Post Office Box 147018

Gainesville, FL 32614-7018

Charles Radeline
17209 BREEDERS CUP DR
00104800000 W020633697 406414 LDEC D

ODESSA, FL 33556
This page is intentionally left blank
 May 10, 2024

Dear Charles,

Thank you for choosing Tower Hill Insurance for your home insurance needs. Founded in 1972, Tower Hill
has been protecting Florida’s homes and families for more than 50 years. Florida is our home too, so we
00204800000 W020633697 406414 LDEC D

understand better than most what it means when a storm or hurricane is on the horizon. In partnership with
your local insurance agency, we’re dedicated to providing you with peace of mind during storm season
and all year round.

We’re committed to being there when you need us most, helping you to repair or rebuild as quickly as
possible when your home is damaged. CastleCare, our network of credentialed contractors exclusively for
Tower Hill customers, provides expert repair service in specialty areas ranging from fire mitigation to
roofing, and general construction to plumbing. When your home has a covered loss, CastleCare also
provides emergency repair services 24/7 such as water extraction, board up and roof tarping. Contact
CastleCare 24/7 at 844.TOWER.11 (844.869.3711).

YOUR INSURANCE POLICY

We’re excited to welcome you as a subscriber in, Tower Hill Insurance Exchange (Exchange), the newest
member in the Tower Hill Family of Companies. Exchange is a reciprocal insurer whereby the
policyholders, also known as members or subscribers, insure each other and share in the underwriting
profits generated via subscriber savings accounts (SSA).

As a member of Exchange, you are required to sign the Subscriber Agreement/Power of Attorney form,
giving us permission to manage the day-to-day operations of Exchange on your behalf. Unfortunately, if
you do not provide your consent with the signed agreement, the policy will be subject to cancellation.

Please return your signed agreement to us electronically, online through your Customer Portal
account, by email, by mail, or provide to your insurance agent for submission.

Electronically
Scan the QR code below using your smart phone or mobile device, or click here to access your
personalized link to your agreement:
https://oasis.thig.com/ssa/DVLJ3DWNRGIRYGFVSX-AMG

Online
Log in to your secure account at THIG.com/Portal. Then follow the prompts to review and digitally
sign the agreement.

Email
Scan in your signed agreement and email a copy to us at TowerExchange@THIG.com. To avoid
delays in processing, please include your policy number in the subject line of the email.

Mail
Send your signed agreement to us at Tower Hill Insurance Group / ATTN: UW Operations / PO Box

Please refer to your enclosed policy declarations page for important details about your coverages. For

Tower Hill Insurance Group | PO Box 147018, Gainesville, FL 32614 | (800) 342-3407 | THIG.com
quick reference, below is some key information related to your insurance policy for the following location:
17209 BREEDERS CUP DR, ODESSA, FL 33556.
Your Policy # Insurance Company Policy Effective Date
W020633697 Tower Hill Insurance Exchange May 10, 2024

YOUR INSURANCE AGENT

If you have questions about your policy coverages or to request changes to your policy, please contact
your insurance agent.

Your Insurance Agency Phone Number Agency Email

ACG Insurance Agency (800) 891-4222

YOUR ONLINE ACCOUNT AT THIG.COM

To access your policy documents, pay your bill, or report a claim and track its progress 24/7, create your
Tower Hill account online using our secure Customer Portal: https://customerportal.thig.com/
To create your account at THIG.com, you’ll need the following:

Policy Number Agency Code ZIP Code (of Location Address)

W020633697 0035 33556

Go green and save time by selecting our eDocs option to receive your notifications by email.

Have a question? We're here to help!

Make a payment online through your secure online account at THIG.com or by

phone, using ACH, debit or credit card (VISA, Mastercard, Discover and
American Express).
PAYMENTS As a convenience to our customers, we offer the option of debit or credit card
payments through our third-party vendor, One Inc. To use this payment
option, there is an additional processing fee charged by and paid directly to the
vendor.

THIG.COM or When paying your bill by mail, please use the payment coupon and envelope
(800) 342-3407 included with your invoice. Write the policy number in the memo field of your
check. If you’re sending a money order or cashier’s check, include your name
as listed on your policy.
MAIL TO: Tower Hill Insurance Group
PO BOX 947001
Atlanta, GA 30394-7001

CUSTOMER
SERVICE Call our Customer Service Center with billing questions, for help with payment
plan options, or to make an e-check payment by phone Monday through
Friday 8am to 6pm (ET).
(800) 342-3407

Tower Hill Insurance Group | PO Box 147018, Gainesville, FL 32614 | (800) 342-3407 | THIG.com
 Please report your claim as soon as possible after you experience damage to
your home or property. For your convenience, you can report a claim by phone
CLAIMS or online (THIG.com/Portal). Using our secure Customer Portal, you can
upload photos of damage and supporting documentation to your account. You
can also track the status of your claim on Customer Portal.
Need emergency repair services? 844.TOWER.11 (844.869.3711)
THIG.COM/PORTAL Exclusively for Tower Hill customers, CastleCare is our credentialed
or contractor network program dedicated to assisting you when emergency
(800) 342-3407 services, repairs or rebuilding are necessary. Completed projects qualify for
CastleCare’s Quality Assurance Program, which provides a warranty on
workmanship (5 years) and materials (1 year).
00304800000 W020633697 406414 LDEC D

DID YOU KNOW? Every June through November during hurricane season, we actively conduct outreach
via text messages and emails to customers when a geographical area is threatened. Outreach text
messages and emails include a personalized link you can use to report storm damage and initiate a claim
directly from your mobile device, even if you don’t have your policy number handy. To receive these timely
updates during hurricane season, please be sure to provide us with your mobile number and email
address.

We value you as a customer and will work tirelessly to deserve the trust you have placed in us.
To Protect Your Castle, Look to the Tower.

Tower Hill Insurance

Tower Hill Insurance Group | PO Box 147018, Gainesville, FL 32614 | (800) 342-3407 | THIG.com
This page is intentionally left blank
 TOWER HILL INSURANCE EXCHANGE
Summary of Subscriber’s Agreement and Power of Attorney
00404800000 W020633697 406414 LDEC D

Tower Hill Insurance Exchange (“Tower Hill Exchange”) is a reciprocal insurance exchange
organized under the laws of Florida, existing for the benefit of its subscribers. As a reciprocal
insurance exchange, Tower Hill Exchange is an unincorporated association of subscribers operating
through the contractual arrangements set forth in a Subscriber's Agreement and Power of Attorney
(the “Agreement”). Under Florida law and pursuant to the Agreement, Tower Hill Exchange and its
subscribers appoint a third party, known as an attorney-in-fact, to manage and administer Tower Hill
Exchange’s operations and affairs on behalf of all of the subscribers.

The attached Agreement provides the terms of your relationship with Tower Hill Exchange and
appoints Tower Hill Risk Management, LLC, a Florida limited liability company (“Tower Hill Risk
Management”), as Tower Hill Exchange’s attorney-in-fact. Please review the attached Agreement
and sign below to acknowledge your intention to be legally bound by the terms and
conditions of the Agreement.

A summary of certain key business provisions of the Agreement is set forth below:

Non-Assessable Policies: Tower Hill Exchange will only issue non-assessable policies consistent
with all applicable state statutes. Your liability as a subscriber of Tower Hill Exchange is limited to
the costs of your insurance including premiums and surplus contributions (described below) for your
policies.

Surplus Contributions: Along with your policy premium, you will pay surplus contributions to Tower
Hill Exchange, which lowers Tower Hill Exchange’s cost of capital and allows it to offer more
competitively priced insurance to its subscribers. These contributions will be collected along with
your policy premium and are set at 10% of total annual insurance premium. For any given year,
Tower Hill Risk Management will have the discretion to lower the required surplus contribution,
based on the capital needs of Tower Hill Exchange.

Management of Tower Hill Exchange: You will be appointing and designating Tower Hill Risk
Management to be the attorney-in-fact for Tower Hill Exchange. Tower Hill Risk Management is a
for-profit limited liability company. As the attorney-in-fact, Tower Hill Risk Management will manage
all of the insurance operations of Tower Hill Exchange on behalf of you and all of the other
subscribers. Tower Hill Risk Management may delegate the performance of some or all of its
responsibilities to third parties.

Subscribers’ Advisory Committee: Tower Hill Exchange has established a Subscribers’ Advisory
Committee (“SAC”) for the benefit of its subscribers. The SAC, an advisory body, will oversee the
finances and operations of Tower Hill Exchange to assure conformity with the Agreement and to
exercise subscribers’ rights under Florida law and the Agreement. The SAC will provide subscribers
with an avenue for expressing their thoughts in connection with the operation of Tower Hill
Exchange. Tower Hill Exchange will indemnify SAC members for, and you will agree not to sue them
in connection with, their service on the SAC. You can learn more about the powers, duties and
composition of the SAC and its members by visiting www.thig.com/thie/sac.

W020633697 Page 1 of 7 (rev 04/2023)

Management Compensation: In exchange for services rendered, Tower Hill Exchange will
compensate Tower Hill Risk Management 17% of annual gross premium written by the Tower Hill
Exchange for marketing and underwriting services. Additionally, Tower Hill Exchange will
compensate Tower Hill Claims Service, LLC, and Bluegrass Insurance Management, LLC for claims
management pursuant to a Claims Service Agreement and will pay per policy fees to Tower Hill
Insurance Group, LLC pursuant to a Managing General Agency Agreement. Tower Hill Risk
Management is authorized to utilize Tower Hill Exchange’s funds to pay Tower Hill Exchange’s
expenses, including the cost of any director and officer liability insurance coverages for Tower Hill
Risk Management and members of the SAC. These compensation arrangements are governed by
the AIF Agreement available at www.thig.com/thie/aif.

Subscriber Savings Accounts: Tower Hill Exchange conducts its operations for the benefit of its
subscribers and, as a result, it may, in its discretion, allocate a portion of its profits to its members.
Any such distributions will be subject to Tower Hill Exchange’s performance, overall financial
strength and regulatory approval. Tower Hill Risk Management will contact you directly once more
information on member rewards becomes available. For more information, visit
www.thig.com/thie/ssa.

The above is only a summary of certain provisions of the Agreement and does not purport to
describe all of the terms of the Agreement. The summary is qualified in its entirety by reference to
the complete text of the Agreement, which is attached hereto. You are urged to read the Agreement
in its entirety because it is the primary legal document that governs your contractual relationship with
Tower Hill Exchange.

W020633697 Page 2 of 7 (rev 04/2023)

 TOWER HILL INSURANCE EXCHANGE
Subscriber’s Agreement and Power of Attorney
00504800000 W020633697 406414 LDEC D

The subscriber to the Tower Hill Insurance Exchange, a reciprocal insurance exchange organized
under the laws of Florida (“Tower Hill Exchange”), by signing the summary and cover letter attached
hereto (the “Subscriber”) agrees with all other subscribers to Tower Hill Exchange, and with Tower
Hill Risk Management, LLC, a Florida limited liability company (“Tower Hill Risk Management”), as
the attorney-in-fact for Tower Hill Exchange, as follows (this “Agreement”):

1. Power of Attorney.

1.1 Designation. The Subscriber hereby appoints Tower Hill Risk Management as the
Attorney-In-Fact for Tower Hill Exchange with the express power, authority, and permission to
effectuate and conduct the lawful business affairs of Tower Hill Exchange. This authority includes the
ability to carry out all customary functions of a reciprocal insurance company, including but not
limited to the following responsibilities: (a) exchange, with other subscribers to Tower Hill Exchange,
any and all kinds of reciprocal insurance contracts, which Tower Hill Exchange is authorized by law
to write; (b) issue, exchange, renew, non-renew, cancel or modify insurance policies; (c) act as
intermediary to obtain reinsurance; (d) appear for, compromise, prosecute, adjust, settle, defend,
litigate, appeal, and pay claims or losses under the insurance policies of subscribers; (e) accept
service of process on behalf of Tower Hill Exchange in actions against Tower Hill Exchange upon
contracts exchanged; (f) open accounts and borrow money in the name of Tower Hill Exchange; (g)
negotiate a contract with and supervise a managing general agent and claims company which will
perform services to Tower Hill Exchange; (h) hire and compensate personnel and agents; (i) collect
premiums and invest and reinvest funds; (j) receive notices and proof of loss; (k) administer
subscriber accounts, including their respective Subscriber Savings Accounts, if applicable, including
allocations thereto and distributions therefrom; and (l) to conduct the business and affairs of Tower
Hill Exchange as set forth herein, in the organizational documents of Tower Hill Exchange, and the
AIF Agreement, dated December 24, 2021, between Tower Hill Exchange and Tower Hill Risk
Management (the “AIF Agreement”).

1.2 Limited Power of Attorney. Under applicable law, this power of attorney may: (a)
provide for the right of substitution of the attorney and revocation of the power of attorney and rights
thereunder; (b) impose such restrictions upon the exercise of the power as are agreed upon by the
subscribers; (c) provide for the exercise of any right reserved to the subscribers directly or through
their advisory committee; and (d) contain other lawful provisions deemed advisable. This power of
attorney is limited to the purposes described in this Agreement.

1.3 Offices of Attorney-In-Fact. The Tower Hill Risk Management offices will be the same
as the principal office of Tower Hill Exchange, located at 7201 N.W. 11th Place, Gainesville, Florida
32605. The offices of Tower Hill Exchange or Tower Hill Risk Management may be changed in
compliance with the requirements of the laws of the State of Florida and the Subscriber will be
promptly notified of any such change of office location and when any such change shall be effective.

1.4 AIF Agreement. The AIF Agreement between Tower Hill Exchange and Tower Hill Risk
Management, which establishes Tower Hill Risk Management as the attorney-in-fact for Tower Hill
Exchange, is incorporated herein by reference and a copy of the AIF Agreement shall be available
for review at www.thig.com/thie/aif, or upon request from Tower Hill Risk Management.

W020633697 Page 3 of 7 (rev 04/2023)

2. Compensation of Tower Hill Risk Management.

2.1 Fees for Services. In consideration for the services provided to Tower Hill Exchange
and under the terms of the AIF Agreement, Tower Hill Risk Management will be compensated for
underwriting and marketing management services provided to Tower Hill Exchange, Tower Hill Risk
Management will receive as compensation an amount equal to seventeen percent (17%) of the
annual gross premium written by Tower Hill Exchange. Additionally, Tower Hill Exchange will
compensate Tower Hill Claims Service, LLC, and Bluegrass Insurance Management, LLC for claims
management pursuant to a Claims Service Agreement and will pay per policy fees to Tower Hill
Insurance Group, LLC pursuant to a Managing General Agency Agreement.

2.2 Adjustments and Modifications. Tower Hill Risk Management’s total compensation,
as set forth in greater detail in the AIF Agreement, may be revised or modified at any time, subject to
the prior written approval of the Florida Office of Insurance Regulation. Any changes to the
percentages in Section 2.1 are subject to the prior written approval of the Florida Office of Insurance
Regulation and, if approved, will be disclosed to you in writing.

2.3 Expenses. Tower Hill Exchange will be liable, and will reimburse Tower Hill Risk
Management on demand, for losses, loss adjustment expenses, investment expenses and other
expenses attributable to the operations of Tower Hill Exchange.

3. Exchange of Policies. The Subscriber hereby offers and agrees to exchange policies with the
other Tower Hill Exchange subscribers. The Subscriber understands and agrees that the reciprocal
insurance contracts to be exchanged hereunder are non-assessable, consistent with section
629.261, Florida Statutes, thereby limiting the liability of the Subscriber to Tower Hill Exchange to the
costs associated with the policies of insurance only.

4. Subscribers’ Advisory Committee:

4.1 Formation and Role of SAC. The Subscriber understands that Tower Hill Exchange and
Tower Hill Risk Management have established a Subscribers’ Advisory Committee (the “SAC”)
pursuant to section 629.201, Florida Statutes, to exercise any rights reserved to subscribers and
assist Tower Hill Risk Management in supervising the operations of Tower Hill Exchange. The duties
and powers of the SAC, which are available for review at www.thig.com/thie/sac (or upon request),
are contained within the Subscribers’ Advisory Committee Charter (“SAC Charter”). The Subscriber
understands and agrees that the powers of the SAC are limited to those enumerated in the SAC
Charter. Members of the SAC are selected annually by Tower Hill Risk Management and the
Subscriber agrees that the SAC shall (a) have only the enumerated responsibilities specifically
assigned to it, (b) exercise the rights of all subscribers of Tower Hill Exchange, and (c) consist of at
least two-thirds current insured subscribers of Tower Hill Exchange who are independent of the
attorney-in- fact for Tower Hill Exchange. The Subscriber understands and agrees that the
Subscriber is not entitled to directly participate in the management of Tower Hill Exchange unless
such Subscriber is a member of the SAC.

4.2 Supervisory Powers of SAC. The Subscriber agrees that the SAC will supervise the
finances and operations of Tower Hill Exchange to the extent as is necessary to assure conformity
with this Agreement and the AIF Agreement. The SAC also shall procure, at the expense of Tower
Hill Exchange, an audit of the accounts and records of Tower Hill Exchange and Tower Hill Risk
Management.

4.3 Indemnification of SAC Members. To the extent permitted by law, the Subscriber
agrees that Tower Hill Exchange shall defend and hold harmless each and every member of the
SAC from and against any liability that may arise from, or is in any way connected with, such
member’s participation on the SAC. This hold harmless provision does not apply where the member
acted with criminal intent or reckless disregard in the performance of his or her duties as a member
of the SAC.

W020633697 Page 4 of 7 (rev 04/2023)

 The Subscriber also agrees that such Subscriber will not sue or name in any action or affirmative
defense any SAC member or the SAC for actions arising from, or is in any way connected with, such
member’s participation on the SAC.

5. Surplus Contributions.

5.1 Policy Premium and Surplus Contributions. The Subscriber agrees to pay his or her
policy premium when due and, in addition, to make a contribution to Tower Hill Exchange’s surplus
in the amounts and during the period of time set forth in 5.2 below (the “Surplus Contribution”). The
Subscriber understands and agrees that the amounts paid as Surplus Contributions will be credited
00604800000 W020633697 406414 LDEC D

as policyholder surplus for the benefit and protection of all Tower Hill Exchange subscribers and that
Surplus Contributions made to Tower Hill Exchange are not premiums for insurance.

5.2 Timing and Amounts of Surplus Contributions. The Surplus Contributions are
payable to Tower Hill Exchange on or prior to the initial effective date of the Subscriber’s coverage
and within 30 calendar days of the effective date of all endorsements generating an additional
premium, or in accordance with any premium finance or payment schedule in effect. The Surplus
Contributions shall be paid at no greater than 10% of total annual insurance premiums (and may be
charged at a lower rate, or not at all, in the discretion of Tower Hill Risk Management).

