HOMEOWNERS ENDORSEMENTS POLICY FORMS AND ENDORSEMENTS FOR FLORIDA Name Description Credit Disclosure Credit Disclosure Notice HO 00 03 04 91 Homeowners 3 Special Form HO 00 04 04 91 Homeowners 4 Contents Broad Form HO 00 06 04 91 Homeowners 6 Unit Owners Form HO 00 08 04 91 Homeowners 8 Modified Coverage Form HO 04 10 04 91 Additional Interests - Residence Premises HO 04 16 04 91 Premises Alarm or Fire Protection System HO 04 30 04 91 Theft Coverage Increase HO 04 40 04 91 Structures Rented To Others - Residence Premises HO 04 41 04 91 Additional Insured - Residence Premises HO 04 42 04 91 Permitted Incidental Occupancies HO 04 48 04 91 Other Structures HO 04 81 12 13 Actual Cash Value Loss Settlement HO 04 94 06 97 (06-07) Exclusion for Windstorm Coverage HO 04 96 04 91 No Coverage for Home Day Care Business HO 17 32 04 91R (06-07) Unit Owners Coverage A - Special Coverage HO 17 33 04 91 Unit Owners Rental to Others HO 23 70 06 97 Windstorm Exterior Paint or Waterproofing Endorsement HO 23 74 12 13 Replacement Cost Loss Settlement Endorsement UPCIC 00 07 (02-12) Sinkhole Loss Coverage - Florida UPCIC 01 03 06 07 Law and Ordinance Increase to 50% UPCIC 03 33 07 08 Limited Fungi, Wet or Dry Rot, or Bacteria UPCIC 04 33 07 08 Limited Fungi, Wet or Dry Rot, or Bacteria UPCIC 04 90 04 91 (06-07) Personal Property Replacement Cost UPCIC 06 03 32 08 Limited Fungi, Wet or Dry Rot, or Bacteria UPCIC 06 33 07 08 (1) Limited Fungi, Wet or Dry Rot, or Bacteria UPCIC 08 33 07 08 Limited Fungi, Wet or Dry Rot, or Bacteria UPCIC 10 01 98 (06-07) Existing Damage Exclusion UPCIC 14 01 98 Amendment of Loss Settlement Condition - Florida UPCIC 16 01 98 Loss Assessment Coverage UPCIC 19 01 98 Windstorm Protective Devices UPCIC 23 12 13 Special Provisions - Florida UPCIC 23 01 16 Special Provisions - Florida UPCIC 25 01 98 (06-07) Hurricane Deductible UPCIC 3 01 98 Outline of Your Homeowner Policy UPCIC Privacy UPCIC Privacy Statement UPCIC SPL (05-08) Swimming Pool Liability Exclusion Universal Property & Casualty Insurance Company 1110 W. Commercial Blvd., Suite 100 Fort Lauderdale, FL 33309 CREDIT REPORT DISCLOSURE NOTICE This is to notify you that, as part of the Company's underwriting procedures, a credit report will be ordered on you from a credit bureau. The credit report will be used as an underwriting tool in order to establish your eligibility for insurance coverage. If your application is denied or your policy is cancelled as the result of the credit report, you will be notified of the means by which you may obtain a copy of the report and by which you may identify the specific items in the credit report which resulted in the denial or cancellation. This notice is provided to you in accordance with Florida Statute 4-125.004. If you have any questions, please contact your agent or write the Company at the address provided on this notice. HOMEOWNERS HO 00 03 04 91 S HOMEOWNERS 3 SPECIAL FORM AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applica- ble provisions of this policy. DEFINITIONS In this policy, "you" and "your" refer to the "named c. Any premises used by you in connection with a insured" shown in the Declarations and the spouse if premises in 4.a. and 4.b. above; a resident of the same household. "We," "us" and d. Any part of a premises: "our" refer to the Company providing this insurance. In addition, certain words and phrases are defined as (1) Not owned by an "insured"; and follows: (2) Where an "insured" is temporarily residing; 1. "Bodily injury" means bodily harm, sickness or e. Vacant land, other than farm land, owned by or disease, including required care, loss of services rented to an "insured"; and death that results. f. Land owned by or rented to an "insured" on 2. "Business" includes trade, profession or occupa- which a one or two family dwelling is being tion. built as a residence for an "insured"; 3. "Insured" means you and residents of your house- g. Individual or family cemetery plots or burial hold who are: vaults of an "insured"; or a. Your relatives; or h. Any part of a premises occasionally rented to b. Other persons under the age of 21 and in the an "insured" for other than "business" use. care of any person named above. 