to others at the time of the "bodily injury". A. Liberalization Clause D. Duties Of An Injured Person – Coverage F – If we make a change which broadens coverage Medical Payments To Others under this edition of our policy without additional premium charge, that change will automatically 1. The injured person or someone acting for the apply to your insurance as of the date we imple- injured person will: ment the change in your state, provided that this a. Give us written proof of claim, under oath if implementation date falls within 60 days prior to or required, as soon as is practical; and during the policy period stated in the Declarations. b. Authorize us to obtain copies of medical This Liberalization Clause does not apply to reports and records. changes implemented with a general program re- 2. The injured person will submit to a physical vision that includes both broadenings and restric- exam by a doctor of our choice when and as tions in coverage, whether that general program often as we reasonably require. revision is implemented through introduction of: E. Payment Of Claim – Coverage F – Medical 1. A subsequent edition of this policy; or Payments To Others 2. An amendatory endorsement. Payment under this coverage is not an admission B. Waiver Or Change Of Policy Provisions of liability by an "insured" or us. A waiver or change of a provision of this policy F. Suit Against Us must be in writing by us to be valid. Our request 1. No action can be brought against us unless for an appraisal or examination will not waive any there has been full compliance with all of the of our rights. terms under this Section II. C. Cancellation 2. No one will have the right to join us as a party 1. You may cancel this policy at any time by re- to any action against an "insured". turning it to us or by letting us know in writing of 3. Also, no action with respect to Coverage E can the date cancellation is to take effect. be brought against us until the obligation of 2. We may cancel this policy only for the reasons such "insured" has been determined by final stated below by letting you know in writing of judgment or agreement signed by us. the date cancellation takes effect. This can- G. Bankruptcy Of An "Insured" cellation notice may be delivered to you, or mailed to you at your mailing address shown in Bankruptcy or insolvency of an "insured" will not the Declarations. Proof of mailing will be suffi- relieve us of our obligations under this policy. cient proof of notice. H. Other Insurance a. When you have not paid the premium, we This insurance is excess over other valid and col- may cancel at any time by letting you know lectible insurance except insurance written specifi- at least 10 days before the date cancella- cally to cover as excess over the limits of liability tion takes effect. that apply in this policy. b. When this policy has been in effect for less I. Policy Period than 60 days and is not a renewal with us, This policy applies only to "bodily injury" or "prop- we may cancel for any reason by letting you erty damage" which occurs during the policy pe- know at least 10 days before the date can- riod. cellation takes effect.

HO 00 03 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 21 of 22 c. When this policy has been in effect for 60 E. Assignment days or more, or at any time if it is a re- Assignment of this policy will not be valid unless newal with us, we may cancel: we give our written consent. (1) If there has been a material misrepre- F. Subrogation sentation of fact which if known to us would have caused us not to issue the An "insured" may waive in writing before a loss all policy; or rights of recovery against any person. If not waived, we may require an assignment of rights of (2) If the risk has changed substantially recovery for a loss to the extent that payment is since the policy was issued. made by us. This can be done by letting you know at If an assignment is sought, an "insured" must sign least 30 days before the date cancellation and deliver all related papers and cooperate with takes effect. us. d. When this policy is written for a period of Subrogation does not apply to Coverage F or more than one year, we may cancel for any Paragraph C. Damage To Property Of Others un- reason at anniversary by letting you know at der Section II – Additional Coverages. least 30 days before the date cancellation takes effect. G. Death 3. When this policy is canceled, the premium for If any person named in the Declarations or the the period from the date of cancellation to the spouse, if a resident of the same household, dies, expiration date will be refunded pro rata. the following apply: 4. If the return premium is not refunded with the 1. We insure the legal representative of the de- notice of cancellation or when this policy is re- ceased but only with respect to the premises turned to us, we will refund it within a reason- and property of the deceased covered under able time after the date cancellation takes ef- the policy at the time of death; and fect. 2. "Insured" includes: D. Nonrenewal a. An "insured" who is a member of your We may elect not to renew this policy. We may do household at the time of your death, but so by delivering to you, or mailing to you at your only while a resident of the "residence mailing address shown in the Declarations, written premises"; and notice at least 30 days before the expiration date b. With respect to your property, the person of this policy. Proof of mailing will be sufficient having proper temporary custody of the proof of notice. property until appointment and qualification of a legal representative.

Page 22 of 22 Copyright, Insurance Services Office, Inc., 1999 HO 00 03 10 00

HOMEOWNERS HO 04 10 04 91

ADDITIONAL INTERESTS Residence Premises

In addition to the Mortgagee(s) shown in the Declarations or elsewhere in this policy, the following persons or organizations also have an interest in the "residence premises:" 1. Name: Address: Description of Interest: Effective Date of Interest: (Optional) 2. Name: Address: Description of Interest: Effective Date of Interest: (Optional) CANCELLATION AND NON-RENEWAL NOTIFICATION If we decide to cancel or not to renew this policy, the parties named above will be notified in writing. All other provisions of this policy apply.

HO 04 10 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 1 of 1

PREMISES ALARM OR FIRE PROTECTION SYSTEM

HO 04 16 04 91

For a premium credit, we acknowledge the installation of an alarm system or automatic sprinkler system approved by us on the residence premises. You agree to maintain this system in working order and to notify us promptly of any change made to the system or if it is removed.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

THEFT COVERAGE INCREASE Form HO 00 08

For an additional premium, under Section I – Perils The coverage in 9.b. above, for loss caused by theft Insured Against Peril 9. Theft is deleted and that occurs off the “residence premises” does not replaced by the following: include: 9. Theft, including attempted theft and loss of a. Property while at any other residence property from a known place on the owned, rented to, or occupied by an “residence premises” when it is likely that “insured”, except while an “insured” is the property has been stolen. temporarily living there. Property of a student who is an “insured” is covered while Personal property contained in any bank, at a residence away from home if the trust or safe deposit company or public student has been there at any time during warehouse will be considered on the the 45 days immediately before the loss; “residence premises”. b. Watercraft and their furnishings, equipment and outboard engines or motors; or a. Our liability in any one loss caused by c. Trailers and campers. theft will not be more than $ .* This peril does not include loss caused by theft that COVERAGE C PERSONAL PROPERTY – The occurs off the “residence premises” unless a limit of following additional Special Limits of Liability apply to liability is shown for a. and b. covered property on the “residence premises” when b. Our liability in any one loss caused by THEFT COVERAGE INCREASE is purchased as theft off the “residence premises” will not shown in 9.a. above: be more than $ .* a. $1,000 for loss by theft of jewelry, watches, This peril does not include loss caused by theft furs, precious and semiprecious stones. a. Committed by an “insured”; b. $2,000 for loss by theft of firearms. b. in or to a dwelling under construction, or c. $2,500 for loss by theft of silverware, silver- of materials and supplies for use in the plated ware, goldware, gold-plated ware and construction until the dwelling is finished pewterware. This includes flatware, and occupied; or hollowware, tea sets, trays and trophies c. From that part of a “residence premises” made of or including silver, gold or pewter. rented by an “insured” to other than an *Entries may be left blank if shown elsewhere in this “insured”. policy for this coverage. All other provisions of this policy apply.

HO 04 30 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 1 of 1 STRUCTURES RENTED TO OTHERS Residence Premises

HO 04 40 04 91

For an additional premium, we cover the following structures on the residence premises rented to or held for rental to any person not a tenant of the dwelling for use as a private residence.

SECTION I

We insure for direct physical loss to these structures caused by the Perils Insured Against for the limit of liability shown below:

Identification of Structures* Limit of Liability*

1. $

2. $

3. $

SECTION II

Under Coverage E - Personal Liability and Coverage F - Medical Payments to Others, the structures listed above are included in the definition of Insured location.

With respect to the structures listed above, Exclusion 1.b(2) under Section II Exclusions - Coverage E - Personal Liability and Coverage F - Medical Payments to Others does not apply.

* Entries may be left blank if shown elsewhere in this policy for this coverage.

All other provisions of this policy apply.

HO 04 41 04 91

ADDITIONAL Name and Address of Person or Organization* INSURED

Residence Premises

Interest*

The definition of “insured” in this policy includes the person or organization named above with respect to:

SECTION I

Coverage A - Dwelling and Coverage B - Other Structures; and

SECTION II

Coverage E - Personal Liability and Coverage F - Medical Payments to Others but only with respect to the “residence premises.”

This coverage does not apply to “bodily injury” to any employee arising out of or in the course of the employee’s employment by the person or organization.

If we decide to cancel or not to renew this policy, the party named above will be notified in writing.

*Entries may be left blank if shown elsewhere in this policy for this coverage.

All other provisions of this policy apply.

HO 04 41 04 91 Copyright, Insurance Services Office

PERMITTED INCIDENTAL OCCUPANCIES Residence Premises HO 04 42 04 91

SECTION II For an additional premium, we cover the following business: (describe)* Exclusions 1.b(1) of Coverage E - Personal Liability and Coverage F - Medical Payments to Others is deleted and the following substituted:

Conducted by an Insured on the residence b. (1) arising out of or in connection with a premises in (check which)* business engaged in by an Insured. This exclusion applies but is not limited ÿ the dwelling as described in the Declara- to an act or omission, regardless of its tions nature or circumstance, involving a service or duty rendered, promised, ÿ an Other Structure (describe)* owed or implied to be provided because of the nature of the business. However, this exclusion does not apply to the subject to the following: necessary or incidental use of the premises to conduct the business SECTION I described above.

1. Coverage B does not apply to the This insurance does not apply to bodily Structure described above. injury to:

We cover the Other Structure described a. any employee of an insured arising out above for direct physical loss by a Peril of the business use described above Insured Against for not more than: other than to a residence employee while engaged in the employee’s Limit of Liability $ * employment by an insured; or

2. Coverage C - Personal Property - Item 9. b. any pupil arising out of corporal Under Special Limits of Liability is punishment administered by or at the deleted and the following substituted: direction of the insured.

9. $2,500 on property, on the residence * Entries may be left blank if shown else- premises, used at any or in any man- where in this policy for this coverage. ner for any business purpose other than furnishings, supplies and equipment of the business described All other provisions of this policy apply. above.

The Coverage C limit of liability applies to property of the business described above.

For an additional premium, we cover each structure described below, on the residence premises, for the additional limit of liability shown for that structure.

The limit shown below is in addition to the amount which is applicable to that described structure under Coverage B, Other Structures.

Each additional limit of liability shown below applies only to that described structure.

Description of Structure* Additional Limit of Liability*

1. 1.

2. 2.

3. 3.

4. 4.

5. 5.

6. 6.

7. 7.

8. 8.

9. 9.

10. 10.

* Entries may be left blank if shown elsewhere in this policy for this coverage.

All other provisions of this policy apply.

THIS CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ACTUAL CASH VALUE LOSS SETTLEMENT

SECTION I – CONDITIONS For the premium charged, Item 3. Loss Settlement is deleted and replaced by the following: 3. Loss Settlement. Covered property losses shall be settled at actual cash value at the time of loss but shall not be settled at more than the amount required to repair or replace.

All other provisions of this policy apply.

HO 04 81 05 96 Copyright, Insurance Services Office, Inc., 1995 Page 1 of 1 HO 04 94 06 97

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WINDSTORM OR HAIL EXCLUSION

1. We do not insure for loss caused directly or indirectly by:

a. The peril of windstorm or hail; or

b. The peril of windstorm during a hurricane.

Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss.

2. Direct loss by fire or explosion resulting from the peril of windstorm or hail, including the peril of windstorm during a hurricane, is covered.

3. Hurricane Described

a. A hurricane means a storm system that has been declared to be a hurricane by the National Weather Service.

b. A hurricane occurrence:

(1) Begins at the time a hurricane watch or warning is issued for any part of Florida by the National Hurricane Center of the National Weather Service; and

(2) Ends 72 hours following the termination of the last hurricane watch or hurricane warning issued for any part of Florida by the National Hurricane Center of the National Weather Service.

ALL OTHER PROVISIONS OF THIS POLICY APPLY

NO SECTION II - LIABILITY COVERAGES FOR HOME DAY CARE BUSINESS LIMITED SECTION I - PROPERTY COVERAGES FOR HOME DAY CARE BUSINESS

If an “insured” regularly provides home day care 3. Limits coverage for property used on the services to a person or persons other than “residence premises” for the home day care “insureds” and receives monetary or other enterprise to $2,500, because Coverage C - compensation for such services, that enterprise is Special Limits of Liability - Item 8. Imposes a “business.” Mutual exchange of home day care that limit on “business” property on the services, however, is not considered “residence premises.” (Item 8. Corresponds compensation. The rendering of home day care to Item 5. In Form HO 00 08.) services by an “insured” to a relative of an “insured” is not considered a “business.” 4. Limits coverage for property used away from the “residence premises” for the home day Therefore, with respect to a home day care care enterprise to $250, because Coverage C enterprise which is considered to be a “business,” - Special Limits of Liability - Item 9. Imposes this policy: that limit on “business” property away from the “residence premises.” Special Limit of 1. Does not provide Section II - Liability Liability item 9. Does not apply to adaptable Coverages because a “business” of an electronic apparatus as described in Special “insured” is excluded under exclusion 1.b. of Limit of Liability items 10. And 11. (Items 9., Section II - Exclusions; 10. And 11. correspond to items 6., 7. And 8. respectively in Form HO 00 08.) 2. Does not provide Section I - Coverage B coverage where other structures are used in whole or in part for “business”;

THIS ENDORSEMENT DOES NOT CONSTITUTE A REDUCTION OF COVERAGE.

HO 04 96 04 91 Copyright, Insurance Services Office THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNIT- OWNERS COVERAGE A Special Coverage Form HO 00 06 Only For an additional premium, the Perils Insured Against j. The settling, shrinking, bulging or expansion, applying to Coverage A are amended as follows: including resultant cracking, of pavements, patios, Perils Insured Against foundations, walls, floors, roofs or ceilings;

We insure against risk of direct loss to property described in k. Birds, vermin, rodents, or insects; or Animals Coverage A, only if that loss is a physical loss to property. owned or kept by an "insured."

However, we do not insure, for losses: l. The constant or repeated seepage or leakage of water or the presence or condensation of 1. Which involve the collapse of your dwelling, other than humidity, moisture or vapor, over a period of as provided in the Additional Coverages ( Collapse). weeks, months or years unless such seepage or leakage of water or the presence or condensation 2. That are caused by the following: of humidity, moisture or vapor and the resulting a. The freezing of a plumbing, heating, air conditioning damage is unknown to all "insureds" and is hidden or automatic fire protective sprinkler system or within the walls or ceilings or beneath the floors or other household appliance. By the discharge, above the ceilings of a structure. leakage or overflow from within a system or If any of the above cause water damage that is not appliance caused by freezing. This exclusion excluded, from a plumbing, heating, air conditioning, applies if the unit is vacant, unoccupied or being automatic fire protective sprinkler system or household constructed. However, this exclusion does not appliance, we will cover the loss caused by the water. apply if you have used reasonable care to: This will include the cost of tearing out and replacing (1) have maintained the heat in the building; or any part of a building necessary to repair the system or (2) you had shut off the water supply and drained appliance. We do not cover the loss to the system or the systems and appliances of their water. appliance from which this water escaped.

3. Excluded under Section I - Exclusions b. Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a: Under items 1. and 2. any ensuing loss to property described in Coverage A, not excluded or excepted in (1) Fence, pavement, patio or swimming pool; this policy, is covered. (2) Foundation, retaining wall, or bulkhead; or (3) Pier, wharf or dock The following exclusions are added to SECTION I – EXCLUSIONS c. Theft in or to a unit under construction, or of materials and supplies for use in the construction We do not insure for loss to property described in until the unit is finished and occupied; Coverage A caused by any of the following. However, any ensuing loss to property described in Coverage A d. From vandalism and/or malicious mischief if the unit not excluded or excepted in this policy is covered. has been vacant for more than 30 consecutive days immediately prior to the loss. A unit under a. Weather conditions. However, this exclusion only construction is not considered vacant; applies if weather conditions contribute in any way e. Wear and tear, marring, deterioration; with a cause or event excluded in SECTION I – EXCLUSIONS, other than exclusions b. and c. f. Inherent vice, latent defect, mechanical breakdown; below, to produce the loss;

g. Smog, rust or other corrosion; b. Acts or decisions, including the failure to act or h. Smoke from agricultural smudging or industrial decide, of any person, group, organization or operations; governmental body;

c. Faulty, inadequate or defective: i. Pollutants that were either discharged, dispersed, seeped, migrated, released or escaped from it’s (1) Planning, zoning, development, surveying, place of containment. If the dispersal, seepage, siting; migration, release or escape from the place of containment was from a covered peril under (2) Design, specifications, workmanship, repair, Coverage C of this policy we will cover the loss. construction, renovation, remodeling, grading, The definition of Pollutants includes the following: compaction;

(1) irritants (i.e. solid, liquid, gaseous or thermal); (3) Materials used in repair, construction, renovation or remodeling; or (2) contaminants (i.e. smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste); and (4) Maintenance; (3) waste is further defined to include materials to be recycled, reconditioned or reclaimed. of part or all of any property whether on or off the “residence premises.”

All other provisions of this policy apply

HO 17 32 04 91R (06-07) Contains Copyrighted material of Insurance Services Office Inc., with its permission. Page 1 of 1 HO 17 33 04 91

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

UNIT-OWNERS RENTAL TO OTHERS

For an additional premium, this coverage b. Securities, accounts, deeds, evidences applies while the “residence premises” is of debt, letters of credit, notes other than regularly rented or held for rental to owners. bank notes, manuscripts, personal records, passports, tickets and stamps regardless of the medium (such as SECTION I paper or computer software) on which the material exists; or Under Coverage C - Personal Property, Property Not Covered, Item 6. Is deleted and c. Jewelry, watches, furs, precious and replaced by the following: semi-precious stones.

6. Property contained in an apartment, other SECTION II than the “residence premises,” regularly rented or held for rental to others by an Exclusion 1.c. of Coverage E - Personal Lia- “insured”; bility and Coverage F - Medical Payments to Others is deleted and replaced by the In the peril of Theft, Exclusion c., “from that following: part of a ‘residence premises’ rented by an “insured” to other than an “insured,” is deleted. c. Arising out of the rental or holding for rental of any part of any premises by an We do not cover loss caused by theft from the “insured.” “residence premises” of: This exclusion does not apply to the a. Money, bank notes, bullion, gold, rental or holding for rental of the goldware, gold-plated ware, silver, “residence premises”; silverware, silver-plated ware, pewterware, platinum, coins and medals; All other provisions of this policy apply.

