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YETI INSURANCE AGENCY LLC
12565 NATIONAL RD SW STE B April 9, 2023
ETNA OH 43062
Policy Number: OK7309584
24-Hour Claims: 1-800-332-3226
Policy Service: (817) 706-3763
Online Account Services: www.safeco.com
THIS IS NOT A BILL.
DAMBER TIMSINA
DADHI TIMSINA
1114 MONECA ST
BLACKLICK OH 43004-9035
Thank you for allowing us to continue serving your home insurance needs. We appreciate your
business and the trust that you have placed in us.
This renewal reflects adjustments to your dwelling, other structures, and personal property limits.
We have adjusted your dwelling coverage limit to reflect increases in labor and materials costs in
your area. As part of your responsibility to maintain adequate amounts of insurance, please
contact your agent to ensure that your limits reflect your dwelling’s current features and
characteristics, particularly if you have remodeled recently.
Your other structures and personal property limits, which are based on your dwelling coverage,
have also been adjusted. You should review whether your coverage is adequate at least
annually, and after each significant personal property purchase. If you would like to change
your limits, or schedule any of your high value items, please contact your agent.
With this renewal the following changes were made, including those requested by you or your
agent or broker:
- Your Dwelling Limits (Coverage A) changed from $365,000 to $391,300. Other coverage limits
listed below also changed since they are factors of your dwelling limits.
- Your Other Structure Limits (Coverage B) changed from $36,500 to $39,130.
- Your Personal Property Limits (Coverage C) changed from $182,500 to $195,650.
- Your Additional Living Expense (Coverage D) changed from $73,000 to $78,260.
We would also like to draw your attention to the following:
• Your new policy period begins May 18, 2023. The 12-month premium for this policy is
$1,526.00 for the May 18, 2023 to May 18, 2024 policy term.
• This is not a bill. Your bill will be sent in a separate mailing approximately 25 days before it
is due. It will provide an explanation of any money owed, your payment options with
applicable fees and your payment due date.
PLEASE SEE REVERSE
AMERICAN ECONOMY INSURANCE COMPANY (A SAFECO Company)
P O BOX 704000, SALT LAKE CITY, UT 84170
OC-429/EP 10/13
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Your renewal premium is $1,526.00. We have sent a bill for this amount to your mortgage
servicing company.
If you have any questions or wish to make any changes to your policy, you can do so by calling
your agent at (817) 706-3763.
We appreciate the opportunity to serve you. Thank you.
OC-430/EP 5/98
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Ask yourself: Do you have
enough insurance coverage?
How much would it take to reconstruct your home?
Surprisingly, it has been estimated that 58% of American homes are underinsured by an average of
21%*. Make sure yours isn’ t one of them.
Each home is unique. You know your home best. It’ s your responsibility to make sure you’ re “fully
insured” and “insured to value.” That means you need to have enough insurance coverage to rebuild your
home and replace all of your personal belongings in the event of total loss.
How can you determine your needs? Ask yourself the questions below. If you need help
answering them, call your agent and discuss your insurance needs with them.
They will assist you in determining how much insurance would be needed to fully protect your home and
belongings.
How much would it take to reconstruct your home at today’s prices?
Things to consider:
• Your home’ s age (older homes tend to be more expensive to reconstruct) and style
(contemporary, colonial, ranch, etc.)
• Features — fireplaces, cabinetry, built-in features, vaulted ceilings
• Flooring — hardwood, tile, natural stone, carpeting
• Finishes — crown molding, window and floor trim, faux paint, wall paper, wainscoting, chair
rails, staircases, etc.
• Recent improvements you may have made (remodeled bathroom or kitchen, recessed lighting,
built-in cabinets)
• A basement you may have finished or a room you may have added
How much is enough to replace the structures surrounding your home at today’s prices?
Things to consider:
• Your fence, detached garage, gazebo, barn or storage shed
• If you have an in-ground swimming pool or just repaved your driveway or sidewalk
What would it take to replace your personal belongings at today’s prices?
Things to consider:
• All your basics (furniture, rugs, linens, kitchenware, tools) and every electronic gadget
• Your entire wardrobe, your jewelry, medicines and personal effects
• Have you made any big purchases lately?
• If you have a garage full of tools, are passionate about the latest gadgets or collect just about
anything, you should seriously consider getting more personal belongings coverage than the
standard policy provides.
*Copyright 2008 Marshall & Swift / Boeckh, LLC and its licensors. All rights reserved. Used with
permission.