5.3 Purpose of and Limitation on Return of Surplus Contributions. The Subscriber

understands and agrees that the amounts paid as Surplus Contributions will be credited as
policyholder surplus for the benefit and protection of all Tower Hill Exchange subscribers, are not
premiums for insurance, and may only be returned in limited circumstances. The Subscriber further
understands and agrees that the ability of Tower Hill Exchange to return Surplus Contributions to its
subscribers is subject to the provisions of this Agreement and is limited by law. Upon the issuance of
an insurance policy, or other confirmation of coverage by Tower Hill Exchange, the return of Surplus
Contributions can occur only with the approval of Tower Hill Risk Management and the Florida Office
of Insurance Regulation, and as set forth in this Agreement. In the event of a mid-term policy
cancellation, Tower Hill Exchange will return any Surplus Contributions (without interest) applicable
to the cancelled policy term, pro-rated based on the fraction of the policy term that has elapsed and
subject to the restrictions set forth in Section 7 hereof and any applicable law. All other Surplus
Contributions, including those made for previous policy terms, will be retained by Tower Hill
Exchange for the benefit of all remaining subscribers. The Subscriber understands and agrees that
any other return of Surplus Contributions will be subject to the approval of Tower Hill Exchange, the
Florida Office of Insurance Regulation, and the restrictions set forth in Section 7 hereof.

6. Subscriber Savings Accounts. Tower Hill Risk Management intends to operate Tower Hill
Exchange for the benefit of all of its subscribers and will maintain separate individual Subscriber
Savings Accounts (“SSAs”) for each subscriber. In years in which Tower Hill Exchange achieves
operating profit and surplus growth, after accounting for paid losses, loss reserves and operating
and policy acquisition expenses, Tower Hill Risk Management, in its discretion, may credit your SSA
with a portion of the amount of Tower Hill Exchange’s growth in surplus for a fiscal year. Any such
credit will be made pro rata, based on the Subscriber’s earned premium for such year. The
Subscriber understands and agrees that (a) any contributions to be made to a Subscriber’s SSA are
based on Tower Hill Exchange’s overall results, not the results of any individual subscriber; and (b)
any and all such funds allocated to the Subscriber would be considered part of Tower Hill
Exchange’s surplus and Tower Hill Risk Management would be authorized to use any and all such
funds to pay any unsatisfied obligations of Tower Hill Exchange, even after it is credited to a SSA. As
set forth in this Agreement, the Subscriber may be eligible for a distribution from its SSA at such
time when the Subscriber is no longer insured by Tower Hill Exchange, or at such other times, if
determined by Tower Hill Risk Management in its discretion, subject to the approval of the SAC. In
order to avoid any impairment to the surplus of Tower Hill Exchange, Tower Hill Risk Management,
subject to the approval of the SAC, retains the right to limit the distribution from the SSAs to
subscribers whose coverage has been terminated. Furthermore, any payment or allocation to an
SSA would be subject to the approval of the Florida Office of Insurance Regulation.

W020633697 Page 5 of 7 (rev 04/2023)

7. Limitations on Distributions of Surplus Contributions and SSAs. No payment of a returned
Surplus Contribution or a distribution of SSA funds (together, a “Surplus Distribution”) will be made if such
payment could risk the financial impairment of Tower Hill Exchange. Surplus Distribution payments
may be delayed if, as determined by Tower Hill Risk Management, the total amount of such payments to
all applicable subscribers to Tower Hill Exchange, within the preceding 12 months, would exceed the
lesser of: (a) ten percent (10%) of the total surplus of Tower Hill Exchange calculated as of the
immediately preceding December 31, or (b) the total net income of Tower Hill Exchange before savings
allocations and federal income taxes for the calendar year ended as of the immediately preceding
December 31. If payment to any subscriber would be delayed pursuant to the requirements set forth in
this Section 7, the total amount which may be paid to all subscribers will be paid pro rata to each
such subscriber who meets the conditions to receive a Surplus Distribution on an equitable basis as
determined by Tower Hill Risk Management in its sole and absolute discretion and as allowed by
applicable law. Any payments delayed pursuant to the requirements set forth in this Section 7 will be paid
as soon as possible when payment can be made in compliance with this Section 7 and the
requirements of the Florida Office of Insurance Regulation. If this Section 7 is found to conflict with other
terms of this Agreement, this Section 7 supersedes all other terms and conditions of this Agreement.

8. Return of Surplus upon Liquidation. The Subscriber understands and agrees that, in
accordance with Section 629.281, Florida Statutes, upon the liquidation of Tower Hill Exchange, the
assets of Tower Hill Exchange remaining after discharge of its indebtedness and policy obligations,
the return of any contributions of Tower Hill Risk Management or other persons to its surplus made
as provided in Section 629.161, Florida Statutes, and the return of any unused premium, savings, or
credits then standing on SSAs shall be distributed to its subscribers who were such within the 12
months prior to the last termination of its certificate of authority, according to such reasonable
formula as the Florida Office of Insurance Regulation approves.

9. Rejection of Coverage. The Subscriber understands and agrees that Tower Hill Exchange has
an obligation to its subscribers to maintain strict eligibility and underwriting requirements. Tower Hill
Exchange has the right to reject any application for insurance, including this Agreement, and the
offer of payment of premium and Surplus Contribution. If such a rejection of coverage occurs after
receipt of the Surplus Contribution by Tower Hill Exchange, the Surplus Contribution will be returned
to the Subscriber, without payment of interest. An existing subscriber applying for additional lines of
coverage is not guaranteed acceptance for those new lines of coverage.

10. Termination. This Agreement may be terminated at any time, by the Subscriber or Tower Hill
Risk Management, by terminating all insurance policies issued to the Subscriber, subject to applicable
policy provisions and applicable law. Upon the termination of all insurance policies issued to the
Subscriber, subject to the approval of the Florida Office of Insurance Regulation and as otherwise set forth
in this Agreement, the balance remaining in your SSA or eligible Surplus Contribution, after allocation of
expenses and claims, will be returned to the subscriber within six months thereafter. In the event that that
the Subscriber should cease to maintain insurance with Tower Hill Exchange, regardless of whether such
insurance is cancelled, rescinded or non-renewed for any reason, you will lose all rights as a subscriber to
Tower Hill Exchange.

11. Acknowledgement of Receipt of Documents. The Subscriber hereby acknowledges and

confirms receipt of and represents and warrants to Tower Hill Exchange and Tower Hill Risk
Management that the Subscriber has read and fully understands, the SAC Charter and the AIF
Agreement prior to executing this Agreement.

12. Binding Agreement. This Agreement will be accepted by Tower Hill Risk Management upon receipt
of the Subscriber’s executed signature on the cover page. The Subscriber agrees that this Agreement,
including the power of attorney set forth herein, will apply to all insurance policies for which the Subscriber
has applied, or will apply, with Tower Hill Exchange. The subscriber further agrees and understands that
upon acceptance of this Agreement by Tower Hill Risk Management, the terms and conditions of each of
this Agreement, the SAC Charter, and the AIF Agreement will be valid and binding upon Tower Hill Risk
Management, the Subscriber, and each of the parties’ respective personal representatives,
administrators, successors, and assigns, as indicated by the Subscriber’s signature on the cover page.

W020633697 Page 6 of 7 (rev 04/2023)

 13. General Provisions.

13.1 Governing Law. This Agreement and all matters relating to its validity, interpretation,
performance and enforcement shall be governed by and construed in accordance with the
substantive laws of the State of Florida, without giving effect to the principles of the conflict of laws
or the rules thereof that might require the application of the laws of another jurisdiction.

13.2 Limitation of Actions. Absent a finding of criminal or willful misconduct or recklessness

00704800000 W020633697 406414 LDEC D

and except for legal actions that may arise directly from the Subscriber’s insurance policy(ies) or
legal actions to enforce this contract, the Subscriber agrees that Tower Hill Exchange will not be
sued or named in any action or affirmative defense by the Subscriber.

13.3 Rules of Construction. When a reference is made in this Agreement to a Section or

subsection, such reference shall be to a Section or subsection of this Agreement unless otherwise
indicated. Any capitalized terms used in any attachment to this Agreement but not otherwise defined
therein shall have the meanings as defined in this Agreement.

[End of Agreement]

By signing below, you agree, among other things, to become a subscriber of Tower Hill Exchange, to
appoint Tower Hill Risk Management as Tower Hill Exchange’s attorney-in-fact and to be legally
bound by the terms and conditions of the Agreement.

Due to the nature of Tower Hill Exchange’s structure, we must have your signature on this
document. If you don't sign, by law, we may be unable to continue to provide you with coverage.

APPLICANT CO-APPLICANT

Sign: /s/ Sign:

Print: /t/ Print:

Date: /d/ Date:

Policy Number: W020633697

TOWER HILL INSURANCE EXCHANGE

Kirk La
CEO Tower Hill Risk
Management as Attorney-in-Fact for
Tower Hill Insurance Exchange

W020633697 Page 7 of 7 (rev 04/2023)

 P.O. Box 147018 Gainesville, FL 32614-7018

HOMEOWNERS POLICY NUMBER

DECLARATIONS W020633697
New
THIS IS NOT A BILL Issued On:
Payment notice will be sent separately 05/10/2024
to: The Insured
Insured AGENCY FL0035
00804800000 W020633697 406414 LDEC D

Charles Radeline ACG Insurance Agency

Jamie Radeline PO BOX 31087
17209 BREEDERS CUP DR TAMPA, FL 33631
ODESSA, FL 33556
PHONE NUMBER: (800) 891-4222

POLICY PERIOD: 05/10/2024 to 05/10/2025. Each period begins and ends at 12:01 AM standard time at the insured location.

INSURED LOCATION: Same as address shown under Insured.

Coverage is provided where a premium or limit is shown for the coverage.

SECTION I - PROPERTY COVERAGE LIMIT SECTION II - LIABILITY COVERAGE LIMIT

COVERAGE A - Dwelling $1,555,356 COVERAGE E - Personal Liability $300,000
COVERAGE B - Other Structures $0 Each Occurrence
COVERAGE C - Personal Property $0 COVERAGE F - Medical Payments to Others $1,000
COVERAGE D - Loss of Use $155,536 Each Person

BREAKDOWN OF PREMIUM:
Charges Limit Premium
Section I and II Premium $20,341.00
Age of Dwelling Surcharge $3,284.00
Catastrophic Ground Cover Collapse Coverage Incl
Limited Fungi, Wet or Dry Rot, or Bacteria Coverage $10,000/$10,000 Incl
Loss Assessment Coverage $1,000 Incl
Maximum Discount Adjustment - Non-Hurricane Incl
Ordinance or Law Coverage 10% $590.00
Emergency Management Preparedness and Assistance Trust Fund (EMPAT) Fee $2.00
Florida Insurance Guaranty Association (FIGA) Emergency Assessment Fee 2023 $74.16
Managing General Agency (MGA) Fee $25.00
Surplus Contribution $741.60

Credits Premium
Age of Roof Credit -$3,756.00
Deductible Options -$2,920.00
Personal Property - Decreased Limit -$3,831.00
Protective Devices Credit -$2,883.00
Residential Windstorm Loss Mitigation Devices Credit Incl
Secured Community Credit -$1,844.00
Sinkhole Exclusion Incl
Unscheduled Other Structures - Decreased Limit -$106.00
Water Damage Exclusion Credit -$1,459.00

Total Policy Premium: $8,258.76

RP-HO-DEC (01/23) Page: 1

 POLICY NUMBER
W020633697

DEDUCTIBLE (Section I Only):

The Calendar Year Hurricane Deductible is $31,107 (2% of Coverage A).
The All Other Perils Deductible is $10,000.
- In case of loss under Section I, we cover only that part of the covered loss over the deductible stated, unless otherwise
stated in your policy.

Mortgagee Information:
NONE

Important: Please notify your agent immediately if the mortgage company shown is incorrect.

BASIC RATING INFORMATION:

PROGRAM FORM CODE TERRITORY COUNTY CONSTRUCTION CONSTRUCTION

YEAR TYPE
TEFLHO HO-3 471 HILLSBOROUGH 1942 Masonry
FIRE PROTECTION ROOF TYPE ROOF MATERIAL ROOF YEAR
CLASS
10 Gable Rated Shingle (110 mph) 2023

BUILDING CODE WIND PROTECTIVE

PROTECTIVE DEVICE
(BCEG) GRADE DEVICE
Does Not Apply None Central Station Burglar Alarm
Direct Fire Alarm

PREMIUM SUMMARY: Hurricane Premium: $4,835.00

Non-hurricane Premium: $3,423.76
Section II Other Location(s):
NONE

APPLICABLE FORMS AND ENDORSEMENTS:

RPIC HO 09 COV (08/21), HO 00 03 (04/91), HO 04 16 (04/91), HO 04 96 (04/91), HP-0087-00 (10/10), HP-0458-00 (07/21),
HP-0477-00 (01/09), HP-0645-00 (08/21), HP-0650-00 (08/23), HP-0800-00 (07/21), IL-0301-00 (09/11), IL-0503-00 (09/16),
IL-0506-00 (06/07), IL-P-001 (01/04), IL-WMCA (04/11), Privacy Notice (08/21), RP-0435-00 (08/18), RP-CKLS HO (08/21),
RPI HO 09 DN (08/21), RPI HO 09 ED (12/08), RPI HO 09 ELE (08/21), RPI HO 09 FCE (08/23), RPI HO 09 HD (06/23), RPI
HO 09 SP3 (08/23), RPI HO 09 WD (08/21), RPI HO3 09 OTL (08/21)

RP-HO-DEC (01/23) Page: 2

 POLICY NUMBER
W020633697

NOTICES:
• THIS POLICY DOES NOT PROVIDE COVERAGE DUE TO WATER DAMAGE, UNLESS WATER PENETRATION IS A
DIRECT RESULT OF DAMAGE CAUSED DURING A HURRICANE OR TROPICAL STORM OCCURRENCE.
• THIS POLICY DOES NOT PROVIDE PERSONAL PROPERTY COVERAGE.
• This policy does not provide Animal Liability coverage.
• This policy does not include the peril of "Sinkhole Loss".
•
00904800000 W020633697 406414 LDEC D

This policy does not provide Flood coverage.

• You may have the option to add Damage Caused by Water or Tear Out Limitation to your policy.
• This Declarations replaces all previously issued policy Declarations, if any. This Declarations together with your policy
and endorsements completes your policy. Refer to your policy and endorsements for details regarding your coverages,
limits, and exclusions.
• To request the complete copy of your policy including all forms, endorsements, terms and conditions, please contact
our Customer Service Center at (800) 342-3407 between the hours of 8:00 am and 6:00 pm, Monday through Friday
(Eastern Time), excluding holidays.
• Your Ordinance or Law Coverage limit is 10% (10% of Coverage A: $155,536).

THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR

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

LAW AND ORDINANCE: LAW AND ORDINANCE

COVERAGE IS AN IMPORTANT COVERAGE THAT YOU
MAY WISH TO PURCHASE. PLEASE DISCUSS WITH YOUR
INSURANCE AGENT.

RP-HO-DEC (01/23) Page: 3

 POLICY NUMBER
W020633697

FLOOD INSURANCE: YOU SHOULD CONSIDER THE

PURCHASE OF FLOOD INSURANCE. YOUR
HOMEOWNER'S INSURANCE POLICY DOES NOT
INCLUDE COVERAGE FOR DAMAGE RESULTING FROM
FLOOD EVEN IF HURRICANE WINDS AND RAIN CAUSED
THE FLOOD TO OCCUR. WITHOUT SEPARATE FLOOD
INSURANCE COVERAGE, YOUR UNCOVERED LOSSES
CAUSED BY FLOOD ARE NOT COVERED. PLEASE
DISCUSS THE NEED TO PURCHASE SEPARATE FLOOD
INSURANCE COVERAGE WITH YOUR INSURANCE
AGENT.

COUNTERSIGNATURE:
Countersigned by Authorized Representative: Stephen E. Allnutt Prepared: 05/10/2024

AGENCY PHONE: (800) 891-4222

CUSTOMER SERVICE:(800) 342-3407
QUESTIONS: If you have questions about your insurance policy or coverages, please contact your agent.
If you have payment or billing questions, please call the Customer Service number or contact your
agent.
TO FILE A CLAIM: Tower Hill Claims Services, LLC PHONE: (800) 216-3711 (24 hours a day, 7 days a week)
PO Box 142230 FAX: (352) 332-7999
Gainesville, FL 32614-2230
FRAUD HOTLINE: (866) 265-6590 (Toll Free and Confidential)

RP-HO-DEC (01/23) Page: 4

01004800000 W020633697 406414 LDEC D

Tower Hill Insurance

Exchange
HOMEOWNERS POLICY

Administered by:
Tower Hill Insurance Group, LLC
P.O. Box 147018
Gainesville, FL 32614-7018
 HOMEOWNERS
RPIC HO 09 COV (08/21)

READ YOUR POLICY CAREFULLY

For service information or questions concerning this policy, contact your agent
or call 1-800-342-3407.

HOMEOWNERS POLICY
TOWER HILL INSURANCE EXCHANGE

TABLE OF CONTENTS

Insuring Agreement
Definitions

SECTION I - PROPERTY COVERAGES:

Types of Property Covered
Property Not Covered
Special Limits on Certain Personal Property
Coverage Provided
Supplemental Coverages
Exclusions
Conditions Applying to SECTION I

SECTION II - LIABILITY COVERAGES:

Personal Liability Coverage
Medical Payments to Others Coverage
Additional Coverages
Exclusions
Conditions Applying to SECTION II
Conditions Applying to SECTION I & II

INSURING AGREEMENT

Relying on the facts you have given us, Tower Hill Insurance Exchange agrees to provide the
insurance described in this policy. In return, you agree to pay the premium and comply with the policy
terms.

This policy applies only to covered occurrences which take place during this policy period. The
Declarations page shows the policy period, coverages, limits of liability and premiums. This policy is
not complete without the Declarations Page.

RPIC HO 09 COV (08/21) Page 2 of 3

 HOMEOWNERS
RPIC HO 09 COV (08/21)
01104800000 W020633697 406414 LDEC D

IN WITNESS WHEREOF, the company has caused this policy to be executed and attested, but this policy
shall not be valid unless countersigned by a duly authorized representative of the company.

CEO Secretary

RPIC HO 09 COV (08/21) Page 3 of 3

 HOMEOWNERS
HO 00 03 04 91

HOMEOWNERS 3
SPECIAL FORM

AGREEMENT
We will provide the insurance described in this policy in return for the premium and compliance with all applica-
ble provisions of this policy.

