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Secured through GEICO Insurance Agency Inc One GEICO Blvd Fredericksburg VA 22412 02 22 18 Service Claims 1 877 900 0344 MELISSA MCINTOSH 2 870 EVERGREEN DR GALIVANTS FRY SC 29544 Re Policy Number RIN 6314929 Dear GEICO Insurance Agency Customer Thank you for allowing GEICO Insurance Agency Inc to arrange for your new renters insurance protection Assurant a strategic partner with GEICO will provide you with this valuable protection underwritten by American Bankers Insurance Company of Florida You have taken an important step in helping to protect yourself and your valuables Your renters insurance coverage takes effect as of the date shown on the enclosed policy You will receive an invoice or a schedule of future payment due dates for credit card or ACH transactions under separate cover The enclosed package will give you complete details of the coverage provided by your policy I encourage you to read it carefully and to keep it in a safe place To continue coverage at a new residence or if you have questions about your coverage visit the Assurant Insurance Center AIC policyholder website at www myassurantpolicy com to view obtain information and manage your policy 24 hours a day 7 days a week You may also reach the Assurant Customer Service Center at 1 877 900 0344 between 8 00 a m and 8 00 p m ET exclusively for service on your renters policy I am sure you will enjoy the security of knowing your valuable items are protected Sincerely Insurance Service Center Renters coverage is written through non affiliated insurance companies and is secured through the GEICO Insurance Agency Inc Some discounts coverages payment plans and features are not available in all states GEICO is a registered service mark of Government Employees Insurance Company Washington D C 20076 a Berkshire Hathaway Inc subsidiary 2012 GEICO GEICOLTR 0117
Secured through GEICO Insurance Agency Inc One GEICO Blvd Fredericksburg VA 22412 02 22 18 MELISSA MCINTOSH 2 870 EVERGREEN DR GALIVANTS FRY SC 29544 Dear GEICO Insurance Agency Customer Thank you for purchasing a renters policy through the GEICO Insurance Agency You ve made a smart decision by choosing GEICO to help protect your belongings If you also have a GEICO auto policy a Multi Policy Discount will automatically be applied to your auto policy We appreciate your business To review all the discounts on your GEICO auto policy please log in to the Manage Your Policy area on geico com and click on the Discounts tab If you do not currently have GEICO auto insurance please visit geico com or call 1 800 841 3000 for a free rate quote It s that easy Thank you for choosing GEICO Insurance Agency to help you with your insurance needs Our commitment is to provide you with more options and outstanding customer service Sincerely John J Zinno President GEICO Insurance Agency Inc Renters coverage is written through non affiliated insurance companies and is secured through the GEICO Insurance Agency Inc Some discounts coverages payment plans and features are not available in all states GEICO is a registered service mark of Government Employees Insurance Company Washington D C 20076 a Berkshire Hathaway Inc subsidiary 2012 GEICO GEICMLCN 0812
RIN 6314929 00 02 22 18 SC N 00 05 AREA ID ML NEW DECLARATION EFFECTIVE 02 23 18 12 01 AM STANDARD TIME AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 11222 Quail Roost Drive Miami FL 33157 6596 POLICY NUMBER RIN 6314929 FROM POLICY PERIOD 02 23 18 POLICY TYPE TO 02 23 19 RENTERS INSURANCE YOU AS NAMED INSURED AND ADDRESS AGENT ACCOUNT MELISSA MCINTOSH SCOTT ALLEN CORBIN 2 870 EVERGREEN DR GALIVANTS FRY SC 29544 GEICO INSURANCE AGENCY INC 1 877 900 0344 1 GEICO BLVD FREDERICKSBURG VA 22412 AGENCY P 0DW2001 00 IMPORTANT THIS POLICY DOES NOT INCLUDE COVERAGE FOR FLOOD LOSSES TO YOUR BUILDING CONTENTS OR POSSESSIONS RATING INFORMATION APARTMENT CONDOMINIUM TERRITORY 2 INSURED RESIDENCE PREMISES IS LOCATED AT SAME AS MAILING ADDRESS ABOVE COVERAGE PERSONAL PROPERTY PERSONAL LIABILITY MEDICAL PAYMENTS LOSS OF USE AMOUNT OF COVERAGE 20 000 LESS DEDUCTIBLE OF 100 000 PER OCCURRENCE 1 000 PER PERSON 4 000 PER OCCURRENCE 250 PREMIUM 270 00 8 00 INCL INCL ADDITIONAL COVERAGES AND CREDITS SURCHARGES NOT INCLUDED IN THE ABOVE PREMIUM DRAIN SEWER BACKUP 2 500 LIMIT 15 00 TOTAL ADDITIONAL PREMIUM TOTAL PREMIUM 15 00 293 00 ADDITIONAL COVERAGES AND CREDITS SURCHARGES INCLUDED IN THE TOTAL PREMIUM REPLACEMENT COST INCL FORMS AND ENDORSEMENTS DF00965A 0416 NT0074 0715 NT0112 0216 N8144 0405 AB4461EC 1215 AB4720EC 0307 AB5087EC 0805 AJ8485EC 0605 AJ8850PC 0307 AJ9818EPC 0608 A2083 0684 Insured Email Copy RIUNIV
IMPORTANT NOTICE The coverages provided by a Renter s Policy can vary greatly according to the forms attached to the basic policy Please read your policy carefully to be sure it provides the coverage you want Renters Insurance Program American Bankers Insurance Company of Florida A Stock Insurance Company 11222 Quail Roost Drive Miami FL 33157 6596 305 253 2244 AJ8850PC 0307
Renters Insurance Program POLICY INDEX Page Page AGREEMENT 2 Recovered Property 9 Volcanic Eruption Period 9 Loss Payee 9 DEFINITIONS 2 SECTION I PROPERTY COVERAGES 3 6 SECTION II LIABILITY COVERAGES 10 Coverage E Personal Liability 10 Coverage F Medical Payments to Others 10 Coverage C Personal Property 3 4 Coverage D Loss of Use 4 Additional Coverages 4 6 Debris Removal 4 Reasonable Repairs 4 Trees Shrubs and Other Plants 4 Fire Department Service Charge 4 5 Property Removed 5 Credit Card Fund Transfer Card Forgery and Counterfeit Money 5 Loss Assessment 5 Collapse 5 6 Glass or Safety Glazing Material 6 Building Additions and Alterations 6 Ordinance or Law 6 SECTION II EXCLUSIONS 10 12 SECTION II ADDITIONAL COVERAGES 12 13 Claim Expenses 12 First Aid Expenses 12 Damage to Property of Others 12 13 Loss Assessment 13 SECTION II CONDITIONS 13 Limit of Liability 13 Severability of Insurance 13 Duties After Loss 13 Duties of an Injured Person 13 14 Payment of Claims 14 Action Against Us 14 Bankruptcy of an Insured 14 Other Insurance 14 SECTION I PERILS INSURED AGAINST 6 7 SECTION I EXCLUSIONS 7 8 SECTION I CONDITIONS 8 10 Insurable Interest and Limit of Liability 8 Your Duties After Loss 8 9 Loss Settlement 9 Loss to a Pair or Set 9 Glass Replacement 9 Appraisal 9 Other Insurance 9 Action Against Us 9 Our Option 9 Loss Payment 9 Abandonment of Property 9 No Benefit to Bailee 9 Nuclear Hazard Clause 9 AJ8850PC 0307 SECTIONS I AND II CONDITIONS 14 Policy Period 14 Concealment or Fraud 14 Liberalization Clause 14 Waiver or Change of Policy Provisions 14 Cancellation 14 15 Nonrenewal 15 Assignment 15 Subrogation 15 Death 15 IMPORTANT NOTICE 16 Page 1
AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy 4 DEFINITIONS In this policy you and your refer to the named insured shown in the Declarations and the spouse if a resident of the same household We us and our refer to the Company providing this insurance In addition certain words and phrases are defined as follows 1 Bodily injury means bodily harm sickness or disease including required care loss of services and death that results 2 Business means a A trade profession or occupation engaged in on a full time part time or occasional basis or b Any other activity engaged in for money or other compensation except the following 1 One or more activities not described in items 2 through 4 below for which no insured receives more than 2 000 in total compensation for the 12 months before the beginning of the policy period 2 Volunteer activities for which no money is received other than payment for expenses incurred to perform the activity 3 Providing home day care services for which no compensation is received other than the mutual exchange of such services or 4 The rendering of home day care services to a relative of an insured 3 Insured means you and residents of your household who are a Your relatives or b Other persons under the age of 21 and in the care of any person named above If the entity named on the Declarations Page is a business entity insured means any person while residing at the residence premises with the permission of the named insured Under Section II insured also means c With respect to animals or watercraft to which this policy applies any person or organization legally responsible for these animals or watercraft which are owned by you or any person included in 3 a or 3 b above A person or organization using or having custody of these animals or watercraft in the course of any business or without consent of the owner is not an insured d With respect to any vehicle to which this policy applies 5 6 7 8 9 1 Persons while engaged in your employ or that of any person included in 3 a or 3 b above or 2 Other persons using the vehicle on an insured location with your consent Insured location means a The residence premises b The part of other premises other structures and grounds used by you as a residence and 1 Which is shown in the Declarations or 2 Which is acquired by you during the policy period for your use as a residence c Any premises used by you in connection with a premises in 4 a and 4 b above d Any part of a premises 1 Not owned by an insured and 2 Where an insured is temporarily residing e Vacant land other than farm land owned by or rented to an insured f Land owned by or rented to an insured on which a one or two family dwelling is being built as a residence for an insured g Individual or family cemetery plots or burial vaults of an insured or h Any part of a premise occasionally rented to an insured for other than business use If the named insured is a business entity the insured location is limited to the residence premises Landlord means The owner or property manager of the residence premises Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions which results during the policy period in a Bodily injury or b Property damage Property damage means physical injury to destruction of or loss of use of tangible property Residence employee means a An employee of an insured whose duties are related to the maintenance or use of the residence premises including household or domestic services or b One who performs similar duties elsewhere not related to the business of an insured Residence premises means a The one family dwelling other structures and grounds or b That part of any other building where the insured resides and which is shown as the residence premises in the Declarations Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 2
SECTION I PROPERTY COVERAGES 10 1000 for loss to electronic apparatus while in or upon a motor vehicle or other motorized land conveyance if the electronic apparatus is equipped to be operated by power from the electrical system of the vehicle or conveyance while retaining its capability of being operated by other sources of power Electronic apparatus includes a Accessories or antennas or b Tapes wires records discs or other media for use with any electronic apparatus described in this item 10 11 1000 for loss to electronic apparatus while not in or upon a motor vehicle or other motorized land conveyance if the electronic apparatus a Is equipped to be operated by power from the electrical system of the vehicle or conveyance while retaining its capability of being operated by other sources of power b Is away from the residence premises and c Is used at any time or in any manner for any business purpose Electronic apparatus includes a Accessories or antennas or b Tapes wires records discs or other media for use with any electronic apparatus described in this item 11 COVERAGE C Personal Property We cover personal property owned or used by an insured while it is anywhere in the world At your request we will cover personal property owned by 1 Others while the property is on the part of the residence premises occupied by an insured 2 A guest or a residence employee while the property is in any residence occupied by an insured Our limit of liability for personal property usually located at an insured s residence other than the residence premises is 10 of the limit of liability for Coverage C or 1000 whichever is greater Personal property in a newly acquired principal residence is not subject to this limitation for the 30 days from the time you begin to move the property there Special Limits of Liability These limits do not increase the Coverage C limit of liability The special limit for each numbered category below is the total limit for each loss for all property in that category 1 200 on money bank notes bullion gold other than goldware silver other than silverware platinum coins and medals 2 1000 on securities accounts deeds evidences of debt letters of credit notes other than bank notes manuscripts personal records passports tickets and stamps This dollar limit applies to these categories regardless of the medium such as paper or computer software on which the material exists This