HOMEOWNERS FORM TABLE OF CONTENTS

POLICY...... 1 SECTION I - CONDITIONS...... 14 AGREEMENT...... 1 SECTION I - HOW WE SETTLE LOSSES...... 16 DEFINITIONS...... 1 SECTION II - LIABILITY COVERAGE...... 18 Coverage E - Personal Liability...... 18 SECTION I - PROPERTY COVERAGE...... 4 Coverage F - Medical Expense...... 18 Coverage A - Dwelling...... 4 Coverage B - Other Structures...... 4 SECTION II - EXCLUSIONS...... 18 Coverage C - Personal Property...... 4 Coverage D - Loss Of Use...... 6 SECTION II - ADDITIONAL COVERAGE...... 22 SECTION I - PERILS...... 6 SECTION II - CONDITIONS...... 23 SECTION I - EXCLUSIONS...... 8 GENERAL CONDITIONS...... 24 SECTION I - ADDITIONAL COVERAGE...... 11

POLICY

This policy is a legal contract between you and us. Your policy consists of the DECLARATIONS, the HOMEOWNERS FORM, all ENDORSEMENTS, and your INSURANCE APPLICATION. The policy details the rights and duties of you and us. READ YOUR POLICY CAREFULLY.

AGREEMENT

We agree with you, in return for your premium payment, to insure you subject to all the terms of this policy.

DEFINITIONS

The following definitions apply throughout this policy’s a. value of damaged property; form and endorsements. Defined terms are in bold b. change in value of damaged property type and have the same meaning whether in the directly due to the loss; singular, plural, or any other form. c. cost to repair damaged property; or A. You and your mean a named insured shown in d. cost to replace damaged property; the Declarations or, if living in the same less a deduction that reflects depreciation, age, household: condition, and obsolescence at the time of 1. a named insured’s spouse; or loss. 2. a person who has entered into a domestic Actual cash value may be significantly less partnership or civil union with a named insured than replacement cost. if such partnership or union: 2. Bodily injury means physical injury, sickness, a. is recognized under the laws of the state in disease, or death of any person. It includes which a named insured resides; resulting loss of services, loss of consortium, b. grants equivalent rights and responsibilities and required care. to its members as those granted to a 3. Business means: spouse under state law; and a. a full-time, part-time, or occasional c. has been registered with or filed with the employment, trade, profession, or state or local government responsible for occupation; or recording such partnerships or unions. b. any other activity engaged in for money or B. We, us, and our mean the company shown in the any other type of revenue, except the Declarations that provides this insurance. following: C. In addition, we define these words and phrases: (1) volunteer activities for which the only 1. Actual cash value. This means the least of payment received is for expense the: incurred to perform the activity;

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(2) selling energy generated on the c. bathroom; and residence premises back to a public d. living spaces. utility; 10. Insured: (3) providing home day care services for a. This means: which no revenue is received, other (1) you; or than the mutual exchange of such (2) a household member who is: services; or (a) a relative; or (4) providing home day care services to a relative. (b) under the age of 21 and in your care or the care of a household 4. Current construction. member who is a relative. a. This means: b. This also means under Section II of this (1) methods and materials commonly policy: used by local building trades in (1) a person you give your permission to standard new construction to frame a have custody of or to use: structure that is of similar utility to your structure; and (a) a vehicle or watercraft covered by this policy; or (2) methods, materials, fixtures, parts, and finishes commonly used by local (b) an animal owned by an insured building trades in new construction to described in 10.a. above; finish the exterior and interior of a when such custody or use is not in the structure that are of similar quality course of any type of business and utility as those in your structure. activity. b. Current construction does not mean any (2) a person while working as a domestic additional costs to repair or replace employee of an insured described in antiquated or obsolete construction in your 10.a. above. structure with like kind and quality. Each person described above is a separate Current construction does not include insured under this policy. This does not the additional costs of: increase any limit in this policy. Each limit is (1) plaster over wood lath interior walls; the most we will pay for any loss or (2) stone foundations; occurrence regardless of the number of insureds or claimants involved, persons (3) weight-and-pulley windows; or injured, claims made, or suits brought. other antiquated or obsolete construction. 11. Insured location means: 5. Declarations. This means the pages showing a. the residence premises; your coverage, limits, covered property, premiums, and other information for this policy. b. if you notify us within 30 days of This includes all POLICY CHANGE documents acquisition, the part of a residential that apply to this policy. premises you acquire as your new residence during the policy period; 6. Domestic employee means a person you employ to perform only domestic duties: c. a premises you use in connection with the residence premises; a. including those necessary to clean, maintain, or help enable the use of the d. any part of a premises: residence premises; or (1) not owned by or leased to an insured; b. at other locations for you or any insured; and only if such person is your employee per the (2) where an insured is temporarily United States Tax Code. residing; This does not include any person while e. land that an insured owns, rents, or leases performing duties for any insured’s business. that is vacant land. 7. Endorsement. This means a form that Vacant land may contain structures changes, adds, reduces, or removes the terms, including fences, that are not buildings or conditions, or coverage of this policy. swimming pools, only if such structures are for the personal use of an insured. 8. Fungi. This means any type or form of fungus. This includes but is not limited to mold or Vacant land does not mean any: mildew, and any mycotoxins, spores, scents, or (1) farmland; by-products produced or released by fungi. (2) land used for business; or 9. Household. This means the persons who are (3) land on which any: residents of your housing unit. (a) structure; or Your housing unit is where you reside on the (b) building; residence premises and has its own: designed or used for farming or a. entry; business exists; b. kitchen;

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f. land that an insured owns, rents, or leases (4) garbage, refuse, other waste, material on which a one or two family dwelling is to be recycled; or being built as a residence for an insured; (5) any substance any governmental or agency lists as a controlled chemical g. individual or family cemetery plots or burial or hazardous substance. vaults of an insured. c. Pollutant does not mean: 12. Limit. This means the most that we will pay (1) the excretion, secretion, or under any coverage. We do not have any decomposition of any animal; or liability for any payment above any limit in this (2) a contaminant or irritant from a fire. policy. 17. Property damage means physical damage to 13. Livestock. or destruction of tangible property. This a. This means farm animals including but not includes loss of its use. limited to any: 18. Relative. This means a person related to you (1) cattle; by blood, marriage, or adoption. (2) horse; 19. Residence premises. (3) pony; a. This means the: (4) mule; (1) one family dwelling you own and you (5) donkey; reside in; (6) buffalo; (2) two family dwelling you own and you (7) swine; reside in one of the dwelling units; or (8) llama; (3) part of any other residence where you (9) alpaca; reside; (10)sheep; or that is shown as the residence premises (11)goat. in the Declarations. b. Livestock does not mean any: b. Residence premises includes: (1) domestic fowl, including any chicken or (1) other structures and grounds at the duck, that is raised for consumption by location in 19.a. above; and the household; or (2) that part of any other residence you do (2) domestic pet, including a dog or cat. not own while you are temporarily residing there because your dwelling 14. Nuclear hazard. This means any type or form on the residence premises is being of nuclear reaction, radiation, or contamination repaired, renovated, or rebuilt and however caused. This includes any direct or your dwelling unit is unfit to live in. resulting damage, regardless of whether the nuclear reaction, radiation, or contamination is 20. Structure. caused by any: a. This means a man-made object requiring a. act or failure to act; site preparation of the earth to enable its construction at a set location. A structure b. natural event; or must be a permanent and stationary part of c. design, construction, care for, or use of the realty. This includes a building any nuclear facility, material, or device. permanently attached to a concrete 15. Occurrence means an accident, including foundation. This also includes a retaining continuous or repeated exposure to wall, walkway, or driveway. substantially the same general harmful b. Structure does not mean any type of hot conditions, which results during the policy tub, whirlpool, or spa that is manufactured period in: for use above ground. a. bodily injury; or c. A pier, wharf, or dock is a structure only if b. property damage. it is permanently attached into the earth 16. Pollutant. and not removed on a seasonal basis. a. This means any contaminant or irritant 21. Uninhabited. This means you do not reside regardless if it is: at, have moved from, or vacated your dwelling (1) man-made or natural; on the residence premises. This definition (2) a solid, liquid, gas, compound; or does not change regardless of the presence of (3) thermal irritant. any personal property that may be on the b. This includes but is not limited to: residence premises. (1) lead, mercury, radon, asbestos, Uninhabited does not mean those instances in formaldehyde; which: (2) solvents, alkalis, acids; a. we consent in writing to: (3) gasoline, diesel, alcohol, kerosene, (1) your reason for not residing at, moving heating oil, or any other type of from, or vacating your dwelling on the petroleum based or bio-based fuel; residence premises; and

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(2) the steps you take to safeguard the c. destruction, seizure, or use of any type of residence premises; or property for any military purpose; or b. you are temporarily residing away from d. warlike act by any person, group, or your dwelling on the residence premises military force. due to: War also means any damage caused by any (1) work related travel; nuclear weapon or device. This includes (2) a vacation; or accidental explosion of such weapon or device. (3) use of a seasonal home. This includes any electromagnetic pulse 22. War. This means damage caused by or damage whether caused by nuclear explosion resulting from any: or otherwise. a. armed conflict by any state, country, nation, or other governed entity; b. insurrection, rebellion, or revolution;