DEFINITIONS
In this policy, "you" and "your" refer to the "named c. Any premises used by you in connection with a
insured" shown in the Declarations and the spouse if premises in 4.a. and 4.b. above;
a resident of the same household. "We," "us" and d. Any part of a premises:
"our" refer to the Company providing this insurance.
In addition, certain words and phrases are defined as (1) Not owned by an "insured"; and
follows: (2) Where an "insured" is temporarily residing;
1. "Bodily injury" means bodily harm, sickness or e. Vacant land, other than farm land, owned by or
disease, including required care, loss of services rented to an "insured";
and death that results.
f. Land owned by or rented to an "insured" on
2. "Business" includes trade, profession or occupa- which a one or two family dwelling is being
tion. built as a residence for an "insured";
3. "Insured" means you and residents of your house- g. Individual or family cemetery plots or burial
hold who are: vaults of an "insured"; or
a. Your relatives; or h. Any part of a premises occasionally rented to
b. Other persons under the age of 21 and in the an "insured" for other than "business" use.
care of any person named above. 5. "Occurrence" means an accident, including con-
Under Section II, "insured" also means: tinuous or repeated exposure to substantially the
same general harmful conditions, which results,
c. With respect to animals or watercraft to which during the policy period, in:
this policy applies, any person or organization
legally responsible for these animals or water- a. "Bodily injury"; or
craft which are owned by you or any person b. "Property damage."
included in 3.a. or 3.b. above. A person or or-
6. "Property damage" means physical injury to, de-
ganization using or having custody of these
struction of, or loss of use of tangible property.
animals or watercraft in the course of any
"business" or without consent of the owner is 7. "Residence employee" means:
not an "insured"; a. An employee of an "insured" whose duties are
d. With respect to any vehicle to which this policy related to the maintenance or use of the
applies: "residence premises," including household or
domestic services; or
(1) Persons while engaged in your employ or
that of any person included in 3.a. or 3.b. b. One who performs similar duties elsewhere not
above; or related to the "business" of an "insured."
(2) Other persons using the vehicle on an 8. "Residence premises" means:
"insured location" with your consent. a. The one family dwelling, other structures, and
4. "Insured location" means: grounds; or
a. The "residence premises"; b. That part of any other building;
b. The part of other premises, other structures where you reside and which is shown as the
and grounds used by you as a residence and: "residence premises" in the Declarations.
(1) Which is shown in the Declarations; or "Residence premises" also means a two family
dwelling where you reside in at least one of the
(2) Which is acquired by you during the policy
family units and which is shown as the "residence
period for your use as a residence;
premises" in the Declarations.

HO 00 03 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 1 of 18

 SECTION I – PROPERTY COVERAGES

COVERAGE A – Dwelling 1. $200 on money, bank notes, bullion, gold other

We cover: than goldware, silver other than silverware, plati-
num, coins and medals.
1. The dwelling on the "residence premises" shown
in the Declarations, including structures attached 2. $1000 on securities, accounts, deeds, evidences
to the dwelling; and of debt, letters of credit, notes other than bank
01204800000 W020633697 406414 LDEC D

notes, manuscripts, personal records, passports,

2. Materials and supplies located on or next to the tickets and stamps. This dollar limit applies to
"residence premises" used to construct, alter or these categories regardless of the medium (such
repair the dwelling or other structures on the as paper or computer software) on which the ma-
"residence premises." terial exists.
This coverage does not apply to land, including land This limit includes the cost to research, replace or
on which the dwelling is located. restore the information from the lost or damaged
COVERAGE B – Other Structures material.
We cover other structures on the "residence prem- 3. $1000 on watercraft, including their trailers, fur-
ises" set apart from the dwelling by clear space. This nishings, equipment and outboard engines or
includes structures connected to the dwelling by only motors.
a fence, utility line, or similar connection. 4. $1000 on trailers not used with watercraft.
This coverage does not apply to land, including land 5. $1000 for loss by theft of jewelry, watches, furs,
on which the other structures are located. precious and semi-precious stones.
We do not cover other structures: 6. $2000 for loss by theft of firearms.
1. Used in whole or in part for "business"; or 7. $2500 for loss by theft of silverware, silver-plated
2. Rented or held for rental to any person not a ten- ware, goldware, gold-plated ware and pewterware.
ant of the dwelling, unless used solely as a private This includes flatware, hollowware, tea sets, trays
garage. and trophies made of or including silver, gold or
pewter.
The limit of liability for this coverage will not be more
than 10% of the limit of liability that applies to Cover- 8. $2500 on property, on the "residence premises,"
age A. Use of this coverage does not reduce the used at any time or in any manner for any
Coverage A limit of liability. "business" purpose.
COVERAGE C – Personal Property 9. $250 on property, away from the "residence
premises," used at any time or in any manner for
We cover personal property owned or used by an
any "business" purpose. However, this limit does
"insured" while it is anywhere in the world. At your
not apply to loss to adaptable electronic apparatus
request, we will cover personal property owned by:
as described in Special Limits 10. and 11. below.
1. Others while the property is on the part of the
10. $1000 for loss to electronic apparatus, while in or
"residence premises" occupied by an "insured";
upon a motor vehicle or other motorized land
2. A guest or a "residence employee," while the conveyance, if the electronic apparatus is
property is in any residence occupied by an equipped to be operated by power from the elec-
"insured." trical system of the vehicle or conveyance while
Our limit of liability for personal property usually retaining its capability of being operated by other
located at an "insured's" residence, other than the sources of power. Electronic apparatus includes:
"residence premises," is 10% of the limit of liability for a. Accessories or antennas; or
Coverage C, or $1000, whichever is greater. Personal
b. Tapes, wires, records, discs or other media;
property in a newly acquired principal residence is not
subject to this limitation for the 30 days from the time for use with any electronic apparatus.
you begin to move the property there.
Special Limits of Liability. These limits do not in-
crease the Coverage C limit of liability. The special
limit for each numbered category below is the total
limit for each loss for all property in that category.

Page 2 of 18 Copyright, Insurance Services Office, Inc., 1990 HO 00 03 04 91

11. $1000 for loss to electronic apparatus, while not in 8. "Business" data, including such data stored in:
or upon a motor vehicle or other motorized land a. Books of account, drawings or other paper
conveyance, if the electronic apparatus: records; or
a. Is equipped to be operated by power from the b. Electronic data processing tapes, wires, rec-
electrical system of the vehicle or conveyance ords, discs or other software media;
while retaining its capability of being operated
by other sources of power; However, we do cover the cost of blank recording
or storage media, and of pre-recorded computer
b. Is away from the "residence premises"; and programs available on the retail market; or
c. Is used at any time or in any manner for any 9. Credit cards or fund transfer cards except as
"business" purpose. provided in Additional Coverages 6.
Electronic apparatus includes: COVERAGE D – Loss Of Use
a. Accessories and antennas; or The limit of liability for Coverage D is the total limit
b. Tapes, wires, records, discs or other media; for all the coverages that follow.
for use with any electronic apparatus. 1. If a loss covered under this Section makes that
Property Not Covered. We do not cover: part of the "residence premises" where you reside
not fit to live in, we cover, at your choice, either of
1. Articles separately described and specifically the following. However, if the "residence prem-
insured in this or other insurance; ises" is not your principal place of residence, we
2. Animals, birds or fish; will not provide the option under paragraph b. be-
low.
3. Motor vehicles or all other motorized land con-
veyances. This includes: a. Additional Living Expense, meaning any
necessary increase in living expenses incurred
a. Their equipment and accessories; or
by you so that your household can maintain its
b. Electronic apparatus that is designed to be normal standard of living; or
operated solely by use of the power from the
b. Fair Rental Value, meaning the fair rental
electrical system of motor vehicles or all other
value of that part of the "residence premises"
motorized land conveyances. Electronic appa-
where you reside less any expenses that do
ratus includes:
not continue while the premises is not fit to live
(1) Accessories or antennas; or in.
(2) Tapes, wires, records, discs or other media; Payment under a. or b. will be for the shortest
for use with any electronic apparatus. time required to repair or replace the damage or,
if you permanently relocate, the shortest time re-
The exclusion of property described in 3.a. quired for your household to settle elsewhere.
and 3.b. above applies only while the property
is in or upon the vehicle or conveyance. 2. If a loss covered under this Section makes that
part of the "residence premises" rented to others
We do cover vehicles or conveyances not subject or held for rental by you not fit to live in, we cover
to motor vehicle registration which are: the:
a. Used to service an "insured's" residence; or Fair Rental Value, meaning the fair rental
b. Designed for assisting the handicapped; value of that part of the "residence premises"
4. Aircraft and parts. Aircraft means any contrivance rented to others or held for rental by you less
used or designed for flight, except model or hobby any expenses that do not continue while the
aircraft not used or designed to carry people or premises is not fit to live in.
cargo; Payment will be for the shortest time required to
5. Property of roomers, boarders and other tenants, repair or replace that part of the premises rented
except property of roomers and boarders related or held for rental.
to an "insured"; 3. If a civil authority prohibits you from use of the
6. Property in an apartment regularly rented or held "residence premises" as a result of direct damage
for rental to others by an "insured," except as to neighboring premises by a Peril Insured Against
provided in Additional Coverages 10.; in this policy, we cover the Additional Living Ex-
pense and Fair Rental Value loss as provided un-
7. Property rented or held for rental to others off the der 1. and 2. above for no more than two weeks.
"residence premises";

HO 00 03 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 3 of 18

 The periods of time under 1., 2. and 3. above are not 3. Trees, Shrubs and Other Plants. We cover
limited by expiration of this policy. trees, shrubs, plants or lawns, on the "residence
We do not cover loss or expense due to cancellation premises," for loss caused by the following Perils
of a lease or agreement. Insured Against: Fire or lightning, Explosion, Riot
or civil commotion, Aircraft, Vehicles not owned or
ADDITIONAL COVERAGES operated by a resident of the "residence prem-
1. Debris Removal. We will pay your reasonable ises," Vandalism or malicious mischief or Theft.
expense for the removal of: We will pay up to 5% of the limit of liability that
01304800000 W020633697 406414 LDEC D

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

Page 4 of 18 Copyright, Insurance Services Office, Inc., 1990 HO 00 03 04 91

 We do not cover use of a credit card or fund 8. Collapse. We insure for direct physical loss to
transfer card: covered property involving collapse of a building
a. By a resident of your household; or any part of a building caused only by one or
more of the following:
b. By a person who has been entrusted with ei-
ther type of card; or a. Perils Insured Against in COVERAGE C –
PERSONAL PROPERTY. These perils apply
c. If an "insured" has not complied with all terms to covered buildings and personal property for
and conditions under which the cards are is- loss insured by this additional coverage;
sued.
b. Hidden decay;
All loss resulting from a series of acts committed
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 d. Weight of contents, equipment, animals or
loss. people;
We do not cover loss arising out of "business" use e. Weight of rain which collects on a roof; or
or dishonesty of an "insured." f. Use of defective material or methods in con-
This coverage is additional insurance. No de- struction, remodeling or renovation if the col-
ductible applies to this coverage. lapse occurs during the course of the con-
Defense: struction, remodeling or renovation.
a. We may investigate and settle any claim or Loss to an awning, fence, patio, pavement,
suit that we decide is appropriate. Our duty to swimming pool, underground pipe, flue, drain,
defend a claim or suit ends when the amount cesspool, septic tank, foundation, retaining wall,
we pay for the loss equals our limit of liability. bulkhead, pier, wharf or dock is not included under
items b., c., d., e., and f. unless the loss is a di-
b. If a suit is brought against an "insured" for rect result of the collapse of a building.
liability under the Credit Card or Fund Transfer
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 9. Glass or Safety Glazing Material.
Forgery coverage. We cover:
7. Loss Assessment. We will pay up to $1000 for a. The breakage of glass or safety glazing mate-
your share of loss assessment charged during the rial which is part of a covered building, storm
policy period against you by a corporation or as- door or storm window; and
sociation of property owners, when the
assessment is made as a result of direct loss to b. Damage to covered property by glass or safety
the property, owned by all members collectively, glazing material which is part of a building,
caused by a Peril Insured Against under storm door or storm window.
COVERAGE A – DWELLING, other than earth- This coverage does not include loss on the
quake or land shock waves or tremors before, "residence premises" if the dwelling has been va-
during or after a volcanic eruption. cant for more than 30 consecutive days immedi-
This coverage applies only to loss assessments ately before the loss. A dwelling being constructed
charged against you as owner or tenant of the is not considered vacant.
"residence premises." Loss for damage to glass will be settled on the
We do not cover loss assessments charged basis 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.
Condition 1. Policy Period, under SECTIONS I
AND II CONDITIONS, does not apply to this cov-
erage.

HO 00 03 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 5 of 18

 10. Landlord's Furnishings. We will pay up to This peril does not include loss:
$2500 for your appliances, carpeting and other (1) To the system or appliance from which the
household furnishings, in an apartment on the water or steam escaped;
"residence premises" regularly rented or held for
rental to others by an "insured," for loss caused (2) Caused by or resulting from freezing ex-
only by the following Perils Insured Against: cept as provided in the peril of freezing
below; or
a. Fire or lightning.
(3) On the "residence premises" caused by
01404800000 W020633697 406414 LDEC D

b. Windstorm or hail. accidental discharge or overflow which oc-

This peril does not include loss to the property curs off the "residence premises."
contained in a building caused by rain, snow, In this peril, a plumbing system does not in-
sleet, sand or dust unless the direct force of clude a sump, sump pump or related equip-
wind or hail damages the building causing an ment.
opening in a roof or wall and the rain, snow,
sleet, sand or dust enters through this opening. l. Sudden and accidental tearing apart,
cracking, burning or bulging of a steam or
This peril includes loss to watercraft and their hot water heating system, an air conditioning
trailers, furnishings, equipment, and outboard or automatic fire protective sprinkler system, or
engines or motors, only while inside a fully an appliance for heating water.
enclosed building.
We do not cover loss caused by or resulting
c. Explosion. from freezing under this peril.
d. Riot or civil commotion. m. Freezing of a plumbing, heating, air condition-
e. Aircraft, including self-propelled missiles and ing or automatic fire protective sprinkler sys-
spacecraft. tem or of a household appliance.
f. Vehicles. This peril does not include loss on the
g. Smoke, meaning sudden and accidental dam- "residence premises" while the dwelling is un-
age from smoke. occupied, unless you have used reasonable
care to:
This peril does not include loss caused by
smoke from agricultural smudging or industrial (1) Maintain heat in the building; or
operations. (2) Shut off the water supply and drain the
h. Vandalism or malicious mischief. system and appliances of water.
i. Falling objects. n. Sudden and accidental damage from
artificially generated electrical current.
This peril does not include loss to property
contained in a building unless the roof or an This peril does not include loss to a tube, tran-
outside wall of the building is first damaged by sistor or similar electronic component.
a falling object. Damage to the falling object it- o. Volcanic eruption other than loss caused by
self is not included. earthquake, land shock waves or tremors.
j. Weight of ice, snow or sleet which causes The $2500 limit is the most we will pay in any one
damage to property contained in a building. loss regardless of the number of appliances, car-
k. Accidental discharge or overflow of water peting or other household furnishings involved in
or steam from within a plumbing, heating, air the loss.
conditioning or automatic fire protective sprin-
kler system or from within a household appli-
ance.
SECTION I – PERILS INSURED AGAINST
COVERAGE A – DWELLING and COVERAGE B – 1. Involving collapse, other than as provided in Ad-
OTHER STRUCTURES ditional Coverage 8.;
We insure against risk of direct loss to property de- 2. Caused by:
scribed in Coverages A and B only if that loss is a
physical loss to property. We do not insure, however,
for loss:

Page 6 of 18 Copyright, Insurance Services Office, Inc., 1990 HO 00 03 04 91

 a. Freezing of a plumbing, heating, air condition- If any of these cause water damage not oth-
ing or automatic fire protective sprinkler sys- erwise excluded, from a plumbing, heating, air
tem or of a household appliance, or by dis- conditioning or automatic fire protective sprin-
charge, leakage or overflow from within the kler system or household appliance, we cover
system or appliance caused by freezing. This loss caused by the water including the cost of
exclusion applies only while the dwelling is va- tearing out and replacing any part of a building
cant, unoccupied or being constructed, unless necessary to repair the system or appliance.
you have used reasonable care to: We do not cover loss to the system or appli-
(1) Maintain heat in the building; or ance from which this water escaped.
(2) Shut off the water supply and drain the 3. Excluded under Section I - Exclusions.
system and appliances of water; Under items 1. and 2., any ensuing loss to property
b. Freezing, thawing, pressure or weight of water described in Coverages A and B not excluded or
or ice, whether driven by wind or not, to a: excepted in this policy is covered.
(1) Fence, pavement, patio or swimming pool; COVERAGE C – PERSONAL PROPERTY
(2) Foundation, retaining wall, or bulkhead; or We insure for direct physical loss to the property
described in Coverage C caused by a peril listed
(3) Pier, wharf or dock; below unless the loss is excluded in SECTION I –
c. Theft in or to a dwelling under construction, or EXCLUSIONS.
of materials and supplies for use in the con- 1. Fire or lightning.
struction until the dwelling is finished and oc-
cupied; 2. Windstorm or hail.
d. Vandalism and malicious mischief if the This peril does not include loss to the property
dwelling has been vacant for more than 30 contained in a building caused by rain, snow,
consecutive days immediately before the loss. sleet, sand or dust unless the direct force of wind
A dwelling being constructed is not considered or hail damages the building causing an opening
vacant; in a roof or wall and the rain, snow, sleet, sand or
dust enters through this opening.
e. Any of the following:
This peril includes loss to watercraft and their
(1) Wear and tear, marring, deterioration; trailers, furnishings, equipment, and outboard en-
(2) Inherent vice, latent defect, mechanical gines or motors, only while inside a fully enclosed
breakdown; building.
(3) Smog, rust or other corrosion, mold, wet or 3. Explosion.
dry rot; 4. Riot or civil commotion.
(4) Smoke from agricultural smudging or indus- 5. Aircraft, including self-propelled missiles and
trial operations; spacecraft.
(5) Discharge, dispersal, seepage, migration, 6. Vehicles.
release or escape of pollutants unless the
discharge, dispersal, seepage, migration, 7. Smoke, meaning sudden and accidental damage
release or escape is itself caused by a Peril from smoke.
Insured Against under Coverage C of this This peril does not include loss caused by smoke
policy. from agricultural smudging or industrial opera-
Pollutants means any solid, liquid, gaseous tions.
or thermal irritant or contaminant, including 8. Vandalism or malicious mischief.
smoke, vapor, soot, fumes, acids, alkalis, 9. Theft, including attempted theft and loss of prop-
chemicals and waste. Waste includes ma- erty from a known place when it is likely that the
terials to be recycled, reconditioned or re- property has been stolen.
claimed;
This peril does not include loss caused by theft:
(6) Settling, shrinking, bulging or expansion,
including resultant cracking, of pavements, a. Committed by an "insured";
patios, foundations, walls, floors, roofs or b. In or to a dwelling under construction, or of
ceilings; materials and supplies for use in the construc-
(7) Birds, vermin, rodents, or insects; or tion until the dwelling is finished and occupied;
or
(8) Animals owned or kept by an "insured."