limit includes the cost to research replace or restore the information from the lost or damaged material 3 1000 on watercraft including their trailers furnishings equipment and outboard engines or motors 4 1000 on trailers not used with watercraft 5 1000 for loss by theft of jewelry watches furs precious and semi precious stones 6 2000 for loss by theft of firearms and related equipment 7 2500 for loss by theft of silverware silver plated ware goldware gold plated ware and pewterware This includes flatware hollowware tea sets trays and trophies made of or including silver gold or pewter 8 2500 on property on the residence premises used at any time or in any manner for any business purpose 9 250 on property away from the residence premises used at any time or in any manner for any business purpose However this limit does not apply to loss to adaptable electronic apparatus as described in Special Limits 10 and 11 below Property Not Covered We do not cover 1 Articles separately described and specifically insured in this or other insurance 2 Animals birds or fish 3 Motor vehicles or all other motorized land conveyances This includes a Their equipment and accessories or b Electronic apparatus that is designed to be operated solely by use of the power from the electrical system of motor vehicles or all other motorized land conveyances Electronic apparatus includes 1 Accessories or antennas or 2 Tapes wires records discs or other media for use with any electronic apparatus described in this item 3 b The exclusion of property described in 3 a and 3 b above applies only while the property is in or upon the vehicle or conveyance We do cover vehicles or conveyances not subject to motor vehicle registration which are a Used to service an insured s residence or b Designed for assisting the handicapped 4 Aircraft and parts Aircraft means any contrivance used or designed for flight except model or hobby aircraft not used or designed to carry people or cargo Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 3
5 6 7 8 9 Property of roomers boarders and other tenants except property of roomers and boarders related to an insured Property in an apartment regularly rented or held for rental to others by an insured Property rented or held for rental to others off the residence premises Business data including such data stored in a Books of account drawings or other paper records or b Electronic data processing tapes wires records discs or other software media However we do cover the cost of blank recording or storage media and of pre recorded computer programs available on the retail market or Credit cards or fund transfer cards except as provided in Additional Coverages 6 b COVERAGE D Loss Of Use The limit of liability for Coverage D is the total limit for all the coverages that follow 1 If a loss by a Peril Insured Against under this policy to covered property or the building containing the property makes the residence premises not fit to live in we cover the Additional Living Expense meaning any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living Payment will be for the shortest time required to repair or replace the damage or if you permanently relocate the shortest time required for your household to settle elsewhere 2 If a loss covered under this Section makes that part of the residence premises rented to others or held for rental by you not fit to live in we cover the Fair Rental Value meaning the fair rental value of that part of the residence premises rented to others or held for rental by you less any expenses that do not continue while the premises is not fit to live in Payment will be for the shortest time required to repair or replace that part of the premises rented or held for rental 3 If a civil authority prohibits you from use of the residence premises as a result of direct damage to neighboring premises by a Peril Insured Against in this policy we cover the Additional Living Expense and Fair Rental Value loss as provided under 1 and 2 above for no more than two weeks The periods of time under 1 2 and 3 above are not limited by expiration of this policy We do not cover loss or expense due to cancellation of a lease or agreement 2 3 4 ADDITIONAL COVERAGES 1 Debris Removal We will pay your reasonable expense for the removal of a Debris of covered property if a Peril Insured Against that applies to the damaged property causes the loss or Ash dust or particles from a volcanic eruption that has caused direct loss to a building or property contained in a building This expense is included in the limit of liability that applies to the damaged property If the amount to be paid for the actual damage to the property plus the debris removal expense is more than the limit of liability for the damaged property an additional 5 of that limit of liability is available for debris removal expense We will also pay your reasonable expense up to 500 for the removal from the residence premises of a Your tree s felled by the peril of Windstorm or Hail b Your tree s felled by the peril of Weight of Ice Snow or Sleet or c A neighbor s tree s felled by a Peril Insured Against under Coverage C provided the tree s damages a covered structure The 500 limit is the most we will pay in any one loss regardless of the number of fallen trees Reasonable Repairs In the event that covered property is damaged by an applicable Peril Insured Against we will pay the reasonable cost incurred by you for necessary measures taken solely to protect against further damage If the measures taken involve repair to other damaged property we will pay for those measures only if that property is covered under this policy and the damage to that property is caused by an applicable Peril Insured Against This coverage a Does not increase the limit of liability that applies to the covered property b Does not relieve you of your duties in case of a loss to covered property as set forth in SECTION I CONDITION 2 d Trees Shrubs and Other Plants We cover trees shrubs plants or lawns on the residence premises for loss caused by the following Perils Insured Against Fire or lightning Explosion Riot or civil commotion Aircraft Vehicles not owned or operated by a resident of the residence premises Vandalism or malicious mischief or Theft We will pay up to 10 of the limit of liability that applies to Coverage C for all trees shrubs plants or lawns No more than 500 of this limit will be available for any one tree shrub or plant We do not cover property grown for business purposes This coverage is additional insurance Fire Department Service Charge We will pay up to 500 for your liability assumed by contract or agreement for fire department charges incurred when the fire department is called to save or protect covered property from a Peril Insured Against We do not cover fire department service charges if the property is located within the limits of the city municipality or protection district furnishing the fire department response Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 4
5 6 7 This coverage is additional insurance No deductible applies to this coverage Property Removed We insure covered property against direct loss from any cause while being removed from a premises endangered by a Peril Insured Against and for no more than 30 days while removed This coverage does not change the limit of liability that applies to the property being removed Credit Card Fund Transfer Card Forgery and Counterfeit Money We will pay up to 500 for a The legal obligation of an insured to pay because of the theft or unauthorized use of credit cards issued to or registered in an insured s name b Loss resulting from theft or unauthorized use of a fund transfer card used for deposit withdrawal or transfer of funds issued to or registered in an insured s name c Loss to an insured caused by forgery or alteration of any check or negotiable instrument and d Loss to an insured through acceptance in good faith of counterfeit United States or Canadian paper currency We do not cover use of a credit card or fund transfer card a By a resident of your household b By a person who has been entrusted with either type of card or c If an insured has not complied with all terms and conditions under which the cards are issued All loss resulting from a series of acts committed by any one person or in which any one person is concerned or implicated is considered to be one loss We do not cover loss arising out of business use or dishonesty of an insured This coverage is additional insurance No deductible applies to this coverage Defense a We may investigate and settle any claim or suit that we decide is appropriate Our duty to defend a claim or suit ends when the amount we pay for the loss equals our limit of liability b If a suit is brought against an insured for liability under the Credit Card or Fund Transfer Card coverage we will provide a defense at our expense by counsel of our choice c We have the option to defend at our expense an insured or an insured s bank against any 8 suit for the enforcement of payment under the Forgery coverage Loss Assessment We will pay up to 1000 for your share of loss assessment charged during the policy period against you by a corporation or association of property owners when the assessment is made as a result of direct loss to the property owned by all members collectively caused by a Peril Insured Against under COVERAGE C PERSONAL PROPERTY other than earthquake or land shock waves or tremors before during or after a volcanic eruption This coverage applies only to loss assessments charged against you as owner or tenant of the residence premises We do not cover loss assessments charged against you or a corporation or association of property owners by any governmental body The limit of 1000 is the most we will pay with respect to any one loss regardless of the number of assessments Condition 1 Policy Period under SECTIONS I AND II CONDITIONS does not apply to this coverage Collapse a With respect to this Additional Coverage 1 Collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose 2 A building or any part of a building that is in danger of falling down or caving in is not considered to be in a state of collapse 3 A part of a building that is standing is not considered to be in a state of collapse even if it has separated from another part of the building 4 A building that is standing or any part of a building that is standing is not considered to be in a state of collapse even if it shows evidence of cracking bulging sagging bending leaning settling shrinkage or expansion b We insure for direct physical loss to covered property involving collapse of a building or any part of a building if the collapse was caused by one or more of the following 1 Perils Insured Against in Coverage C Personal Property These perils apply to covered buildings and personal property for loss insured by this additional coverage 2 Decay that is hidden from view unless the presence of such decay is known to an insured prior to collapse 3 Insect or vermin damage that is hidden from view unless the presence of such damage is known to an insured prior to collapse 4 Weight of contents equipment animals or people 5 Weight of rain which collects on a roof or Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 5
