HOMEOWNERS UPCIC HO4 15 05 18

HOMEOWNERS 4 – CONTENTS BROAD FORM TABLE OF CONTENTS

GENERAL Power Failure ...... 16 Agreement ...... 3 Neglect ...... 16 Definitions ...... 3 War ...... 16 Nuclear Hazard ...... 16 SECTION I – PROPERTY COVERAGES Intentional Loss ...... 16 Coverage C – Personal Property ...... 7 Governmental Action ...... 16 Special Limits of Liability ...... 7 Assignee(s) or Third Parties...... 16 Property Not Covered ...... 8 Criminal or Illegal Activity ...... 16 Coverage D – Loss of Use ...... 8 “Fungi”, Wet or Dry Rot or Bacteria ...... 16 ADDITIONAL COVERAGES Existing Damage ...... 16 Debris Removal ...... 9 SECTION I – CONDITIONS Reasonable Emergency Measures ...... 9 Insurable Interest and Limit of Liability ...... 17 Trees, Shrubs and Other Plants ...... 9 Deductible ...... 17 Fire Department Service Charge ...... 10 Duties After Loss ...... 17 Property Removed ...... 10 Loss Settlement ...... 18 Credit Card, Electronic Fund Transfer Card or Loss to a Pair or Set ...... 18 Access Device, Forgery and Counterfeit Money . 10 Mediation or Appraisal ...... 18 Loss Assessment ...... 10 Other Insurance and Service Agreement ...... 18 Collapse ...... 11 Suit Against Us ...... 18 Glass or Safety Glazing Material ...... 12 Our Option ...... 18 Building Additions and Alterations ...... 12 Loss Payment ...... 19 Ordinance or Law ...... 12 Abandonment of Property ...... 19 Grave Markers ...... 13 No Benefit to Bailee ...... 19 Catastrophic Ground Cover Collapse ...... 13 Nuclear Hazard Clause ...... 19 “Fungi”, Wet or Dry Rot or Bacteria ...... 13 Recovered Property ...... 19 SECTION I – PERILS INSURED AGAINST Volcanic Eruption Period ...... 19 Policy Period ...... 19 Fire or Lightning ...... 13 Concealment or Fraud ...... 19 Windstorm or Hail ...... 13 Loss Payable Clause ...... 20 Explosion ...... 14 Riot or Civil Commotion ...... 14 SECTION II – LIABILITY COVERAGES Aircraft ...... 14 Coverage E – Personal Liability ...... 20 Vehicles ...... 14 Coverage F – Medical Payments to Others ...... 20 Smoke ...... 14 SECTION II – EXCLUSIONS Vandalism or Malicious Mischief ...... 14 Theft ...... 14 “Motor Vehicle Liability” ...... 20 Falling Objects ...... 14 “Watercraft Liability” ...... 21 Weight of Ice, Snow or Sleet ...... 14 “Aircraft Liability” ...... 21 Accidental Discharge or Overflow of Water or “Hovercraft Liability” ...... 21 Steam ...... 14 Coverage E & F ...... 21 Sudden and Accidental Tearing Apart, Cracking, Coverage E ...... 23 Burning or Bulging ...... 15 Coverage F...... 24 Freezing ...... 15 SECTION II – ADDITIONAL COVERAGES Sudden and Accidental Damage From Artificially Claim Expenses ...... 24 Generated Electrical Current ...... 15 First Aid Expenses ...... 24 Volcanic Eruption ...... 15 Damage to Property of Others ...... 24 SECTION I – EXCLUSIONS Loss Assessment ...... 24 Ordinance or Law ...... 15 Earth Movement ...... 15 Water ...... 15

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SECTION II – CONDITIONS SECTION I AND II – CONDITIONS Limit of Liability ...... 25 Liberalization Clause ...... 26 Severability of Insurance ...... 25 Waiver or Change of Policy Provisions ...... 27 Duties After “Occurrence” ...... 25 Cancellation ...... 27 Duties of an Injured Person – Coverage F – Nonrenewal ...... 28 Medical Payments to Others...... 26 Assignment...... 28 Payment of Claim – Coverage F – Medical Our Right to Recover Payment ...... 28 Payment to Others ...... 26 Death ...... 28 Suit Against Us ...... 26 Renewal Notification ...... 28 Bankruptcy of an “Insured” ...... 26 Advance Notice ...... 28 Other Insurance ...... 26 Policy Period ...... 26 Concealment or Fraud ...... 26

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HOMEOWNERS UPCIC HO4 15 05 18

HOMEOWNERS 4 – CONTENTS BROAD FORM

AGREEMENT water by wind, engine power or electric motor; We will provide the insurance described in this policy in return for the premium and compliance with all (4) Motor vehicle means a "motor applicable provisions of this policy. vehicle" as defined in 15. below; and DEFINITIONS (5) Drone means a “drone” as defined in 5. below. A. In this policy, "you" and "your" refer to the "named insured" shown in the Declarations and the 2. "Bodily injury" means bodily harm, sickness or spouse if a resident of the same household. "We", disease, including required care, loss of "us" and "our" refer to the Company providing this services and death that results. insurance. 3. "Business" means: B. In addition, certain words and phrases are defined a. A trade, profession or occupation as follows: engaged in on a full-time, part-time or 1. "Aircraft Liability", “Drone Liability”, occasional basis; "Hovercraft Liability", "Motor Vehicle Liability" b. “Home-sharing host activities”; or and "Watercraft Liability", subject to the c. Any other activity engaged in for money provisions in b. below, mean the following: or other compensation, except the a. Liability for "bodily injury" or "property following: damage" arising out of the: (1) One or more activities, not described (1) Ownership, rental or borrowing of in (2) through (4) below, for which no such vehicle or craft by an "insured"; "insured" receives more than $2,000 (2) Maintenance, occupancy, operation, in total compensation for the 12 use, loading or unloading of such months before the beginning of the vehicle or craft by any person; policy period; (3) Entrustment of such vehicle or craft (2) Volunteer activities for which no by an "insured" to any person; money is received other than payment for expenses incurred to (4) Failure to supervise or negligent perform the activity; supervision of any person involving such vehicle or craft by an "insured"; (3) Providing home day care services for or which no compensation is received, other than the mutual exchange of (5) Vicarious liability, whether or not such services; or imposed by law, for the actions of a child or minor involving such vehicle (4) The rendering of home day care or craft. services to a relative of an "insured". b. For the purpose of this definition: 4. “Catastrophic ground cover collapse” means geological activity that results in all of the (1) Aircraft means any contrivance used following: or designed for flight, except model or hobby aircraft not used or designed to a. The abrupt collapse of the ground cover; carry people or cargo; b. A depression in the ground cover clearly (2) Hovercraft means a self-propelled visible to the naked eye; motorized ground effect vehicle and c. “Structural damage” of the “principal includes, but is not limited to, building” insured under this policy, flarecraft and air cushion vehicles; including the foundation; and (3) Watercraft means a craft principally d. The “principal building” or structure being designed to be propelled on or in condemned and ordered to be vacated by

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the governmental agency authorized by 10. "Home-sharing network platform" means an law to issue such an order for that online-enabled application, web site or digital “principal building”. network that: Damage consisting merely of the settling or a. Is used for the purpose of facilitating, for cracking of a foundation, structure, or building money, mutual exchange of services or does not constitute a loss resulting from a other compensation, the rental of a “catastrophic ground cover collapse”. dwelling or other structure, in whole or in "Catastrophic ground cover collapse" part; and coverage does not apply to Coverage B b. Allows for the agreement and structures. compensation with respect to such rental 5. “Diminution in value” means any reduction in to be transacted through such online- value of any covered property prior to or enabled application, web site or digital following repair or replacement as compared network. to the value of that property immediately 11. "Home-sharing occupant" means a person, before the loss. other than an "insured", who: 6. “Drone” means any unmanned aircraft or ship a. Has entered into an agreement or that can navigate autonomously without arranged compensation with an "insured" human control or beyond line of sight by way through the use of a "home-sharing of GPS, remote control, or on board network platform" for "home-sharing host computer. activities"; or 7. "Employee" means an employee of an b. Is accompanying or staying with a person "insured", or an employee leased to an described in Paragraph 11.a. of this "insured" by a labor leasing firm under an definition under such "home-sharing host agreement between an "insured" and the activities". labor leasing firm, whose duties are other c. In this policy, the terms roomer, boarder, than those performed by a "residence tenant or guest do not include a “home- employee". sharing occupant”. 8. "Fungi" means: 12. “Hurricane occurrence” means: a. Any type or form of fungus, including A storm system that has been declared to be mold or mildew; and any mycotoxins, a hurricane by the National Hurricane Center spores, scents or byproducts produced or of the National Weather Service, with a released by fungi. duration that: b. Under Section II, this does not include a. Begins at the time a hurricane watch or any fungi that are in, are on, or are hurricane warning is issued for any part of contained in, a good or product intended Florida by the National Hurricane Center for consumption. of the National Weather Service; 9. “Home-sharing host activities” means: b. Continues for the time period during a. The: which the hurricane conditions exist (1) Rental or holding for rental; or anywhere in Florida; and (2) Mutual exchange of services; c. Ends 72 hours following the termination of the last hurricane watch or hurricane of the "residence premises", in whole or warning issued for any part of Florida by in part, by an "insured" to a "home- the National Hurricane Center of the sharing occupant" through the use of a National Weather Service. "home-sharing network platform"; and 13. "Insured" means: b. Any other related property or services made available by an "insured" for use a. You and residents of your household who during such: are: (1) Rental; or (1) Your relatives; or (2) Mutual exchange of services; (2) Other persons under the age of 21 and in your care or the care of a except those property or services resident of your household who is provided by another party. your relative;

