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EUGENE J DRONETTE

3004 FOXHILL CIR


APT 105
APOPKA, FL 32703
FLP183833 414857

3/3/2014
PRIVACY STATEMENT

ASI values its relationship with you and recognizes that customer trust is a fundamental element to any successful relationship.
ASI will protect your privacy and the personal information we use to provide you with superior products and services.

We want you to understand how we protect the confidentiality of all personal information obtained in the course of doing business
with you. Our pledge is to protect your privacy whether this information is received by mail, telephone, Internet, or in person.

Personal Information Collected

ASI collects personal information from you when it is necessary in conducting the business of insurance. Most of the information
used in evaluating your application or servicing your policy is shared with us by you or through your agent.

Personal information is also obtained through the claims process. Depending upon your insurance coverage, we may collect
personal information about you from a third party or a consumer-reporting agency. We also collect information about your
transactions with us, affiliates, or others such as your policy coverage, premiums, payments, and motor vehicles records.

Personal Information Disclosed

ASI does not disclose any personal information about current or former customers to anyone, except as permitted by
law or as is necessary in order to provide our products and services to you.

When possible, we advise our vendors and other nonaffiliated third parties, to whom we legally provide your personal information
in the course of conducting our insurance business, of the importance and our commitment to our privacy statement. We make
every effort to only use vendors with the same commitment to customer privacy.

Security of Personal Information

We maintain physical, electronic, and procedural safeguards to protect your personal information.

Access to personal information about you is restricted to anyone except those employees, employees of our affiliates, or others
who need to know that information to provide products or services to you.

ASI works diligently to ensure that our websites are secure. We employ firewalls, encryption technology, authentication and
access control mechanisms to control access to the personal information that may be shared over these sites. Credit card
information is not stored in any database. This information is kept in a server memory only as long as it is needed.

Verification and Accuracy Rights

Keeping your personal information accurate and up to date is important to us. You have the right to see and request corrections
to the personal information we collected that you feel is inaccurate except for information relating to a claim or legal proceeding.

Contacting Us

Your trust is one of our most valued assets. We will continually work to protect the privacy of our customers. This Privacy
Statement is also displayed on our website, www.americanstrategic.com.

Should you have any questions regarding our privacy policy, you may call us directly at 727-821-8765, or you may write us at:

ASI Underwriters
Privacy Compliance
P.O. Box 33018
St. Petersburg, FL 33733-8018

This notice is being provided on behalf of the following companies:

American Strategic Insurance Corp ASI Lloyds


ASI Assurance Corp ASI Services Inc
ASI Preferred Insurance Corp ACA Home Insurance Company
ASI Select Insurance Corp

ASI Privacy 12 10
Homeowners Declaration Page

Name Insured(s): EUGENE J DRONETTE Policy Number: FLP183833

IMPORTANT NOTICE

THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR


HURRICANE LOSSES WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU.

LAW AND ORDINANCE COVERAGE IS AN IMPORTANT


COVERAGE THAT YOU MAY WISH TO PURCHASE. YOU
MAY ALSO NEED TO CONSIDER THE PURCHASE OF
FLOOD INSURANCE FROM THE NATIONAL FLOOD
INSURANCE PROGRAM. WITHOUT THIS COVERAGE, YOU
MAY HAVE UNCOVERED LOSSES. PLEASE DISCUSS THESE
COVERAGES WITH YOUR INSURANCE AGENT.

Page 1 of 3
ASI HO 09 DEC 06 07
This page is intentionally left blank.
ASI Preferred Insurance Corp
1 ASI Way
St. Petersburg, FL 33702
For General Inquiries: (727) 374-2502
Homeowners Declaration Page

Total Policy Premium: $400


Policy Number: FLP183833

Named Insured:
Agent:
EUGENE J DRONETTE
USAA Insurance Agency, Inc
3004 FOXHILL CIR
PO Box 23039
APT 105
St. Petersburg, FL 33742
APOPKA, FL 32703

Agent Code: 414857


For Policy Service, Call: (800)531-8722
Effective Date of This Transaction: 3/5/2014 E-Mail Address: usaa@corporate-services.net

Activity of This Transaction: New Business Policy Period: From: 03/05/2014 To: 03/05/2015
Residence Premises: (At 12:01 AM Standard Time at the residence premises)
3004 FOXHILL CIR APT 105
APOPKA, FL 32703 Plan Type: HO4
Coverage at the residence premises is provided only where a limit of liability is shown or a premium is stated.

Coverages and Limits of Liability


Limit Premium
C. Personal Property $25,000 213.53
D. Loss of Use $5,000 Included
SECTION II: E. Personal Liability - Each Occurrence $300,000 15.00
F. Medical Payments to Others - Each Person $5,000 10.00

OTHER COVERAGES AND ENDORSEMENTS:


(Printed on the following page)

Deductibles:
HURRICANE: $500
ALL OTHER COVERED PERILS: $500

Mortgagee:
1st Mortgagee: 2nd Mortgagee:

Page 2 of 3 Countersigned by Authorized Representative St. Petersburg, Florida Date: 03/03/2014 ASI HO 09 DEC 06 07
Name Insured(s): EUGENE J DRONETTE Policy Number: FLP183833

Coverages And Endorsements Form Number Limit Premium


Limited Fungi, Wet or Dry Rot, or Bacteria Coverage - $10,000/$50,000 ASI HO 09 FCE 01 05
Homeowners Policy Outline ASI HO 09 OTL 01 10
Sinkhole Loss Coverage ASI HO 09 SH 08 12
Special Provisions For Florida ASI HO 09 SP 08 12
Table Of Contents ASI HO4 09 COV 10 08
Homeowners 4 - Special Form HO 00 04 04 91
Home Day Care Business HO 04 96 04 91
Senior/Retired Discount -19.96
E-Policy (Paperless) -1.80
HUR Deductible 500 Included
NHR Deductible 500 Included
Replacement Cost on Contents HO 23 86 01 06 104.35
PC / Construction Factor 15.70
Age of Dwelling 118.61
Secured Community -44.03
Financial Responsibility -49.90

Fees and Assessments:


Emergency Management Preparedness Assistance Fee 2.00
Managing General Agent Fee 25.00
Citizens Property Insurance Corporation Emergency Assessment 3.86
Florida Hurricane Catastrophe Fund Fee 5.02
Florida Insurance Guaranty Association Fee 2.89

Scheduled Items:
Description: Value Premium

The Hurricane Coverage portion of your Total Premium is : $71

The Non-Hurricane Coverage portion of your Total Premium is: $329

Additional Insured: Additional Interest:

Interest:

Rating Information:
Construction Type: Frame
Type of Residence: Apartment
Year Built: 1984
Total Square Feet: 0
ASI Territory: 520D

Notes:

Page 3 of 3 ASI HO 09 DEC 06 07


Checklist of Coverage

Policy Type: HO4

Tenants

The following checklist is for informational purposes only. Florida law prohibits this checklist from changing any of the provisions of
the insurance contract which is the subject of this checklist. Any endorsement regarding changes in types of coverage, exclusions,
limitations, reductions, deductibles, coinsurance, renewal provisions, cancellation provisions, surcharges, or credits will be sent
separately.

Reviewing this checklist together with your policy can help you gain a better understanding of your policy's actual coverages and
limitations, and may even generate questions. By addressing any questions now, you will be more prepared later in the event of a
claim. Experience has shown that many questions tend to arise regarding the coverage of attached or detached screened pool
enclosures, screened porches, and other types of enclosures. Likewise, if your policy insures a condominium unit, questions may
arise regarding the coverage of certain items, such as individual heating and air conditioning units; individual water heaters; floor,
wall, and ceiling coverings; built-in cabinets and counter tops; appliances; window treatments and hardware; and electrical fixtures.
A clear understanding of your policy's coverages and limitations will reduce confusion that may arise during claims settlement.

Please refer to the policy for details and any exceptions to the coverages listed in this checklist. All coverages are subject to the
provisions and conditions of the policy and any endorsements. If you have questions regarding your policy, please contact your
agent or company. Consumer assistance is available from the Department of Financial Services, Division of Consumer Services'
Helpline at (800) 342-2762 or www.fldfs.com.

Dwelling Structure Coverage (Place of Residence)


Limit of Insurance: N/A Loss Settlement Basis: N/A

Other Structures Coverage (Detached from Dwelling)


Limit of Insurance: N/A Loss Settlement Basis: N/A

Personal Property Coverage


Limit of Insurance: $25,000 Loss Settlement Basis: Replacement Cost

Deductibles
Annual Hurricane: $500 All Perils (Other Than Hurricane): $500

OIR-B1-1670 (04/10) Page 1 of 5


Checklist of Coverage (continued)

The above Limit of Insurance, Deductibles, and Loss Settlement Basis apply to the following Perils Insured Against:
(Items below marked Y (Yes) indicate coverage IS included, those marked N (No) indicate coverage is NOT included)

Y Fire or Lightning
Y Hurricane (Coverage Excluded for Screened Enclosures and Carports - Read Your Policy for Additional Exclusions)
N Flood (Including storm surge)
Y Windstorm or Hail (other than hurricane)
Y Explosion
Y Riot or Civil Commotion
Y Aircraft
Y Vehicles
Y Smoke
Y Vandalism or Malicious Mischief
Y Theft
Y Falling Objects
Y Weight of Ice, Snow or Sleet
Y Accidental Discharge or Overflow of Water or Steam
Y Sudden and Accidental Tearing Apart, Cracking , Burning or Bulging
Y Freezing
Y Sudden and Accidental Damage from Artificially Generated Electrical Current
Y Volcanic Eruption

Y Catastrophic Ground Cover Collapse


N Sinkhole

Special limits and loss settlement exceptions may apply to certain items. Refer to your policy for details.

Loss of Use Coverage

Coverage Limit of Insurance Time Limit

(Items below marked Y (Yes) indicate coverage IS included, those marked N


(No) indicate coverage is NOT included)

Y Additional Living Expense $5,000 Shortest time to repair or


replace the damages.
N Fair Rental Value N/A N/A
Y Civil Authority Prohibits Use $5,000 No more than 2 weeks

OIR-B1-1670 (04/10) Page 2 of 5


Checklist of Coverage (continued)

Property - Additional/Other Coverages


Amount of insurance is an additional amount of coverage or
(Items below marked Y (Yes) indicate coverage IS is included within the policy limit.
included, those marked N (No) indicate coverage is NOT Limit of Insurance
included)
Included Additional

$25,000
Y Debris Removal Y Y - Up to
up to 30 Days
$26,250

$500 (If tree caused


Y Debris Removal - Trees damage to a Y N
covered structure)

Y Reasonable Repairs $25,000 Y N

$25,000
Y Property Removed Y N
up to 30 Days

Y Credit Card, Electronic Fund Transfer Card, or $500 N Y


Access Device, Forgery and Counterfeit Money

Y Loss Assessment $1,000 N Y

Y Collapse $25,000 Y N

Y Glass or Safety Glazing Material $25,000 Y N

N Landlord's Furnishings

Y Law and Ordinance N/A N Y

N Grave Markers

Y Mold / Fungi $10,000 Y N

OIR-B1-1670 (04/10) Page 3 of 5


Checklist of Coverage (continued)

Discounts
(Items below marked Y (Yes) indicate discount IS applied, those marked N Dollar ($) Amount of Discount
(No) indicate discount is NOT applied)
N Multiple Policy (Companion Policy) N/A
N Fire Alarm / Smoke Alarm / Burglar Alarm/ Sprinkler $0
(Protective Devices)
N Windstorm Loss Reduction (WLR) Credits $0
N Building Code Effectiveness Grading Schedule N/A
Y Secured Community/Building Credit $(44)
Y Financial Responsibility Credit $(50)
Y Senior/Retiree Discount $(20)
N Accredited Builder Discount N/A
Y Electronic Policy Distribution Discount $(2)
N Hardiplank Siding Discount N/A

Insurer May Insert Any Other Property Coverage Below


(Items below marked Y (Yes) indicate coverage IS Loss Settlement Basis:
included, those marked N (No) indicate coverage is NOT Limit of Insurance (i.e.: Replacement Cost, Actual Cash Value, Stated Value,
included) etc.)

Y Personal Property Replacement Cost Coverage $25,000 Replacement Cost

OIR-B1-1670 (04/10) Page 4 of 5


Checklist of Coverage (continued)

Personal Liability Coverage


Y Limit of Insurance: $300,000

Medical Payments to Others Coverage


Y Limit of Insurance: $5,000

Liability - Additional/Other Coverages


(Items below marked Y (Yes) indicate coverage IS Amount of insurance is an additional amount of coverage or
included, those marked N (No) indicate coverage is NOT Limit of Insurance is included within the policy limit.
included)
Included Additional

Y Claim Expenses N Y
Y First Aid Expenses N Y
Y Damage to Property of Others $500 N Y
Y Loss Assessment $1,000 N Y

Insurer May Insert Any Other Liability Coverage Below


(Items below marked Y (Yes) indicate coverage IS included, those marked N Limit of Insurance
(No) indicate coverage is NOT included)

OIR-B1-1670 (04/10) Page 5 of 5


.
Notice of Premium Discounts For Hurricane Loss Mitigation

*** Important Information ***


About Your Personal Residential Insurance Policy

Dear Homeowner,

Hurricanes have caused tens of billions of dollars in insured damages and predictions
of more catastrophic hurricanes making landfall in Florida have triggered increases in
insurance premiums to cover potential future losses. Enclosed is information regarding
wind loss mitigation that will make your home more resistant to wind and help protect
your family during a catastrophic event. In addition to reducing your hurricane wind
premium by installing mitigation features, you may also reduce the likelihood of out of
pocket expenses, such as your hurricane deductible, you may otherwise incur after a
catastrophic event.

What factors are considered in establishing my premium?

Your location: The closer a home is to the coast, the more vulnerable it is to damage
caused by hurricane winds. This makes your hurricane-wind premium higher than
similar homes in other areas of the state.

Your policy: Your insurance policy is divided into two premiums: one for damage
caused by hurricane force winds (hurricane-wind) and one for all other damage (all
perils), such as fire.

Your deductible: Under the law, you are allowed to choose a $500, 2%, 5% or 10%
deductible depending on the actual value of your home. The larger your deductible, the
lower your hurricane-wind premium. However, if you select a higher deductible your
out-of-pocket expenses in the event of a hurricane claim will be higher.

Improvements to your home: The state requires insurance companies to offer


discounts for protecting your home against damage caused by hurricane winds.
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 hurricane –wind premium. These discounts apply only to the
hurricane-wind portion of your policy.

The costs of the improvement projects vary. Homeowners should contact a licensed
contractor for an estimate. You can find a Certified Business Contractor in your area by
visiting the Florida Department of Business and Professional Regulation online at
www.myfloridalicense.com.

Your maximum discount: Discounts are not calculated cumulatively. The total discount
is not the sum of the individual discounts. Instead, when one discount is applied, other
discounts are reduced until you reach your maximum discount of 90%.

OIR-B1-1655 (Rev.02/10) Adopted by Rule 69O-170.0155


How can I take advantage of the discounts?

Homeowners will need a qualified inspector such as a general, building, or residential


contractor licensed under Section 489.111, Florida Statutes, or a professional engineer
licensed under Section 471.015, Florida Statutes, who has passed the appropriate
equivalency test of the Building Code training program as required by Section 553.841,
Florida Statutes, or a professional architect licensed under Section 481.213, Florida
Statutes, or a building code inspector certified under Section 468.607, to inspect the
home to identify potential mitigation measures and verify improvements. For a listing of
individuals and/or inspection companies meeting these qualifications contact your
insurance agent or insurance company.

The following is an example of how much you can reduce your insurance
premium if you have mitigating features on your home. The example is based on
your hurricane-wind premium* of $70.57 which is part of your total annual
premium of $400.00. Remember, the discounts shown only apply to the
hurricane-wind portion of the premium and the discounts for the construction
techniques and features listed above are not cumulative.

* Wind mitigation credits apply to that portion of your premium that covers
the peril of wind, whether or not a hurricane exists.

Homes built prior to the 2001 building code

Estimated* Annual
Description of Feature Estimated* Premium
Premium ($) is
Discount Percent
Reduced by:

Roof Covering (i.e., shingles or tiles)

• Meets the Florida Building Code. 11% $7.76

• Reinforced Concrete Roof Deck. 80% $56.46


(If this feature is installed on your home you
most likely will not qualify for any other
discount.)

How Your Roof is Attached

• Using a 2" nail spaced a 6" from the 0% $0.00


edge of the plywood and 12" in the
field of the plywood.

• Using a 2 1/2" nail spaced a 6" from 9% $6.35


the edge of the plywood and 12" in
the field of the plywood.

• Using a 2 1/2" nail spaced a 6" from 9% $6.35


the edge of the plywood and 6" in
the field of the plywood.

OIR-B1-1655 (Rev.02/10) Adopted by Rule 69O-170.0155


Roof-to-Wall Connection

• Using “Toe Nails” – defined as three nails 0% $0.00


are driven at an angle through the
rafter and into the top roof.