HO 00 03 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 7 of 18

 c. From that part of a "residence premises" b. Caused by or resulting from freezing except as
rented by an "insured" to other than an provided in the peril of freezing below; or
"insured." c. On the "residence premises" caused by acci-
This peril does not include loss caused by theft dental discharge or overflow which occurs off
that occurs off the "residence premises" of: the "residence premises."
a. Property while at any other residence owned In this peril, a plumbing system does not include a
by, rented to, or occupied by an "insured," ex- sump, sump pump or related equipment.
01504800000 W020633697 406414 LDEC D

cept while an "insured" is temporarily living 13. Sudden and accidental tearing apart, cracking,
there. Property of a student who is an "insured" burning or bulging of a steam or hot water
is covered while at a residence away from heating system, an air conditioning or automatic
home if the student has been there at any time fire protective sprinkler system, or an appliance
during the 45 days immediately before the for heating water.
loss;
We do not cover loss caused by or resulting from
b. Watercraft, and their furnishings, equipment freezing under this peril.
and outboard engines or motors; or
14. Freezing of a plumbing, heating, air conditioning
c. Trailers and campers. or automatic fire protective sprinkler system or of
10. Falling objects. a household appliance.
This peril does not include loss to property con- This peril does not include loss on the "residence
tained in a building unless the roof or an outside premises" while the dwelling is unoccupied, unless
wall of the building is first damaged by a falling you have used reasonable care to:
object. Damage to the falling object itself is not a. Maintain heat in the building; or
included.
b. Shut off the water supply and drain the system
11. Weight of ice, snow or sleet which causes dam- and appliances of water.
age to property contained in a building.
15. Sudden and accidental damage from
12. Accidental discharge or overflow of water or artificially generated electrical current.
steam from within a plumbing, heating, air condi-
tioning or automatic fire protective sprinkler sys- This peril does not include loss to a tube, transis-
tem or from within a household appliance. tor or similar electronic component.
This peril does not include loss: 16. Volcanic eruption other than loss caused by
earthquake, land shock waves or tremors.
a. To the system or appliance from which the
water or steam escaped;
SECTION I – EXCLUSIONS

1. We do not insure for loss caused directly or indi- (3) Breakage of glass or safety glazing mate-
rectly by any of the following. Such loss is ex- rial which is part of a building, storm door
cluded regardless of any other cause or event or storm window;
contributing concurrently or in any sequence to ensues and then we will pay only for the ensu-
the loss. ing loss.
a. Ordinance or Law, meaning enforcement of This exclusion does not apply to loss by theft.
any ordinance or law regulating the construc-
tion, repair, or demolition of a building or other c. Water Damage, meaning:
structure, unless specifically provided under (1) Flood, surface water, waves, tidal water,
this policy. overflow of a body of water, or spray from
b. Earth Movement, meaning earthquake includ- any of these, whether or not driven by wind;
ing land shock waves or tremors before, during (2) Water which backs up through sewers or
or after a volcanic eruption; landslide; mine drains or which overflows from a sump; or
subsidence; mudflow; earth sinking, rising or
shifting; unless direct loss by:
(1) Fire;
(2) Explosion; or

Page 8 of 18 Copyright, Insurance Services Office, Inc., 1990 HO 00 03 04 91

 (3) Water below the surface of the ground, h. Intentional Loss, meaning any loss arising
including water which exerts pressure on or out of any act committed:
seeps or leaks through a building, sidewalk, (1) By or at the direction of an "insured"; and
driveway, foundation, swimming pool or
other structure. (2) With the intent to cause a loss.
Direct loss by fire, explosion or theft resulting 2. We do not insure for loss to property described in
from water damage is covered. Coverages A and B caused by any of the follow-
ing. However, any ensuing loss to property de-
d. Power Failure, meaning the failure of power scribed in Coverages A and B not excluded or ex-
or other utility service if the failure takes place cepted in this policy is covered.
off the "residence premises." But, if a Peril In-
sured Against ensues on the "residence prem- a. Weather conditions. However, this exclusion
ises," we will pay only for that ensuing loss. only applies if weather conditions contribute in
any way with a cause or event excluded in
e. Neglect, meaning neglect of the "insured" to paragraph 1. above to produce the loss;
use all reasonable means to save and pre-
serve property at and after the time of a loss. b. Acts or decisions, including the failure to act
or decide, of any person, group, organization
f. War, including the following and any conse- or governmental body;
quence of any of the following:
c. Faulty, inadequate or defective:
(1) Undeclared war, civil war, insurrection,
rebellion or revolution; (1) Planning, zoning, development, surveying,
siting;
(2) Warlike act by a military force or military
personnel; or (2) Design, specifications, workmanship, re-
pair, construction, renovation, remodeling,
(3) Destruction, seizure or use for a military grading, compaction;
purpose.
(3) Materials used in repair, construction,
Discharge of a nuclear weapon will be deemed renovation or remodeling; or
a warlike act even if accidental.
(4) Maintenance;
g. Nuclear Hazard, to the extent set forth in the
Nuclear Hazard Clause of SECTION I – of part or all of any property whether on or off
CONDITIONS. the "residence premises."
SECTION I – CONDITIONS

1. Insurable Interest and Limit of Liability. Even if (1) Make reasonable and necessary repairs to
more than one person has an insurable interest in protect the property; and
the property covered, we will not be liable in any (2) Keep an accurate record of repair ex-
one loss: penses;
a. To the "insured" for more than the amount of e. Prepare an inventory of damaged personal
the "insured's" interest at the time of loss; or property showing the quantity, description, ac-
b. For more than the applicable limit of liability. tual cash value and amount of loss. Attach all
2. Your Duties After Loss. In case of a loss to bills, receipts and related documents that jus-
covered property, you must see that the following tify the figures in the inventory;
are done: f. As often as we reasonably require:
a. Give prompt notice to us or our agent; (1) Show the damaged property;
b. Notify the police in case of loss by theft; (2) Provide us with records and documents we
c. Notify the credit card or fund transfer card request and permit us to make copies; and
company in case of loss under Credit Card or (3) Submit to examination under oath, while
Fund Transfer Card coverage; not in the presence of any other "insured,"
d. Protect the property from further damage. If and sign the same;
repairs to the property are required, you must:

HO 00 03 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 9 of 18

 g. Send to us, within 60 days after our request, (c) The necessary amount actually spent to
your signed, sworn proof of loss which sets repair or replace the damaged building.
forth, to the best of your knowledge and belief: (2) If, at the time of loss, the amount of insur-
(1) The time and cause of loss; ance in this policy on the damaged building
(2) The interest of the "insured" and all others is less than 80% of the full replacement
in the property involved and all liens on the cost of the building immediately before the
property; loss, we will pay the greater of the following
amounts, but not more than the limit of li-
01604800000 W020633697 406414 LDEC D

(3) Other insurance which may cover the loss; ability under this policy that applies to the
(4) Changes in title or occupancy of the prop- building:
erty during the term of the policy; (a) The actual cash value of that part of the
(5) Specifications of damaged buildings and building damaged; or
detailed repair estimates; (b) That proportion of the cost to repair or
(6) The inventory of damaged personal prop- replace, after application of deductible
erty described in 2.e. above; and without deduction for depreciation,
that part of the building damaged, which
(7) Receipts for additional living expenses
the total amount of insurance in this
incurred and records that support the fair
policy on the damaged building bears to
rental value loss; and
80% of the replacement cost of the
(8) Evidence or affidavit that supports a claim building.
under the Credit Card, Fund Transfer Card,
(3) To determine the amount of insurance
Forgery and Counterfeit Money coverage,
required to equal 80% of the full replace-
stating the amount and cause of loss.
ment cost of the building immediately be-
3. Loss Settlement. Covered property losses are fore the loss, do not include the value of:
settled as follows:
(a) Excavations, foundations, piers or any
a. Property of the following types: supports which are below the undersur-
(1) Personal property; face of the lowest basement floor;
(2) Awnings, carpeting, household appliances, (b) Those supports in (a) above which are
outdoor antennas and outdoor equipment, below the surface of the ground inside
whether or not attached to buildings; and the foundation walls, if there is no
basement; and
(3) Structures that are not buildings;
(c) Underground flues, pipes, wiring and
at actual cash value at the time of loss but not drains.
more than the amount required to repair or re-
place. (4) We will pay no more than the actual cash
value of the damage until actual repair or
b. Buildings under Coverage A or B at replace- replacement is complete. Once actual re-
ment cost without deduction for depreciation, pair or replacement is complete, we will
subject to the following: settle the loss according to the provisions
(1) If, at the time of loss, the amount of insur- of b.(1) and b.(2) above.
ance in this policy on the damaged building However, if the cost to repair or replace the
is 80% or more of the full replacement cost damage is both:
of the building immediately before the loss,
we will pay the cost to repair or replace, (a) Less than 5% of the amount of insur-
after application of deductible and without ance in this policy on the building; and
deduction for depreciation, but not more (b) Less than $2500;
than the least of the following amounts:
we will settle the loss according to the pro-
(a) The limit of liability under this policy that visions of b.(1) and b.(2) above whether or
applies to the building; not actual repair or replacement is com-
(b) The replacement cost of that part of the plete.
building damaged for like construction
and use on the same premises; or

Page 10 of 18 Copyright, Insurance Services Office, Inc., 1990 HO 00 03 04 91

 (5) You may disregard the replacement cost 10. Loss Payment. We will adjust all losses with you.
loss settlement provisions and make claim We will pay you unless some other person is
under this policy for loss or damage to named in the policy or is legally entitled to receive
buildings on an actual cash value basis. payment. Loss will be payable 60 days after we
You may then make claim within 180 days receive your proof of loss and:
after loss for any additional liability accord- a. Reach an agreement with you;
ing to the provisions of this Condition 3.
Loss Settlement. b. There is an entry of a final judgment; or
4. Loss to a Pair or Set. In case of loss to a pair or c. There is a filing of an appraisal award with us.
set we may elect to: 11. Abandonment of Property. We need not accept
a. Repair or replace any part to restore the pair or any property abandoned by an "insured."
set to its value before the loss; or 12. Mortgage Clause.
b. Pay the difference between actual cash value The word "mortgagee" includes trustee.
of the property before and after the loss.
If a mortgagee is named in this policy, any loss
5. Glass Replacement. Loss for damage to glass payable under Coverage A or B will be paid to the
caused by a Peril Insured Against will be settled mortgagee and you, as interests appear. If more
on the basis of replacement with safety glazing than one mortgagee is named, the order of pay-
materials when required by ordinance or law. ment will be the same as the order of precedence
6. Appraisal. If you and we fail to agree on the of the mortgages.
amount of loss, either may demand an appraisal If we deny your claim, that denial will not apply to
of the loss. In this event, each party will choose a a valid claim of the mortgagee, if the mortgagee:
competent appraiser within 20 days after receiving
a. Notifies us of any change in ownership, occu-
a written request from the other. The two apprais-
pancy or substantial change in risk of which the
ers will choose an umpire. If they cannot agree
mortgagee is aware;
upon an umpire within 15 days, you or we may re-
quest that the choice be made by a judge of a b. Pays any premium due under this policy on
court of record in the state where the "residence demand if you have neglected to pay the
premises" is located. The appraisers will sepa- premium; and
rately set the amount of loss. If the appraisers c. Submits a signed, sworn statement of loss
submit a written report of an agreement to us, the within 60 days after receiving notice from us of
amount agreed upon will be the amount of loss. If your failure to do so. Policy conditions relating
they fail to agree, they will submit their differences to Appraisal, Suit Against Us and Loss Pay-
to the umpire. A decision agreed to by any two will ment apply to the mortgagee.
set the amount of loss.
If we decide to cancel or not to renew this policy,
Each party will: the mortgagee will be notified at least 10 days
a. Pay its own appraiser; and before the date cancellation or nonrenewal takes
effect.
b. Bear the other expenses of the appraisal and
umpire equally. If we pay the mortgagee for any loss and deny
payment to you:
7. Other Insurance. If a loss covered by this policy
is also covered by other insurance, we will pay a. We are subrogated to all the rights of the
only the proportion of the loss that the limit of li- mortgagee granted under the mortgage on the
ability that applies under this policy bears to the property; or
total amount of insurance covering the loss. b. At our option, we may pay to the mortgagee
8. Suit Against Us. No action can be brought unless the whole principal on the mortgage plus any
the policy provisions have been complied with and accrued interest. In this event, we will receive
the action is started within one year after the date a full assignment and transfer of the mortgage
of loss. and all securities held as collateral to the
mortgage debt.
9. Our Option. If we give you written notice within
30 days after we receive your signed, sworn proof Subrogation will not impair the right of the mort-
of loss, we may repair or replace any part of the gagee to recover the full amount of the mortga-
damaged property with like property. gee's claim.

HO 00 03 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 11 of 18

 13. No Benefit to Bailee. We will not recognize any c. This policy does not apply under Section I to
assignment or grant any coverage that benefits a loss caused directly or indirectly by nuclear
person or organization holding, storing or moving hazard, except that direct loss by fire resulting
property for a fee regardless of any other provi- from the nuclear hazard is covered.
sion of this policy. 15. Recovered Property. If you or we recover any
14. Nuclear Hazard Clause. property for which we have made payment under
a. "Nuclear Hazard" means any nuclear reaction, this policy, you or we will notify the other of the
recovery. At your option, the property will be re-
01704800000 W020633697 406414 LDEC D

radiation, or radioactive contamination, all

whether controlled or uncontrolled or however turned to or retained by you or it will become our
caused, or any consequence of any of these. property. If the recovered property is returned to
or retained by you, the loss payment will be ad-
b. Loss caused by the nuclear hazard will not be justed based on the amount you received for the
considered loss caused by fire, explosion, or recovered property.
smoke, whether these perils are specifically
named in or otherwise included within the Per- 16. Volcanic Eruption Period. One or more volcanic
ils Insured Against in Section I. eruptions that occur within a 72-hour period will be
considered as one volcanic eruption.
SECTION II – LIABILITY COVERAGES
COVERAGE E – Personal Liability 1. To a person on the "insured location" with the
If a claim is made or a suit is brought against an permission of an "insured"; or
"insured" for damages because of "bodily injury" or 2. To a person off the "insured location," if the
"property damage" caused by an "occurrence" to "bodily injury":
which this coverage applies, we will: a. Arises out of a condition on the "insured loca-
1. Pay up to our limit of liability for the damages for tion" or the ways immediately adjoining;
which the "insured" is legally liable. Damages in- b. Is caused by the activities of an "insured";
clude prejudgment interest awarded against the
"insured"; and c. Is caused by a "residence employee" in the
course of the "residence employee's" employ-
2. Provide a defense at our expense by counsel of ment by an "insured"; or
our choice, even if the suit is groundless, false or
fraudulent. We may investigate and settle any d. Is caused by an animal owned by or in the care
claim or suit that we decide is appropriate. Our of an "insured."
duty to settle or defend ends when the amount we
pay for damages resulting from the "occurrence"
equals our limit of liability.
COVERAGE F – Medical Payments To Others
We will pay the necessary medical expenses that are
incurred or medically ascertained within three years
from the date of an accident causing "bodily injury."
Medical expenses means reasonable charges for
medical, surgical, x-ray, dental, ambulance, hospital,
professional nursing, prosthetic devices and funeral
services. This coverage does not apply to you or
regular residents of your household except "residence
employees." As to others, this coverage applies only:

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

Page 12 of 18 Copyright, Insurance Services Office, Inc., 1990 HO 00 03 04 91

 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
residence; excluded 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
(3) In part, as an office, school, studio or pri- below.
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
motorized land conveyances, including
"insured";
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 in-
(2) A motorized land conveyance designed for
ception; 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 board engines or motors.
"insured location";
(ii) You acquire them during the policy
(3) A motorized golf cart when used to play period.
golf 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;
(b) 26 feet or more in overall length, not
or
owned by or rented to an "insured."
(c) In dead storage on an "insured loca-
tion";

HO 00 03 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 13 of 18

 (3) That are stored; (a) That directly relate to the ownership,
h. Arising out of: maintenance or use of an "insured loca-
tion"; or
(1) The ownership, maintenance, use, loading
or unloading of an aircraft; (b) Where the liability of others is assumed
by the "insured" prior to an
(2) The entrustment by an "insured" of an "occurrence";
aircraft to any person; or
unless excluded in (1) above or elsewhere
(3) Vicarious liability, whether or not statutorily
01804800000 W020633697 406414 LDEC D

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

Page 14 of 18 Copyright, Insurance Services Office, Inc., 1990 HO 00 03 04 91

 b. To any person eligible to receive benefits: (2) Nuclear radiation; or
(1) Voluntarily provided; or (3) Radioactive contamination;
(2) Required to be provided; all whether controlled or uncontrolled or how-
under any: ever caused; or
(1) Workers' compensation law; (4) Any consequence of any of these; or
(2) Non-occupational disability law; or d. To any person, other than a "residence em-
ployee" of an "insured," regularly residing on
(3) Occupational disease law; any part of the "insured location."
c. From any:
(1) Nuclear reaction;

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
fense of a claim or suit; and by 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
first aid to others incurred by an "insured" for excluded under Section II of this policy; or
"bodily injury" covered under this policy. We will b. Liability for an act of a director, officer or trus-
not pay for first aid to you or any other "insured." tee in the capacity as a director, officer or
3. Damage to Property of Others. We will pay, at trustee, 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

HO 00 03 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 15 of 18

 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 1. Section II – Coverage E – Personal Liability
arising out of: Exclusion 2.a.(1);
a. One accident, including continuous or repeated 2. Condition 1. Policy Period, under SECTIONS I
01904800000 W020633697 406414 LDEC D

exposure to substantially the same general AND II – CONDITIONS.

harmful condition; or
SECTION II – CONDITIONS
1. Limit of Liability. Our total liability under Cover- c. At our request, help us:
age E for all damages resulting from any one (1) To make settlement;
"occurrence" will not be more than the limit of li-
ability for Coverage E as shown in the Declara- (2) To enforce any right of contribution or in-
tions. This limit is the same regardless of the demnity against any person or organization
number of "insureds," claims made or persons in- who may be liable to an "insured";
jured. All "bodily injury" and "property damage" (3) With the conduct of suits and attend hear-
resulting from any one accident or from continu- ings and trials; and
ous or repeated exposure to substantially the
(4) To secure and give evidence and obtain
same general harmful conditions shall be consid-
the attendance of witnesses;
ered to be the result of one "occurrence."
d. Under the coverage – Damage to Property of
Our total liability under Coverage F for all medical
Others – submit to us within 60 days after the
expense payable for "bodily injury" to one person
loss, a sworn statement of loss and show the
as the result of one accident will not be more than
damaged property, if in the "insured's" control;
the limit of liability for Coverage F as shown in the
Declarations. e. The "insured" will not, except at the "insured's"
own cost, voluntarily make payment, assume
2. Severability of Insurance. This insurance applies
obligation or incur expense other than for first
separately to each "insured." This condition will
aid to others at the time of the "bodily injury."
not increase our limit of liability for any one
"occurrence." 4. Duties of an Injured Person – Coverage F –
Medical Payments to Others.
3. Duties After Loss. In case of an accident or
"occurrence," the "insured" will perform the follow- The injured person or someone acting for the in-
ing duties that apply. You will help us by seeing jured person will:
that these duties are performed: a. Give us written proof of claim, under oath if
a. Give written notice to us or our agent as soon required, as soon as is practical; and
as is practical, which sets forth: b. Authorize us to obtain copies of medical re-
(1) The identity of the policy and "insured"; ports and records.
(2) Reasonably available information on the The injured person will submit to a physical exam
time, place and circumstances of the acci- by a doctor of our choice when and as often as we
dent or "occurrence"; and reasonably require.
(3) Names and addresses of any claimants and 5. Payment of Claim – Coverage F – Medical
witnesses; Payments to Others. Payment under this cover-
age is not an admission of liability by an "insured"
b. Promptly forward to us every notice, demand,
or us.
summons or other process relating to the acci-
dent or "occurrence";

Page 16 of 18 Copyright, Insurance Services Office, Inc., 1990 HO 00 03 04 91

6. Suit Against Us. No action can be brought 7. Bankruptcy of an Insured. Bankruptcy or insol-
against us unless there has been compliance with vency of an "insured" will not relieve us of our ob-
the policy provisions. ligations under this policy.
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
been determined by final judgment or agreement liability that apply in this policy.
signed by us.