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b. A student enrolled in school full-time, as f. Land owned by or rented to an "insured" defined by the school, who was a resident on which a one- or two-family dwelling is of your household before moving out to being built as a residence for an attend school, provided the student is "insured"; under the age of: g. Individual or family cemetery plots or (1) 24 and your relative; or burial vaults of an "insured"; or (2) 21 and in your care or the care of a h. Any part of a premises occasionally resident of your household who is rented to an "insured" for other than your relative; or "business" use. c. Under Section II: 15. “Marring” means to: (1) With respect to animals or watercraft a. Disfigure; to which this policy applies, any b. Deface; person or organization legally responsible for these animals or c. Scar; or watercraft which are owned by you or d. Blemish. any person described in 13.a. or b. 16. "Motor vehicle" means: "Insured" does not mean a person or organization using or having custody a. A self-propelled land or amphibious of these animals or watercraft in the vehicle; or course of any "business" or without b. Any trailer or semitrailer which is being consent of the owner; or carried on, towed by or hitched for towing (2) With respect to a "motor vehicle" to by a vehicle described in a. above. which this policy applies: 17. "Occurrence" means an accident, including (a) Persons while engaged in your continuous or repeated exposure to employ or that of any person substantially the same general harmful described in 13.a. or b.; or conditions, which results, during the policy period, in: (b) Other persons using the vehicle on an "insured location" with your a. "Bodily injury"; or consent. b. "Property damage". Under both Sections I and II, when the word Assault or battery is not an “occurrence,” an immediately precedes the word "insured", when committed by or at the direction of an the words an "insured" together mean one or “insured”. more "insureds". 18. “Personal injury” means injury that arises out 14. "Insured location" means: of one or more of the following offenses: a. The "residence premises"; a. False arrest, detention or imprisonment; b. The part of other premises, other b. Malicious prosecution; structures and grounds used by you as a c. The wrongful eviction from, wrongful entry residence; and into, or invasion of the right of private (1) Which is shown in the Declarations; occupancy of a room, dwelling or or premises that a person occupies, (2) Which is acquired by you during the committed by or on behalf of its owner, policy period for your use as a landlord or lessor; residence; d. Oral or written publication of material that c. Any premises used by you in connection slanders or libels a person or organization with a premises described in a. and b. or disparages a person’s or organization’s above; goods, products or services; or d. Any part of a premises: e. Oral or written publication of material that violates a person’s right to privacy. (1) Not owned by an "insured"; and 19. “Primary structural member” means a (2) Where an "insured" is temporarily structural element designed to provide residing; support and stability for the vertical or lateral e. Vacant land, other than farm land, owned loads of the overall structure. by or rented to an "insured";

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20. “Primary structural system” means an a. Interior floor displacement or deflection in assemblage of “primary structural members”. excess of acceptable variances as 21. “Principal building” means the dwelling where defined in ACI 117–90 or the Florida you reside on the “residence premises” Building Code, which results in settlement shown in the Declarations, including related damage to the interior such that structures attached to the dwelling. “Principal the interior building structure or members building” does not include any other buildings become unfit for service or represents a or structures at that location. safety hazard as defined within the Florida Building Code; 22. "Property damage" means physical injury to, destruction of, or loss of use of tangible b. Foundation displacement or deflection in property. excess of acceptable variances as defined in ACI 318–95 or the Florida 23. "Residence employee" means: Building Code, which results in settlement a. An employee of an "insured", or an related damage to the “primary structural employee leased to an "insured" by a members” or “primary structural systems” labor leasing firm, under an agreement that prevents those members or systems between an "insured" and the labor from supporting the loads and forces they leasing firm, whose duties are related to were designed to support to the extent the maintenance or use of the "residence that stresses in those “primary structural premises", including household or members” or “primary structural systems” domestic services; or exceeds one and one-third the nominal b. One who performs similar duties strength allowed under the Florida elsewhere not related to the "business" of Building Code for new buildings of similar an "insured". structure, purpose, or location; A "residence employee" does not include a c. Damage that results in listing, leaning, or temporary employee who is furnished to an buckling of the exterior load bearing walls "insured" to substitute for a permanent or other vertical “primary structural "residence employee" on leave or to meet members” to such an extent that a plumb seasonal or short-term workload conditions. line passing through the center of gravity does not fall inside the middle one-third of 24. "Residence premises" means: the base as defined within the Florida a. The one-family dwelling where you Building Code; reside; d. Damage that results in the building, or b. The two-family dwelling where you reside any portion of the building containing in at least one of the family units; or "primary structural members" or “primary c. That part of any other building where you structural systems”, being significantly likely to imminently collapse because of reside; the movement or instability of the ground and which is shown as the "residence within the influence zone of the premises" in the Declarations. supporting ground within the sheer plane "Residence premises" also includes other necessary for the purpose of supporting structures and grounds at that location. such building as defined within the Florida Building Code; or 25. “Spalling” means the disintegration of stone or concrete. It can be produced by a variety of e. Damage occurring on or after October 15, mechanisms, including as a result of: 2005, that qualifies as substantial "structural damage" as defined in the a. Projectile impact; Florida Building Code. b. Corrosion; 27. “Vacant” means the dwelling lacks the c. Weathering; necessary amenities, adequate furnishings, d. Cavitation; or or utilities and services to permit occupancy as a residence. e. Excessive rolling pressure (as in a ball bearing). 26. “Structural damage” means a covered building, regardless of the date of its construction, has experienced the following:

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SECTION I – PROPERTY COVERAGES property in that category. These special limits do not increase the Coverage C limit of A. Coverage C – Personal Property liability. 1. Covered Property a. $200 on money, bank notes, bullion, gold We cover personal property owned or used other than goldware, silver other than by an "insured" while it is anywhere in the silverware, platinum other than world. After a loss and at your request, we will platinumware, coins, medals, scrip, cover personal property owned by: stored value cards and smart cards. a. Others while the property is on the part of b. $1,500 on securities, accounts, deeds, the "residence premises" occupied by an evidences of debt, letters of credit, notes "insured"; or other than bank notes, manuscripts, b. A guest or a "residence employee", while personal records, passports, tickets and the property is in any residence occupied stamps. This dollar limit applies to these by an "insured". categories regardless of the medium (such as paper or computer software) on 2. Limit For Property At Other Locations which the material exists. a. Other Residences This limit includes the cost to research, Our limit of liability for personal property replace or restore the information from usually located at an "insured's" the lost or damaged material. residence, other than the "residence c. $1,500 on watercraft of all types, premises", is 10% of the limit of liability including their trailers, furnishings, for Coverage C, or $1,000, whichever is equipment and outboard engines or greater. However, this limitation does not motors. apply to personal property: d. $1,500 on trailers or semitrailers not used (1) Moved from the "residence premises" with watercraft of all types. because the “residence premises” is: e. $1,500 for loss by theft of jewelry, (a) Being repaired, renovated or watches, furs, precious and semiprecious rebuilt; and stones. (b) Not fit to live in or store property f. $2,500 for loss by theft of firearms and in; or related equipment. (2) In a newly acquired principal g. $2,500 for loss by theft of silverware, residence for 30 days from the time silver- plated ware, goldware, gold-plated you begin to move the property there. ware, platinumware, platinum-plated ware b. Self-storage Facilities and pewterware. This includes flatware, hollowware, tea sets, trays and trophies Our limit of liability for personal property made of or including silver, gold or owned or used by an "insured" and pewter. located in a self-storage facility is 10% of the limit of liability for Coverage C, or h. $2,500 on property, on the "residence $1,000, whichever is greater. However, premises", used primarily for "business" this limitation does not apply to personal purposes. property: i. $1,500 on property, away from the (1) Moved from the "residence premises" "residence premises", used primarily for because the “residence premises” is: "business" purposes. However, this limit does not apply to antennas, tapes, wires, (a) Being repaired, renovated or records, disks or other media that are: rebuilt; and (1) Used with electronic equipment that (b) Not fit to live in or store property reproduces, receives or transmits in; or audio, visual or data signals; and (2) Usually located in an "insured's" (2) In or upon a "motor vehicle". residence, other than the "residence premises". j. $1,500 on portable electronic equipment that: 3. Special Limits Of Liability (1) Reproduces, receives or transmits The special limit for each category shown audio, visual or data signals; below is the total limit for each loss for all

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(2) Is designed to be operated by more g. Property of: than one power source, one of which is a "motor vehicle's" electrical (1) A “home-sharing occupant”; system; and (2) Any other person occupying the (3) Is in or upon a "motor vehicle". “residence premises” as a result of any “home-sharing host activities”; k. $250 for antennas, tapes, wires, records, and disks or other media that are: (3) Roomers, boarders and other (1) Used with electronic equipment that tenants, except property of roomers reproduces, receives or transmits and boarders related to an "insured"; audio, visual or data signals; and h. Property in: (2) In or upon a "motor vehicle". (1) A space while rented or primarily held 4. Property Not Covered for rental to a “home-sharing We do not cover: occupant”, or a. Articles separately described and (2) An apartment regularly rented or held specifically insured, regardless of the limit for rental to others by an "insured"; for which they are insured, in this or other i. Property used primarily for “home-sharing insurance; host activities”; b. Animals, birds or fish; j. Property rented or held for rental to c. "Motor vehicles". others off the "residence premises"; This includes a "motor vehicle's" k. "Business" data, including such data equipment and parts. However, this stored in: Paragraph 4.c. does not apply to: (1) Books of account, drawings or other (1) Portable electronic equipment that: paper records; or (a) Reproduces, receives or (2) Computers and related equipment. transmits audio, visual or data We do cover the cost of blank recording signals; and or storage media and of prerecorded (b) Is designed so that it may be computer programs available on the retail operated from a power source market; other than a "motor vehicle's" l. Credit cards, electronic fund transfer electrical system. cards or access devices used solely for (2) "Motor vehicles" not required to be deposit, withdrawal or transfer of funds registered for use on public roads or except as provided in F.6. Credit Card, property which are: Electronic Fund Transfer Card Or Access (a) Used solely to service a Device, Forgery And Counterfeit Money residence; or under Section I – Property Coverages; or (b) Designed to assist the m. Water or steam. handicapped; B. Coverage D – Loss Of Use d. Aircraft, meaning any contrivance used or The limit of liability for Coverage D is the total limit designed for flight, including any parts or for the coverages in 1. Additional Living Expense, accessories whether or not attached to 2. Fair Rental Value and 3. Civil Authority the aircraft. Prohibits Use below. We do cover model or hobby aircraft not 1. Additional Living Expense used or designed to carry people or If a loss by a Peril Insured Against under this cargo; policy to covered property or the building e. Hovercraft and parts. Hovercraft means a containing the property makes the "residence self-propelled motorized ground effect premises" not fit to live in, we cover the vehicle and includes, but is not limited to, Additional Living Expense, meaning any flarecraft and air cushion vehicles; necessary increase in living expenses f. “Drones”, including any parts or incurred by you so that your household can accessories attached to the “drone”; maintain its normal standard of living.