6 Use of defective material or methods in construction remodeling or renovation if the collapse occurs during the course of the construction remodeling or renovation Loss to an awning fence patio pavement swimming pool underground pipe flue drain cesspool septic tank foundation retaining wall bulkhead pier wharf or dock is not included under items 2 3 4 5 and 6 unless the loss is a direct result of the collapse of a building or any part of a building This coverage does not increase the limit of liability applying to the damaged covered property 9 Glass or Safety Glazing Material a We cover 1 The breakage of glass or safety glazing material which is part of a building storm door or storm window and covered as Building Additions and Alterations and 2 The breakage caused directly by Earth Movement of glass or safety glazing material which is part of a building storm door or storm window and covered as Building Additions and Alterations and 3 The direct physical loss to covered property caused solely by the pieces fragments or splinters of broken glass or safety glazing material which is part of a building storm door or storm window b This coverage does not include loss 1 To covered property which results because the glass or safety glazing material has been broken except as provided in a 3 above or 2 On the residence premises if the dwelling has been vacant for more than 30 consecutive days immediately before the loss except when the breakage results directly from Earth Movement as provided for in a 2 above A dwelling being constructed is not considered vacant Loss to glass covered under this ADDITIONAL COVERAGE 9 will be settled on the basis of replacement with safety glazing materials when required by ordinance or law This coverage does not increase the limit of liability that applies to the damaged property 10 Building Additions and Alterations We cover under Coverage C the building improvements or installations made or acquired at your expense to that part of the residence premises used exclusively by you The limit of liability for this coverage will not be more than 10 of the limit of liability that applies to Coverage C This coverage is additional insurance 11 Ordinance or Law a You may use up to 10 of the limit of liability that applies to Building Additions and Alterations for the increased costs you incur due to the enforcement of any ordinance or law which requires or regulates 1 The construction demolition remodeling renovation or repair of that part of a covered building or other structure damaged by a Peril Insured Against 2 The demolition and reconstruction of the undamaged part of a covered building or other structure when that building or other structure must be totally demolished because of damage by a Peril Insured Against to another part of that covered building or other structure or 3 The remodeling removal or replacement of the portion of the undamaged part of a covered building or other structure necessary to complete the remodeling repair or replacement of that part of the covered building or other structure damaged by a Peril Insured Against b You may use all or part of this ordinance or law coverage to pay for the increased costs you incur to remove debris resulting from the construction demolition remodeling renovation repair or replacement of property as stated in a above c We do not cover 1 The loss in value to any covered building or other structure due to the requirements of any ordinance or law or 2 The costs to comply with any ordinance or law which requires any insured or others to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants on any covered building or other structure Pollutants means any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste Waste includes materials to be recycled reconditioned or reclaimed This coverage is additional insurance SECTION I PERILS INSURED AGAINST We insure for direct physical loss to the property described in Coverage C caused by a peril listed below unless the loss is excluded in SECTION I EXCLUSIONS 1 Fire or lightning 2 Windstorm or hail This peril does not include loss to the property contained in a building caused by rain snow sleet Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 6
sand or dust unless the direct force of wind or hail damages the building causing an opening in a roof or wall and the rain snow sleet sand or dust enters through this opening This peril includes loss to watercraft and their trailers furnishings equipment and outboard engines or motors only while inside a fully enclosed building 3 Explosion 4 Riot or civil commotion 5 Aircraft including self propelled missiles and spacecraft 6 Vehicles 7 Smoke meaning sudden and accidental damage from smoke This peril does not include loss caused by smoke from agricultural smudging or industrial operations 8 Vandalism or malicious mischief This peril does not include loss to property on the residence premises if the dwelling has been vacant for more than 30 consecutive days immediately before the loss A dwelling being constructed is not considered vacant 9 Theft including attempted theft and loss of property from a known place when it is likely that the property has been stolen This peril does not include loss caused by theft a Committed by an insured b In or to a dwelling under construction or of materials and supplies for use in the construction until the dwelling is finished and occupied or c From that part of a residence premises rented by an insured to other than an insured This peril does not include loss caused by theft that occurs off the residence premises of a Property while at any other residence owned by rented to or occupied by an insured except while an insured is temporarily living there Property of a student who is an insured is covered while at a residence away from home if the student has been there at any time during the 45 days immediately before the loss b Watercraft and their furnishings equipment and outboard engines or motors or c Trailers and campers This peril does not include loss caused by mysterious disappearance meaning the vanishing of covered property that cannot be explained or that has been lost or misplaced 10 Falling objects This peril does not include loss to the property contained in the building unless the roof or an outside wall of the building is first damaged by a falling object Damage to the falling object itself is not included 11 Weight of ice snow or sleet which causes damage to the property contained in the building This peril does not include loss caused by ice damming meaning the formation of a ridge of ice on a roof which prevents melting snow or water from draining off the roof 12 Accidental discharge or overflow of water or steam from within a plumbing heating air conditioning or automatic fire protective sprinkler system or from within a household appliance This peril does not include loss a To the system or appliance from which the water or steam escaped b Caused by or resulting from freezing except as provided in the peril of freezing below or c On the residence premises caused by accidental discharge or overflow which occurs away from the building where the residence premises is located In this peril a plumbing system does not include a sump sump pump or related equipment 13 Sudden and accidental tearing apart cracking burning or bulging of a steam or hot water heating system an air conditioning or automatic fire protective sprinkler system or an appliance for heating water This peril does not include loss caused by or resulting from freezing except as provided in the peril of freezing below 14 Freezing of a plumbing heating air conditioning or automatic fire protective sprinkler system or of a household appliance This peril does not include loss on the residence premises while unoccupied unless you have used reasonable care to a Maintain heat in the building or b Shut off the water supply and drain the system and appliances of water 15 Sudden and accidental damage from artificially generated electrical current This peril does not include loss to tubes transistors electronic components or circuitry that are a part of appliances fixtures computers home entertainment units or any other types of electronic apparatus 16 Volcanic eruption other than loss caused by earthquake land shock waves or tremors SECTION I EXCLUSIONS We do not insure for loss caused directly or indirectly by any of the following Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss 1 Ordinance or Law meaning any ordinance or law a Requiring or regulating the construction demolition remodeling renovation or repair of property including removal of any resulting Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 7
2 3 4 5 6 debris This exclusion 1 a does not apply to the amount of coverage that may be provided for under ADDITIONAL COVERAGES Glass or Safety Glazing Material or Ordinance or Law b The requirements of which results in a loss in value to property or c Requiring any insured or others to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants This exclusion applies whether or not the property has been physically damaged Earth Movement meaning earthquake including land shock waves or tremors before during or after a volcanic eruption landslide mine subsidence mudflow earth sinking rising or shifting unless direct loss by a Fire or b Explosion ensues and then we will pay only for the ensuing loss This exclusion does not apply to loss by theft Water Damage meaning a Flood surface water waves tidal water overflow of a body of water or spray from any of these whether or not driven by wind b Water or water borne material which backs up through sewers or drains or which overflows from a sump or c Water below the surface of the ground including water which exerts pressure on or seeps or leaks through a building sidewalk driveway foundation swimming pool or other structure Direct loss by fire explosion or theft resulting from water damage is covered Power Failure meaning the failure of power or other utility service if the failure takes place off the residence premises But if the failure of power or other utility service results in a loss from a Peril Insured Against on the residence premises we will pay only for the loss or damage caused by that Peril Insured Against Neglect meaning neglect of the insured to use all reasonable means to save and preserve property at and after the time of a loss War including the following and any consequence of any of the following a b c 7 8 Discharge of a nuclear weapon will be deemed a warlike act even if accidental Nuclear Hazard to the extent set forth in the Nuclear Hazard Clause of SECTION I CONDITIONS Intentional Loss meaning any loss arising out of any act committed a By or at the direction of an insured and b With the intent to cause a loss SECTION I CONDITIONS 1 2 Undeclared war civil war insurrection rebellion or revolution Warlike act by a military force or military personnel or Destruction seizure or use for a military purpose Insurable Interest and Limit of Liability Even if more than one person has an insurable interest in the property covered we will not be liable in any one loss a To the insured for more than the amount of the insured s interest at the time of loss or b For more than the applicable limit of liability Your Duties After Loss In case of a loss to covered property you must see that the following are done a Give prompt notice to us or our agent b Notify the police in case of loss by theft c Notify the credit card or fund transfer card company in case of loss under Credit Card or Fund Transfer Card coverage d Protect the property from further damage If repairs to the property are required you must 1 Make reasonable and necessary repairs to protect the property and 2 Keep an accurate record of repair expenses e Prepare an inventory of damaged personal property showing the quantity description actual cash value and amount of loss Attach all bills receipts and related documents that justify the figures in the inventory f As often as we reasonably require 1 Show the damaged property 2 Provide us with records and documents we request and permit us to make copies and 3 Submit to examination under oath while not in the presence of any other insured and sign the same g Send to us within 60 days after our request your signed sworn proof of loss which sets forth to the best of your knowledge and belief 1 The time and cause of loss 2 The interest of the insured and all others in the property involved and all liens on the property 3 Other insurance which may cover the loss Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 8