HO 17 33 04 91 Copyright, Insurance Services Office HO 23 70 06 97

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WINDSTORM EXTERIOR PAINT OR WATERPROOFING EXCLUSION - SEACOAST - FLORIDA

A. EXCLUSION

Coverage for any building or structure under this policy excludes loss caused by:

1. Windstorm or hail; or

2. Windstorm during a hurricane;

to paint or waterproofing material applied to the exterior of the building or structure.

B. Hurricane Described

1. A hurricane means a storm system that has been declared to be a hurricane by the National Hurricane Center of the National Weather Service;

2. A hurricane occurrence:

a. Begins at the time a hurricane watch or warning is issued for any part of Florida by the National Hurricane Center of the National Weather Service; and

b. Ends 72 hours following the termination of the last hurricane watch or hurricane warning issued for any part of Florida by the National Hurricane Center of the National Weather Service.

ALL OTHER PROVISIONS OF THIS POLICY APPLY.

HO 23 70 06 97 Copyright, Insurance Services Office HOMEOWNERS HO 23 74 06 94

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

REPLACEMENT COST LOSS SETTLEMENT ENDORSEMENT Form HO 00 08 Only

For the premium charged, Section I, Condition 3. c. We will pay no more than the actual cash Loss Settlement, is deleted and replaced in Form value of the damage until actual repair or HO 00 08 as follows: replacement is complete. Once actual 3. Loss Settlement. Covered property losses are repair or replacement is complete, we will settled as follows: settle the loss according to the provisions of a. Property of the following types: b. above. (1) Personal property; (2) Awnings, carpeting, household However, if the cost to repair or replace the appliances, outdoor antennas and damage is both: outdoor equipment, whether or not (1) Less than 5% of the amount of attached to buildings; and insurance in this policy on the building; (3) Structures that are not buildings; and at actual cash value at the time of loss but (2) Less than $2500. not more than the amount required to repair we will settle the loss according to the or replace. provisions of b. above whether or not actual b. Buildings under Coverage A or B at repair or replacement is complete. replacement cost without deduction for d. You may disregard the replacement cost depreciation. We will pay no more than the loss settlement provisions and make claim smallest of the following: under this policy for loss or damage to (1) The limit of liability under this policy that buildings on an actual cash value basis. applies to the building; You may than make claim within 180 days (2) The replacement cost of that part of the after loss for any additional liability building damaged for like construction according to the provisions of this Condition and use on the same premises; or 3. Loss Settlement. (3) The necessary amount actually spent to repair or replace the damaged building. All other provisions of this policy apply. .

HO 23 74 06 94 Copyright, Insurance Services Office, Inc., 1994 Page 1 of 1

ATTACH THIS ENDORSEMENT TO YOUR POLICY. SINKHOLE COVERAGE.

PERILS INSURED AGAINST.

(HO3; HO4; HO6; and HO8).

The following peril is added.

Sinkhole Collapse, meaning the collapse or settlement of earth resulting from a sinkhole. Only if there is structural damage to the building from sinkhole activity. a. "Sinkhole" means a landform created by subsidence of soil, sediment, or rock as underlying strata are dissolved by groundwater. A sinkhole may form by collapse into subterranean voids created by dissolution of limestone or dolostone or by subsidence as these strata are dissolved.

b. "Sinkhole loss" means structural damage to the building, including the foundation, caused by sinkhole activity. Contents coverage shall apply only if there is structural damage to the building caused by sinkhole activity.

c. "Sinkhole activity" means settlement or systematic weakening of the earth supporting such property. Only when such settlement or systematic weakening results from movement or raveling of soils, sediments, or rock materials into subterranean voids created by the effect of water on a limestone or similar rock formation.

The Section I - Earth Movement Exclusion does not apply to this peril.

LOSS SETTLEMENT.

The following is added.

(HO3; HO4; HO6 and H08).

If a covered loss resulting from a sinkhole is verified, and the dwelling or personal property is insured on the basis of replacement cost: (1) We may limit our payment to the actual cash value of the sinkhole loss, not including underpinning or grouting, or any other repair technique performed below the existing foundation of the building, until you enter into a contract for the performance of building stabilization or foundation repairs. After you enter into the contract, we will pay the amounts necessary to begin and perform such repairs as the work is performed and the expenses are incurred. We may not require you to advance payment for such repairs.

(2) If the repair has begun and the professional engineer selected or approved by us determines that the repair cannot be completed within the policy limits we must either complete the professional engineer's recommended repair or tender the policy limits. Payment will not be reduced for the repair expenses incurred.

(3) We will pay to stabilize the land and building and repair the foundation in accordance with the recommendations of the professional engineer as provided under statute, and in consultation with you, subject to the coverage and terms of the policy. We will pay for other repairs to the structure in accordance with the terms of the policy. We will pay for contents in accordance with the terms of the policy.

(4) Except as described in Item (2), the amount payable for a covered loss for a sinkhole shall not exceed the applicable limit of liability.

UPCIC 00 07 (07-07) Page 1 of 3

CONDITIONS.

The following is added.

6. Mediation or Appraisal is deleted and replaced by the following. 6. Mediation or Appraisal or Neutral Evaluation. If you and we fail to agree on the amount of loss, either may:

a. For all claims except sinkhole, demand a mediation of the loss in accordance with the rules established by the Florida Insurance Department. The loss amount must be $500 or more, prior to application of the deductible; or there must be a difference of $500 or more between the loss settlement amount we offer and the loss settlement amount that you request. The settlement in the course of the mediation is binding only if both parties agree, in writing, on a settlement and, you have not rescinded the settlement within three (3) business days after reaching settlement. You may not rescind the settlement after cashing or depositing the settlement check or draft we provided to you.

We will pay the cost of conducting any mediation conference except when you fail to appear at a conference. That conference will then be rescheduled upon your payment of the mediator’s fee for that rescheduled conference. However, if we fail to appear at a mediation conference, we will pay your actual cash expenses you incur in attending the conference. We will also pay the mediator’s fee for the rescheduled conference.

b. Following the receipt of the report provided under Section 627.7073, Florida Statutes or our denial of a claim for a sinkhole loss, demand neutral evaluation in accordance with the Florida Stat- utes and the rules established by the Florida Department of Financial Services.

Neutral evaluation is nonbinding, but mandatory if requested by either party. A request for neutral evaluation must be filed with the Florida Department of Financial Services. The request for neutral evaluation must state the reason for the request. The request must include an explanation of all the issues in dispute at the time of the request. Filing a request for neutral evaluation tolls the applicable time requirements for filing suit for a period of 60 days following the conclusion of the neutral evaluation process or five years whichever is later.

Neutral evaluation shall be conducted as an informal process. Formal rules of evidence and procedure need not be observed. A party to neutral evaluation is not required to attend neutral evaluation if a representative of the party attends and has the authority to make a binding decision on behalf of the party.

If the neutral evaluator first verifies the existence of a sinkhole and, second, recommends the need for and estimates costs of stabilizing the land and any covered structures or buildings and other appropriate remediation or structural repairs, which costs exceed the amount that we have offered to pay you, we are liable to you up to $2,500 in attorney's fees for the attorney's participation in the neutral evaluation process. The term "offer to pay" means a written offer signed by the us or our legal representative. It must be delivered to you within 10 days after the we receive notice that a request for neutral evaluation has been made under this section.

If we timely agree in writing to comply and timely comply with the recommendation of the neutral evaluator, but you decline to resolve the matter in accordance with the recommendation of the neutral evaluator pursuant to this section:

(a) We are not liable for extracontractual damages related to a claim for a sinkhole loss but only as related to the issues determined by the neutral evaluation process. This does

UPCIC 00 07 (07-07) Page 2 of 3

not affect or impair claims for extracontractual damages unrelated to the issues determined by the neutral evaluation process contained in this section; and

(b) We are not liable for attorney's fees under s. 627.428 or other provisions of the insurance code unless you obtain a judgment that is more favorable than the recommendation of the neutral evaluator.

We will pay the cost of conducting any Neutral Evaluation. We will not pay the cost of conducting any Neutral Evaluation when you or your representative with the authority to make a binding decision fails to appear at a conference. That conference will then be rescheduled upon your payment of the Neutral Evaluator’s fee for that rescheduled conference. However, if we fail to appear at a Neutral Evaluation conference, we will pay your actual cash expenses you incur in attending the conference. We will also pay the Neutral Evaluator’s fee for the rescheduled conference.

c. Demand an appraisal of the loss. In this event, each party will choose a competent appraiser within twenty (20) days after the receiving of a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within fifteen (15) days, you or we may request that the choice be made by a judge of a court of record in the state where the “described location” is located. The appraisers will separately set the amount of the loss. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of the loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of the loss. Each party will:

(1) Pay its own appraiser; and

(2) Bear the other expenses of the appraisal and umpire equally.

If, however, we demand the mediation and either party rejects the mediation results, you are not required to submit to, or participate in, any appraisal of the loss as a precondition to action against us for failure to pay the loss. ALL OTHER PROVISIONS OF THIS POLICY APPLY.

UPCIC 00 07 (07-07) Page 3 of 3

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ORDINANCE OR LAW • INCREASED AMOUNT OF COVERAGE

For the premium charged, the percentage applied to the Coverage A limit of liability, under Additional Coverage 11., Ordinance or Law, is increased from 25% to the percentage shown below.

New Total Percentage 50%

ALL OTHER PROVISIONS OF THIS POLICY APPLY

UPCIC 01 03 06 07 EDITION Includes copyrighted material of Insurance Services Office, Inc. with its permission Page 1 of 1 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE HOMEOWNERS FORM 3 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SCHEDULE* 1. Section I – Property Coverage Limit of Liability for the Additional Coverage $ Each Covered Loss “Fungi”, Wet or Dry Rot, or Bacteria $ Policy Aggregate 2. Section II – Coverage E Aggregate Sublimit of Liability for “Fungi”, Wet or Dry $ Rot, or Bacteria *Entries may be left blank if shown elsewhere in this policy for this coverage. DEFINITIONS Coverage for all covered losses, regardless of the number of locations insured under this en- The following definition is added: dorsement or number of claims-made. 9. “Fungi” d. If there is covered loss or damage to covered a. “Fungi” means any type or form of fungus, includ- property, not caused, in whole or in part, by ing mold or mildew, and any mycotoxins, spores, “fungi”, wet or dry rot, or bacteria, loss payment scents or by-products or released by fungi. will not be limited by the terms of this Additional b. Under Section II, this does not include any fungi Coverage; except to the extent that “fungi”, wet or that are, are on, or are contained in, a good or dry rot, or bacteria causes an increase in the product intended for consumption. loss. Any such increase in the loss will be sub- SECTION I — PROPERTY COVERAGES ject to the terms of this Additional Coverage. ADDITIONAL COVERAGES This coverage does not increase the limit of liability applying to the damaged covered property. The following Additional Coverage is added: SECTION I – PERILS INSURED AGAINST 11. “Fungi”, Wet or Dry Rot, or Bacteria Coverage A – Dwelling and Coverage B – Other Struc- a. The amount shown in the Schedule above or on tures the Declaration Page is the most we will pay for: Paragraph 2.e.(3) is deleted and replaced by the following: (1) The total of all loss payable under Section I – Property Coverages caused by “fungi”, (3) Smog, rust or other corrosion; wet or dry rot, or bacteria; Paragraph 2.e.(9) is added: (2) The cost to remove “fungi”, wet or dry rot, or (9) Constant or repeated seepage or leakage of bacteria from property covered under Sec- water or the presence of condensation or tion I – Property Coverages; humidity, moisture, or vapor, over a period of (3) The cost to tear out and replace any part of weeks, months, or years; unless such seep- the building or other covered property as age or leakage of water or the presence or needed to gain access to the “fungi”, wet or condensation of humidity, moisture or vapor dry rot, or bacteria; and and the resulting damage is unknown to all “insureds” and is hidden within the walls or (4) The cost of testing of air or property to con- ceilings or beneath the floors or above the firm the absence, presence or level of ceilings of a structure. “fungi”, wet or dry rot, or bacteria whether performed prior to, during or after removal, SECTION I – EXCLUSIONS repair, restoration or replacement. The cost Exclusion 1.k. is added: of such testing will be provided only to the k. “Fungi”, Wet or Dry Rot, or Bacteria extent that there is a reason to believe that there is the presence of “fungi”, wet or dry “Fungi”, Wet or Dry Rot, or Bacteria meaning the rot, or bacteria. presence, growth, proliferation, spread or any activity of “fungi”, wet or dry rot, or bacteria. b. The coverage described in 11.a. only applies when such loss or costs are a result of a Peril This exclusion does not apply: Insured Against that occurs during the policy pe- (1) When “fungi”, wet or dry rot, or bacteria re- riod; and only if all reasonable means were sults from fire or lightning; or used to save and preserve the property from (2) To the extent coverage is provided for in the further damage at and after the time the Peril “Fungi”, Wet or Dry Rot, or Bacteria Addi- Insured Against occurred. tional Coverage under Section I – Property c. The Each Covered Loss amount shown in the Coverages with respect to loss caused by a Schedule or on the Declaration Page for this Peril Insured Against other than fire or light- coverage is the most we will pay for the total of ning. all loss or costs payable under this Additional Direct loss by a Peril Insured Against resulting Coverage resulting from any one covered loss. from “fungi”, wet or dry rot, or bacteria is covered. The Policy Aggregate amount shown in the SECTION II – CONDITIONS Schedule or on the Declaration Page for this Condition 1. Limit of Liability is deleted and replaced by coverage is the most we will pay for the total of the following: all loss or costs payable under this Additional 1. Limit of Liability UPCIC 03 33 07 08 Includes copyrighted materials of Insurance Services Office Inc., with its permission. Page 1 of 2 Our total liability under Coverage E for all damages re- of less than 12 months, starting with the beginning of sulting from any one “occurrence” will not be more than the policy period shown in the Declarations. the Coverage E limit of liability shown in the Declara- tions. All “bodily injury” and “property damage” result- Our total limit of liability under Coverage F for all ing from any one accident or from continuous or re- medical expenses payable for “bodily injury” to one peated exposure to substantially the same general person as the result of one accident will not be more harmful conditions will be considered to be the result of than the limit of liability for Coverage F shown in the one “occurrence”. Declarations. However, our total liability under Coverage E for the to- With respect to damages arising out of “Fungi”, Wet or Dry tal of all damages arising directly or indirectly, in whole Rot, or Bacteria described in 1. Limit of Liability of this or in part, out of the actual, alleged or threatened inha- endorsement. Condition 2. Severability of Insurance of lation of, ingestion of, contact with, exposure to, exis- Section II - Conditions is deleted and replaced by the tence of, or presence of any “fungi”, wet or dry rot, or following: bacteria will not be more than the Section II – Coverage 2. Severability of Insurance E Aggregate Sublimit of Liability for “Fungi”, Wet or Dry Rot, or Bacteria. That sublimit is the amount shown in This insurance applies separately to each “insured” ex- the Schedule or Declaration Page. This is the most we cept with respect to the Aggregate Sublimit of Liability will pay regardless of the: described in this endorsement under Section II – Con- ditions 1. Limit of Liability. This condition will not in- (1) Number of locations insured under the policy to crease the limit of liability for this coverage. which this endorsement is attached; SECTION I AND II – CONDITIONS (2) Number of persons injured; Condition 1. Policy Period is deleted and replaced by the (3) Number of persons whose property is damaged; following: (4) Number of “insureds”; or 1. Policy Period (5) Number of “occurrences” or claims-made. This policy applies only to loss or costs in Section I or This sublimit is within, but does not increase, the Cov- “bodily injury” or “property damage” in Section II, which erage E limit of liability. It applies separately to each occurs during the policy period. consecutive annual period and to any remaining period

All other provisions of the policy apply.

UPCIC 03 33 07 08 Includes copyrighted materials of Insurance Services Office Inc., with its permission. Page 2 of 2 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE HOMEOWNERS FORM 4 CONTENTS THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SCHEDULE* 1. Section I – Property Coverage Limit of Liability for the Additional Coverage $ Each Covered Loss $ Policy Aggregate “Fungi”, Wet or Dry Rot, or Bacteria 2. Section II – Coverage E Aggregate Sublimit of Liability for “Fungi”, Wet or Dry $ Rot, or Bacteria *Entries may be left blank if shown elsewhere in this policy for this coverage.

DEFINITIONS The Policy Aggregate amount shown in the

The following definition is added: Schedule or on the Declaration Page for this coverage is the most we will pay for the total of all loss 9. “Fungi” or costs payable under this Additional Coverage a. “Fungi” means any type or form of fungus, includ- for all covered losses; regardless of the number of ing mold or mildew, and any mycotoxins, spores, locations insured under this endorsement or num- scents or by-products produced or released by ber of claims-made. fungi. d. If there is covered loss or damage to covered b. Under Section II, this does not include any fungi property, not caused, in whole or in part, by that are, are on, or are contained in, a good or “fungi”, wet or dry rot, or bacteria, loss payment product intended for consumption. will not be limited by the terms of this Additional SECTION I — PROPERTY COVERAGES Coverage, except to the extent that “fungi”, wet or

ADDITIONAL COVERAGES dry rot, or bacteria causes an increase in the loss. Any such increase in the loss will be subject to the The following Additional Coverage is added: terms of this Additional Coverage. 11. “Fungi”, Wet or Dry Rot, or Bacteria This coverage does not increase the limit of liability ap- a. The amount shown in the Schedule above or on plying to the damaged covered property. the Declaration Page is the most we will pay for: SECTION I – PERILS INSURED AGAINST

(1) The total of all loss payable under Section I – Paragraph 12.d is added Property Coverages caused by “fungi”, wet or dry rot, or bacteria; d. Constant or repeated seepage or leakage of water or the presence of condensation or (2) The cost to remove “fungi”, wet or dry rot, or humidity, moisture or vapor, over a period of bacteria from property covered under Section I – Property Coverages; a weeks, months or years. SECTION I – EXCLUSIONS (3) The cost to tear out and replace any part of Exclusion 9. is added: the building or other covered property as needed to gain access to the “fungi”, wet or 9. “Fungi”, Wet or Dry Rot, or Bacteria

dry rot, or bacteria; and “Fungi”, Wet or Dry Rot, or Bacteria meaning the (4) The cost of testing of air or property to con- presence, growth, proliferation, spread or any activ- firm the absence, presence or level of ity of “fungi”, wet or dry rot, or bacteria. “fungi”, wet or dry rot, or bacteria whether This exclusion does not apply: performed prior to, during or after removal, repair, restoration or replacement. The cost a. When “fungi”, wet or dry rot, or bacteria results of such testing will be provided only to the ex- from fire or lightning; or tent that there is a reason to believe that b. To the extent coverage is provided for in the there is the presence of “fungi”, wet or dry rot, “Fungi”, Wet or Dry Rot, or Bacteria Additional Coverage under Section I – Property Cover- or bacteria. b. The coverage described in 11.a. only applies when ages with respect to loss caused by a Peril In- such loss or costs are a result of a Peril Insured sured Against other than fire or lightning. Against that occurs during the policy period and Direct loss by a Peril Insured Against resulting from only if all reasonable means were used to save “fungi”, wet or dry rot, or bacteria is covered. and preserve the property from further damage at SECTION II – CONDITIONS and after the time the Peril Insured Against oc- Condition 1. Limit of Liability is deleted and replaced by curred. the following: c. The Each Covered Loss amount shown in the Schedule or on the Declaration Page for this coverage is the most we will pay for the total of all loss or costs payable under this Additional Coverage resulting from any one covered loss.