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Payment will be for the shortest time required b. We will also pay your reasonable to repair or replace the damage or, if you expense, up to $1,000, for the removal permanently relocate, the shortest time from the "residence premises" of: required for your household to settle (1) Your trees felled by the peril of elsewhere. Windstorm or Hail or Weight of Ice, 2. Fair Rental Value Snow or Sleet; or If a loss covered under Section I makes that (2) A neighbor's trees felled by a Peril part of the "residence premises" rented to Insured Against under Coverage C; others or held for rental by you not fit to live provided the trees: in, we cover the fair rental value of such premises less any expenses that do not (3) Damage a covered structure; or continue while it is not fit to live in. (4) Do not damage a covered structure, However, we do not cover any fair rental but: value arising out of or in connection with (a) Block a driveway on the “home-sharing host activities”. "residence premises" which Payment will be for the shortest time required prevents a "motor vehicle", that is to repair or replace such premises. registered for use on public roads or property, from entering or 3. Civil Authority Prohibits Use leaving the "residence premises"; If a civil authority prohibits you from use of the or "residence premises" as a result of direct (b) Block a ramp or other fixture damage to neighboring premises by a Peril designed to assist a handicapped Insured Against, we cover the loss as person to enter or leave the provided in 1. Additional Living Expense and dwelling building. 2. Fair Rental Value above for no more than two weeks. The $1,000 limit is the most we will pay in any one loss, regardless of the number of 4. Loss Or Expense Not Covered fallen trees. No more than $500 of this We do not cover loss or expense due to limit will be paid for the removal of any cancellation of a lease or agreement. one tree. The periods of time under 1. Additional Living This coverage is additional insurance. Expense, 2. Fair Rental Value and 3. Civil 2. Reasonable Repairs Authority Prohibits Use above are not limited by expiration of this policy. a. We will pay the reasonable cost incurred by you for the necessary measures taken C. Additional Coverages solely to protect covered property that is 1. Debris Removal damaged by a Peril Insured Against from a. We will pay your reasonable expense for further damage. the removal of: b. If the measures taken involve repair to (1) Debris of covered property if a Peril other damaged property, we will only pay Insured Against that applies to the if that property is covered under this damaged property causes the loss; or policy and the damage is caused by a Peril Insured Against. This coverage does (2) Ash, dust or particles from a volcanic not: eruption that has caused direct loss to a building or property contained in (1) Increase the limit of liability that a building. applies to the covered property; or This expense is included in the limit of (2) Relieve you of your duties, in case of liability that applies to the damaged a loss to covered property, described property. If the amount to be paid for the in C.4. under Section I – Conditions. actual damage to the property plus the 3. Trees, Shrubs And Other Plants debris removal expense is more than the We cover trees, shrubs, plants or lawns, on limit of liability for the damaged property, the "residence premises", for loss caused by an additional 5% of that limit is available the following Perils Insured Against: for such expense. a. Fire or Lightning; b. Explosion;

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c. Riot or Civil Commotion; (3) Loss to an "insured" caused by d. Aircraft; forgery or alteration of any check or negotiable instrument; and e. Vehicles not owned or operated by a resident of the "residence premises"; (4) Loss to an "insured" through acceptance in good faith of f. Vandalism or Malicious Mischief; or counterfeit United States or Canadian g. Theft. paper currency. We will pay up to 10% of the limit of liability All loss resulting from a series of acts that applies to Coverage C for all trees, committed by any one person or in which shrubs, plants or lawns. No more than $500 any one person is concerned or of this limit will be paid for any one tree, shrub implicated is considered to be one loss. or plant. We do not cover property grown for This coverage is additional insurance. No "business" purposes. deductible applies to this coverage. This coverage is additional insurance. b. We do not cover: 4. Fire Department Service Charge (1) Use of a credit card, electronic fund We will pay up to $500 for your liability transfer card or access device: assumed by contract or agreement for fire (a) By a resident of your household; department charges incurred when the fire department is called to save or protect (b) By a person who has been covered property from a Peril Insured Against. entrusted with either type of card We do not cover fire department service or access device; or charges if the property is located within the (c) If an "insured" has not complied limits of the city, municipality or protection with all terms and conditions district furnishing the fire department under which the cards are issued response. or the devices accessed; or This coverage is additional insurance. No (2) Loss arising out of "business" use or deductible applies to this coverage. dishonesty of an "insured". 5. Property Removed c. If the coverage in a. above applies, the We insure covered property against direct following defense provisions also apply: loss from any cause while being removed (1) We may investigate and settle any from a premises endangered by a Peril claim or suit that we decide is Insured Against and for no more than 30 days appropriate. Our duty to defend a while removed. claim or suit ends when the amount This coverage does not change the limit of we pay for the loss equals our limit of liability that applies to the property being liability. removed. (2) If a suit is brought against an 6. Credit Card, Electronic Fund Transfer Card "insured" for liability under a.(1) or (2) Or Access Device, Forgery And above, we will provide a defense at Counterfeit Money our expense by counsel of our choice. a. We will pay up to $500 for: (3) We have the option to defend at our (1) The legal obligation of an "insured" to expense an "insured" or an pay because of the theft or "insured's" bank against any suit for unauthorized use of credit cards the enforcement of payment under issued to or registered in an a.(3) above. "insured's" name; 7. Loss Assessment (2) Loss resulting from theft or unauthorized use of an electronic a. We will pay up to $1,000 for your share of fund transfer card or access device loss assessment charged during the used for deposit, withdrawal or policy period against you, as owner or transfer of funds, issued to or tenant of the "residence premises", by a registered in an "insured's" name; corporation or association of property owners. The assessment must be made as a result of direct loss to property, owned by all members collectively, of the

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type that would be covered by this policy (a) Collapsed; if owned by you, caused by a Peril (b) In danger of collapsing or caving Insured Against under Coverage C, other in; or than: (c) Separated from another part of (1) Earthquake; or the system; (2) Land shock waves or tremors before, due to: during or after a volcanic eruption. (a) Age, obsolescence, wear, tear; The limit of $1,000 is the most we will pay with respect to any one loss, regardless (b) Fading, oxidization, weathering; of the number of assessments. We will (c) Deterioration, decay, marring, only apply one deductible, per unit, to the delamination, crumbling, settling, total amount of any one loss to the cracking; property described above, regardless of (d) Shifting, bulging, racking, the number of assessments. sagging, bowing, bending, b. We do not cover assessments charged leaning; against you or a corporation or (e) Shrinkage, expansion, association of property owners by any contraction, bellying, corrosion; or governmental body. (f) any other age or maintenance c. Paragraph P. Policy Period under related issue. Section I – Conditions does not apply to this coverage. However, this Additional Coverage – Collapse will apply to that part of a This coverage is additional insurance. building’s plumbing system damaged by 8. Collapse an abrupt collapse of a covered building, a. The coverage provided under this or abrupt collapse of any part of a Additional Coverage – Collapse applies covered building. only to an abrupt collapse. d. We insure for direct physical loss to b. For the purpose of this Additional covered property involving abrupt Coverage – Collapse, abrupt collapse collapse of a building or any part of a means an abrupt falling down or caving in building if such collapse was caused by of a building or any part of a building with one or more of the following: the result that the building or part of the (1) The Perils Insured Against; building cannot be occupied for its (2) Decay, of a building or any part of a intended purpose. building, that is hidden from view, c. This Additional Coverage – Collapse unless the presence of such decay is does not apply to: known to an "insured" prior to (1) A building or any part of a building collapse; that is in danger of falling down or However, d.(2) above does not caving in; provide coverage for a plumbing (2) A building or any part of a building system or any part of a plumbing that is standing, even if it has system resulting from decay as separated from another part of the described in 8.c.(4) above; building; (3) Insect or vermin damage, to a (3) A building or any part of a building building or any part of a building, that that is standing, even if it shows is hidden from view, unless the evidence of “spalling”, crumbling, presence of such damage is known to settling, cracking, shifting, bulging, an "insured" prior to collapse; racking, sagging, bowing, bending, (4) Weight of contents, equipment, leaning, shrinkage or expansion; or animals or people; (4) The plumbing system, or any part of (5) Weight of rain which collects on a the plumbing system, whether above roof; or or below the ground, when the (6) Use of defective material or methods plumbing system or any part of the in construction, remodeling or plumbing system is: renovation if the collapse occurs