3 4 5 6 7 8 4 Changes in title or occupancy of the property during the term of the policy 5 Specifications of damaged buildings and detailed repair estimates 6 The inventory of damaged personal property described in 2 e above 7 Receipts for additional living expenses incurred and records that support the fair rental value loss and 8 Evidence or affidavit that supports a claim under the Credit Card Fund Transfer Card Forgery and Counterfeit Money coverage stating the amount and cause of loss Loss Settlement Covered property losses are settled at actual cash value at the time of loss but not more than the amount required to repair or replace Loss to a Pair or Set In case of loss to a pair or set we may elect to a Repair or replace any part to restore the pair or set to its value before the loss or b Pay the difference between actual cash value of the property before and after the loss Glass Replacement Loss for damage to glass caused by a Peril Insured Against will be settled on the basis of replacement with safety glazing materials when required by ordinance or law Appraisal If you and we fail to agree on the amount of loss either may demand an appraisal of the loss In this event each party will choose a competent appraiser within 20 days after receiving a written request from the other The two appraisers will choose an umpire If they cannot agree upon an umpire within 15 days you or we may request that the choice be made by a judge of a court of record in the state where the residence premises is located The appraisers will separately set the amount of loss If the appraisers submit a written report of an agreement to us the amount agreed upon will be the amount of loss If they fail to agree they will submit their differences to the umpire A decision agreed to by any two will set the amount of loss Each party will a Pay its own appraiser and b Bear the other expenses of the appraisal and umpire equally Other Insurance If a loss covered by this policy is also covered by other insurance we will pay only the proportion of the loss that the limit of liability that applies under this policy bears to the total amount of insurance covering the loss Action Against Us No action shall apply against us unless a There has been full compliance with all the terms of this policy and b 9 10 11 12 13 14 15 The action is brought within one year from the date when you discover the loss Our Option If we give you written notice within 30 days after we receive your signed sworn proof of loss we may repair or replace any part of the damaged property with like property Loss Payment We will adjust all losses with you We will pay you unless some other person is named in the policy or is legally entitled to receive payment Loss will be payable 60 days after we receive your proof of loss and a Reach an agreement with you b There is an entry of a final judgment or c There is a filing of an appraisal award with us Abandonment of Property We need not accept any property abandoned by an insured No Benefit to Bailee We will not recognize any assignment or grant any coverage that benefits a person or organization holding storing or moving property for a fee regardless of any other provision of this policy Nuclear Hazard Clause a Nuclear Hazard means any nuclear reaction radiation or radioactive contamination all whether controlled or uncontrolled or however caused or any consequence of any of these b Loss caused by the nuclear hazard will not be considered loss caused by fire explosion or smoke whether these perils are specifically named in or otherwise included within the Perils Insured Against in Section I c This policy does not apply under Section I to loss caused directly or indirectly by nuclear hazard except that direct loss by fire resulting from the nuclear hazard is covered Recovered Property If you or we recover any property for which we have made payment under this policy you or we will notify the other of the recovery At your option the property will be returned to or retained by you or it will become our property If the recovered property is returned to or retained by you the loss payment will be adjusted based on the amount you received for the recovered property Volcanic Eruption Period One or more volcanic eruptions that occur within a 72 hour period will be considered as one volcanic eruption 16 Loss Payee If a loss payee is listed in the Declarations any loss or damage to personal effects insured by the policy will be payable as interests may appear to the loss payee shown SECTION II LIABILITY COVERAGES COVERAGE E Personal Liability If a claim is made or a suit is brought against an insured for damages because of bodily injury or property damage caused by an occurrence to which this coverage applies we will Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 9
1 Pay up to our limit of liability for the damages for which the insured is legally liable Damages include prejudgment interest awarded against the insured and 2 Provide a defense at our expense by counsel of our choice even if the suit is groundless false or fraudulent We may investigate and settle any claim or suit that we decide is appropriate Our duty to settle or defend ends when the amount we pay for damages resulting from the occurrence equals our limit of liability COVERAGE F Medical Payments To Others We will pay the necessary medical expenses that are incurred or medically ascertained within three years from the date of an accident causing bodily injury Medical expenses means reasonable charges for medical surgical x ray dental ambulance hospital professional nursing prosthetic devices and funeral services This coverage does not apply to you or regular residents of your household except residence employees As to others this coverage applies only 1 To a person on the insured location with the permission of an insured or 2 To a person off the insured location if the bodily injury a Arises out of a condition on the insured location or the ways immediately adjoining b Is caused by the activities of an insured c Is caused by a residence employee in the course of the residence employee s employment by an insured or d Is caused by an animal owned by or in the care of an insured d e f SECTION II EXCLUSIONS 1 Coverage E Personal Liability and Coverage F Medical Payments to Others do not apply to bodily injury or property damage a Which is expected or intended by an insured even if the resulting bodily injury or property damage is of a different kind degree or quality than initially expected or intended or is sustained by a different person entity real or personal property b Arising out of or in connection with a business engaged in by an insured This exclusion applies but is not limited to an act or omission regardless of its nature or circumstance involving a service or duty rendered promised owed or implied to be g c provided because of the nature of the business Arising out of the rental or holding for rental of any part of any premises by an insured This exclusion does not apply to the rental or holding for rental of an insured location 1 On an occasional basis if used only as a residence 2 In part for use only as a residence unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders or 3 In part as an office school studio or private garage Arising out of the rendering of or failure to render professional services Arising out of a premises 1 Owned by an insured 2 Rented to an insured or 3 Rented to others by an insured that is not an insured location Arising out of 1 The ownership maintenance use loading or unloading of motor vehicles or all other motorized land conveyances including trailers owned or operated by or rented or loaned to an insured 2 The entrustment by an insured of a motor vehicle or any other motorized land conveyance to any person or 3 Vicarious liability whether or not statutorily imposed for the actions of a child or minor using a conveyance excluded in paragraph 1 or 2 above This exclusion does not apply to 1 A trailer not towed by or carried on a motorized land conveyance 2 A motorized land conveyance designed for recreational use off public roads not subject to motor vehicle registration and a Not owned by an insured or b Owned by an insured and on an insured location 3 A motorized golf cart when used to play golf on a golf course 4 A vehicle or conveyance not subject to motor vehicle registration which is a Used to service an insured s residence b Designed for assisting the handicapped or c In dead storage on an insured location Arising out of 1 The ownership maintenance use loading or unloading of an excluded watercraft described below 2 The entrustment by an insured of an excluded watercraft described below to any person or Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 10
h 3 Vicarious liability whether or not statutorily imposed for the actions of a child or minor using an excluded watercraft described below Excluded watercraft are those that are principally designed to be propelled by engine power or electric motor or are sailing vessels whether owned by or rented to an insured This exclusion does not apply to watercraft 1 That are not sailing vessels and are powered by a Inboard or inboard outdrive engine or motor power of 50 horsepower or less not owned by an insured b Inboard or inboard outdrive engine or motor power of more than 50 horsepower not owned by or rented to an insured c One or more outboard engines or motors with 25 total horsepower or less d One or more outboard engines or motors with more than 25 total horsepower if the outboard engine or motor is not owned by an insured e Outboard engines or motors of more than 25 total horsepower owned by an insured if i You acquire them prior to the policy period and a You declare them at policy inception or b Your intention to insure is reported to us in writing within 45 days after you acquire the outboard engines or motors ii You acquire them during the policy period This coverage applies for the policy period 2 That are sailing vessels with or without auxiliary power a Less than 26 feet in overall length b 26 feet or more in overall length not owned by or rented to an insured 3 That are stored Arising out of 2 1 The ownership maintenance use loading or unloading of an aircraft 2 The entrustment by an insured of an aircraft to any person or 3 Vicarious liability whether or not statutorily imposed for the actions of a child or minor using an aircraft An aircraft means any contrivance used or designed for flight except model or hobby aircraft not used or designed to carry people or cargo i Caused directly or indirectly by war including the following and any consequence of any of the following 1 Undeclared war civil war insurrection rebellion or revolution 2 Warlike act by a military force or military personnel or 3 Destruction seizure or use for a military purpose Discharge of a nuclear weapon will be deemed a warlike act even if accidental j Which arises out of the transmission of a communicable disease by an insured k Arising out of sexual molestation corporal punishment or physical or mental abuse or l Arising out of the use sale manufacture delivery transfer or possession by any person of a Controlled Substance s as defined by the Federal Food and Drug Law at 21 U S C A Sections 811 and 812 Controlled Substances include but are not limited to cocaine LSD marijuana and all narcotic drugs However this exclusion does not apply to the legitimate use of prescription drugs by a person following the orders of a licensed physician m Arising out of pollution meaning loss caused by 1 The actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at or from the insured location or 2 Any governmental direction or request that any of you test for monitor clean up remove contain treat detoxify or neutralize pollutants Exclusions e f g and h do not apply to bodily injury to a residence employee arising out of and in the course of the residence employee s employment by an insured Coverage E Personal Liability does not apply to a Liability 1 For any loss assessment charged against you as a member of an association corporation or community of property owners 2 Under any contract or agreement However this exclusion does not apply to written contracts a That directly relate to the ownership maintenance or use of an insured location or Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 11
3 b Where the liability of others is assumed by the insured prior to an occurrence unless excluded in 1 above or elsewhere in this policy b Property damage to property owned by the insured c Property damage to property rented to occupied or used by or in the care of the insured This exclusion does not apply to property damage caused by fire smoke explosion or water damage d Bodily injury to any person eligible to receive any benefits 1 Voluntarily provided or 2 Required to be provided by the insured under any 1 Workers compensation law 2 Non occupational disability law or 3 Occupational disease law e Bodily injury or property damage for which an insured under this policy 1 Is also an insured under a nuclear energy liability policy or 2 Would be an insured under that policy but for the exhaustion of its limit of liability A nuclear energy liability policy is one issued by 1 American Nuclear Insurers 2 Mutual Atomic Energy Liability Underwriters 3 Nuclear Insurance Association of Canada or any of their successors or f Bodily injury to you or an insured within the meaning of part a or b of insured as defined Coverage F Medical Payments to Others does not apply to bodily injury a To a residence employee if the bodily injury 1 Occurs off the insured location and 2 Does not arise out of or in the course of the residence employee s employment by an insured b To any person eligible to receive benefits 1 Voluntarily provided or 2 Required to be provided under any 1 Workers compensation law 2 Non occupational disability law or 3 Occupational disease law c d From any 1 Nuclear reaction 2 Nuclear radiation or 3 Radioactive contamination all whether controlled or uncontrolled or however caused or 4 Any consequence of any of these or To any person other than a residence employee of an insured regularly residing on any part of the insured location SECTION II ADDITIONAL COVERAGES We cover the following in addition to the limits of liability 1 Claim Expenses We pay a Expenses we incur and costs taxed against an insured in any suit we defend b Premiums on bonds required in a suit we defend but not for bond amounts more than the limit of liability for Coverage E We need not apply for or furnish any bond c Reasonable expenses incurred by an insured at our request including actual loss of earnings but not loss of other income up to 50 per day for assisting us in the investigation or defense of a claim or suit and d Interest on the entire judgment which accrues after entry of the judgment and before we pay or tender or deposit in court that part of the judgment which does not exceed the limit of liability that applies 2 First Aid Expenses We will pay expenses for first aid to others incurred by an insured for bodily injury covered under this policy We will not pay for first aid to you or any other insured 3 Damage to Property of Others We will pay at replacement cost up to 500 per occurrence for property damage to property of others caused by an insured We will not pay for property damage a To the extent of any amount recoverable under Section I of this policy b Caused intentionally by an insured who is 13 years of age or older c To property owned by an insured d To property owned by or rented to an insured a tenant of an insured or a resident in your household or e Arising out of 1 A business engaged in by an insured 2 Any act or omission in connection with a premises owned rented or controlled by an insured other than the insured location or Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 12