• Using Clips - defined as pieces of 35% $24.70


metal that are nailed into the side of
the rafter/truss and into the side of the
top plate or wall stud.

• Using Single Wraps – a single strap 35% $24.70


that is attached to the side and/or
bottom of the top plate and are nailed
to the rafter/truss.

• Using Double Wraps - straps are 35% $24.70


attached to the side and/or bottom of
the top plate and are nailed to the
rafter/truss.

Roof Shape
• Hip Roof – defined as your roof 28% $19.76
sloping down to meet all your outside
walls (like a pyramid).

• Other. 0% $0.00

Secondary Water Resistance (SWR)

• SWR - defined as a layer of protection between 0% $0.00


the shingles and the plywood underneath that
protects the building if the shingles blow off.

• No SWR. 0% $0.00

Shutters

• None. 0% $0.00

• Intermediate Type —shutters that are 29% $20.47


strong enough to meet half the old
Miami-Dade building code standards.

• Hurricane Protection Type -- shutters 39% $27.52


that are strong enough to meet the
current Miami-Dade building code
standards.

* Estimate is based on information currently on file and the actual amount may vary.

OIR-B1-1655 (Rev.02/10) Adopted by Rule 69O-170.0155


Homes built under the 2001 building code or later

Estimated* Premium Estimated* Annual


Description of Feature Premium ($) is
Discount Percent
Reduced by:

Homes built under the 2001 Florida Building Code or


later edition (also including the 1994 South Florida
Building Code for homes in Miami-Dade and Broward
Counties) are eligible for a minimum 68% discount on
the hurricane-wind portion of your premium. You may
be eligible for greater discount if other mitigation
features are installed on your home.

Shutters

• None.

• Intermediate Type —shutters that are


strong enough to meet half the old
Miami-Dade building code standards.

• Hurricane Protection Type -- shutters


that are strong enough to meet the
current Miami-Dade building code
standards.

Roof Shape

• Hip Roof – defined as your roof


sloping down to meet all your outside
walls (like a pyramid).

• Other.

* Estimate is based on information currently on file and the actual amount may vary.

Alternately and regardless of the year of construction if you meet the minimum fixtures
and construction requirements of the 2001 Florida Building Code you have the option to
reduce your hurricane-wind deductible from $500 to $500.

If you have further questions about the construction techniques and features or other
construction techniques and features that could result in a discount, please contact your
agent or the company at (800)531-8722.

OIR-B1-1655 (Rev.02/10) Adopted by Rule 69O-170.0155


HOMEOWNERS
HO 00 04 04 91

HOMEOWNERS 4
CONTENTS BROAD FORM

AGREEMENT

We will provide the insurance described in this policy in return for the premium and compliance with all applicable
provisions of this policy.

DEFINITIONS

In this policy, "you" and "your" refer to the "named b. The part of other premises, other structures
insured" shown in the Declarations and the spouse if and grounds used by you as a residence and:
a resident of the same household. "We," "us" and (1) Which is shown in the Declarations; or
"our" refer to the Company providing this insurance.
In addition, certain words and phrases are defined as (2) Which is acquired by you during the policy
follows: period for your use as a residence;
1. "Bodily injury" means bodily harm, sickness or c. Any premises used by you in connection with a
disease, including required care, loss of services premises in 4.a. and 4.b. above;
and death that results. d. Any part of a premises:
2. "Business" includes trade, profession or occupa- (1) Not owned by an "insured"; and
tion.
(2) Where an "insured" is temporarily residing;
3. "Insured" means you and residents of your house-
e. Vacant land, other than farm land, owned by or
hold who are:
rented to an "insured";
a. Your relatives; or
f. Land owned by or rented to an "insured" on
b. Other persons under the age of 21 and in the which a one or two family dwelling is being built
care of any person named above. as a residence for an "insured";
Under Section II, "insured" also means: g. Individual or family cemetery plots or burial
c. With respect to animals or watercraft to which vaults of an "insured"; or
this policy applies, any person or organization h. Any part of a premises occasionally rented to
legally responsible for these animals or water- an "insured" for other than "business" use.
craft which are owned by you or any person in-
5. "Occurrence" means an accident, including con-
cluded in 3.a. or 3.b. above. A person or or-
tinuous or repeated exposure to substantially the
ganization using or having custody of these
same general harmful conditions, which results,
animals or watercraft in the course of any
during the policy period, in:
"business" or without consent of the owner is
not an "insured"; a. "Bodily injury"; or
d. With respect to any vehicle to which this policy b. "Property damage."
applies: 6. "Property damage" means physical injury to, de-
(1) Persons while engaged in your employ or struction of, or loss of use of tangible property.
that of any person included in 3.a. or 3.b. 7. "Residence employee" means:
above; or
a. An employee of an "insured" whose duties are
(2) Other persons using the vehicle on an related to the maintenance or use of the "resi-
"insured location" with your consent. dence premises," including household or do-
4. "Insured location" means: mestic services; or
a. The "residence premises";

HO 00 04 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 1 of 15


b. One who performs similar duties elsewhere not where you reside and which is shown as the "resi-
related to the "business" of an "insured." dence premises" in the Declarations.
8. "Residence premises" means: "Residence premises" also means a two family
a. The one family dwelling, other structures, and dwelling where you reside in at least one of the
grounds; or family units and which is shown as the "residence
premises" in the Declarations.
b. That part of any other building;

SECTION I – PROPERTY COVERAGES

COVERAGE C – Personal Property 6. $2000 for loss by theft of firearms.


We cover personal property owned or used by an 7. $2500 for loss by theft of silverware, silver-plated
"insured" while it is anywhere in the world. At your ware, goldware, gold-plated ware and pewterware.
request, we will cover personal property owned by: This includes flatware, hollowware, tea sets, trays
1. Others while the property is on the part of the and trophies made of or including silver, gold or
"residence premises" occupied by an "insured"; pewter.
2. A guest or a "residence employee," while the 8. $2500 on property, on the "residence premises,"
property is in any residence occupied by an "in- used at any time or in any manner for any "busi-
sured." ness" purpose.
Our limit of liability for personal property usually lo- 9. $250 on property, away from the "residence prem-
cated at an "insured's" residence, other than the "resi- ises," used at any time or in any manner for any
dence premises," is 10% of the limit of liability for "business" purpose. However, this limit does not
Coverage C, or $1000, whichever is greater. Personal apply to loss to adaptable electronic apparatus as
property in a newly acquired principal residence is not described in Special Limits 10. and 11. below.
subject to this limitation for the 30 days from the time 10. $1000 for loss to electronic apparatus, while in or
you begin to move the property there. upon a motor vehicle or other motorized land con-
Special Limits of Liability. These limits do not in- veyance, if the electronic apparatus is equipped to
crease the Coverage C limit of liability. The special be operated by power from the electrical system of
limit for each numbered category below is the total the vehicle or conveyance while retaining its ca-
limit for each loss for all property in that category. pability of being operated by other sources of
power. Electronic apparatus includes:
1. $200 on money, bank notes, bullion, gold other
than goldware, silver other than silverware, plati- a. Accessories or antennas; or
num, coins and medals. b. Tapes, wires, records, discs or other media;
2. $1000 on securities, accounts, deeds, evidences for use with any electronic apparatus.
of debt, letters of credit, notes other than bank 11. $1000 for loss to electronic apparatus, while not in
notes, manuscripts, personal records, passports, or upon a motor vehicle or other motorized land
tickets and stamps. This dollar limit applies to conveyance, if the electronic apparatus:
these categories regardless of the medium (such
as paper or computer software) on which the ma- a. Is equipped to be operated by power from the
terial exists. electrical system of the vehicle or conveyance
while retaining its capability of being operated
This limit includes the cost to research, replace or by other sources of power;
restore the information from the lost or damaged
material. b. Is away from the "residence premises"; and
3. $1000 on watercraft, including their trailers, fur- c. Is used at any time or in any manner for any
nishings, equipment and outboard engines or mo- "business" purpose.
tors. Electronic apparatus includes:
4. $1000 on trailers not used with watercraft. a. Accessories or antennas; or
5. $1000 for loss by theft of jewelry, watches, furs,
precious and semi-precious stones.

Page 2 of 15 Copyright, Insurance Services Office, Inc., 1990 HO 00 04 04 91


b. Tapes, wires, records, discs or other media; COVERAGE D – Loss Of Use
for use with any electronic apparatus. The limit of liability for Coverage D is the total limit for
Property Not Covered. We do not cover: all the coverages that follow.
1. Articles separately described and specifically 1. If a loss by a Peril Insured Against under this pol-
insured in this or other insurance; icy to covered property or the building containing
the property makes the "residence premises" not
2. Animals, birds or fish; fit to live in, we cover, at your choice, either of the
3. Motor vehicles or all other motorized land convey- following. However, if the "residence premises" is
ances. This includes: not your principal place of residence, we will not
provide the option under paragraph b. below.
a. Their equipment and accessories; or
a. Additional Living Expense, meaning any
b. Electronic apparatus that is designed to be
necessary increase in living expenses incurred
operated solely by use of the power from the
by you so that your household can maintain its
electrical system of motor vehicles or all other
normal standard of living; or
motorized land conveyances. Electronic appa-
ratus includes: b. Fair Rental Value, meaning the fair rental
value of that part of the "residence premises"
(1) Accessories or antennas; or
where you reside less any expenses that do
(2) Tapes, wires, records, discs or other media; not continue while the premises is not fit to live
for use with any electronic apparatus. in.
The exclusion of property described in 3.a. and Payment under a. or b. will be for the shortest time
3.b. above applies only while the property is in required to repair or replace the damage or, if you
or upon the vehicle or conveyance. permanently relocate, the shortest time required
for your household to settle elsewhere.
We do cover vehicles or conveyances not subject
to motor vehicle registration which are: 2. If a loss covered under this Section makes that
part of the "residence premises" rented to others
a. Used to service an "insured's" residence; or or held for rental by you not fit to live in, we cover
b. Designed for assisting the handicapped; the:
4. Aircraft and parts. Aircraft means any contrivance Fair Rental Value, meaning the fair rental
used or designed for flight, except model or hobby value of that part of the "residence premises"
aircraft not used or designed to carry people or rented to others or held for rental by you less
cargo; any expenses that do not continue while the
5. Property of roomers, boarders and other tenants, premises is not fit to live in.
except property of roomers and boarders related Payment will be for the shortest time required to
to an "insured"; repair or replace that part of the premises rented
6. Property in an apartment regularly rented or held or held for rental.
for rental to others by an "insured"; 3. If a civil authority prohibits you from use of the
7. Property rented or held for rental to others off the "residence premises" as a result of direct damage
"residence premises"; to neighboring premises by a Peril Insured Against
in this policy, we cover the Additional Living Ex-
8. "Business" data, including such data stored in: pense and Fair Rental Value loss as provided un-
a. Books of account, drawings or other paper der 1. and 2. above for no more than two weeks.
records; or The periods of time under 1., 2. and 3. above are not
b. Electronic data processing tapes, wires, re- limited by expiration of this policy.
cords, discs or other software media. We do not cover loss or expense due to cancellation
However, we do cover the cost of blank recording of a lease or agreement.
or storage media, and of pre-recorded computer
programs available on the retail market; or
9. Credit cards or fund transfer cards except as pro-
vided in Additional Coverages 6.

HO 00 04 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 3 of 15


ADDITIONAL COVERAGES We will pay up to 10% of the limit of liability that
1. Debris Removal. We will pay your reasonable applies to Coverage C for all trees, shrubs, plants
expense for the removal of: or lawns. No more than $500 of this limit will be
available for any one tree, shrub or plant. We do
a. Debris of covered property if a Peril Insured not cover property grown for "business" purposes.
Against that applies to the damaged property
causes the loss; or This coverage is additional insurance.
b. Ash, dust or particles from a volcanic eruption 4. Fire Department Service Charge. We will pay up
that has caused direct loss to a building or to $500 for your liability assumed by contract or
property contained in a building. agreement for fire department charges incurred
when the fire department is called to save or pro-
This expense is included in the limit of liability that tect covered property from a Peril Insured Against.
applies to the damaged property. If the amount to We do not cover fire department service charges if
be paid for the actual damage to the property plus the property is located within the limits of the city,
the debris removal expense is more than the limit municipality or protection district furnishing the fire
of liability for the damaged property, an additional department response.
5% of that limit of liability is available for debris
removal expense. This coverage is additional insurance. No deducti-
ble applies to this coverage.
We will also pay your reasonable expense, up to
$500, for the removal from the "residence prem- 5. Property Removed. We insure covered property
ises" of: against direct loss from any cause while being re-
moved from a premises endangered by a Peril In-
a. Your tree(s) felled by the peril of Windstorm or sured Against and for no more than 30 days while
Hail; removed. This coverage does not change the limit
b. Your tree(s) felled by the peril of Weight of Ice, of liability that applies to the property being re-
Snow or Sleet; or moved.
c. A neighbor's tree(s) felled by a Peril Insured 6. Credit Card, Fund Transfer Card, Forgery and
Against under Coverage C; Counterfeit Money.
provided the tree(s) damages a covered structure. We will pay up to $500 for:
The $500 limit is the most we will pay in any one a. The legal obligation of an "insured" to pay
loss regardless of the number of fallen trees. because of the theft or unauthorized use of
2. Reasonable Repairs. In the event that covered credit cards issued to or registered in an "in-
property is damaged by an applicable Peril In- sured's" name;
sured Against, we will pay the reasonable cost in- b. Loss resulting from theft or unauthorized use of
curred by you for necessary measures taken a fund transfer card used for deposit, with-
solely to protect against further damage. If the drawal or transfer of funds, issued to or regis-
measures taken involve repair to other damaged tered in an "insured's" name;
property, we will pay for those measures only if
that property is covered under this policy and the c. Loss to an "insured" caused by forgery or al-
damage to that property is caused by an applica- teration of any check or negotiable instrument;
ble Peril Insured Against. and
This coverage: d. Loss to an "insured" through acceptance in
good faith of counterfeit United States or Ca-
a. Does not increase the limit of liability that ap- nadian paper currency.
plies to the covered property;
We do not cover use of a credit card or fund trans-
b. Does not relieve you of your duties, in case of fer card:
a loss to covered property, as set forth in SEC-
TION I – CONDITION 2.d. a. By a resident of your household;
3. Trees, Shrubs and Other Plants. We cover b. By a person who has been entrusted with
trees, shrubs, plants or lawns, on the "residence either type of card; or
premises," for loss caused by the following Perils c. If an "insured" has not complied with all terms
Insured Against: Fire or lightning, Explosion, Riot and conditions under which the cards are is-
or civil commotion, Aircraft, Vehicles not owned or sued.
operated by a resident of the "residence prem-
ises," Vandalism or malicious mischief or Theft.