SECTION I - PROPERTY COVERAGE

The limits for this Coverage are shown in the business utility vehicles solely owned, Declarations. leased, or rented by an insured or a A. Coverage A - Dwelling. tenant of your dwelling. 1. We cover your dwelling on the residence 4. We do not cover, unless specifically identified premises including: and shown in the Declarations, any other a. built-in components and attached fixtures; structure that is a: b. additions; a. garage; c. construction materials on the residence b. outdoor swimming pool; premises for use in connection with your c. outdoor in-ground spa or hot tub; dwelling or other covered structures; and d. greenhouse; d. attached wall-to-wall carpeting that is not in e. structure: areas of your dwelling rented or held for (1) designed originally for or now used for rental to others. any agricultural use; 2. We do not cover any land or water. (2) used by or for any livestock; or B. Coverage B - Other Structures. (3) used primarily to generate energy by 1. We cover other structures on the residence the use of any wind, solar, or premises. Other structure means a structure photovoltaic device; or that is: f. building not described in 4.a., 4.d., or 4.e. a. separated by a clear space from; or above with more than 300 square feet in b. attached only by a fence, wall, deck, utility ground level footprint and with a line, walkway, patio, driveway, or similar permanent: connection to; (1) roof; and your dwelling. (2) exterior walls enclosing at least three 2. Other structures include: sides of such building. a. built-in components and attached fixtures; Permanent does not include the use of any b. additions; screen, tarp, canvas, or plastic covering material. c. attached wall-to-wall carpeting that is not in areas of the structure rented or held for 5. We do not cover any land or water. rental to others; and C. Coverage C - Personal Property. d. any permanent pier, wharf, or dock 1. We cover personal property owned or used by connecting the residence premises to a an insured while it is anywhere in the world. body of water, unless it has living quarters. At your request after a loss, and if not insured 3. We do not cover any other structure that is: by the owner, we will cover personal property a. insured by any other insurance, regardless owned by: of the limit for which it is insured; a. others while the property is on the part of b. rented or held for rental to anyone who is the residence premises occupied not a tenant of your dwelling, unless it is a exclusively by an insured; or garage shown in the Declarations; or b. a guest or a domestic employee, while c. used for any business use unless: the property is in any residence occupied by an insured. (1) this policy insures such business; or 2. The limit for property away from the residence (2) the structure is used only for the premises is 10% of the Coverage C limit but storage of business merchandise, not less than $3,000 for personal property: hand tools, hand-held power tools, or

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a. while such property is taken out of the (2) gemstones; United States; or (3) watches; and b. that is usually located at an insured’s (4) furs. residence other than the residence i. $2,500 is the total limit for trading cards premises. This includes property of a and comic books. full-time student, who is an insured, at the j. $3,000 is the total limit for equipment, residence occupied by that student. parts, and accessories made for use with a However, this limitation does not apply to an vehicle: insured’s personal property in your newly (1) designed for use on public roads; and acquired principal residence in the United (2) not owned or leased by an insured. States for 30 days from the time you begin to move the property there. 4. Special limits apply to loss caused by Theft to the types of property listed below. The limit for This limit does not increase the Coverage C each type applies to the total of all property limit. within the type. 3. Special limits apply to the types of property a. $300 is the total limit for audio and video listed below. These special limits do not media while in or upon any vehicle or increase the Coverage C limit. The limit for watercraft. each type applies to the total of all property within the type. b. $5,000 is the total limit for firearms and related equipment, parts, and accessories. a. $300 is the total limit for: c. $5,000 is the total limit for flatware, (1) money, bank notes, bullion; tableware, plaques, and trophies made or (2) checks, money orders; plated with silver, gold, platinum, or pewter. (3) negotiable instruments; d. $7,500 is the total limit for hand tools, (4) scrip, coins, medals; hand-held power tools, and tool: (5) gold, silver, and platinum except (1) boxes; flatware, tableware, plaques, and (2) benches; and trophies made or plated with these (3) cabinets. metals; and e. $10,000 is the total limit for rugs, (6) stored value cards and smart cards. unattached carpets, and tapestries. b. $300 is the total limit for marijuana if 5. A special limit applies to loss caused by deemed legal by the state law of the Artificially Generated Electrical Current. $1,200 insured location. This limit includes such is the limit for each item of covered property substance in any form including all plants damaged by this Peril. and any equipment and material used to grow or process marijuana. 6. We do not cover any: c. $1,500 is the total limit for watercraft. This a. property separately described or includes their trailers, motors, equipment, specifically insured by: parts, and accessories. This does not (1) an endorsement to this policy; or include scale models. (2) any other insurance; d. $1,500 is the total limit for any trailers that regardless of the limit for which it is are not used with watercraft. insured. e. $1,500 is the total limit for any scale b. animals, including but not limited to models of any type that can be used insects, birds, and fish. outdoors. This includes their equipment, c. motor- or engine-propelled land vehicle. parts, and accessories. However, we do cover: f. $1,500 is the total limit for: (1) a motor- or engine-propelled land (1) stamps; vehicle that is not designed for use on (2) securities, accounts, deeds; public roads and is: (3) evidences of debt, letters of credit, (a) designed and used to assist the notes except bank notes; handicapped; (4) manuscripts, personal records; and (b) a scale model not capable of (5) passports and tickets. carrying any cargo or a person; This limit includes the cost to research, (c) an electric motor-propelled child’s replace, or restore information of all the riding toy capable of going no above. more than 20 miles per hour; g. $1,500 is the total limit, unless a limit is (d) a low-speed residential shown in the Declarations, for business maintenance vehicle designed and property. used primarily to service the h. $2,000 is the total limit for: residence premises if: (1) jewelry;

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(i) powered by no more than 50 j. property equipped with living quarters that horsepower; and is a boathouse, dock, pier, or wharf. (ii) capable of going no more than k. property any person illegally obtains, 35 miles per hour. creates, possesses, or distributes. A low-speed residential l. land or water. maintenance vehicle includes a 7. Except for the coverage provided in this policy riding lawn mower, lawn or garden in Section I - Additional Coverage, we do not tractor, snow removal vehicle, or cover any of the following: work utility vehicle. a. credit card, debit card, electronic fund (2) a bicycle with an auxiliary electric transfer card or access device, forgery, or motor: counterfeit money. (a) with a pedal-assist drivetrain; b. trees, shrubs, lawn, or other plants that are (b) capable of propelling the bicycle at outside of a building. a maximum speed of 20 miles per D. Coverage D - Loss Of Use. hour on level ground; and The Coverage D limit shown in the Declarations (c) with a maximum continuous rated is the total limit for all coverage in D.1. and D.2. power output of 1,000 watts. below. d. vehicle equipment, parts, and accessories 1. Additional Living Expense. except those that: This Coverage applies when a loss covered by (1) are not business property; and this policy makes that part of the residence (2) were made for use with a vehicle: premises where you reside unfit to live in. We (a) covered by this policy; or then pay for the reasonable and necessary (b) designed for use on public roads increase in living expense you incur to only when such vehicle is not maintain the normal standard of living of the owned or leased by an insured. household. However, any key, key-fob, or similar Payment will be for the shortest time required device is covered. to repair or replace the damaged property or, if e. electronic equipment permanently installed you permanently relocate, the shortest time in or affixed to any vehicle or watercraft. required for you to do so. f. digitally stored property of any type 2. Civil Authority Prohibits Use. including but not limited to data, This Coverage applies when a civil authority documents, music, videos, or images. prohibits you from use of the residence However, we do cover commercially premises because of possible direct damage prerecorded digital media readily available to the residence premises by a loss that on the current market. would be covered by this policy. We then pay g. property rented or held for rental to others you as specified under Coverage D.1. above. when not on the residence premises. However, payment will be for no more than two weeks. h. property of any tenant, roomer, boarder, or other resident who is not an insured. Coverage for loss that occurs during the policy period is not limited by the expiration of this policy. i. aircraft, hovercraft, airboats, or iceboats We do not cover any direct or indirect loss or including their equipment, parts, and expense due to cancellation of any lease, accessories. However, we do cover scale mortgage, land contract, or agreement. models not capable of carrying any cargo or a person.

SECTION I - PERILS

A. Coverage A - Dwelling. 2. Windstorm Or Hail. B. Coverage B - Other Structures. This Peril includes loss caused by rain, snow, We cover sudden and accidental direct physical sleet, debris, sand, or dust that is driven by the loss to property described in Coverage A and B, force of wind. This Peril covers personal unless we exclude the loss in this policy. property outside of a fully enclosed building or C. Coverage C - Personal Property. within any attached carport or open or We cover sudden and accidental direct physical screened lanai, veranda, patio, or porch. loss to property described in Coverage C when However, this Peril covers loss to: caused by a Peril listed below, unless coverage is a. watercraft, including their trailers, motors, limited within the Peril or we exclude the loss in this equipment, parts, and accessories only policy. when such property is inside a fully 1. Fire Or Lightning. enclosed building; or

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b. personal property, other than described in (3) camper made to be carried on or 2.a. above, when such property is inside a towed by a vehicle; fully enclosed building; (4) property in storage on any premises an and the direct force of wind or hail first causes insured does not own, except for an opening in the exterior wall, skylight, property locked: window, door, or roof that enables the loss. (a) inside a fully enclosed building; or 3. Explosion. (b) within a security fence area; 4. Riot Or Civil Commotion. at a commercial storage facility; or 5. Aircraft, Self-Propelled Missiles, And (5) property on any premises an insured: Spacecraft. (a) owns that has any buildings on it; 6. Vehicle. or This Peril means collision or overturn of a (b) does not own, except while an vehicle. insured is temporarily residing 7. Smoke. there. This Peril means loss from smoke, including However, 9.b.(5)(a) and (b) above do the emission or puffback of smoke, soot, not apply to the property of a full-time fumes, or vapors from a boiler, furnace, or student who is an insured, at the related equipment. residence occupied by such insured. This Peril does not cover loss caused by 10. Breakage Of Glass. smoke from agricultural smudging or industrial This Peril means loss to property caused by operations. breakage of glass that is part of a building on 8. Vandalism Or Malicious Mischief. the residence premises. This Peril does not This Peril means willful or malicious damage to cover any loss if your dwelling has been or destruction of property. uninhabited for more than 30 consecutive However, this Peril does not cover any damage days before the loss. to or destruction of any electronic device’s: 11. Falling Objects. a. operating system; This Peril includes loss to property that is b. storage; or outside a building. c. software; However, this Peril covers loss to: unless caused by physical contact. a. watercraft including their trailers, motors, 9. Theft. equipment, parts, and accessories only when such property is inside a fully This Peril includes damage from attempted enclosed building; or theft. This Peril provides coverage for loss of property from a known location only when it is b. property, other than described in 11.a. likely that a theft occurred. above, also when such property is inside a building; a. This Peril does not cover: and the falling object first damages the roof, (1) theft an insured or any other person skylight, wall, window, or door of such building residing on the residence premises in a manner that enables the loss. commits; The object that falls is not covered. (2) theft from any part of the residence premises that anyone other than an 12. Weight Of Ice, Snow, Or Sleet. insured rents; This Peril only covers loss to property that is (3) loss of property obtained voluntarily inside a fully enclosed building. from any insured whether or not 13. Discharge Or Overflow Of Water Or Steam. induced to do so by swindling, This Peril means discharge or overflow of fraudulent scheme, fraud, trick, or false water or steam from within a plumbing, heating, pretense; or air conditioning, or fire protection sprinkler (4) loss resulting from the theft or system; or a home appliance. unauthorized use of any credit card, This Peril does not cover loss caused by or debit card, electronic fund transfer card resulting from: or access device, except as in Section a. freezing; I - Additional Coverage. b. continuous or repeated: b. This Peril does not cover theft that occurs (1) seepage or leakage of water or steam; away from the residence premises of any: or (1) trailer not used with watercraft; (2) presence or condensation of humidity, (2) watercraft including their trailers, moisture, or vapor; motors, equipment, parts, and that occurs over a period of one week or accessories; longer; or c. water regardless of its source or origin:

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(1) including any waterborne material or that occurs over a period of one week or sewage from: longer; (a) off the residence premises; or regardless of whether the cause of loss is (b) any septic system; hidden from view or not. that enters through sewers or drains 15. Freezing. on the residence premises; This Peril means freezing of a plumbing, (2) that enters into and overflows from heating, air conditioning, or fire protection within a sump pump well discharge sprinkler system; or home appliance. This Peril system, or any related components of only applies to a loss within a fully enclosed a foundation drainage system; or building when you have completed action to: (3) from a roof drain, gutter, downspout, or a. maintain adequate heat in such building to similar fixture or equipment; prevent freezing; or regardless of whether the cause of loss is b. shut off the water supply and drain all hidden from view or not. systems and appliances of water. This Peril does not cover loss to the system or However, if the building is protected by a fire appliance that the water or steam escaped protection sprinkler system, you must use from. reasonable care to continue the water supply 14. Tearing Apart, Cracking, Burning, Or Bulging. and maintain adequate heat in the building to This Peril means tearing apart, cracking, prevent freezing for coverage to apply. burning, or bulging of a steam or hot water A plumbing system or home appliance does heating system, air conditioning system, fire not include a sump pump well discharge protection sprinkler system, or home appliance system, or any related components of a for heating water. foundation drainage system; or a roof drain, This Peril does not cover any loss caused by or gutter, downspout, or similar fixture or resulting from: equipment. a. freezing; or 16. Artificially Generated Electrical Current. b. continuous or repeated: This Peril does not cover any loss caused by or resulting from electromagnetic pulse. (1) seepage or leakage of water or steam; or (2) presence or condensation of humidity, moisture, or vapor;

SECTION I - EXCLUSIONS

A. The Following Exclusions Apply To All Section I (c) vehicles; Coverage: (d) blasting; We do not insure for loss consisting of, or caused (e) mining; directly or indirectly by any of the following: (f) fracking; 1. Earth Movement. (g) sequestration of carbon dioxide or a. This means any loss caused by, resulting any other gas, solid, or liquid; or from, contributed to, or aggravated by: (h) earth moving, excavation, fill, or (1) earthquake. Earthquake means a compaction. shaking or trembling of the earth that is b. This Exclusion applies whether or not volcanic or tectonic in origin. Earth Movement: Earthquake consists of one or more (1) takes place at or away from the scientifically measurable tremors or location of damaged property; shocks. It includes land shock waves (2) combines with water, snow, ice, or or tremors before, during, or after a rain; or volcanic eruption; (3) is sudden, repeated, interrupted, (2) landslide, rockslide, avalanche, gradual, or slow. subsidence, sinkhole, erosion, mudflow, mudslide, lahar; c. However, we do cover an ensuing loss when such loss is caused by: (3) earth sinking, rising, shifting, expanding, contracting; (1) fire; (4) the eruption, explosion, or effusion of a (2) theft; or volcano; or (3) explosion other than the explosion of a (5) any of the following: volcano. (a) site selection; 2. Fungi Or Bacteria, except as in Section I - Additional Coverage. (b) machines;

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This means the presence, growth, proliferation, b. the requirements of which result in a loss in spread, or any activity of fungi or bacteria. value to property; or 3. Governmental Action. c. requiring any insured or others to test for, This means the destruction, confiscation, or monitor, clean up, remove, contain, treat, seizure of property described in Coverage A, detoxify, or neutralize, or in any way B, or C by order of any governmental or public respond to, or assess the effects of, any authority. pollutant. This Exclusion does not apply to such acts This Exclusion applies whether or not the ordered by any governmental or public property has been physically damaged. authority that are taken at the time of a fire to 10. Pollution. prevent its spread, if the loss caused by fire This means any actual, alleged, or threatened: would be covered under this policy. a. discharge; 4. Illegal Act. b. dispersal; This means any loss: c. release; a. arising out of a violation of any criminal law d. escape; for which any insured: e. seepage; (1) is convicted or adjudicated; or f. trespass; (2) by reason of mental incapacity, g. wrongful entry; or disease, or defect is either found not h. migration; guilty or is not convicted; and of any pollutant from any source. b. that would not have occurred had it not been for such act. 11. Power Or Other Utility Service Failure. This Exclusion applies even if an insured lacks This means the failure of power or other utility the mental capacity to govern his or her service that takes place off the residence conduct. premises. If the failure results in a loss from a covered Peril on the residence premises, we 5. Illegal Drug, Plant, Or Substance. will pay only for loss caused by that Peril. This This means any loss arising out of the Exclusion does not apply to Section I - manufacture, growth, distribution, sale, or use Additional Coverage, Refrigerated Or Frozen of any illegal drug, plant, or substance. This Food. applies when the drug, plant, or substance is 12. Theft During New Dwelling Construction. deemed to be illegal by any entity with governing authority for the insured location. This means theft of any property from the State law, however, determines the legality of residence premises. marijuana. This Exclusion applies from the earlier date of 6. Intentional Act. either the: This means any loss arising out of any act any a. beginning of any new dwelling construction insured commits or conspires to commit with activity; or the intent to cause any loss even if the actual b. delivery of any property to be used for this loss is different from what was intended or construction; expected. until the date the new dwelling is completed In the event of such loss, no insured is entitled and occupied. to coverage, even an insured that did not 13. Theft While Uninhabited. commit or conspire to commit the act causing This Exclusion applies when your dwelling has the loss. been uninhabited for more than 30 7. Neglect. consecutive days before the loss. This means neglect of any insured to use all 14. Vandalism Or Malicious Mischief. reasonable means to save, preserve, and a. This includes any loss that is: protect property at and after the time of a loss. (1) concurrently caused by; or 8. Nuclear Hazard. (2) results from the acts of; 9. Ordinance Or Law. any person committing the vandalism or This means any ordinance or law: malicious mischief. a. requiring or regulating the construction, b. This Exclusion applies when: condemnation, demolition, remodeling, (1) your dwelling has been uninhabited renovation, or repair of property including: for more than 30 consecutive days (1) any increased costs to repair or before the loss; or replace damaged property; (2) the vandalism or malicious mischief is (2) the removal of any resulting debris; or caused by or at the direction of: (3) any increased costs to repair or (a) an insured; or replace the undamaged part of the (b) any other person residing on the property; residence premises.

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15. War. a. plumbing system including but not limited 16. Water. to water within, around, or from any toilet, This means any: sink, bath, shower, water conditioning, or a. water including but not limited to: other plumbing fixture or device; (1) flood, wave, tide; b. heating or air conditioning system; (2) surface water; c. fire protection sprinkler system; (3) overflow of any body of water; d. home appliance; or (4) tidal water, tidal wave, tsunami, seiche; e. waterbed; or that occurs over a period of one week or (5) surge or spray of any water whether or longer. not driven by wind; This includes migration of water into any part of b. water regardless of its source or origin a building or the presence or condensation of that: humidity, moisture, or vapor. (1) backs up from or enters through 3. Freezing Of A Plumbing, Heating, Air sewers, septic systems, or drains; or Conditioning, Or Fire Protection Sprinkler System; Or Home Appliance. (2) overflows or is otherwise discharged from a sump pump well discharge This includes leakage or overflow of liquids system or any related components of a caused by the freezing of the system or foundation drainage system; appliance. This Exclusion applies unless you have completed action to: c. water below the surface of the ground, including water which exerts pressure on, a. maintain adequate heat in the building to or seeps, leaks, or flows through any prevent freezing; or structure; or b. shut off the water supply and drain all d. waterborne material including but not systems and appliances of water. limited to sewage, carried or otherwise However, if the building is protected by a fire moved by any of the water described in protection sprinkler system, this Exclusion this Exclusion. applies to such system unless you have taken This Exclusion applies to, but is not limited to reasonable care to continue the water supply escape, overflow, or discharge, for any reason, and maintain adequate heat in the building to of any water or any waterborne material prevent freezing. including but not limited to sewage, from a 4. Freezing, Thawing, Pressure Or Weight Of dam, levee, seawall, or any other boundary or Water, Snow Or Ice, Whether Or Not Driven By containment system. Wind, to: However, direct loss by fire or explosion a. a fence, pavement, patio, footing, resulting from this Exclusion is covered. foundation, step, retaining wall, bulkhead, pier, wharf, or dock; or Any loss from the Exclusions listed above is b. a swimming pool, sauna, swim spa, spa, excluded regardless of any other covered or whirlpool, or hot tub including their parts, non-covered cause or event contributing in any accessories, covers, filters, pipes, pumps, sequence to or concurrently with the loss. and other related equipment when located outside any building or within any building These Exclusions apply: without adequate heat to prevent freezing. • even if the loss event results in widespread 5. Insects, Arachnids, Bats, Birds, Rabbits, damage; Rodents, Domestic Or Farm Animals. • whether the loss is caused by natural, This also includes any costs to test for, clean man-made, or animal forces; up, or remediate any excretion, secretion, or • regardless of whether any cause of loss decomposition of any of these animals. described in any of these Exclusions is This Exclusion does not apply to breakage of hidden from view or not; or glass that is part of a building. • whether the loss occurs as the result of 6. Mechanical Breakdown, Inherent Vice, Latent one or any combination of any of these Defect. Exclusions. 7. Rust, Corrosion, Frost, Condensation, Wet Or B. The Following Exclusions Apply To Coverage A - Dry Rot. Dwelling and Coverage B – Other Structures: 8. Settling, Cracking, Shrinking, Bulging, Or We do not insure for loss consisting of, or caused Expansion Of Any: directly or indirectly by any of the following: a. soil; 1. Collapse, except as in Section I - Additional Coverage. b. pavement; 2. Continuous Or Repeated Seepage Or Leakage c. patio; Of Water Or Steam from within a: d. footing; e. foundation;