4 3 The ownership maintenance or use of aircraft watercraft or motor vehicles or all other motorized land conveyances This exclusion does not apply to a motorized land conveyance designed for recreational use off public roads not subject to motor vehicle registration and not owned by an insured Loss Assessment We will pay up to 1000 for your share of loss assessment charged during the policy period against you by a corporation or association of property owners when the assessment is made as a result of a Bodily injury or property damage not excluded under Section II of this policy or b Liability for an act of a director officer or trustee in the capacity as a director officer or trustee provided 1 The director officer or trustee is elected by the members of a corporation or association of property owners and 2 The director officer or trustee serves without deriving any income from the exercise of duties which are solely on behalf of a corporation or association of property owners This coverage applies only to loss assessments charged against you as owner or tenant of the residence premises We do not cover loss assessments charged against you or a corporation or association of property owners by any governmental body Regardless of the number of assessments the limit of 1000 is the most we will pay for loss arising out of a One accident including continuous or repeated exposure to substantially the same general harmful condition or b A covered act of a director officer or trustee An act involving more than one director officer or trustee is considered to be a single act The following do not apply to this coverage 1 Section II Coverage E Personal Liability Exclusion 2 a 1 2 Condition 1 Policy Period under SECTIONS I AND II CONDITIONS 2 3 4 SECTION II CONDITIONS 1 Limit of Liability Our total liability under Coverage E for all damages resulting from any one occurrence will not be more than the limit of liability for Coverage E as shown in the Declarations This limit is the same regardless of the number of insureds claims made or persons injured All bodily injury and property damage resulting from any one accident or from continuous or repeated exposure to substantially the same general harmful conditions shall be considered to be the result of one occurrence Our total liability under Coverage F for all medical expense payable for bodily injury to one person as the result of one accident will not be more than the limit of liability for Coverage F as shown in the Declarations Severability of Insurance This insurance applies separately to each insured This condition will not increase our limit of liability for any one occurrence Duties After Loss In case of an accident or occurrence the insured will perform the following duties that apply You will help us by seeing that these duties are performed a Give written notice to us or our agent as soon as is practical which sets forth 1 The identity of the policy and insured 2 Reasonably available information on the time place and circumstances of the accident or occurrence and 3 Names and addresses of any claimants and witnesses b Promptly forward to us every notice demand summons or other process relating to the accident or occurrence c At our request help us 1 To make settlement 2 To enforce any right of contribution or indemnity against any person or organization who may be liable to an insured 3 With the conduct of suits and attend hearings and trials and 4 To secure and give evidence and obtain the attendance of witnesses d Under the coverage Damage to Property of Others submit to us within 60 days after the loss a sworn statement of loss and show the damaged property if in the insured s control e The insured will not except at the insured s own cost voluntarily make payment assume obligation or incur expense other than for first aid to others at the time of the bodily injury Duties of an Injured Person Coverage F Medical Payments to Others The injured person or someone acting for the injured person will a Give us written proof of claim under oath if required as soon as is practical and b Authorize us to obtain copies of medical reports and records The injured person will submit to a physical exam by a doctor of our choice when and as often as we reasonably require Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 13
5 6 7 8 Payment of Claim Coverage F Medical Payments to Others Payment under this coverage is not an admission of liability by an insured or us Action Against Us No action can be brought against us unless there has been compliance with the policy provisions No one will have the right to join us as a party to any action against an insured Also no action with respect to Coverage E can be brought against us until the obligation of the insured has been determined by final judgment or agreement signed by us Bankruptcy of an Insured Bankruptcy or insolvency of an insured will not relieve us of our obligations under this policy Other Insurance Coverage E Personal Liability This insurance is excess over other valid and collectible insurance except insurance written specifically to cover as excess over the limits of liability that apply in this policy 4 5 SECTIONS I AND II CONDITIONS 1 2 3 Policy Period This policy applies only to loss in Section I or bodily injury or property damage in Section II which occurs during the policy period Concealment or Fraud a Under SECTION I PROPERTY COVERAGES with respect to all insureds covered under this policy we provide no coverage for loss under SECTION I PROPERTY COVERAGES if whether before or after a loss an insured has 1 Intentionally concealed or misrepresented any material fact or circumstance 2 Engaged in fraudulent conduct or 3 Made false statements relating to this insurance b Under SECTION II LIABILITY COVERAGES we do not provide coverage to an insured who whether before or after a loss has 1 Intentionally concealed or misrepresented any material fact or circumstance 2 Engaged in fraudulent conduct or 3 Made false statements relating to this insurance Liberalization Clause If we make a change which broadens coverage under this edition of our policy without additional premium charge that change will automatically apply to your insurance as of the date we implement the change in your state provided that this implementation date falls within 60 days prior to or during the policy period stated in the Declarations This Liberalization Clause does not apply to changes implemented through introduction of a subsequent edition of our policy Waiver or Change of Policy Provisions A waiver or change of a provision of this policy must be in writing by us to be valid Our request for an appraisal or examination will not waive any of our rights Cancellation a You may cancel this policy at any time by returning it to us or by letting us know in writing of the date cancellation is to take effect b We may cancel this policy only for the reasons stated below by letting you know in writing of the date cancellation takes effect This cancellation notice may be delivered to you or mailed to you at your mailing address shown in the Declarations Proof of mailing will be sufficient proof of notice 1 When you have not paid the premium we may cancel at any time by letting you know at least 10 days before the date cancellation takes effect 2 When this policy has been in effect for less than 60 days and is not a renewal with us we may cancel for any reason by letting you know at least 10 days before the date cancellation takes effect 3 When this policy has been in effect for 60 days or more or at any time if it is a renewal with us we may cancel a If there has been a material misrepresentation of fact which if known to us would have caused us not to issue the policy or b If the risk has changed substantially since the policy was issued This can be done by letting you know at least 30 days before the date cancellation takes effect 4 When this policy is written for a period of more than one year we may cancel for any reason at anniversary by letting you know at least 30 days before the date cancellation takes effect c When this policy is cancelled the premium for the period from the date of cancellation to the expiration date will be refunded pro rata less any applicable policy fee The policy fee is fully earned and is not refundable except in the case where the policy is flat cancelled d If the return premium is not refunded with the notice of cancellation or when this policy is returned to us we will refund it within a reasonable time after the date cancellation takes effect e When we provide evidence of coverage under this policy to meet the requirements of a lease or rental agreement to the landlord we may also provide notice of cancellation or Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 14
6 7 8 nonrenewal to the landlord Failure to mail such notice shall not impose any obligation or liability of any kind upon us Nonrenewal We may elect not to renew this policy We may do so by delivering to you or mailing to you at your mailing address shown in the Declarations written notice at least 30 days before the expiration date of this policy Proof of mailing will be sufficient proof of notice Assignment Assignment of this policy will not be valid unless we give our written consent Subrogation An insured may waive in writing before a loss all rights of recovery against any person If not waived we may require an assignment of rights of recovery for a loss to the extent that payment is made by us If an assignment is sought an insured must sign and deliver all related papers and cooperate with us 9 Subrogation does not apply under Section II to Medical Payments to Others or Damage to Property of Others Death If any person named in the Declarations or the spouse if a resident of the same household dies a We insure the legal representative of the deceased but only with respect to the premises and property of the deceased covered under the policy at the time of death b Insured includes 1 Any member of your household who is an insured at the time of your death but only while a resident of the residence premises and 2 With respect to your property the person having proper temporary custody of the property until appointment and qualification of a legal representative In Witness Whereof we have caused this policy to be executed and attested but this policy shall not be valid unless countersigned by our authorized representative Includes copyrighted material of Insurance Services Office Inc with its permission AJ8850PC 0307 Page 15
IMPORTANT NOTICE TO REPORT A CLAIM CALL 1 800 358 0600 Always Have Your Policy Number Available When Reporting A Claim ARSON PREVENTION PROGRAM American Bankers Insurance Company of Florida will pay 1 000 00 for information leading to the conviction of any person for arson to a dwelling or vehicle insured by the Company AJ8850PC 0307 Page 16