Page 4 of 15 Copyright, Insurance Services Office, Inc., 1990 HO 00 04 04 91


All loss resulting from a series of acts committed b. Hidden decay;
by any one person or in which any one person is c. Hidden insect or vermin damage;
concerned or implicated is considered to be one
loss. d. Weight of contents, equipment, animals or
people;
We do not cover loss arising out of "business" use
or dishonesty of an "insured." e. Weight of rain which collects on a roof; or
This coverage is additional insurance. No deducti- f. Use of defective material or methods in con-
ble applies to this coverage. struction, remodeling or renovation if the col-
lapse occurs during the course of the construc-
Defense: tion, remodeling or renovation.
a. We may investigate and settle any claim or suit Loss to an awning, fence, patio, pavement, swim-
that we decide is appropriate. Our duty to de- ming pool, underground pipe, flue, drain, cess-
fend a claim or suit ends when the amount we pool, septic tank, foundation, retaining wall, bulk-
pay for the loss equals our limit of liability. head, pier, wharf or dock is not included under
b. If a suit is brought against an "insured" for items b., c., d., e., and f. unless the loss is a direct
liability under the Credit Card or Fund Transfer result of the collapse of a building.
Card coverage, we will provide a defense at Collapse does not include settling, cracking,
our expense by counsel of our choice. shrinking, bulging or expansion.
c. We have the option to defend at our expense This coverage does not increase the limit of liabil-
an "insured" or an "insured's" bank against any ity applying to the damaged covered property.
suit for the enforcement of payment under the
Forgery coverage. 9. Glass or Safety Glazing Material.
7. Loss Assessment. We will pay up to $1000 for We cover:
your share of loss assessment charged during the a. The breakage of glass or safety glazing mate-
policy period against you by a corporation or as- rial which is part of a building, storm door or
sociation of property owners, when the assess- storm window, and covered as Building Addi-
ment is made as a result of direct loss to the prop- tions and Alterations; and
erty, owned by all members collectively, caused by
b. Damage to covered property by glass or safety
a Peril Insured Against under COVERAGE C –
glazing material which is part of a building,
PERSONAL PROPERTY, other than earthquake
storm door or storm window.
or land shock waves or tremors before, during or
after a volcanic eruption. This coverage does not include loss on the "resi-
dence premises" if the dwelling has been vacant
This coverage applies only to loss assessments
for more than 30 consecutive days immediately
charged against you as owner or tenant of the
before the loss.
"residence premises."
Loss for damage to glass will be settled on the ba-
We do not cover loss assessments charged
sis of replacement with safety glazing materials
against you or a corporation or association of
when required by ordinance or law.
property owners by any governmental body.
This coverage does not increase the limit of liabil-
The limit of $1000 is the most we will pay with re-
ity that applies to the damaged property.
spect to any one loss, regardless of the number of
assessments. 10. Building Additions and Alterations. We cover
under Coverage C the building improvements or
Condition 1. Policy Period, under SECTIONS I
installations, made or acquired at your expense, to
AND II – CONDITIONS, does not apply to this
that part of the "residence premises" used exclu-
coverage.
sively by you. The limit of liability for this coverage
8. Collapse. We insure for direct physical loss to will not be more than 10% of the limit of liability
covered property involving collapse of a building or that applies to Coverage C.
any part of a building caused only by one or more
This coverage is additional insurance.
of the following:
a. Perils Insured Against in COVERAGE C –
PERSONAL PROPERTY. These perils apply
to covered buildings and personal property for
loss insured by this additional coverage;

HO 00 04 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 5 of 15


SECTION I – PERILS INSURED AGAINST

We insure for direct physical loss to the property a. Property while at any other residence owned
described in Coverage C caused by a peril listed by, rented to, or occupied by an "insured," ex-
below unless the loss is excluded in SECTION I – cept while an "insured" is temporarily living
EXCLUSIONS. there. Property of a student who is an "insured"
1. Fire or lightning. is covered while at a residence away from
home if the student has been there at any time
2. Windstorm or hail. during the 45 days immediately before the loss;
This peril does not include loss to the property b. Watercraft, and their furnishings, equipment
contained in a building caused by rain, snow, and outboard engines or motors; or
sleet, sand or dust unless the direct force of wind
or hail damages the building causing an opening c. Trailers and campers.
in a roof or wall and the rain, snow, sleet, sand or 10. Falling objects.
dust enters through this opening. This peril does not include loss to the property
This peril includes loss to watercraft and their contained in the building unless the roof or an out-
trailers, furnishings, equipment, and outboard en- side wall of the building is first damaged by a fal-
gines or motors, only while inside a fully enclosed ling object. Damage to the falling object itself is not
building. included.
3. Explosion. 11. Weight of ice, snow or sleet which causes dam-
4. Riot or civil commotion. age to the property contained in the building.
5. Aircraft, including self-propelled missiles and 12. Accidental discharge or overflow of water or
spacecraft. steam from within a plumbing, heating, air condi-
tioning or automatic fire protective sprinkler sys-
6. Vehicles. tem or from within a household appliance.
7. Smoke, meaning sudden and accidental damage This peril does not include loss:
from smoke.
a. To the system or appliance from which the
This peril does not include loss caused by smoke water or steam escaped;
from agricultural smudging or industrial opera-
tions. b. Caused by or resulting from freezing except as
provided in the peril of freezing below; or
8. Vandalism or malicious mischief.
c. On the "residence premises" caused by acci-
This peril does not include loss to property on the dental discharge or overflow which occurs
"residence premises" if the dwelling has been va- away from the building where the "residence
cant for more than 30 consecutive days immedi- premises" is located.
ately before the loss. A dwelling being constructed
is not considered vacant. In this peril, a plumbing system does not include a
sump, sump pump or related equipment.
9. Theft, including attempted theft and loss of prop-
erty from a known place when it is likely that the 13. Sudden and accidental tearing apart, cracking,
property has been stolen. burning or bulging of a steam or hot water heat-
ing system, an air conditioning or automatic fire
This peril does not include loss caused by theft: protective sprinkler system, or an appliance for
a. Committed by an "insured"; heating water.
b. In or to a dwelling under construction, or of This peril does not include loss caused by or re-
materials and supplies for use in the construc- sulting from freezing except as provided in the
tion until the dwelling is finished and occupied; peril of freezing below.
or 14. Freezing of a plumbing, heating, air conditioning
c. From that part of a "residence premises" or automatic fire protective sprinkler system or of a
rented by an "insured" to other than an "in- household appliance.
sured."
This peril does not include loss caused by theft
that occurs off the "residence premises" of:

Page 6 of 15 Copyright, Insurance Services Office, Inc., 1990 HO 00 04 04 91


This peril does not include loss on the "residence 15. Sudden and accidental damage from artificially
premises" while unoccupied, unless you have generated electrical current.
used reasonable care to: This peril does not include loss to a tube, transis-
a. Maintain heat in the building; or tor or similar electronic component.
b. Shut off the water supply and drain the system 16. Volcanic eruption other than loss caused by
and appliances of water. earthquake, land shock waves or tremors.

SECTION I – EXCLUSIONS

We do not insure for loss caused directly or indirectly Direct loss by fire, explosion or theft resulting from
by any of the following. Such loss is excluded regard- water damage is covered.
less of any other cause or event contributing concur- 4. Power Failure, meaning the failure of power or
rently or in any sequence to the loss. other utility service if the failure takes place off the
1. Ordinance or Law, meaning enforcement of any "residence premises." But, if a Peril Insured
ordinance or law regulating the construction, re- Against ensues on the "residence premises," we
pair, or demolition of a building or other structure, will pay only for that ensuing loss.
unless specifically provided under this policy.
5. Neglect, meaning neglect of the "insured" to use
2. Earth Movement, meaning earthquake including all reasonable means to save and preserve prop-
land shock waves or tremors before, during or af- erty at and after the time of a loss.
ter a volcanic eruption; landslide; mine subsi-
dence; mudflow; earth sinking, rising or shifting; 6. War, including the following and any consequence
unless direct loss by: of any of the following:
a. Fire; a. Undeclared war, civil war, insurrection, rebel-
b. Explosion; or lion or revolution;
c. Breakage of glass or safety glazing material b. Warlike act by a military force or military per-
which is part of a building, storm door or storm sonnel; or
window; c. Destruction, seizure or use for a military pur-
ensues and then we will pay only for the ensuing pose.
loss. Discharge of a nuclear weapon will be deemed a
This exclusion does not apply to loss by theft. warlike act even if accidental.
3. Water Damage, meaning: 7. Nuclear Hazard, to the extent set forth in the
a. Flood, surface water, waves, tidal water, over- Nuclear Hazard Clause of SECTION I – CONDI-
flow of a body of water, or spray from any of TIONS.
these, whether or not driven by wind;
8. Intentional Loss, meaning any loss arising out of
b. Water which backs up through sewers or any act committed:
drains or which overflows from a sump; or
a. By or at the direction of an "insured"; and
c. Water below the surface of the ground, includ-
b. With the intent to cause a loss.
ing water which exerts pressure on or seeps or
leaks through a building, sidewalk, driveway,
foundation, swimming pool or other structure.

SECTION I – CONDITIONS

1. Insurable Interest and Limit of Liability. Even if b. For more than the applicable limit of liability.
more than one person has an insurable interest in 2. Your Duties After Loss. In case of a loss to cov-
the property covered, we will not be liable in any ered property, you must see that the following are
one loss: done:
a. To the "insured" for more than the amount of a. Give prompt notice to us or our agent;
the "insured's" interest at the time of loss; or
b. Notify the police in case of loss by theft;

HO 00 04 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 7 of 15


c. Notify the credit card or fund transfer card 4. Loss to a Pair or Set. In case of loss to a pair or
company in case of loss under Credit Card or set we may elect to:
Fund Transfer Card coverage; a. Repair or replace any part to restore the pair or
d. Protect the property from further damage. If set to its value before the loss; or
repairs to the property are required, you must: b. Pay the difference between actual cash value
(1) Make reasonable and necessary repairs to of the property before and after the loss.
protect the property; and 5. Glass Replacement. Loss for damage to glass
(2) Keep an accurate record of repair ex- caused by a Peril Insured Against will be settled
penses; on the basis of replacement with safety glazing
e. Prepare an inventory of damaged personal materials when required by ordinance or law.
property showing the quantity, description, ac- 6. Appraisal. If you and we fail to agree on the
tual cash value and amount of loss. Attach all amount of loss, either may demand an appraisal of
bills, receipts and related documents that jus- the loss. In this event, each party will choose a
tify the figures in the inventory; competent appraiser within 20 days after receiving
f. As often as we reasonably require: a written request from the other. The two apprais-
ers will choose an umpire. If they cannot agree
(1) Show the damaged property; upon an umpire within 15 days, you or we may re-
(2) Provide us with records and documents we quest that the choice be made by a judge of a
request and permit us to make copies; and court of record in the state where the "residence
premises" is located. The appraisers will sepa-
(3) Submit to examination under oath, while not
rately set the amount of loss. If the appraisers
in the presence of any other "insured," and
submit a written report of an agreement to us, the
sign the same;
amount agreed upon will be the amount of loss. If
g. Send to us, within 60 days after our request, they fail to agree, they will submit their differences
your signed, sworn proof of loss which sets to the umpire. A decision agreed to by any two will
forth, to the best of your knowledge and belief: set the amount of loss.
(1) The time and cause of loss; Each party will:
(2) The interest of the "insured" and all others a. Pay its own appraiser; and
in the property involved and all liens on the
b. Bear the other expenses of the appraisal and
property;
umpire equally.
(3) Other insurance which may cover the loss;
7. Other Insurance. If a loss covered by this policy
(4) Changes in title or occupancy of the prop- is also covered by other insurance, we will pay
erty during the term of the policy; only the proportion of the loss that the limit of li-
(5) Specifications of damaged buildings and ability that applies under this policy bears to the to-
detailed repair estimates; tal amount of insurance covering the loss.
(6) The inventory of damaged personal prop- 8. Suit Against Us. No action can be brought unless
erty described in 2.e. above; the policy provisions have been complied with and
the action is started within one year after the date
(7) Receipts for additional living expenses of loss.
incurred and records that support the fair
rental value loss; and 9. Our Option. If we give you written notice within 30
days after we receive your signed, sworn proof of
(8) Evidence or affidavit that supports a claim loss, we may repair or replace any part of the
under the Credit Card, Fund Transfer Card, damaged property with like property.
Forgery and Counterfeit Money coverage,
stating the amount and cause of loss. 10. Loss Payment. We will adjust all losses with you.
We will pay you unless some other person is
3. Loss Settlement. Covered property losses are named in the policy or is legally entitled to receive
settled at actual cash value at the time of loss but payment. Loss will be payable 60 days after we
not more than the amount required to repair or re- receive your proof of loss and:
place.
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.

Page 8 of 15 Copyright, Insurance Services Office, Inc., 1990 HO 00 04 04 91


11. Abandonment of Property. We need not accept c. This policy does not apply under Section I to
any property abandoned by an "insured." loss caused directly or indirectly by nuclear
12. No Benefit to Bailee. We will not recognize any hazard, except that direct loss by fire resulting
assignment or grant any coverage that benefits a from the nuclear hazard is covered.
person or organization holding, storing or moving 14. Recovered Property. If you or we recover any
property for a fee regardless of any other provision property for which we have made payment under
of this policy. this policy, you or we will notify the other of the re-
13. Nuclear Hazard Clause. covery. At your option, the property will be re-
turned to or retained by you or it will become our
a. "Nuclear Hazard" means any nuclear reaction, property. If the recovered property is returned to or
radiation, or radioactive contamination, all retained by you, the loss payment will be adjusted
whether controlled or uncontrolled or however based on the amount you received for the recov-
caused, or any consequence of any of these. ered property.
b. Loss caused by the nuclear hazard will not be 15. Volcanic Eruption Period. One or more volcanic
considered loss caused by fire, explosion, or eruptions that occur within a 72-hour period will be
smoke, whether these perils are specifically considered as one volcanic eruption.
named in or otherwise included within the Per-
ils Insured Against in Section I.

SECTION II – LIABILITY COVERAGES

COVERAGE E – Personal Liability injury." Medical expenses means reasonable charges


If a claim is made or a suit is brought against an "in- for medical, surgical, x-ray, dental, ambulance, hospi-
sured" for damages because of "bodily injury" or tal, professional nursing, prosthetic devices and fu-
"property damage" caused by an "occurrence" to neral services. This coverage does not apply to you
which this coverage applies, we will: or regular residents of your household except "resi-
dence employees." As to others, this coverage ap-
1. Pay up to our limit of liability for the damages for plies only:
which the "insured" is legally liable. Damages in-
clude prejudgment interest awarded against the 1. To a person on the "insured location" with the
"insured"; and permission of an "insured"; or
2. Provide a defense at our expense by counsel of 2. To a person off the "insured location," if the "bodily
our choice, even if the suit is groundless, false or injury":
fraudulent. We may investigate and settle any a. Arises out of a condition on the "insured loca-
claim or suit that we decide is appropriate. Our tion" or the ways immediately adjoining;
duty to settle or defend ends when the amount we b. Is caused by the activities of an "insured";
pay for damages resulting from the "occurrence"
equals our limit of liability. c. Is caused by a "residence employee" in the
course of the "residence employee's" employ-
COVERAGE F – Medical Payments To Others ment by an "insured"; or
We will pay the necessary medical expenses that are d. Is caused by an animal owned by or in the care
incurred or medically ascertained within three of an "insured."
years from the date of an accident causing "bodily

SECTION II – EXCLUSIONS

1. Coverage E – Personal Liability and Coverage b. Arising out of or in connection with a "busi-
F – Medical Payments to Others do not apply to ness" engaged in by an "insured." This exclu-
"bodily injury" or "property damage": sion applies but is not limited to an act or omis-
a. Which is expected or intended by the "insured"; sion, regardless of its nature or circumstance,
involving a service or duty rendered, promised,
owed, or implied to be provided because of the
nature of the "business";

HO 00 04 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 9 of 15


c. Arising out of the rental or holding for rental of g. Arising out of:
any part of any premises by an "insured." This (1) The ownership, maintenance, use, loading
exclusion does not apply to the rental or hold- or unloading of an excluded watercraft de-
ing for rental of an "insured location": scribed below;
(1) On an occasional basis if used only as a (2) The entrustment by an "insured" of an ex-
residence; cluded watercraft described below to any
(2) In part for use only as a residence, unless a person; or
single family unit is intended for use by the (3) Vicarious liability, whether or not statutorily
occupying family to lodge more than two imposed, for the actions of a child or minor
roomers or boarders; or using an excluded watercraft described be-
(3) In part, as an office, school, studio or pri- low.
vate garage; Excluded watercraft are those that are princi-
d. Arising out of the rendering of or failure to pally designed to be propelled by engine power
render professional services; or electric motor, or are sailing vessels,
e. Arising out of a premises: whether owned by or rented to an "insured."
This exclusion does not apply to watercraft:
(1) Owned by an "insured";
(1) That are not sailing vessels and are pow-
(2) Rented to an "insured"; or ered by:
(3) Rented to others by an "insured"; (a) Inboard or inboard-outdrive engine or
that is not an "insured location"; motor power of 50 horsepower or less
not owned by an "insured";
f. Arising out of:
(b) Inboard or inboard-outdrive engine or
(1) The ownership, maintenance, use, loading
motor power of more than 50 horse-
or unloading of motor vehicles or all other
power not owned by or rented to an "in-
motorized land conveyances, including
sured";
trailers, owned or operated by or rented or
loaned to an "insured"; (c) One or more outboard engines or mo-
tors with 25 total horsepower or less;
(2) The entrustment by an "insured" of a motor
vehicle or any other motorized land con- (d) One or more outboard engines or mo-
veyance to any person; or tors with more than 25 total horsepower
if the outboard engine or motor is not
(3) Vicarious liability, whether or not statutorily
owned by an "insured";
imposed, for the actions of a child or minor
using a conveyance excluded in paragraph (e) Outboard engines or motors of more
(1) or (2) above. than 25 total horsepower owned by an
"insured" if:
This exclusion does not apply to:
(i) You acquire them prior to the policy
(1) A trailer not towed by or carried on a motor-
period; and:
ized land conveyance.
(a) You declare them at policy incep-
(2) A motorized land conveyance designed for
tion; or
recreational use off public roads, not sub-
ject to motor vehicle registration and: (b) Your intention to insure is re-
ported to us in writing within 45
(a) Not owned by an "insured"; or
days after you acquire the out-
(b) Owned by an "insured" and on an "in- board engines or motors.
sured location";
(ii) You acquire them during the policy
(3) A motorized golf cart when used to play golf period.
on a golf course;
This coverage applies for the policy pe-
(4) A vehicle or conveyance not subject to riod.
motor vehicle registration which is:
(2) That are sailing vessels, with or without
(a) Used to service an "insured's" resi- auxiliary power:
dence;
(a) Less than 26 feet in overall length;
(b) Designed for assisting the handicapped;
or
(c) In dead storage on an "insured loca-
tion";