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Let’s make sure you’re “fully insured.”
Your agent uses replacement cost estimation tools to establish a starting point for your insurance
coverage. But you know your home best. And we look to you to give your agent the most complete, up-to-
date information in order to protect your home and lifestyle. Here are two quick things you can do today:
1. Look critically at your coverage statement page (also known as the policy declarations page,
which comes after the opening letter in this package). Do you believe you have enough
Coverage A? (This is the amount you’ d get for reconstruction of an as-close-as-possible replica of
your home in the event of total loss.) If you’ re not sure, call your agent for help.
2. Take inventory. Compare the value of your personal belongings to the Coverage C amount on your
coverage statement page.
It’s important to know: your home’s market value is totally different from what it would cost to
reconstruct. Today’ s market value reflects economic conditions, taxes, school districts, the market value
of land and many other factors that have nothing to do with how much it would cost to reconstruct your
home from scratch.
Reconstruction cost — the amount needed to get you back home quickly — is based almost exclusively
on the cost of materials and labor as well as demand for contractor services. In the event of total loss, a
properly insured Safeco policyholder can rebuild with the same quality of materials and workmanship in
their current home (unless a functional replacement cost policy was deliberately selected). Of course, we
hope you’ ll never need these services. But we’ ll all sleep better knowing you’ re fully insured.
Thank you for trusting Safeco with your home insurance needs.
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NOTICE OF INFORMATION PRACTICES
Safeco appreciates the trust you place in us when you purchase insurance from one of our companies.
We are committed to protecting your nonpublic personal information (“personal information” or
“information”) and we value you as a customer.
To learn more about how we collect and use information about you, please read the following notice.
OUR SOURCES OF INFORMATION ABOUT YOU
Most of the information we obtain comes directly from you and your independent insurance producer.
Your application gives us information we need to review your request, such as your name, address and
Social Security Number.
We may also ask for information from other outside sources, including:
• Your transactions with our affiliates or other insurance companies (such as your payment
history or claims history); and/or,
• The information we receive from a consumer reporting agency or insurance support
organization (such as your credit history, driving record, claims history or verification of the
value and condition of your property).
Insurance support organizations from which we obtain information may keep such information and
disclose it to others as permitted by law.
If we obtain medical information about you, it is generally received in connection with the administration or
management of your insurance policy or claim or for the detection and prevention of fraud. We will not
share your medical information with our affiliates or non-affiliates for marketing purposes.
It is our policy to treat information we receive about you in the same confidential way we treat information
that you have provided to us on your application. The same confidentiality applies to information about
our former customers.
OUR USE OF INFORMATION ABOUT YOU
We only disclose personal information about you as permitted by law. Generally, this includes sharing it
with third parties to administer your transactions with us, service your insurance policy or claim, detect
and prevent fraud, or with your authorization. We require these parties to use your personal data only for
the reasons we gave it to them. These third parties may include:
• Insurance support organizations, consumer reporting agencies or other insurance companies
(including for the detection and prevention of fraud);
• Independent insurance producers authorized to sell Safeco insurance products;
• Independent contractors (such as automobile repair facilities, towing companies, property
inspectors and independent claims representatives);
• Auditors, attorneys, courts and government agencies;
• Other companies which may reinsure your policy or with which you have other coverage;
• Group policyholders in connection with reporting claims data or an audit; and/or,
• Other companies and insurance support organizations for actuarial or research studies.
We may also disclose your personal information to other financial institutions with which we have joint
marketing agreements for products offered by Safeco and in response to judicial orders such as
subpoenas.
We may also share information about our transactions (such as payment history) and experiences (such
as claims made) with you within our Safeco family of companies.
We do not sell your personal information to others and we do not provide your information to third parties
who are doing business on our behalf for their own marketing purposes.
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PROTECTING YOUR INFORMATION FROM UNAUTHORIZED ACCESS
We maintain physical, electronic and administrative safeguards to protect your information from unauthorized
access. Our employees are authorized to access customer information only for legitimate business purposes.
INDEPENDENT SAFECO INSURANCE AGENTS
The independent insurance producers authorized to sell Safeco products are not Safeco employees and are
not subject to Safeco’ s privacy policy. Because they have a unique business relationship with you, they may
have additional personal information about you that Safeco does not have. They may use this information
differently than Safeco. Contact your Safeco producer to learn more about their privacy practices.