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during the course of the construction, a.(2) above. A dwelling being remodeling or renovation. constructed is not considered e. Loss to a: “vacant”. (1) Fence, awning, patio, deck, c. This coverage does not increase the limit pavement; of liability that applies to the damaged property. (2) Swimming pool, underground pipe, flue, drain, cesspool; 10. Building Additions And Alterations (3) Foundation, retaining wall, bulkhead, We cover under Coverage C the building pier, wharf or dock; improvements or installations, made or acquired at your expense, to that part of the (4) Cistern, plumbing system, or any part "residence premises" used exclusively by of a plumbing system, or similar you. The limit of liability for this coverage will structure; not be more than 10% of the limit of liability whether above or below the ground, is that applies to Coverage C. not included under d.(2) through d.(6) This coverage is additional insurance. above, unless the loss is a direct result of the collapse of a building or any part of a 11. Ordinance Or Law building. a. You may use up to 25% of the limit of This coverage does not increase the limit of liability that applies to Building Additions liability that applies to the damaged covered And Alterations for the increased costs property. you incur due to the enforcement of any ordinance or law which requires or For purposes of this Additional Coverage 8., a regulates: plumbing system includes a septic system. (1) The construction, demolition, 9. Glass Or Safety Glazing Material remodeling, renovation or repair of a. We cover: that part of a covered building or (1) The breakage of glass or safety other structure damaged by a Peril glazing material which is part of a Insured Against; building, storm door or storm window (2) The demolition and reconstruction of and covered as Building Additions the undamaged part of a covered And Alterations; building or other structure, when that (2) The breakage of glass or safety building or other structure must be glazing material which is part of a totally demolished because of building, storm door or storm window damage by a Peril Insured Against to and covered as Building Additions another part of that covered building And Alterations when caused directly or other structure; or by earth movement; and (3) The remodeling, removal or (3) The direct physical loss to covered replacement of the portion of the property caused solely by the pieces, undamaged part of a covered building fragments or splinters of broken glass or other structure necessary to or safety glazing material which is complete the remodeling, repair or part of a building, storm door or storm replacement of that part of the window. covered building or other structure damaged by a Peril Insured Against. b. This coverage does not include loss: b. You may use all or part of this ordinance (1) To covered property which results or law coverage to pay for the increased because the glass or safety glazing costs you incur to remove debris resulting material has been broken, except as from the construction, demolition, provided in a.(3) above; or remodeling, renovation, repair or (2) On the "residence premises" if the replacement of property as stated in a. dwelling has been “vacant” for more above. than 30 consecutive days c. We do not cover: immediately before the loss, except when the breakage results directly (1) The loss in value to any covered from earth movement as provided in building or other structure due to the

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requirements of any ordinance or law; level of “fungi”, wet or dry rot, or or bacteria whether performed prior to, (2) The costs to comply with any during or after removal, repair, ordinance or law which requires any restoration or replacement. The cost "insured" or others to test for, of such testing will be provided only monitor, clean up, remove, contain, to the extent that there is a reason to treat, detoxify or neutralize, or in any believe that there is the presence of way respond to, or assess the effects “fungi”, wet or dry rot, or bacteria. of, pollutants in or on any covered b. The coverage described in 14.a. only building or other structure. applies when such loss or costs are a Pollutants means any solid, liquid, result of a Peril Insured Against that gaseous or thermal irritant or occurs during the policy period and only if contaminant, including smoke, vapor, all reasonable means were used to save soot, fumes, acids, alkalis, chemicals and preserve the property from further and waste. Waste includes materials damage at and after the time the Peril to be recycled, reconditioned or Insured Against occurred. reclaimed. c. Each Covered Loss: This coverage is additional insurance. $10,000 is the most we will pay for the 12. Grave Markers total of all loss or costs payable under this Additional Coverage resulting from any We will pay up to $5,000 for grave markers, one covered loss. including mausoleums, on or away from the "residence premises" for loss caused by a d. Policy Aggregate Peril Insured Against. $20,000 is the most we will pay for the This coverage does not increase the limits of total of all loss or costs payable under this liability that apply to the damaged covered Additional Coverage for all covered property. losses, regardless of the: 13. Catastrophic Ground Cover Collapse (1) Number of locations insured; or “Catastrophic ground cover collapse” (2) Number of claims made. coverage is added for loss to contents e. If there is covered loss or damage to described for Coverage C – Personal covered property not caused, in whole or Property. in part, by "fungi", wet or dry rot, or Section I – Exclusions, 2. Earth Movement bacteria, loss payment will not be limited does not apply to a “catastrophic ground by the terms of this Additional Coverage, cover collapse” loss. except to the extent that "fungi", wet or dry rot, or bacteria cause an increase in 14. “Fungi”, Wet Or Dry Rot, Or Bacteria the loss. Any such increase in the loss a. Subject to c. Each Covered Loss and will be subject to the terms of this d. Policy Aggregate below, we will pay Additional Coverage. for: This coverage does not increase the limit of (1) The total of all loss payable under liability applying to the damaged covered Section I – Property Coverages property. caused by “fungi”, wet or dry rot, or SECTION I – PERILS INSURED AGAINST bacteria; We insure for direct physical loss to the property (2) The cost to remove “fungi”, wet or dry described in Coverage C caused by any of the rot, or bacteria from property covered following perils unless the loss is excluded in under Section I – Property Section I – Exclusions. However, loss does not Coverages; include and we will not pay for any “diminution in (3) The cost to tear out and replace any value”. part of the building or other covered 1. Fire Or Lightning property as needed to gain access to the “fungi”, wet or dry rot, or bacteria; 2. Windstorm Or Hail and This peril includes loss to watercraft of all types (4) The cost of testing of air or property and their trailers, furnishings, equipment, and to confirm the absence, presence, or

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outboard engines or motors, only while inside a (a) Trailers, semitrailers and campers; fully enclosed building. (b) Watercraft of all types, and their This peril does not include loss to the property furnishings, equipment and outboard contained in a building caused by rain, snow, engines or motors; or sleet, sand or dust unless the direct force of wind (c) Property while at any other residence or hail damages the building causing an opening owned by, rented to, or occupied by in a roof or wall and the rain, snow, sleet, sand or an "insured", except while an dust enters through this opening. "insured" is temporarily living there. 3. Explosion Property of an "insured" who is a 4. Riot Or Civil Commotion student is covered while at the residence the student occupies to 5. Aircraft attend school as long as the student This peril includes self-propelled missiles and has been there at any time during the spacecraft. 90 days immediately before the loss; 6. Vehicles or 7. Smoke (5) If such loss arises out of or results from “home-sharing host activities”. This peril means sudden and accidental damage from smoke, including the emission or puffback of 10. Falling Objects smoke, soot, fumes or vapors from a boiler, This peril does not include loss to the property furnace or related equipment. contained in the building unless the roof or an This peril does not include loss caused by smoke outside wall of the building is first damaged by a from agricultural smudging or industrial falling object. Damage to the falling object itself is operations. not included. 8. Vandalism Or Malicious Mischief 11. Weight Of Ice, Snow Or Sleet This peril does not include loss to property on the This peril means weight of ice, snow or sleet "residence premises", and any ensuing loss which causes damage to the property contained caused by any intentional and wrongful act in the building. committed in the course of the vandalism or 12. Accidental Discharge Or Overflow Of Water Or malicious mischief if: Steam a. The “residence premises” or the building a. This peril means accidental discharge or containing the “residence premises” has been overflow of water or steam from within a “vacant” for more than 30 consecutive days plumbing, heating, air conditioning or immediately before the loss. A dwelling being automatic fire protective sprinkler system or constructed is not considered “vacant”. from within a household appliance. b. The loss arises out of or results from “home- b. This peril does not include loss: sharing host activities”. (1) To the system or appliance from which 9. Theft the water or steam escaped; a. This peril includes attempted theft and loss of (2) Caused by or resulting from freezing property from a known place when it is likely except as provided in Peril Insured that the property has been stolen. Against 14. Freezing; b. This peril does not include loss caused by (3) On the "residence premises" caused by theft: accidental discharge or overflow which (1) Committed by an "insured"; occurs away from the building where the "residence premises" is located; or (2) In or to a dwelling under construction, or of materials and supplies for use in the (4) To a building caused by constant or construction until the dwelling is finished repeated seepage or leakage of water or and occupied; steam or the presence or condensation of humidity, moisture or vapor, over a period (3) From that part of a "residence premises" of weeks, months or years, unless such rented by an "insured" to someone other seepage or leakage of water or steam or than another "insured"; or the presence or condensation of humidity, (4) That occurs off the "residence premises" moisture or vapor and the resulting of: damage is unknown to all "insureds" and

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is hidden within the walls or ceilings or Under Section I – Perils Insured Against, a plumbing beneath the floors or above the ceilings of system includes a septic system. a structure. SECTION I – EXCLUSIONS c. In this peril, a plumbing system or household We do not insure for loss caused directly or indirectly appliance does not include a sump, sump by any of the following. Such loss is excluded pump, irrigation system or related equipment regardless of any other cause or event contributing or a roof drain, gutter, downspout or similar concurrently or in any sequence to the loss. These fixtures or equipment. exclusions apply whether or not the loss event results d. Section I – Exclusion 3. Water, Paragraphs a. in widespread damage or affects a substantial area. and c. that apply to surface water and water 1. Ordinance Or Law below the surface of the ground do not apply to loss by water covered under this peril. Ordinance Or Law means any ordinance or law: 13. Sudden And Accidental Tearing Apart, a. Requiring or regulating the construction, Cracking, Burning Or Bulging demolition, remodeling, renovation or repair of property, including removal of any resulting This peril means sudden and accidental tearing debris. This Exclusion 1.a. does not apply to apart, cracking, burning or bulging of a steam or the amount of coverage that may be provided hot water heating system, an air conditioning or for in Additional Coverage 11. Ordinance Or automatic fire protective sprinkler system, or an Law under Section I – Property Coverages; appliance for heating water. b. The requirements of which result in a loss in This peril does not include loss caused by or value to property; or resulting from freezing except as provided in Peril Insured Against 14. Freezing below. c. Requiring any "insured" or others to test for, monitor, clean up, remove, contain, treat, 14. Freezing detoxify or neutralize, or in any way respond a. This peril means freezing of a plumbing, to, or assess the effects of, pollutants. heating, air conditioning or automatic fire Pollutants means any solid, liquid, gaseous or protective sprinkler system or of a household thermal irritant or contaminant, including appliance, but only if you have used smoke, vapor, soot, fumes, acids, alkalis, reasonable care to: chemicals and waste. Waste includes (1) Maintain heat in the building; or materials to be recycled, reconditioned or (2) Shut off the water supply and drain all reclaimed. systems and appliances of water. This Exclusion 1. applies whether or not the However, if the building is protected by an property has been physically damaged. automatic fire protective sprinkler system, you 2. Earth Movement must use reasonable care to continue the Earth Movement means: water supply and maintain heat in the building for coverage to apply. a. Earthquake, including land shock waves or tremors before, during or after a volcanic b. In this peril, a plumbing system or household eruption; appliance does not include a sump, sump pump, irrigation system or related equipment b. Landslide, mudslide or mudflow; or a roof drain, gutter, downspout or similar c. Subsidence or sinkhole; or fixtures or equipment. d. Any other earth movement including earth 15. Sudden And Accidental Damage From sinking, rising or shifting. Artificially Generated Electrical Current This Exclusion 2. applies regardless of whether This peril does not include loss to tubes, any of the above, in 2.a. through 2.d., is caused transistors, electronic components or circuitry that by an act of nature or is otherwise caused. is a part of appliances, fixtures, computers, home However, direct loss by fire, explosion or theft entertainment units or other types of electronic resulting from any of the above, in 2.a. through apparatus. 2.d., is covered. 16. Volcanic Eruption This Exclusion 2. does not apply to loss by This peril does not include loss caused by “catastrophic ground cover collapse”. earthquake, land shock waves or tremors.