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f. wall; • whether the loss occurs as the result of g. floor; one or any combination of any of these h. roof; or Exclusions. i. ceiling. However, we do cover any ensuing loss covered 9. Smog. by this policy. 10. Smoke From Agricultural Smudging Or C. The Following Exclusions Apply To Coverage A - Industrial Operations. Dwelling and Coverage B - Other Structures: 11. Tree Or Plant Roots. We do not insure for loss consisting of, or caused by any of the following Exclusions: This includes their action or interference. 1. Acts Or Decisions. 12. Wear And Tear, Marring, Scratching, Deterioration. This means any act, failure to act, or decision of any person, group, organization, or This includes but is not limited to denting, governmental entity regardless of intent, gouging, abrading, fading, weathering, legality, or negligence. oxidizing, or staining. 2. Faulty, Inadequate, Or Defective: a. planning, zoning, development, surveying, Any loss from the Exclusions listed above is siting; excluded regardless of any other covered or non-covered cause or event contributing in any b. design, specifications, workmanship, sequence to or concurrently with the loss. repair, construction, renovation, remodeling, grading, compaction; These Exclusions apply: c. materials used in repair, construction, • even if the loss event results in widespread renovation, or remodeling; or damage; d. maintenance; • whether the loss is caused by natural, man-made, or animal forces; of part or all of any property whether on or off the residence premises. • regardless of whether any cause of loss described in any of these Exclusions is However, we do cover any ensuing loss covered hidden from view or not; or by this policy.

SECTION I - ADDITIONAL COVERAGE

The following Additional Coverage is included in this (6) use of defective material or methods in policy and is subject to Deductibles, Limits, construction, remodeling, or renovation if Exclusions, Conditions, and all other policy terms the collapse occurs during the course of unless stated differently: the construction, remodeling, or renovation. 1. Collapse. b. This Coverage does not apply to: Collapse means the abrupt, unexpected, and actual falling down or caving in of a building or a (1) a building or any part of a building that is in part of a building. The resulting damage must be to danger of falling down or caving in; the extent that such building or part of such (2) a part of a building that is standing, even if building has sustained complete structural failure it has separated from another part of the and can not be used for its intended purpose. building; a. We insure for direct physical loss to covered (3) a building or any part of a building that is property involving collapse of a building or a standing, or partially standing, even if it part of a building if such collapse was caused shows evidence of cracking, bulging, by one or more of the following: sagging, bending, leaning, settling, (1) a Peril listed in Coverage C; shrinkage, or expansion; (2) decay of a building or any part of a building (4) collapse that occurs while a building or any if such damage was hidden from view and part of a building is being lifted from its unknown by any insured prior to the foundation or moved; or collapse; (5) collapse of a foundation, basement wall, (3) insect or rodent damage to a building or frost wall, or footing, unless any of these any part of a building if such damage was are damaged as a direct result of a hidden from view and unknown by any covered collapse of any other part of that insured prior to the collapse; building. (4) weight of contents, equipment, animals, or c. Loss to an awning, fence, patio, deck, people; pavement, swimming pool, underground pipe, flue, drain, septic system, retaining wall, (5) weight of water, rain, snow, or ice which bulkhead, pier, wharf, or dock is not included collects on a roof; or under 1.a. (2) through (6) above, unless the loss is a direct result of the collapse of:

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(1) a building; or Such charges must be incurred when the fire (2) any part of a building; department is called to save or protect your covered by this policy. covered property from a covered Peril. We do not 2. Credit Card, Debit Card, Electronic Fund Transfer cover fire department service charges if the Card Or Access Device, Forgery, Or Counterfeit property is located within the limits of the city, Money. municipality, or protection district furnishing the fire department response. a. We will pay up to the limit of $1,000 per loss that an insured: This Coverage is additional insurance. No deductible applies to this Coverage. (1) is legally bound to pay for theft or unauthorized use of any credit card, debit 5. Fungi Or Bacteria. card, or electronic fund transfer card or Fungi or bacteria must occur on the residence access device issued to or registered in premises and be caused by or result from a cause any insured’s name; of loss covered by this policy. The cause of loss (2) incurs through forgery or alteration of any and the actual loss itself must occur while this check, draft, certificate of deposit, or note policy is in effect. Fungi or bacteria must cause including negotiable order of withdrawal; or direct physical loss to property covered by this policy. (3) incurs by accepting in good faith counterfeit United States or Canadian The limit for this Coverage is shown in the paper currency. Declarations. We will pay up to that limit to cover your reasonable and necessary expense for work b. We will not pay for loss if the: actually performed to: (1) insured has not complied with all credit a. clean up, remove, and dispose of fungi or card, debit card, or electronic fund transfer bacteria from covered property; card or access device provisions; b. repair, restore, or replace covered property (2) loss is caused by the dishonesty of any damaged by fungi or bacteria; and insured; c. test the air or property to confirm the absence, (3) loss results from business activities of any presence, or level of fungi or bacteria only to insured; or the extent that there is a reason to believe that (4) loss occurs while a person who is not an there is the presence of fungi or bacteria on insured has possession of the credit card, the residence premises. debit card, or electronic fund transfer card 6. Grave Markers. or access device with an insured’s permission. We will pay up to the limit of $5,000 for your share of the cost to repair or replace grave markers, All covered loss described in 2.a. above, whether including mausoleums, for loss caused by a Peril the result of a single act or series of acts, listed in Coverage C. regardless of the number of persons involved, is one loss. No deductible applies to this Coverage. 7. Inflation Protection. 3. Debris Removal. We may increase limits at each renewal for Coverage A, B, C, and D as shown in the We will pay the reasonable and necessary expense Declarations. We base increases on inflation cost you incur to remove the debris of covered property indexes. We will round any increases in limits to that is damaged due to a loss covered under the next highest $100. Premium will change Section I of this policy. This expense is included in accordingly. Your payment of the renewal premium the limit that applies to the damaged property. indicates your acceptance of any adjusted limits. However, we will pay up to an additional 5% of 8. Lock And Garage Door Remote. such limit for debris removal, if we determine that the total of the: We will pay the necessary cost you incur to: a. amount spent to repair or replace the damaged a. re-key or replace exterior door locks; or property; and b. replace garage door remotes; b. expense of debris removal as described above; for locks or garage doors on the residence exceeds the limit that applies to the damaged premises after a covered theft loss of keys or property. garage door remotes. However, coverage does not apply to any garage door remote permanently This Coverage does not apply to Section I - installed in or affixed to any vehicle. No deductible Additional Coverage, Outdoor Trees, Shrubs, applies to this Coverage. Lawn, And Other Plants. 9. Loss Assessments. 4. Fire Department Service Charge. a. The limit for this Coverage is: The limit for this Coverage is: (1) the limit shown in the Declarations; or a. the limit shown in the Declarations; or (2) $10,000 if no limit is shown in the b. $500 if no limit is shown in the Declarations. Declarations; We will reimburse you up to that limit for payment that you have made for your liability assumed by contract or agreement for fire department charges.

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that is effective at the time the covered loss such tree falls due to damage caused by any of occurs or the inception date of this policy, these Perils: whichever is later. (1) Windstorm Or Hail; We will pay up to the limit for this Coverage for (2) Weight Of Ice, Snow, Or Sleet; or your share of the loss assessment charged (3) Falling Objects; and: against you, as owner of the residence (a) causes damage to a covered building; premises, by a corporation or association of (b) blocks a driveway in such a way that a property owners when the loss assessment is car or truck can not enter or leave the charged against all owners. This Coverage residence premises; or applies if assessment is made, as a result of direct loss to property owned by all members (c) blocks a ramp or device designed to collectively, according to the written assist handicapped people in such a association agreements. The damaged way that a handicapped person can property must be of the type that would be not enter or leave your dwelling. covered by this policy if such property was The limit to remove the debris of all fallen owned by you. The loss must be charged trees from the residence premises is $1,000. against you while this policy is in effect and be The limit to remove the debris of any one caused by a loss covered under Section I of fallen tree from the residence premises is this policy. $500. The limit for this Coverage applies with c. We do not cover any tree, shrub, lawn, or other respect to any one loss, regardless of the plant: number of assessments. We will apply your (1) grown for business; or deductible to your share of the loss (2) deemed to be illegal by any entity with assessment. governing authority for the residence b. We do not cover any loss assessments premises. charged by any governmental body. If, however, marijuana is deemed legal by the c. This Coverage is excess over any collectible state law of the residence premises, source, including any source available to the coverage is provided only as described in corporation or association of property owners, 10.a.(1) through (7) above. However, we do even if it is decided not to use such source. not cover marijuana grown for business, even This Coverage is additional insurance. if legal by state law. The total special limit of 10. Outdoor Trees, Shrubs, Lawn, And Other Plants. coverage for all forms of marijuana including all outdoor and indoor plants and any property a. We pay for damage to your trees, shrubs, used to grow or process marijuana is $300. lawn, and other plants that are outside a building on the residence premises. We will This Coverage is additional insurance. also pay for the reasonable and necessary 11. Property Removed. expense you incur to remove the debris of any We insure covered property against direct loss damaged trees, shrubs, lawn, and other plants from any cause while removed from a premises from the residence premises. The damage endangered by a covered Peril. This Coverage must be caused by any of these Perils: applies for up to 30 days after the initial date (1) Fire Or Lightning; property is removed. No deductible applies to this (2) Explosion; Coverage. (3) Riot Or Civil Commotion; 12. Reasonable Repairs. (4) Aircraft; a. We will pay the reasonable cost you incur for the necessary measures taken solely to protect (5) Vehicle, except any vehicle operated by an covered property, that is damaged by a loss insured or any other person residing on covered by this policy, from further damage. the residence premises; b. This Coverage does not: (6) Vandalism Or Malicious Mischief; or (1) increase the limit that applies to the (7) Theft. covered property; or The limit for all trees, shrubs, lawn, and other (2) relieve you of your duties, in case of a plants is 5% of the limit for Coverage A. The loss to covered property, described in limit for any one tree, shrub, or other plant, Section I - Conditions. including the expense to remove debris, is $500. 13. Refrigerated Or Frozen Food. This Coverage applies to trees, shrubs, lawn, We will pay up to the total limit of $1,000 for all and other plants on the residence premises refrigerated or frozen food on the residence that are within 250 feet of your dwelling. premises that is ruined due to a power interruption or mechanical failure. b. We also pay for reasonable and necessary expense you incur to remove the debris of any Power interruption or mechanical failure does not fallen tree from the residence premises when include: a. removal of a plug from an outlet; or