HOW YOU CAN REVIEW YOUR INFORMATION
You can request a copy of the information about you in our files to review it for accuracy. You must make
your request in writing. Within 30 business days (or as required by law) of receiving your request, we will
send you the information. We will advise you of any person or group to whom we have given the information
during the last two years. We will also give you the name and address of any reporting organization from
which we received information about you.
There are certain types of information, such as information collected when we evaluate a claim or when
the possibility of a lawsuit exists, that we are not required to provide you. We obtain medical information
about you only in connection with claims and lawsuits. If the law allows you to review such information in
our files, we will include it with the other information we send to you.
IF YOU DISAGREE WITH OUR RECORDS
If you believe information in our files is wrong, you can notify us in writing. We will review your file within
30 business days of receiving your notice. If we agree with you, we will amend our records and notify you
about the change. This change will become part of the file. It will be included in any future disclosures to
others and will be sent to:
• Anyone you designate who may have received the information during the previous two years.
• Any person or organization who may have received the information from us during the previous
seven years.
• Insurance support organizations that provided the information that was amended or changed
pursuant to your request.
If we disagree with you, we will explain why. You can provide us with a written statement explaining why
you believe the information is wrong. This statement will become part of the file and will be included in
any future disclosures of the disputed subject matter. Your statement will also be sent to the persons
listed above.
SAFECO’S WEB SITE
If you have Internet access and want to learn more about our web site specific privacy and security practices,
click on the Privacy Policy link on www.safeco.com.
This Privacy Statement applies to the following members of the Safeco family of companies:
American Economy Insurance Company
American States Insurance Company
American States Insurance Company of Texas
American States Preferred Insurance Company
First National Insurance Company of America
General Insurance Company of America
Insurance Company of Illinois
Safeco Insurance Company of America
Safeco Insurance Company of Illinois
Safeco Insurance Company of Indiana
Safeco Insurance Company of Oregon
Safeco National Insurance Company
Safeco Surplus Lines Insurance Company
(For mailing address, please contact your agent of the nearest local Safeco office.)
2011 Safeco Insurance Company of America, Member of Liberty Mutual Group. All Rights Reserved.
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Information about your Policy
Policy Number: OK7309584
DAMBER TIMSINA
DADHI TIMSINA
1114 MONECA ST
BLACKLICK OH 43004-9035
Like many insurance companies, Safeco Insurance considers many factors, including information based on your
credit history, to determine your premium. You have the option to request that we re-evaluate your insurance
policy using current credit information. If you request that we update your credit information, it may result in a
quoted premium either higher or lower than your current premium. To submit a request, return this form to Safeco
Insurance, Attn: Policy Support, P.O. Box 704000, Salt Lake City, UT 84170-4000 or fax it to (877) 344-5107. You
may submit a request once every 12 months or as otherwise permitted by law. Any changes will be applied at
your next renewal.
By returning this form, you request Safeco Insurance to re-evaluate your policy based on your current credit
information.
CN-7402/EP 8/15
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AMERICAN ECONOMY INSURANCE COMPANY (A SAFECO Company)
Administrative office: 175 Berkeley St., Boston, MA 02116 (A stock insurance company.)
HOMEOWNERS POLICY DECLARATIONS
POLICY NUMBER: POLICY PERIOD: FROM: MAY 18, 2023 12:01 A.M.
OK7309584 TO: MAY 18, 2024 12:01 A.M.
NAMED INSURED AND MAILING ADDRESS:
DAMBER TIMSINA AGENT:
DADHI TIMSINA YETI INSURANCE AGENCY LLC
1114 MONECA ST 12565 NATIONAL RD SW STE B
BLACKLICK OH 43004-9035 ETNA OH 43062
Valued Homeowners Customer Since: MAY 18, 2022
INSURED LOCATION:
Same POLICY SERVICE INFORMATION:
TELEPHONE: (817) 706-3763
E-MAIL: CONTACT@YETIINSURANCELLC.COM
WEBSITE: www.yetiinsurancellc.com
IMPORTANT MESSAGES
- Your policy has renewed effective May 18, 2023.
LIMITS OF LIABILITY
(Policy Section I - Property Coverages and Section II - Liability Coverages)
$391,300 $39,130 $195,650 $78,260 $300,000 $5,000
DEDUCTIBLES.
The following deductibles apply unless otherwise stated within the policy.