UPCIC 04 33 07 08 Includes copyrighted materials of Insurance Services Office Inc., with its permission. Page 1 of 2

1. Limit of Liability This sublimit is within, but does not increase, the Cov- Our total liability under Coverage E for all damages erage E limit of liability. It applies separately to each resulting from any one “occurrence” will not be more consecutive annual period and to any remaining pe- than the Coverage E limit of liability shown in the Dec- riod of less than 12 months, starting with the beginning larations. All “bodily injury” and “property damage” re- of the policy period shown in the Declarations. sulting from any one accident or from continuous or Our total liability under Coverage F for all medical ex- repeated exposure to substantially the same general penses payable for “bodily injury” to one person as the harmful conditions will be considered to be the result result of one accident will not be more than the limit of of one “occurrence”. liability for Coverage F shown in the Declarations. However, our total liability under Coverage E for the With respect to damages arising out of “Fungi”, Wet or Dry total of all damages arising directly or indirectly, in Rot, or Bacteria described in 1. Limit of Liability of this whole or in part, out of the actual, alleged or threat- endorsement, condition 2. Severability of Insurance is ened inhalation of, ingestion of, contact with, exposure deleted and replaced by the following: to, existence of, or presence of any “fungi”, wet or dry 2. Severability of Insurance rot, or bacteria will not be more than the Section II – Coverage E Aggregate Sublimit Of Liability for “Fungi”, This insurance applies separately to each “insured” ex- Wet or Dry Rot, or Bacteria. That sublimit is the cept with respect to the Aggregate Sublimit of Liability described in this endorsement under Section II – Con- amount shown in the Schedule or Declaration Page. ditions 1. Limit of Liability. This condition will not in- This is the most we will pay regardless of the: crease the limit of liability for this coverage. (1) Number of locations insured under the policy to SECTION I AND II – CONDITIONS which this endorsement is attached; Condition 1. Policy Period is deleted and replaced by the (2) Number of persons injured; following: (3) Number of persons whose property is damaged; 1. Policy Period (4) Number of “insureds”; or This policy applies only to loss or costs in Section I or (5) Number of “occurrences” or claims-made. “bodily injury” or “property damage” in Section II, which occurs during the policy period.

All other provisions of the policy apply.

UPCIC 04 33 07 08 Includes copyrighted materials of Insurance Services Office Inc., with its permission. Page 2 of 2

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL PROPERTY REPLACEMENT COST

SECTION I 1. PROPERTY NOT ELIGIBLE

For additional premium, covered losses to the Property listed below is not eligible for re- following property are settled at replacement placement cost settlement. Any loss will be cost at the time of loss: settled at actual cash value at the time of loss but not more than the amount required a. Coverage C-Personal Property; to repair or replace. b. If covered in this policy, awnings, carpet- a. Antiques, fine arts, paintings and similar ing, household appliances, outdoor an- articles of rarity or antiquity, which can- tennas and outdoor equipment, whether not be replaced. or not attached to buildings. b. Memorabilia, souvenirs, collectors items Personal Property Replacement Cost coverage and similar articles whose age or history will also apply to the following articles or classes contribute to their value. of property if they are separately described and specifically insured in this policy: c. Articles not maintained in good or workable condition. a. Jewelry; d. Articles that are outdated or obsolete and b. Furs and garments trimmed with fur or are stored or not being used. consisting principally of fur; 2. REPLACEMENT COST c. Cameras, projection machines, films and The following loss settlement procedure ap- related articles of equipment; plies to all property insured under this en- d. Musical equipment and related articles of dorsement: equipment; We will pay no more than the least of the fol- e. Silverware, silver-plated ware, goldware, lowing amounts: gold plated ware and pewter ware, but a. The full cost of repair at the time of loss; excluding pens, pencils, flasks, smoking implements or jewelry; and b. The limit of liability that applies to Cover- age C, if applicable; f. Golfer's equipment meaning golf clubs, golf clothing and golf equipment. c. An applicable special limits of liability stated in this policy; or Personal Property Replacement Cost coverage will not apply to other classes of property sepa- d. For loss to any item separately described rately described and specifically insured. and specifically insured in this policy, the limit of liability that applies to the item.

ALL OTHER PROVISIONS OF THIS POLICY APPLY

UPCIC 04 90 04 91 (06-07) Includes Copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 1

LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE HOMEOWNERS FORM 6 UNIT – OWNERS FOR USE ONLY WHEN ENDORSEMENT HO 17 32 IS ATTACHED THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SCHEDULE* 1. Section I – Property Coverage Limit of Liability for the Additional Coverage $ Each Covered Loss “Fungi”, Wet or Dry Rot, or Bacteria $ Policy Aggregate 2. Section II – Coverage E Aggregate Sublimit of Liability for “Fungi”, Wet or Dry $ Rot, or Bacteria *Entries may be left blank if shown elsewhere in this policy for this coverage. DEFINITIONS The Policy Aggregate amount shown in the The following definition is added: Schedule or the Declaration Page for this coverage is the most we will pay for the total of all loss 9. “Fungi” or costs payable under this Additional Coverage a. “Fungi” means any type or form of fungus, includ- for all covered losses; regardless of the number of ing mold or mildew, and any mycotoxins, spores, locations insured under this endorsement or num- scents or by-products produced or released by ber of claims-made. fungi. d. If there is covered loss or damage to covered b. Under Section II, this does not include any fungi property, not caused, in whole or in part, by that are, are on, or are contained in, a good or “fungi”, wet or dry rot, or bacteria, loss payment product intended for consumption. will not be limited by the terms of this Additional SECTION I — PROPERTY COVERAGES Coverage, except to the extent that “fungi”, wet or ADDITIONAL COVERAGES dry rot, or bacteria causes an increase in the loss. Any such increase in the loss will be subject to the The following Additional Coverage is added: terms of this Additional Coverage. 10. “Fungi”, Wet or Dry Rot, or Bacteria This coverage does not increase the limit of liability ap- a. The amount shown in the Schedule above or on plying to the damaged covered property. the Declaration Page is the most we will pay for: SECTION I – EXCLUSIONS (1) The total of all loss payable under Section I – Exclusion 9. is added: Property Coverages caused by “fungi”, wet or dry rot, or bacteria; 9. “Fungi”, Wet Or Dry Rot, Or Bacteria (2) The cost to remove “fungi”, wet or dry rot, or “Fungi”, Wet or Dry Rot, or Bacteria meaning the bacteria from property covered under Section presence, growth, proliferation, spread or any activ- I – Property Coverages; ity of “fungi”, wet or dry rot, or bacteria. (3) The cost to tear out and replace any part of This exclusion does not apply: the building or other covered property as a. When “fungi”, wet or dry rot, or bacteria results needed to gain access to the “fungi”, wet or from fire or lightning; or dry rot, or bacteria; and b. To the extent coverage is provided for in the (4) The cost of testing of air or property to con- “Fungi”, Wet or Dry Rot, or Bacteria Additional firm the absence, presence or level of Coverage under Section I – Property Cover- “fungi”, wet or dry rot, or bacteria whether ages with respect to loss caused by a Peril In- performed prior to, during or after removal, sured Against other than fire or lightning. repair, restoration or replacement. The cost Direct loss by a Peril Insured Against resulting from of such testing will be provided only to the ex- “fungi”, wet or dry rot, or bacteria is covered. tent that there is a reason to believe that there is the presence of “fungi”, wet or dry rot, SECTION II – CONDITIONS or bacteria. Condition 1. Limit of Liability is deleted and replaced by b. The coverage described in 10.a. only applies when the following: such loss or costs are a result of a Peril Insured 1. Limit of Liability Against that occurs during the policy period and Our total liability under Coverage E for all damages only if all reasonable means were used to save resulting from any one “occurrence” will not be more and preserve the property from further damage at than the Coverage E limit of liability shown in the Dec- and after the time the Peril Insured Against oc- larations. All “bodily injury” and “property damage” re- curred. sulting from any one accident or from continuous or c. The Each Covered Loss amount shown in the repeated exposure to substantially the same general Schedule or on the Declaration Page for this cov- harmful conditions will be considered to be the result erage is the most we will pay for the total of all loss of one “occurrence”. or costs payable under this Additional Coverage resulting from any one covered loss.

UPCIC 06 03 32 08 Includes copyrighted materials of Insurance Services Office Inc., with its permission. Page 1 of 2 However, our total liability under Coverage E for the Our total limit of liability under Coverage F for all medi- total of all damages arising directly or indirectly, in cal expenses payable for “bodily injury” to one person whole or in part, out of the actual, alleged or threat- as the result of one accident will not be more than the ened inhalation of, ingestion of, contact with, exposure limit of liability for Coverage F shown in the Declara- to, existence of, or presence of any “fungi”, wet or dry tions. rot, or bacteria will not be more than the Section II – Coverage E Aggregate Sublimit of Liability for “Fungi”, With respect to damages arising out of “Fungi”, Wet or Dry Wet or Dry Rot, or Bacteria. That sublimit is the Rot, or Bacteria described in 1. Limit of Liability of this amount shown in the Schedule or Declaration Page. endorsement. This is the most we will pay regardless of the: Condition 2. Severability of Insurance is deleted and re- (1) Number of locations insured under the policy to placed by the following: which this endorsement is attached; 2. Severability of Insurance (2) Number of persons injured; This insurance applies separately to each “insured” ex- (3) Number of persons whose property is damaged; cept with respect to the Aggregate Sublimit of Liability (4) Number of “insureds”; or described in this endorsement under Section II – Condi- tions 1. Limit of Liability. This condition will not in- (5) Number of “occurrences” or claims-made. crease the limit of liability for this coverage. This sublimit is within, but does not increase, the Cov- SECTION I AND II – CONDITIONS erage E limit of liability. It applies separately to each consecutive annual period and to any remaining pe- Condition 1. Policy Period is deleted and replaced by the riod of less than 12 months, starting with the beginning following: of the policy period shown in the Declarations. 1. Policy Period This policy applies only to loss or costs in Section I or “bodily injury” or “property damage” in Section II, which occurs during the policy period.

All other provisions of the policy apply.

UPCIC 06 03 32 08 Includes copyrighted materials of Insurance Services Office Inc., with its permission. Page 2 of 2 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE HOMEOWNERS FORM 6 UNIT - OWNERS THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SCHEDULE* 1. Section I – Property Coverage Limit of Liability for the Additional Coverage $ Each Covered Loss “Fungi”, Wet or Dry Rot, or Bacteria $ Policy Aggregate 2. Section II – Coverage E Aggregate Sublimit of Liability for “Fungi”, Wet or Dry $ Rot, or Bacteria *Entries may be left blank if shown elsewhere in this policy for this coverage. DEFINITIONS or costs payable under this Additional Coverage The following definition is added: for all covered losses; regardless of the number of locations insured under this endorsement or num- 9. “Fungi” ber of claims-made. a. “Fungi” means any type or form of fungus, includ- d. If there is covered loss or damage to covered ing mold or mildew, and any mycotoxins, spores, property, not caused, in whole or in part, by scents or by-products produced or released by “fungi”, wet or dry rot, or bacteria, loss payment fungi. will not be limited by the terms of this Additional b. Under Section II, this does not include any fungi Coverage, except to the extent that “fungi”, wet or that are, are on, or are contained in, a good or dry rot, or bacteria causes an increase in the loss. product intended for consumption. Any such increase in the loss will be subject to the SECTION I — PROPERTY COVERAGES terms of this Additional Coverage. ADDITIONAL COVERAGES This coverage does not increase the limit of liability ap- The following Additional Coverage is added: plying to the damaged covered property. 10. “Fungi”, Wet or Dry Rot, or Bacteria SECTION I – PERILS INSURED AGAINST a. The amount shown in the Schedule above or on Paragraph 12.e is added: the Declaration Page is the most we will pay for: e. Constant or repeated seepage or leakage of water (1) The total of all loss payable under Section I – or the presence of condensation or humidity, Property Coverages caused by “fungi”, wet or moisture or vapor, over a period of weeks, months dry rot, or bacteria; or years. (2) The cost to remove “fungi”, wet or dry rot, or SECTION I – EXCLUSIONS bacteria from property covered under Section Exclusion 9. is added: I – Property Coverages; 9. “Fungi”, Wet Or Dry Rot, Or Bacteria (3) The cost to tear out and replace any part of “Fungi”, Wet or Dry Rot, or Bacteria meaning the the building or other covered property as presence, growth, proliferation, spread or any activ- needed to gain access to the “fungi”, wet or ity of “fungi”, wet or dry rot, or bacteria. dry rot, or bacteria; and This exclusion does not apply: (4) The cost of testing of air or property to con- firm the absence, presence or level of a. When “fungi”, wet or dry rot, or bacteria results “fungi”, wet or dry rot, or bacteria whether from fire or lightning; or performed prior to, during or after removal, b. To the extent coverage is provided for in the repair, restoration or replacement. The cost “Fungi”, Wet or Dry Rot, or Bacteria Additional of such testing will be provided only to the ex- Coverage under Section I – Property Cover- tent that there is a reason to believe that ages with respect to loss caused by a Peril In- there is the presence of “fungi”, wet or dry rot, sured Against other than fire or lightning. or bacteria. Direct loss by a Peril Insured Against resulting from b. The coverage described in 10.a. only applies when “fungi”, wet or dry rot, or bacteria is covered. such loss or costs are a result of a Peril Insured SECTION II – CONDITIONS Against that occurs during the policy period and Condition 1. Limit of Liability is deleted and replaced by only if all reasonable means were used to save and preserve the property from further damage at the following: and after the time the Peril Insured Against oc- 1. Limit of Liability curred. Our total liability under Coverage E for all damages c. The Each Covered Loss amount shown in the resulting from any one “occurrence” will not be more Schedule or on the Declaration Page for this cov- than the Coverage E limit of liability shown in the Dec- erage is the most we will pay for the total of all loss larations. All “bodily injury” and “property damage” re- or costs payable under this Additional Coverage sulting from any one accident or from continuous or resulting from any one covered loss. repeated exposure to substantially the same general The Policy Aggregate amount shown in the harmful conditions will be considered to be the result Schedule or the Declaration Page for this cover- of one “occurrence”. age is the most we will pay for the total of all loss UPCIC 06 33 07 08 Includes copyrighted materials of Insurance Services Office Inc., with its permission. Page 1 of 2 However, our total liability under Coverage E for the limit of liability for Coverage F shown in the Declara- total of all damages arising directly or indirectly, in tions. whole or in part, out of the actual, alleged or threat- With respect to damages arising out of “Fungi”, Wet or Dry ened inhalation of, ingestion of, contact with, exposure Rot, or Bacteria described in 1. Limit of Liability of this to, existence of, or presence of any “fungi”, wet or dry endorsement. rot, or bacteria will not be more than the Section II – Coverage E Aggregate Sublimit of Liability for “Fungi”, Condition 2. Severability of Insurance is deleted and re- Wet or Dry Rot, or Bacteria. That sublimit is the placed by the following: amount shown in the Schedule or Declaration Page. 2. Severability of Insurance This is the most we will pay regardless of the: This insurance applies separately to each “insured” ex- (1) Number of locations insured under the policy to cept with respect to the Aggregate Sublimit of Liability which this endorsement is attached; described in this endorsement under Section II – Condi- (2) Number of persons injured; tions 1. Limit of Liability. This condition will not increase the limit of liability for this coverage. (3) Number of persons whose property is damaged; SECTION I AND II – CONDITIONS (4) Number of “insureds”; or Condition 1. Policy Period is deleted and replaced by the (5) Number of “occurrences” or claims-made. following: This sublimit is within, but does not increase, the Cov- 1. Policy Period erage E limit of liability. It applies separately to each consecutive annual period and to any remaining pe- This policy applies only to loss or costs in Section I or riod of less than 12 months, starting with the beginning “bodily injury” or “property damage” in Section II, which of the policy period shown in the Declarations. occurs during the policy period. Our total limit of liability under Coverage F for all medical expenses payable for “bodily injury” to one person as the result of one accident will not be more than the

All other provisions of the policy apply.