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 11222 Quail Roost Drive Miami FL 33157 6596 305 253 2244 ARBITRATION PROVISION READ THE FOLLOWING ABITRATION PROVISION PROVISION CAREFULLY IT LIMITS CERTAIN OF YOUR RIGHTS INCLUDING YOUR RIGHT TO A JURY TRIAL AND TO OBTAIN REDRESS THROUGH COURTS As used in this Arbitration Provision You and Your mean the policy holder or policy holders insureds or additional insureds and all of his her heirs survivors assigns and representatives We and Us mean American Bankers Insurance Company of Florida Any and all claims disputes or controversies of any nature whatsoever whether in contract tort or otherwise including statutory common law fraud whether by misrepresentation or by omission or other intentional tort property or equitable claims arising out of relating to or in connection with 1 this Policy or Certificate or any prior Policy or Certificate issued by Us to You 2 Any credit loan or purchase transaction in connection with which this Policy or Certificate or any prior Policy or Certificate was issued by Us to You or 3 the validity scope interpretation or enforceability of this Provision or of the entire Policy or Certificate Claim shall be resolved by binding arbitration before a single arbitrator All arbitrations shall be administered by the American Arbitration Association AAA in accordance with its Expedited Procedures of the Commercial Arbitration Rules of the AAA in effect at the time the Claim is filed The terms of this Provision shall control any inconsi stency between the AAA s Rules and this Provision You may obtain a copy of the AAA s Rules by calling 800 778 7879 Upon written request We will advance to You either all or part of the fees of the AAA and of the arbitrator after you have been unsuccessful in obtaining a waiver of fees and costs from the AAA The arbitrator will decide whether You or We will be responsible for these fees The arbitrator shall apply relevant substantive federal and state law and applicable statutes of limitations and shall provide written reasoned findings of fact and conclusions of law This Arbitration Provision is part of a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act 9 U S C 1 et seq If any portion of this Arbitration Provision is deemed invalid or unenforceable it shall not invalidate the remaining portions of the Arbitration Provision except that in no event shall this Arbitration Provision be amended or construed to permit arbitration on behalf of a group or class For the purpose of this Arbitration Provision American Bankers Insurance Company of Florida shall be deemed to include all of its affiliates successors and assigns including but not limited to American Bankers Insurance Company of Florida their respective principals partners officers and directors and all of the dealers licensees agents and employees of any of the foregoing entities This Arbitration Provision shall inure to the benefit of and be binding on You and each of the aforementioned persons and entities This Provision shall continue in full force and effect subsequent to and notwithstanding the expiration of termination of this Policy or Certificate No Class Actions No Joinder of Parties You agree that any arbitration proceeding will only consider Your Claims Claims by or on behalf of other individuals will not be arbitrated in any proceeding that is considering Your Claims You also agree that You will not join with others to bring Claims in the same arbitration proceeding unless all such persons are named on Your Policy or Certificate YOU AND WE UNDERSTAND AND AGREE THAT BECAUSE OF THIS ARBITRATION PROVISION NEITHER YOU NOR WE WILL HAVE THE RIGHT TO GO TO COURT EXCEPT AS PROVIDED ABOVE OR TO HAVE A JURY TRIAL OR TO PARTICIPATE AS ANY MEMBER OF A CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM AJ9818EPC 0608
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 11222 Quail Roost Drive Miami FL 33157 6596 305 253 2244 THIS ENDORSEMENT CHANGES THE POLICY PLEASE READ IT CAREFULLY RENTERS INSURANCE PROGRAM LIMITED FUNGI WET OR DRY ROT OR BACTERIA COVERAGE SCHEDULE These limits of liability apply to the total of all loss or costs payable under this endorsement regardless of the number of occurrences the number of claims made or the number of locations insured under this endorsement and listed in this Schedule 1 Section I Property Coverage Limit of Liability for the Additional Coverage Fungi Wet Or Dry Rot Or Bacteria 5 000 2 Section II Coverage E Aggregate Sublimit of Liability for Fungi Wet Or Dry Rot Or Bacteria 10 000 Entries may be left blank if shown elsewhere in this policy for this coverage DEFINITIONS The following definition is added 10 Fungi a Fungi means any type or form of fungus including mold or mildew and any mycotoxins spores scents or by products produced or released by fungi b Under Section II this does not include any fungi that are are on or are contained in a good or product intended for consumption b SECTION I PROPERTY COVERAGES Additional Coverages The following Additional Coverage is added 12 Fungi Wet Or Dry Rot Or Bacteria a The amount shown in the Schedule above is the most we will pay for 1 The total of all loss payable under Section I Property Coverages caused by fungi wet or dry rot or bacteria 2 The cost to remove fungi wet or dry rot or bacteria from property covered under Section I Property Coverages 3 The cost to tear out and replace any part of the building or other covered AJ8485EC 0605 c d property as needed to gain access to the fungi wet or dry rot or bacteria and 4 The cost of testing of air or property to confirm the absence presence or level of fungi wet or dry rot or bacteria whether performed prior to during or after removal repair restoration or replacement The cost of such testing will be provided only to the extent that there is a reason to believe that there is the presence of fungi wet or dry rot or bacteria The coverage described in 12 a only applies when such loss or costs are a result of a Peril Insured Against that occurs during the policy period and only if all reasonable means were used to save and preserve the property from further damage at and after the time the Peril Insured Against occurred The amount shown in the Schedule for this coverage is the most we will pay for the total of all loss or costs payable under this Additional Coverage regardless of the 1 Number of locations insured under this endorsement or 2 Number of claims made If there is covered loss or damage to covered property not caused in whole or in Includes copyrighted material of Insurance Services Office with its permission Page 1
part by fungi wet or dry rot or bacteria loss payment will not be limited by the terms of this Additional Coverage except to the extent that fungi wet or dry rot or bacteria causes an increase in the loss Any such increase in the loss will be subject to the terms of this Additional Coverage This coverage does not increase the limit of liability applying to the damaged covered property Declarations This limit is the same regardless of the number of insureds claims made or persons injured All bodily injury and property damage resulting from any one accident or from continuous or repeated exposure to substantially the same general harmful conditions will be considered to be the result of one occurrence Our total liability under Coverage F for all medical expense payable for bodily injury to one person as the result of one accident will not be more than the Coverage F limit of liability shown in the Declarations However our total liability under Coverage E for the total of all damages arising directly or indirectly in whole or in part out of the actual alleged or threatened inhalation of ingestion of contact with exposure to existence of or presence of any fungi wet or dry rot or bacteria will not be more than the Section II Coverge E Aggregate Sublimit of Liability for Fungi Wet Or Dry Rot Or Bacteria That sublimit is the amount shown in the Schedule This is the most we will pay regardless of the 1 Number of locations insured under the policy to which this endorsement is attached 2 Number of persons injured 3 Number of persons whose property is damaged 4 Number of insureds or 5 Number of occurrences or claims made This sublimit is within but does not increase the Coverage E limit of liability It applies separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations SECTION I PERILS INSURED AGAINST 12 Accidental Discharge Or Overflow Of Water Or Steam is amended to include the following d To a building caused by constant or repeated seepage or leakage of water or the presence or condensation of humidity moisture or vapor over a period of weeks months or years unless such seepage or leakage of water or the presence or condensation of humidity moisture or vapor and the resulting damage is unknown to all insureds and is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure SECTION I EXCLUSIONS The following exclusion is added 9 Fungi Wet Or Dry Rot Or Bacteria Fungi Wet Or Dry Rot Or Bacteria meaning the presence growth proliferation spread or any activity of fungi wet or dry rot or bacteria This Exclusion does not apply a When fungi wet or dry rot or bacteria results from fire or lightning or b To the extent coverage is provided for in the Fungi Wet Or Dry Rot Or Bacteria Additional Coverage under Section I Property Coverages with respect to loss caused by a Peril Insured Against other than fire or lightning Direct loss by a Peril Insured Against resulting from fungi wet or dry rot or bacteria is covered With respect to damages arising out of fungi wet or dry rot or bacteria described in 1 Limit Of Liability of this endorsement Condition 2 Severability Of Insurance is deleted and replaced by the following 2 Severability Of Insurance This insurance applies separately to each insured except with respect to the Aggregate Sublimit of Liability described in this endorsement under Section II Conditions 1 Limit Of Liability This condition will not increase the limit of liability for this coverage SECTION II CONDITIONS Condition 1 Limit Of Liability is deleted and replaced by the following 1 Limit Of Liability Our total liability under Coverage E for all damages resulting from any one occurrence will not be more than the Coverage E limit of liability shown in the AJ8485EC 0605 SECTIONS I AND II CONDITIONS Condition 1 Policy Period is deleted and replaced by the following 1 Policy Period This policy applies to loss or costs which occur during the policy period All other provisions of the policy apply Includes copyrighted material of Insurance Services Office with its permission Page 2
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 11222 Quail Roost Drive Miami FL 33157 6596 305 253 2244 RENTERS INSURANCE PROGRAM PERSONAL PROPERTY REPLACEMENT COST ENDORSEMENT THIS ENDORSEMENT CHANGES YOUR POLICY PLEASE READ IT CAREFULLY SECTION I PROPERTY COVERAGES c For an additional premium covered losses under Coverage C Personal Property are settled at replacement cost at the time of loss d Personal Property Replacement Cost coverage will also apply to the following articles or classes of property if they are separately described and specifically insured in this policy a Jewelry b Furs and garments trimmed with fur or consisting principally of fur and c Silverware silver plated ware goldware gold plated ware and pewterware but excluding pens pencils flasks smoking implements or jewelry 1 2 REPLACEMENT COST The following loss settlement procedure applies to all property insured under this endorsement a PROPERTY NOT ELIGIBLE Property listed below is not eligible for replacement cost settlement Any loss will be settled at actual cash value at the time of loss but not more than the amount required to repair or replace a antiques fine arts paintings and similar articles of rarity or antiquity which cannot be replaced b memorabilia souvenirs collectors items and similar articles whose age or history contribute to their value ALL OTHER TERMS AND CONDITIONS REMAIN THE SAME AB4720EC 0307 articles not maintained in good or workable condition articles that are outdated or obsolete b c We will pay no more than the least of the following amounts 1 replacement cost at the time of loss without deduction for depreciation 2 the full cost of repair at the time of loss 3 the limit of liability that applies under Coverage C 4 any applicable special limits of liability stated in this policy or 5 for loss to any item separately described and specifically insured in this policy the limit of liability that applies to the item We will pay no more than the actual cash value for the loss or damage until we receive proof that the repair or replacement is complete You may make a claim for loss on an actual cash value basis and then make claim within 180 days after the loss for any additional liability in accordance with this endorsement
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 11222 Quail Roost Drive Miami FL 33157 6596 305 253 2244 RENTERS INSURANCE PROGRAM WATER BACKUP OF SEWERS OR DRAINS ENDORSEMENT THIS ENDORSEMENT AMENDS THE POLICY PLEASE READ IT CAREFULLY SECTION I PROPERTY COVERAGES For an additional premium we insure for direct loss caused by water which backs up through sewers or drains or which overflows from a sump The most we will pay for any loss covered under this endorsement is 2 500 for each occurrence SPECIAL DEDUCTIBLE A 250 deductible shall apply to any loss caused by water which backs up through sewers or drains or which overflows from a sump We will pay only that part of the loss that exceeds this deductible No other deductible applies to this coverage This deductible does not apply with respect to Coverage D Loss of Use SECTION I EXCLUSIONS Item b of 3 Water Damage is deleted in its entirety ALL OTHER TERMS AND CONDITIONS REMAIN THE SAME AB5087EC 0805 Includes copyrighted material of Insurance Services Office Inc with its permission