AMOUNT
Section I - Property Coverages $ 1,000
PREMIUM
BASIC COVERAGES $ 1,526.00
OTHER COVERAGES, LIMITS AND OPTIONAL COVERAGES $ 0.00
DISCOUNTS AND SURCHARGES You Saved $679.00 Included
TOTAL POLICY PREMIUM: $ 1,526.00
Premium Payer: Servicing Mortgagee
You may pay your premium in full or in installments. There is no installment fee for
the following billing plans: Full Pay. Installment fees for all other billing plans
are listed below. If more than one policy is billed on the installment bill, only
the highest fee is charged. The fee is:
$2.00 per installment for recurring automatic deduction (EFT)
$5.00 per installment for recurring credit card or debit card
$6.00 per installment for all other payment methods
CONTINUED ORIGINAL
HOM-7000/EP 1/09 Page 1 of 3 DATE PREPARED: APR. 9 2023
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AMERICAN ECONOMY INSURANCE COMPANY (A SAFECO Company)
HOMEOWNERS POLICY DECLARATIONS
CONTINUED POLICY NUMBER: OK7309584
Servicing Mortgagee
ROCKET MORTGAGE LLC
ISAOA / ATIMA
PO BOX 202070
FLORENCE SC 29502-2070
LOAN NUMBER: 3505416389
ROOF LOSS SETTLEMENT
SETTLEMENT TYPE YR OF INSTALLATION SURFACING MATERIAL LOSS PERCENTAGE
Replacement Cost 2001 ASPHALT 100.00%
POLICY LIMITS AND OTHER ADDITIONAL COVERAGES
(Unless otherwise stated, all limits and coverages are included in basic coverages)
COVERAGE LEVEL: ESSENTIAL
SECTION I - PROPERTY COVERAGES
COVERAGE C - PERSONAL PROPERTY - 3. SPECIAL LIMITS OF LIABILITY
a.Money, pre-paid cards... $ 250 h.Business Property
b.Rare coins and currency... $ 500 On Premises... $ 3,000
c.Securities, debit cards... $ 500 Off Premises Sub-limit $ 1,000
d.Watercraft... $ 3,000 i.Tapes, records, discs... $ 500
e.Trailers... $ 3,000 j.Theft of rugs... $ 5,000
f.Theft of jewelry, watches... $ 500 k.Grave Markers... $ 500
g.Theft of silverware... $ 500
OTHER INCLUDED COVERAGES/POLICY PROVISIONS Limit Premium
Loss Assessment Coverage $ 500 Included
Building Ordinance or Law Coverage ( 10%) $ 39,130 Included
Fungi, Wet or Dry Rot, or Bacteria $ 5,000 Included
Reasonable Repairs $ 5,000 Included
Fire Department Service Charge $ 500 Included
Land Stabilization $ 5,000 Included
Arson Reward $ 25,000 Included
Criminal Conviction Reward - Item a. Information $ 2,500 Included
Criminal Conviction Reward - Item b. Property Recovery $ 5,000 Included
Credit Card, Fund Transfer, Forgery & Counterfeit Money $ 500 Included
Volunteer America Included
Section I (All Perils Coverage) Included
Section II - Liability Coverage Included
Section II - Property Damage $ 2,000 Included
OPTIONAL COVERAGES Limit Premium
Escape of Water from Sump (Building/Contents) $ 5,000 Included
Replacement Cost on Roof Surfacing (Wind or Hail) Included
DISCOUNTS AND SURCHARGES Premium
Multi-Policy Auto Discount Included
Claim Free Discount Included
Paid In Full Discount Included
Advance Quote Discount Included
For information on other deductibles, coverages or discounts available in your state
or to review your account online, log on to www.safeco.com
FORMS APPLICABLE TO THIS POLICY:
HOM-7311/EP 1/09 - ESCAPE OF WATER FROM SUMP/SUMP PUMP DRAIN (BLDG AND CONT)
HOM-7232/EP 1/09 - EXECUTION CLAUSE
CONTINUED
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AMERICAN ECONOMY INSURANCE COMPANY (A SAFECO Company)
HOMEOWNERS POLICY DECLARATIONS
CONTINUED POLICY NUMBER: OK7309584
HOM-7130/OHEP 2/22 - SPECIAL PROVISIONS - OHIO
HOM-7030/EP 11/19 - SAFECO HOMEOWNERS POLICY
HOM-7336/EP 11/19 - REPLACEMENT COST ON ROOF SURFACING FOR WINDSTORM OR HAIL LOS
HOM-7001/EP 1/09 Page 3 of 3 DATE PREPARED APR. 9 2023
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