UPCIC 06 33 07 08 Includes copyrighted materials of Insurance Services Office Inc., with its permission. Page 2 of 2 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE HOMEOWNERS FORM 8 MODIFIED COVERAGE FORM THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SCHEDULE* 1. Section I – Property Coverage Limit of Liability for the Additional Coverage $ Each Covered Loss “Fungi”, Wet or Dry Rot, or Bacteria $ Policy Aggregate 2. Section II – Coverage E Aggregate Sublimit of Liability for “Fungi”, Wet or Dry $ 50,000 Rot, or Bacteria *Entries may be left blank if shown elsewhere in this policy for this coverage. DEFINITIONS The Policy Aggregate amount shown in the The following definition is added: Schedule or on the Declaration Page for this coverage is the most we will pay for the total of all loss 9. “Fungi” or costs payable under this Additional Coverage a. “Fungi” means any type or form of fungus, includ- for all covered losses; regardless of the number of ing mold or mildew, and any mycotoxins, spores, locations insured under this endorsement or num- scents or by-products produced or released by ber of claims-made. fungi. d. If there is covered loss or damage to covered b. Under Section II, this does not include any fungi property, not caused, in whole or in part, by that are, are on, or are contained in, a good or “fungi”, wet or dry rot, or bacteria, loss payment product intended for consumption. will not be limited by the terms of this Additional SECTION I — PROPERTY COVERAGES Coverage, except to the extent that “fungi”, wet or ADDITIONAL COVERAGES dry rot, or bacteria causes an increase in the loss. Any such increase in the loss will be subject to the The following Additional Coverage is added: terms of this Additional Coverage. 9. “Fungi”, Wet or Dry Rot, or Bacteria This coverage does not increase the limit of liability ap- a. The amount shown in the Schedule above or on plying to the damaged covered property. the Declaration Page is the most we will pay for: SECTION I – EXCLUSIONS (1) The total of all loss payable under Section I – Exclusion 9. is added: Property Coverages caused by “fungi”, wet or dry rot, or bacteria; 9. Constant or Repeated Seepage or Leakage (2) The cost to remove “fungi”, wet or dry rot, or Constant or repeated seepage or leakage of water bacteria from property covered under Section or the presence of condensation or humidity, I – Property Coverages; moisture or vapor, over a period of weeks, months, or years. (3) The cost to tear out and replace any part of the building or other covered property as Exclusion 10. Is added: needed to gain access to the “fungi”, wet or 10. “Fungi”, Wet or Dry Rot, or Bacteria dry rot, or bacteria; and “Fungi”, Wet or Dry Rot, or Bacteria meaning the (4) The cost of testing of air or property to con- presence, growth, proliferation, spread or any activ- firm the absence, presence or level of ity of “fungi”, wet or dry rot, or bacteria. “fungi”, wet or dry rot, or bacteria whether performed prior to, during or after removal, This exclusion does not apply: repair, restoration or replacement. The cost a. When “fungi”, wet or dry rot, or bacteria results of such testing will be provided only to the ex- from fire or lightning; or tent that there is a reason to believe that b. To the extent coverage is provided for in the there is the presence of “fungi”, wet or dry rot, “Fungi”, Wet or Dry Rot, or Bacteria Additional or bacteria. Coverage under Section I – Property Cover- b. The coverage described in 9.a. only applies when ages with respect to loss caused by a Peril In- such loss or costs are a result of a Peril Insured sured Against other than fire or lightning. Against that occurs during the policy period and Direct loss by a Peril Insured Against resulting from only if all reasonable means were used to save “fungi”, wet or dry rot, or bacteria is covered. and preserve the property from further damage at SECTION II – CONDITIONS and after the time the Peril Insured Against occurred. Condition 1. Limit of Liability is deleted and replaced by c. The Each Covered Loss amount shown in the the following: Schedule or on the Declaration Page for this coverage is the most we will pay for the total of all loss or costs payable under this Additional Coverage resulting from any one covered loss.

UPCIC 08 33 07 08 Includes copyrighted materials of Insurance Services Office Inc., with its permission. Page 1 of 2 1. Limit of Liability This sublimit is within, but does not increase, the Cov- Our total liability under Coverage E for all damages erage E limit of liability. It applies separately to each resulting from any one “occurrence” will not be more consecutive annual period and to any remaining pe- than the Coverage E limit of liability shown in the Dec- riod of less than 12 months, starting with the beginning larations. All “bodily injury” and “property damage” re- of the policy period shown in the Declarations. sulting from any one accident or from continuous or Our total liability under Coverage F for all medical ex- repeated exposure to substantially the same general penses payable for “bodily injury” to one person as the harmful conditions will be considered to be the result result of one accident will not be more than the limit of of one “occurrence”. liability for Coverage F shown in the Declarations. However, our total liability under Coverage E for the With respect to damages arising out of “Fungi”, Wet or Dry total of all damages arising directly or indirectly, in Rot, or Bacteria described in 1. Limit of Liability of this whole or in part, out of the actual, alleged or threat- endorsement, condition 2. Severability of Insurance is ened inhalation of, ingestion of, contact with, exposure deleted and replaced by the following: to, existence of, or presence of any “fungi”, wet or dry rot, or bacteria will not be more than the Section II – 2. Severability of Insurance Coverage E Aggregate Sublimit Of Liability for “Fungi”, This insurance applies separately to each “insured” ex- Wet or Dry Rot, or Bacteria. That sublimit is the cept with respect to the Aggregate Sublimit of Liability amount shown in the Schedule or Declaration Page. described in this endorsement under Section II – Con- This is the most we will pay regardless of the: ditions 1. Limit of Liability. This condition will not in- (1) Number of locations insured under the policy to crease the limit of liability for this coverage. which this endorsement is attached; SECTION I AND II – CONDITIONS (2) Number of persons injured; Condition 1. Policy Period is deleted and replaced by the (3) Number of persons whose property is damaged; following: 1. Policy Period (4) Number of “insureds”; or This policy applies only to loss or costs in Section I or (5) Number of “occurrences” or claims-made. “bodily injury” or “property damage” in Section II, which occurs during the policy period.

All other provisions of the policy apply.

UPCIC 08 33 07 08 Includes copyrighted materials of Insurance Services Office Inc., with its permission. Page 2 of 2

EXISTING DAMAGE EXCLUSION

The following is excluded:

1. Damages which occurred prior to policy inception regardless of whether such damages were apparent at the time of the inception of this policy or discovered at a later date; or

2. Claims or damages arising out of workmanship, repairs or lack of repairs arising from damage which occurred prior to policy inception.

This exclusion does not apply in the event of a total loss caused by a Peril In- sured Against.

UPCIC 10 01 98 (06-07) UPCIC 14 01 98

UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY

AMENDMENT OF LOSS SETTLEMENT CONDITION - FLORIDA

(HO 00 04 Only)

Paragraph 3. of the Section I - Conditions in Form HO 00 04 is replaced by the following:

3. Loss Settlement. Covered property losses are settled as follows:

a. Personal property at actual cash value at the time of loss but not more than the amount required to repair or replace.

b. Building Additions and Alterations:

(1) if the damage is repaired or replaced within a reasonable time, at the actual cost to repair or replace;

(2) If the damage is not repaired or replaced, at actual cash value but not more than the amount required to repair or replace.

UPCIC 14 01 98 Copyright, Insurance Services Office UPCIC 16 01 98

UNIVERSAL PROPERTY AND CASUALTY INSURANCE COMPANY

THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY.

LOSS ASSESSMENT COVERAGE

1. Section 1. Additional Coverages - 7, and Section II. b. The director, officer or trustee serves Additional Coverages - 4, are deleted in all policy without deriving any income from the forms HO 00 03 04 91, HO 00 04 04 91, and HO 00 exercise of duties which are solely on 06 04 91 and replaced by the following: behalf of a corporation or association of property owners. SECTION I. - Additional Coverages This coverage applies only to loss 7. Loss Assessment assessments charges against you as owner or tenant of the “residence We will pay up to $1,000 for your share of loss premises.” assessment charged during the policy period against you by a corporation or association of B. We do not cover loss assessments charged property owners, when the assessment is made as against you or a corporation or association of a result of a direct loss to the property owned BY property owners by any governmental body. ALL MEMBERS COLLECTIVELY, CAUSED BY A PERIL Insured Against Under COVERAGE A - Regardless of the number of assessments, the DWELLING, other than earthquake or land shock limit of $1,000 is the most we will pay for loss waves or tremors before, during or after a volcanic arising out of: eruption. (1) One accident, including continuous or This coverage applies only to loss assessments repeated exposure to substantially the charged against you as owner or tenant of the same general harmful condition; or “residence premises”. (2) A covered act of a director, officer or We do not cover loss assessments charged against trustee. An act involving more than one you or a corporation of association of property director, officer or trustee is considered to owners by any governmental body. be a single act.

The limit of $1,000 is the most we will pay with The following does not apply to this coverage: respect to any one loss, regardless of the number of assessments. Section II - Coverage E - Personal liability Exclusion 2.a.(1). SECTION II. - Additional Coverages 2. Increased Limit - Residence Premises 4. Loss Assessment For an additional premium, the limit of liability for A. We will pay up to $1,000 for your share of loss Section I Additional Coverage 7 and Section II assessment charged during the policy period Additional Coverage 4, Loss Assessment, is against you by a corporation or association of increased to: property owners, when the assessment is made as a result of: Increase in Limit of Liability $

(1) ”Bodily injury” or “property damage” NOT Total Limit of Liability $ EXCLUDED UNDER SECTION II OF THIS POLICY; OR SPECIAL LIMIT - We will not pay more than $1,000 of your assessment that results from a deductible in (2) Liability for an act of a director, officer or the policy of insurance purchased by a corporation trustee in the capacity as a director, officer or association of property owners. or trustee, provided:

a. The director, officer or trustee is elected by the members of a corporation or association of property owners; and

UPCIC 16 01 98 Copyright, Insurance Services Office UPCIC 19 01 98

UNIVERSAL PROPERTY AND CASUALTY INSURANCE COMPANY

THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY.

WINDSTORM PROTECTIVE DEVICES

For the Premium charged:

A. We acknowledge the installation of storm shutters or other windstorm protective devices, reported by you to us, that protect all exterior wall and roof openings, including doors, windows, skylights and vents, other than soffit and roof ridge vents, that are part of:

1. All buildings owned by you and located on, or at the location of, the “residence premises”; or

2. A covered condominium or cooperative unit; or

3. A one-family dwelling or an apartment unit in a two or more family building in which you reside as a tenant and which contains covered personal property.

B. You agree to:

1. Maintain each storm shutter or other windstorm protective device in working order;

2. Close and secure all storm shutters or other windstorm protective devices when necessary or arrange for others to do so in your absence; and

3. Let us know promptly of:

a. The alteration, disablement, replacement, or removal of, or significant damage to, any storm shutter or other windstorm protective device; or

b. Any alterations or additions to existing buildings owned by you or the construction of any new buildings owned by you.

While your failure to comply with any of the conditions in B. above will not result in denial of a claim for loss caused by the peril of Windstorm or Hail, we reserve the right to discontinue the benefits of this endorsement, including any related premium credit; in the event of such a failure.

All other provisions of the policy apply.

UPCIC 19 01 98 Copyright, Insurance Services Office

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIAL PROVISIONS - FLORIDA

SECTION I – DEFINITIONS e. Damage occurring on or after October 15, The following Definitions are added: 2005, that qualifies as substantial "structural 10. “Personal Watercraft” means watercraft designed damage" as defined in the Florida Building to carry one to three people, propelled by a water Code. jet pump powered by an internal combustion 12. "Primary structural member" engine and capable of speeds greater than 25 "Primary structural member" means a structural mph. element designed to provide support and stability “Personal Watercraft” include but are not limited to for the vertical or lateral loads of the overall watercraft often referred to as jet skis, wave structure. runners and similar watercraft. 13. "Primary structural system" 11. "Structural Damage" "Primary structural system" means an assemblage "Structural Damage" means a covered building, of "primary structural members". regardless of the date of its construction, has 14. "Catastrophic Ground Cover Collapse" experienced the following: "Catastrophic ground cover collapse" means a. Interior floor displacement or deflection in geological activity that results in all of the following: excess of acceptable variances as defined in a. The abrupt collapse of the ground cover; ACI 117-90 or the Florida Building Code, which results in settlement related damage to b. A depression in the ground cover clearly the interior such that the interior building visible to the naked eye; structure or members become unfit for c. "Structural damage," other than settling or service or represents a safety hazard as cracking, to the covered building insured defined within the Florida Building Code; under this policy, including the foundation; b. Foundation displacement or deflection in and excess of acceptable variances as defined in d. The building or structure being condemned ACI 318-95 or the Florida Building Code, and ordered to be vacated by the which results in settlement related damage to governmental agency authorized by law to the "primary structural members" or "primary issue such an order for that building or structural systems" that prevents those structure. members or systems from supporting the SECTION I - PROPERTY COVERAGES COVERAGE loads and forces they were designed to C PERSONAL PROPERTY SPECIAL LIMITS OF support to the extent that stresses in those LIABILITY "primary structural members" or "primary structural systems" exceeds one and one- Items 10. and 11. are deleted and replaced by the third the nominal strength allowed under the following: Florida Building Code for new buildings of 10. $1000 for loss to electronic apparatus, while in or similar structure, purpose, or location; upon a motor vehicle or other motorized land c. Damage that results in listing, leaning, or conveyance, if the electronic apparatus is equipped to be operated by power from the buckling of the exterior load bearing walls or other vertical "primary structural members" to electrical system of the vehicle or conveyance such an extent that a plumb line passing while retaining its capability of being operated by other sources of power. Electronic apparatus through the center of gravity does not fall inside the middle one-third of the base as includes: defined within the Florida Building Code; a. Accessories and antennas; or d. Damage that results in the building, or any b. Tapes, wires, records, discs or other media; portion of the building containing "primary for use with any electronic apparatus structural members" or "primary structural described in this Item 10. systems", being significantly likely to 11. $1000 for loss to electronic apparatus, while not in imminently collapse because of the or upon a motor vehicle or other motorized land movement or instability of the ground within conveyance, if the electronic apparatus: the influence zone of the supporting ground within the sheer plane necessary for the a. Is equipped to be operated by power from the purpose of supporting such building as electrical system of the vehicle or conveyance defined within the Florida Building Code; or while retaining its capability of being operated by other sources of power;

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b. Is away from the "residence premises"; and (2) A building or any part of a building that c. Is used at any time or in any manner for any is in danger of falling down or caving in "business" purpose. is not considered to be in a state of collapse. Electronic apparatus includes: (3) A part of a building that is standing is not a. Accessories and antennas; or considered to be in a state of collapse b. Tapes, wires, records, discs or other media; even if it has separated from another part for use with any electronic apparatus of the building. described in this Item 11. (4) A building that is standing or any part of PROPERTY NOT COVERED a building that is standing is not Item 3.b. is deleted and replaced by the following: considered to be in a state of collapse even if it shows evidence of cracking, 3. Motor vehicles or all other motorized land bulging, sagging, bending, leaning, conveyances. This includes: settling, shrinkage or expansion. b. Electronic apparatus that is designed to be b. We insure for direct physical loss to covered operated solely by use of the power from the property involving collapse of a building or any electrical system of motor vehicles or all part of a building if the collapse was caused by other motorized land conveyances. one or more of the following: Electronic apparatus includes: (1) Perils Insured Against in Coverage C (1) Accessories or antennas; or Personal Property. These perils apply to (2) Tapes, wires, records, discs or covered buildings and personal property other media; for loss insured by this additional for use with any electronic apparatus coverage; described in this Item 3.b. (2) Decay that is hidden from view, unless The exclusion of property described in 3.a. and the presence of such decay is known to 3.b. above applies only while the property is in or you prior to collapse; upon the vehicle or conveyance. (3) Insect or vermin damage that is hidden We do cover vehicles or conveyances not subject from view, unless the presence of such to motor vehicle registration which are: damage is known to you prior to a. Used to service an "insured's" residence; or collapse; b. Designed for assisting the handicapped; (4) Weight of contents, equipment, animals or people; COVERAGE D - LOSS OF USE (5) Weight of rain which collects on a roof; In Forms HO 00 03, HO 00 08 Item 1. is deleted and or replaced by the following: (6) Use of defective material or methods in 1. If a loss covered under this Section makes that construction, remodeling or renovation if part of the "residence premises" where you reside the collapse occurs during the course of not fit to live in, we cover the Additional Living the construction, remodeling or Expense, meaning any necessary increase in renovation. living expenses incurred by you so that your household can maintain its normal standard of Loss to an awning, fence, patio, pavement, living. swimming pool, underground pipe, flue, drain, cesspool, septic tank, foundation, Payment will be for the shortest time required to retaining wall, bulkhead, pier, wharf or dock is repair or replace the damage or, if you not included under Items (2), (3), (4), (5), and permanently relocate, the shortest time required (6) unless the loss is a direct result of the for your household to settle elsewhere. collapse of a building or any part of a building. SECTION 1 - ADDITIONAL COVERAGES This coverage does not increase the limit of 8. Collapse is deleted and replaced by the liability applying to the damaged covered following: property. 8. Collapse c. If Endorsement HO 00 15 is attached to the a. With respect to this Additional Coverage: policy, Section I Additional Coverages 8. (1) Collapse means an abrupt falling down Collapse in that endorsement is deleted in its or caving in of a building or any part of entirety and Paragraph b.(1) above is deleted a building with the result that the and replaced by the following: building, or part of the building, cannot b.(1) Perils Insured Against in Coverages A be occupied for its intended purpose. and B.

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In addition, the following paragraph is added: words 'covered building' used below, refer to This additional coverage does not apply to property covered under Additional Coverage 10. Coverage C Personal Property. Building Additions And Alterations. 11. Ordinance Or Law d. If Endorsement HO 17 31 is attached to the a. You may use up to 25% of the limit of liability policy, Section I Additional Coverages 8. that applies to Coverage A for the increased Collapse in that Endorsement is deleted in costs you incur due to the enforcement of any its entirety and Paragraph b.(1) above is ordinance or law which requires or regulates: deleted and replaced by the following: (1) The construction, demolition, remodeling, b.(1) Perils Insured Against in Coverage A. renovation or repair of that part of a In addition, the following paragraph is added: covered building or other structure This additional coverage does not apply to damaged by a Peril Insured Against; Coverage C Personal Property. (2) The demolition and reconstruction of 9. Glass or Safety Glazing Material is deleted and the undamaged part of a covered building replaced by the following: or other structure, when that building or 9. Glass Or Safety Glazing Material other structure must be totally demolished because of damage by a Peril Insured a. We cover: Against to another part of that covered (1) The breakage of glass or safety glazing building or other structure; or material which is part of a covered (3) The remodeling, removal or building, storm door or storm window; replacement of the portion of the (2) The breakage, caused directly by Earth undamaged part of a covered building or Movement, of glass or safety glazing other structure necessary to complete the material which is part of a covered remodeling, repair or replacement of that building, storm door or storm window; part of the covered building or other and structure damaged by a Peril Insured (3) The direct physical loss to covered Against. property caused solely by the pieces, b. You may use all or part of this ordinance or fragments or splinters of broken glass or law coverage to pay for the increased costs safety glazing material which is part of a you incur to remove debris resulting from the building, storm door or storm window. construction, demolition, remodeling, b. This coverage does not include renovation, repair or replacement of property loss: as stated in a. above. (1) To covered property which results c. We do not cover: because the glass or safety glazing (1) The loss in value to any covered building material has been broken, except as or other structure due to the requirements provided in a.(3) above; or of any ordinance or law; or (2) On the "residence premises" if the (2) The costs to comply with any ordinance or dwelling has been vacant for more than law which requires any "insured" or others 30 consecutive days immediately to test for, monitor, clean up, remove, before the loss, except when the contain, treat, detoxify or neutralize, or in breakage results directly from Earth any way respond to, or assess the effects Movement as provided for in a.(2) of, pollutants on any covered building or above. A dwelling being constructed is other structure. not considered vacant. Pollutants means any solid, liquid, Loss to glass covered under this Additional gaseous or thermal irritant or Coverage 9. will be settled on the basis of contaminant, including smoke, vapor, replacement with safety glazing materials when soot, fumes, acids, alkalis, chemicals and required by ordinance or law. waste. Waste includes materials to be For Form HO 00 08, we will pay up to $100 for recycled, reconditioned or reclaimed. loss under this coverage. This coverage is additional insurance. This coverage does not increase the limit of (This is Additional Coverage 10. in Form HO 00 06. liability that applies to the damaged property. and Additional Coverage 9. in Form HO 00 08) (This is Additional Coverage 8. in Form HO 00 08) 12. Catastrophic Ground Cover Collapse The following Additional Coverage is added to all “Catastrophic Ground Cover Collapse” coverage is Forms. With respect to Form HO 00 04, the added for: Page 3 of 10 Includes copy righted material of Insurance Services Office, Inc., with its permission. UPCIC 23 12 13

a. Forms HO 00 03 and HO 00 08 or thermal irritant or contaminant, including (1) Loss to the property described in smoke, vapor, soot, fumes, acids, alkalis, Coverage A – Dwelling; chemicals and waste. Waste includes materials to be recycled, reconditioned or (2) Loss to the property described in reclaimed. Coverage B – Other Structures; This exclusion applies whether or not the property (3) Loss to contents described for Coverage has been physically damaged. C – Personal Property. (This is Exclusion 1.a. in Form HO 00 03.)