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3. Water c. Destruction, seizure or use for a military purpose. This means: Discharge of a nuclear weapon will be deemed a a. Flood, surface water, waves, including tidal warlike act even if accidental. wave and tsunami, tides, tidal water, overflow of any body of water, or spray from any of 7. Nuclear Hazard these, all whether or not driven by wind, This Exclusion 7. pertains to Nuclear Hazard to including storm surge; the extent set forth in M. Nuclear Hazard Clause b. Water which: under Section I – Conditions. (1) Backs up through sewers or drains; or 8. Intentional Loss (2) Overflows or is otherwise discharged Intentional Loss means any loss arising out of any from a sump, sump pump or related act an "insured" commits or conspires to commit equipment; with the intent to cause a loss. c. Water below the surface of the ground, In the event of such loss, no "insured" is entitled including water which exerts pressure on, or to coverage, even "insureds" who did not commit seeps, leaks or flows through a building, or conspire to commit the act causing the loss. sidewalk, driveway, patio, foundation, 9. Governmental Action swimming pool or other structure; or Governmental Action means the destruction, d. Waterborne material carried or otherwise confiscation or seizure of property described in moved by any of the water referred to in 3.a. Coverage C by order of any governmental or through 3.c. of this exclusion. public authority. This Exclusion 3. applies regardless of whether This exclusion does not apply to such acts any of the above, in 3.a. through 3.d., is caused ordered by any governmental or public authority by an act of nature or is otherwise caused. that are taken at the time of a fire to prevent its This Exclusion 3. applies to, but is not limited to, spread, if the loss caused by fire would be escape, overflow or discharge, for any reason, of covered under this policy. water or waterborne material from a dam, levee, 10. Assignee(s) Or Third Parties, meaning we will seawall or any other boundary or containment not be responsible for payment under Section I system. and II – Conditions, E. Assignment, to any However, direct loss by fire, explosion or theft assignee(s) or third parties, for payments on resulting from any of the above, in 3.a. through losses that are not covered under this policy. 3.d., is covered. 11. Criminal Or Illegal Activity, meaning any and all 4. Power Failure criminal or illegal acts performed by any “insured” that result in damage to structure or personal Power Failure means the failure of power or other property. utility service if the failure takes place off the "residence premises". But if the failure of power or 12. "Fungi", Wet Or Dry Rot, Or Bacteria, meaning other utility service results in a loss, from a Peril the presence, growth, proliferation, spread or any Insured Against on the "residence premises", we activity of "fungi", wet or dry rot, or bacteria. will pay for the loss or damage caused by that This exclusion does not apply: Peril Insured Against. a. When "fungi", wet or dry rot, or bacteria result 5. Neglect from fire or lightning; or Neglect means neglect of an "insured" to use all b. To the extent coverage is provided for in the reasonable means to save and preserve property "Fungi", Wet Or Dry Rot, Or Bacteria at and after the time of a loss. Additional Coverage under Section I – 6. War Property Coverages with respect to loss caused by a Peril Insured Against other than War includes the following and any consequence fire or lightning. of any of the following: Direct loss by a Peril Insured Against resulting a. Undeclared war, civil war, insurrection, from "fungi", wet or dry rot, or bacteria is covered. rebellion or revolution; 13. Existing Damage, meaning damages which b. Warlike act by a military force or military occurred prior to policy inception regardless of personnel; or whether such damages were apparent at the time

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of the inception of this policy or discovered at a 7. As often as we reasonably require: later date. a. Show us the damaged property and the This exclusion does not apply in the event of a cause of loss, if reasonably possible; total loss caused by a Peril Insured Against. b. Provide us with records and documents SECTION I – CONDITIONS we request and permit us to make copies; A. Insurable Interest And Limit Of Liability and Even if more than one person has an insurable c. Any and all “insureds” must submit to interest in the property covered, we will not be recorded statements when requested by liable in any one loss: us; 1. To an "insured" for more than the amount of d. In the County where the “residence such "insured's" interest at the time of loss; or premises” is located you, your agents, your representatives and any and all 2. For more than the applicable limit of liability. “insureds” must submit to examination B. Deductible under oath, while not in the presence of Unless otherwise noted in this policy, the another "insured", and sign the same following deductible provision applies: when requested by us; With respect to any one loss: At your or our request, the examinations will be conducted separately and not in 1. Subject to the applicable limit of liability, we the presence of any other persons except will pay only that part of the total of all loss legal representation; payable that exceeds the deductible amount shown in the Declarations. e. Permit us to take samples of damaged and undamaged property for inspection, 2. If two or more deductibles under this policy testing and analysis; and apply to the loss, only the highest deductible amount will apply. f. Any and all “insureds” must execute all authorizations for the release of C. Duties After Loss information when requested by us; In case of a loss to covered property, we have no 8. You must give notice of a claim, a duty to provide coverage under this policy if the supplemental claim, or a reopened claim for failure to comply with the following duties is loss or damage caused by the peril of prejudicial to us. These duties must be performed windstorm or hurricane, with us in accordance either by you, an "insured" seeking coverage, or a with the terms of this policy and within three representative of either: years after the hurricane first made landfall or 1. Give prompt notice to us or our agent; the windstorm caused the covered damage. 2. Notify the police in case of loss by theft; For purposes of this Section, the term supplemental claim or reopened claim means 3. Notify the credit card or electronic fund any additional claim for recovery from us for transfer card or access device company in losses from the same hurricane or windstorm case of loss as provided for in C.6. Credit which we have previously adjusted pursuant Card, Electronic Fund Transfer Card Or to the initial claim. This Section does not Access Device, Forgery And Counterfeit affect any applicable limitations on civil Money under Section I – Property Coverages; actions for claims, supplemental claims, or 4. Protect the property from further damage. If reopened claims timely filed under this repairs to the property are required, you must: Section. a. Make reasonable and necessary repairs 9. Send to us, within 60 days after our request, to protect the property; and your signed, sworn proof of loss which sets forth, to the best of your knowledge and b. Keep an accurate record of repair belief: expenses; a. The time and cause of loss; 5. Cooperate with us in the investigation of a claim; b. The interests of all "insureds" and all others in the property involved and all 6. Prepare an inventory of damaged personal liens on the property; property showing the quantity, description, actual cash value and amount of loss. Attach c. Other insurance which may cover the all bills, receipts and related documents that loss; justify the figures in the inventory;

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d. Changes in title or occupancy of the We will pay the cost of conducting any property during the term of the policy; mediation conference except when you fail to e. Specifications of damaged buildings and appear at a conference. That conference will detailed repair estimates; then be rescheduled upon your payment of the mediator’s fee for that rescheduled f. The inventory of damaged personal conference. However, if we fail to appear at a property described in 6. above; mediation conference, we will pay your actual g. Receipts for additional living expenses cash expenses you incur in attending the incurred and records that support the fair conference and also pay the mediator's fee rental value loss; and for the rescheduled conference. h. Evidence or affidavit that supports a claim If we fail to agree on the amount of loss, you under C.6. Credit Card, Electronic Fund or we may: Transfer Card Or Access Device, Forgery 2. Request an appraisal of the loss. However, And Counterfeit Money under both parties must agree to the appraisal Section I – Property Coverages, stating process. In this event, each party will choose the amount and cause of loss. a competent appraiser within 20 days after The duties above apply regardless of whether receiving a written request from the other. you, an "insured" seeking coverage, or a The two appraisers will choose an umpire. If representative of either retains or is assisted by a they cannot agree upon an umpire within 15 party who provides legal advice, insurance advice days, you or we may request that the choice or expert claim advice, regarding an insurance be made by a judge of a court of record in the claim under this policy. state where the “residence premises” is D. Loss Settlement located. The appraisers will separately set the amount of the loss. If the appraisers submit a Covered property losses are settled at actual written report of an agreement to us, the cash value at the time of loss but not more than amount agreed upon will be the amount of the the amount required to repair or replace. loss. If they fail to agree, they will submit their However, the valuation of any covered property differences to the umpire. A decision agreed losses does not include and we will not pay any to by any two will set the amount of the loss. amount for “diminution in value”. Each party will: E. Loss To A Pair Or Set a. Pay its own appraiser; and In case of loss to a pair or set we may elect to: b. Bear the other expenses of the appraisal 1. Repair or replace any part to restore the pair and umpire equally. or set to its value before the loss; or If, however, we demanded the mediation and 2. Pay the difference between actual cash value either party rejects the mediation results, you of the property before and after the loss. are not required to submit to, or participate in, F. Mediation Or Appraisal any appraisal of the loss as a precondition to action against us for failure to pay the loss. If there is a dispute with respect to a claim under this policy, you or we may: G. Other Insurance And Service Agreement 1. Demand a mediation of the loss in If a loss covered by this policy is also covered by: accordance with the rules established by the 1. Other insurance, we will pay only the Department of Financial Services. The loss proportion of the loss that the limit of liability amount must be $500 or more, prior to that applies under this policy bears to the total application of the deductible; or there must be amount of insurance covering the loss; or a difference of $500 or more between the loss settlement amount we offer and the loss 2. A service agreement, this insurance is excess settlement amount that you request. The over any amounts payable under any such settlement in the course of the mediation is agreement. Service agreement means a binding only if both parties agree, in writing, service plan, property restoration plan, home on a settlement and, you have not rescinded warranty or other similar service warranty the settlement within 3 business days after agreement, even if it is characterized as reaching settlement. You may not rescind the insurance. settlement after cashing or depositing the H. Suit Against Us settlement check or draft we provided to you. No action can be brought against us unless there has been full compliance with all of the terms