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b. turning off a switch or circuit breaker. eruption. A single event includes all airborne 14. Volcano. shock waves that occur within 72 hours. a. We will pay for direct and immediate damage b. We will also pay the reasonable and necessary to covered: expense you incur to remove ash, dust, or (1) structures on the residence premises; particulate matter from inside your dwelling. and We do not cover subsequent deposits caused (2) personal property inside a fully enclosed by the movement of these elements by wind or building at the insured location; other means. when such damage is caused by a single airborne shock wave event from a volcanic

SECTION I - CONDITIONS

1. Abandoned Property. authority granted to the appraisers and the umpire You can not abandon property to us unless we can only be expanded and modified by written agree to it. mutual consent signed by you and us. We will pay 2. Amounts Of Insurance. our appraiser. You will pay your appraiser. Other You are responsible for having sufficient amounts expenses and the compensation of the umpire will of insurance for all coverage in this policy. be paid equally by you and us. Appraisal does not waive our rights. You must notify us if you wish to increase or change any amount of insurance. This includes but 4. Change In Ownership, Occupancy, Or Risk. is not limited to any increase due to: You must notify us in writing within 30 days from a. improvement, addition, or remodeling; the date any change in ownership, occupancy, or risk first begins. b. purchase of personal property; This includes but is not limited to the residence c. construction cost estimate; or premises being: d. appraisal of any property. a. used for any other purpose than your For dwelling and other structures, we use a residence; building cost guide to assist you in estimating the b. leased or rented to others; construction cost. The cost guide uses very general information. We do not guarantee that any c. the subject of any foreclosure process; or estimate from the building cost guide will represent d. uninhabited. the actual cost to reconstruct your dwelling or However, permission is granted for you to make other structures. You may obtain a construction alterations, additions, and repairs to your dwelling cost estimate from a qualified appraiser or and other structures and complete any structure contractor at your expense. under construction on the residence premises. 3. Appraisal. 5. Deductible. This applies after we confirm that the damage due a. We pay for loss covered by this policy when to a loss is covered. If you and we fail to agree on the amount of such loss exceeds the the dollar amount of the damage, either may applicable deductible shown in the demand that such amount be set by appraisal. In Declarations. this event, each party will choose a competent and b. You are responsible for the amount of loss that disinterested appraiser within 20 days after equals the applicable deductible. receiving a written request from the other. Each c. We subtract the applicable deductible from the appraiser will separately set the dollar amount of amount of any loss covered by this policy the damage. Such amounts must be determined before applying any special limit, Additional according to all terms of this policy including those Coverage limit, or limit shown in the in Section I - How We Settle Losses. If both Declarations. appraisers submit written reports to us of their d. The deductible applies separately to each agreement of the amount, such amount will be the covered loss. dollar amount of the damage. If they fail to agree e. If two or more deductibles under this policy within 20 days, they must choose a competent and apply to the loss, only the highest deductible disinterested umpire. If they can not agree on the amount will apply. choice within 20 days, you and we must jointly f. The Windstorm Or Hail deductible shown in the request that the choice of umpire be made by a Declarations includes loss caused by any rain, judge of a court of record in the state where the snow, sleet, debris, sand, or dust that is driven residence premises is located. The appraisers will by the force of wind. then submit their differences to the umpire. Written agreement signed by any two of these three will set 6. Duties After A Loss. the dollar amount of the damage. The appraisal You, any insured, and any person or entity determination of damage or valuation is binding claiming coverage under this policy must: upon you and us. This appraisal process and a. give us prompt notice;

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b. allow us and our representatives to (7) detailed estimates for repair of the immediately inspect all damaged property; damage; c. immediately report any theft or vandalism to (8) receipts for any costs you incur for the police; additional living expense while residing d. immediately notify the company that issued elsewhere; any credit card, debit card, or electronic fund (9) receipts for stolen, damaged, or destroyed transfer card or access device that is involved property you repair or replace; in any loss; (10)records pertaining to any loss of rental e. protect the property from further damage; income; and f. make reasonable and necessary repairs to (11)evidence supporting any loss involving any protect the property and keep records of the credit card, debit card, electronic fund cost of these repairs; transfer card or access device, forgery, or g. cooperate with us in the investigation of a counterfeit money. claim; We have no duty to provide coverage under this h. promptly separate the damaged and policy if you or any person or entity claiming undamaged personal property; coverage under this policy fails to perform these i. provide us with a detailed inventory of the duties. These duties after a loss do not waive any stolen, damaged, or destroyed property of our rights. showing the quantities, when and where 7. Dwelling And Other Structures Under acquired, original cost, current value, and the Construction. amount of loss; This policy may cover your dwelling and other j. as often as we require: structures while under construction on the (1) show us the damaged property before residence premises. Until your dwelling is permanent repair or replacement is made; completed and occupied, the limit will be no more (2) provide us with records and documents we than your dwelling’s replacement value at the time request, including electronic or digital data, of loss, but not greater than the Coverage A limit and permit us to make copies; shown in the Declarations. Until each of your other structures is completed and put to its (3) provide us access to items we request, intended use, the limit will be no more than that and permit us to perform inspections and structure’s replacement value at the time of loss, testing of such items; but not greater than the Coverage B limit shown in (4) submit to recorded statements by a person the Declarations. we choose at the location of our choice. 8. Insurable Interest And Our Liability. The statements may also be visually recorded at our option; In the event of a covered loss, we will not pay more than the insurable interest an insured has in the (5) submit to examinations under oath by a damaged property, or more than any limit that person we choose at the location of our applies. choice. We may do this without any other person or entity present other than the 9. Loss Payment. examinee’s attorney. The examinations We will adjust all losses with you. We will make may also be visually recorded at our payment to you and any other party legally entitled option; and to receive payment subject to the terms of this (6) sign all transcripts of statements or policy. Loss will be payable 60 days after we examinations; receive a properly completed proof of loss and: k. submit to us, within 60 days after we request, a. we reach agreement with you; or a signed, sworn proof of loss that sets forth to b. there is an entry of a final judgment. the best of your, any insured’s, other 10. Loss To A Pair Or Set. person’s, or entity’s knowledge and belief: We may, at our option: (1) the date, time, location, and cause of loss; a. repair or replace any part; or (2) the interest you and others have in the b. pay the actual cash value; property, including any encumbrances; of a pair or set stolen, damaged, or destroyed. (3) an inventory of stolen, damaged, or 11. No Benefit To Bailee. destroyed personal property showing the This insurance will not benefit, in any way, any amount of loss for each item; person or organization that may be caring for or (4) other insurance, bond, surety, warranty, or handling property for a fee. service agreement that may cover the loss; 12. Other Coverage. (5) changes in title, use, occupancy, or If this and other insurance apply to your loss, we possession of the property during the will pay our share. Our share will be the proportion policy period; of the loss that the limit under this policy bears to (6) the plans and specifications we may the total amount of all insurance on covered request for any damaged structure; property whether collectible or not. This policy is

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excess over any bond or surety, or any type of (c) leased or rented to others; or warranty or service agreement including but not (d) uninhabited; and limited to a property restoration plan or home (2) pays us any premium due for this policy. warranty. This paragraph does not apply to Section c. If we deny payment to you and pay the I - Additional Coverage, Loss Assessments. mortgagee for any loss: 13. Recovered Property. (1) we are subrogated to all the rights of the If you or we recover any property for which we mortgagee granted under the mortgage on have made payment under this policy, you or we the property; or will notify the other. At your option, the property will (2) at our option, we may pay to the be returned to or retained by you or it will become mortgagee the remaining principal on the our property. You must refund the amount we paid mortgage plus any accrued interest. In this to you, or pay an amount we agree to, for any event, we will receive, at our option, a full recovered property you retain. assignment and transfer of the mortgage 14. Rights And Duties Of Mortgagee. and all securities held as collateral to the Mortgagee includes trustee or contract of sale mortgage debt. titleholder. Subrogation will not impair the right of the If a mortgagee is named in this policy, any payment mortgagee to recover the full amount of the for a loss under Coverage A or B will be made to mortgagee’s claim. you and to the mortgagee to the extent of its d. The words you, your, and insured in: interest. If more than one mortgagee is named, the (1) Section I - Conditions; order of payment follows the order of precedence (2) Section I - How We Settle Losses; and of mortgages. (3) General Conditions; The mortgagee’s interest is subject to the following: also apply to the mortgagee. a. We will provide written notice to the mortgagee at least 10 days before we cancel this policy. 15. Salvaged Property. b. If we deny your claim, that denial will not apply After a covered loss, we may keep damaged to a covered claim of the mortgagee if the property we have either paid for or replaced. mortgagee: 16. Suit Against Us. (1) has notified us in writing within 30 days We may not be sued unless there has been full from the date any change in ownership, compliance with all the terms of this policy. Suit occupancy, or risk is first known by the must be brought within 12 months after the date of mortgagee. loss. However, if we determine that your dwelling This includes but is not limited to the is a total loss, suit must be brought within the time residence premises being: that we deem necessary to repair or replace your dwelling. (a) in any way subject to any type, process, or notification of foreclosure by any mortgagee; (b) used for any other purpose than a residence;