SECTIONS I AND II – CONDITIONS

1. Policy Period. This policy applies only to loss in (1) When you have not paid the premium, we
Section I or "bodily injury" or "property damage" in may cancel at any time by letting you know
Section II, which occurs during the policy period. at least 10 days before the date cancella-
2. Concealment or Fraud. The entire policy will be tion takes effect.
void if, whether before or after a loss, an "insured" (2) When this policy has been in effect for less
has: than 60 days and is not a renewal with us,
a. Intentionally concealed or misrepresented any we may cancel for any reason by letting
material fact or circumstance; you know at least 10 days before the date
cancellation takes effect.
b. Engaged in fraudulent conduct; or
(3) When this policy has been in effect for 60
c. Made false statements; days or more, or at any time if it is a re-
relating to this insurance. newal with us, we may cancel:
3. Liberalization Clause. If we make a change (a) If there has been a material misrepre-
which broadens coverage under this edition of our sentation of fact which if known to us
policy without additional premium charge, that would have caused us not to issue the
change will automatically apply to your insurance policy; or
as of the date we implement the change in your (b) If the risk has changed substantially
state, provided that this implementation date falls since the policy was issued.
within 60 days prior to or during the policy period
stated in the Declarations. This can be done by letting you know at
least 30 days before the date cancellation
This Liberalization Clause does not apply to takes effect.
changes implemented through introduction of a
subsequent edition of our policy. (4) When this policy is written for a period of
more than one year, we may cancel for any
4. Waiver or Change of Policy Provisions. reason at anniversary by letting you know
A waiver or change of a provision of this policy at least 30 days before the date cancella-
must be in writing by us to be valid. Our request tion takes effect.
for an appraisal or examination will not waive any c. When this policy is cancelled, the premium for
of our rights. the period from the date of cancellation to the
5. Cancellation. expiration date will be refunded pro rata.
a. You may cancel this policy at any time by d. If the return premium is not refunded with the
returning it to us or by letting us know in writing notice of cancellation or when this policy is
of the date cancellation is to take effect. returned to us, we will refund it within a rea-
sonable time after the date cancellation takes
b. We may cancel this policy only for the reasons
effect.
stated below by letting you know in writing of
the date cancellation takes effect. This cancel- 6. Nonrenewal. We may elect not to renew this
lation notice may be delivered to you, or policy. We may do so by delivering to you, or
mailed to you at your mailing address shown in mailing to you at your mailing address shown in
the Declarations. the Declarations, written notice at least 30 days
before the expiration date of this policy. Proof of
Proof of mailing will be sufficient proof of no-
mailing will be sufficient proof of notice.
tice.
7. Assignment. Assignment of this policy will not be
valid unless we give our written consent.

HO 00 03 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 17 of 18

 8. Subrogation. An "insured" may waive in writing a. We insure the legal representative of the de-
before a loss all rights of recovery against any ceased but only with respect to the premises
person. If not waived, we may require an assign- and property of the deceased covered under
ment of rights of recovery for a loss to the extent the policy at the time of death;
that payment is made by us. b. "Insured" includes:
If an assignment is sought, an "insured" must sign (1) Any member of your household who is an
and deliver all related papers and cooperate with "insured" at the time of your death, but only
us.
02004800000 W020633697 406414 LDEC D

while a resident of the "residence prem-

Subrogation does not apply under Section II to ises"; and
Medical Payments to Others or Damage to Prop- (2) With respect to your property, the person
erty of Others. having proper temporary custody of the
9. Death. If any person named in the Declarations or property until appointment and qualification
the spouse, if a resident of the same household, of a legal representative.
dies:

Page 18 of 18 Copyright, Insurance Services Office, Inc., 1990 HO 00 03 04 91

 HOMEOWNERS
HO 04 16 04 91

PREMISES ALARM OR
FIRE PROTECTION SYSTEM

For a premium credit, we acknowledge the installation of an alarm system or automatic sprinkler system approved
by us on the "residence premises." You agree to maintain this system in working order and to let us know promptly
of any change made to the system or if it is removed.

HO 04 16 04 91 Copyright, Insurance Services Office, Inc., 1990 Page 1 of 1

 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 "residence
02104800000 W020633697 406414 LDEC D

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

 HOMEOWNER
HP-0087-00 (10/10)

THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY.

OFF-ROAD RECREATIONAL OR SERVICE VEHICLE LIABILITY LIMITATION

Our Limit of Liability under Section II – CONDITIONS, Coverage E for any “bodily injury” or
“property damage” resulting from any one “occurrence”, whether or not the occurrence was on
the “insured location” or any other location, shall not exceed $25,000 if arising out of:

1. A trailer not towed by or carried on a motorized land conveyance.

2. A motorized land conveyance, not including a golf cart, designed for recreational use off public
roads, not subject to motor vehicle registration and:
(a) Not owned by an "insured"; or
(b) Owned by an "insured" provided the “occurrence” takes place on an “insured location” as
defined in Definitions 4.a., b., d., e. or h.; or
3. A vehicle or conveyance not subject to motor vehicle registration which is:
(a) Used to service an "insured's" residence;
(b) Designed for assisting the handicapped and, at the time of an “occurrence”, it is:
i. Being used to assist a handicapped person; or
ii. Parked on an “insured location”;
(c) In dead storage on an "insured location";

All “bodily injury” and “property damage” resulting from any one accident or from continuous or
repeated exposure to substantially the same general harmful conditions shall be considered to
be the result of one “occurrence”.

All other policy provisions apply.

HP-0087-00 (10/10) Page 1 of 1

 HP-0458-00 (07/21)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CYBER LOSS EXCLUSION

Notwithstanding any provision to the contrary within this Policy, this Policy does not provide SECTION II –
LIABILITY COVERAGES, Coverage E – Personal Liability and will not provide payments for indemnity or
02204800000 W020633697 406414 LDEC D

expense costs for any “Cyber Loss”.

With respect to this exclusion, the following Definitions supersede any alternate definitions in the Policy or in
any other Endorsement:
DEFINITIONS
1. “Cyber Loss” means any loss, damage, liability, claim, cost or expense directly or indirectly
caused by, contributed to by, resulting from, arising out of or in connection with any “Cyber Act”.
2. “Cyber Act” means an intentional or malicious act or series of intentional or malicious acts,
regardless of time and place during the policy period, or the threat or hoax thereof involving
processing of, use of or operation of any “Computer Equipment” or any data by an “insured”, or any
person or group(s) of persons under an “insured’s” direct authority or control.
3. “Computer Equipment” means:
a. Computer hardware, software, operating systems or networks; and
b. Other electronic parts, equipment or systems solely designed for use with or connected to
equipment in a. above.

All other provisions of this Policy apply.

HP-0458-00 (07/21) Page 1 of 1

POLICY NUMBER: HOMEOWNERS
HP-0477-00 (01/09)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ORDINANCE OR LAW –
AMOUNT OF COVERAGE
SECTION I – PROPERTY COVERAGES (2) The costs to comply with any ordinance or
law which requires any "insured" or others
ADDITIONAL COVERAGES
to test for, monitor, clean up, remove,
11. Ordinance Or Law is deleted and replaced by contain, treat, detoxify or neutralize, or in
the following: any way respond to, or assess the effects
a. You may use up to the percentage shown on of, pollutants on any covered building or
the Declarations that applies to Coverage A other structure.
(or for Form HO 00 04, you may use up to the Pollutants means any solid, liquid, gase-
percentage shown on the Declarations that ous or thermal irritant or contaminant, in-
applies to Building Additions And Alterations) cluding smoke, vapor, soot, fumes, acids,
for the increased costs you incur due to the alkalis, chemicals and waste. Waste in-
enforcement of any ordinance or law which cludes materials to be recycled, recondi-
requires or regulates: tioned or reclaimed.
(1) The construction, demolition, remodeling, This coverage is additional insurance.
renovation or repair of that part of a cov-
ered building or other structure damaged (This is Additional Coverage 10. In Form HO 00
by a Peril Insured Against; 06.)
(2) The demolition and reconstruction of the All other provisions of this policy apply.
undamaged part of a covered building or
other structure, when that building or
other structure must be totally demolished
because of damage by a Peril Insured
Against to another part of that covered
building or other structure; or
(3) The remodeling, removal or replacement
of the portion of the undamaged part of a
covered building or other structure neces-
sary to complete the remodeling, repair or
replacement of that part of the covered
building or other structure damaged by a
Peril Insured Against.
b. You may use all or part of this ordinance or
law coverage to pay for the increased costs
you incur to remove debris resulting from the
construction, demolition, remodeling, renova-
tion, repair or replacement of property as
stated in a. above.
c. We do not cover:
(1) The loss in value to any covered building
or other structure due to the requirements
of any ordinance or law; or

HP-0477-00 (01/09) Includes copyrighted material of Insurance Services Office, Inc. Page 1 of 1
with its permission.
 HOMEOWNERS
HP-0645-00 (08/21)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

SOLAR PANEL(S), SOLAR ROOF(S) AND SOLAR WATER HEATING

SYSTEM(S) LIABILITY LIMITATION
02304800000 W020633697 406414 LDEC D

Our total limit of liability under Section II – Liability Coverages, Coverage E –

Personal Liability for any “bodily injury” or “property damage” shall not exceed
$25,000 per "occurrence", arising out of:
(1) the presence, use, maintenance or failure of “solar panels”, “solar roofs”, and/or
“solar water heating systems”, or any of their components, whether attached to the
dwelling or not, providing electricity to your “residence premises”, or in addition to
the above, have an interconnection to your electric utility:
(a) Not owned by an “insured”;
(b) Owned or leased by an “insured”;
(c) In the care, custody or control of any “insured”; or
(2) the inhalation of, ingestion of, contact with, exposure to, existence of, or presence
of any pollutants from the use of “solar panels”, “solar roofs” and/or “solar water
heating systems” or any of their components, whether attached to the dwelling or
not providing electricity to your “residence premises” or in addition to the above
have an interconnection to your electric utility, owned, leased, or in the care,
custody and control of any “insured”.

All other policy provisions apply.

HP-0645-00 (08/21) Page 1 of 1

 HOMEOWNERS
HP-0650-00 (08/23)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

MATCHING OF UNDAMAGED PROPERTY

SPECIAL LIMIT OF LIABILITY
With respect to this endorsement, the provisions of For Form HO 00 06:
the policy apply unless modified by the endorsement. The total limit of liability for Coverage A is 1% of the
The following is added: Coverage A limit of liability for repairs or
In form RPI HO 09 SP3 - SPECIAL PROVISIONS - replacements of any undamaged part of the building
FLORIDA under SECTION I - PROPERTY or its components solely to match repairs made to
COVERAGES, COVERAGE A - Dwelling and damage as a result of a covered loss.
COVERAGE B - Other Structures: This limitation does not increase the Coverage A limit
In HO 00 06 - HOMEOWNERS 6 UNIT-OWNERS of liability shown on the Declarations page, nor does it
FORM under SECTION I - PROPERTY apply to damage otherwise limited or excluded.
COVERAGES, COVERAGE A - Dwelling:
SPECIAL LIMIT OF LIABILITY All other policy provisions apply.
MATCHING OF UNDAMAGED PROPERTY
We will repair or replace undamaged property due to
mismatch between undamaged material and new
material in adjoining areas if repairs or replacement
are reasonable. In determining the extent of the
repairs or replacement of items in adjoining areas, we
will consider:
1. The cost of repairing or replacing the
undamaged portions of the property; and
2. The degree of uniformity that can be achieved
without such cost;
3. The remaining useful life of the undamaged
portion; and
4. Other relevant factors.

For Form RPI HO 09 SP3:

The total limit of liability for Coverages A and B is 1%
of the Coverage A limit of liability for repairs or
replacements of any undamaged part of the building
or its components solely to match repairs made to
damage as a result of a covered loss.
This limitation does not increase the Coverage A or
Coverage B limits of liability shown on the
Declarations page, nor does it apply to damage
otherwise limited or excluded.

HP-0650-00 (08/23) Page 1 of 1

 HOMEOWNERS
HP-0800-00 (07/21)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

COMMUNICABLE DISEASE EXCLUSION

DEFINITIONS
02404800000 W020633697 406414 LDEC D

The following Definition applies to this Policy and supersedes any alternate definition in the Policy or in any
other Endorsement:
1. “Communicable Disease” means any disease which can be transmitted by means of any substance or
agent from any organism to another organism where:
a. The substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism
or any variation thereof, whether deemed living or not; and
b. The method of transmission, whether direct or indirect, includes but is not limited to:
(1) Airborne transmission;
(2) Aerosol transmission;
(3) Bodily fluid transmission; and
(4) Transmission from or to any surface or object, solid, liquid or gas or between organisms; and
c. The disease, substance or agent can cause or threaten damage to human health or human welfare
or can cause or threaten damage to, deterioration of, loss of value of, marketability of or loss of use
of property.
SECTION I – PROPERTY COVERAGES or under SECTION II – LIABILITY COVERAGES
This Policy does not apply to claims made for “bodily injury” or “property damage” arising out of or in
connection with, the actual or alleged transmission of any “Communicable Disease.”
This endorsement excludes all the following:
1. Any loss, damage, liability, claim, cost or expense of whatsoever nature; directly or indirectly
caused by, contributed by, resulting from, arising out of, or in connection with a “Communicable
Disease.”
2. The fear or threat (whether actual or perceived) of a “Communicable Disease” regardless of any
other cause or event contributing concurrently or in any other sequence thereto.
3. The cost of testing to confirm the absence, presence, or level of “Communicable Disease,” as well
as the cost of any cleaning, sanitation, mitigation, or remediation of air or property.
This exclusion applies even if a claim asserts negligence or other wrongdoing in the:
1. Supervision, hiring, employment, training or monitoring of others that may be infected with and
spread a “Communicable Disease”;
2. Testing for a “Communicable Disease”;
3. Failure to prevent the spread of the “Communicable Disease”; or
4. Failure to report the disease to authorities.
However, losses involving “Communicable Disease” as described above, concurrently, directly or indirectly
caused by; contributed to; resulting from; arising out of; or in connection with any otherwise covered peril or
liability coverage claim under the policy and not otherwise excluded under this policy shall be covered.
All other provisions and exclusions of this Policy apply.

HP-0800-00 (07/21) Page 1 of 1

 IL-0301-00 (09/11)

THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY.

COSMETIC AND AESTHETIC DAMAGE TO FLOORS LIMITATION

The total limit of liability for Coverages A and B combined is $10,000 per policy term for
cosmetic and aesthetic damages to floors.
1. Cosmetic or aesthetic damage includes but is not limited to:
a) Chips
b) Scratches
c) Dents or any other damage to less than 5% of the total floor surface area and
does not prevent typical use of the floor.
2. This limit includes the cost of tearing out and replacing any part of the building
necessary to repair the damaged flooring.
3. This limit does not increase the Coverage A or Coverage B limits of liability shown on
the Declarations.
4. This limit does not apply to cosmetic or aesthetic damage to floors caused by a Peril
Insured Against as named and described for Coverage C – Personal Property.

All other policy provisions apply.

IL-0301-00 (09/11) Page 1 of 1

 IL-0503-00 (09/16)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CATASTROPHIC GROUND COVER
COLLAPSE COVERAGE
For the premium charged, your policy includes the 4. Damage that results in the building, or any
following: portion of the building containing “primary
structural members” or “primary structural
02504800000 W020633697 406414 LDEC D

DEFINITIONS
systems”, being significantly likely to
The following definitions are added: imminently collapse because of the movement
“Catastrophic Ground Cover Collapse” means or instability of the ground within the influence
geological activity that results in all of the zone of the supporting ground within the sheer
following: plane necessary for the purpose of supporting
1. the abrupt collapse of the ground cover; such building as defined within the Florida
2. a depression in the ground cover clearly Building Code; or
visible to the naked eye; 5. Damage occurring on or after October 15,
3. “structural damage” to the covered building, 2005, that qualifies as “substantial structural
including the foundation; and damage” as defined in the Florida Building
4. the insured structure being condemned and Code.
ordered to be vacated by the governmental "Primary structural member" means a structural
agency authorized by law to issue such an element designed to provide support and stability
order for that structure. for the vertical or lateral loads of the overall
“Structural damage” means a covered building, structure.
regardless of the date of its construction, has "Primary structural system" means an
experienced the following: assemblage of primary structural members.
1. Interior floor displacement or deflection in “Principal building” means the dwelling where you
excess of acceptable variances as defined in reside on the “residence premises” shown in the
ACI 117-90 or the Florida Building Code, Declarations, not including other structures,
which results in settlement related damage to driveways, sidewalks, decks or patios. Patios or
the interior such that the interior building decks are covered if it is an extension of the
structure or members become unfit for service foundation and made of the same material and/or
or represents a safety hazard as defined under the same roof line of the “principal
within the Florida Building Code; building”. (This definition applies to form HO 00
2. Foundation displacement or deflection in 03 only)
excess of acceptable variances as defined in
ACI 318-95 or the Florida Building Code, “Principal building” means that part of the
which results in settlement related damage to “residence premises” where you reside and is
the “primary structural members” or “primary shown in the Declarations, not including other
structural systems” that prevents those structures, driveways, sidewalks, decks or patios.
members or systems from supporting the Patios or decks are covered if it is an extension of
loads and forces they were designed to the foundation and made of the same material
support to the extent that stresses in those and/or under the same roof line of the “principal
“primary structural members” or “primary building”. (This definition applies to form
structural systems” exceeds one and one- HO 00 04 only)
third the nominal strength allowed under the “Principal building” means the unit on the
Florida Building Code for new buildings of “residence premises” shown in the Declarations,
similar structure, purpose, or location; not including other structures, driveways,
3. Damage that results in listing, leaning, or sidewalks, decks or patios. Patios or decks are
buckling of the exterior load bearing walls or covered if it is an extension of the foundation and
other vertical “primary structural members” to made of the same material and/or under the
such an extent that a plumb line passing same roof line of the “principal building”. (This
through the center of gravity does not fall definition applies to form HO 00 06 only)
inside the middle one-third of the base as
defined within the Florida Building Code;

IL-0503-00 (09/16) Page 1 of 2

 IL-0503-00 (09/16)

SECTION I – PROPERTY COVERAGES 1. “Catastrophic Ground Cover Collapse”

coverage does not include damage consisting
ADDITIONAL COVERAGES merely of the settling or cracking of a
The following is added: foundation, structure, or building.
13. Catastrophic Ground Cover Collapse 2. The Earth Movement and Settlement
Exclusion does not apply. “Catastrophic
We insure for direct physical loss to property, Ground Cover Collapse” is an exception to
covered under Section I, caused by a the exclusion 1.b. Earth Movement and
“Catastrophic Ground Cover Collapse”.
Settlement.
“Catastrophic Ground Cover Collapse”
coverage is restricted to only the “principal (This applies to exclusion 2. Earth Movement
building”. When Coverage B – Other and Settlement in Form HO 00 04 and HO 00
Structures is included in the policy, it is not 06.)
covered for direct physical loss caused by a
SECTION I – CONDITIONS
“Catastrophic Ground Cover Collapse”.
Contents coverage applies if there is a loss Loss Settlement paragraph 3.c. is added:
resulting from a “Catastrophic Ground Cover c. If the covered building suffers a
Collapse”. “Catastrophic Ground Cover Collapse”,
“Catastrophic Ground Cover Collapse” you must repair such damage or loss in
coverage does not increase the limit of accordance with our professional
Liability that applies to the damaged property. engineer’s recommended repairs.
However, if our professional engineer
SECTION I – EXCLUSIONS
determines that the repair cannot be
With respect to coverage provided by this completed within policy limits, we must
endorsement the following language is added: pay to complete the repairs recommended
by our professional engineer or tender the
policy limits to you.
All other provisions of this policy apply.