2. Earth Movement is deleted and replaced by the (This is Additional Coverage 10. in Form HO following: 00 08) 2. Earth Movement, meaning earthquake, including b. Form HO 00 06 land shock waves or tremors before, during or (1) Loss to the property described in after a volcanic eruption; landslide; mine Coverage A – Dwelling; subsidence; mudflow; earth sinking, rising or (2) Loss to contents described for Coverage shifting; unless direct loss by: C – Personal Property. a. Fire; or (This is Additional Coverage 11. in Form HO b. Explosion; 00 06) ensues and then we will pay only for the ensuing c. Form HO 00 04 loss. (1) Loss to contents described for Coverage This Exclusion 2. does not apply to loss by: C – Personal Property. a. Theft; or (This is Additional Coverage 11. in Form HO b. "Catastrophic ground cover collapse". 00 04) (This is Exclusion 1.b. in Form HO 00 03.) SECTION I - PERILS INSURED AGAINST 4. Power Failure is deleted and replaced by the COVERAGE A – DWELLING and COVERAGE B – following: OTHER STUCTURES 4. Power Failure, meaning the failure of power or In Form HO 00 03 Subsection 2.e.(6) is deleted and other utility service if the failure takes place off the replaced with the following: "residence premises". But if the failure of power or (6) Settling, shrinking, bulging or expansion, including other utility service results in a loss, from a Peril resultant cracking, of pavements, patios Insured Against on the "residence premises", we foundations, walls, floors, roofs or ceilings except will pay for the loss or damage caused by that Peril for a “Catastrophic Ground Cover Collapse” loss. Insured Against. The Section I - Earth Movement Exclusion does (This is Exclusion 1.d. in Form HO 00 03.) not apply to a “Catastrophic Ground Cover Collapse” loss. SECTION I – CONDITIONS SECTION I EXCLUSIONS The following is added to 2. Your Duties After Loss: 1. Ordinance or Law is deleted and replaced by the h. You must give notice of a claim, a supplemental following: claim, or a reopened claim for loss or damage caused by the peril of windstorm or hurricane, 1. Ordinance or Law, meaning any ordinance or with us in accordance with the terms of this law: policy and within three years after the hurricane a. Requiring or regulating the construction, first made landfall or the windstorm caused the demolition, remodeling, renovation or repair covered damage. For purposes of this section, of property, including removal of any the term “supplemental claim” or “reopened resulting debris. This Exclusion 1.a. does not claim” means any additional claim for recovery apply to the amount of coverage that may be from us for losses from the same hurricane or provided for under Additional Coverages, windstorm which we have previously adjusted Glass Or Safety Glazing Material or pursuant to the initial claim. This section does Ordinance Or Law; not affect any applicable limitations on civil b. The requirements of which result in a loss in actions for claims, supplemental claims, or value to property; or reopened claims timely filed under this section. c. Requiring any "insured" or others to test for, 3. Loss Settlement (HO 00 03) is deleted and monitor, clean up, remove, contain, treat, replaced by the following: detoxify or neutralize, or in any way respond 3. Loss Settlement (HO 00 03) property losses to, or assess the effects of, pollutants. are settled as follows: Pollutants means any solid, liquid, gaseous Page 4 of 10 Includes copy righted material of Insurance Services Office, Inc., with its permission. UPCIC 23 12 13

a. Property of the following types: any supports which are below the (1) Personal property; undersurface of the lowest basement floor; (2) Awnings, carpeting, household appliances, outdoor antennas and outdoor (b) Those supports in (a) above which equipment, whether or not attached to are below the surface of the ground buildings; and inside the foundation walls, if there is no basement; and (3) Structures, other than screened enclosures, that are not buildings; (c) Underground flues, pipes, wiring and drains. at actual cash value at the time of loss but not more than the amount required to repair or (4) We will initially pay at least the actual replace. cash value of the insured loss, less any applicable deductible. We will then pay b. Buildings under Coverage A or B at re- any remaining amounts necessary to placement cost without deduction for de- perform such repairs as work is preciation, subject to the following: performed and expenses are incurred, (1) If at the time of loss, the amount of subject to b.(1) and b.(2) above. insurance in this policy on the damaged If a total loss of the dwelling occurs, the building is 80% or more of the full provisions of b.(4) above do not apply replacement cost of the building and we will pay the replacement cost immediately before the loss, we will pay coverage without reservation or holdback the cost to repair or replace, after of any depreciation in value, pursuant to application of deductible and without Florida Statutes. This does not prohibit deduction for depreciation, but not more us from exercising our right to repair the than the least of the following amounts: damaged property in compliance with (a) The limit of liability under this policy this policy and pursuant to Florida that applies to the building; Statutes. (b) The replacement cost of that part of (5) If the dwelling where loss or damage the building damaged for like con- occurs has been vacant for more than 30 struction and use on the same consecutive days before the loss or premises; or damage, we will: (c) The necessary amount actually (a) Not pay for any loss or damage spent to repair or replace the dam- caused by any of the following perils, aged building. even if they are covered causes of (2) If, at the time of loss, the amount of in- loss: surance in this policy on the damaged (i) Vandalism; building is less than 80% of the full re- (ii) Sprinkler leakage caused by or placement cost of the building immedi- arising out of the freezing of a ately before the loss, we will pay the fire protective sprinkler system, greater of the following amounts, but not unless you have protected the more than the limit of liability under this system against freezing; policy that applies to the building: (iii) Dwelling glass breakage; (a) The actual cash value of that part of the building damaged; or (iv) Water damage; (b) That proportion of the cost to repair (v) Theft; or or replace, after application of (vi) Attempted theft. deductible and without deduction for Dwellings under construction are not depreciation, that part of the building considered vacant. damaged, which the total amount (6) In the event of a “catastrophic ground of insurance in this policy on the cover collapse,” any repairs must be damaged building bears to 80% of made in accordance with the the replacement cost of the building. recommendations of our professional (3) To determine the amount of insurance engineer. If our professional engineer required to equal 80% of the full re- selected or approved by us determines placement cost of the building immedi- that repairs cannot be completed within ately before the loss, do not include the the applicable limit of insurance, we will value of: at our option, either: (a) Excavations, foundations, piers or (a) Complete the professional Page 5 of 10 Includes copy righted material of Insurance Services Office, Inc., with its permission. UPCIC 23 12 13

engineer’s recommended repairs; or cash expenses you incur in attending the (b) Pay the policy limits without a conference and also pay the mediator's fee for reduction for the repair expenses the rescheduled conference. incurred. b. Request an appraisal of the loss. However, 3. Loss Settlement (HO 00 06) is deleted and re- both parties must agree to the appraisal placed by the following: process. In this event, each party will choose a competent appraiser within 20 days after 3. Loss Settlement (HO 00 06) property losses receiving a written request from the other. The are settled as follows: two appraisers will choose an umpire. If they a. Personal property at actual cash value at the cannot agree upon an umpire within 15 days, time of loss but not more than the amount you or we may request that the choice be made required to repair or replace. by a judge of a court of record in the state where b. Coverage A – Dwelling: the "residence premises" is located. The (1) At the actual cost to repair or replace. appraisers will separately set the amount of the loss. If the appraisers submit a written report of (2) We will initially pay at least the actual an agreement to us, the amount agreed upon will cash value of the insured loss, less any be the amount of the loss. If they fail to agree, applicable deductible. We will then pay they will submit their differences to the umpire. A any remaining amounts necessary to decision agreed to by any two will set the perform such repairs as work is amount of the loss. performed and expenses are incurred, subject to b.(1) above and this item b.(2). Each party will: If a total loss of the dwelling occurs, the (1) Pay its own appraiser; and provisions of b.(2) above do not apply (2) Bear the other expenses of the appraisal and we will be the replacement cost and umpire equally. coverage without reservation or holdback If, however, we demanded the mediation and of any depreciation in value, pursuant to either party rejects the mediation results, you are Florida Statutes. This does not prohibit not required to submit to, or participate in, any us from exercising our right to repair appraisal of the loss as a precondition to action damaged property in compliance with this against us for failure to pay the loss. policy and pursuant to Florida Statutes. 8. Suit Against Us is deleted and replaced by the 6. Appraisal is deleted and replaced by the following: following: 6. Mediation Or Appraisal 8. Suit Against Us No action can be brought unless If you and we fail to agree on the amount of loss, the policy provisions have been complied with and either may: the action is started within 5 years after the date of a. Demand a mediation of the loss in accor- loss. dance with the rules established by the 10. Loss Payment is deleted and replaced by the Department of Financial Services. The following: loss amount must be $500 or more, prior to 10. Loss Payment application of the deductible; or there must be We will adjust all losses with you. We will pay you a difference of $500 or more between the loss unless some other person is named in the policy or settlement amount we offer and the loss is legally entitled to receive payment. Loss will be settlement amount that you request. The payable upon the earliest of the following: settlement in the course of the mediation is binding only if both parties agree, in writing, on a. 20 days after we receive your proof of loss and a settlement and, you have not rescinded the reach written agreement with you; or settlement within 3 business days after b. 60 days after we receive your proof of loss reaching settlement. You may not rescind and: the settlement after cashing or depositing (1) There is an entry of a final judgment; or the settlement check or draft we provided to (2) There is a filing of an appraisal award or a you. mediation settlement with us. We will pay the cost of conducting any me- Under Florida Statutes we diation conference except when you fail to are required to pay or deny appear at a conference. That conference will an initial, reopened, or then be rescheduled upon your payment of supplemental property the mediator's fee for that rescheduled con- insurance claim or portion of ference. However, if we fail to appear at a a claim, within ninety (90) mediation conference, we will pay your actual days of notice of such claim Page 6 of 10 Includes copy righted material of Insurance Services Office, Inc., with its permission. UPCIC 23 12 13

unless there are reasonable policy period. circumstances which prevent This coverage applies for the policy us from so doing. SECTION II period. - EXCLUSIONS (2) That are sailing vessels, with or without Under 1. Coverage E - Personal Liability and Cov- auxiliary power: erage F - Medical Payments To Others, Items a., g. (a) Less than 26 feet in overall length; and I. are deleted and replaced by the following: (b) 26 feet or more in overall length, not a. Which is expected or intended by one or more owned by or rented to an "insured." "insureds”; l. Arising out of the use, sale, manufacture, de- g. Arising out of: livery, transfer or possession by any person of (1) The ownership, maintenance, use, loading a Controlled Substance(s) as defined under or unloading of an excluded watercraft de- federal law. Controlled Substances include but scribed below; are not limited to cocaine, LSD, marijuana, and (2) The entrustment by an "insured" of an ex- all narcotic drugs. However, this exclusion does cluded watercraft described below to any not apply to the legitimate use of prescription person; or drugs by a person following the orders of a (3) Vicarious liability, whether or not statutorily licensed physician. imposed, for the actions of a child or minor The following exclusions are added: using an excluded watercraft described be- m. caused directly or indirectly by animals you low. own or are kept at the “insured location”. Excluded watercraft are those that are princi- Such loss is excluded for all activity or con- pally designed to be propelled by engine power duct of the insured when an animal owned or or electric motor, including “personal water- kept at the “insured location” is involved in craft” or are sailing vessels, whether owned by any way with the loss either directly or indi- or rented to an "insured." rectly. Such loss is excluded regardless of This exclusion does not apply to watercraft: any other cause or event contributing concurrently or in any sequence to the loss (1) That are not sailing vessels and are powered by: n. caused directly or indirectly by the ownership, maintenance or use by anyone of any (a) Inboard or inboard-outdrive engine or of the following equipment and/or motor power of 50 horsepower or less accessories: (This exclusion n. does not not owned by an "insured"; apply to an HO 08) (b) Inboard or inboard-outdrive engine (1) swimming pool slides; or motor power of more than 50 horsepower not owned by or rented (2) diving boards; to an "insured"; (3) trampolines; and (c) One or more outboard engines or (4) skate board ramps. motors with 25 total horsepower or Such loss is excluded regardless of less; any other cause or event contributing (d) One or more outboard engines or concurrently or in any sequence to the motors with more than 25 total loss.SECTION II - CONDITIONS horsepower if the outboard engine or 1. Limit of Liability is deleted and replaced by the motor is not owned by an "insured"; following: (e) Outboard engines or motors of more 1. Limit of Liability than 25 total horsepower owned by a. Our total liability under Coverage E for all an "insured" if: damages resulting from any one "occurrence" (i) You acquire them prior to the will not be more than the limit of liability for policy period; and Coverage E as shown in the Declarations. All (a) You declare them at policy "bodily injury" and "property damage" resulting inception; or from any one accident or from continuous or (b) Your intention to insure is repeated exposure to substantially the same reported to us in writing general harmful conditions shall be considered within 45 days after you to be the result of one "occurrence". acquire the outboard b. Sub-limit Of Liability engines or motors. Subject to Paragraph a. above, our total li- (ii) You acquire them during the ability under Coverage E for damages for Page 7 of 10 Includes copy righted material of Insurance Services Office, Inc., with its permission. UPCIC 23 12 13

which an "insured" is legally liable because of notice. statutorily imposed vicarious parental liability not otherwise excluded, is $10,000. This sub- (1) When you have not paid the premium, we limit is within, but does not increase the may cancel at any time by letting you know Coverage E limit of liability. at least ten (10) days before the date c. The limit of liability in a. above and sub-limit in cancellation takes effect. b. above apply regardless of the number of (a) However, when a (mortgage "insureds", claims made or persons injured. company) lender is responsible for d. Our total liability under Coverage F for all paying the premium through an medical expense payable for "bodily injury" to escrow account and the premium one person as the result of one accident will not payment is not more than ninety (90) be more than the limit of liability for Coverage F days overdue we will reinstate the as shown in the Declarations. insurance policy, retroactive to the SECTION I AND II - CONDITIONS date of cancellation. The lender shall 2. Concealment or Fraud is deleted and reimburse the insured for any penalty replaced by the following: or fees we imposed upon you for purposes of reinstating the policy. 2. Concealment Or Fraud (2) When this policy has been in effect for a. Under Section I - Property Coverages, ninety (90) days or less, we may cancel with respect to all "insureds" covered under for any reason, except we may not cancel: this policy, we provide no coverage for loss under Section I - Property Coverages if, (a) On the basis of property whether before or after a loss, one or more insurance claims that are the result of "insureds" have: an Act of God, unless we can demonstrate, by claims frequency or (1) Intentionally concealed or otherwise, that the "insured" has failed misrepresented any material fact or to take action reasonably necessary circumstance; as requested by us to prevent (2) Engaged in fraudulent conduct; or recurrence of damage to the insured (3) Made material false statements; property; or relating to this insurance. (b) On the basis of a single claim on a b. Under Section II - Liability Coverages, we property insurance policy which is the do not provide coverage to one or more result of water damage may not be "insureds" who, whether before or after a used as the sole cause for loss, have: cancellation or nonrenewal unless we can demonstrate that the (1) Intentionally concealed or insured has failed to take action misrepresented any material fact or reasonably requested by us to circumstance; prevent a future similar occurrence of (2) Engaged in fraudulent conduct; or damage to the insured property. (3) Made material false statements; Except as provided in Item 5.b. or 5.c.(1) relating to this insurance. above, we will let you know of our action at 5. Cancellation least 20 days before the date cancellation takes effect. Paragraphs b., c., and d. are deleted and replaced by the following and e. is added: (3) When this policy has been in effect for more than ninety (90) days, we may b. When this policy has been in effect for cancel: 90 days or less, we may cancel immediately if there has been a material misstatement (a) If there has been a material misstate- or misrepresentation or failure to comply ment; with underwriting requirements. (b) If the risk has changed substantially c. We may also cancel this policy subject to the since the policy was issued; following provisions. A written cancellation no- (c) In the event of failure to comply with tice, together with the specific reasons for underwriting requirements cancellation, will be delivered to you, or mailed established by us within ninety (90) to you at your mailing address shown in the days of the effective date of Declarations. coverage; Proof of mailing will be sufficient proof of (d) If the cancellation is for all insureds under policies of this type for a Page 8 of 10 Includes copy righted material of Insurance Services Office, Inc., with its permission. UPCIC 23 12 13

given class of insureds; reasonably necessary as requested by us to (e) On the basis of property insurance prevent recurrence of damage to the insured claims that are the result of an property; or Act of God, if we can b. On the basis of filing claims for sinkhole loss demonstrate, by claims frequency However, we may elect not to renew the policy or otherwise, that the "insured" has if: failed to take action reasonably necessary as requested by us to (1) The total of such payments equals or prevent recurrence of damage to exceeds the policy limits of coverage for the insured property; property damage to the covered building, for the policy in effect on the date of loss, as set (f) On the basis of a single claim forth on the declarations page; or which is the result of water damage if we can demonstrate that the (2) You have failed to repair the structure in insured has failed to take action accordance with the engineering reasonably requested by us to recommendations upon which any loss prevent a future similar occurrence payment or policy proceeds were based. of damage to the insured property. c. On the basis of a single claim on a property Except as provided in Item 5.c.(1) above, If the insurance policy which is the result of water "residence premises" has not been insured by us damage may not be used as the sole cause for or any of our affiliated insurers for at least five (5) cancellation or nonrenewal unless the we can years immediately prior to the date of the written demonstrate that the insured has failed to take notice we will let you know at least one hundred action reasonably requested by us to prevent a (100) days before the cancellation takes effect. future similar occurrence of damage to the However, if the cancellation occurs between June insured property 1st and November 30th we are required to give If the "residence premises" has not been insured you the one hundred (100) day notice or written by us or any of our affiliated insurers for at least notice by June 1st whichever is earlier. Proof of five (5) years immediately prior to the date of the mailing will be sufficient proof of notice. written notice we will let you know at least one hundred (100) days before the nonrenewal takes effect. However, if the nonrenewal Except as provided in Item 5.c.(1) above, If the occurs between June 1st and November 30th we "residence premises" has been insured by us or are required to give you the one hundred (100) any of our affiliated insurers for at least five (5) day notice or written notice by June 1st years immediately prior to the date of the written whichever is earlier. Proof of mailing will be notice we will let you know at least one-hundred sufficient proof of notice. and twenty (120) days before the cancellation takes effect. Proof of mailing will be sufficient proof If the "residence premises" has been insured by us of notice. or any of our affiliated insurers for at least five (5) years immediately prior to the date of the written notice we will let you know at least one-hundred d. When this policy is cancelled, the premium and twenty (120) days before the date nonrenewal for the period from the date of takes effect. Proof of mailing will be sufficient proof cancellation to the expiration date will be of notice. refunded pro rata. 8. Subrogation e. If the return premium is not refunded with In Form HO 00 06 the following sentence is added the notice of cancellation or when this policy to the first paragraph of this condition: is returned to us, we will refund it within fifteen (15) working days after the date However, we waive any rights of recovery cancellation takes effect. against the corporation or association of property owners of the condominium where the "residence 6. Nonrenewal is deleted and replaced by the fol- premises" is located. lowing: The following conditions are added: 6. Nonrenewal 10. Renewal Notification We may elect not to renew this policy. However, we will not nonrenew this policy: If we elect to renew this policy, we will let you know, in writing: a. On the basis of property insurance claims that a. Of our decision to renew this policy; and are the result of an Act of God, unless we can b. The amount of renewal premium payable to us. demonstrate, by claims frequency or otherwise, that the "insured" has failed to take action