SECTION I - HOW WE SETTLE LOSSES

A. Loss Settlement For Coverage A - Dwelling And b. the amount you spent to repair or replace Coverage B - Other Structures: the property based on current Except for any roofing system damaged by construction costs; or Windstorm Or Hail, we will pay the cost to repair or c. the limit shown in the Declarations; replace the damaged or stolen part of the property less any amount we paid you based on the insured under Coverage A and Coverage B subject actual cash value as described in 1.a. above. to the following: 3. If the property is not repaired or replaced within 1. Until you complete the repair or replacement of 12 months after the date of loss, we will only the property, we will pay the lesser of: pay the lesser of: a. the actual cash value; or a. the actual cash value; or b. the limit shown in the Declarations. b. the limit shown in the Declarations; 2. If the repair or replacement of the property on unless we determine that your dwelling is a the residence premises is completed within total loss. 12 months after the date of loss, we will pay 4. If we determine that your dwelling is a total the least of: loss: a. our cost to repair or replace the property a. you may, based on current construction based on current construction costs; costs:

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(1) repair or replace your dwelling and or law unless specifically provided by other damaged structures on the endorsement. residence premises as in 2. above; or 3. We will not pay for any damage caused by hail (2) build or purchase a replacement to any metal roofing surface unless the metal dwelling and other structures at a new roofing surface will no longer prevent water location. from entering the building. b. If you choose to build or purchase a 4. We will not pay for any damage caused by hail replacement dwelling and other structures to any metal vent, flashing, drip edge, ridge, at a new location: valley, accessory, or trim unless such metal (1) we will not pay more than the amount component: we would have paid based on 2. above a. will no longer: for damaged property; (1) prevent water from entering the (2) we will not pay any cost or expense to building; or purchase any land or water at the new (2) perform any other intended function; or location you choose; and b. is attached to a roof plane that has had its (3) you will retain responsibility for land, roofing surface damaged by hail to the water, and any undamaged property extent that the roofing surface must be on the residence premises. replaced. We may extend, when we deem necessary, However, Loss Settlement For Roofing System the requirement to repair or replace property described above in B.1. through B.4. does not within 12 months after the date of loss. apply when we determine that your dwelling or 5. When multiple layers of finished flooring exist other structure is a total loss. Loss Settlement, and a covered loss damages more than one described above in A.1. through A.4. and A.6., will layer, we will only pay for damage to one layer. apply to the roofing system covering such dwelling You decide which layer coverage applies to. or other structure. 6. We will not pay any cost to repair or replace C. The Amount We Pay You For Any Loss Settlement property due to requirements of any ordinance Under Coverage A Or B: or law unless specifically provided by The amount we pay you will: endorsement. 1. not duplicate any amount we have already paid 7. Subject to any limit that applies, we will only you for any previous loss or losses to the pay the actual cash value of any wood fence, same damaged property when such property tarp, canvas, or plastic covering material. has not been repaired or replaced; and 8. We will not pay for any damage caused by hail 2. be reduced by the amount we previously paid to any metal siding surface unless the metal you that you have not actually spent to repair siding will no longer prevent water from or replace such property. entering the building. Metal siding surface D. Loss Settlement For Coverage C - Personal includes metal corner trim. However, metal Property: siding does not include any metal eave, fascia, We will pay for the damaged or stolen part of the soffit, window trim, or door trim. property insured under Coverage C - Personal 9. We will only pay for the tear out and repair of Property subject to the following: any surface part of a building or structure that 1. Except for property listed in D.2. below, we will we deem necessary to access and repair any pay the lesser of: concealed part damaged by a loss covered by a. the actual cash value; or this policy. b. any limit that applies. B. Loss Settlement For Roofing System Under Coverage A - Dwelling And Coverage B - Other 2. We will pay the least of: Structures: a. the market value at the time of loss; Roofing system means any type of roofing surface, b. our cost to clean, repair, or replace; or underlayment, vent, flashing, ridge, valley, c. any special limit that applies to; accessory, or trim. Roofing surface includes but is the following: not limited to shingles, shakes, tiles, slates, panels, (1) property that because of its inherent sheets, rolled materials, or any type of built-up nature can not be replaced with new surface. Roofing system does not include any property including but not limited to: eave, fascia, soffit, gutter, or downspout. (a) antiques; 1. We will pay the lesser of: (b) paintings; a. the actual cash value; or (c) etchings; b. the limit shown in the Declarations; (d) pictures; for damage to a roofing system caused by (e) tapestries; Windstorm Or Hail. (f) statuary; 2. We will not pay any cost to repair or replace (g) rare books and papers; property due to requirements of any ordinance

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(h) porcelains; or replace damaged property. However, this will (i) rare glassware; not apply if we determine that we can not (2) property whose age or history make a reasonable match. contributes substantially to its value 2. We do not cover any diminished value of any including but not limited to: property due to mismatch between undamaged (a) coins; material and new material used to repair or (b) stamps; replace damaged or stolen material. (c) memorabilia; 3. We will not pay to repair or replace any undamaged part of any system when any other (d) souvenirs; or part of such system is damaged by a covered (e) other collector items; loss. (3) commercially prerecorded digital 4. We do not cover any diminished value of any media; or property resulting from the repair or (4) vehicle parts. replacement of such property. E. Loss Settlement For All Covered Property: 1. We will not pay to refinish, repair, or replace any undamaged property that does not match new materials used to refinish, repair, or

SECTION II - LIABILITY COVERAGE

Coverage E - Personal Liability. date of an occurrence. No one will be entitled to We will pay, up to our limit shown in the duplicate payments for the same elements of loss. Declarations, compensatory damages for which Any medical expense we pay applies against any an insured is legally liable because of bodily other coverage in this policy applicable to the loss injury or property damage caused by an but does not reduce the limit of that coverage. occurrence covered by this policy. Coverage applies only: If a suit is brought against an insured for damages 1. to a person on the insured location with the because of bodily injury or property damage permission of any insured; or caused by an occurrence to which this policy 2. to a person away from the insured location if applies, we will provide a defense at our expense the bodily injury: by counsel of our choice. We will defend any suit a. arises out of a condition on the insured or settle any claim for damages payable under this location or the ways immediately policy as we think proper. adjoining; OUR DUTY TO DEFEND ANY CLAIM OR SUIT b. is caused by the activities of an insured; ENDS WHEN THE AMOUNT WE HAVE c. is caused by a person while performing OFFERED OR PAID FOR DAMAGES duties as a domestic employee of an RESULTING FROM THE OCCURRENCE insured; EQUALS OUR LIMIT SHOWN IN THE d. is caused by an animal owned by or in the DECLARATIONS. care, custody, or control of an insured; or Coverage F - Medical Expense. e. is suffered by a domestic employee in the We will pay covered medical expense. Such course of employment by an insured. expense must be medically necessary, usual, and We do not cover any insured or other person who customary. We reserve the right to determine, or resides at the residence premises, except a have someone on our behalf determine, if any domestic employee. treatment is medically necessary and if the However, Coverage does not apply to nuclear expense is usual and customary. Medical expense hazard or electromagnetic pulse. also includes dental, ambulance, hospital, and funeral expense. The limit is shown in the Declarations. We will pay covered medical expense that is incurred within 36 months from the

SECTION II - EXCLUSIONS

A. The Following Exclusions Apply To Coverage E - a. This includes any act or failure to act as a: Personal Liability and Coverage F - Medical (1) public official; or Expense: (2) member of a board of directors or We do not cover any occurrence arising out of, officer of any organization. resulting from, or in connection with any of the b. This does not exclude any act or failure to following: act of an insured while serving: 1. Act Or Failure To Act.

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(1) as a volunteer director, officer, or subcontracted persons and is under the trustee of a not for profit religious, age of 19 years. charitable, or civic organization; and 6. Controlled Substance. (2) with no compensation, except for This includes any controlled substance listed payment of expenses. by schedule in the Controlled Substances Act, 2. Aggression. Title 21, U.S. Code, section 812, including any This includes any aggressive activity, amendments. This also includes any drug that harassment, or bullying committed by the the Attorney General has added to the insured by any means. schedule pursuant to his or her authority. This 3. Aircraft Or Hovercraft. does not exclude the legal use of any This includes but is not limited to occupying, prescribed drug by a person following the using, operating, owning, leasing, renting, orders of a state authorized medical borrowing, entrusting, maintaining, caring for, professional licensed in the United States. loading, or unloading any aircraft or hovercraft; 7. Disease. or supervising or failing to supervise any of the This includes any actual or alleged preceding activities. Aircraft includes any transmission of any disease by any insured. glider, balloon, parachute, or any other air 8. Excretion, Secretion, Or Decomposition Of Any conveyance and their facilities. Hovercraft Animal. includes any powered vehicle that moves 9. Expected Or Intended. above the surface of land or water on a a. This includes any type of bodily injury or cushion of air. property damage that an insured: This does not exclude a scale model aircraft or (1) intends; or hovercraft unless it is capable of carrying any (2) may expect to result from any cargo or a person. intentional act or omission. Bodily injury to a domestic employee b. This Exclusion applies even if the bodily caused by a scale model aircraft or hovercraft injury or property damage is: covered by this policy is not excluded only at (1) of a different kind, quality, or degree the time such person is in the course of than intended; domestic service for an insured. (2) to a different person or property than 4. Alcohol Supply To Underage Persons. intended; This applies to an insured who: (3) the result of a willful and malicious act, a. knowingly permits; no matter at whom the act was b. takes action to enable; or directed; c. fails to take reasonable action to prevent; (4) unexpected or unforeseen by the any person under the legal age to consume person injured or the owner of the alcohol. property damaged; or 5. Business. (5) sustained regardless of whether an a. This includes any business conducted insured: from any location or engaged in by any (a) is under the influence of alcohol or insured, whether or not the business is any controlled substance; owned or operated by any insured or (b) lacks the mental capacity to employs any insured. govern his or her conduct; or This includes but is not limited to any act or (c) is deemed not to have had the omission, regardless of its nature or mental capacity to form the legal circumstance, involving a service or duty intent to commit the act or rendered, promised, owed, or implied to be omission. provided because of the nature of the c. This Exclusion applies regardless of the business. theory of relief pursued, asserted, or b. This does not exclude the rental or holding claimed by anyone seeking compensation for rental of the insured location: under this policy. (1) if used only as a residence; 10. Federal Tort Claims Act. (2) in part, for use only as a residence, This includes our duty to defend any claim or unless any single-family unit is used to suit for which the United States Government is lodge more than two roomers or liable under the Federal Tort Claims Act. boarders; or 11. Fungi Or Bacteria. (3) in part, for use as an office, school, This includes any actual, alleged, or studio, or private garage. threatened: c. This does not exclude the part-time or a. ingestion; occasional business of a self-employed b. inhalation; insured with no employees or c. contact with; or