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under Section I of this policy and the action is there are reasonable circumstances which started within 5 years after the date of loss. prevent us from so doing. I. Our Option Our failure to comply with this paragraph shall At our option, in lieu of issuing any loss payment, not form the sole basis for an action against us if we choose to exercise our option: for breach of contract under this policy or for benefits under this policy. 1. For losses settled on an actual cash value basis, we may repair or replace any part of K. Abandonment Of Property the damaged property with material or We need not accept any property abandoned by property of like kind and quality. an "insured". 2. For losses covered under Coverage C – L. No Benefit To Bailee Personal Property, if form HO 04 90 is a part We will not recognize any assignment or grant of your policy, we may repair the damaged any coverage that benefits a person or property with material of like kind and quality organization holding, storing or moving property without deduction for depreciation. for a fee regardless of any other provision of this 3. We will provide written notice to you no later policy. than thirty (30) days after our inspection of the M. Nuclear Hazard Clause reported loss. 1. "Nuclear Hazard" means any nuclear 4. You must comply with the duties described in reaction, radiation, or radioactive Section I – Conditions, C. Duties After Loss contamination, all whether controlled or Paragraphs 7. and 8. uncontrolled or however caused, or any 5. You must provide access to the property and consequence of any of these. execute any necessary municipal, county or 2. Loss caused by the nuclear hazard will not be other governmental documentation or permits considered loss caused by fire, explosion, or for repairs to be undertaken. smoke, whether these perils are specifically 6. You must execute all work authorizations to named in or otherwise included within the allow contractors and related parties entry to Perils Insured Against. the property. 3. This policy does not apply under Section I to 7. You must otherwise cooperate with repairs to loss caused directly or indirectly by nuclear the property. hazard, except that direct loss by fire resulting 8. You are responsible for payment of the from the nuclear hazard is covered. deductible stated in your Declarations. N. Recovered Property 9. Our right to repair or replace, and our If you or we recover any property for which we decision to do so, is a material part of this have made payment under this policy, you or we contract and under no circumstances relieves will notify the other of the recovery. At your option, you or us of our mutual duties and obligations the property will be returned to or retained by you under this contract. or it will become our property. If the recovered J. Loss Payment property is returned to or retained by you, the loss payment will be adjusted based on the amount We will adjust all losses with you. We will pay you you received for the recovered property. unless some other person is named in the policy or is legally entitled to receive payment. Loss will O. Volcanic Eruption Period be payable upon the earliest of the following: One or more volcanic eruptions that occur within 1. 20 days after we receive your proof of loss a 72-hour period will be considered as one and reach written agreement with you; or volcanic eruption. 2. 60 days after we receive your proof of loss P. Policy Period and: This policy applies only to loss which occurs a. There is an entry of a final judgment; or during the policy period. b. There is a filing of an appraisal award or Q. Concealment Or Fraud a mediation settlement with us. We do not provide coverage to an "insured" who, 3. Under Florida Statutes we are required to pay whether before or after a loss, an "insured" has: or deny an initial, reopened, or supplemental 1. Intentionally concealed or misrepresented property insurance claim or portion of a claim, any material fact or circumstance; within 90 days of notice of such claim unless

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2. Engaged in fraudulent conduct; or c. Is caused by a "residence employee" in 3. Made material false statements; the course of the "residence employee's" employment by an "insured". relating to this insurance. SECTION II – EXCLUSIONS However, we will not deny a claim based on credit information available in public records, whether A. "Motor Vehicle Liability" disclosed or undisclosed, if the policy has been in 1. Coverages E and F do not apply to any effect for more than 90 days. "motor vehicle liability" if, at the time and R. Loss Payable Clause place of an "occurrence", the involved "motor vehicle": If the Declarations shows a loss payee for certain listed insured personal property, the definition of a. Is registered for use on public roads or "insured" is changed to include that loss payee property; with respect to that property. b. Is not registered for use on public roads If we decide to cancel or not renew this policy, or property, but such registration is that loss payee will be notified in writing. required by a law, or regulation issued by a government agency, for it to be used at SECTION II – LIABILITY COVERAGES the place of the "occurrence"; or A. Coverage E – Personal Liability c. Is being: If a claim is made or a suit is brought against an (1) Operated in, or practicing for, any "insured" for damages because of "bodily injury" prearranged or organized race, speed or "property damage" caused by an "occurrence" contest or other competition; to which this coverage applies, we will: (2) Rented to others; 1. Pay up to our limit of liability for the damages for which an "insured" is legally liable. (3) Used to carry persons or cargo for a Damages include prejudgment interest charge; or awarded against an "insured"; and (4) Used for any "business" purpose 2. Provide a defense at our expense by counsel except for a motorized golf cart while of our choice, even if the suit is groundless, on a golfing facility. false or fraudulent. We may investigate and 2. If Exclusion A.1. does not apply, there is still settle any claim or suit that we decide is no coverage for "motor vehicle liability", appropriate. Our duty to settle or defend ends unless the "motor vehicle" is: when our limit of liability for the "occurrence" a. In dead storage on an "insured location"; has been exhausted by payment of a judgment or settlement. b. Used solely to service a residence; B. Coverage F – Medical Payments To Others c. Designed to assist the handicapped and, at the time of an "occurrence", it is: We will pay the necessary medical expenses that are incurred or medically ascertained within three (1) Being used to assist a handicapped years from the date of an accident causing "bodily person; or injury". Medical expenses means reasonable (2) Parked on an "insured location"; charges for medical, surgical, x-ray, dental, d. Designed for recreational use off public ambulance, hospital, professional nursing, roads and: prosthetic devices and funeral services. This coverage does not apply to you or regular (1) Not owned by an "insured"; or residents of your household except "residence (2) Owned by an "insured" provided the employees". As to others, this coverage applies "occurrence" takes place: only: (a) On an "insured location" as 1. To a person on the "insured location" with the defined in Definition B. 14.a, b., permission of an "insured"; or d., e. or h.; or 2. To a person off the "insured location", if the (b) Off an "insured location" and the "bodily injury": "motor vehicle" is: a. Arises out of a condition on the "insured (i) Designed as a toy vehicle for location" or the ways immediately use by children under seven adjoining; years of age; b. Is caused by the activities of an "insured";

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(ii) Powered by one or more (1) An inboard or inboard-outdrive engine batteries; and or motor, including those that power a (iii) Not built or modified after water jet pump, of: manufacture to exceed a (a) 50 horsepower or less and not speed of five miles per hour owned by an "insured"; or on level ground; (b) More than 50 horsepower and 2.d.(1) above does not apply to a not owned by or rented to an motorized golf cart. "insured"; or e. A motorized golf cart, designed to carry (2) One or more outboard engines or up to four persons, not built or modified motors with: after manufacture to exceed a speed of (a) 25 total horsepower or less; or 25 miles per hour on level ground and, at the time of an "occurrence", is within the (b) More than 25 horsepower if the legal boundaries of: outboard engine or motor is not owned by or rented to an (1) A golfing facility and is parked or "insured". stored there, or being used by an "insured" to: Horsepower means the maximum power rating assigned to the engine or motor by the (a) Play the game of golf or for other manufacturer. recreational or leisure activity allowed by the facility; C. “Aircraft Liability" (b) Travel to or from an area where This policy does not cover "aircraft liability". "motor vehicles" or golf carts are D. "Hovercraft Liability" parked or stored; or This policy does not cover "hovercraft liability". (c) Cross public roads at designated E. Coverage E – Personal Liability And points to access other parts of Coverage F – Medical Payments To Others the golfing facility; or Coverages E and F do not apply to the following: B. "Watercraft Liability" 1. Expected Or Intended Injury 1. Coverages E and F do not apply to any "watercraft liability" if, at the time of an "Bodily injury" or "property damage" which is "occurrence", the involved watercraft is being: expected or intended by an "insured", even if the resulting "bodily injury" or "property a. Operated in, or practicing for, any damage": prearranged or organized race, speed contest or other competition. This a. Is of a different kind, quality or degree exclusion does not apply to a sailing than initially expected or intended; or vessel or a predicted log cruise; b. Is sustained by a different person, entity b. Rented to others; or property than initially expected or intended. c. Used to carry persons or cargo for a charge; or However, this Exclusion E.1. does not apply to "bodily injury" or "property damage" d. Used for any "business" purpose. resulting from the use of reasonable force by 2. If Exclusion B.1. does not apply, there is still an "insured" to protect persons or property; no coverage for "watercraft liability" unless, at 2. "Business" the time of the "occurrence", the watercraft: a. "Bodily injury" or "property damage" a. Is stored; arising out of or in connection with a b. Is a sailing vessel, with or without "business" conducted from an "insured auxiliary power, that is: location" or engaged in by an "insured", (1) Less than 26 feet in overall length; or whether or not the "business" is owned or operated by an "insured" or employs an (2) 26 feet or more in overall length and "insured". not owned by or rented to an "insured"; or This Exclusion E.2. applies but is not limited to an act or omission, regardless c. Is not a sailing vessel and is powered by: of its nature or circumstance, involving a service or duty rendered, promised,