American Bankers Insurance Company of Florida A Stock Insurance Company 11222 Quail Roost Drive Miami FL 33157 6596 305 253 2244 RENTERS INSURANCE PROGRAM MANDATORY AMENDATORY ENDORSEMENT SOUTH CAROLINA THIS ENDORSEMENT CHANGES THE POLICY PLEASE READ IT CAREFULLY DEFINITIONS a Is in any residence occupied by an insured or Under item 3 Insured the following is added to the definition of insured b Is in the physical custody of that employee and that employee is engaged in the service of an insured e With respect to property damage under SECTION II any person residing at the insured location but only if that person is listed on the lease that applies to the insured location The following definitions are added 10 Fungi means a Any type or form of fungus including mold or mildew and any mycotoxins spores scents or by products produced or released by fungi b Under Section II this does not include any fungi that are are on or are contained in a good or product intended for consumption 11 Interested Party means the person or organization listed on the Declarations Page that has an interest in ensuring coverage exists on the residence premises 12 Personal Injury means injury other than bodily injury arising out of one or more of the following acts a False arrest detention or imprisonment b Malicious prosecution c Wrongful eviction of a person from premises that the person occupies d Oral or written publication of material that slanders or libels a person or organization e Oral or written publication of material that violates a person s right of privacy SECTION I PROPERTY COVERAGES Under COVERAGE C Personal Property the first and second paragraphs are deleted and replaced by the following We cover personal property owned or used by an insured while it is anywhere in the world At your request we will cover personal property owned by 1 Others while the property is on the part of the residence premises occupied by an insured 2 A guest while the property is in any residence occupied by an insured 3 A Residence employee while the property AB4461EC 1215 Our limit of liability for personal property usually located at an insured s residence other than the residence premises is 10 of the limit of liability for Coverage C or 1000 whichever is greater Personal property in a newly acquired principal residence is not subject to this limitation for the 30 days from the time you begin to move the property there Our limit of liability for personal property owned or used by an insured and located in a self storage facility is 20 of the limit of liability for Personal Property or 5 000 whichever is greater However this limitation does not apply to personal property usually located in an insured s residence other than the residence premises SECTION I PERILS INSURED AGAINST Item 6 is amended as follows 6 Vehicles Damage or loss to property as a result of a vehicle accident Item 11 is replaced with the following 11 Weight of ice snow or sleet which causes damage to the property contained in the building Item 15 is deleted and replaced by the following 15 Sudden and accidental damage from artificially generated electrical current SECTION I EXCLUSIONS Item 2 Earth Movement is replaced by the following 2 Earth Movement meaning a Earthquake including land shock waves or tremors before during or after a volcanic eruption b Landslide mudslide or mudflow c Subsidence or sinkhole or d Any other earth movement including earth sinking rising or shifting Includes copyrighted material of Insurance Services Offices Inc with its permission Page 1
This exclusion 2 applies regardless of whether any of the above in 2 a through 2 d is caused by an act of nature or is otherwise caused However direct loss by fire explosion or theft resulting from any of the above in 2 a through 2 d is covered whole or in part in or over water Item 3 Water Damage is deleted and replaced by the following 3 outdoor equipment used to service the residence premises when outside of a building and outdoor antennas including their lead in wiring and f screens including the supports which are not of a building However we cover screens and supports of a porch which is a part of a dwelling Water Damage meaning a b c Item 2 Your Duties After Loss item b is amended as follows Water or water borne material which backs up through sewers or drains or which overflows from a sump sump pump or related equipment or Item 8 Action Against Us is deleted and replaced by the following Water below the surface of the ground including water which exerts pressure on or seeps leaks or flows through a building sidewalk driveway patio foundation swimming pool or other structure However direct loss by fire explosion or theft resulting from water damage is covered The following exclusion is added Windstorm or Hail to any of the following property a SECTION I CONDITIONS Flood including but not limited to flash flood surface water waves including tidal wave and tsunami tides tidal water overflow of any body of water or spray from any of these all whether or not driven by wind including storm surge This exclusion applies to but is not limited to escape overflow or discharge for any reason of water or waterborne material from a dam levee seawall or any other boundary or containment system whether natural man made or otherwise made 9 e any structure other than a building 1 having a roof or cover of material other than wood frame or masonry and 2 erected as an awning or canopy for protection from the elements for i b 8 Action Against Us No action shall apply against us unless a There has been full compliance with all the terms of this policy and b The action is brought within three years from the date when you discover the loss SECTION II EXCLUSIONS Under 1 COVERAGE E Personal Liability and COVERAGE F Medical Payments to Others item a is deleted and replaced by the following a Which is expected or intended by an insured even if the resulting bodily injury or property damage is of a different kind degree or quality than initially expected or intended or is sustained by a different person entity real or personal property Under 2 Coverage E Personal Liability item f is amended as follows f Bodily injury to you or an insured within the meaning of part a or b of insured as defined or to residents in your household The following exclusion is added g building openings or ii carports or fence property line and similar wall including seawall c greenhouse hothouse pergola and cabana d structure other than the dwelling including the property in or on the structure located in AB4461EC 1215 Personal injury of any sort including but not limited to bodily injury psychological or emotional injury or defamatory injury to reputation SECTIONS I AND II CONDITIONS iii outdoor areas b Notify the police in case of loss by theft or vandalism or malicious mischief slathouse trellis Under 5 Cancellation paragraphs b c and e are deleted and replaced by the following b We may cancel this policy only for the reasons stated below by written notification to you and if any your insurance agent of the date cancellation takes effect and the precise reason for cancellation This cancellation notice may be delivered or mailed to you and your agent at the mailing addresses shown in the Includes copyrighted material of Insurance Services Offices Inc with its permission Page 2
Declarations or the last known addresses Proof of mailing will be sufficient proof of notice c When this policy is cancelled the premium for the period from the date of cancellation to the expiration date will be refunded pro rata 1 When you have not paid the premium we may cancel at any time by letting you and your agent know at least 10 days before the date cancellation takes effect e When we provide evidence of coverage under this policy to meet the requirements of a lease or rental agreement to the landlord or interested party we may also provide notice of cancellation or nonrenewal to the landlord or interested party Failure to mail such notice shall not impose any obligation or liability of any kind upon us 2 When this policy has been in effect for less than 120 days and is not a renewal with us we may cancel for any reason by letting you and your agent know at least 30 days before the date cancellation takes effect 3 When this policy has been in effect for 120 days or more or at any time if it is a renewal with us we may cancel a If there has been a material misrepresentation of fact which if known to us would have caused us not to issue this policy Item 6 Nonrenewal is deleted and replaced by the following 6 Nonrenewal We may elect not to renew this policy We may do so by giving the following written notification to you and your agent a 1 60 days before the expiration date of the policy if such date is on or after November 1 and before June 1 or 2 90 days before the expiration date of this policy if such date is on or after June 1 and before November 1 b If the risk has changed substantially since the policy was issued except to the extent that we should reasonably have foreseen the change or contemplated the risk in writing this policy b c In the event of a substantial breach of a contractual duty condition or warranty or d If we lose our reinsurance covering all or a significant portion of this policy or where continuation of the policy would imperil our solvency or place us in violation of the insurance laws of this state Cancellation for these reasons is subject to approval by the Insurance Commissioner This can be done by letting you and your agent know at least 30 days before the date cancellation takes effect If this policy was written for a term of one year or less we may elect not to renew this policy by giving written notification at least If this policy was written for a term of more than one year or for an indefinite term we may elect not to renew this policy by giving written notice at least 1 60 days before the anniversary date of the policy if such date is on or after November 1 and before June 1 or 2 90 days before the anniversary date of the policy if such date is on or after June 1 and before November 1 The nonrenewal notice together with the precise reason for nonrenewal may be delivered or mailed to you and your agent at the mailing address shown in the Declarations or at the last known addresses ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN THE SAME AB4461EC 1215 Includes copyrighted material of Insurance Services Offices Inc with its permission Page 3
IMPORTANT NOTICE OF PREMIUM DISCOUNTS Site Built Residential Property Insurance Coverage Section 38 75 755 requires insurance companies to notify you of the availability and range of each premium discount credit other rate differential or reduction in deductibles for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm have been installed or implemented Securing your roof so it doesn t blow off and protecting your windows from flying debris are the two most cost effective measures you can take to safeguard your home and reduce your premium Estimated Premium Discount Percent or Range Description of Mitigation Measure Other Credit or Rate Differential South Carolina Building Code Compliance Homes built in compliance with the current edition of the 0 5 Not Applicable International Residential Code as adopted by the South Carolina Building Codes Council Roof Covering shingles tiles etc Covering attached in compliance with the current edition of the International Residential Code as adopted by the South Carolina 0 Not Applicable Building Codes Council or the manufacturer s installation requirements for the wind speed for the site on which the home is located Roof Attachment Sheathing attached in compliance with the current edition of the International Residential Code as adopted by the South Carolina 0 Not Applicable Building Codes Council or an engineered design for the wind speed for the site on which the home is located Roof to Wall Connection Clips single straps and double straps installed in compliance with the current edition of the International Residential Code as adopted 0 6 Not Applicable by the South Carolina Building Codes Council or an engineered design for the wind speed for the site on which the home is located Roof Shape and Pitch High Slope greater than 4 12 Hip Gable Gambrel Other ___________________ 0 Not Applicable Low Slope less than 4 12 Hip Gable Gambrel Shed Flat Other____________________ Secondary Water Resistance Roofing felt or other approved layer of protection between the 0 Not Applicable shingles and the roof sheathing below No secondary water resistance Opening Protection None Storm shutters on all windows meeting the minimum requirements of the International Residential Code 0 15 Not Applicable Impact resistant glass meeting the minimum requirements of the International Residential Code Garage doors _____________ Type ____________________ For Companies Offering Flood Insurance On a Direct Basis Home Located in Flood Zone Yes No Not Applicable Not Applicable Flood Zone Designation N A First Floor ____ft inches Above Below BFE Flood Insurance Yes No Elevation Consideration is reflected in Not Applicable Distance From Water Territory Rating Factor 20 Estimated Total Maximum Discount of Hurricane Premium Not Applicable The estimate is general in nature and based on information currently on file The actual amount may vary depending on the specific circumstances of the insured or applicant NT0112 0216 1