5. "Occurrence" means an accident, including con- Under Section II, "insured" also means: tinuous or repeated exposure to substantially the same general harmful conditions, which results, c. With respect to animals or watercraft to which during the policy period, in: this policy applies, any person or organization legally responsible for these animals or water- a. "Bodily injury"; or craft which are owned by you or any person in- b. "Property damage." cluded in 3.a. or 3.b. above. A person or or- 6. "Property damage" means physical injury to, de- ganization using or having custody of these struction of, or loss of use of tangible property. animals or watercraft in the course of any "business" or without consent of the owner is 7. "Residence employee" means: not an "insured"; a. An employee of an "insured" whose duties are d. With respect to any vehicle to which this policy related to the maintenance or use of the "resi- applies: dence premises," including household or do- mestic services; or (1) Persons while engaged in your employ or that of any person included in 3.a. or 3.b. b. One who performs similar duties elsewhere not above; or related to the "business" of an "insured." (2) Other persons using the vehicle on an 8. "Residence premises" means: "insured location" with your consent. a. The one family dwelling, other structures, and 4. "Insured location" means: grounds; or a. The "residence premises"; b. That part of any other building; b. The part of other premises, other structures where you reside and which is shown as the "resi- and grounds used by you as a residence and: dence premises" in the Declarations. (1) Which is shown in the Declarations; or "Residence premises" also means a two family dwelling where you reside in at least one of the (2) Which is acquired by you during the policy family units and which is shown as the "residence period for your use as a residence; premises" in the Declarations. HO 00 03 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 1 of 18 SECTION I – PROPERTY COVERAGES COVERAGE A – Dwelling 1. $200 on money, bank notes, bullion, gold other We cover: than goldware, silver other than silverware, plati- num, coins and medals. 1. The dwelling on the "residence premises" shown in the Declarations, including structures attached 2. $1000 on securities, accounts, deeds, evidences to the dwelling; and of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, 2. Materials and supplies located on or next to the tickets and stamps. This dollar limit applies to "residence premises" used to construct, alter or these categories regardless of the medium (such repair the dwelling or other structures on the "resi- as paper or computer software) on which the ma- dence premises." terial exists. This coverage does not apply to land, including land This limit includes the cost to research, replace or on which the dwelling is located. restore the information from the lost or damaged COVERAGE B – Other Structures material. We cover other structures on the "residence prem- 3. $1000 on watercraft, including their trailers, fur- ises" set apart from the dwelling by clear space. This nishings, equipment and outboard engines or mo- includes structures connected to the dwelling by only tors. a fence, utility line, or similar connection. 4. $1000 on trailers not used with watercraft. This coverage does not apply to land, including land 5. $1000 for loss by theft of jewelry, watches, furs, on which the other structures are located. precious and semi-precious stones. We do not cover other structures: 6. $2000 for loss by theft of firearms. 1. Used in whole or in part for "business"; or 7. $2500 for loss by theft of silverware, silver-plated 2. Rented or held for rental to any person not a ten- ware, goldware, gold-plated ware and pewterware. ant of the dwelling, unless used solely as a private This includes flatware, hollowware, tea sets, trays garage. and trophies made of or including silver, gold or pewter. The limit of liability for this coverage will not be more than 10% of the limit of liability that applies to Cover- 8. $2500 on property, on the "residence premises," age A. Use of this coverage does not reduce the used at any time or in any manner for any "busi- Coverage A limit of liability. ness" purpose. COVERAGE C – Personal Property 9. $250 on property, away from the "residence prem- ises," used at any time or in any manner for any We cover personal property owned or used by an "business" purpose. However, this limit does not "insured" while it is anywhere in the world. At your apply to loss to adaptable electronic apparatus as request, we will cover personal property owned by: described in Special Limits 10. and 11. below. 1. Others while the property is on the part of the 10. $1000 for loss to electronic apparatus, while in or "residence premises" occupied by an "insured"; upon a motor vehicle or other motorized land con- 2.