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This notice will be delivered to you or mailed to you is the subject of a claim must provide at least 48 at your mailing address shown in the Declarations hours notice to the insured or claimant, public at least forty-five (45) days before the expiration adjuster, or legal representative before scheduling date of this policy. a meeting with the claimant or an onsite 11. Advance Notice inspection of the insured property. The insured or claimant may deny access to the property if the A company employee, adjuster, independent notice has not been provided. The insured or adjuster, attorney, investigator, or other persons claimant may waive the 48-hour notice. acting on behalf of us that needs access to an insured or claimant or to the insured property that

All other provisions of this policy apply

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIAL PROVISIONS – FLORIDA DEFINITIONS of the ground within the influence zone of the supporting ground within the sheer plane Definition 5. is deleted and replaced by: necessary for the purpose of supporting such 5. “Occurrence” means an accident, including building as defined within the Florida Building continuous or repeated exposure to substantially the Code; or same general harmful conditions, which results, e. Damage occurring on or after October 15, 2005, during the policy period, in: that qualifies as substantial "structural damage" a. “Bodily injury”; or as defined in the Florida Building Code. b. “Property damage.” “Primary structural member” means a structural Assault or battery is not an “occurrence,” when element designed to provide support and stability for committed by or at the direction of an “insured”. the vertical or lateral loads of the overall structure. The following Definitions are added: “Primary structural system” means an assemblage of “Personal watercraft” means watercraft designed to “primary structural members”. carry one to three people, propelled by a water jet “Catastrophic Ground Cover Collapse” means pump powered by an internal combustion engine and geological activity that results in all of the following: capable of speeds greater than 25 mph. “Personal watercraft” include but are not limited to watercraft a. The abrupt collapse of the ground cover; often referred to as jet skis, wave runners and similar b. A depression in the ground cover clearly visible to watercraft. the naked eye; “Structural damage” means a covered building, c. “Structural damage”, other than settling or regardless of the date of its construction, has cracking, to the covered building insured under experienced the following: this policy, including the foundation; and a. Interior floor displacement or deflection in excess d. The building or structure being condemned and of acceptable variances as defined in ACI 117–90 ordered to be vacated by the governmental or the Florida Building Code, which results in agency authorized by law to issue such an order settlement related damage to the interior such for that building or structure. that the interior building structure or members “Marring” means to: become unfit for service or represents a safety a. Disfigure; hazard as defined within the Florida Building Code; b. Deface; b. Foundation displacement or deflection in excess c. Scar; or of acceptable variances as defined in ACI 318–95 d. Blemish. or the Florida Building Code, which results in settlement related damage to the “primary “Personal Injury” means injury that arises out of one structural members” or “primary structural or more of the following offenses: systems” that prevents those members or a. False arrest, detention or imprisonment; systems from supporting the loads and forces b. Malicious prosecution; they were designed to support to the extent that c. The wrongful eviction from, wrongful entry into, or stresses in those “primary structural members” or invasion of the right of private occupancy of a “primary structural systems” exceeds one and room, dwelling or premises that a person one-third the nominal strength allowed under the occupies, committed by or on behalf of its owner, Florida Building Code for new buildings of similar landlord or lessor; structure, purpose, or location; d. Oral or written publication of material that c. Damage that results in listing, leaning, or buckling slanders or libels a person or organization or of the exterior load bearing walls or other vertical disparages a person’s or organizations goods, “primary structural members” to such an extent products or services; or that a plumb line passing through the center of gravity does not fall inside the middle one-third of e. Oral or written publication of material that violates the base as defined within the Florida Building a person’s right to privacy. Code; “Spalling” is a term that describes the disintegration of d. Damage that results in the building, or any stone or concrete. It can be produced by a variety of portion of the building containing "primary mechanisms, including as a result of: structural members" or “primary structural a. Projectile impact; systems”, being significantly likely to imminently b. Corrosion; collapse because of the movement or instability c. Weathering; Page 1 of 12 Includes copy righted material of Insurance Services Office, Inc., with its permission. UPCIC 23 01 16

d. Cavitation; or b. Tapes, wires, records, discs or other media; e. Excessive rolling pressure (as in a ball bearing). for use with any electronic apparatus described in this Item 10 . “Unoccupied” means the dwelling is not being inhabited as a residence. (This is item 7. in Form HO 00 08 .) 11. $1000 for loss to electronic apparatus, while not in or SECTION I – PROPERTY COVERAGES upon a motor vehicle or other motorized land Under COVERAGE A - Dwelling and COVERAGE B – conveyance, if the electronic apparatus: Other Structures the following is added : a. Is equipped to be operated by power from the Special Limits of Liability electrical system of the vehicle or conveyance Cosmetic and Aesthetic Damage to Floors while retaining its capability of being operated by other sources of power; The total limit of liability for Coverages A and B combined is $10,000 per policy period for cosmetic and aesthetic b. Is away from the “residence premises”; and damages to floors. c. Is used at any time or in any manner for any 1. Cosmetic or aesthetic damage includes but is not “business” purpose. limited to: Electronic apparatus includes: a. Chips; a. Accessories and antennas; or b. Scratches; b. Tapes, wires, records, discs or other media; c. Dents; or for use with any electronic apparatus described in this d. Any other damage; Item 11 . to less than 5% of the total floor surface area and (This is item 8. in Form HO 00 08 .) does not prevent typical floor use. PROPERTY NOT COVERED 2. This limit includes the cost of tearing out and Item 3.b. is deleted and replaced by the following: replacing any part of the building necessary to repair 3. Motor vehicles or all other motorized land the damaged flooring. conveyances. This includes: 3. This limit does not increase the Coverage A or b. Electronic apparatus that is designed to be Coverage B limits of liability shown on the declaration operated solely by use of the power from the page. electrical system of motor vehicles or all other 4. This limit does not apply to cosmetic or aesthetic motorized land conveyances. Electronic damage to floors caused by a Peril Insured Against apparatus includes: as named and described in Coverage C – Personal (1) Accessories or antennas; or Property . (2) Tapes, wires, records, discs or other media; COVERAGE C – PERSONAL PROPERTY for use with any electronic apparatus described in Special Limits of Liability this Item 3.b. Items 6. , 7. , 10. and 11. are deleted and replaced by the The exclusion of property described in 3.a. and 3.b. following: above applies only while the property is in or upon the 6. $2000 for loss by theft of firearms and related vehicle or conveyance. equipment. We do cover vehicles or conveyances not subject to (This Special Limit of Liability 6. does not apply to motor vehicle registration which are: Form HO 00 08 .) a. Used to service an “insured’s” residence; or 7. $2500 for loss by theft of silverware, silver-plated b. Designed for assisting the handicapped; ware, goldware, gold-plated ware, platinum ware, platinum-plated ware; pewterware. This includes Item 10. is added as follows: flatware, hollowware, tea sets, trays and trophies 10. Mopeds or similar motorized bicycles of any made of or including silver, gold or pewter. horsepower. (This Special Limit of Liability 6. does not apply to COVERAGE D – LOSS OF USE Form HO 00 08 .) In Forms HO 00 03 , HO 00 08 Item 1. is deleted and 10. $1000 for loss to electronic apparatus, while in or replaced by the following: upon a motor vehicle or other motorized land 1. If a loss covered under this Section makes that part of conveyance, if the electronic apparatus is equipped to the “residence premises” where you reside not fit to be operated by power from the electrical system of live in, we cover the Additional Living Expense, the vehicle or conveyance while retaining its meaning any necessary increase in living expenses capability of being operated by other sources of incurred by you so that your household can maintain power. Electronic apparatus includes: its normal standard of living. a. Accessories and antennas; or Payment will be for the shortest time required to repair or replace the damage or, if you permanently

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relocate, the shortest time required for your 9. Glass or Safety Glazing Material is deleted and household to settle elsewhere. replaced by the following: ADDITIONAL COVERAGES 9. Glass Or Safety Glazing Material 8. Collapse is deleted and replaced by the following: a. We cover: 8. Collapse (1) The breakage of glass or safety glazing material which is part of a covered building, a. With respect to this Additional Coverage: storm door or storm window; (1) Collapse means an abrupt falling down or caving in of a building or any part of a (2) The breakage, caused directly by Earth building with the result that the building, or Movement, of glass or safety glazing material part of the building, cannot be occupied for its which is part of a covered building, storm intended purpose. door or storm window; and (2) A building or any part of a building that is in (3) The direct physical loss to covered property danger of falling down or caving in is not caused solely by the pieces, fragments or considered to be in a state of collapse. splinters of broken glass or safety glazing material which is part of a building, storm (3) A part of a building that is standing is not door or storm window. considered to be in a state of collapse even if it has separated from another part of the b. This coverage does not include loss: building. (1) To covered property which results because (4) A building that is standing or any part of a the glass or safety glazing material has been building that is standing is not considered to broken, except as provided in a.(3) above; or be in a state of collapse even if it shows (2) On the “residence premises” if the dwelling evidence of cracking, bulging, sagging, has been vacant for more than thirty (30) bending, leaning, settling, shrinkage or consecutive days immediately before the expansion. loss, except when the breakage results b. We insure for direct physical loss to covered directly from Earth Movement as provided for property involving collapse of a building or any in a.(2) above. A dwelling being constructed part of a building if the collapse was caused by is not considered vacant. one or more of the following: Loss to glass covered under this Additional Coverage (1) Perils Insured Against in Coverage C 9. will be settled on the basis of replacement with Personal Property. These perils apply to safety glazing materials when required by ordinance covered buildings and personal property for or law. loss insured by this additional coverage; For Form HO 00 08 , we will pay up to $100 for loss (2) Decay that is hidden from view, unless the under this coverage. presence of such decay is known to you prior This coverage does not increase the limit of liability to collapse; that applies to the damaged property. (3) Insect or vermin damage that is hidden from (This is Additional Coverage 8. in Form HO 00 08 ) view, unless the presence of such damage is known to you prior to collapse; The following Additional Coverage is added to all Forms. (4) Weight of contents, equipment, animals or With respect to Form HO 00 04 , the words 'covered people; building' used below, refer to property covered under (5) Weight of rain which collects on a roof; or Additional Coverage 10. Building Additions And Alterations. (6) Use of defective material or methods in construction, remodeling or renovation if the 11. Ordinance Or Law collapse occurs during the course of the a. You may use up to 25% of the limit of liability that construction, remodeling or renovation. applies to Coverage A for the increased costs Loss to an awning, fence, patio, pavement, you incur due to the enforcement of any swimming pool, underground pipe, flue, drain, ordinance or law which requires or regulates: cesspool, septic tank, foundation, retaining wall, (1) The construction, demolition, remodeling, bulkhead, pier, wharf or dock is not included renovation or repair of that part of a covered under Items (2) , (3) , (4) , (5) , and (6) unless the building or other structure damaged by a Peril loss is a direct result of the collapse of a building Insured Against; or any part of a building. (2) The demolition and reconstruction of the This coverage does not increase the limit of undamaged part of a covered building or liability applying to the damaged covered other structure, when that building or other property. structure must be totally demolished because (This Additional Coverage 8. does not apply to Form of damage by a Peril Insured Against to HO 00 08 .) another part of that covered building or other structure; or

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(3) The remodeling, removal or replacement of SECTION I – PERILS INSURED AGAINST the portion of the undamaged part of a covered building or other structure necessary COVERAGE A – DWELLING and COVERAGE B – to complete the remodeling, repair or OTHER STRUCTURES replacement of that part of the covered In Form HO 00 03 Subsection 2.e.(1) , (3) and (6) are building or other structure damaged by a Peril deleted and replaced with the following: Insured Against. (1) Wear and tear, “marring”, deterioration b. You may use all or part of this ordinance or law (3) Smog, rust, “spalling”, decay or other corrosion; coverage to pay for the increased costs you incur to remove debris resulting from the construction, (6) Settling, shrinking, bulging or expansion, including demolition, remodeling, renovation, repair or resultant cracking, of pavements, patios foundations, replacement of property as stated in a. above. walls, floors, roofs or ceilings except for a “Catastrophic Ground Cover Collapse” loss. c. We do not cover: SECTION I – EXCLUSIONS, 1.b. Earth Movement (1) The loss in value to any covered building or does not apply to a “Catastrophic Ground Cover other structure due to the requirements of Collapse” loss. any ordinance or law; or SECTION I – EXCLUSIONS (2) The costs to comply with any ordinance or law which requires any “insured” or others to 1. Ordinance or Law is deleted and replaced by the test for, monitor, clean up, remove, contain, following: treat, detoxify or neutralize, or in any way 1. Ordinance or Law , meaning any ordinance or law: respond to, or assess the effects of, pollutants on any covered building or other a. Requiring or regulating the construction, structure. demolition, remodeling, renovation or repair of property, including removal of any resulting Pollutants mean any solid, liquid, gaseous or debris. This Exclusion 1.a. does not apply to the thermal irritant or contaminant, including amount of coverage that may be provided for smoke, vapor, soot, fumes, acids, alkalis, under Additional Coverages, Glass Or Safety chemicals and waste. Waste includes Glazing Material or Ordinance Or Law; materials to be recycled, reconditioned or reclaimed. b. The requirements of which result in a loss in value to property; or This coverage is additional insurance. c. Requiring any “insured” or others to test for, (This is Additional Coverage 10. in Form HO 00 06 . monitor, clean up, remove, contain, treat, detoxify and Additional Coverage 9. in Form HO 00 08 ) or neutralize, or in any way respond to, or assess 12. Catastrophic Ground Cover Collapse the effects of, pollutants. “Catastrophic Ground Cover Collapse” coverage is Pollutants mean any solid, liquid, gaseous or added for: thermal irritant or contaminant, including smoke, a. Forms HO 00 03 and HO 00 08 vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, (1) Loss to the property described in Coverage reconditioned or reclaimed. A – Dwelling ; This exclusion applies whether or not the property (2) Loss to the property described in Coverage has been physically damaged. B – Other Structures ; (This is Exclusion 1.a. in Form HO 00 03 .) (3) Loss to contents described for Coverage C – Personal Property. 2. Earth Movement is deleted and replaced by the (This is Additional Coverage 10. in Form HO 00 08) following: b. Form HO 00 06 2. Earth Movement , meaning earthquake, including land shock waves or tremors before, during or after a (1) Loss to the property described in Coverage volcanic eruption; landslide; mine subsidence; A – Dwelling ; mudflow; earth sinking, rising or shifting; unless direct (2) Loss to contents described for Coverage C – loss by: Personal Property. a. Fire; or (This is Additional Coverage 11. in Form HO 00 06 ) b. Explosion; c. Form HO 00 04 loss to contents described for ensues and then we will pay only for the ensuing loss. Coverage C – Personal Property. This Exclusion 2. does not apply to loss by: (This is Additional Coverage 11. in Form HO 00 04) a. Theft; or b. “Catastrophic Ground Cover Collapse”. (This is Exclusion 1.b. in Form HO 00 03 .)