IL-0503-00 (09/16) Page 2 of 2

 IMPORTANT NOTICE

YOUR POLICY PROVIDES COVERAGE FOR A CATASTROPHIC

GROUND COVER COLLAPSE THAT RESULTS IN THE
PROPERTY BEING CONDEMNED AND UNINHABITABLE.
OTHERWISE, YOUR POLICY DOES NOT PROVIDE COVERAGE
02604800000 W020633697 406414 LDEC D

FOR SINKHOLE LOSSES. YOU MAY PURCHASE ADDITIONAL

COVERAGE FOR SINKHOLE LOSSES FOR AN ADDITIONAL
PREMIUM.

IL-0506-00 (06/07) Page 1 of 1

 IL P 001 01 04

U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN

ASSETS CONTROL ("OFAC")
ADVISORY NOTICE TO POLICYHOLDERS
No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your
policy. You should read your policy and review your Declarations page for complete information on the coverages
you are provided.
This Notice provides information concerning possible impact on your insurance coverage due to directives issued
by OFAC. Please read this Notice carefully.
The Office of Foreign Assets Control (OFAC) administers and enforces sanctions policy, based on Presidential
declarations of "national emergency". OFAC has identified and listed numerous:
• Foreign agents;
• Front organizations;
• Terrorists;
• Terrorist organizations; and
• Narcotics traffickers;
as "Specially Designated Nationals and Blocked Persons". This list can be located on the United States Treas-
ury's web site – http//www.treas.gov/ofac.
In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity
claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and
Blocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and all
provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such
a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC.
Other limitations on the premiums and payments also apply.

IL P 001 01 04 © ISO Properties, Inc., 2004 Page 1 of 1

 Notice of Premium Discounts for Hurricane Loss Mitigation

*** Important Information ***

About Your Personal Residential Insurance Policy

05/10/2024

Dear Homeowner,
02704800000 W020633697 406414 LDEC D

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.

Sincerely,

TOWER HILL INSURANCE EXCHANGE

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 the hurricane-wind premium higher than for
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 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 84%.

IL-WMCA (04/11) Page 1 of 4

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
$5,921.00
your hurricane-wind premium* of ____________which is part of your total annual
$8,258.76
premium of ____________. Remember, the discounts shown only apply to the
hurricane-wind portion of the premium and the discounts for the construction
techniques and features listed below 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.

Current hurricane loss mitigation features provide your policy with a discount of
____,
20% or ___________.
$1,187.00

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. **

• Reinforced Concrete Roof Deck.

(If this feature is installed on your home you
most likely will not qualify for any other 82% $3,671.00
discount.)

How Your Roof is Attached

• Using a 2" nail spaced at 6" from the edge of ** **
the plywood and 12" in the field of the
plywood.

• Using a 2 1/2" nail spaced at 6" from the edge

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

• Using a 2 1/2" nail spaced at 6" from the edge

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

IL-WMCA (04/11) Page 2 of 4

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

Roof-to-Wall Connection
• Using Toe Nails – defined as three nails ** **
driven at an angle through the rafter and into
the top roof.

• Using Clips - defined as pieces of metal that

72% $3,079.00
are nailed into the side of the rafter/truss and
into the side of the top plate or wall stud.
02804800000 W020633697 406414 LDEC D

• Using Single Wraps – a single strap that is

76% $3,316.00
attached to the side and/or bottom of the top
plate and are nailed to the rafter/truss.

• Using Double Wraps - straps are attached to

the side and/or bottom of the top plate and are 76% $3,316.00
nailed to the rafter/truss.

Roof Shape
• Hip Roof – defined as your roof sloping down 57% $2,191.00
to meet all your outside walls (like a pyramid).

• Other. ** **

Secondary Water Resistance (SWR)

• SWR – defined as a layer of protection ** **
between the shingles and the plywood
underneath that protects the building if the
shingles blow off.

• No SWR.
** **

Shutters
• None. ** **

• Intermediate Type —shutters that are strong

enough to meet half the old Miami-Dade 57% $2,191.00
building code standards.

• Hurricane Protection Type -- shutters that are

68% $2,842.00
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.

** Shown as not applicable because policy already reflects either the feature noted or a feature providing
a larger discount.

IL-WMCA (04/11) Page 3 of 4

 Homes built under the 2001 building code or later

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

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 a
greater discount if other mitigation features are installed
on your home.

Shutters
N/A N/A
• None.

• Intermediate Type —shutters that are strong

enough to meet half the old Miami-Dade building N/A N/A
code standards.

• Hurricane Protection Type -- shutters that are

N/A N/A
strong enough to meet the current Miami-Dade
building code standards.

Roof Shape
N/A N/A
• Hip Roof – defined as your roof sloping down to
meet all your outside walls (like a pyramid).

• Other. N/A N/A

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

** Shown as not applicable because policy already reflects either the feature noted or a feature providing
a larger discount.

Alternately and regardless of the year of construction, if you meet the minimum fixture
and construction requirements of the 2001 Florida Building Code you have the option to
reduce your hurricane-wind deductible from ___N/A___ to ____ __.
N/A

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
insurance agent or the insurance company at _____________
(800) 891-4222__.

IL-WMCA (04/11) Page 4 of 4

 TOWER HILL INSURANCE GROUP, LLC
P.O. Box 147018
Gainesville, FL 32614-7018

As General Agent or Policy Administrator for and on behalf of its sponsoring insurance companies:

Lloyd’s Syndicates
RenaissanceRe Specialty U.S. Ltd.
Tower Hill Insurance Exchange
02904800000 W020633697 406414 LDEC D

Tower Hill Preferred Insurance Company

Tower Hill Prime Insurance Company
Tower Hill Signature Insurance Company
Vantage Risk Specialty Insurance Company

PRIVACY NOTICE

We value you as a customer and respect your right to privacy. This Notice describes the privacy practices
of each insurance company listed above and its affiliates (“companies”) regarding the collection, use,
security, and sharing of non- public personal information (“customer information”) by Tower Hill Insurance
Group, LLC and its affiliates (“Tower Hill”).

Tower Hill is an appointed general agent or policy administrator for the companies (referred to as “we”,
“us”, or “our” in this Notice). As such, Tower Hill solicits, underwrites, issues, and processes property and
casualty insurance policies and claims for the companies. Each company is a separate insurer and may
be affiliated with other insurance companies. Tower Hill Insurance Exchange is a reciprocal insurer
managed by Tower Hill Risk Management, LLC.

On behalf of itself, its affiliates and the companies, Tower Hill is providing the following Privacy Notice, as
required by federal and state laws. If you have any questions after reading this Privacy Notice, please
contact Tower Hill at the address noted above.

How We Protect Customer Information

We maintain physical, electronic and procedural safeguards that comply with applicable regulatory
standards to protect your customer information. We also restrict access to your customer information to
only those individuals who need to know that information to provide products or services to you. All
employees, agents, affiliates, and third parties are required to adhere to our privacy standards and use
customer information only for legitimate business purposes.

Information We Collect

We collect customer information about you and the members of your household from the following
sources:

• Application Forms: Information we receive from you on applications and other forms, such as your
name, address, date of birth, social security number, family member information, property location and
value.
• Prior Transaction History: Information about your transactions and experiences with us, our affiliates,
or others, such as your policy coverage, premiums, payments, and claims history.
• Reporting Agencies: Information we receive from consumer reporting agencies, other insurers, medical
providers, and insurance support organizations, such as motor vehicle records, and credit report
information.

Privacy Notice (08/21) -1-

 Information We Disclose and To Whom

We do not disclose any customer information about our customers or former customers to anyone,
except as permitted by law.

We may disclose all of the customer information we collect about you, as described above in “Information We
Collect,” to our affiliates and other entities that perform marketing or administrative services on our behalf,
or to other financial institutions with whom we have joint marketing agreements, or as permitted by law.
Affiliated companies may include insurers and reinsurers, insurance agencies and brokers, attorneys in
fact, claims adjusters, and information technology companies. Other entities are not affiliated companies
and may include other insurance and reinsurance companies, service vendors, insurance agencies and
other persons as permitted by law. These affiliated and other entities provide services necessary to carry
out our normal business activities, such as evaluating requests for insurance products, processing
policies and transactions to renew, replace or service your policy of insurance, evaluating claims,
marketing our products and services, and administering policies. Any joint marketing agreements we have
with other entities prohibit the disclosure of any shared non-public personal information other than to carry
out the purposes for which we or such other entities disclose information pursuant to those marketing
agreements.

We share with our affiliates customer information permitted by law including information arising from
transactions and experiences with you. We do not share other credit-related information with our
affiliates, except as permitted or required by law.

We will not use or share any personally identifiable health information for any purpose except to
underwrite insurance, administer your policy, account or claim, as required or permitted by law, or as
otherwise authorized by you.

Notice of Information Practices

You have the right to understand how we use the customer information we collect. Please contact us if
you have any questions. If your insured property is in the states of AZ, CA, CT, GA, HI, IL, KS, MA, ME, MN,
MT, NV, NJ, NC, OH, OR, VA, you have the right to access information we have collected about you and
correct information that is not accurate. You may request a more detailed notice of our access and
correction practices from the address noted above.

This Privacy Notice describes our practices for current and former customers. If there is more than one
person insured under this policy, only the named insured on the policy will receive this Notice, though
additional insureds may request a copy of this Notice. Please share this information with everyone
covered by the policy.

We reserve the right to modify this policy at anytime. If we make material changes, we will provide a
revised Notice.

Thank you for choosing Tower Hill and its companies. Our Privacy Notice applies to the following affiliates
in the Tower Hill family of companies:

Alachua Capital Corporation Tower Hill Insurance Group, LLC.

Bluegrass Insurance Management, LLC Tower Hill Insurance Services, LLC
ICS Software Acquisition, Inc. Tower Hill Preferred Insurance Company
RenaissanceRe Specialty U.S. Ltd. Tower Hill Prime Insurance Company
Tomoka Re Holdings, Inc. Tower Hill Signature Insurance Company
Tomoka Reinsurance Intermediaries, Inc. Tower Hill Signature Insurance Holdings, Inc
Tower Hill Claims Services, LLC Tower Hill Risk Management, LLC
Tower Hill Holdings, LLC Vantage Risk Specialty Insurance Company
Tower Hill Insurance Exchange

Privacy Notice (08/21) - 2-

 HOMEOWNERS
RP-0435-00 (08/18)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LOSS ASSESSMENT COVERAGE

1. Under Section I – Additional Coverages, Item 7. property, regardless of the number of
Loss Assessment is deleted and replaced by the corporations or associations imposing
following: loss assessments.
03004800000 W020633697 406414 LDEC D

7. Loss Assessment. f. A $250 deductible applies to any one

a. We will pay up to the loss assessment direct loss to property, regardless of the
coverage limit, for your share of loss number of loss assessments and
assessment charged during the policy regardless of the number of corporations
period against you, as owner or tenant of or associations imposing loss
the “residence premises”, by a corporation assessments.
or association of property owners. This g. The following do not apply to this
loss assessment must be made as a result coverage:
of direct loss to the property, owned by all (1) Section I – Exclusion 1.l.; and
members collectively, caused by a Peril (2) Condition 1. Policy Period, under
Insured Against under COVERAGE A – SECTIONS I AND II CONDITIONS.
DWELLING, other than earthquake or land
2. Under Section II – Additional Coverages, item 4.
shock waves or tremors before, during or
Loss Assessment is deleted and replaced by the
after a volcanic eruption.
following:
b. We do not cover loss assessments
4. Loss Assessment.
charged against you or a corporation or
association of property owners by any a. We will pay up to the loss assessment
governmental body. coverage limit for your share of loss
c. The loss assessment coverage limit is the assessment charged during the policy
most we will pay with respect to any one period against you by a corporation or
loss, regardless of the number of loss association of property owners, when the
assessments and regardless of the assessment is made as a result of:
number of corporations or associations (1) "Bodily injury" or "property damage"
imposing loss assessments. not excluded under Section II of this
d. The maximum amount of loss assessment policy; or
coverage for any loss is the amount equal (2) Liability for an act of a director, officer
to the loss assessment coverage limit in or trustee in the capacity as a director,
effect one day before the date of the direct officer or trustee, provided:
loss to the property. Any changes to the (a) The director, officer or trustee is
limits of a homeowner’s coverage for loss elected by the members of a
assessments made on or after the day corporation or association of
before the date of the direct loss to the property owners; and
property are not applicable to such loss. (b) The director, officer or trustee
e. SPECIAL LIMITS serves with-out deriving any
(1) We will not pay more than $1,000 of income from the exercise of duties
your assessment that results from a which are solely on behalf of a
deductible in the policy of insurance corporation or association of
purchased by a corporation or property owners.
association of property owners. b. This coverage applies only to loss
(2) If the direct loss to property occurred assessments charged against you as
prior to the inception date of this owner or tenant of the "residence
policy, and the “residence premises” premises."
was not listed on any policy issued by c. We do not cover loss assessments
Tower Hill Insurance Group at the time charged against you or a corporation or
of the direct loss to property, we will association of property owners by any
pay a maximum of $1,000 for all governmental body.
assessments for that direct loss to

RP-0435-00 (08/18) Includes copyrighted material of Insurance Services Office Inc., Page 1 of 2
with its permission
 d. Regardless of the number of (2) If the accident or act described in
assessments, the loss assessment 4.d.(1) and 4.d.(2) above occurred
coverage limit is the most we will pay for prior to the inception date of this
loss arising out of: policy, and the “residence premises”
(1) One accident, including continuous or was not listed on any policy issued by
repeated exposure to substantially the Tower Hill Insurance Group at the time
same general harmful condition; or of the direct loss, we will pay a
(2) A covered act of a director, officer or maximum of $1,000 for all
trustee. An act involving more than assessments for that accident or act
one director, officer or trustee is described in 4.d.(1) and 4.d.(2) above,
considered to be a single act. regardless of the number of
e. The maximum amount of loss assessment corporations or associations imposing
coverage for any loss is the amount equal loss assessments.
to the loss assessment coverage limit in g. The following do not apply to this
effect one day before the date of the coverage:
accident or act described in 4.d.(1) and (1) Section II – Coverage E – Personal
4.d.(2) above. Any changes to the limits of Liability Exclusion 2.a.(1); and
a homeowner’s coverage for loss (2) Condition 1. Policy Period, under
assessments made on or after the day SECTIONS I AND II – CONDITIONS.
before the date of the accident or act
described in 4.d.(1) and 4.d.(2) above are
not applicable to such loss. All other provisions of this policy apply.
f. SPECIAL LIMITS
(1) We will not pay more than $1,000 of
your assessment that results from a
deductible in the policy of insurance
purchased by a corporation or
association of property owners.

RP-0435-00 (08/18) Includes copyrighted material of Insurance Services Office Inc., Page 2 of 2
with its permission
 Checklist of Coverage

Policy Type: Homeowners

(Indicate: Homeowner's, Condominium Unit Owner's, Tenant's, Dwelling, or Mobile Home Owner's)

The following checklist is for informational purposes only. Florida law prohibits this checklist from changing any of the provisions of the
03104800000 W020633697 406414 LDEC D

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.

This form was adopted by the Florida Financial Services Commission.

Dwelling Structure Coverage (Place of Residence)

Limit of Insurance: $1,555,356 Loss Settlement Basis: Replacement Cost

(i.e.: Replacement Cost, Actual Cash Value, Stated Value, etc.)

Other Structures Coverage (Detached from Dwelling)

Limit of Insurance: $0 Loss Settlement Basis: No Coverage

(i.e.: Replacement Cost, Actual Cash Value, Stated Value, etc.)

Personal Property Coverage

Limit of Insurance: $0 Loss Settlement Basis: No Coverage

(i.e.: Replacement Cost, Actual Cash Value, Stated Value, etc.)

Deductibles

Calendar Year Hurricane: $31,107 / 2% of Coverage A All Perils

Sinkhole Loss: No Coverage (Other Than Sinkhole and Hurricane): $10,000
Flood: No Coverage

RP-CKLS HO (08/21) Page 1 of 3

 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
N Flood (Including storm surge) EXCLUDED
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
N Accidental Discharge or Overflow of Water or Steam EXCLUDED
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 EXCLUDED
Y Any Other Peril Not Specifically Excluded (dwelling and other structures only)

Special limits and loss settlement exceptions may apply to certain items. Refer to your policy for details.
Loss of Use Coverage
Coverage Limit of
Time Limit
Insurance
(Items below marked Y (Yes) indicate coverage IS included, those marked N (No) indicate coverage is NOT included)
Additional Living Expense (We will pay 80% of the additional expenses
Shortest time required to
Y you incur, for a "hurricane loss" and 100% for other losses, but no more $155,536
repair/replace/relocate
than limit shown for Coverage D in the Declarations.)
Fair Rental Value (We will pay 80% of the rental losses you incur, for a
N "hurricane loss" and 100% for other losses, but no more than limit shown
for Coverage D in the Declarations.)
Y Civil Authority Prohibits Use $155,536 2 weeks maximum

Property - Additional/Other Coverages

Amount of insurance is an additional amount of coverage or
Limit of up to is included within the policy limit.
(Items below marked Y (Yes) indicate coverage IS
included, those marked N (No) indicate coverage is $1,555,356
NOT included) Included Additional
Unless Otherwise Noted

Y Debris Removal 5% of Cov. A Limit X

Y Reasonable Repairs X
N Property Removed
Credit Card, Electronic Fund Transfer Card, or
Y Access Device, Forgery and Counterfeit Money
$500 X
Y Loss Assessment $1,000 X
Y Collapse X
Y Glass or Safety Glazing Material X
Y Landlord's Furnishings $2,500 X
Y Law and Ordinance $155,536 X
N Grave Markers

$10,000 per loss /

Y Mold / Fungi X
$10,000 aggregate

RP-CKLS HO (08/21) Page 2 of 3

 Checklist of Coverage (continued)
Discounts
(Items below marked Y (Yes) indicate discount IS applied, those
Dollar ($) Amount of Discount
marked N (No) indicate discount is NOT applied)
N Multiple Policy
Y Fire Alarm / Smoke Alarm / Burglar Alarm Included in Base Premium
N Sprinkler
Y Windstorm Loss Reduction Included in Base Premium
N Building Code Effectiveness Grading Schedule
Other
03204800000 W020633697 406414 LDEC D

Insurer May Insert Any Other Property Coverage Below

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

Water Damage, including water penetration into the house unless a

N direct result of damage caused during a hurricane occurrence or tropical N
storm occurrence.