Page 10 of 15 Copyright, Insurance Services Office, Inc., 1990 HO 00 04 04 91


(b) 26 feet or more in overall length, not (2) Under any contract or agreement. However,
owned by or rented to an "insured." this exclusion does not apply to written con-
(3) That are stored; tracts:
h. Arising out of: (a) That directly relate to the ownership,
maintenance or use of an "insured loca-
(1) The ownership, maintenance, use, loading tion"; or
or unloading of an aircraft;
(b) Where the liability of others is assumed
(2) The entrustment by an "insured" of an air- by the "insured" prior to an "occur-
craft to any person; or rence";
(3) Vicarious liability, whether or not statutorily unless excluded in (1) above or elsewhere
imposed, for the actions of a child or minor in this policy;
using an aircraft.
b. "Property damage" to property owned by the
An aircraft means any contrivance used or de- "insured";
signed for flight, except model or hobby aircraft
not used or designed to carry people or cargo; c. "Property damage" to property rented to, occu-
pied or used by or in the care of the "insured."
i. Caused directly or indirectly by war, including This exclusion does not apply to "property
the following and any consequence of any of damage" caused by fire, smoke or explosion;
the following:
d. "Bodily injury" to any person eligible to receive
(1) Undeclared war, civil war, insurrection, any benefits:
rebellion or revolution;
(1) Voluntarily provided; or
(2) Warlike act by a military force or military
personnel; or (2) Required to be provided;
(3) Destruction, seizure or use for a military by the "insured" under any:
purpose. (1) Workers' compensation law;
Discharge of a nuclear weapon will be deemed (2) Non-occupational disability law; or
a warlike act even if accidental; (3) Occupational disease law;
j. Which arises out of the transmission of a e. "Bodily injury" or "property damage" for which
communicable disease by an "insured"; an "insured" under this policy:
k. Arising out of sexual molestation, corporal (1) Is also an insured under a nuclear energy
punishment or physical or mental abuse; or liability policy; or
l. Arising out of the use, sale, manufacture, de- (2) Would be an insured under that policy but
livery, transfer or possession by any person of for the exhaustion of its limit of liability.
a Controlled Substance(s) as defined by the
Federal Food and Drug Law at 21 U.S.C.A. A nuclear energy liability policy is one issued
Sections 811 and 812. Controlled Substances by:
include but are not limited to cocaine, LSD, (1) American Nuclear Insurers;
marijuana and all narcotic drugs. However,
(2) Mutual Atomic Energy Liability Underwrit-
this exclusion does not apply to the legitimate
ers;
use of prescription drugs by a person following
the orders of a licensed physician. (3) Nuclear Insurance Association of Canada;
Exclusions e., f., g., and h. do not apply to "bodily or any of their successors; or
injury" to a "residence employee" arising out of f. "Bodily injury" to you or an "insured" within the
and in the course of the "residence employee's" meaning of part a. or b. of "insured" as defined.
employment by an "insured."
3. Coverage F – Medical Payments to Others,
2. Coverage E – Personal Liability, does not apply does not apply to "bodily injury":
to:
a. To a "residence employee" if the "bodily injury":
a. Liability:
(1) Occurs off the "insured location"; and
(1) For any loss assessment charged against
you as a member of an association, corpo-
ration or community of property owners;

HO 00 04 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 11 of 15


(2) Does not arise out of or in the course of the c. From any:
"residence employee's" employment by an (1) Nuclear reaction;
"insured";
(2) Nuclear radiation; or
b. To any person eligible to receive benefits:
(3) Radioactive contamination;
(1) Voluntarily provided; or
all whether controlled or uncontrolled or how-
(2) Required to be provided; ever caused; or
under any: (4) Any consequence of any of these; or
(1) Workers' compensation law; d. To any person, other than a "residence em-
(2) Non-occupational disability law; or ployee" of an "insured," regularly residing on
(3) Occupational disease law; any part of the "insured location."

SECTION II – ADDITIONAL COVERAGES

We cover the following in addition to the limits of e. Arising out of:


liability: (1) A "business" engaged in by an "insured";
1. Claim Expenses. We pay: (2) Any act or omission in connection with a
a. Expenses we incur and costs taxed against an premises owned, rented or controlled by an
"insured" in any suit we defend; "insured," other than the "insured location";
b. Premiums on bonds required in a suit we de- or
fend, but not for bond amounts more than the (3) The ownership, maintenance, or use of
limit of liability for Coverage E. We need not aircraft, watercraft or motor vehicles or all
apply for or furnish any bond; other motorized land conveyances.
c. Reasonable expenses incurred by an "insured" This exclusion does not apply to a motor-
at our request, including actual loss of earnings ized land conveyance designed for recrea-
(but not loss of other income) up to $50 per tional use off public roads, not subject to
day, for assisting us in the investigation or de- motor vehicle registration and not owned by
fense of a claim or suit; and an "insured."
d. Interest on the entire judgment which accrues 4. Loss Assessment. We will pay up to $1000 for
after entry of the judgment and before we pay your share of loss assessment charged during the
or tender, or deposit in court that part of the policy period against you by a corporation or as-
judgment which does not exceed the limit of li- sociation of property owners, when the assess-
ability that applies. ment is made as a result of:
2. First Aid Expenses. We will pay expenses for a. "Bodily injury" or "property damage" not ex-
first aid to others incurred by an "insured" for "bod- cluded under Section II of this policy; or
ily injury" covered under this policy. We will not b. Liability for an act of a director, officer or trus-
pay for first aid to you or any other "insured." tee in the capacity as a director, officer or trus-
3. Damage to Property of Others. We will pay, at tee, provided:
replacement cost, up to $500 per "occurrence" for (1) The director, officer or trustee is elected by
"property damage" to property of others caused by the members of a corporation or associa-
an "insured." tion of property owners; and
We will not pay for "property damage": (2) The director, officer or trustee serves with-
a. To the extent of any amount recoverable under out deriving any income from the exercise
Section I of this policy; of duties which are solely on behalf of a
b. Caused intentionally by an "insured" who is 13 corporation or association of property own-
years of age or older; ers.
c. To property owned by an "insured"; This coverage applies only to loss assessments
charged against you as owner or tenant of the
d. To property owned by or rented to a tenant of "residence premises."
an "insured" or a resident in your household; or

Page 12 of 15 Copyright, Insurance Services Office, Inc., 1990 HO 00 04 04 91


We do not cover loss assessments charged b. A covered act of a director, officer or trustee.
against you or a corporation or association of An act involving more than one director, officer
property owners by any governmental body. or trustee is considered to be a single act.
Regardless of the number of assessments, the The following do not apply to this coverage:
limit of $1000 is the most we will pay for loss aris- 1. Section II – Coverage E – Personal Liability
ing out of: Exclusion 2.a.(1);
a. One accident, including continuous or repeated 2. Condition 1. Policy Period, under SECTIONS I
exposure to substantially the same general AND II – CONDITIONS.
harmful condition; or

SECTION II – CONDITIONS

1. Limit of Liability. Our total liability under Cover- (2) To enforce any right of contribution or in-
age E for all damages resulting from any one "oc- demnity against any person or organization
currence" will not be more than the limit of liability who may be liable to an "insured";
for Coverage E as shown in the Declarations. This (3) With the conduct of suits and attend hear-
limit is the same regardless of the number of "in- ings and trials; and
sureds," claims made or persons injured. All "bod-
ily injury" and "property damage" resulting from (4) To secure and give evidence and obtain the
any one accident or from continuous or repeated attendance of witnesses;
exposure to substantially the same general harm- d. Under the coverage – Damage to Property of
ful conditions shall be considered to be the result Others – submit to us within 60 days after the
of one "occurrence." loss, a sworn statement of loss and show the
Our total liability under Coverage F for all medical damaged property, if in the "insured's" control;
expense payable for "bodily injury" to one person e. The "insured" will not, except at the "insured's"
as the result of one accident will not be more than own cost, voluntarily make payment, assume
the limit of liability for Coverage F as shown in the obligation or incur expense other than for first
Declarations. aid to others at the time of the "bodily injury."
2. Severability of Insurance. This insurance applies
4. Duties of an Injured Person – Coverage F –
separately to each "insured." This condition will
Medical Payments to Others.
not increase our limit of liability for any one "occur-
rence." The injured person or someone acting for the in-
jured person will:
3. Duties After Loss. In case of an accident or "oc-
currence," the "insured" will perform the following a. Give us written proof of claim, under oath if
duties that apply. You will help us by seeing that required, as soon as is practical; and
these duties are performed: b. Authorize us to obtain copies of medical re-
a. Give written notice to us or our agent as soon ports and records.
as is practical, which sets forth: The injured person will submit to a physical exam
(1) The identity of the policy and "insured"; by a doctor of our choice when and as often as we
reasonably require.
(2) Reasonably available information on the
time, place and circumstances of the acci- 5. Payment of Claim – Coverage F – Medical
dent or "occurrence"; and Payments to Others. Payment under this cover-
(3) Names and addresses of any claimants age is not an admission of liability by an "insured"
and witnesses; or us.
b. Promptly forward to us every notice, demand, 6. Suit Against Us. No action can be brought
summons or other process relating to the acci- against us unless there has been compliance with
dent or "occurrence"; the policy provisions.
c. At our request, help us:
(1) To make settlement;

HO 00 04 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 13 of 15


No one will have the right to join us as a party to 8. Other Insurance – Coverage E – Personal Li-
any action against an "insured." Also, no action ability. This insurance is excess over other valid
with respect to Coverage E can be brought and collectible insurance except insurance written
against us until the obligation of the "insured" has specifically to cover as excess over the limits of li-
been determined by final judgment or agreement ability that apply in this policy.
signed by us.
7. Bankruptcy of an Insured. Bankruptcy or insol-
vency of an "insured" will not relieve us of our ob-
ligations under this policy.

SECTIONS I AND II – CONDITIONS

1. Policy Period. This policy applies only to loss in Proof of mailing will be sufficient proof of no-
Section I or "bodily injury" or "property damage" in tice.
Section II, which occurs during the policy period.
(1) When you have not paid the premium, we
2. Concealment or Fraud. The entire policy will be may cancel at any time by letting you know
void if, whether before or after a loss, an "insured" at least 10 days before the date cancella-
has: tion takes effect.
a. Intentionally concealed or misrepresented any
material fact or circumstance; (2) When this policy has been in effect for less
than 60 days and is not a renewal with us,
b. Engaged in fraudulent conduct; or we may cancel for any reason by letting you
c. Made false statements; know at least 10 days before the date can-
relating to this insurance. cellation takes effect.
3. Liberalization Clause. If we make a change (3) When this policy has been in effect for 60
which broadens coverage under this edition of our days or more, or at any time if it is a re-
policy without additional premium charge, that newal with us, we may cancel:
change will automatically apply to your insurance
as of the date we implement the change in your (a) If there has been a material misrepre-
state, provided that this implementation date falls sentation of fact which if known to us
within 60 days prior to or during the policy period would have caused us not to issue the
stated in the Declarations. policy; or
This Liberalization Clause does not apply to (b) If the risk has changed substantially
changes implemented through introduction of a since the policy was issued.
subsequent edition of our policy.
This can be done by letting you know at
4. Waiver or Change of Policy Provisions. least 30 days before the date cancellation
A waiver or change of a provision of this policy takes effect.
must be in writing by us to be valid. Our request
(4) When this policy is written for a period of
for an appraisal or examination will not waive any
more than one year, we may cancel for any
of our rights.
reason at anniversary by letting you know
5. Cancellation. at least 30 days before the date cancella-
a. You may cancel this policy at any time by re- tion takes effect.
turning it to us or by letting us know in writing
c. When this policy is cancelled, the premium for
of the date cancellation is to take effect.
the period from the date of cancellation to the
b. We may cancel this policy only for the reasons expiration date will be refunded pro rata.
stated below by letting you know in writing of
the date cancellation takes effect. This cancel- d. If the return premium is not refunded with the
lation notice may be delivered to you, or mailed notice of cancellation or when this policy is re-
to you at your mailing address shown in the turned to us, we will refund it within a reason-
Declarations. able time after the date cancellation takes ef-
fect.

Page 14 of 15 Copyright, Insurance Services Office, Inc., 1990 HO 00 04 04 91


6. Nonrenewal. We may elect not to renew this 9. Death. If any person named in the Declarations or
policy. We may do so by delivering to you, or mail- the spouse, if a resident of the same household,
ing to you at your mailing address shown in the dies:
Declarations, written notice at least 30 days before a. We insure the legal representative of the de-
the expiration date of this policy. Proof of mailing ceased but only with respect to the premises
will be sufficient proof of notice. and property of the deceased covered under
7. Assignment. Assignment of this policy will not be the policy at the time of death;
valid unless we give our written consent. b. "Insured" includes:
8. Subrogation. An "insured" may waive in writing (1) Any member of your household who is an
before a loss all rights of recovery against any "insured" at the time of your death, but only
person. If not waived, we may require an assign- while a resident of the "residence prem-
ment of rights of recovery for a loss to the extent ises"; and
that payment is made by us.
(2) With respect to your property, the person
If an assignment is sought, an "insured" must sign having proper temporary custody of the
and deliver all related papers and cooperate with property until appointment and qualification
us. of a legal representative.
Subrogation does not apply under Section II to
Medical Payments to Others or Damage to Prop-
erty of Others.

HO 00 04 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 15 of 15


HOMEOWNERS

SPECIAL PROVISIONS FOR FLORIDA

AGREEMENT is replaced by the following: carpeting if damage to the dwelling is caused by a


In reliance on the information you have given us, we covered loss.
agree to provide the insurance coverages indicated on In all Forms except HO 00 04 and HO 00 06, under
the Policy Declarations. In return, you must pay the COVERAGE A – Dwelling, the following is added:
premium when due and comply with the policy terms 3. In-ground swimming pools including related
and conditions and immediately inform us of any permanently installed equipment such as pumps
change of title, use or occupancy of the “residence and filters.
premises”. In all Forms except HO 00 04 and HO 00 06,
COVERAGE B - Other Structures is replaced by the
DEFINITIONS following:
The following Definitions are added: We cover:
9. “Hurricane loss” means any loss resulting from the 1. Other structures on the “residence premises”
peril of Windstorm caused by a hurricane during set apart from the dwelling by a clear space.
any period: 2. Other structures connected to the dwelling by
x beginning when a hurricane watch or only a fence, utility line, or similar connection.
hurricane warning is issued for any portion 3. Fences whether attached or not attached to
of Florida by the National Hurricane Center the dwelling.
of the National Weather Service; This coverage does not apply to land, including land on
x remaining in effect for as long as hurricane which the other structures are located.
conditions exist anywhere in the state of We do not cover:
Florida; and, 1. Other structures used in whole or in part for
x ending 72 hours after any hurricane watch “business”; or
or hurricane warning has been 2. Other structures rented or held for rental to any
discontinued for all counties of the state of person not a tenant of the dwelling, unless
Florida by the National Hurricane Center of used solely as a private garage.
the National Weather Service. The limit of liability for this coverage will not be more
than the limit shown on the declaration page for
10. “Personal watercraft” means watercraft designed
Coverage B. Use of this coverage does not reduce the
to carry one to three people propelled by a water
Coverage A limit of liability.
jet pump powered by an internal combustion
engine and capable of speeds greater than 25 SECTION I – PROPERTY COVERAGES
MPH. Personal watercraft include but are not
Under COVERAGE A – Dwelling and COVERAGE B
limited to watercraft often referred to as jet skis,
– Other Structures
wave runners and similar watercraft.
The following is added:
11. “Fungi” means any type or form of fungus,
Special Limits of Liability
including mold or mildew, and any mycotoxins,
spores, scents, or by-products produced or Cosmetic and Aesthetic Damage to Floors.
released by fungi. The total limit of liability for Coverages A and B
combined is $10,000 per policy term for cosmetic
12. “Vacant” means the dwelling lacks the necessary and aesthetic damages to floors.
amenities, adequate furnishings, or utilities and 1. Cosmetic or aesthetic damage includes,
services to permit occupancy of the dwelling as a but is not limited to, chips, scratches,
residence. dents or any other damage to less than
13. “Unoccupied” means the dwelling is not being 5% of the total floor surface area and
inhabited as a residence. does not prevent typical use of the floor.
2. This limit includes the cost of tearing out
In Forms HO 00 03 and HO 00 08, under COVERAGE and replacing any part of the building nec-
A – Dwelling, We cover: essary to repair the damaged flooring.
Item 1. is replaced by the following: 3. This limit does not increase the Coverage
1. The dwelling on the “residence premises” used A or Coverage B limits of liability shown
mainly as your private residence, including on the declaration page.
attached structures and attached wall-to-wall 4. This limit does not apply to cosmetic or
aesthetic damage to floors caused by a