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owed, or implied to be provided because 7. Sexual Molestation, Corporal Punishment of the nature of the "business". Or Physical Or Mental Abuse b. With respect to other than “home-sharing "Bodily injury" or "property damage" arising host activities”, this Exclusion E.2. does out of sexual molestation, corporal not apply to: punishment or physical or mental abuse; (1) The rental or holding for rental of an 8. Controlled Substance "insured location"; "Bodily injury" or "property damage" arising (a) On an occasional basis if used out of the use, sale, manufacture, delivery, only as a residence; transfer or possession by any person of a (b) In part for use only as a Controlled Substance as defined by Federal residence, unless a single-family Law. Controlled Substances include but are unit is intended for use by the not limited to cocaine, LSD, marijuana and all occupying family to lodge more narcotic drugs. However, this exclusion does than two roomers or boarders; or not apply to the legitimate use of prescription (c) In part, as an office, school, drugs by a person following the lawful orders studio or private garage; and of a licensed health care professional; (2) An "insured" under the age of 21 9. Animals years involved in a part-time or "Bodily injury" or "property damage" caused occasional, self-employed "business" directly or indirectly by animals owned by or in with no employees; the care, custody or control of an “insured”; 3. Professional Services 10. Unusual Or Excessive Liability "Bodily injury" or "property damage" arising “Bodily injury" or "property damage" caused out of the rendering of or failure to render directly or indirectly by the ownership, professional services; maintenance or use of any of the following: 4. "Insured's" Premises Not An "Insured a. Trampolines; Location" b. Skate board ramps; "Bodily injury" or "property damage" arising c. Swimming pool slides; out of a premises: d. Swimming pool diving boards; a. Owned by an "insured"; e. Unprotected swimming pools; or b. Rented to an "insured"; or f. Unprotected spas; c. Rented to others by an "insured"; Such loss is excluded whether the injury that is not an "insured location"; occurs on the “residence premises” or at any 5. War other location. "Bodily injury" or "property damage" caused In this exclusion, E.10., unprotected is directly or indirectly by war, including the defined as failing to meet the barrier following and any consequence of any of the standards set forth in Florida’s Residential following: Swimming Pool Safety Act; a. Undeclared war, civil war, insurrection, 11. Pollution Or Contaminants rebellion or revolution; "Bodily injury" or "property damage" arising: b. Warlike act by a military force or military a. Out of the ingestion of paint that has lead personnel; or in it; c. Destruction, seizure or use for a military b. Out of the ingestion of paint with lead purpose. compounds in it; Discharge of a nuclear weapon will be c. Out of the inhalation of paint that has lead deemed a warlike act even if accidental; in it; 6. Communicable Disease d. Out of the inhalation of paint that has lead "Bodily injury" or "property damage" which compounds in it; arises out of the transmission of a e. From radon, or any other substance that communicable disease by an "insured"; emits radiation;

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f. In any manner (including liability imposed exclusion does not apply to written by law) from the discharge, disposal, contracts: release or escape of: (1) That directly relate to the ownership, (1) Vapors or fumes; maintenance or use of an "insured (2) Gas or oil; location"; or (3) Toxic chemicals, liquid or gas; (2) Where the liability of others is assumed by you prior to an (4) Waste materials; and "occurrence"; (5) Irritants, contaminants or pollutants; unless excluded in a. above or elsewhere 12. Criminal Activity in this policy; "Bodily injury" or "property damage" arising 2. "Property damage" to property owned by an out of criminal activity, meaning any and all "insured". This includes costs or expenses criminal acts performed by any “insured” incurred by an "insured" or others to repair, regardless of whether the consequences of replace, enhance, restore or maintain such those acts were intended or anticipated; property to prevent injury to a person or 13. Assault Or Battery damage to property of others, whether on or away from an "insured location"; "Bodily injury" or "property damage" arising out of assault or battery, by or at the direction 3. "Property damage" to property rented to, of an “insured”; occupied or used by or in the care of an "insured". This exclusion does not apply to 14. "Personal Injury" "property damage" caused by fire, smoke or This policy does not cover “personal injury”; explosion; or 4. "Bodily injury" to any person eligible to 15. “Drone Liability” receive any benefits voluntarily provided or required to be provided by an "insured" under “Bodily injury” or “property damage” caused any: by or arising out of the ownership, use or supervision of use of a “drone” whether or not a. Workers' compensation law; the “bodily injury” or “property damage” b. Non-occupational disability law; or damage occurs on the “residence premises” or elsewhere. c. Occupational disease law; Exclusions A. "Motor Vehicle Liability", B. 5. "Bodily injury" or "property damage" for which "Watercraft Liability", C. "Aircraft Liability", D. an "insured" under this policy: "Hovercraft Liability", E.4. "Insured's" Premises a. Is also an “insured” under a nuclear Not An "Insured Location" and E.15. “Drone energy liability policy issued by the: Liability” do not apply to "bodily injury" to a (1) Nuclear Energy Liability Insurance "residence employee" arising out of and in the Association; course of the "residence employee's" employment by an "insured". (2) Mutual Atomic Energy Liability Underwriters; F. Coverage E – Personal Liability (3) Nuclear Insurance Association of Coverage E does not apply to: Canada; 1. Liability: or any of their successors; or a. For any loss assessment charged against b. Would be an “insured” under such a you as a member of an association, policy but for the exhaustion of its limit of corporation or community of property liability; or owners, except as provided in D. Loss Assessment under Section II – Additional 6. "Bodily injury" to you or an "insured" as Coverages; defined under Definition 13.a. or b. b. Under any contract or agreement entered This exclusion also applies to any claim made into by an "insured". However, this or suit brought against you or an "insured" to: a. Repay; or

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b. Share damages with; 4. Interest on the entire judgment which accrues after entry of the judgment and before we pay another person who may be obligated to pay or tender, or deposit in court that part of the damages because of "bodily injury" to an judgment which does not exceed the limit of "insured". liability that applies. G. Coverage F – Medical Payments To Others B. First Aid Expenses Coverage F does not apply to "bodily injury": We will pay expenses for first aid to others 1. To a "residence employee" if the "bodily incurred by an "insured" for "bodily injury" covered injury": under this policy. We will not pay for first aid to an a. Occurs off the "insured location"; and "insured". b. Does not arise out of or in the course of C. Damage To Property Of Others the "residence employee's" employment 1. We will pay, at replacement cost, up to by an "insured"; $1,000 per "occurrence" for "property 2. To any person eligible to receive benefits damage" to property of others caused by an voluntarily provided or required to be provided "insured". under any: 2. We will not pay for "property damage": a. Workers' compensation law; a. To the extent of any amount recoverable b. Non-occupational disability law; or under Section I; c. Occupational disease law; b. Caused intentionally by an "insured" who is 13 years of age or older; 3. From any: c. To property owned by an "insured"; a. Nuclear reaction; d. To property owned by or rented to a b. Nuclear radiation; or tenant of an "insured" or a resident in c. Radioactive contamination; your household; or all whether controlled or uncontrolled or e. Arising out of: however caused; or (1) A "business" engaged in by an d. Any consequence of any of these; or "insured"; 4. To: (2) Any act or omission in connection a. A “home-sharing occupant”; or with a premises owned, rented or controlled by an "insured", other than b. Any person, other than a "residence the "insured location"; or employee" of an "insured", regularly (3) The ownership, maintenance, residing on any part of the "insured occupancy, operation, use, loading or location". unloading of aircraft, hovercraft, SECTION II – ADDITIONAL COVERAGES watercraft, “drones” or "motor We cover the following in addition to the limits of vehicles". liability: This Exclusion e.(3) does not apply to A. Claim Expenses a "motor vehicle" that: We pay: (a) Is designed for recreational use off public roads; 1. Expenses we incur and costs taxed against an "insured" in any suit we defend; (b) Is not owned by an "insured"; and 2. Premiums on bonds required in a suit we (c) At the time of the "occurrence", is defend, but not for bond amounts more than not required by law, or regulation the Coverage E limit of liability. We need not issued by a government agency, apply for or furnish any bond; to have been registered for it to be used on public roads or 3. Reasonable expenses incurred by an property. "insured" at our request, including actual loss of earnings (but not loss of other income) up D. Loss Assessment to $250 per day, for assisting us in the 1. We will pay up to $1,000 for your share of investigation or defense of a claim or suit; and loss assessment charged against you, as owner or tenant of the "residence premises",

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during the policy period by a corporation or limit is within, but does not increase the association of property owners, when the Coverage E limit of liability. assessment is made as a result of: 3. “Fungi”, Wet Or Dry Rot, Or Bacteria a. "Bodily injury" or "property damage" not Sublimit excluded from coverage under Subject to Paragraph 1. above, our total Section II – Exclusions; or liability under Coverage E for the total of all b. Liability for an act of a director, officer or damages arising directly or indirectly, in whole trustee in the capacity as a director, or in part, out of the actual, alleged or officer or trustee, provided such person: threatened inhalation of, ingestion of, contact (1) Is elected by the members of a with, exposure to, existence of, or presence of corporation or association of property any “fungi”, wet or dry rot, or bacteria will not owners; and be more than $50,000. This is the most we will pay regardless of the: (2) Serves without deriving any income from the exercise of duties which are a. Number of locations insured under this solely on behalf of a corporation or policy; association of property owners. b. Number of persons insured; 2. Paragraph I. Policy Period under c. Number of persons whose property is Section II – Conditions does not apply to this damaged; Loss Assessment Coverage. d. Number of “insureds”; or 3. Regardless of the number of assessments, e. Number of “occurrences” or claims-made. the limit of $1,000 is the most we will pay for loss arising out of: This sublimit is within, but does not increase, the Coverage E limit of liability. It applies a. One accident, including continuous or separately to each consecutive annual period repeated exposure to substantially the and to any remaining period of less than 12 same general harmful condition; or months, starting with the beginning of the b. A covered act of a director, officer or policy period shown in the Declarations. trustee. An act involving more than one 4. The limit of liability in 1. above and sublimits director, officer or trustee is considered to in 2. and 3. above apply regardless of the be a single act. number of “insureds”, claims made or persons 4. We do not cover assessments charged injured. against you or a corporation or association of 5. Our total liability under Coverage F for all property owners by any governmental body. medical expense payable for "bodily injury" to SECTION II – CONDITIONS one person as the result of one accident will A. Limit Of Liability not be more than the Coverage F Limit Of Liability shown in the Declarations. 1. Our total liability under Coverage E for all damages resulting from any one "occurrence" B. Severability Of Insurance will not be more than the Coverage E Limit Of This insurance applies separately to each Liability shown in the Declarations. This limit "insured", except with respect to damages arising is the same regardless of the number of out of “fungi”, wet or dry rot, or bacteria and the "insureds", claims made or persons injured. “Fungi”, Wet or Dry Rot, or Bacteria Sublimit as All "bodily injury" and "property damage" described in Section II – Conditions, A.3. above. resulting from any one accident or from This condition will not increase our limit of liability continuous or repeated exposure to for any one “occurrence”. substantially the same general harmful C. Duties After "Occurrence" conditions shall be considered to be the result of one "occurrence". In case of an "occurrence", you or another "insured" will perform the following duties that 2. Vicarious Parental Liability Sublimit apply. We have no duty to provide coverage Subject to Paragraph 1. above, our total under this policy if your failure to comply with the liability under Coverage E for damages for which an “insured” is legally liable because of statutorily imposed vicarious parental liability not otherwise excluded, is $10,000. This sub-