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4. Power Failure is deleted and replaced by the The following are added: following: h. You must give notice of a claim, a supplemental 4. Power Failure , meaning the failure of power or other claim, or a reopened claim for loss or damage utility service if the failure takes place off the caused by the peril of windstorm or hurricane, with “residence premises”. But if the failure of power or us in accordance with the terms of this policy and other utility service results in a loss, from a Peril within three years after the hurricane first made Insured Against on the “residence premises”, we will landfall or the windstorm caused the covered pay for the loss or damage caused by that Peril damage. For purposes of this Section, the term Insured Against. “supplemental claim” or “reopened claim” means (This is Exclusion 1.d. in Form HO 00 03. ) any additional claim for recovery from us for losses from the same hurricane or windstorm which we The following Exclusions are added: have previously adjusted pursuant to the initial Assignee(s) or Third Parties , meaning we will not claim. This Section does not affect any applicable be responsible for payment under SECTION I and II limitations on civil actions for claims, supplemental – CONDITIONS , 7. Assignment, to any assignee(s) claims, or reopened claims timely filed under this or third parties, for payments on losses that are not Section. covered under this policy. i. As often as is reasonably necessary to effectuate Criminal or Illegal Activity , meaning any and all repairs: criminal or illegal acts performed by any insured that (1) Provide access to the property; result in damage to structure or personal property. (2) Execute any necessary city, county or Home Sharing/Bed and Breakfast , including municipal permits for repairs to be covered losses, on homes or condos or any part undertaken; thereof, arising out of participation in home sharing or (3) Execute work authorizations to allow bed and breakfast program, such as Airbnb, Flipkey, contractors entry to the property; and HomeAway, where homes/condos are rented for (4) Otherwise cooperate with repairs to the days, weeks or months. property; (This is added under Exclusion 1. in Form HO 00 03 .) when we exercise Our Option under SECTION I SECTION I – CONDITIONS – CONDITIONS , 9. Glass or Safety Glazing Material. 2. Your Duties After Loss : 3. Loss Settlement (HO 00 03) is deleted and replaced Item f. is deleted and replaced by the following: by the following: f. As often as we reasonably require: 3. Loss Settlement (HO 00 03) property losses are (1) Show us the damaged property and the settled as follows: cause of loss, if possible, except as to any a. Property of the following types: repairs performed under SECTION I – (1) Personal property; ADDITIONAL COVERAGES , 2. Reasonable Repairs. (2) Awnings, carpeting, household appliances, outdoor antennas and outdoor equipment, (2) Provide us with the records and documents whether or not attached to buildings; and we request and permit us to make copies; (3) Structures, other than screened enclosures, (3) Any and all insureds must submit to that are not buildings; recorded statements when requested by us; at actual cash value at the time of loss but not (4) In the County where the “residence more than the amount required to repair or premises” is located you, your agents, your replace. representatives and any and all “insureds” must submit to examinations under oath and b. Buildings under Coverage A or B at replacement sign same when requested by us; cost without deduction for depreciation, subject to At your or our request, the examinations will the following: be conducted other persons except legal (1) If at the time of loss, the amount of insurance representation; in this policy on the damaged building is 80% (5) Permit us to take samples of damaged and or more of the full replacement cost of the undamaged property for inspection, testing building immediately before the loss, we will and analysis; pay the cost to repair or replace, after application of deductible and without (6) Any and all “insureds” must execute all deduction for depreciation, but not more than authorizations for the release of information the least of the following amounts: when requested by us; and (a) The limit of liability under this policy that Cooperate with us in the investigation of a (7) applies to the building; claim.

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(b) The replacement cost of that part of the (a) Vandalism; building damaged for like construction (b) Sprinkler leakage, when caused by or and use on the same premises; or arising out of the freezing of a fire (c) The necessary amount actually spent to protective sprinkler system, unless you repair or replace the damaged building. have protected the system against (2) If, at the time of loss, the amount of freezing; insurance in this policy on the damaged (c) Dwelling glass breakage; building is less than 80% of the full (d) Water damage; replacement cost of the building immediately (e) Theft; or before the loss, we will pay the greater of the following amounts, but not more than the (f) Attempted theft. limit of liability under this policy that applies to Dwellings under construction are not the building: considered vacant. (a) The actual cash value of that part of the (6) In the event of a “Catastrophic Ground Cover building damaged; or Collapse”, any repairs must be made in (b) That proportion of the cost to repair or accordance with the recommendations of our replace, after application of deductible professional engineer. If our professional and without deduction for depreciation, engineer selected or approved by us that part of the building damaged, which determines that repairs cannot be completed the total amount of insurance in this within the applicable limit of insurance, we policy on the damaged building bears will at our option, either: to 80% of the replacement cost of the (a) Complete the professional engineer’s building. recommended repairs; or (3) To determine the amount of insurance (b) Pay the policy limits without a reduction required to equal 80% of the full replacement for the repair expenses incurred. cost of the building immediately before the 3. Loss Settlement (HO 00 06) is deleted and replaced loss, do not include the value of: by the following: (a) Excavations, foundations, piers or any 3. Loss Settlement (HO 00 06) property losses are supports which are below the settled as follows: undersurface of the lowest basement floor; In this Condition 3., the terms “cost to repair or (b) Those supports in (a) above which are replace” and “replacement cost” do not include the below the surface of the ground inside increased costs incurred to comply with the the foundation walls, if there is no enforcement of any ordinance or law, except to the extent that coverage for these increased costs is basement; and provided in 11. Ordinance Or Law under Additional (c) Underground flues, pipes, wiring and Coverages. Covered property losses are settled as drains. follows: (4) We will initially pay at least the actual cash a. Personal property at actual cash value at the value of the insured loss, less any applicable time of loss but not more than the amount deductible. We will then pay any remaining required to repair or replace. amounts necessary to perform such repairs b. Coverage A – Dwelling: as work is performed and expenses are incurred, subject to b.(1) and b.(2) above. (1) At the actual cost to repair or replace. If a total loss of a building or structure insured (2) We will initially pay at least the actual cash under this policy occurs, the provisions of b. value of the insured loss, less any applicable (4) above do not apply and we will pay the deductible. We will then pay any remaining replacement cost coverage without amounts necessary to perform such repairs as reservation or holdback of any depreciation in work is performed and expenses are incurred, value, subject to policy limits. This does not subject to b.(1) above and this item b.(2) . prohibit us from exercising our right to repair If a total loss of a building or structure insured the damaged property in compliance with this under this policy occurs, the provisions of b. policy and pursuant to Florida Statutes. (2) above do not apply and we will pay the (5) If the dwelling where loss or damage occurs replacement cost coverage without reservation has been vacant for more than thirty (30) or holdback of any depreciation in value, consecutive days before the loss or damage, subject to policy limits. This does not prohibit we will: us from exercising our right to repair damaged Not pay for any loss or damage caused by property in compliance with this policy and pursuant to Florida Statutes. any of the following perils, even if they are Perils Insured Against: Page 6 of 12 Includes copy righted material of Insurance Services Office, Inc., with its permission. UPCIC 23 01 16

(3) If the dwelling where loss or damage occurs “residence premises” is located. The appraisers has been vacant for more than thirty (30) will separately set the amount of the loss. If the consecutive days before the loss or damage, appraisers submit a written report of an we will: agreement to us, the amount agreed upon will be Not pay for any loss or damage caused by the amount of the loss. If they fail to agree, they any of the following perils, even if they are will submit their differences to the umpire. A Perils Insured Against: decision agreed to by any two will set the amount of the loss. (a) Vandalism; Each party will: (b) Sprinkler leakage, when caused by or arising out of the freezing of a fire (1) Pay its own appraiser; and protective sprinkler system, unless you (2) Bear the other expenses of the appraisal and have protected the system against umpire equally. freezing; If, however, we demanded the mediation and (c) Dwelling glass breakage; either party rejects the mediation results, you are (d) Water damage; not required to submit to, or participate in, any (e) Theft; or appraisal of the loss as a precondition to action against us for failure to pay the loss. (f) Attempted theft. Dwellings under construction are not 8. Suit Against Us is deleted and replaced by the considered vacant. following: 8. Suit Against Us No action can be brought unless the 6. Appraisal is deleted and replaced by the following: policy provisions have been complied with and the 6. Mediation Or Appraisal action is started within five (5) years after the date of If there is a dispute with respect to a claim under this loss. policy, you or we may: 9. Our Option is deleted and replaced by the following: a. Demand a mediation of the loss in accordance 9. Our Option. with the rules established by the Department of Financial Services. The loss amount must be At our option, in lieu of issuing any loss payment, if $500 or more, prior to application of the we choose to exercise our option: deductible; or there must be a difference of $500 a. For losses settled on an actual cash value basis, or more between the loss settlement amount we we may repair or replace any part of the offer and the loss settlement amount that you damaged property with material or property of like request. The settlement in the course of the kind and quality. mediation is binding only if both parties agree, in b. For losses covered under Coverage A – writing, on a settlement and, you have not Dwelling, insured for Replacement Cost Loss rescinded the settlement within three (3) business Settlement as outlined in SECTION I – days after reaching settlement. You may not CONDITIONS , Loss Settlement, we may repair rescind the settlement after cashing or depositing the damaged property with material of like kind the settlement check or draft we provided to you. and quality without deduction for depreciation. We will pay the cost of conducting any mediation c. We will provide written notice to you no later than conference except when you fail to appear at a thirty (30) days after our inspection of the conference. That conference will then be reported loss. rescheduled upon your payment of the d. You must comply with the duties described in mediator’s fee for that rescheduled conference. SECTION I – CONDITIONS , paragraphs 2.f. , However, if we fail to appear at a mediation 2.h. , and 2.i. conference, we will pay your actual cash e. You must provide access to the property and expenses you incur in attending the conference execute any necessary municipal, county or other and also pay the mediator's fee for the governmental documentation or permits for rescheduled conference. repairs to be undertaken. If we fail to agree on the amount of loss, you or we f. You must execute all work authorizations to allow may: contractors and related parties entry to the b. Request an appraisal of the loss. However, both property. parties must agree to the appraisal process. In g. You must otherwise cooperate with repairs to the this event, each party will choose a competent property. appraiser within twenty (20) days after receiving a h. You are responsible for payment of the written request from the other. The two appraisers deductible stated in your declaration page. will choose an umpire. If they cannot agree upon an umpire within fifteen (15) days, you or we i. Our right to repair or replace, and our decision to may request that the choice be made by a judge do so, is a material part of this contract and under of a court of record in the state where the no circumstances relieves you or us of our mutual duties and obligations under this contract. Page 7 of 12 Includes copy righted material of Insurance Services Office, Inc., with its permission. UPCIC 23 01 16

10. Loss Payment is deleted and replaced by the SECTION II – EXCLUSIONS following: 1. Coverage E – Personal Liability and Coverage F – 10. Loss Payment Medical Payments To Others , items a., f, g. and I. We will adjust all losses with you. We will pay you are deleted and replaced by the following: unless some other person is named in the policy or is a. Which is expected or intended by one or more legally entitled to receive payment. Loss will be “insureds”; payable upon the earliest of the following: f. Arising out of: a. Twenty (20) days after we receive your proof of (1) The ownership, maintenance, use, loading or loss and reach written agreement with you; or unloading of motor vehicles or all other b. Sixty (60) days after we receive your proof of loss motorized land conveyances, including and: trailers, owned or operated by or rented or (1) There is an entry of a final judgment; or loaned to an “insured”; (2) There is a filing of an appraisal award or a (2) The entrustment by an “insured” of a motor mediation settlement with us. vehicle or any other motorized land c. Under Florida Statutes we are required to pay or conveyance to any person; or deny an initial, reopened, or supplemental property (3) Vicarious liability, whether or not statutorily insurance claim or portion of a claim, within ninety imposed, for the actions of a child or minor (90) days of notice of such claim unless there are using a conveyance excluded in paragraph reasonable circumstances which prevent us from (1) or (2) above. so doing. This exclusion does not apply to: Our failure to comply with this paragraph shall not (1) A trailer not towed by or carried on a form the sole basis for an action against us for motorized land conveyance. breach of contract under this policy or for benefits (2) A motorized land conveyance designed for under this policy. recreational use off public roads, not subject 12. Mortgage Clause to motor vehicle registration and: The following is added to 12. Mortgage Clause : (a) Not owned by an “insured”; or We provide coverage to no mortgagee or its (b) Owned by an “insured” and in use on an representative under this policy if, whether before or “insured location”; as defined in definitions after a loss, a mortgagee or its representative has: 4.a. , b. , d. , e. , or h. ; a. Intentionally concealed or misrepresented any (3) A motorized golf cart when used to play golf material fact or circumstance; on a golf course; b. Engaged in fraudulent conduct; or (4) A vehicle or conveyance not subject to motor vehicle registration which is: c. Made material false statements; (a) Used to service an “insured’s” residence; relating to this insurance. (b) Designed for assisting the handicapped; or The following items are added to SECTION I – (c) In dead storage on an ‘insured location”; CONDITIONS: g. Arising out of: Adjustment to Property Coverage Limits. (1) The ownership, maintenance, use, loading or If your policy is a renewal with us, the limit of liability unloading of an excluded watercraft described for Coverages A, B, C and D may be adjusted. below; Any change in the limits of liability indicated above (2) The entrustment by an “insured” of an does not, in any way represent, warrant, or guarantee excluded watercraft described below to any to any person or entity, that: person; or a. These adjustments will keep pace with inflation; or (3) Vicarious liability, whether or not statutorily b. That the amounts of coverage are adequate to imposed, for the actions of a child or minor repair or rebuild any specific building or structure. using an excluded watercraft described below. Deductible. Excluded watercraft are those that are principally designed to be propelled by engine power or Unless otherwise noted in this policy, the following electric motor, including “personal watercraft” or deductible provision applies: are sailing vessels, whether owned by or rented to Subject to the policy limits that apply, we will pay only an “insured”. that part of the total of all loss payable under SECTION This exclusion does not apply to watercraft: I that exceeds the deductible amount shown in the Declarations. (1) That are not sailing vessels and are powered by:

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(a) Inboard or inboard-outdrive engine or (3) Out of the inhalation of paint that has lead in motor power of 50 horsepower or less not it; owned by an “insured”; (4) Out of the inhalation of paint that has lead (b) Inboard or inboard-outdrive engine or compounds in it; motor power of more than 50 horsepower (5) From radon, or any other substance that not owned by or rented to an “insured”; emits radiation; (c) One or more outboard engines or motors (6) In any manner (including liability imposed by with 25 total horsepower or less; or law) from the discharge, disposal, release or (d) One or more outboard engines or motors escape of: with more than 25 total horsepower if the (a) Vapors or fumes; outboard engine or motor is not owned by (b) Gas or oil; an “insured”. (c) Toxic chemicals, liquid or gas; (2) That are sailing vessels, with or without (d) Waste materials; and auxiliary power: (e) Irritants, contaminants or pollutants. (a) Less than 26 feet in overall length; (b) 26 feet or more in overall length, not p. Arising out of criminal activity, meaning any and owned by or rented to an “insured”; all criminal acts performed by any “insured” regardless of whether the consequences of (3) That are stored; those acts were intended or anticipated. l. Arising out of the use, sale, manufacture, delivery, q. Arising out of assault or battery, by or at the transfer or possession by any person of a direction of an “insured”. Controlled Substance(s) as defined under federal law. Controlled Substances include but are not r. Occurring on the “residence premises” arising limited to cocaine, LSD, marijuana, and all out of participation in home sharing or bed and narcotic drugs. However, this exclusion does not breakfast program such as Airbnb, Flipkey, or apply to the legitimate use of prescription drugs by HomeAway. a person following the orders of a licensed 4. Coverage E – Personal Liability and Coverage F – healthcare professional. Medical Payments To Others do not apply to The following Exclusions are added: “Personal Injury”: m. caused directly or indirectly by animals you own a. Caused by or at the direction of an “insured” with or are kept at the “insured location”. Such loss is the knowledge that the act would violate the excluded for all activity or conduct of the insured rights of another and would inflict “personal when an animal owned or kept at the “insured injury”; location” is involved in any way with the loss b. Arising out of oral or written publication of either directly or indirectly. Such loss is excluded material, if done by or at the direction of an regardless of any other cause or event “insured” with knowledge of its falsity; contributing concurrently or in any sequence to c. Arising out of oral or written publication of the loss material whose first publication took place before n. caused directly or indirectly by the ownership, the beginning of the policy period; maintenance or use by anyone of any of the d. Arising out of a criminal act committed by or at following equipment and/or accessories: the direction of an “insured”; (1) swimming pool slides; e. Arising out of liability assumed by an “insured” (2) diving boards; under any contract or agreement except any (3) trampolines; and indemnity obligation assumed by an “insured” (4) skate board ramps. under a written contract directly relating to the Such loss is excluded regardless of any other ownership maintenance or use of the premises; cause or event contributing concurrently or in f. Sustained by any person as a result of an offense any sequence to the loss. directly or indirectly related to the employment of (This Exclusion n. does not apply to Form HO 00 this person by an “insured”; 08 .) g. Arising out of or in connection with a “business” o. Coverage E – Personal Liability and conducted from an “insured location” or engaged Coverage F – Medical Payments to Others do in by an “insured,” whether or not the “business” not apply to “bodily injury” or “property damage” is owned or operated by an “insured” or employs arising: an “insured”. (1) Out of the ingestion of paint that has lead in This exclusion applies but is not limited to an act or it; omission, regardless of its nature or circumstance, involving a service or duty rendered, promised, owed (2) Out of the ingestion of paint with lead or implied to be provided because of the nature of the compounds in it; “business”.

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SECTION II – CONDITIONS 5. Cancellation 1. Limit of Liability is deleted and replaced by the 5. Cancellation is deleted and replaced by the following: following: 1. Limit of Liability a. You may cancel this policy at any time, for any reason, by giving us advance written notice of the a. Our total liability under Coverage E for all future cancellation effective date. damages resulting from any one “occurrence” will not be more than the limit of liability for Coverage b. When this policy has been in effect for ninety (90) E as shown in the Declarations. All “bodily injury” days or less, we may cancel immediately if there and “property damage” resulting from any one has been a material misstatement or accident or from continuous or repeated exposure misrepresentation or failure to comply with to substantially the same general harmful underwriting requirements. conditions shall be considered to be the result of c. We may also cancel this policy subject to the one “occurrence”. following provisions. A written cancellation notice, b. Sub-limit Of Liability together with the specific reasons for cancellation, will be delivered to you, or mailed to Subject to Paragraph a. above, our total liability you at your mailing address shown in the under Coverage E for damages for which an Declarations. “insured” is legally liable because of statutorily imposed vicarious parental liability not otherwise Proof of mailing will be sufficient proof of notice. excluded, is $10,000. This sub-limit is within, but (1) When you have not paid the premium, we does not increase the Coverage E limit of liability. may cancel at any time by letting you know c. The limit of liability in a. above and sub-limit in b. at least ten (10) days before the date above apply regardless of the number of cancellation takes effect. “insureds”, claims made or persons injured. However, when a (mortgage company) d. Our total liability under Coverage F for all lender is responsible for paying the premium medical expense payable for “bodily injury” to one through an escrow account and the premium person as the result of one accident will not be payment is not more than ninety (90) days more than the limit of liability for Coverage F as overdue we will reinstate the insurance shown in the Declarations. policy, retroactive to the date of cancellation. The lender shall reimburse the insured for SECTION I AND II – CONDITIONS any penalty or fees we imposed upon you 2. Concealment or Fraud is deleted and replaced by for purposes of reinstating the policy. the following: (2) When this policy has been in effect for ninety (90) days or less, we may cancel for 2. Concealment Or Fraud any reason, except we may not cancel: a. Under SECTION I – PROPERTY COVERAGES, (a) On the basis of property insurance with respect to all “insureds” covered under this claims that are the result of an Act of policy, we provide no coverage for loss under God, unless we can demonstrate, by SECTION I – PROPERTY COVERAGES if, claims frequency or otherwise, that the whether before or after a loss, one or more “insured” has failed to take action “insureds” have: reasonably necessary as requested by (1) Intentionally concealed or misrepresented us to prevent recurrence of damage to any material fact or circumstance; the insured property; or (2) Engaged in fraudulent conduct; or (b) On the basis of a single claim on a (3) Made material false statements; property insurance policy which is the relating to this insurance. result of water damage may not be used b. Under SECTION II – LIABILITY COVERAGES, as the sole cause for cancellation or we do not provide coverage to one or more nonrenewal unless we can demonstrate that the insured has failed to take action “insureds” who, whether before or after a loss, reasonably requested by us to prevent a have: future similar occurrence of damage to (1) Intentionally concealed or misrepresented the insured property. any material fact or circumstance; (c) On the basis of the lawful use, (2) Engaged in fraudulent conduct; or possession, or ownership of a firearm or (3) Made material false statements; ammunition by an “insured” or household relating to this insurance. member of an “insured”. However, we will not deny a claim based on credit Except as provided in Item 5.b. or 5.c. (1) information available in public records, whether above, we will let you know of our action at disclosed or undisclosed, if the policy has been in least twenty (20) days before the date effect for more than ninety (90) days. cancellation takes effect.

