Allstate Insurance Company S Standard HomeownersA PolicyM Policy: P Effective: Issued to: L E D O C U M Allstate Insurance Company The Company Named in the Policy Declarations A Stock Company----Home Office: Northbrook, Illinois 60062 E AP1 N T Table of Contents General Definitions Used In This Policy..................................2 Insurable Interest and Our Liability .........................11 InsuringSAgreement....................................................3 What You Must Do After A Loss.............................11 Agreements We Make With You...............................4 Our Settlement Options............................................12 Conformity To State Statutes ....................................4 How We Pay For A Loss...........................................12 Coverage Changes......................................................4 Our Settlement Of Loss ............................................14 Policy Transfer .A...........................................................4 Appraisal.....................................................................14 Continued Coverage After Your Death.....................4 Abandoned Property.................................................14 Cancellation .................................................................4 Permission Granted To You.....................................14 Concealment Or Fraud ..M.............................................5 Our Rights To Recover Payment.............................14 Our Rights To Obtain Salvage..................................14 Section I Your Property Suit Against Us..........................................................15 Loss To A Pair Or Set................................................15 Coverage A P Glass Replacement....................................................15 Dwelling Protection No Benefit To Bailee..................................................15 Property We Cover Under Coverage A ....................5 Other Insurance.........................................................15 Property We Do Not Cover Under CoverLage A .......5 Property Insurance Adjustment..............................15 Mortgagee..................................................................15 Coverage B Other Structures Protection Section II Family Liability and Property We Cover Under Coverage B ................E....5 Guest Medical Protection Property We Do Not Cover Under Coverage B .......5 Coverage X Coverage C Family Liability Protection Personal Property Protection Losses We Cover Under Coverage X .....................16 Property We Cover Under Coverage C ....................6 Losses We Do Not Cover Under Coverage X........16 Limitations On Certain Personal Property ...............6 Property We Do Not Cover Under Coverage C .......6 DCoverage Y Losses We Cover Under Coverages A, B and C.....7 Guest Medical Protection Losses We Do Not Cover Under Losses We Cover Under Coverage Y .....................18 Coverages A, B and C.............................................8 LossesOWe Do Not Cover Under Coverage Y........18 Additional Protection Additional Protection Additional Living Expense..........................................9 Claim Expenses .........................................................19 Credit Card and Check Forgery...............................10 Emergency FirCst Aid..................................................20 Debris Removal.........................................................10 Damage To Property Of Others ..............................20 Emergency Removal Of Property...........................10 Fire Department Charges.........................................10 Section II Conditions Temporary Repairs After A Loss.............................10 U What You Must Do After An Accidental Loss........20 Trees, Shrubs, Plants and Lawns...........................10 What An Injured Person Must Do Coverage Y Temperature Change................................................11 Guest Medical Protection.....................................20 Arson Reward............................................................11 Our Payment of Loss CoveMrage Y Land............................................................................11 Guest Medical Protection.....................................20 Our Limits Of Liability................................................21 Section I Conditions Bankruptcy.................................................................21 Deductible..................................................................11 E NPage 1 T Our Rights To Recover Payment Coverage X a) any relative; and Family Liability Protection....................................21 b) any dependent person in your care. Suit Against Us..........................................................21 Other Insurance Coverage X Under Coverage X Family Liability Protection FamilySLiability Protection....................................21 and Coverage Y Guest Medical Protection, "insured person" also means: Section III Optional Protection c) any person or organization legally A responsible for loss caused by animals or Optional Coverages You May Buy watercraft covered by this policy which are Coverage BC owned by an insured person. We do not Building Codes..........................................................21 cover any person or organization using or Coverage DP M having custody of animals or watercraft in Increased Coverage On Electronic any business, or without permission of the Data Processing Equipment................................21 owner. Coverage F d) with respect to the use of any vehicle Fire Department Charges...........P..............................21 covered by this policy, any person while Coverage G engaged in the employment of an insured Loss Assessments ...................................................22 person. Coverage L Extended Coverage On Jewelry, Watches 4. "Bodily injury" means physical harm to the and Furs.................................................................22 body, including sickness or disease, and resulting Coverage K death, except that bodily injury does not include: Incidental Office, Private School Or Studio..........E..23 a) any venereal disease; Coverage LR b) Herpes; Lock Replacement....................................................23 c) Acquired Immune Deficiency Syndrome Coverage M (AIDS); Increased Coverage On Money...............................23 d) AIDS Related Complex (ARC); Coverage P e) Human Immunodeficiency Virus (HIV); Business Pursuits.....................................................23 Coverage S Dor any resulting symptom, effect, condition, Increased Coverage On Securities..........................24 disease or illness related to (a) through (e) listed Coverage SD above. Satellite Dish Antennas.............................................24 Coverage SE O Under Coverage Y Guest Medical Protection, Portable Cellular Communication Systems...........24 bodily injury means physical harm to the body, Coverage ST including sickness or disease, except that bodily Increased Coverage On Theft Of Silverware..........24 injury doeCs not include: a) any venereal disease; Definitions Used In This Policy b) Herpes; 1. "You" or "your" means the person named on c) Acquired Immune Deficiency Syndrome the Policy Declarations as the insured and that (AIDS); U person's resident spouse. d) AIDS Related Complex (ARC); e) Human Immunodeficiency Virus (HIV); 2. "Allstate, " "we, " "us, " or "our" means the M company named on the Policy Declarations. or any resulting symptom, effect, condition, disease or illness related to (a) through (e) listed 3. "Insured person(s) " means you and, if a above. resident of your household: E NPage 2 T 5. "Building structure" means a structure with 6) any premises used by an insured walls and a roof. person in connection with the residence premises; 6. "Business" means: 7) any part of a premises occasionally a) Sany full or part-time activity of any kind rented to an insured person for other engaged in for economic gain including the than business purposes. use of any part of any premises for such purpoAses. The providing of home day care 9. "Occurrence" means an accident, including services to other than an insured person or continuous or repeated exposure to substantially relative of an insured person for economic the same general harmful conditions, during the gain is also a business. However, the mutual policy period, resulting in bodily injury or exchange of hMome day care services is not property damage. considered a business; b) any property rented or held for rental by an 10. "Property damage" means physical injury to insured person. Rental of your residence or destruction of tangible property, including loss premises is not consiPdered a business of its use resulting from such physical injury or when: destruction. 1) it is rented occasionally for residential purposes; L 11. "Residence employee" means an employee of 2) a portion is rented to not more than two an insured person while performing duties roomers or boarders; or arising out of and in the course of employment in 3) a portion is rented as a private garage. connection with the maintenance or use of your E residence premises. This includes similar duties 7. "Residence premises" means the dwelling, performed elsewhere for an insured person, not other structures and land located at the address in connection with the business of an insured stated on the Policy Declarations. person. 8. "Insured premises" means: 12. "Dwelling" means a one, two, three or four