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d. exposure to; c. not designed for use on public roads and any fungi or bacteria on or within any property is: insured by this policy, except food or beverage. (1) designed and used to assist the This includes any liability to abate, test for, handicapped; monitor, clean up, remove, contain, treat, (2) a scale model not capable of carrying detoxify, neutralize, remediate, dispose of, or in any cargo or a person; any way respond to or assess the effects of (3) an electric motor-propelled child’s fungi or bacteria. riding toy capable of going no more 12. Imputed Liability. than 20 miles per hour; This includes any liability imputed to any (4) a golf cart only when used for golfing insured that is otherwise excluded in this or while on the residences premises; policy. This includes but is not limited to the or entrustment of any property or negligent (5) a low-speed residential maintenance supervision of any person or animal. vehicle designed and used primarily to This Exclusion does not apply to Section II - service the residence premises if: Exclusions, Parental Liability. (a) powered by no more than 50 13. Insured’s Premises Not An Insured Location. horsepower; and This includes any premises: (b) capable of going no more than 35 a. owned by any insured; miles per hour. b. rented or leased to any insured; or A low-speed residential maintenance c. rented or leased to others by any insured; vehicle includes a riding lawn mower, that is not an insured location. lawn or garden tractor, snow removal vehicle, or work utility vehicle; or This includes any insured’s action or failure to act that occurs on, in connection with, or d. a bicycle with an auxiliary electric motor: arising out of the management or use of a (1) with a pedal-assist drivetrain; premises described in 13.a. through 13.c. (2) capable of propelling the bicycle at a above. maximum speed of 20 miles per hour This does not exclude bodily injury to a on level ground; and domestic employee only at the time such (3) with a maximum continuous rated person is in the course of domestic service for power of 1,000 watts. an insured. Any spontaneous, organized, or agreed-upon 14. Livestock. race, speed, jumping, or stunt contest or This includes but is not limited to: demonstration; or any practice or preparation a. breeding, raising, training, showing, riding; for any of these; is excluded for any vehicle described in 15.c.(5) above. b. loading, unloading, transporting, entrusting; Bodily injury to a domestic employee c. using to carry, pull, or perform other work caused by a motor vehicle covered by this with; or policy is not excluded only at the time such d. supervising or failing to supervise any of person is in the course of domestic service for the preceding activities related to; an insured. any livestock owned or leased by any 16. Nuclear Hazard Insurance. insured. This includes any liability for which any Any spontaneous, organized, or agreed-upon insured is also an insured under any nuclear race, speed, strength, fighting, jumping, or energy liability policy. stunt contest or demonstration; or any practice This applies even if the policy coverage is or preparation for any of these; is excluded. spent or not in force. These policies are issued 15. Motor- Or Engine-Propelled Land Vehicle. by the: This includes but is not limited to occupying, a. Nuclear Energy Liability Insurance using, operating, owning, leasing, renting, Association; borrowing, entrusting, maintaining, caring for, b. Mutual Atomic Energy Liability loading, unloading; or supervising or failing to Underwriters; supervise any of the preceding activities related to; any motor- or engine-propelled land c. Nuclear Insurance Association of Canada; vehicle or any trailer except such vehicle or or trailer an insured owns, leases, operates, any of their successors or any other insurer rents, or borrows that is: that provides similar coverage. a. not in use and only while kept in dead 17. Parental Liability. storage on the insured location; This applies to, even if imposed by law: b. a watercraft, camping, or utility trailer only a. vicarious liability for; or when not on, attached to, or towed by any b. negligent supervision of; vehicle;

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any action or inaction of any minor child of any This Exclusion applies even if an insured lacks insured that causes any occurrence excluded the mental capacity to govern his or her in the Section II - Exclusions: Aircraft Or conduct. Hovercraft, Motor- Or Engine-Propelled Land 24. War. Vehicle, or Watercraft. 25. Watercraft. 18. Pollution. This includes but is not limited to occupying, a. This includes any actual, alleged, or using, operating, owning, leasing, renting, threatened: borrowing, entrusting, maintaining, caring for, (1) discharge, dispersal, release, escape, loading, unloading; or supervising or failing to seepage, trespass, wrongful entry, supervise any of the preceding activities migration; or related to; any watercraft, personal watercraft, (2) ingestion, inhalation, or absorption; iceboat, jetpack, or airboat except a: of any pollutant from any source. a. watercraft an insured owns, leases, rents, b. This includes any cost or expense to: or borrows that is not powered or powered (1) abate, test for, monitor, clean up, only by an electric motor; remove, contain, treat, detoxify, b. sail powered watercraft an insured owns, neutralize, remediate, dispose; or leases, rents, or borrows that is no more (2) in any way respond to or assess the than 26 feet long and with no more than an effects; auxiliary motor; of any pollutant from any source. c. watercraft an insured owns, leases, rents, or borrows that is powered by outboard 19. Professional Service. motor(s) with no more than a total of 50 This includes any rendering of or failure to combined horsepower; render any type of professional service. d. watercraft an insured rents or borrows that 20. Sexual Molestation Or Misconduct, Corporal is powered by an inboard or Punishment, Physical Or Mental Abuse. inboard-outdrive motor with no more than a. This includes any actual or alleged: 50 horsepower; (1) sexual molestation or misconduct by e. scale model watercraft not capable of any insured: carrying any cargo or a person; or (a) including but not limited to f. watercraft, personal watercraft, iceboat, personal interaction or jetpack, or airboat not in use and only while photographic, video, or any other kept in dead storage on the insured display of sexual activity; location. (b) regardless of whether or not Any spontaneous, organized, or agreed-upon consent is given; race, speed, jumping, or stunt contest or (2) corporal punishment; or demonstration; or any practice or preparation (3) physical or mental abuse resulting for any of these; is excluded for watercraft from acts or omissions of any insured; described in 25.c. or 25.d. above. b. This Exclusion applies regardless of: This does not exclude organized racing or (1) intent to cause injury; or navigation events for watercraft described in (2) the theory of relief pursued, asserted, 25.a., 25.b., or 25.e. above. or claimed by anyone seeking Bodily injury to a domestic employee compensation under this policy. caused by a watercraft covered by this policy is 21. Violation Of Building Or Housing Code By Any not excluded only at the time such person is in Insured. the course of domestic service for an insured. 22. Violation Of Communication Acts. 26. Workers’ Benefits. This includes violation of the: This applies to any person eligible to receive a. Telephone Consumer Protection Act; any benefits mandated or voluntarily provided under any government act, law, statute, or rule b. CAN-Spam Act; or pertaining to: c. any similar law, ordinance, statute, or a. workers compensation; regulation. b. disability; 23. Violation Of Law. c. occupational disease; This includes violation of any criminal law for which any insured: d. longshore or harbor workers; a. is convicted or adjudicated; or e. merchant marine; or b. due to mental incapacity, disease, or f. any other similar act, law, statute, or rule. defect is either not convicted or convicted B. The Following Exclusions Apply To Coverage E - of a lesser charge. Personal Liability:

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We do not cover any occurrence arising out of, another person who may be obligated to resulting from, or in connection with any of the pay damages because of bodily injury to following: any insured. 1. Contracts. 4. Loss Assessments. a. This includes any Personal Liability under This includes any Personal Liability for your any: share of any loss assessment charged against (1) contract or agreement; or you, as an owner of the residence premises, (2) statement, document, or contract that by a corporation or association of property relates to any transfer of ownership of owners. any real property that any insured 5. Property Owned Or Controlled. owns. This includes any property damage to b. This does not exclude written contracts: property: (1) directly relating to the maintenance or a. owned or leased by any insured; use of the insured location; or b. in the care, custody, or control of any (2) in which an insured assumes the insured; liability of others prior to the c. borrowed, used, occupied by, or rented to occurrence; any insured; or if not excluded elsewhere in this policy. d. owned by any association of property 2. Employees. owners of which any insured is a member. This includes any bodily injury to any This does not exclude, if an insured is legally employee except a domestic employee only liable, property damage under item 5.b. at the time such person is in the course of above, only if caused by fire, smoke, or domestic service for an insured. explosion. 3. Intra-Insured Claims Or Suits. 6. Punitive, Statutorily Imposed, Or Court a. This includes any bodily injury to you or a Ordered Damages. resident of the household who is: This includes any Personal Liability for: (1) a relative; or a. punitive, exemplary, statutorily imposed, (2) other person under the age of 21 who multiple, or aggravated damages; is in your care or the care of a relative b. fines, penalties, or court ordered who is a resident of the household. restitution; or b. This includes any claim made or suit c. awarded or statutorily mandated attorney brought against you or any insured to: fees related to 6.a. or 6.b. above. (1) repay; or (2) share damages with;