Personal Liability Coverage

Limit of Insurance: $300,000

Medical Payments to Others Coverage

Limit of Insurance: $1,000

Liability - Additional/Other Coverages

(Items below marked Y (Yes) indicate coverage IS Amount of insurance is an additional amount of coverage or is
Limit of Insurance
included, those marked N (No) indicate coverage is included within the policy limit.
NOT included) Included Additional
Y Claim Expenses $50 per day X
Y First Aid Expenses Incurred Cost X
Y Damage to Property of Others $500 X
Y Loss Assessment $1,000 X

Insurer May Insert Any Other Liability Coverage Below

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

Y Off-Road, Recreational or Service Vehicle Liability $25,000

Y Limited Fungi, Wet or Dry Rot, or Bacteria Coverage $50,000
Y Solar Panel, Solar Roof and Solar Water Heating System Liability $25,000

RP-CKLS HO (08/21) Page 3 of 3

 Deductible Notification Form

Florida law requires us to notify you of your right to choose a deductible for the peril of windstorm
during a hurricane. The available hurricane deductibles are as follows:

• $500 Flat Deductible

• 2% Deductible of the Coverage A limit
• 5% Deductible of the Coverage A limit
• 10% Deductible of the Coverage A limit

All percentages refer to the percent of the Coverage A – Dwelling Coverage value shown on the
declarations page. For example: if you choose the 2% deductible and your Dwelling coverage is
$150,000, you will have a $3,000 deductible for any loss caused by windstorm during a hurricane.
Some hurricane deductibles may not be available due to the value of your dwelling. If you select a
lower hurricane deductible when a hurricane loss has already occurred under our policy or under
one in our company group during that calendar year, the lower deductible will not take effect until
January 1 of the following calendar year.

Florida Law also requires us to notify you of the availability of a $500 deductible applicable to
losses from perils other than hurricane.

If Sinkhole Loss Coverage is selected, a mandatory 10% (of the Coverage A limit) Sinkhole
Deductible applies.

Your policy declaration page reflects your current hurricane deductible and all other perils
deductible. If you wish to change either of your deductibles, please call your agent listed on the
declarations page. In the event that an affirmative selection is not made, we will continue to apply
the Hurricane Deductible listed on your Declarations Page.

RPI HO 09 DN 08 21
 EXISTING DAMAGE EXCLUSION ENDORSEMENT
(RPI HO 09 ED 12 08)

The following exclusion is added to Section I – Exclusions:

Existing Damage
(1) Damages which occurred prior to policy inception regardless of whether such damages were apparent at
the time of the inception of this policy or discovered at a later date; or
03304800000 W020633697 406414 LDEC D

(2) Claims or damages arising out of workmanship, repairs or lack of repairs arising from damage which
occurred prior to policy inception.
This exclusion does not apply in the event of a total loss caused by a Peril Insured Against.
All other policy provisions apply.

RPI HO 09 ED 12 08
 RPI HO 09 ELE (08/21)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

UNUSUAL OR EXCESSIVE LIABILITY EXPOSURE

SECTION II – LIABILITY COVERAGES

Coverage E – Personal Liability
This provision modifies and limits “your” coverage as follows:
Under Coverage E – Personal Liability, we will NOT pay for “bodily injury” or “property damage” caused by or
resulting from the use of the following:
a. trampoline;
b. skateboard ramp;
c. bicycle ramp;
d. swimming pool slide;
e. diving board;
f. unprotected swimming pool;
g. unprotected spa; or
h. tree house on the "insured premises"
owned by or kept by you or any “insured”, whether the injury occurs on the “insured premises” or any other
location.
An unprotected swimming pool is defined as a pool lacking a permanently installed fence at least four feet
high with a self-locking gate or door, wall or screened enclosure, or an above ground pool lacking stairs that
can be removed or locked in the up position, to properly secure the pool area from unintended entry. The
permanently installed fence, wall or screened enclosure must be in compliance with local ordinances.
An unprotected spa is defined as a spa lacking a locking cover, permanently installed fence at least four feet
high with a self-locking gate or door, wall, or screened enclosure to properly secure the spa area from
unintended entry. The permanently installed fence, wall or screened enclosure must be in compliance with
local ordinances.
All other terms of this policy apply.

RPI HO 09 ELE (08/21)

 HOMEOWNERS
RPI HO 09 FCE 08 23

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITED FUNGI, MOLD, WET OR DRY ROT, OR BACTERIA

COVERAGE ENDORSEMENT
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
03404800000 W020633697 406414 LDEC D

2. Section II – Coverage E Aggregate Sublimit of Liability for "Fungi", $ 50,000

Mold, Wet or Dry Rot, Or Bacteria

* Entries may be left blank if shown elsewhere in this policy for this coverage.

DEFINITIONS be provided only to the extent that there is

The following definition is added: a reason to believe that there is the
presence of "fungi", mold, wet or dry rot,
“Fungi” or bacteria.
a. "Fungi" means any type or form of fungus, b. The coverage described in a. only applies
including mold or mildew, and any when such loss or costs are a result of a Peril
mycotoxins, spores, scents, or by-products Insured Against that occurs during the policy
produced or released by fungi. period and only if all reasonable means were
b. Under Section II, this does not include any used to save and preserve the property from
fungi that are on, or are contained in, a good further damage at and after the time the Peril
or product intended for consumption. Insured Against occurred.
SECTION I – PROPERTY COVERAGES c. We will pay up to $1,000, per occurrence, for
ADDITIONAL COVERAGES the costs described in (4) above, and no more
unless we provide you approval within 48
The following Additional Coverage is added:
hours of your request to us to exceed the
1. "Fungi", Mold, Wet or Dry Rot, Or Bacteria $1,000 cap. In such circumstance, we will pay
a. We will pay up to the amount stated in the only up to the additional amount for the
Declarations for Limit of Liability for “Fungi” testing we authorize.
Coverage for: d. If we fail to respond to you within 48 hours of
(1) The total of all loss payable under Section your request to us, you may exceed the limit
I – Property Coverages caused by or in c. above only up to the cost incurred by
resulting directly or indirectly from "fungi", you for the cost of testing of air or property to
mold, wet or dry rot, or bacteria; confirm the absence, presence or level of
(2) The cost to remove "fungi", mold, wet or “fungi” mold, wet or dry rot, or bacteria
dry rot, or bacteria from property covered performed prior to, during or after removal,
under Section I – Property Coverages; repair, restoration or replacement.
(3) The cost to tear out and replace any part e. The Each Covered Loss amount shown in
of the building or other covered property the Schedule for this coverage is the most we
as needed to gain access to the "fungi", will pay for the total of all loss or costs
mold, wet or dry rot, or bacteria; and payable under this Additional Coverage
(4) The cost of testing of air or property to resulting from any one covered loss; and
confirm the absence, presence or level of The Policy Aggregate amount shown in the
"fungi", mold, wet or dry rot, or bacteria Schedule for this coverage is the most we will
whether performed prior to, during or after pay for the total of all loss or costs payable
removal, repair, restoration or under this Additional Coverage for all covered
replacement. The cost of such testing will losses, regardless of the number of locations
insured under this endorsement or number of
claims made.

Includes Copyrighted material of Insurance Services Office, Inc. with its permission
RPI HO 09 FCE 08 23 Page 1 of 2
 HOMEOWNERS
RPI HO 09 FCE 08 23
f. If there is covered loss or damage to covered However, our total liability under Coverage E for the
property, not caused, in whole or in part, by total of all damages arising directly or indirectly, in
"fungi", mold, wet or dry rot, or bacteria, loss whole or in part, out of the actual, alleged or
payment will not be limited by the terms of threatened inhalation of, ingestion
this Additional Coverage, except to the extent of, contact with, exposure to, existence of, or
that "fungi", mold, wet or dry rot, or bacteria presence of any "fungi:, mold, wet or dry rot, or
causes an increase in the loss. Any such in-
bacteria will not be more than the Section II–
crease in the loss will be subject to the terms
Coverage E Aggregate Sublimit of Liability for
of this Additional Coverage.
"Fungi", Mold, Wet Or Dry Rot, Or Bacteria. That
This coverage does not increase the limit Sublimit is the amount shown in the Schedule. This
of liability applying to the damaged is the most we will pay regardless of the:
covered property.
a. Number of locations insured under the policy
SECTION I – EXCLUSIONS to which this endorsement is attached;
The following Exclusion is added: b. Number of persons injured;
"Fungi", Mold, Wet Or Dry Rot, Or Bacteria c. Number of persons whose property is
"Fungi", mold, wet or dry rot, or bacteria meaning damaged;
the presence, growth, proliferation, spread or any d. Number of "insureds"; or
activity of "fungi", mold, wet or dry rot, or bacteria. e. Number of "occurrences" or claims made.
This Exclusion does not apply: This sublimit is within, but does not increase, the
a. When "fungi", mold, wet or dry rot, or Coverage E limit of liability. It applies separately
bacteria results from fire or lightning; or to each consecutive annual period and to any
remaining period of less than 12 months, starting
b. To the extent coverage is provided for in the
with the beginning of the policy period shown in
"Fungi", Mold, Wet or Dry Rot, Or Bacteria
the Declarations.
Additional Coverage under Section I –
Property Coverages with respect to loss With respect to damages arising out of "Fungi", Mold,
caused by a Peril Insured Against other than Wet or Dry Rot, or Bacteria described in 1. Limit Of
fire or lightning. Liability of this endorsement, Condition 2. Severability of
Direct loss by a Peril Insured Against resulting Insurance is deleted and replaced with the following:
from "fungi", mold, wet or dry rot, or bacteria is 2. Severability of Insurance
covered. This insurance applies separately to each
(This is exclusion i. in Form HO 00 03.) "insured" except with respect to the Aggregate
Sublimit of Liability described in this endorsement
SECTION II – LIABILITY
under Section II – Conditions 1. Limit Of Liability.
CONDITIONS This condition will not increase the limit of liability
Condition 1. Limit Of Liability is deleted and replaced for this coverage.
by the following: SECTIONS I and II CONDITIONS
1. Limit Of Liability Condition 1. Policy Period is deleted and replaced by
Our total liability under Coverage E for all damages the following:
resulting from any one "occurrence" will not be more 1. Policy Period
than the Coverage E limit of liability shown in the
This policy applies only to loss or costs in Section I
Declarations. All "bodily injury" and "property
damage" resulting from any one accident or from or "bodily injury" or "property damage" in
continuous or repeated exposure to substantially Section II, which occurs during the policy
the same general harmful conditions will be period.
considered to be the result of one "occurrence". All other policy provisions apply.

Includes Copyrighted material of Insurance Services Office, Inc. with its permission
RPI HO 09 FCE 08 23 Page 2 of 2
 HOMEOWNERS
RPI HO 09 HD 06 23

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HURRICANE DEDUCTIBLE ENDORSEMENT

For the premium charged, we will pay only that deductible shall be the highest amount stated in any
portion of the total of the loss for all Section I one of the policies.
coverages that exceeds the Hurricane Deductible If you had a “windstorm” loss under the prior policy
shown on the Declarations page for loss during a during the same calendar year and you lower your
“hurricane occurrence”. Such deductible applies hurricane deductible under a new or renewal policy,
03504800000 W020633697 406414 LDEC D

regardless of any other cause or event contributing the lower hurricane deductible will not apply until
concurrently or in any sequence to the loss. No other January 1 of the following calendar year.
deductible provision in the policy applies to loss
If there was a “windstorm” loss for a prior “windstorm”
during a “hurricane occurrence”.
or “windstorms” during the calendar year, we may
Definitions apply a deductible to the subsequent “windstorm” that
“Hurricane occurrence” means a storm system that is the greater of:
has been declared to be a hurricane by the National a. The remaining amount of the hurricane
Hurricane Center of the National Weather Service. deductible; or
The duration of the hurricane includes the time period,
b. The amount of the deductible that applies to all
in Florida:
other perils.
a. Beginning at the time a hurricane warning is
In the event you should have any “windstorm” loss
issued for any part of Florida by the National
which is less than your hurricane deductible, you must
Hurricane Center of the National Weather
report the loss to us so that such losses may be
Service; and
applied to subsequent “windstorm” claims during the
b. Ending 72 hours following the termination of same calendar year.
the last hurricane watch or hurricane warning
Except as specifically modified in this endorsement,
issued for any part of Florida by the National
all provisions of the policy to which this endorsement
Hurricane Center of the National Weather
is attached also apply to the endorsement.
Service.
“Windstorm(s)” means wind, wind gusts, hail, rain,
tornadoes, or cyclones caused by or resulting from a
hurricane which results in direct physical loss or
damage to property. The National Hurricane Center
of the National Weather Service published data shall
be the source used to identify if such windstorm is
caused by or results from a hurricane.
Calendar Year Hurricane Deductible
The hurricane deductible shown in the Declarations
applies for direct physical loss or damage to covered
property caused by all “windstorms” as defined above.
A hurricane percentage deductible is determined by
applying the percentage of the Coverage A - Dwelling
limit of liability at the time of loss. In the event of a
single “hurricane occurrence”, we will pay only that
part of the total of all losses or damages payable
under Section I that exceeds the hurricane deductible
shown in the Declarations. The hurricane deductible
shown in the Declarations applies on a calendar year
basis.
If there are “windstorm” losses in a calendar year on
more than one policy issued by the same insurer or
an insurer in the same insurer group, the hurricane

RPI HO 09 HD 06 23 Page 1 of 1
 HOMEOWNERS
RPI HO 09 SP3 08 23

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

SPECIAL PROVISIONS – FLORIDA

DEFINITIONS 17. “Reopened claim” means a claim that we have

The following definitions are added: previously closed, but that has been reopened
9. “Actual Cash Value” means: upon an insured’s request for additional costs for
loss or damage previously disclosed to us.
The cost to repair or replace covered property, at
the time of loss or damage, whether that property 18. “Replacement Cost” means:
has sustained partial or total loss or damage, with The reasonable and customary cost, including
material of like kind and quality, subject to a labor and material costs, as determined by “us” to
deduction for deterioration, depreciation and repair or replace the damaged property, or any of
obsolescence as determined by “us”. its parts, with material of like kind and quality, not
10. “Aircraft” means any contrivance used or designed subject to a deduction for deterioration,
for flight, except model or hobby “aircraft” not used depreciation and obsolescence.
or designed to carry people or cargo. 19. “Solar panel” means a panel consisting of solar
11. “Drone” means any unmanned “aircraft” or ship cells (photovoltaic cells) used to generate
that can navigate autonomously without human electricity directly from sunlight.
control or beyond line of sight by way of GPS, 20. “Solar Roof” means photovoltaic shingles or tiles or
remote control, or onboard computer. other roof covering material that mimic the
12. “Fungi” means any type or form of fungus, appearance and function of conventional roofing
including mold or mildew, and any mycotoxins, materials while performing the task of converting
spores, scents, or by-products produced or sunlight into electricity and any of its components.
released by fungi. 21. “Solar water heating systems” includes and is not
13. “Hovercraft” means: limited to, “solar panels”, pipes supplying and
returning water to “solar panels”, equipment or
A self-propelled motorized ground effect vehicle
devices controlling “solar water heating systems”.
and includes, but is not limited to, flarecraft and air
cushion vehicles. 22. “Solar panels”, “solar roofs” and “solar water
heating systems” also include any of their
14. “Hurricane occurrence” means a storm system that
components such as, but not limited to, pipes
has been declared to be a hurricane by the
supplying and returning water to “solar panels”,
National Hurricane Center of the National Weather
“solar roofs” and/or “solar water heating systems”,
Service. The duration of the hurricane incldes the
inverters, batteries, mounting poles, mounting
time period, in Florida:
brackets, or interconnecting wiring associate with
a. Beginning at the time a hurricane warning is “solar panels”, “solar roofs” and/or “solar water
issued for any part of Florida by the National heating systems”, all whether attached to the
Hurricane Center of the National Weather dwelling or not.
Service; and
23. “Supplemental claim” means a claim for additional
b. Ending 72 hours following the termination of loss or damage from the same peril which we have
the last hurricane watch or hurricane warning previously adjusted or for which costs have been
issued for any part of Florida by the National incurred while completing repairs or replacement
Hurricane Center of the National Weather pursuant to an open claim for which timely notice
Service. was previously provided to us.
15. “Motor Vehicle” means: 24. “Tropical storm occurrence” means a storm system
a. A self-propelled land or amphibious vehicle; or that has been declared to be a tropical storm by the
b. Any trailer or semitrailer which is being carried National Hurricane Center of the National Weather
on, towed by or hitched for towing by a vehicle Service. The duration of the tropical storm includes
described in a. above. the time period, in Florida:
16. “Personal Watercraft” means watercraft designed a. Beginning at the time a tropical storm warning
to carry one to three people, propelled by a water is issued for any part of Florida by the National
jet pump powered by an internal combustion Hurricane Center of the National Weather
engine, and capable of speeds greater than 25 Service; and
MPH. “Personal watercraft” includes but is not
limited to watercraft often referred to as jet skis,
wave runners and similar watercraft.