ASI HO 09 SP 08 12 Includes copyrighted material of ISO, Inc. with its permission. Page 1 of 11
Peril Insured Against as named and de- of the Coverage C limit for all electronic equipment.
scribed for Coverage C – Personal Prop- Electronic equipment includes, but is not limited to:
erty. a. Televisions, audio, video and other electronic
(This is added under COVERAGE A – Dwelling in media playing and/or recording devices.
Form HO 00 06 and applies only to Coverage A. This b. Audio and video media storage devices such
item does not apply to Form HO 00 04.) as dvds, records, cds, and tapes.
c. Cameras, projectors and related equipment.
COVERAGE C - Personal Property
d. Gaming systems including their games and
Under Special Limits of Liability, items 10. and 11. accessories.
are replaced by the following:
16. $5000 for loss to tools.
10. $1000 for loss to electronic apparatus, while in
or upon a motor vehicle or other motorized 17. 5% of the total Coverage C amount for any one
land conveyance, if the electronic apparatus is item of unscheduled personal property.
equipped to be operated by power from the (In Form HO 00 04, this limitation applies only to
electrical system of the vehicle or conveyance the peril of theft.)
while retaining its capability of being operated 18. $500 on all collections including but not limited to
by other sources of power. Electronic baseball cards, comic books, album covers and
apparatus includes: any other memorabilia. This limit applies
a. Accessories and antennas; or regardless of the number of collections or
b. Tapes, wires, records, discs or other collectibles.
media; Property Not Covered. We do not cover:
for use with any electronic apparatus described in
Item 3.b. is replaced by the following:
this item 10.
3. Motor vehicles or all other motorized land
11. $1000 for loss to electronic apparatus, while
conveyances. This includes:
not in or upon a motor vehicle or other
b. Electronic apparatus that is designed to be
motorized land conveyance, if the electronic
operated solely by use of the power from the
apparatus:
electrical system of motor vehicles or all other
a. is equipped to be operated by power from
motorized land conveyances Electronic
the electrical system of the vehicle or
apparatus includes:
conveyance while retaining its capability of
(1) Accessories or antennas; or
being operated by other sources of power;
(2) Tapes, wires, records, discs or other
b. is away from the “residence premises”;
media;
and
for use with any electronic apparatus
c. is used at any time or in any manner for
described in this item 3.b.
any “business” purpose.
Electronic apparatus includes: The exclusion of property described in 3.a. and
a. Accessories and antennas; or 3.b. above applies only while the property is in or
b. Tapes, wires, records, discs or other upon the vehicle or conveyance.
media; We do cover vehicles or conveyances not subject
for use with any electronic apparatus described in to motor vehicle registration which are:
this item 11. a. Used solely to service an “insured’s”
The following items are added: residence; or
b. Designed for assisting the handicapped.
12. $1000 for loss to art glass windows and other Item 5. is replaced by the following:
works of art such as, but not limited to statuary
(including but not limited to Hummels), marbles, 5. Property of roomers, boarders, tenants, and
bronzes, porcelains, rare glass and bric-a-brac. anyone who regularly resides at the insured
premises who is not an “insured”.
13. $2500 for personal computers and related The following is added to Property Not Covered:
peripherals such as disk drives, printers, and
commercial software. We will not pay for other 10. Your satellite dish, satellite antenna or radio towers
software or lost data. and their antenna. This exclusion also applies to
all related receiving equipment including receiver
14. $1000 for bicycles and related equipment. mounts, transducers or other receiver parts or
15. $2000 for loss to any individual item or set of installation parts. Television Sets are not an
electronic equipment caused directly or indirectly excluded item under this exclusion.
by theft or vandalism with a maximum limit of 10% In Forms HO 00 03 and HO 00 08, COVERAGE D -
Loss of Use is replaced by the following:

Page 2 of 11 Includes copyrighted material of ISO, Inc. with its permission. ASI HO 09 SP 08 12
HOMEOWNERS

We will pay 80% of the additional expenses you incur Item 2. Reasonable Repairs is replaced by the fol-
for a “hurricane loss”, and 100% of the additional lowing:
expenses you incur for other losses, but no more than 2. Reasonable Repairs. We will pay the reasonable
the limit of liability shown for Coverage D in the cost you incur for necessary repairs made solely
Declarations for the following: to protect covered property from further damage,
1. Additional living expenses incurred by you so if the peril causing the loss and related damages
that your household can maintain its normal are covered.
standard of living when a loss covered under This does not relieve you of your duties, in case of
this Section makes that part of the “residence a loss to covered property, as set forth in
premises” where you reside not fit to live in. SECTION I – CONDITIONS 2.d. This coverage
Payment will be for the shortest time required does not increase the limit of liability applying to
to repair or replace the damage or, if you the damaged covered property.
permanently relocate, the shortest time Item 8. Collapse is replaced by the following:
required for your household to settle
8. Collapse
elsewhere.
a. The coverage provided under this Additional
2. If civil authority prohibits you from use of the Coverage – Collapse applies only to an ab-
“residence premises” as a result of direct rupt collapse.
damage to neighboring premises by a Peril b. For the purpose of this Additional Coverage –
Insured Against in this policy, we cover the Collapse, abrupt collapse means an abrupt
Additional Living Expense as provided under falling down or caving in of a building or any
1., above for no more than two weeks. part of a building with the result that the build-
The periods of time for expenses described above are ing or part of the building cannot be occupied
not limited by the expiration of this policy. for its intended purpose.
We do not cover loss or expense due to cancellation of c. This Additional Coverage – Collapse does not
a lease or agreement. apply to:
In Forms HO 00 04 and HO 00 06, COVERAGE D - (1) A building or any part of a building that is
Loss of Use is replaced by the following: in danger of falling down or caving in;
(2) A part of a building that is standing, even
We will pay 80% of the additional expenses you incur if it has separated from another part of
for a “hurricane loss”, and 100% of the additional the building; or
expenses you incur for other losses, but no more than (3) A building or any part of a building that is
the limit of liability shown for Coverage D in the standing, even if it shows evidence of
Declarations for the following: cracking, bulging, sagging, bending, lean-
1. Additional living expenses incurred by you so ing, settling, shrinkage or expansion.
that your household can maintain its normal d. We insure for direct physical loss to covered
standard of living when a loss to covered property involving abrupt collapse of a build-
property or the building containing the ing or any part of a building if such collapse
property covered under this Section makes was caused by one or more of the following:
that part of the “residence premises” where (1) The Perils Insured Against named under
you reside not fit to live in. Coverage C;
Payment will be for the shortest time required (2) Decay, of a building or any part of a build-
to repair or replace the damage or, if you ing, that is hidden from view, unless the
permanently relocate, the shortest time presence of such decay is known to an
required for your household to settle "insured" prior to collapse;
elsewhere. (3) Insect or vermin damage, to a building or
any part of a building, that is hidden from
2. If civil authority prohibits you from use of the
view, unless the presence of such dam-
“residence premises” as a result of direct
age is known to an "insured" prior to col-
damage to neighboring premises by a Peril
lapse;
Insured Against in this policy, we cover the (4) Weight of contents, equipment, animals
Additional Living Expense as provided under or people;
1., above for no more than two weeks. (5) Weight of rain which collects on a roof; or
The periods of time for expenses described above are (6) Use of defective material or methods in
not limited by the expiration of this policy. construction, remodeling or renovation if
We do not cover loss or expense due to cancellation of the collapse occurs during the course of
a lease or agreement. the construction, remodeling or renova-
SECTION I - ADDITIONAL COVERAGES tion.

ASI HO 09 SP 08 12 Includes copyrighted material of ISO, Inc. with its permission. Page 3 of 11
e. Loss to an awning, fence, patio, deck, pave- and accidental direct loss to property described in
ment, swimming pool, underground pipe, flue, Coverages A and B only if that loss is a physical
drain, cesspool, septic tank, foundation, re- loss to covered property. We do not insure, how-
taining wall, bulkhead, pier, wharf or dock is ever, for loss:
not included under d.(2) through (6) above, In Form HO 00 03, under Coverage C – Personal
unless the loss is a direct result of the col- Property, the introductory paragraph is replaced
lapse of a building or any part of a building. by: We insure for sudden and accidental direct
f. This coverage does not increase the limit of physical loss to the property described in Cover-
liability that applies to the damaged covered age C caused by a peril listed below unless the
property.
loss is excluded in Section I – Exclusions.
9. Glass or Safety Glazing Material is replaced by In Form HO 00 04: The introductory paragraph is re-
the following: placed by: We insure for sudden and accidental
9. Glass or Safety Glazing Material. direct physical loss to the property described in
a. We cover: Coverage C caused by a peril listed below unless
(1) The breakage of glass or safety glazing the loss is excluded in Section I – Exclusions.
material which is part of a covered In Form HO 00 06: We insure for sudden and acci-
building, storm door or storm window; dental direct physical loss to the property de-
(2) The breakage, caused directly by Earth scribed in Coverages A and C caused by a peril
Movement, of glass or safety glazing listed below unless the loss is excluded in Section
material which is part of a covered I – Exclusions.
building, storm door or storm window; and In Form HO 00 08: We insure for sudden and acci-
(3) The direct physical loss to covered dental direct physical loss to the property de-
property caused solely by the pieces, scribed in Coverages A, B and C caused by a
fragments or splinters of broken glass or peril listed below unless the loss is excluded in
safety glazing material which is part of a Section I – Exclusions.
building, storm door or storm window. In Form HO 00 03, under Coverage A - Dwelling and
b. This coverage does not include loss: Coverage B - Other Structures, item 2.d. is replaced
(1) To covered property which results by the following:
because the glass or safety glazing d. Vandalism and malicious mischief if the
material has been broken, except as dwelling has been “vacant” or “unoccupied” for
provided in a.(3) above; or more than 30 days immediately before the
(2) On the “residence premises” if the dwelling loss. A dwelling being constructed is not
has been “vacant” or “unoccupied” for considered “vacant” or “unoccupied”.
more than 30 consecutive days
immediately before the loss except when In Forms HO 00 04, HO 00 06 and HO 00 08, item 8.
the breakage results directly from Earth Vandalism and malicious mischief is replaced by the
Movement as provided for in a.(2) above. following:
A dwelling being constructed is not 8. Vandalism and malicious mischief.
considered “vacant” or “unoccupied”. This peril does not include loss to property on the
Loss to glass covered under this ADDITIONAL “residence premises” if the dwelling has been
COVERAGE 9. will be settled on the basis of “vacant” or “unoccupied” for more than 30 days
replacement with safety glazing materials when immediately before the loss. A dwelling being
required by ordinance or law. constructed is not considered “vacant” or
“unoccupied”.
For Form HO 00 08, we will pay up to $100 for loss
under this coverage. In Form HO 00 03, under Coverage A - Dwelling and
This coverage does not increase the limit of liability Coverage B - Other Structures, item 2. e. (3) is
that applies to the damaged property. replaced by the following:
(This is ADDITIONAL COVERAGE 8., in Form HO (3) Smog, rust or other corrosion, “fungi”,
00 08.) mold, wet or dry rot;
SECTION I - PERILS INSURED AGAINST In Form HO 00 03, under Coverage A - Dwelling and
Coverage B - Other Structures, item 2. e.(5) is
The following replacements are made to the introduc-
replaced by the following:
tory paragraphs:
(5) Discharge, dispersal, seepage, migration,
In Form HO 00 03, under Coverage A – Dwelling and release or escape of pollutants unless the
Coverage B – Other Structures, the introductory discharge, dispersal, seepage, migration,
paragraph is replaced by: We insure for sudden release or escape is itself caused by a Peril

Page 4 of 11 Includes copyrighted material of ISO, Inc. with its permission. ASI HO 09 SP 08 12
HOMEOWNERS

Insured Against under Coverage C of this (This is Exclusion 1.a. in Form HO 00 03.)
policy. 2. Earth Movement is replaced by the following:
Pollutants means any solid, liquid, gaseous
or thermal irritant or contaminant, including 2. Earth Movement and Settlement, meaning:
but not limited to smoke, vapor, soot, a. Earthquake, including land shock waves or
fumes, acids, alkalis, chemicals, and tremors before, during or after a volcanic
waste. Waste includes but is not limited to eruption;
materials to be recycled, reconditioned or b. Landslide;
reclaimed. c. Mine subsidence;
d. Mudflow;
In Form HO 00 03, under Coverage A - Dwelling and
e. Earth sinking, rising or shifting;
Coverage B - Other Structures, We do not insure,
f. Clay shrinkage or other expansion or contrac-
however, for loss: under item 2. Caused by:, the
tion of soils or organic materials;
following is added:
g. Decay of buried or organic materials, con-
f. constant or repeated seepage or leakage of
struction debris, or fill;
water or steam, or the presence or
h. Settling, cracking or expansion of foundation;
condensation of humidity, moisture or vapor, if
or
any of these occurs over a period of 14 or
i. Soil movement resulting from blasting.
more days, whether hidden or not.
Whether caused by natural or manmade activi-
In Forms HO 00 03 and HO 00 04, under Coverage C ties; unless direct loss by:
– Personal Property and in Form HO 00 06, under a. Fire; or
Coverage A – Dwelling and Coverage C – Personal b. Explosion;
Property, the following is added to item 12.: ensues and then we will pay only for the ensuing
d. Caused by or resulting from constant or loss.
repeated seepage or leakage of water or This Exclusion does not apply to loss by theft.
steam, or the presence or condensation of (This is Exclusion 1.b. in Form HO 00 03.)
humidity, moisture or vapor, if any of these
3. Water Damage is replaced by the following:
occurs over a period of 14 or more days,
whether hidden or not. 3. Water Damage, meaning
a. Flood, surface water, waves, tidal waves,
SECTION I – EXCLUSIONS tsunami, tides, tidal water, overflow of any
1. Ordinance or Law is replaced by the following: body of water, or spray from any of these, all
1. Ordinance or Law, meaning any ordinance or whether or not driven by wind, including
law: storm surge;
a. Requiring or regulating the construction, b. Water, water-borne material, sewage or any
demolition, remodeling, renovation or repair other substance which backs up through
of property, including removal of any resulting sewers or drains;
debris. This exclusion 1.a. does not apply to c. Water, water-borne material, sewage or any
the amount of coverage that may be provided other substance that overflows from a sump
for under the ADDITIONAL COVERAGE of pump, sump pump well or other system de-
Glass or Safety Glazing Material for ordi- signed for the removal of subsurface water
nance or law, or to the limits you purchased which is drained from a foundation area of a
of Ordinance or Law coverage; structure;
b. The requirements of which result in a loss in d. Water, water-borne material, sewage or any
value to property; or other substance on or below the surface of
the ground, regardless of its source. This in-
c. Requiring any “insured” or others to test for,
cludes water or any other substance which
monitor, clean up, remove, contain, treat, de-
exerts pressure on or flows, seeps or leaks
toxify or neutralize, or in any way respond to,
through a building, sidewalk, driveway, patio,
or assess the effects of, pollutants.
foundation, swimming pool or other structure;
Pollutants means any solid, liquid, gaseous or
or
thermal irritant or contaminant, including but
not limited to smoke, vapor, soot, fumes, ac- e. Escape, overflow or discharge, for any rea-
ids, alkalis, chemicals, and waste. Waste in- son, of water or waterborne material from a
cludes but is not limited to materials to be re- dam, levee, seawall or any other boundary or
cycled, reconditioned or reclaimed. containment system.
This Exclusion applies whether or not the proper- caused by or resulting from human or animal
ty has been physically damaged. forces or any act of nature.

ASI HO 09 SP 08 12 Includes copyrighted material of ISO, Inc. with its permission. Page 5 of 11
Direct loss by fire, explosion or theft resulting 12. Change in Occupancy or Usage of “Residence
from water damage is covered. Premises”
(This is Exclusion 1.c. in Form HO 00 03.) If the company has not been promptly notified of
4. Power Failure is replaced by the following: a change in occupancy or usage of the “resi-
4. Power Failure, meaning the failure of power or dence premises”, any loss occurring during or af-
other utility service if the failure takes place off ter that time will be excluded from coverage.
the “residence premises.” But if the failure of (This is Exclusion 1.l. in Form HO 00 03.)
power or other utility service results in a loss, 13. Diminished Value
from a PERIL INSURED AGAINST on the “resi- We do not cover any loss due to diminished value
dence premises,” we will pay for the loss or dam- of any property covered under this policy.
age caused by that PERIL INSURED AGAINST. (This is Exclusion 1.m. in Form HO 00 03.)
(This is Exclusion 1.d. in Form HO 00 03.) SECTION I – CONDITIONS
8. Intentional Loss is replaced by the following: 2. Your Duties after loss.
8. Intentional Loss The sentence “In case of loss to a covered
Intentional Loss means any loss arising out of property, you must see that the following are
any act any “insured” commits or conspires to done:” is replaced by the following:
commit with the intent to cause a loss. In case of loss to a covered property, you
In the event of such loss, no “insured” is entitled must see that all of the following are done:
to coverage, even “insureds” who did not commit
Item 2.a. is replaced by the following:
or conspire to commit the act causing the loss.
a. Give prompt notice to us or our agent. And, if
(This is Exclusion 1.h. in Form HO 00 03.)
applicable, your notice must satisfy the
The following Exclusions are added: following requirements:
9. Criminal or Illegal Activity, meaning any and all (1) A claim, supplemental claim, or reopened
criminal or illegal acts performed by any insured claim for loss or damage caused by the
that result in damage to your structure or personal peril of windstorm or hurricane is barred
property. unless notice of the claim, supplemental
(This is Exclusion 1.i. in Form HO 00 03.) claim, or reopened claim is given to us in
accordance with the terms of the policy
10. “Hurricane Loss” to: within 3 years after the hurricane first
a. outdoor radio and television antennas or made landfall or the windstorm caused the
satellite dishes and aerials including their lead covered damage. For purposes of this
wiring, masts or towers; or section, the term “supplemental claim” or
b. awnings, aluminum framed screened “reopened claim” means any additional
enclosures, or aluminum framed carports; or claim for losses from the same hurricane
c. solar panels; solar water heating systems or windstorm which we have previously
including solar panels, pipes supplying and adjusted pursuant to the initial claim;
returning water to solar panels, and equipment
or devices controlling solar water heating Item 2.e. is replaced by the following:
systems; or e. Prepare an inventory of damaged personal
d. any structure not attached to the main property showing the quantity, description, age,
residence unless constructed with the same or actual cash value and amount of loss. Attach
substantially the same materials as that of the bills, receipts and related documents that
main residence. establish ownership of the damaged personal
(This is Exclusion 1.j. in Form HO 00 03.) property and justify the figures in the inventory.