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following duties is prejudicial to us. You will help F. Suit Against Us us by seeing that these duties are performed: 1. No action can be brought against us unless 1. Give written notice to us or our agent as soon there has been full compliance with all of the as is practical, which sets forth: terms under this Section II. a. The identity of the policy and the "named 2. No one will have the right to join us as a party insured" shown in the Declarations; to any action against an "insured". b. Reasonably available information on the 3. Also, no action with respect to Coverage E time, place and circumstances of the can be brought against us until the obligation "occurrence"; and of such "insured" has been determined by c. Names and addresses of any claimants final judgment or agreement signed by us. and witnesses; G. Bankruptcy Of An "Insured" 2. Cooperate with us in the investigation, Bankruptcy or insolvency of an "insured" will not settlement or defense of any claim or suit; relieve us of our obligations under this policy. 3. Promptly forward to us every notice, demand, H. Other Insurance summons or other process relating to the This insurance is excess over other valid and "occurrence"; collectible insurance except insurance written 4. At our request, help us: specifically to cover as excess over the limits of a. To make settlement; liability that apply in this policy. b. To enforce any right of contribution or I. Policy Period indemnity against any person or This policy applies only to "bodily injury" or organization who may be liable to an "property damage" which occurs during the policy "insured"; period. c. With the conduct of suits and attend J. Concealment Or Fraud hearings and trials; and We do not provide coverage to an "insured" who, d. To secure and give evidence and obtain whether before or after a loss, has: the attendance of witnesses; 1. Intentionally concealed or misrepresented 5. With respect to C. Damage To Property Of any material fact or circumstance; Others under Section II – Additional 2. Engaged in fraudulent conduct; or Coverages, submit to us within 60 days after the loss a sworn statement of loss and show 3. Made material false statements; the damaged property, if in an "insured's" relating to this insurance. control; However, we will not deny a claim based on credit 6. No "insured" shall, except at such "insured's" information available in public records, whether own cost, voluntarily make payment, assume disclosed or undisclosed, if the policy has been in obligation or incur expense other than for first effect for more than 90 days. aid to others at the time of the "bodily injury". SECTIONS I AND II – CONDITIONS D. Duties Of An Injured Person – Coverage F – A. Liberalization Clause Medical Payments To Others If we make a change which broadens coverage 1. The injured person or someone acting for the under this edition of our policy without additional injured person will: premium charge, that change will automatically a. Give us written proof of claim, under oath apply to your insurance as of the date we if required, as soon as is practical; and implement the change in your state, provided that b. Authorize us to obtain copies of medical this implementation date falls within 60 days prior reports and records. to or during the policy period stated in the Declarations. 2. The injured person will submit to a physical exam by a doctor of our choice when and as This Liberalization Clause does not apply to often as we reasonably require. changes implemented with a general program revision that includes both broadenings and E. Payment Of Claim – Coverage F – Medical restrictions in coverage, whether that general Payments To Others Payment under this coverage is not an admission of liability by an "insured" or us.

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program revision is implemented through result of water damage unless we can introduction of: demonstrate that the “insured” has 1. A subsequent edition of this policy; or failed to take action reasonably requested by us to prevent a future 2. An amendatory endorsement. similar occurrence of damage to the B. Waiver Or Change Of Policy Provisions insured property; or A waiver or change of a provision of this policy (3) On the basis of the lawful use, must be in writing by us to be valid. Our request possession, or ownership of a firearm for an appraisal or examination will not waive any or ammunition by an “insured” or of our rights. household member of an “insured”. C. Cancellation Except as provided in Item C.2. or C.3. a. 1. You may cancel this policy at any time, for above, we will let you know of our action any reason, by giving us advance written at least 20 days before the date notice of the future cancellation effective date. cancellation takes effect. 2. When this policy has been in effect for 90 c. When this policy has been in effect for days or less, we may cancel immediately if more than 90 days, we may cancel: there has been a material misstatement or (1) If there has been a material misrepresentation or failure to comply with misstatement; underwriting requirements. (2) If the risk has changed substantially 3. We may also cancel this policy subject to the since the policy was issued; following provisions. A written cancellation (3) In the event of failure to comply, notice, together with the specific reasons for within 90 days after the effective date cancellation, will be delivered to you, or of coverage, with underwriting mailed to you at your mailing address shown requirements established by us in the Declarations. before the effective date of coverage; Proof of mailing will be sufficient proof of (4) If the cancellation is for all “insureds” notice. under policies of this type for a given a. When you have not paid the premium, we class of “insureds”; may cancel at any time by letting you (5) On the basis of property insurance know at least 10 days before the date claims that are the result of an Act of cancellation takes effect. God, if we can demonstrate, by However, when a (mortgage company) claims frequency or otherwise, that lender is responsible for paying the the “insured” has failed to take action premium through an escrow account and reasonably necessary as requested the premium payment is not more than 90 by us to prevent recurrence of days overdue we will reinstate the damage to the insured property; or insurance policy, retroactive to the date of (6) On the basis of a single claim which cancellation. The lender shall reimburse is the result of water damage if we the “insured” for any penalty or fees we can demonstrate that the “insured” imposed upon you for purposes of has failed to take action reasonably reinstating the policy. requested by us to prevent a future b. When this policy has been in effect for 90 similar occurrence of damage to the days or less, we may cancel for any insured property. reason, except we may not cancel: However, we may not cancel based on (1) On the basis of property insurance credit information available in public claims that are the result of an Act of records after a policy has been in effect God, unless we can demonstrate, by for more than 90 days; or based on the claims frequency or otherwise, that lawful use, possession or ownership of a the “insured” has failed to take action firearm or ammunition by an “insured” or reasonably necessary as requested household member of an “insured”. by us to prevent recurrence of Except as provided in Item C.3.a. above, damage to the insured property; we will let you know at least 120 days (2) On the basis of a single claim on a before the cancellation takes effect. Proof property insurance policy which is the of mailing will be sufficient proof of notice.

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d. When this policy is cancelled, the F. Our Right To Recover Payment premium for the period from the date of cancellation to the expiration date 1. If we make a payment under this policy and will be refunded pro rata. the person to or for whom payment was made has a right to recover damages from another, e. If the return premium is not refunded we shall be subrogated to that right. That with the notice of cancellation or when person shall do: this policy is returned to us, we will refund it within 15 working days after the date a. Whatever is necessary to enable us to cancellation takes effect. exercise our rights; and D. Nonrenewal b. Nothing after loss to prejudice them. We may elect not to renew this policy. However, 2. If we make a payment under this policy and we will not nonrenew this policy: the person to or for whom payment is made recovers damages from another, that person 1. On the basis of property insurance claims that shall: are the result of an Act of God, unless we can demonstrate, by claims frequency or a. Hold in trust for us the proceeds of the otherwise, that the “insured” has failed to take recovery; and action reasonably necessary as requested by b. Reimburse us to the extent of our us to prevent recurrence of damage to the payment. insured property; or G. Death 2. On the basis of filing claims for sinkhole loss If any person named in the Declarations or the However, we may elect not to renew the spouse, if a resident of the same household, dies, policy if: the following apply: a. The total of such payments equals or 1. We insure the legal representative of the exceeds the policy limits of coverage for deceased but only with respect to the property damage to the covered building, premises and property of the deceased for the policy in effect on the date of loss, covered under the policy at the time of death; as set forth in the Declarations; or and b. You have failed to repair the structure in 2. "Insured" includes: accordance with the engineering recommendations upon which any loss a. An "insured" who is a member of your payment or policy proceeds were based. household at the time of your death, but only while a resident of the "residence 3. On the basis of a single claim on a property premises"; and insurance policy which is the result of water damage, unless we can demonstrate that the b. With respect to your property, the person “insured” has failed to take action reasonably having proper temporary custody of the requested by us to prevent a future similar property until appointment and occurrence of damage to the “insured” qualification of a legal representative. property; H. Renewal Notification 4. On the basis of credit information available in If we elect to renew this policy, we will let you public records; or know, in writing: 5. On the basis of the lawful use, possession, or 1. Of our decision to renew this policy; and ownership of a firearm or ammunition by an 2. The amount of renewal premium payable to “insured” or household member of an us. “insured”. This notice will be delivered to you or mailed to We shall provide the first named “insured” a you at your mailing address shown in the written nonrenewal notice, together with the Declarations at least 45 days before the specific reasons for nonrenewal, at least 120 days expiration date of this policy. before the date nonrenewal takes effect. Proof of mailing will be sufficient proof of notice. I. Advance Notice E. Assignment A company employee, adjuster, independent adjuster, attorney, investigator, or other persons Assignment of this policy will not be valid unless acting on behalf of us that needs access to an we give our written consent. “insured” or claimant or to the insured property that is the subject of a claim must provide at least

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48 hours notice to the “insured” or claimant, public adjuster, or legal representative before scheduling a meeting with the claimant or an onsite inspection of the insured property. The “insured” or claimant may deny access to the property if the notice has not been provided. The “insured” or claimant may waive the 48 hour notice.

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