Farmers Smart Plan HomeSM Policy - Oklahoma Index Introduction . 4 12 . Artificially Generated Electrical Current . .20 13 . Arson, Burglary or Vandalism and Malicious Mischief Agreement . 4 Reward . 20 14 . Lock Re-keying . 20 Accuracy of Information and Changed 15 . Pet Coverage . 20 16 . Limited Matching Coverage for Vinyl or Aluminum Siding Circumstances . 4 and Roof Materials for Composition Shingle Roofs . 20 Definitions . 4 Section I - Uninsured Loss or Damage and . 21 Section I - Property Coverage . 10 Excluded Causes of Loss or Damage A . Uninsured Types of Loss or Damage . .. 21 Section I - Loss or Damage Insured . .10 1 . Water Damage . 21 2 . Nuclear Damage . 21 Section I - Types of Property Insured . 11 3 . Construction Defect . 21 4 . Inherent Vice or Latent Defect . 21 Coverage A (Dwelling) . 11 5 . Contamination . 21 Coverage B (Separate Structures) . 11 6 . Breakage, Impairment, Corruption or Failure of Coverage A (Dwelling) and Coverage B (Separate Structures) . 11 Personal Property . 21 Coverage C (Personal Property) . 11 7 . Wear and Tear, Deterioration or Mechanical Special Limits on Certain Personal Property . 11 Breakdown . 21 8 . Marring . 21 Section I - Types of Personal Property Not 9 . Corrosion, Deterioration, Decay or Rust . 21 Insured . 12 10 . Fungi . .. 21 11 . Pathogen . 22 Coverage D (Loss of Use) . .13 12 . Movement, Settling, Cracking, Bulging, Shrinking, 1 . Additional Living Expense . 13 Heaving, Bending or Expanding . .22 2 . Loss of Rents . 13 13 . Building Ordinance or Law . 22 3 . Prohibited Use . 13 14 . Exceptions to Uninsured Types of Damage . 22 B . Excluded Causes of Loss or Damage . 23 Section I - Extensions of Coverage . 13 1 . Earth Movement . .23 1 . Limited Water Coverage . 13 2 . Water . 23 2 . Extended Replacement Cost - Coverage A . 15 3 . Nuclear Hazard . 23 3 . Contents Replacement Cost - Coverage C . 15 4 . Neglect or Lack of Maintenance or Failure to 4 . Building Ordinance or Law . 16 Make Repairs . .23 5 . Debris Removal . 17 5 . Faulty, Inadequate, Defective or Incomplete 6 . Trees, Shrubs, Plants and Lawns . 17 Planning, Zoning, Maintenance, Repairs, Renovation, 7 . Fire Department Service Charge . 18 Manufacture or Construction . .23 8 . Emergency Removal of Property . 18 6 . Inherent Vice or Latent Defect . 24 9 . Identity Fraud . 18 7 . Contamination . 24 10 . Collapse of Building Structure or Structural Part of the 8 . Wear and Tear, Deterioration or Mechanical Building Structure . .19 Breakdown . 24 11 . Food Spoilage . 20 9 . Corrosion, Deterioration, Decay or Rust . 24 farmers.com 56-5646 1st Edition 2-15 Page 1 of 46 Farmers Smart Plan HomeSM Policy - Oklahoma (continued) 10 . Fungi . .. 24 13 . Loss Adjustment and Payment . 34 11 . Noxious Substance . 24 14 . Abandoned Property and Our Option . 34 12 . Pathogen . 24 15 . Mortgagee Clause . 34 13 . Building Ordinance or Law . 24 16 . No Benefit to Bailee . 35 14 . Governmental Action . 24 17 . Salvage . 35 15 . Power Interruption . .25 16 . Artificially Generated Electrical Current . 25 Section II - Liability . 35 17 . Failure to Protect Covered Property . 25 18 . Destructive Acts . 25 Section II - Liability Coverage . 35 19 . Theft . 25 Coverage E (Personal Liability) . 35 20 . Mysterious Disappearance . 26 Coverage F (Medical Payments to Others) . 35 21 . Vandalism or Malicious Mischief or Arson if the Dwelling is Vacant . .26 Section II - Liability Extensions of Coverage . 36 22 . Pests or Animals . .26 1 . Claim Expenses . 36 23 . Smog, Smudging or Smoke . 26 2 . First Aid Expenses . 35 24 . Pressure by Trees, Shrubs, Plants or Lawns . 26 3 . Damage to Property of Others . 36 25 . Soil Conditions . 26 4 . Association Loss Assessment Coverage . 36 26 . Windstorm or Hailstorm . 26 5 . Personal Injury . 36 27 . Aircraft or Vehicles . 27 28 . Falling Objects . 27 29 . Collapse . 27 Section II - Liability Exclusions . 37 30 . Sales or Transfers of Property . 27 1 . Any Insured or Other Residents of Any Insured's 31 . Pollution . 27 Household . 37 32 . Refinishing, Renovating, Repairing, Servicing, 2 . Business . 37 Restoring, Reconditioning, Retrofitting or Retouching 3 . Business or Professional Services . 37 of Personal Property . 27 4 . Contract or Agreement - Performance . 37 33 . Weather Conditions . .27 5 . Contract or Agreement - Liability Assumed or Imposed . 37 34 . Movement, Settling, Cracking, Bulging, Shrinking, 6 . Agreement with Homeowners Association . 37 Heaving, Bending or Expanding of any Structure . .27 7 . Rental Property . 37 35 . Malfunction or Failure of Software or a Computer 8 . Sale or Transfer of Property . 37 System . 27 9 . Owned Property . 38 36 . Extremes of Temperature . 27 10 . Non-owned Property Used or in the Care, Custody or 37 . Illegal Substances . 27 Control . 38 11 . Other Locations . .. 38 Section I - Property Conditions . 27 12 . Intentional Acts . 38 13 . Home Care Services . 38 1 . Limits of Insurance . 27 14 . Transmitting a Communicable Sickness or Disease . 39 2 . Insurable Interest . 28 15 . Aircraft, Motor Vehicles, or Watercraft . 39 3 . Duties After Loss . 28 16 . Entrustment and Negligent Supervision - Aircraft, Motor 4 . Emergency Services . 29 Vehicles, or Watercraft . 39 5 . How We Settle Covered Loss . 29 17 . Vandalism or Malicious Mischief . 39 6 . Replacement Cost Settlement - Time Limitation . 31 18 . Destructive Acts . 39 7 . Other Insurance . 31 19 . Fungus, Noxious Substance, Nuclear Substance, Pathogen 8 . Deductible Clause . 31 or Pollutant . 40 9 . Loss or Damage to a Pair or Set . 31 20 . Illegal or Controlled Substance . 40 10 . Appraisal . .. 31 21 . Punitive or Exemplary Damages, Fines, Penalties or 11 . Intentional Acts, Criminal Acts and Fraud . 33 Attorney Fees . 40 12 . Suit Against Us . .34 farmers.com 56-5646 1st Edition 2-15 Page 2 of 46 Farmers Smart Plan HomeSM Policy - Oklahoma (continued) 22 . Workers' Compensation . .. 40 3 . Joint Obligations . 43 23 . Nuclear Energy Liability Insurance . 40 4 . Misrepresentation, Concealment or Fraud . 43 24 . Obligation to Reimburse, Share or Indemnify Damages . 41 5 . Liberalization Clause . 43 25 . Statutory Liability . 41 6 . Initial Premium Payment . 43 26 . Violation of Ordinance, Penal Law or Criminal Acts . 41 7 . Cancellation . 43 27 . Employment - Personal Injury . ..