11. Existing Damage Item 2.f. is replaced by the following:


a. Damages which occurred prior to policy f. As often as we reasonably require:
inception regardless of whether such damages (1) Show the damaged property;
were apparent at the time of the inception of (2) Provide us with records and documents we
this policy or discovered at a later date; or request and permit us to make copies;
b. Claims or damages arising out of (3) You or any “insured” under this policy must:
workmanship, repairs or lack of, which i. Submit to examinations under oath
occurred prior to policy inception. and recorded statements, while not in
This Exclusion does not apply in the event of a the presence of any other “insured”;
total loss caused by a Peril Insured Against. and
(This is Exclusion 1.k. in Form HO 00 03.) ii. Sign the Same;

Page 6 of 11 Includes copyrighted material of ISO, Inc. with its permission. ASI HO 09 SP 08 12
HOMEOWNERS

(4) If you are an association, corporation or such repairs as the work is performed and
other entity; any members, officers, direc- the expenses are incurred, but not more
tors, partners or similar representatives of than the least of the following amounts:
the association, corporation or other entity (a) The necessary amount actually spent
must: to repair or replace the damaged
i. Submit to examinations under oath building; or
and recorded statements, while not in (b) The limit of liability under this policy
the presence of any other “insured”; that applies to the building.
and Under Form HO 00 06, Coverage A – Dwelling
ii. Sign the Same. paragraph b.(2) is deleted.
(5) Anyone you hire in connection with your
claim and anyone insured under this policy, 6. Appraisal is replaced by the following:
other than an “insured” in (3) or (4) above, 6. Mediation or Appraisal. If you or we:
must: a. Are engaged in a dispute regarding a claim
i. Submit to examinations under oath under this policy, either party may demand a
and recorded statements, while not in mediation of the loss in accordance with the
the presence of any other “insured”; rules established by the Florida Department of
and Financial Services. The results of the
ii. Sign the Same; mediation are binding only when both parties
The following is added to 2. Your Duties after Loss: agree, in writing, on a settlement and, you
h. At our request, provide to us or execute an have not rescinded the settlement within 3
authorization which allows us to obtain on your business days after reaching settlement. You
behalf, records and documentation we deem may not rescind the settlement after cashing or
relevant to the investigation of your loss. depositing the settlement check or draft we
provided you.
3. Loss Settlement. Covered property losses are
settled as follows: We will pay the cost of conducting any
Under Form HO 00 03, item b.(4) is replaced by the mediation conference except when you fail to
following: appear at a conference. That conference will
b.(4) We will pay at least the actual cash value of then be rescheduled upon your payment of the
the damage, less any applicable deductible, costs of that rescheduled conference.
until actual repair is performed. We will pay b. Fail to agree on the amount of the loss, either
any remaining amounts necessary to party may demand an appraisal of the loss. In
perform such repairs as the work is this event, each party will choose a competent
performed and the expenses are incurred appraiser within 20 days after receiving a
and according to the provisions of b.(1) and written request from the other. The two
b.(2) above. appraisers will choose an umpire. If they
However, if the cost to repair or replace the cannot agree upon an umpire within 15 days,
damage is both: you or we may request that the choice be
(a) Less than 5% of the amount of made by a judge of a court of record in the
insurance in this policy on the building; state where the “residence premises” is
and located. The appraisers will separately set the
(b) Less than $2500; amount of the loss. If the appraisers submit a
we will settle the loss according to the written report of an agreement to us, the
amount agreed upon will be the amount of the
provisions of b.(1) and b.(2) above whether
loss. If they fail to agree, they will submit their
or not actual repair or replacement is
differences to the umpire. A decision agreed
complete. If a total loss, we will pay the
to by any two will set the amount of the loss.
replacement cost amount without deduction
Each party will:
for depreciation.
(1) Pay its own appraiser; and
Under Form HO 00 03, item b.(5) is deleted. (2) Bear the other expenses of the appraisal
Under Form HO 00 06, Coverage A – Dwelling and umpire equally.
paragraph b.(1) is replaced by the following: If, however, we demanded the mediation and
b.(1) We will pay at least the actual cash value either party rejects the mediation results, you are
of the damage, less any deductible, until not required to submit to, or participate in, any
actual repair is performed. We will pay any appraisal of the loss as a precondition to action
remaining amounts necessary to perform against us for failure to pay the loss.

ASI HO 09 SP 08 12 Includes copyrighted material of ISO, Inc. with its permission. Page 7 of 11
8. Suit Against Us is replaced by the following: b. Pays any premium due under this policy on
demand if you have neglected to pay the pre-
8. Suit Against Us. No action can be brought unless
mium; and
the policy provisions have been complied with and
c. Submits a signed, sworn statement of loss with-
the action is started within 5 years after the date of in 60 days after receiving notice from us of your
loss. failure to do so. Paragraphs b. and f. of 2. Du-
9. Our Option is deleted. ties After Loss, 6. Mediation or Appraisal, 8. Suit
Against Us and 10. Loss Payment under Sec-
10. Loss Payment is replaced by the following:
tion I – Conditions also apply to the mortga-
10. Loss Payment. We will adjust all losses with you. gee.
We will pay you unless some other person is If we decide to cancel or not to renew this policy,
named in the policy or is legally entitled to receive the mortgagee will be notified at least 10 days be-
payment. Loss will be payable upon the earlier of fore the date cancellation or nonrenewal takes ef-
the following: fect.
a. 20 days after: If we pay the mortgagee for any loss and deny
(1) We receive your proof of loss and reach payment to you:
written agreement with you; or a. We are subrogated to all the rights of the
(2) Written executed mediation settlement mortgagee granted under the mortgage on the
with you according to the terms of the property; or
written mediation settlement; or b. At our option, we may pay to the mortgagee
b. 60 days after we receive your proof of loss the whole principal on the mortgage plus any
and: accrued interest. In this event, we will receive a
full assignment and transfer of the mortgage
(1) There is an entry of a final judgment or, in
and all securities held as collateral to the mort-
the case of an appeal from such
gage debt.
judgment, within 60 days from and after Subrogation will not impair the right of the mortga-
the affirmance of the same by the gee to recover the full amount of the mortgagee's
appellate court; or claim.
(2) There is a filing of an appraisal award or, We provide coverage to no mortgagee or its rep-
in the case of an appeal from such award, resentatives under this policy if, whether before or
within 60 days from and after the after a loss, a mortgagee or its representatives
affirmance of the same by the appellate has:
court; or a. Intentionally concealed or misrepresented
c. Within 90 days after we receive notice from any material fact or circumstance;
you of an initial, reopened, or supplemental b. Engaged in fraudulent conduct; or
property insurance claim, we shall pay or deny c. Made material false statements;
such claim or a portion of the claim unless the relating to this insurance.
failure to do so is caused by factors beyond (This Condition does not apply to Form HO 00 04.)
our control which reasonably prevent such The following Condition is added:
payment. However, failure to pay or deny
within 90 days does not form the sole basis for 17. Venue. This policy and any performance there
a private cause of action. under shall be construed with and governed by the
Any payment made by us shall not constitute a waiver laws of the State of Florida.
of our rights within the policy. 18. Assignment of Claim Benefits. No assignment of
12. Mortgage Clause is replaced by the following: claim benefits, regardless of whether made before
loss or after loss, shall be valid without the written
12. Mortgage Clause. consent of all “insureds”, all additional insureds and
The word "mortgagee" includes trustee. all mortgagee(s) named in this policy.
If a mortgagee is named in this policy, any loss
payable under Coverage A or B will be paid to the SECTION II - EXCLUSIONS
mortgagee and you, as interests appear. If more Under 1. COVERAGE E - Personal Liability and
than one mortgagee is named, the order of pay-
COVERAGE F - Medical Payments to Others do not
ment will be the same as the order of precedence
of the mortgages. apply to “bodily injury” or “property damage”: items a.,
If we deny your claim, that denial will not apply to f.(4)(a), g., k., and I. are replaced by the following:
a valid claim of the mortgagee, if the mortgagee: a. “Bodily injury” or “property damage” which is
a. Notifies us of any change in ownership, occu- expected or intended by an "insured" even if
pancy or substantial change in risk of which the resulting "bodily injury" or "property
the mortgagee is aware; damage:

Page 8 of 11 Includes copyrighted material of ISO, Inc. with its permission. ASI HO 09 SP 08 12
HOMEOWNERS

(1) Is of a different kind, quality or degree k. Arising out of actual or alleged sexual
than initially expected or intended; or molestation or harassment, corporal
(2) Is sustained by a different person, entity, punishment, or physical or mental abuse; or
real or personal property, than initially l. Arising out of the use, sale, manufacture,
expected or intended. delivery, transfer or possession by any person
However, this Exclusion 1.a. does not apply of a Controlled Substance(s) as defined under
to "bodily injury" resulting from the use of federal law. Controlled Substances include but
reasonable force by an "insured" to protect
are not limited to cocaine, LSD, marijuana, and
persons or property;
all narcotic drugs. However, this exclusion
f. Arising out of: does not apply to the legitimate use of
This exclusion does not apply to: prescription drugs by a person following the
(4) A vehicle or conveyance not subject to orders of a licensed physician.
motor vehicle registration which is:
(a) Used solely to service an “insured’s” Under 1. COVERAGE E – Personal Liability and
residence; COVERAGE F – Medical Payments to Others, the
following items are added:
g. Arising out of:
(1) The ownership, maintenance, use, loading m. “Bodily injury” or “property damage” arising out
or unloading of an excluded watercraft as of the ownership or use of a trampoline owned
defined below; by, rented by or loaned to an insured, whether
(2) The entrustment by an “insured” of an on the “residence premises” or elsewhere.
excluded watercraft described below to n. “Bodily injury” or “property damage” which
any person; or arises out of the transmission of sickness or
(3) Vicarious liability, whether or not statutorily disease by an “insured” through sexual
imposed, for the actions of a child or minor contact.
using an excluded watercraft described o. “Bodily Injury” or “property damage” caused,
below. whether in whole or in part, by any animal
Excluded watercraft are those that are owned or kept, including temporary
principally designed to be propelled by engine supervision, by you or any insured, resident,
power or electric motor including “personal tenant, or guest whether or not the injury or
“watercraft”, or are sailing vessels, whether damage occurs on the “residence premises” or
owned or rented to an “insured”. This elsewhere.
exclusion does not apply to watercraft:
(1) That are not “personal watercraft” or p. “Bodily injury” or “property damage” arising
sailing vessels and are powered by: out of the ownership or use of a diving board
(a) Inboard or inboard-outdrive engine or or slide owned by or rented by any insured
motor power of 50 horsepower or whether on the “residence premises” or
less not owned by an “insured”; elsewhere.
(b) Inboard or inboard-outdrive engine or q. “Bodily injury” or “property damage” arising
motor power of more than 50 out of criminal or illegal activity, meaning any
horsepower not owned by or rented and all criminal or illegal acts performed by any
to an “insured”; insured regardless of whether the
(c) One or more outboard engines or consequences of those acts were intended or
motors with 25 total horsepower or anticipated.
less;
(d) One or more outboard engines or SECTION II - CONDITIONS
motors with more than 25 total Under 3. Duties After Loss, the following is added:
horsepower if the outboard engine or f. As often as we reasonable require:
motor is not owned by an “insured”; (1) Allow us to inspect the property wherein
(2) That are sailing vessels, with or without the “bodily injury” or “property damage”
auxiliary power occurred;
(a) Less than 26 feet in overall length. (2) Provide us with records and documents
(b) 26 feet or more in overall length, not we request and permit us to make copies;
owned by or rented to an “insured”. and
(3) That are stored. (3) Submit to an examination under oath,
while not in the presence of any other
“insured”, and sign the same.

ASI HO 09 SP 08 12 Includes copyrighted material of ISO, Inc. with its permission. Page 9 of 11
Under 4. Duties of an Injured Person – Coverage F (1) When you have not paid the premium, we
Medical Payments to Others, the following is added: may cancel at any time by letting you know
c. Submit to a recorded statement. at least 10 days before the date cancellation
takes effect.
The following Condition is added: (2) When this policy has been in effect for 90
9. Venue. This policy and any performance there days or less, we may cancel for any reason,
under shall be construed with and governed by except we may not cancel:
the laws of the State of Florida. (a) On the basis of property insurance
claims that are the result of an Act of
SECTIONS I AND II – CONDITIONS God, unless we can demonstrate, by
2. Concealment or Fraud is replaced by the claims frequency or otherwise, that the
following: "insured" has failed to take action rea-
sonably necessary as requested by us
2. Concealment or Fraud to prevent recurrence of damage to the
a. Under SECTION I - PROPERTY insured property;
COVERAGES, with respect to any and all (b) On the basis of a single claim which is
“insureds” covered under this policy, we the result of water damage, unless we
provide no coverage for loss under SECTION I can demonstrate that the "insured" has
- PROPERTY COVERAGES if, whether failed to take action reasonably re-
before or after a loss, any one or more quested by us to prevent a future simi-
“insureds” have: lar occurrence of damage to the insured
(1) Intentionally concealed or misrepresented property.
any material fact or circumstances; Except as provided in Paragraphs 5.b. and
(2) Engaged in fraudulent conduct; or 5.c.(1) of this provision, we will let you know
(3) Made material false statements; of our action at least:
relating to this insurance (a) 120 180 days before the date cancella-
b. Under SECTION II - LIABILITY tion takes effect if the "residence
COVERAGES, we do not provide coverage to premises" has been insured by us or
any of our affiliated insurers for at least
any one or more “insureds” who, whether
five years immediately prior to the date
before or after a loss, have:
of the written notice; or
(1) Intentionally concealed or misrepresented (b) 20 days before the date cancellation
any material fact or circumstances; takes effect in all other cases.
(2) Engaged in fraudulent conduct; or (3) When this policy has been in effect for more
(3) Made material false statements; than 90 days, we may cancel:
relating to this insurance (a) If there has been a material
5. Cancellation is replaced by the following: misstatement;
(b) If the risk has changed substantially
5. Cancellation
since the policy was issued;
a. You may cancel this policy at any time by return-
(c) In the event of failure to comply with
ing it to us or by letting us know in writing of the
underwriting requirements established
date cancellation is to take effect.
by us within 90 days of the effective
b. When this policy has been in effect for 90 days
date of coverage;
or less, we may cancel immediately if:
(d) If the cancellation is for all insureds
(1) There has been a material misstatement or
under policies of this type for a given
misrepresentation or failure to comply with
class of insureds;
underwriting requirements; and
(e) On the basis of property insurance
(2) The "residence premises" has not been in-
claims that are the result of an Act of
sured by us or any of our affiliated insurers
God, if we can demonstrate, by claims
for at least five years immediately prior to
frequency or otherwise, that the "in-
the date of the written notice.
sured" has failed to take action reason-
c. We may also cancel this policy subject to the
ably necessary as requested by us to
following provisions. A written cancellation no-
prevent recurrence of damage to the
tice, together with the specific reasons for can-
insured property;
cellation, will be delivered to you, or mailed to
(f) On the basis of a single claim which is
you at your mailing address shown in the Decla-
the result of water damage, if we can
rations.
demonstrate that the "insured" has
Proof of mailing will be sufficient proof of notice.
failed to take action reasonably re-
quested by us to prevent a future simi-

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HOMEOWNERS

lar occurrence of damage to the insured A single claim on a property insurance policy that
property. is the result of water damage may not be used as
We will provide the following notice: the sole cause for nonrenewal unless we can
(a) If the "residence premises" has been demonstrate that the “insured” has failed to take
insured by us or any of our affiliated in- action reasonably requested by us to prevent a
surers for at least five years immedi- future similar occurrence of damage to the “in-
ately prior to the date of the written no- sured” property.
tice, we will let you know at least 120
days before the date cancellation takes 8. Subrogation. Under Form HO 00 06, the
effect. following sentence is added to the first paragraph
If Paragraph (a) does not apply, and: of the condition:
(b) If the date of cancellation becomes ef- However, we waive any rights of recovery against
fective on or after December 1 and be- the corporation or association of property owners
fore June 1, we will let you know at of the condominium where the “residence
least 100 days before the date cancel- premises” is located.
lation takes effect; or The following Conditions are added:
(c) If the date of cancellation becomes ef-
fective on or after June 1 and before 10. Renewal Notification. If we elect to renew this
December 1, we will let you know: policy, we will let you know, in writing:
(i) At least 100 days before the date a. Of our decision to renew this policy; and
cancellation takes effect; or b. The amount of renewal premium payable to
(ii) By June 1; us.
whichever is earlier. This notice will be delivered to you or mailed to you
If more than one notice requirement applies, at your mailing address shown in the Declarations
we will provide the broadest notice. at least 45 days before the expiration date of this
d. When this policy is cancelled, the premium for policy.
the period from the date of cancellation to the 11. Our Right to Recover Payment.
expiration date will be refunded pro rata.
a. If we make a payment under this policy and
e. If the return premium is not refunded with the
the person to or for whom payment was made
notice of cancellation or when this policy is re-
turned to us, we will refund it within 15 days af- has a right to recover damages from another,
ter the date cancellation takes effect. we shall be subrogated to that right. That
person shall do:
6. Nonrenewal is replaced by the following: (1) Whatever is necessary to enable us to
6. Nonrenewal. We may elect not to renew this exercise our rights; and
policy. However, we will not nonrenew this policy (2) Nothing after loss to prejudice them
on the basis of property insurance claims that are b. If we make a payment under this policy and
the result of an Act of God, unless we can the person to or for whom payment is made
demonstrate by claims frequency or otherwise, that recovers damages from another, that person
the “insured” has failed to take action reasonably shall:
necessary as requested by us to prevent (1) Hold in trust for us the proceeds of the
recurrence of damage to the insured property. recovery; and
We may do so by delivering to you or mailing to (2) Reimburse us to the extent of our
you at your mailing address shown in the payment.
Declarations, written notice, together with the 12. Our Right To Recompute Premium.
specific reasons for nonrenewal, at least one
hundred (100) days before the expiration date of We established the premium for this policy based
this policy. We shall give at least one hundred on the statements you made in the application for
(100) days written notice, or when required by law, insurance. We have the right to recompute the
premium if we later obtain information which af-
written notice by June 1, whichever is earlier, for
fects the premium we charged.
any cancellation that would be effective on or after
June 1 and before December 1. All other provisions of this policy apply.
However, we shall give you at least 120 days
advance written notice of nonrenewal if you have
been insured by us or an affiliate for at least five (5)
consecutive years immediately prior to the date of
the written notice.
Proof of mailing will be sufficient proof of notice.