SECTION II - ADDITIONAL COVERAGE

The following Additional Coverage is included in this interest that accrues after such time that we policy and is subject to Exclusions, Conditions, and all make an offer to pay our limit; and other policy terms unless stated differently: e. interest accruing on our share of the amount of 1. Claim And Defense Expenses. any judgment between the time the judgment is We will pay the following expenses for a claim or entered and the time we pay or tender or suit we defend under Coverage E: deposit in court that part of the judgment that does not exceed our limit. a. all expenses we incur and costs taxed against any insured during our defense of any 2. Damage To Property Of Others. insured; We will pay up to $1,000 per occurrence for b. premiums on bonds required in any suit we property damage to property of others caused by defend, but not for bond amounts more than an insured. Property of others does not include our limit. We need not apply for, furnish, or any property leased by an insured. This Coverage pay for any bonds not requested by us; applies even if the insured is not negligent or legally liable. c. reasonable expenses an insured incurs at our request for assisting us in the investigation or a. At our option, we will either: defense of a claim or suit. This includes actual (1) pay the actual cash value; or loss of earnings up to $250 per day. We do not (2) repair or replace the property. pay for loss of other income; b. We will not pay for property damage: d. prejudgment interest awarded against any (1) to the extent of any amount recoverable insured on the part of the judgment that we under Section I of this policy or from any are obligated to pay. We will not pay any such other source;

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(2) caused intentionally by any insured who is written association agreements. The 13 years old or older; or assessment must be made as a result of: (3) resulting from: (1) bodily injury or property damage to (a) business pursuits; which Section II of this policy would apply; (b) any act or omission in connection with or any premises owned, rented, leased, (2) damages that the association may be or controlled by any insured, other obligated to pay because of any personal than an insured location; or injury arising out of: (c) the ownership, maintenance, or use of (a) false arrest, detention, or any aircraft, watercraft, or motor- or imprisonment; engine-propelled land vehicle other (b) malicious prosecution; than a golf cart. (c) libel, slander, humiliation, or c. Item b. of Section II - Exclusion B, Property defamation of character; or Owned Or Controlled, does not apply to this (d) invasion of privacy, wrongful eviction, Coverage. or wrongful entry. 3. Emergency First Aid. c. The limit for this Coverage is the most we will We will pay reasonable expenses incurred by an pay for any one loss, regardless of the number insured for first aid to persons, other than of assessments. insureds, at the time of the accident, for physical d. This Coverage applies only to loss injury covered under this policy. assessments charged against you as owner of 4. Loss Assessments. the residence premises while this policy is in a. The limit for this Coverage is: effect. (1) the limit shown in the Declarations; or e. We do not cover loss assessments charged (2) $10,000 if no limit is shown in the against you or a corporation or association of Declarations; property owners by any governmental body. that is effective at the time of the bodily injury f. Section II - Exclusions, A. Act Or Failure To Act or property damage covered in 4.b. below or and B. Loss Assessments, do not apply to this the inception date of this policy, whichever is Coverage. later. g. This Coverage is excess over any collectible b. We will pay up to the limit for this Coverage for source including any source available to the your share of the loss assessment charged corporation or association of property owners against you, as an owner of the residence even if it is decided not to use such source. premises, by a corporation or association of property owners when the loss assessment is charged against all owners according to the

SECTION II - CONDITIONS

1. Amounts Of Insurance. present other than the examinee’s attorney. You are responsible for sufficient amounts of The examinations may also be visually insurance for all coverage. You must notify us if recorded at our option; you wish to increase or change amounts of d. sign all transcripts of statements and insurance. examinations; 2. Bankruptcy. e. promptly send us any notice, demand, or legal Bankruptcy or insolvency of an insured has no paper related to the occurrence or loss effect on our policy duties. assessment; 3. Duties. f. at our request, including appearing as we You and any person who claims coverage under require, assist us in: this policy must: (1) making settlement; a. give us prompt notice, with: (2) enforcing any right of contribution, (1) the time, place, and details of the indemnity, or subrogation against any occurrence or loss assessment; and person or entity who may be liable to any (2) names of claimants and witnesses; insured; and b. submit to recorded statements by a person we (3) any matter related to a claim or suit; choose at the location of our choice. The g. not assume any liability, incur any expense, or statements may also be visually recorded at make any payment at the time of a bodily our option; injury; except for your necessary cost for c. submit to examinations under oath by a person emergency first aid to others only at the time of we choose at the location of our choice. We a physical injury; may do this without any other person or entity

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h. under Section II - Additional Coverage, expense for bodily injury to one person as the Damage To Property Of Others: result of one occurrence. (1) give us a sworn statement of the loss 5. Other Coverage: within 60 days after our request; and a. Coverage E. This insurance is excess over any (2) show us any damaged property as often other collectible insurance, bond, or surety as we request; except when such insurance, bond, or surety is i. under Coverage F - Medical Expense, the specifically written to cover as excess over the injured person or someone acting for that limits in this policy. person will: b. Coverage F. This insurance is excess over any (1) give us prompt written proof of claim, other collectible insurance, bond, or surety. under oath if required; 6. Payment under Coverage F is not an admission of (2) authorize us to obtain copies of medical liability. reports and records; and 7. Severability. (3) permit doctors we select to perform The insurance provided by Section II of this policy examinations of the injured person when applies separately to each insured. This does not and as often as we may reasonably increase our limit for any one occurrence. require. 8. Suit Against Us. We have no duty to provide coverage under this No legal action can be taken against us: policy if you or any person or entity claiming a. unless there is full compliance with all terms of coverage under this policy fails to perform these this policy; and duties. These duties do not waive any of our rights. b. until the obligation of any insured has been 4. Limits: determined by a final judgment or an a. The Coverage E limit shown in the agreement signed by us. Declarations is our limit for all damages from 9. Legal Action Against Any Insured. each occurrence. This is our limit regardless No person or organization has the right to join us of the number of insureds or claimants as a party to any legal action against any insured. involved, persons injured, claims made, or suits brought. b. The Coverage F limit shown in the Declarations is our limit for all medical

GENERAL CONDITIONS

1. Assignment. c. Coverage under Section I and Section II of this No interest, right, or duty under this policy or any policy is not provided for any person or entity claim arising under this policy may be assigned that is not an insured if, before or after a loss, without our written consent. that person or entity has: 2. Cancellation. (1) concealed or misrepresented any material See state amendatory endorsement. fact or circumstance; 3. Concealment Or Fraud. (2) presented any altered or falsified document a. This policy was issued in reliance upon the or receipt; information and warranties in your insurance (3) engaged in fraudulent conduct; or application. (4) made false statements; We may void this policy from its inception if relating to this insurance or any claim under you: this policy. (1) concealed or misrepresented any material d. Coverage under Section II of this policy is not fact or circumstance; or provided for an insured if, before or after a (2) made false statements; loss, that insured has: in your application. (1) concealed or misrepresented any material b. Coverage under Section I of this policy is not fact or circumstance; provided for any insured if, before or after a (2) presented any altered or falsified document loss, any insured has: or receipt; (1) concealed or misrepresented any material (3) engaged in fraudulent conduct; or fact or circumstance; (4) made false statements; (2) presented any altered or falsified document relating to this insurance or any claim under or receipt; this policy. (3) engaged in fraudulent conduct; or 4. Conformity. (4) made false statements; This policy is subject to the statutes of the state in relating to this insurance or any claim under which the residence premises is located. If any this policy. part of this policy is contrary to such statutes, we

HO 80 03 01 14 Page 24 of 25 agree to alter that part of the policy to make it to help us exercise our recovery rights; and do conform. However, all other parts of this policy will nothing after a loss to harm our rights. remain the same. 11. Policy Change Documents. 5. Death. Any policy change document made part of this This applies to insurance on property covered by policy, at any time, changes the information shown this policy and legal liability arising out of that in the Declarations until the end of the policy property. If you die, we will insure: period. a. your legal representative; 12. Policy Period, Renewal, Premiums, And Changes. b. any insured who is a resident of the Insurance begins and ends at 12:01 A.M. Standard residence premises at the time of your death, Time at the location of the residence premises on as long as he or she remains a resident of the the policy period dates shown in the Declarations. residence premises; or You may continue this policy by paying the c. a person having proper temporary custody of premium on or before the due date in your Billing your property until the appointment of your Notice. If you do not pay the premium when due, legal representative. this policy will be cancelled. We base the premium 6. Endorsements. for each policy period on our current manuals. We Any time an endorsement is made a part of this determine this premium based on the information policy it changes the terms of this policy. Where we have when the policy period begins. Any any terms in this Form differ from any similar terms change in this information during that policy period in an endorsement, the terms in that which affects the rating of your policy allows us to endorsement prevail. make an added charge or refund on a pro rata basis. 7. Inspection. You are responsible for paying all premiums. We We may, but have no duty to, inspect your will pay you for any return premiums due. property or operations. Our inspection report or any resulting advice does not warrant that your You may be charged a fee when: property or operations are safe, healthful, or in a. you pay less than the full amount due; compliance with any law or regulation. We have no b. your payment is late; or duty to provide a copy of any report if we do an c. your payment is not honored. inspection. Please refer to your Billing Notice for fee amounts. 8. Liberalization. We may replace or add policy forms or If we broaden any coverage without additional endorsements at any anniversary date, per our premium, the broadened coverage will apply. This manual rules in effect at that time. will take place on the date we make the change in If this policy replaces any other policy ending at your state. 12:00 Noon Standard Time on the date this policy 9. Nonrenewal. begins, this policy will begin at 12:00 Noon See state amendatory endorsement. Standard Time instead of at 12:01 A.M. Standard 10. Our Recovery Rights. Time. An insured may waive in writing before a loss all 13. Waiver Or Change Of Policy Terms. rights of recovery against any person. If not Only you are authorized to request a waiver or waived, we may require an assignment of rights of change of any policy term, on behalf of all recovery to the extent that we make payment for a insureds. We must agree to any request for waiver loss. If we require an assignment, an insured must or change of any policy term. This policy can only sign and deliver all related papers and cooperate be changed by us. Any policy change must be in with us. An insured must do all that is necessary writing.

Our President and Secretary sign this policy at Madison, Wisconsin on our behalf. If state law requires, our authorized representative countersigns the Declarations.

[ ] [ ] President Secretary

©Includes copywrited material of Insurance Services Office, Inc., with its permission.

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