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(3) When this policy has been in effect for more b. On the basis of filing claims for sinkhole loss than ninety (90) days, we may cancel: However, we may elect not to renew the policy if: (a) If there has been a material (1) The total of such payments equals or misstatement; exceeds the policy limits of coverage for (b) If the risk has changed substantially property damage to the covered building, for since the policy was issued; the policy in effect on the date of loss, as set (c) In the event of failure to comply, within forth on the declarations page; or ninety (90) days after the effective date of (2) You have failed to repair the structure in coverage, with underwriting requirements accordance with the engineering established by us before the effective recommendations upon which any loss date of coverage; payment or policy proceeds were based. (d) If the cancellation is for all insureds under c. On the basis of a single claim on a property policies of this type for a given class of insurance policy which is the result of water insureds; damage may not be used as the sole cause for (e) On the basis of property insurance claims cancellation or nonrenewal unless we can that are the result of an Act of God, if demonstrate that the insured has failed to take we can demonstrate, by claims action reasonably requested by us to prevent a frequency or otherwise, that the “insured” future similar occurrence of damage to the has failed to take action reasonably insured property; necessary as requested by us to prevent d. On the basis of credit information available in recurrence of damage to the insured public records; property; e. On the basis of the lawful use, possession, or (f) On the basis of a single claim which is ownership of a firearm or ammunition by an the result of water damage if we can “insured” or household member of an “insured”. demonstrate that the insured has failed We shall give the first named “insured” at least one to take action reasonably requested by hundred and twenty (120) days before the date us to prevent a future similar occurrence nonrenewal takes effect. Proof of mailing will be of damage to the insured property. sufficient proof of notice. However, we may not cancel based on credit information available in public records after a 8. Subrogation is deleted and replaced by the policy has been in effect for more than ninety following: (90) days; or based on the lawful use, 8. Our Right to Recover Payment possession or ownership of a firearm or a. If we make a payment under this policy and the ammunition by an “insured” or household person to or for whom payment was made has a member of an “insured”. right to recover damages from another, we shall Except as provided in Item 5.c.(1) above, we be subrogated to that right. That person shall do: will let you know at least one hundred twenty (1) Whatever is necessary to enable us to (120) days before the cancellation takes exercise our rights; and effect. Proof of mailing will be sufficient proof (2) Nothing after loss to prejudice them. of notice. b. If we make a payment under this policy and the d. When this policy is cancelled, the premium for person to or for whom payment is made recovers the period from the date of cancellation to the damages from another, that person shall: expiration date will be refunded pro rata. (1) Hold in trust for us the proceeds of the e. If the return premium is not refunded with the recovery; and notice of cancellation or when this policy is returned to us, we will refund it within fifteen (15) (2) Reimburse us to the extent of our payment . working days after the date cancellation takes The following conditions are added: effect. 10. Renewal Notification 6. Nonrenewal is deleted and replaced by the following: If we elect to renew this policy, we will let you know, 6. Nonrenewal in writing: We may elect not to renew this policy. However, we a. Of our decision to renew this policy; and will not nonrenew this policy: b. The amount of renewal premium payable to us. a. On the basis of property insurance claims that This notice will be delivered to you or mailed to you at are the result of an Act of God, unless we can your mailing address shown in the Declarations at demonstrate, by claims frequency or otherwise, least forty five (45) days before the expiration date of that the “insured” has failed to take action this policy. reasonably necessary as requested by us to prevent recurrence of damage to the insured property; or Page 11 of 12 Includes copy righted material of Insurance Services Office, Inc., with its permission. UPCIC 23 01 16

11. Advance Notice A company employee, adjuster, independent adjuster, attorney, investigator, or other persons acting on behalf of us that needs access to an insured or claimant or to the insured property that is the subject of a claim must provide at least forty-eight (48) hours notice to the insured or claimant, public adjuster, or legal representative before scheduling a meeting with the claimant or an onsite inspection of the insured property. The insured or claimant may deny access to the property if the notice has not been provided. The insured or claimant may waive the forty-eight (48) hour notice.

All other provisions of this policy apply.

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALENDAR YEAR HURRICANE DEDUCTIBLE WITH SUPPLEMENTAL REPORTING REQUIREMENT - FLORIDA

A. Loss By Windstorm During A Hurricane shall be the greater of any remaining amount As respects Paragraph C. Hurricane Deductible, of the hurricane deductible for that calendar coverage for loss caused by the peril of windstorm year or the amount of the deductible that ap- during a hurricane which occurs anywhere in the plies to perils other than a hurricane. (*) state of Florida, includes loss to the inside of a 3. If there are covered hurricane losses in a cal- building or the property contained in a building endar year on more than one policy issued by caused by rain, snow, sleet, hail, sand or dust if us or by a member of our insurance group, the the direct force of the windstorm damages the hurricane deductible shall be the highest building, causing an opening in a roof or wall and amount stated in any one of the policies. If you the rain, snow, sleet, hail, sand or dust enters had a hurricane loss in the same calendar through this opening. year under the prior policy, and we provide a B. Hurricane Described lower hurricane deductible under the new or 1. A hurricane means a storm system that has renewal policy, the lower deductible will not been declared to be a hurricane by the Na- apply until January 1 of the following calendar tional Hurricane Center of the National year. Weather Service. 4. In the event you should have any windstorm 2. A hurricane occurrence: loss caused by a hurricane occurrence which a. Begins at the time a hurricane watch or is less than your hurricane deductible, you warning is issued for any part of Florida by must promptly report the loss to us so that the National Hurricane Center of the Na- such losses may be applied to subsequent tional Weather Service; and hurricane claims during the same calendar b. Ends 72 hours following the termination of year. the last hurricane watch or hurricane 5. Refer to the policy declarations for the de- warning issued for any part of Florida by ductible that applies to windstorm loss if the the National Hurricane Center of the Na- circumstances of the loss described above do tional Weather Service. not apply. C. Hurricane Deductible All other provisions of this policy apply. 1. In the event of a single hurricane loss, we will (*) Multiple Hurricane Example: pay only that part of the total of all loss pay- If: able under Property Coverages for loss by windstorm during a hurricane that exceeds the A policy is written effective July 1, 2007 and on Au- hurricane percentage or flat dollar deductible gust 1, 2007 a hurricane causes damage to covered stated in this endorsement or as indicated in property in excess of the hurricane deductible. The loss is paid, less the hurricane deductible. the Declarations. If a percentage, the dollar amount of the hurri- A hurricane then occurs on September 1, 2007 and cane percentage deductible is determined by damages covered property. The loss is paid less the multiplying the limit of liability of Coverage A, deductible that applies to perils other than a hurri- B, or D shown in the Declarations, whichever cane. is greatest, by the percentage amount shown On June 1, 2008, a hurricane causes damage to in the Schedule above or as indicated in the covered property. A new 2008 hurricane deductible Declarations, but in no event shall be less applies. Assume the damage is only one quarter of the amount of the 2008 hurricane deductible and than $500. 2. The hurricane deductible applies on an annual therefore the loss is not paid by us. basis to all covered hurricane losses that oc- The policy is renewed effective July 1, 2008. A hurri- cur during the same calendar year under this cane occurs on September 1, 2008. The loss is paid policy or under a policy(ies) issued by a mem- less an amount equal to the greater of the amount of ber of our insurance group. In the event of a the three-quarters of the 2008 hurricane deductible subsequent hurricane occurring during the still remaining or the amount of the deductible that same calendar year and there was a loss from applies to perils other than a hurricane. a prior hurricane, the hurricane deductible

UPCIC 25 01 98 (06-07) Includes copyrighted material of Insurance Services Office, with its permission Page 1 of 1

UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY OUTLINE OF YOUR HOMEOWNERS POLICY This outline is being provided to help you more easily direct physical losses except as limited or excluded by understand your Homeowners Policy. It highlights the your policy, caused by: Fire or Lightning; Windstorm or major coverages, exclusions, limitations and deductibles Hail; Explosion; Riot or Civil Commotion; Aircraft; of your policy and provides information on discounts, Vehicles; Smoke; Vandalism or Malicious Mischief; surcharges, cancellation and nonrenewal. However, this Theft; Falling Objects; Accidental Discharge or is just a guide and not a legal contract. Please read Overflow of Water from Plumbing, Heating, Air your Homeowners policy carefully for complete Conditioning or Household Appliance; and Freezing of descriptions and details. Plumbing or Household Appliances. The following outline is for informational purposes Note: If your property is located in a Florida only. Florida law prohibits this outline from Windstorm Underwriting Association (FWUA) changing any of the provisions of the insurance designated area, "Windstorm or Hail" coverage must be contract which is the subject of this outline. Any excluded from your policy. Be sure to obtain this endorsement including changes in types of coverage, important coverage if it has been excluded from your coverage limits, exclusions, deductibles, renewal or policy. cancellation provisions, surcharges, credits, or any other PROPERTY EXCLUSIONS changes will be sent separately. This policy does not provide protection under Coverages SECTION I - PROPERTY COVERAGE A, B and C, if applicable to your policy, for losses Coverage A - Dwelling resulting in any manner from: Earth Movement, other than a covered sinkhole loss; Flood; Off Premises Power Applies to your residence premises and protects your Failure; Neglect; War or Nuclear Hazard; and, dwelling and structures attached to your dwelling. It also Intentional or Criminal Acts. protects against covered loss to building materials located on your residence premises which are being used Please review your policy for a complete list of in connection with your residence premises. exclusions.

Coverage B - Other Structures SECTION II - LIABILITY COVERAGE Protects against covered loss to any structure on your Coverage E - Personal Liability residence premises, that is not used for business purposes, not physically attached to the dwelling Generally provides coverages for bodily injury or property damage that you or a person insured under your Coverage C - Personal Property policy are legally obligated to pay. The bodily injury or Protects against covered loss to your personal property property damage must arise from an occurrence covered such as clothing and furniture. Special limits apply to under Section II of your policy. Coverage for Animal some types of personal property including but not limited Liability, under certain conditions, and Home Day Care to: money, securities, watercraft, theft of jewelry, Operations, is not covered. firearms and silverware. Please review your policy for a Coverage F - Medical Payments To Others complete list of items that have special limits or are excluded. Provides coverages for reasonable and necessary medical expenses if a guest is injured on your premises or off the Coverage D - Loss Of Use insured premises under certain circumstances. The Protects against loss resulting from any additional living bodily injury must arise from an occurrence covered expenses you incur while you are temporarily unable to under Section II of your policy with limited exceptions. live at your home because of a covered loss. Payment Note: Coverage E - Personal Liability and Coverage F - would include such items as temporary lodging and Medical Payments To Others do not apply to "Bodily increased costs for food. Injury" or "Property Damage" arising out of the PERILS INSURED AGAINST ingestion or inhalation of lead in any form or substance. This policy insures under Coverage A, B, and C, if Radon and pollutants are also excluded. applicable to your policy, against sudden and accidental

UPCIC-3 (1/98) Page 1 of 2 UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY OUTLINE OF YOUR HOMEOWNERS POLICY NONRENEWAL AND CANCELLATION The following are brief descriptions of the premium PROVISIONS credits that may be available on your homeowners policy. Your policy Declarations page will show which All cancellations are granted a pro-rata return of of these credits, if any, apply to your policy. premium. Pro-rata means no Penalty for early cancellation. Protective Devices - If your home has a central station burglar alarm, central station fire alarm or automatic fire Your Right To Cancel sprinkler system, you maybe eligible for premium You may cancel the policy at any time, for any reason, credits. by giving us advance written notice of the future Deductible Credits - A hurricane deductible of 2% and cancellation effective date. a standard deductible of $1,000 apply to your policy, Our Right to Cancel however if your policy excludes wind the hurricane If your policy has been in effect for 90 days or less and deductible does not apply. This is the amount of the loss the insurance is canceled for other than nonpayment of you must incur before this policy pays. Deductible premium we may cancel for any valid reason by giving options greater than the standard deductibles may be you at least 20 days notice before the cancellation available at a premium credit. Deductibles less than the effective date, except where there has been a material standard deductibles may be available which will result misstatement, misrepresentation, or failure to comply in premium increase. with underwriting requirements established in the first 90 Windstorm Protective Device - This credit is available days, then we may cancel immediately. for homes equipped with qualifying storm shutters or If your policy has been in effect over 90 days, or if your other protective devices. policy is a renewal with us, we may cancel your policy Building Code Compliance - This credit is available on for only a limited number of reasons by giving you at homes built in compliance with accepted national least 90 days advance written notice before the building codes designed to lessen the effect of losses cancellation becomes effective. These include but are not resulting from windstorms and hurricanes. limited to material misstatement or substantial change of risk. Superior Construction - Certain homes of fire resistive or wind resistive construction are eligible for a premium If the cancellation is due to nonpayment of premium, we credit. will give you at least 10 days advance written notice. Please contact your Agent for further information Nonrenewal regarding the above Credits. If we do not intend to renew your policy we will mail notice to you at least 90 days before the expiration date of the policy. The renewal premium payment must be received no later than the renewal date or the policy will terminate.

PREMIUM CREDITS THIS OUTLINE IS FOR INFORMATIONAL PURPOSES ONLY. READ YOUR POLICY CAREFULLY. YOUR AGENT WILL ASSIST YOU WITH ANY QUESTIONS ABOUT YOUR POLICY.

UPCIC-3 (1/98) Page 2 of 2

UNIVERSAL INSURANCE HOLDINGS, INC. 1110 W. Commercial Blvd., Suite 300 Fort Lauderdale, FL 33309

PRIVACY STATEMENT

The affiliates of Universal Insurance Holdings, Inc., strive to provide you with high quality insurance products and efficient customer service. In the course of doing so, we obtain personal information about you and your family. We consider this information confidential and have procedures in place to protect the information against unlawful use and disclosure. We will disclose your information only as necessary to process your requests for insurance, to provide services to you as a policyholder or claimant, and as otherwise allowed or required by law.

The following statements describe how we obtain and use information about you, and how we protect that information. This statement applies to our affiliates identified below, and applies not only to current customers but also to our former customers. You do not need to take any action in response to this notice.

Personal Information We Collect

In connection with providing products and services to you, we obtain information from several sources. Most of the information we obtain comes directly from you, such as through the insurance applications you submit and other interactions you have with us. From these interactions with you, we learn information such as your name, address, telephone number, existing coverages, desired coverages, and similar information.

We also learn information about you from your transactions with us. This may include information such as your current or past coverages and related information, your premium levels, your payment history, your claims history, and other information. Your insurance agent also may provide information to us, such as requested additions or deletions of coverage and updated contact information for you. Finally, we may receive information from outside parties that has a bearing on your eligibility for products or services in which you are or might be interested. These parties may include consumer reporting agencies, claims reporting services, motor vehicle records bureaus, or other sources. Information obtained from these sources may include your prior claims history, information about any prior civil or criminal actions in which you have been involved, financial information, and other information about your background.

If you visit an Internet site that we maintain, we might request certain information about you that will enable us to identify you as a user, including your name, a user name, a password, and password reminders. We also might obtain information about your web browser, operating system and similar information to improve the performance and operation of our site.

Rev. 04/14 Our Use of Your Personal Information

We do not share the information we collect with other parties, except our affiliates, nonaffiliated parties performing contractual services for us, and as otherwise required or permitted by law. Universal Insurance Holdings, Inc. is a holding company with various subsidiaries providing various products and services relating to insurance and other financial services. The companies also may offer other products and services as the Universal Insurance Holdings family grows. In order to provide you with access to these products and services, and to improve our service to you, we may share information among members of our corporate family. The information we share among affiliates is limited to information about your transactions and experiences with us and to information that we otherwise are permitted to disclose by law.

When we provide information to parties performing contractual services for us (such as marketing and research), we contractually require those parties to preserve the confidentiality of your personal information. As indicated above, we also might share information that we obtain about you with nonaffiliated parties as allowed or required by law. This means that we will share information with parties as necessary to effect, administer, or enforce transactions that you request. In other words, we might provide your information, for example, to a company that prints and mails our insurance policies, or to a company that adjusts claims you report to us. Finally, we are permitted or required to share information with certain other parties listed in federal law and state rules, such as insurance advisory organizations, our attorneys and accountants, consumer reporting agencies, and civil and regulatory authorities.

How We Protect Your Personal Information

We maintain physical, electronic, and procedural safeguards to ensure the confidentiality of the personal information we obtain about you. We restrict access to your personal information to those employees who need to know that information to provide services to you.

This summary of our practices is furnished for your information. No action is required by you upon receipt of this notice.

This notice describes the practices and procedures of Universal Insurance Holdings, Inc. and the subsidiaries listed below regarding products or services that you obtain from any of them. If you obtain financial products or services from other members of our corporate family, you will receive a separate notice identifying their practices and procedures.

Universal Property & Casualty Insurance Company American Platinum Property and Casualty Insurance Company Universal Risk Advisors, Inc. Atlas Premium Finance Company Universal Adjusting Corporation Universal Inspection Corporation Blue Atlantic Reinsurance Corporation Universal Florida Insurance Agency, Inc. Coastal Homeowners Insurance Specialists, Inc.

Rev. 04/14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

SWIMMING POOL LIABILITY EXCLUSION

This endorsement modifies the insurance provided by the policy:

This insurance does not apply to any loss, cost, damage, expense, injury, “bodily injury,” or “property damage” which occurs:

a. in, at, or around a swimming pool, including but not limited to a diving board or slide, or

b. on or upon a swimming pool patio or deck.

All other terms and conditions of the policy remain the same.

UPCIC SPL (05/08) Page 1 of 1