ASI HO 09 SP 08 12 Includes copyrighted material of ISO, Inc. with its permission. Page 11 of 11
HOMEOWNERS
HO 04 96 04 91

NO SECTION II – LIABILITY COVERAGES FOR


HOME DAY CARE BUSINESS
LIMITED SECTION I – PROPERTY COVERAGES FOR
HOME DAY CARE BUSINESS

If an "insured" regularly provides home day care ser- 3. Limits coverage for property used on the "resi-
vices to a person or persons other than "insureds" dence premises" for the home day care enterprise
and receives monetary or other compensation for to $2,500, because Coverage C – Special Limits
such services, that enterprise is a "business." Mutual of Liability – item 8. imposes that limit on "busi-
exchange of home day care services, however, is not ness" property on the "residence premises." (Item
considered compensation. The rendering of home 8. corresponds to item 5. in Form HO 00 08.);
day care services by an "insured" to a relative of an 4. Limits coverage for property used away from the
"insured" is not considered a "business." "residence premises" for the home day care en-
Therefore, with respect to a home day care enterprise terprise to $250, because Coverage C – Special
which is considered to be a "business," this policy: Limits of Liability – item 9. imposes that limit on
1. Does not provide Section II – Liability Coverages "business" property away from the "residence
because a "business" of an "insured" is excluded premises." Special Limit of Liability item 9. does
under exclusion 1.b. of Section II – Exclusions; not apply to adaptable electronic apparatus as de-
scribed in Special Limit of Liability items 10. and
2. Does not provide Section I – Coverage B cover- 11. (Items 9., 10. and 11. correspond to items 6.,
age where other structures are used in whole or in 7. and 8. respectively in Form HO 00 08.)
part for "business";

THIS ENDORSEMENT DOES NOT CONSTITUTE A REDUCTION OF COVERAGE.

HO 04 96 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 1 of 1


LIMITED FUNGI, MOLD, WET OR DRY ROT, OR BACTERIA COVERAGE
ENDORSEMENT
(ASI HO 09 FCE 01 05)

1. Section I - Property Coverage Limit of Liability for the additional $ Each Covered Loss
Coverage “Fungi”, Mold, Wet Or Dry Rot, Or Bacteria $ Policy Aggregate
2. Section II - Coverage E Aggregate Sublimit of Liability for $50,000
“Fungi”, Mold, Wet Or Dry Rot, Or Bacteria
*Entries may be left blank is shown elsewhere in this policy for this coverage.

DEFINITIONS

The following definition is added:

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 on, or are contained in, a good or
product intended for consumption.

SECTION I-PROPERTY COVERAGES

ADDITIONAL COVERAGES

The following Additional Coverage is added:

“Fungi”, Mold, Wet Or Dry Rot, Or Bacteria

a. We will pay up to the amount stated in the Declarations for Limit of Liability for “Fungi”
Coverage for:
1) The total of all loss payable under Section I – Property Coverages caused by or
resulting directly or indirectly from “fungi”, mold, wet or dry rot, or bacteria;
2) The cost to remove “fungi”, mold, 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 property
as needed to gain access to the “fungi”, mold, 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”, mold, 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”, mold, wet or dry rot, or bacteria.

b. The coverage described in 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.

c. The Each Covered Loss 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 resulting
from any one covered loss; and

The Policy Aggregate 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 for all covered
losses, regardless of the number of locations insured under this endorsement or number of
claims-made.

ASI HO 09 FCE 01 05 Includes copyrighted materials of ISO, Inc with its permission. 1 of 3
d. If there is covered loss or damage to covered property, not caused, in whole or in part, by
“fungi”, mold, 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”, mold, 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.

SECTION I-EXCLUSIONS

The following Exclusion is added:

9. “Fungi”, Mold, Wet or Dry Rot, Or Bacteria


“Fungi”, mold, wet or dry rot, or bacteria meaning the presence, growth, proliferation,
spread or any activity of “fungi”, mold, wet or dry rot or bacteria.

This Exclusion does not apply:

a. When “fungi”, mold, wet or dry rot, or bacteria results from fire or lightning; or
b. To the extent coverage is provided for in the “Fungi”, Mold, 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”, mold, wet or dry rot, or bacteria is
covered.

(This is exclusion i in Form HO 00 03.)

SECTION II-LIABILITY

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 Declarations. 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”.

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”, mold, wet or dry rot, or
bacteria will not be more than the Section II-Coverage E Aggregate Sublimit of Liability for
“Fungi”, Mold, 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;

ASI HO 09 FCE 01 05 Includes copyrighted materials of ISO, Inc with its permission. 2 of 3
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.

With respect to damages arising out of “Fungi”, Mold, Wet or Dry Rot, or Bacteria described in 1.
Limit of Liability of this endorsement, Condition 2. Severability of Insurance is deleted and
replaced with 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 I AND II - CONDITIONS

Condition 1. Policy Period is deleted and replaced by the following:

1. Policy Period

This policy applies only to loss or costs in Section I or “bodily injury” or “property damage” in
Section II, which occurs during the policy period.

All other policy provisions apply.

ASI HO 09 FCE 01 05 Includes copyrighted materials of ISO, Inc with its permission. 3 of 3
HOMEOWNERS POLICY OUTLINE
(ASI HO 09 OTL)

The following outline of coverage is for informational purposes only. Florida law prohibits this outline
from changing any of the provisions of your policy. We encourage you to read your policy.
Homeowners policies are designed to provide coverage for your home, other structures on your property,
your personal belongings, loss of use of your home, personal liability, and medical payments to others.

POLICY COVERAGES
Please refer to your policy Declarations Page for limits applicable to each policy coverage, the
deductibles which apply to property losses, and the policy premium. Below is a brief description of each
of the principal coverage features.

SECTION I – PROPERTY COVERAGES:


COVERAGE A Covers your dwelling, including attached structures.
COVERAGE B Covers other structures on the same premises as your residence which are
detached from the dwelling, such as a garage, guest house, or fence.
COVERAGE C Covers your personal property such as clothes and furniture. Special limits apply
to many classes of property such as jewelry. Other classes of personal property
such as motorized vehicles are excluded. You should review the limits and
exclusions, and contact your agent if additional coverage is required.
COVERAGE D Covers increased living expenses you incur during a time when your home is not
able to be lived in due to a covered loss. Read your policy for special limitations
regarding hurricane losses.

PERILS INSURED AGAINST


Form HO 00 03, covers all risk of physical loss to the described property unless specifically excluded in
the policy. Form HO 00 08, provides coverage for perils named in your policy. These perils include fire,
lightning, windstorm or hail, explosion, riot or civil commotion, theft, as well as other perils. Please read
your policy for full details on the perils insured against.

EXCLUSIONS
Your policy excludes loss due to certain causes. These exclusions include loss from earth movement
(other than catastrophic ground cover collapse), water damage due to flood and other surface waters,
neglect, war and nuclear hazards, and power failure. Further, certain items and structures are
specifically excluded for hurricane losses such as screened enclosures and carports.
If your home is located in the designated wind pool your policy may exclude coverage for windstorm and
hail. However, you may be eligible for coverage through Citizens Property Insurance Corporation. We
encourage you to purchase this coverage through Citizens. If your Declarations Page indicates that your
policy excludes wind, and you have not purchased a wind-only policy from Citizens, contact your agent.
As mentioned above, your policy excludes water damage due to flood. If your home is located in a
Special Flood Hazard Areas, we require that you purchase flood insurance from the National Flood
Insurance Program (NFIP). If your home is not located in a Special Flood Hazard Area, we recommend
that you consider purchasing a preferred risk flood policy through the NFIP. Please contact your agent if
you have not purchased this valuable coverage.

ASI HO 09 OTL 01 10 Page 1 of 2


ADDITIONAL COVERAGE AVAILABLE
Florida Law requires insurers to offer Replacement Cost Coverage on your dwelling and Ordinance or
Law Coverage to you unless you reject these coverages in writing. You automatically have replacement
cost coverage on your dwelling if you have a policy under form HO 00 03. Form HO 00 08 is an actual
cash value policy which does not provide replacement cost coverage. However, it may be added by
endorsement.
Ordinance or Law Coverage provides valuable protection against increases in construction costs due to
compliance with new building codes. Coverage may be added by endorsement.
Other optional coverages available include:
x Increased Replacement Cost to cover increases in the cost of construction that can occur due to
economic factors of supply and demand. This is common after major disasters.
x Personal Property Replacement Cost provides replacement cost coverage on your personal property.
In the event of a covered loss, your damaged property will be replaced with new items of like quality.
x Scheduled Personal Property provides additional risk coverage on specifically listed personal
property.
x Limited Screened Enclosure and Carport Coverage provides coverage for these items that are
otherwise excluded for losses caused by a hurricane.

SECTION II – LIABILITY COVERAGES:


COVERAGE E Covers amounts you become legally liable to pay to others as a result of your
personal activities or your residence insured by this policy. We will also pay for
legal costs to defend you if suit is brought against you. Your policy does not cover
liability resulting from any animals you own or are in your care. Further, your
policy does not cover liability related to business activities. Please read your
policy for full details on the types of losses that are excluded.
COVERAGE F Covers medical expenses of others injured at your home or as a result of your
personal activities.

RENEWAL AND CANCELLATION PROVISIONS


You may cancel this policy at any time for any reason. Our right to cancel your policy is limited to the
conditions described in your policy. If you request cancellation of your policy, the unearned premium will
be returned less any fully earned fees. If we cancel the policy, 100% of the unearned premium will be
returned to you.
We will mail you an offer to renew your policy or notice of our intention to non-renew your policy prior to
the expiration of this policy period. If we offer to renew your policy, you may keep the policy in force by
paying the premium prior to the effective date.
REMEMBER, THIS OUTLINE IS FOR INFORMATIONAL PURPOSES ONLY AND IS INTENDED TO
PROVIDE A BRIEF DESCRIPTION OF THE COVERAGES AND EXCLUSIONS CONTAINED IN YOUR
POLICY. READ YOUR POLICY CAREFULLY. YOUR AGENT WILL ASSIST YOU WITH ANY
QUESTIONS ABOUT YOUR POLICY.

ASI HO 09 OTL 01 10 Page 2 of 2


THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

SINKHOLE LOSS COVERAGE AND CATASTROPHIC GROUND COVER COLLAPSE


COVERAGE – FLORIDA

“Sinkhole Loss” Deductible Percentage Amount*: 10%

*Entries may be left blank if shown on the declarations in this policy.

DEFINITIONS c. fences, walls, retaining walls, porches or


carports, unless they are required for the
For the purposes of this endorsement, the following structural integrity of the “principal building”;
definitions are added: d. driveways or sidewalks;
1. “Sinkhole” means a landform created by e. awnings, screened enclosures or other patio
subsidence of soils, sediment, or rock as covers;
underlying strata are dissolved by ground water. f. outdoor pools, spas, or hot tubs including
A “sinkhole” forms by collapse into subterranean their related equipment; or
voids created by dissolution of limestone or g. those portions of sprinkler systems or
dolostone or by subsidence as these strata are plumbing systems located outside of the
dissolved. “principal building” unless required for the
2. “Sinkhole activity” means settlement or legal habitation of the “principal building”.
systematic weakening of the earth supporting Under Form HO 00 06, this coverage is limited to
the “principal building” covered under Section I the alterations, appliances, fixtures and
of your policy. The settlement or systematic improvements which are part of the ”principal
weakening must result from contemporaneous building” and which are your insurance
movement or raveling of soils, sediments, or responsibility under a corporation or association of
rock material into subterranean voids created by property owners agreement.
the effect of water on limestone or similar rock Under Form HO 00 04, “principal building”
formations.
coverage does not apply.
3. “Sinkhole loss” means “structural damage” to the
6. “Structural damage” means the “principal building”,
“principal building” caused by “sinkhole activity”.
regardless of the date of its construction, has
4. “Catastrophic ground cover collapse” means experienced the following:
geological activity that results in all of the a. Interior floor displacement or deflection in
following: excess of acceptable variances as defined in
a. The abrupt collapse of ground cover; ACI 117-90 or the Florida Building Code,
b. A depression in the ground cover clearly which results in settlement related damage to
visible to the naked eye; the interior such that the interior building
c. “Structural damage” to the “principal structure or members become unfit for
building,” including the foundation; and service or represents a safety hazard as
d. The “principal building” being condemned defined within the Florida Building Code;
and ordered to be vacated by the b. Foundation displacement or deflection in
governmental agency authorized by law excess of acceptable variances as defined in
to issue such an order for that “principal ACI 318-95 or the Florida Building Code,
building”. which results in settlement related damage to
5. “Principal building” means the primary residential the “primary structural members” or “primary
building on the “residence premises” where you structural systems” that prevents those
reside, including its foundation, attached wall-to- members or systems from supporting the
wall carpeting, and attached garage.. loads and forces they were designed to
“Principal building” does not include: support to the extent that stresses in those
a. land; primary structural members or primary
b. appurtenant structures;

ASI HO 09 SH 08 12 Includes copyrighted material of ISO, Inc. with its permission. Page 1 of 6
structural systems exceeds one and one-third does not constitute a loss resulting from a
the nominal strength allowed under the “catastrophic ground cover collapse”.
Florida Building Code for new buildings of d. If the “principal building” suffers a
similar structure, purpose, or location; “catastrophic ground cover collapse”, you
c. Damage that results in listing, leaning, or must repair such damage or loss in
buckling of the exterior load bearing walls or accordance with the repair
other vertical primary structural members to recommendations made by the professional
such an extent that a plumb line passing engineer retained or approved by us.
through the center of gravity does not fall However, if the professional engineer
inside the middle one-third of the base as retained or approved by us determines that
defined within the Florida Building Code; the repair cannot be completed within policy
d. Damage that results in the building, or any limits, we will, at our option, either pay to
portion of the building containing primary complete the repairs recommended by the
structural members or primary structural professional engineer retained or approved
systems, being significantly likely to by us or pay the applicable policy limits.
imminently collapse because of the This coverage does not increase the limit of
movement or instability of the ground within liability that applies to the damaged property.
the influence zone of the supporting ground The SECTION I – Earth Movement and
within the sheer plane necessary for the Settlement exclusion 2. (exclusion 1.b. in Form
purpose of supporting such building as HO 00 03) does not apply to this coverage.
defined within the Florida Building Code; or “Sinkhole Loss” Coverage
e. Damage occurring on or after October 15,
a. We insure for “sinkhole loss” to the “principal
2005, that qualifies as “substantial structural building”, including any contents of personal
damage” as defined in the Florida Building property contained therein, if investigation
Code. proves that “structural damage” has occurred to
7. “Primary structural member” means a structural the “principal building” as a result of “sinkhole
element designed to provide support and activity”. “Sinkhole loss” coverage does not
stability for the vertical or lateral loads of the apply to Coverage B – Other Structures.
overall structure. “Sinkhole loss” coverage includes the costs
8. “Primary structural system” means an incurred to:
assemblage of “primary structural members”. (1) Stabilize the land and building; and
9. “Neutral evaluation” means Florida’s alternative
procedure for resolution of disputed “sinkhole (2) Repair the foundation;
loss” claims. in accordance with the recommendations of the
10. “Neutral evaluator” means a professional professional engineer who verifies the presence
engineer or a professional geologist who has of a “sinkhole loss” in compliance with Florida
completed a course of study in alternative “sinkhole” testing standards and with notice to
dispute resolution designed or approved by the you.
Florida Department of Financial Services (the The professional engineer must be retained or
Department) for use in the “neutral evaluation” approved by us.
process and who is determined by the b. This coverage does not increase the limit of
Department to be fair and impartial. liability that applies to the damaged covered
property.
SECTION I – PROPERTY COVERAGES The SECTION I – Earth Movement and Settlement
ADDITIONAL COVERAGES exclusion 2. (exclusion 1.b. in Form HO 00 03) does
not apply to this coverage.
The following Additional Coverages are added:
“Catastrophic Ground Cover Collapse” Coverage
SECTION I – EXCLUSIONS
a. We insure for direct physical loss to the
“principal building” caused by the peril of The following is added to item 11. Existing
“catastrophic ground cover collapse”. Damage:
b. Coverage C – Personal Property applies if c. Any damage caused by “sinkhole
activity” or “catastrophic ground cover
there is a direct physical loss resulting from a collapse” occurring prior to the inception
“catastrophic ground cover collapse”, unless of this policy.
the loss is excluded elsewhere in this policy.
c. Damage consisting merely of the settling or (This is added to Exclusion 1.k. in Form HO 00 03.)
cracking of a foundation, structure or building