Your deductible represents your share of the expenses in the event of a covered loss The higher your deductible the more money you save on your premiums but the greater your out of pocket expense will be in the event of a covered claim Wind and Hail Deductible Options 100 250 500 All Other Perils Deductible Options 100 100 100 Please contact your agent if you have questions about the mitigation techniques included in this form or other mitigation techniques that could result in a discount NT0112 0216 2
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 11222 Quail Roost Drive Miami FL 33157 6596 RENTERS INSURANCE PROGRAM SOUTH CAROLINA FACT SHEET Wind And Hail Coverage The following is the percentage of your premium that applies to Wind and Hail Coverage The Of Premium Applicable to Wind Hail 10 Calculation The Premium amount x the Wind Hail Wind Hail Premium Refer to your Declarations to determine your Premium amount N8144 0405
Policy Coverages and Limitations Summary THIS NOTICE CONTAINS A SUMMARY OF YOUR COVERAGE AND DOES NOT AMEND EXTEND OR ALTER THE COVERAGES OR ANY OTHER PROVISIONS CONTAINED IN YOUR POLICY THE LANGUAGE IN YOUR POLICY CONTROLS YOUR LEGAL RIGHTS AND OBLIGATIONS THIS DISCLOSURE IS NOT ADMISSIBLE IN ANY ACTION CONCERNING THIS POLICY EXCEPT FOR THE SOLE PURPOSE OF SHOWING THAT THE NOTICE WAS OR WAS NOT PROVIDED PURSUANT TO SOUTH CAROLINA LAW READ YOUR INSURANCE POLICY FOR COMPLETE POLICY TERMS AND CONDITIONS DEDUCTIBLES A deductible is the amount of money you have to pay out of pocket for expenses before your insurance kicks in should you have a covered loss The deductible applies to coverage for your personal property The deductible applies to each claim You may be able to reduce your premium by increasing your deductible For example a policy with a 1 000 deductible will have a lower premium than the same policy with a 500 deductible Having a higher deductible can be a good way to save money on your insurance premium but be sure you can afford to pay the out of pocket costs in the event of a covered loss Your current deductible is listed on your policy Declarations Contact your agent or insurance company for more information about the deductible options available to you In some cases there may be a separate deductible that applies in case of damage from a specified peril such as a hurricane This deductible is specified as a percentage of insured property under Coverage C NOTICE This policy does not include a separate deductible for covered losses such as hurricane wind hail named storm or tropical cyclone NT0074 0715
CATASTROPHE SAVINGS ACCOUNTS Establishing a Catastrophe Savings Account can help you pay for your deductible and other out of pocket costs Similar to health savings accounts the money can be set aside state income tax free and used in the future to pay for qualified catastrophe expenses that result from a hurricane flood or windstorm event that has been declared an emergency by the Governor For more information about Catastrophe Savings Accounts visit the South Carolina Department of Insurance website www doi sc gov search for catastrophe savings accounts or call the Department s Office of Consumer Services 1 800 768 3467 LIMITATIONS OR EXCLUSIONS UNDER THIS POLICY Flood Flood damage is not covered under your policy The National Flood Insurance Program NFIP writes most flood insurance policies although some private insurance companies also offer this coverage You may contact the NFIP by calling 1 888 379 9531 or go online to www floodsmart gov If you need more coverage than is available through the NFIP you may be able to purchase excess flood protection through a private insurance company For more information contact your insurance agent insurance company or the NFIP Mold Mold damage is covered under your policy Earthquake Earthquake damage is not covered under your policy Some insurance companies offer earthquake insurance as a separate policy or an endorsement to your current policy For an additional premium this coverage will protect you in case your home is damaged as a result of an earthquake Unfortunately this option is not available for this program Replacement Cost and Actual Cash Value You may have the option to insure your contents for either replacement cost or actual cash value Actual cash value is the amount needed to repair or replace the damage minus a deduction for depreciation Replacement cost is the cost to repair or replace your contents with property of similar kind and quality without deducting for epreciation Read your insurance policy carefully for the complete terms and conditions regarding replacement cost coverage Please refer to your policy for complete details and information regarding all other limitations and exclusions NT0074 0715
YOUR RESPONSIBILITIES IN THE EVENT OF A CLAIM Contact Your Agent or Company Immediately Insurance policies typically place a time limit on the filing of a claim Time Limitations May Apply Once the company knows you ve had a claim they are required to send you any necessary forms commonly referred to as proof of loss within 20 days These forms detail written proof of what caused the loss as well as the character and extent of the loss for which the claim has been made Read your policy carefully as it may require you to return the completed forms within a specified amount of time If you have replacement cost coverage there may also be time limitations for repairing and replacing damaged property that if not met could cause the claim to be settled on an actual cash value basis Additional Duties Are Outlined in Your Policy In the event of a loss you and your insurance company are each expected to follow certain procedures as outlined in your policy Your responsibilities include for example reporting any crime to the police and making temporary repairs to protect your property from further damage Your duties after a loss are outlined fully in your insurance policy NT0074 0715
Privacy Notice You are a valued customer and we strive to meet your privacy concerns We want to make sure your personal information is protected and that you understand the policies that protect you Assurant companies and other insurers that operate under this Privacy Notice We provide various insurance products including pre funded funeral insurance mobile insurance credit insurance and membership products Our products may be sold directly to individuals sold through our agents or offered on behalf of other companies These other companies may be banks finance companies retailers utilities automobile dealers manufactured housing mortgage companies or funeral homes Pursuant to the United States Gramm Leach Bliley Act companies that qualify as financial institutions must provide their customers with a Privacy Notice on an annual basis If you have asked not to be solicited that request is still in effect You do not need to contact us again This is not a solicitation You do not need to respond This Privacy Notice gives you examples of the types of data we lawfully collect use share or disclose and the kinds of companies with whom we may lawfully share such data These examples serve only as illustrations they should not be considered all of the data we may lawfully collect use or share Below is our privacy pledge to you Our Privacy Principles We do not sell your personal information We do not share your personal information with anyone outside the Assurant family of affiliated companies unless you expressly authorize the sharing or it is permitted or required by law We do not allow those with whom we do business to use our customer information for their own marketing purposes unless there is a valid joint marketing agreement We will not collect use share or disclose any of your information if prohibited by law We contractually require any person or business providing products or services on our behalf to safeguard our customer information Information We May Collect The level of information we may collect varies depending upon the type of services and products we offer you Here are some examples of the types of information we may collect and how we gather it From you or provided to us on your behalf on applications and other forms you submit to us for example your name address social security number telephone number employer and income From your transactions with our companies or other non affiliated parties for example your name address telephone number age credit card use insurance coverage transaction history claims history and premiums From consumer reporting agencies public records and data collection agencies for example your obligations with others and your creditworthiness However we will not use your credit score credit report or any other credit related information in jurisdictions where it is prohibited by law From health care providers such as doctors and hospitals for example your past or present health condition Health data will be collected only if we need to find out if you are eligible for coverage process claims prevent fraud as authorized by you or as the law may permit or require NOTE We collect health data only to manage a health related product or service for example life or disability insurance for which you applied or as otherwise permitted by law From you when you enroll request a service or file a claim on one of our websites for example your name address contract number credit card issuer and account number personal identification number e mail address service contract and claim information From your visits to our Internet websites for example session number and user ID By reviewing our Online Privacy Policy along with the legal notice terms of use site agreement or similar named link appearing on any of our websites you may learn of any cookies utilized by us and of any additional information that may be collected from you on that site DF00965A 0416
Information We May Disclose or Share and with Whom We may lawfully share customer information with other entities as needed to deliver products and services to you provide customer service or handle your account Disclosures Permitted by Law We share customer information as described above and as permitted by law Disclosures for Joint Marketing and Servicing We may lawfully share customer information with persons or organizations inside or outside our family of companies that perform marketing services for us or with whom we have joint marketing agreements Information Regarding Former Customers We treat the information of prospective and former customers in the same manner as existing customers with respect to the use of personal information Our Security Procedures We restrict access to customer information to those employees whom we know have a valid business purpose to have access to such data We maintain physical electronic and procedural safeguards We require those who provide services for us and to whom we provide your data to keep your information safeguarded and confidential Changes to This Privacy Notice We reserve the right to change this Privacy Notice at any time If we make material changes we will provide current customers a new notice that describes our new practices and will post it on our Internet websites The following companies underwrite or market services under the Assurant service mark and adhere to this Privacy Notice We value our relationship with you Should you have any questions about our Privacy Notice please write to us at he Assurant Privacy Office Post Office Box 979047 Miami FL 33197 9047 Affiliates American Bankers Insurance Company of Florida American Bankers Life Assurance Company of Florida American Memorial Life Insurance Company American Security Insurance Company Caribbean American Life Assurance Company Caribbean American Property Insurance Company John Alden Life Insurance Company Reliable Lloyds Insurance Company Standard Guaranty Insurance Company Time Insurance Company Union Security Insurance Company Union Security Life Insurance Company of New York Voyager Indemnity Insurance Company Non Affiliates American Reliable Insurance Company Hallmark County Mutual Insurance Company IA American Life Insurance Company Ranchers and Farmers Mutual Insurance Company Republic Lloyds Southern County Mutual Insurance Company DF00965A 0416
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