Page 2 of 6 Includes copyrighted material of ISO, Inc. with its permission. ASI HO 09 SH 08 12
SECTION I – CONDITIONS b. Covered damage to the “principal building,”
Under 2. Your Duties After Loss: which does not include underpinning or
grouting or any other repair technique
The following is added to item a.: performed below the existing foundation of
(2) If this policy provides “sinkhole” the building, at actual cash value of the
coverage, any claim, including but not damage until actual repair or replacement is
limited to initial, supplemental, and complete. Once actual repair or replacement
reopened claims is barred unless notice is completed in accordance with the
of the claim is given to us within 2 years recommendations of the professional
after you knew or reasonably should engineer retained or approved by us, we will
have known about the “sinkhole loss”. settle the loss at replacement cost without
deduction for depreciation.
The following items are added:
i. You may not accept a “rebate” from any c. Covered “structural damage” to the
person performing repairs related to a “principal building” as follows:
“sinkhole loss” or “catastrophic ground cover (1) We will pay for “sinkhole loss”, subject
collapse.” If you receive a “rebate”, coverage to (9)(b) below, up to the applicable
is void and you must refund the amount of Section I limit of liability shown in the
the “rebate” to us. “Rebate” means a Declarations, subject your “Sinkhole
remuneration, payment, gift, discount, or Loss” Deductible.
transfer of any item of value to the (2) Subject to the applicable Section I limit
policyholder by or on behalf of a person of liability, this subsection c. through
performing the repairs specified in this subsection m. below, and all other
coverage as an incentive or inducement to coverage and terms under this policy,
obtain repairs performed by that person. we will pay the reasonable and
j. If coverage for “sinkhole loss” is available necessary expenses to stabilize the land
and we deny the claim without performing and “principal building” and repair the
testing under Section 627.7072, Florida foundation in accordance with the
Statutes, you may demand that we perform recommendations of the professional
such testing only by communicating your engineer retained or approved by us,
demand to us in writing within 60 days after with notice to you, provided these
you receive our denial of the claim. expenses are caused by a covered
However, you shall pay 50 percent of the “sinkhole loss.”
actual costs of the testing, analyses and (3) If the “principal building” suffers a
services or $2,500, whichever is less. We “sinkhole loss”, you must repair such
shall only reimburse you for the actual costs damage or loss in accordance with the
of the testing, analyses, and services if our repair recommendations of the
engineer or geologist provides written professional engineer retained or
certification that there is a “sinkhole loss.” approved by us. However, if the
k. You must make repairs for a “sinkhole loss” professional engineer retained or
in accordance with the repair approved by us determines that the
recommendations made by the professional repair cannot be completed within policy
engineer retained or approved by us. If you limits, we will, at our option, pay to
elect to complete repairs based on another complete the repairs recommended by
engineer’s recommendations, we are not the professional engineer retained or
approved by us or pay the applicable
obligated to reimburse you for such repairs.
policy limits.
With respect to “sinkhole loss” as provided in this
(4) In order to prevent additional damage, if
endorsement, 3. Loss Settlement is deleted and
the professional engineer retained or
replaced by the following:
approved by us recommends repairs,
3. Loss Settlement you must enter into a contract for the
In the event of a covered “sinkhole loss” payable performance of the “principal building”
under this endorsement, covered property losses stabilization and foundation repairs
are settled as follows. No other Loss Settlement recommended by the professional
provision of this policy applies to a covered “sinkhole engineer retained or approved by us
loss.” within 90 days after we notify you that
coverage for the loss has been
a. Personal Property at actual cash value at confirmed. This time period is tolled if
the time of loss but not more than the
amount required to repair or replace.

ASI HO 09 SH 08 12 Includes copyrighted material of ISO, Inc. with its permission. Page 3 of 6
you or we invoke the “neutral (10) If you have submitted a “sinkhole” claim
evaluation” process, and begins again without good faith grounds for
10 days after the conclusion of the submitting such claim, you request that
“neutral evaluation” process. “sinkhole” testing, analysis and services
be provided, we inform you in writing of
(5) We will pay no more than the actual your potential liability for reimbursement,
cash value of the damaged property, and the claim is not withdrawn prior to
which does not include underpinning or our ordering a “sinkhole” analysis to
grouting or any other repair technique investigate your claim, you are required,
performed below the existing foundation after we obtain written certification that
of the “principal building”, until you enter there is no “sinkhole activity”, to
into a contract for the performance of reimburse us for 50% of the actual
building stabilization or foundation costs, up to $2500, of the analysis and
repairs in accordance with the services provided by a professional
recommendations set forth in the report engineer or professional geologist to
created by the professional engineer conduct testing to determine the cause
retained or approved by us and issued of loss; pursuant to Florida Statutes
pursuant to section 627.7073, Florida 627.7072 and 627.7073.
Statutes.
(11) As a precondition to us issuing payment
(6) After you enter into the contract for the and you accepting payment from us for
performance of building stabilization and a “sinkhole loss”, you must file with the
foundation repairs, we will pay the county clerk of court a copy of any
amounts necessary to begin and “sinkhole” report regarding the insured
perform such repairs as the work is property which was prepared on your
performed and as the expenses are behalf or at your request. You shall bear
incurred by you. the cost of filing and recording any such
(7) The stabilization and all other repairs to “sinkhole” report.
the structure must be completed within (12) The “Sinkhole Loss” Deductible applies
12 months after entering into the to all “sinkhole losses”; is shown on the
contract for repairs described in Declarations Page; and applies
paragraph c.(6) above unless: separately to each covered “sinkhole
(a) There is a mutual agreement loss.”
between you and us; With respect to “sinkhole loss” as provided in this
(b) The claim is involved with the endorsement, Condition 6. Mediation or Appraisal
“neutral evaluation” process; is deleted and replaced by the following:
(c) The claim is in litigation; or 6. Alternative Dispute Resolution.
(d) The claim is under appraisal or a. Appraisal. If you or we fail to agree on the
mediation. amount of covered loss under this
(8) We may, at our option, and with written endorsement, either party may demand an
approval of any lienholder, make appraisal of:
payment directly to the persons selected (1) The amount of covered loss to
by you to perform the land and building personal property;
stabilization and foundation repairs. This (2) The amount of covered loss to the
decision to make payment to such “principal building,” which does not
persons does not hold us liable for the include underpinning or grouting or
work performed. any other repair technique
(9) If repair has begun and the professional performed below the existing
engineer retained or approved by us foundation of the building; or
determines that the repairs will exceed (3) Both.
the applicable limit of liability, we will at
our option, either: However, the amount of underpinning or
grouting or any other repair technique
(a) Pay to complete the professional performed below the existing foundation of
engineer’s recommended repairs; or the building is not eligible for appraisal
(b) Pay the policy limits without a because it is not payable until the work is
reduction for the repair expenses performed in accordance with the
incurred. recommendations of the professional

Page 4 of 6 Includes copyrighted material of ISO, Inc. with its permission. ASI HO 09 SH 08 12
engineer retained or approved by us and the (6) Neutral evaluation supersedes mediation
expenses are incurred. as an alternative dispute resolution tool
for coverage under this endorsement
In the event that you or we demand appraisal unless you and we agree in writing to use
for a qualifying type of loss, each party will mediation instead of neutral evaluation.
choose a competent appraiser within 20 days
after receiving a written request from the (7) Neutral evaluation does not invalidate the
appraisal clause contained in this
other. The two appraisers will choose an
endorsement.
umpire. If they cannot agree upon an umpire
within 15 days, you or we may request that With respect to “sinkhole loss” as provided in this
the choice be made by a judge of a court of endorsement, Condition 8. Suit Against Us is
record in the state where the “residence replaced by the following:
premises” is located. The appraisers will 8. Suit Against Us
separately set the amount of the loss. If the No action can be brought against us; unless:
appraisers submit a written report of an
agreement to us, the amount agreed upon a. There has been full compliance with all of the
will be the amount of the loss. If they fail to terms of this policy; and
agree, they will submit their differences to the b. The action is started within 5 years after the
umpire. A decision agreed to by any two will date of the loss;
set the amount of the loss. except that the time for filing suit is extended for a
period of 60 days following the conclusion of the
Each party will:
“neutral evaluation” process or 5 years, which
(1) Pay its own appraiser; and
ever is later.
(2) Bear the other expenses of the
With respect to “sinkhole loss” as provided in this
appraisal and umpire equally.
endorsement, Condition 10. Loss Payment is
b. “Neutral Evaluation” Program replaced by the following:
With respect to a claim for alleged “sinkhole 10. Loss Payment.
loss”, the “neutral evaluation” program is
available as follows: We will adjust all losses with you. We will pay you
unless some other person is named in the policy
(1) Following receipt by us of a report from a or is legally entitled to receive payment. Loss will
professional engineer or professional be payable pursuant to the Loss Settlement
geologist on the cause of loss and provisions of this endorsement.
recommendations for land and building
stabilization and repair of the foundation, The following Conditions are added:
or if we deny your claim, we will notify “Sinkhole Loss” Deductible
you of your right to participate in a The following replaces any other deductible
“neutral evaluation” program provision in this policy with respect to “sinkhole
administered by the Florida Department loss” covered under this policy.
of Financial Services (the Department.)
We will pay only that part of the total of all loss
(2) You or we may file a request with the payable under Section I that exceeds the
Department for “neutral evaluation”; the “Sinkhole loss” deductible.
other party must comply with such
requests. The dollar amount of the “sinkhole loss”
deductible is determined by multiplying the
(3) We will pay the costs associated with the Coverage A limit of liability shown in the
“neutral evaluation” regardless of which Declarations by the deductible percentage
party makes the request. amount shown in the Schedule above.
(4) The “neutral evaluator” will be selected (Under Form HO 00 04, the “sinkhole loss”
from a list maintained by the Department. deductible is multiplied by the Coverage C limit
The recommendation of the “neutral of liability.)
evaluator” will not be binding on us or the
insured. No Liability for Work Performed
(5) Participation in the “neutral evaluation” Upon completion of any building stabilization or
program does not change your right to foundation repairs for a verified “sinkhole loss”,
file suit against us in accordance with the professional engineer responsible for
Condition 8. Suit Against Us. monitoring the repairs shall issue a report to you

ASI HO 09 SH 08 12 Includes copyrighted material of ISO, Inc. with its permission. Page 5 of 6
which specifies what repairs have been
performed and certifies within a reasonable
degree of professional probability that such
repairs have been properly performed. The
professional engineer issuing the report shall file
a copy of the report and certification with the
county clerk of the court, who shall record the
report and certification.
We have no liability based on any representation
or certification by the professional engineer
related to the stabilization or foundation repairs
for the verified “sinkhole loss”. Our decision to
make payment for land and building stabilization
and foundation repairs does not hold us liable
for the work performed.
SECTION I AND II – CONDITIONS
The following is added to item 6. Nonrenewal:
b. On the basis of filing of claims for “sinkhole
loss”. However, we may elect not to renew
this policy if:
(1) The total of such claim payments for
“sinkhole loss” equals or exceeds the
policy limits of coverage for the policy in
effect on the date of loss, for property
damage to the covered building, as set
forth on the declarations page; or
(2) You have failed to repair the structure in
accordance with the engineering
recommendations upon which any loss
payment or policy proceeds were based.
All other provisions of this policy apply.

Page 6 of 6 Includes copyrighted material of ISO, Inc. with its permission. ASI HO 09 SH 08 12
TABLE OF CONTENTS
For use with Form HO 00 04

DEFINITIONS ……………………………..……………………………………………1

SECTION I COVERAGES

COVERAGE C – PERSONAL PROPERTY ………………………………………...2


COVERAGE D – LOSS OF USE ……………………………………………………..3
ADDITIONAL COVERAGES ………………………………………………………….4
PERILS INSURED AGAINST ………………………………………………………...6
EXCLUSIONS …………………………………………………………………………..7
CONDITIONS …………………………………………………………………………...7

SECTION II LIABILITY

COVERAGE E – PERSONAL LIABILITY …………………………………………. 9


COVERAGE F – MEDICAL PAYMENTS TO OTHERS ………………………….. 9
EXCLUSIONS ………………………………………………………….……………....9
ADDITIONAL COVERAGES ……………………………………….………...……..12
CONDITIONS……………………………………………………………………..……13

GENERAL POLICY CONDITIONS ……………………………………………………. 14

Your policy is valid only if our agent countersigns it on the Declarations Page. Your
policy is executed by officers of the Company.

________________________ _______________________
President Secretary

ASI HO4 09 COV 10 08


HOMEOWNERS
HO 23 86 01 06

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

PERSONAL PROPERTY REPLACEMENT COST


LOSS SETTLEMENT – FLORIDA
A. Eligible Property B. Ineligible Property
1. Covered losses to the following property are Property listed below is not eligible for replace-
settled at replacement cost at the time of the ment cost loss settlement. Any loss will be settled
loss: at actual cash value at the time of loss but not
a. Coverage C; and more than the amount required to repair or re-
place.
b. If covered in this policy:
1. Antiques, fine arts, paintings and similar arti-
(1) Awnings, outdoor antennas and outdoor cles of rarity or antiquity which cannot be re-
equipment; and placed.
(2) Carpeting and household appliances; 2. Memorabilia, souvenirs, collectors items and
whether or not attached to buildings. similar articles whose age or history contribute
to their value.
2. This method of loss settlement will also apply
to the following articles or classes of property if 3. Articles not maintained in good or workable
they are separately described and specifically condition.
insured in this policy and not subject to agreed 4. Articles that are outdated or obsolete and are
value loss settlement: stored or not being used.
a. Jewelry; C. Replacement Cost Loss Settlement Condition
b. Furs and garments: The following loss settlement condition applies to
(1) Trimmed with fur; or all property described in A. above:
(2) Consisting principally of fur; 1. We will pay no more than the least of the fol-
lowing amounts:
c. Cameras, projection machines, films and
related articles of equipment; a. Replacement cost at the time of loss with-
d. Musical equipment and related articles of out deduction for depreciation;
equipment; b. The full cost of repair at the time of loss;
e. Silverware, silver-plated ware, goldware, c. The limit of liability that applies to Coverage
gold-plated ware and pewterware, but ex- C, if applicable;
cluding: d. Any applicable special limits of liability
(1) Pens or pencils; stated in this policy; or
(2) Flasks; e. For loss to any item described in A.2.a. – f.
(2) Smoking implements; or above, the limit of liability that applies to the
item.
(3) Jewelry; and
2. We will settle the loss as follows:
f. Golfer's equipment meaning golf clubs, golf
clothing and golf equipment. a. If the Mobilehome Endorsement is not
made a part of this policy, we will settle the
Personal Property Replacement Cost loss settle- loss as noted in Paragraph C.1. above
ment will not apply to other classes of property whether or not actual repair or replacement
separately described and specifically insured. is complete.

HO 23 86 01 06 © ISO Properties, Inc., 2005 Page 1 of 2


b. If the Mobilehome Endorsement is made a (2) You may make a claim for loss on an
part of this policy: actual cash value basis and then make
(1) If the cost to repair or replace the prop- claim for any additional liability in accor-
erty described in A. above is more than dance with this endorsement provided
$500, we will pay no more than the ac- you notify us of your intent to do so
tual cash value of the loss until the ac- within 180 days after the date of loss.
tual repair or replacement is complete. All other provisions of this policy apply.

Page 2 of 2 © ISO Properties, Inc., 2005 HO 23 86 01 06