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 HOMEOWNERS
RPI HO 09 SP3 08 23
b. Ending 72 hours following the termination of whichever is greater. However, this limitation does not
the last tropical storm watch or tropical storm apply to personal property:
warning issued for any part of Florida by the 1. Moved from the "residence premises" because it is
National Hurricane Center of the National being repaired, renovated or rebuilt and not fit to
Weather Service. live in or store property in; or
25. “Unoccupied” means the dwelling is not being 2. Usually located in an "insured's" residence, other
inhabited as a residence. than the "residence premises".
26. “Vacant” means the dwelling lacks the necessary Special Limits of Liability.
amenities, adequate furnishings, or utilities and Items 10. and 11. are deleted and replaced by the
services to permit occupancy of the dwelling as a following:
residence.
03604800000 W020633697 406414 LDEC D

10. $1,000 for loss to electronic apparatus, while in or

SECTION I - PROPERTY COVERAGES upon a “motor vehicle” or other motorized land
COVERAGE A - Dwelling conveyance, if the electronic apparatus is
Item 1. is deleted and replaced by the following: equipped to be operated by power from the
1. The dwelling on the “residence premises” used electrical system of the vehicle or conveyance
mainly as your private residence, including while retaining its capability of being operated by
attached structures and attached wall-to-wall other sources of power. Electronic apparatus
carpeting if damage to the dwelling is caused by a includes:
covered loss; a. Accessories and antennas; or
The following Item 3. is added: b. Tapes, wires, records, discs, or other media;
3. In-ground swimming pools including related for use with any electronic apparatus described
permanently installed equipment such as pumps in this Item 10.
and filters. 11. $1,000 for loss to electronic apparatus, while not in
COVERAGE B - Other Structures is deleted and or upon a “motor vehicle” or other motorized land
replaced by the following: conveyance, if the electronic apparatus:
COVERAGE B - Other Structures a. Is equipped to be operated by power from the
electrical system of the vehicle or conveyance
We cover other structures on the “residence premises”
while retaining its capability of being operated
set apart from the dwelling by a clear space. This
by other sources of power;
includes structures connected to the dwelling by only a
fence, utility line, or similar connection. b. Is away from the “residence premises”; and
This coverage does not apply to land, including land on c. Is used at any time or in any manner for any
which the other structures are located. “business” purpose.
We do not cover other structures: Electronic apparatus includes:
1. Used in whole or in part for “business”; or a. Accessories and antennas; or
2. Rented or held for rental to any person not a tenant b. Tapes, wires, records, discs, or other media;
of the dwelling, unless used solely as a private for use with any electronic apparatus described
garage. in this Item 11.
The limit of liability for this coverage will not be more The following items are added:
than the limit shown on the declaration page for 12. $1,000 for loss to art glass windows and other
Coverage B. Use of this coverage does not reduce the works of art such as, but not limited to; statuary
Coverage A limit of liability. (including but not limited to Hummels), marbles,
COVERAGE A - Dwelling and COVERAGE B - bronzes, porcelains, rare glass and bric-a-brac.
Other Structures 13. $2,500 for personal computers and related
We do not cover “solar panels”, “solar roofs” and/or peripherals such as disk drives, printers and
“solar water heating systems” or any of their commercial software. We will not pay for other
components, whether attached to the dwelling or not. software or lost data.
This includes, but is not limited to, the cost to remove, 14. $1,000 for bicycles and related equipment.
reset, repair and/or replace “solar panels”, “solar roofs” 15. $2,000 for loss to any individual item or set of
and/or “solar water heating systems”, regardless of electronic equipment covered under this policy
whether or not said work is necessary to affect repairs caused directly or indirectly by theft or vandalism
to covered property to which they are attached. with a maximum limit of 10% of the total Coverage
COVERAGE C - Personal Property C for all electronic equipment covered. The
The following is added: electronic equipment includes, but is not limited to:
Our limit of liability for personal property owned or used a. Television Sets;
by an "insured" and located in a self-storage facility is b. Cameras and Projectors;
10% of the limit of liability for Coverage C, or $1,000, c. Radios, sound playing and recording devices;

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 HOMEOWNERS
RPI HO 09 SP3 08 23
d. Video cassettes, records, videotape players, COVERAGE D - Loss Of Use is deleted and replaced
compact disc players, DVD players, compact by the following:
discs, video discs and tapes; We will pay 80% of the additional expenses you incur
e. Electronic data processing equipment and for loss during a “hurricane occurrence”, and 100% of
storage media; the additional expenses you incur for other losses, but
f. Electronic games, cartridges and accessories; no more than the limit of liability shown for Coverage D
g. Microwave ovens (unless built-in); and in the Declarations for the following:
h. Radio transmitting and receiving devices. 1. Additional living expenses incurred by you so that
16. $5,000 for loss to tools. your household can maintain its normal standard of
living when a loss covered under this Section
17. 5% of the total Coverage C amount for any one makes that part of the “residence premises” where
item of unscheduled personal property. you reside not fit to live in.
Property Not Covered. Payment will be for the shortest time required to
Item 3.b. is deleted and replaced by the following: repair or replace the damage or, if you permanently
b. Electronic apparatus that is designed to be relocate, the shortest time required for your
operated solely by use of the power from the household to settle elsewhere.
electrical system of “motor vehicles” or all other 2. If a civil authority prohibits you from use of the
motorized land conveyances. Electronic “residence premises” as a result of direct damage
apparatus includes: to neighboring premises by a Peril Insured Against
(1) Accessories or antennas; or in this policy, we cover the Additional Living
(2) Tapes, wires, records, discs or other Expenses as provided under 1. above for no more
media; than 2 weeks.
for use with any electronic apparatus described The periods of time for expenses described above are
in this Item 3.b. not limited by the expiration of this policy. We do not
The exclusion of property described in 3.a. and 3.b. cover loss or expense due to cancellation of a lease or
above applies only while the property is in or upon agreement.
the vehicle or conveyance. ADDITIONAL COVERAGES
We do cover vehicles or conveyances not subject 2. Reasonable Repairs is deleted and replaced by
to motor vehicle registration which are: the following:
a. Used to service an “insured’s” residence; or 2. Reasonable Emergency Measures.
b. Designed for assisting the handicapped; a. We will pay up to the greater of $3,000 or 1%
Item 4. is deleted and replaced by the following: of your Coverage A limit of liability for the
reasonable costs incurred by you for
4. “Aircraft” and parts. We do cover model or hobby
necessary measures taken solely to protect
“aircraft”, except “drones”, not used or designed to
covered property, excluding protecting and/or
carry people or cargo;
covering the roof from further damage, when
Item 5. is deleted and replaced by the following: the damage or loss is caused by a Peril Insured
5. Property of roomers, boarders, tenants, and Against.
anyone who regularly resides at the insured b. As it pertains to protecting and/or covering the
premises who is not an “insured”; roof:
The following are added to Property Not Covered: (1) We will reimburse you for the reasonable
10. Your satellite dish, satellite antenna or radio towers cost to install a tarp in an emergency
and their antenna. This exclusion also applies to all circumstance, however we will not pay to
related receiving equipment including receiver install shrink wrap or related roof coverings
mounts, transducers or other receiver parts or on the roof, except as described below in
installation parts. Television Sets are not an (2);
excluded item under this exclusion; (2) We will reimburse you up to 2% of your
11. Water or steam. Coverage A limit of liability to install a
However, we cover the removal and replacement shrink wrap or related roof coverings on
of water in a swimming pool located on the the roof, subject to insurer approval. This
“residence premises”, when there is covered loss limitation includes any and all costs
or damage to the swimming pool caused by a Peril associated with shrink wrapping, including
Insured Against and a covered repair to the but not limited to, initial installation,
swimming pool requires the removal of all or a removal, resetting and re-application.
portion of the water; or A shrink wrap roof consists of plastic
12. “Drone”. membrane that shrinks tightly to the
COVERAGE D - Loss Of Use contours of the roof using heat.

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 HOMEOWNERS
RPI HO 09 SP3 08 23
This 2% temporary emergency roof (1) A building or any part of a building that is
covering sublimit is separate and apart in danger of falling down or caving in;
from, and not combined with, the $3,000 or (2) A building or any part of a building that is
1% limit in a. above; standing even if it has separated from
(3) We will reimburse you for the reasonable another part of the building;
cost to remove or reset the tarp to allow for (3) A building or any part of a building that is
our inspection of the roof; and standing, even if it shows evidence of
(4) In the event the tarp is blown off or spalling, crumbling, settling, cracking,
damaged by weather, we will reimburse shifting, bulging, racking, sagging, bowing,
you for the cost to remove and reset the bending, leaning, shrinkage or expansion; or
tarp. (4) The plumbing system, or any part of the
plumbing system, whether above or below
03704800000 W020633697 406414 LDEC D

c. We will not pay more than the amount in 2.a.

above, unless we provide you approval within the ground, when the plumbing system or
48 hours of your request to us to exceed the any part of the plumbing system is:
limit in 2.a. above. In such circumstance, we (a) Collapsed;
will pay only up to the additional amount for the (b) In danger of collapsing or caving in; or
measures we authorize. (c) Separated from another part of the
If we fail to respond to you within 48 hours of system;
your request to us and the damage or loss is due to:
caused by a Peril Insured Against, you may
(a) Age, obsolescence, wear, tear;
exceed the amount in 2.a. above only up to the
cost incurred by you for the reasonable (b) Fading, oxidization, weathering;
emergency measures necessary to protect the (c) Deterioration, decay, marring,
covered property from further damage. delamination, crumbling, settling,
d. If however, the Hurricane Deductible cracking;
Endorsement is part of your policy and a (d) Shifting, bulging, racking, sagging,
covered loss occurs during a “hurricane bowing, bending, leaning;
occurrence”, the amount we pay under this (e) Shrinkage, expansion, contraction,
additional coverage is not limited to the amount bellying, corrosion; or
in 2.a. above. (f) Any other age or maintenance related
e. A reasonable measure under this additional issue.
coverage may include a permanent repair However, this additional coverage will apply
when necessary to protect the covered to that part of a building’s plumbing system
property from further damage or to prevent damaged by an abrupt collapse of a covered
unwanted entry to the property. To the degree building, or abrupt collapse of any part of a
reasonably possible, the damaged property covered building.
must be retained for us to inspect. c. We insure for direct physical loss to covered
f. This coverage does not: property involving abrupt collapse of a building
(1) Increase the limit of liability that applies to or any part of a building if such collapse was
the covered property; caused by one or more of the following:
(2) Relieve you of your duties, in case of a loss (1) The SECTION I - PERILS INSURED
to covered property, as set forth in AGAINST in COVERAGE C -
SECTION I - CONDITIONS 2. Duties PERSONAL PROPERTY;
After Loss; or (2) Decay, of a building or any part of a
(3) Pay for property not covered, or for repairs building, that is hidden from view, unless
resulting from a peril not covered, or for the presence of such decay is known to an
loss excluded in this policy.. “insured” prior to collapse.
8. Collapse is deleted and replaced by the following: However, 8.c.(2) above does not provide
8. Collapse. coverage for a plumbing system or any
part of a plumbing system resulting from
a. The coverage provided under this additional
decay as described in 8.b.(4) above;
coverage applies only to an abrupt collapse.
(3) Insect or vermin damage, to a building or
Abrupt collapse means an abrupt falling down
any part of a building, that is hidden from
or caving in of a building or any part of a
view, unless the presence of such damage
building with the result that the building or part
is known to an “insured” prior to collapse;
of the building cannot be occupied for its
intended purpose. (4) Weight of contents, equipment, animals or
people;
b. This additional coverage does not apply to:
(5) Weight of rain which collects on a roof; or

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 HOMEOWNERS
RPI HO 09 SP3 08 23
(6) Use of defective material or methods in This coverage does not increase the limit of liability
construction, remodeling or renovation if that applies to the damaged property.
the collapse occurs during the course of Item 10.k. is deleted and replaced by the following:
the construction, remodeling or renovation. k. Accidental Discharge or Overflow of Water or
d. Loss to a: Steam from within a plumbing, heating, air
(1) Fence, awning, patio, deck, pavement; conditioning or automatic fire protective sprinkler
(2) Swimming pool, underground pipe, flue, system or from within a household appliance.
drain, cesspool; This peril does not include loss:
(3) Foundation, retaining wall, bulkhead, pier, (1) To the system or appliance from which the
wharf, dock; or water or steam escaped;
(4) Cistern, plumbing system, or any part of a (2) Caused by or resulting from freezing except
plumbing system, or similar structure; as provided in the peril of freezing below;
whether above or below the ground, is not (3) On the “residence premises” caused by
included under items 8.c.(2) through (6) above; accidental discharge or overflow which
unless the loss is a direct result of the collapse occurs off the “residence premises”;
of a building or any part of the building. (4) Caused by constant or repeated seepage or
e. This coverage does not increase the limit of leakage of water or steam, or the presence
liability applying to the damaged covered or condensation of humidity, moisture or
property. vapor; which occurs over a period of 14 or
For purposes of 8. Collapse, a plumbing system more days, unless the resulting damage:
includes a septic system. (a) Is unknown to all “insureds”; and
9. Glass or Safety Glazing Material is deleted and (b) Is hidden within the walls or ceilings or
replaced by the following: beneath the floors or above the ceilings
9. Glass or Safety Glazing Material. of a structure.
a. We cover: For the purpose of this provision:
(1) The breakage of glass or safety glazing (a) Damage is not unknown if it would have
material which is part of a covered been discovered by a reasonable
building, storm door or storm window; inspection by any “insured”; and
(2) The breakage, caused directly by Earth (b) Damage is not hidden:
Movement and Settlement, of glass or (i) If visible on the surface of walls,
safety glazing material which is part of a ceilings, or floors, or located within
covered building, storm door or storm cabinets or similar structures; or
window; and (ii) If the damage would be visible on
(3) The direct physical loss to covered the surface of the walls, ceilings, or
property caused solely by the pieces, floors or located within cabinets or
fragments or splinters of broken glass or similar structures but for contents
safety glazing material which is part of a blocking visibility.
building, storm door or storm window. In the event this exclusion applies, we will not
b. This coverage does not include loss: pay for any damages sustained starting from
(1) To covered property which results the 1st day and instance the constant or
because the glass or safety glazing repeated seepage or leakage of water or
material has been broken, except as steam, or the presence or condensation of
provided in 9.a.(3) above; or humidity, moisture or vapor began; or
(2) On the “residence premises” if the dwelling (5) Otherwise excluded or limited elsewhere in
has been “vacant” or “unoccupied” for the policy.
more than 30 consecutive days In this peril, a plumbing system or household
immediately before the loss, except when appliance does not include:
the breakage results directly from Earth (1) A sump, sump pump, irrigation system or
Movement and Settlement as provided for related equipment; or
in 9.a.(2) above. A dwelling being (2) A roof drain, gutter, down spout, or similar
constructed is not considered “vacant” or fixtures or equipment.
“unoccupied”. The following paragraph is added to the end of the Item
Loss to glass covered under this SECTION I - 10. under SECTION I - ADDITIONAL COVERAGES:
ADDITIONAL COVERAGES 9. will be settled Under this SECTION I - ADDITIONAL
on the basis of replacement with safety glazing COVERAGES, 10. Landlord’s Furnishings, a
materials when required by ordinance or law. plumbing system includes a septic system.
SECTION I - PERILS INSURED AGAINST
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COVERAGE A - DWELLING and COVERAGE B - or portion of the system or appliance that caused
OTHER STRUCTURES, 2.e.(7) is deleted and the covered loss, whether the system or
replaced by the following: appliance, or any part or portion of the system or
1. Involving collapse, including any of the following appliance, is repairable or not.
conditions of property or any part of the property, (2) In no event will we pay for the repair or the
whether above or below the ground: replacement of the system or appliance that
a. An abrupt falling down or caving in; caused the covered loss.
b. Loss of structural integrity, including We do not cover loss to the system or appliance from
separation of parts of the property or property which this water escaped.
in danger of falling down or caving in; or For purposes of this provision, a plumbing system or
03804800000 W020633697 406414 LDEC D

c. Any spalling, crumbling, settling, cracking, household appliance does not include:
shifting, bulging, racking, sagging, bowing, (1) A sump, sump pump, irrigation system, or related
bending, leaning, shrinkage or expansion, or equipment; or
any other age or maintenance related issues, (2) A roof drain, gutter, down spout, or similar
as such condition relates to a. or b. above; fixtures or equipment.
except as provided in 8. Collapse under SECTION Items 2.f., 2.g. and 2.h. are added under COVERAGE
I - ADDITIONAL COVERAGES; A - DWELLING and COVERAGE B - OTHER
Under COVERAGE A - DWELLING AND STRUCTURES:
COVERAGE B - OTHER STRUCTURES, 2.d. is f. Dropped objects to the interior of a building,
deleted and replaced by the following: unless the roof or an outside wall of the building
d. Vandalism and malicious mischief, if the dwelling is first damaged by a dropped object. Damage to
has been “vacant” for more than 30 consecutive the dropped object itself is not covered.
days immediately before the loss. A dwelling g. Accidental discharge or overflow of water or
being constructed is not considered “vacant”; steam; unless loss to property covered under
Under COVERAGE A - DWELLING and COVERAGE Coverage A or B results from an accidental
B - OTHER STRUCTURES, 2.e.(3) is deleted and discharge or overflow of water or steam from
replaced by the following: within a plumbing, heating, air conditioning or
(3) Smog, rust or other corrosion, “fungi”, mold, wet automatic fire protective sprinkler system or
or dry rot; household appliance on the "residence
Under COVERAGE A - DWELLING and COVERAGE premises".
B - OTHER STRUCTURES, 2.e.(7) is deleted and Loss to property covered under Coverage A or B
replaced by the following: that results from an accidental discharge or
(7) Birds, vermin, rodents, marsupials, animals, overflow of water or steam from within a
reptiles, fish, insects, or pests, including but not plumbing, heating, air conditioning or automatic
limited to, termites, snails, squirrels, raccoons, fire protective sprinkler system or household
opossums, armadillos, flies, bed bugs, lice, appliance on the "residence premises" includes
ticks, locusts, cockroaches, ants, bats, bees, the cost to tear out and repair only that part or
wasps and fleas; or portion of a building or other structure covered
under Coverage A or B, on the "residence
The last paragraph of item 2.e. under COVERAGE A -
premises", necessary to access the system or
DWELLING and COVERAGE B - OTHER appliance.
STRUCTURES is deleted and replaced by the
(1) The cost that we will pay for the tear out and
following:
repair of the part or portion of the building or
If any of these cause an accidental discharge or other structure covered under Coverage A
overflow of water or steam not otherwise excluded or and B as specified above is limited to only
limited elsewhere in the policy, from a plumbing, that part or portion of the covered building or
heating, air conditioning or automatic fire protective other structure which is necessary to provide
sprinkler system or household appliance, we cover access to the part or portion of the system or
loss caused by the water, including the cost to tear appliance that caused the covered loss,
out and repair only that part or portion of a building or whether the system or appliance, or any part
other structure covered under Coverage A or B, on or portion of the system or appliance, is
the "residence premises", necessary to access the repairable or not.
system or appliance.
(2) In no event will we pay for the repair or the
(1) The cost that we will pay for the tear out and replacement of the system or appliance that
repair of the part or portion of the building or other caused the covered loss.
structure covered under Coverage A and B as
We do not cover loss:
specified above is limited to only that part or
portion of the covered building or other structure (1) To the system or appliance from which this
which is necessary to provide access to the part water or steam escaped;
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(2) On the “residence premises” caused by (1) A sump, sump pump, irrigation system, or
accidental discharge or overflow which related equipment; or
occurs off the “residence premises”; (2) A roof drain, gutter, down spout, or similar
(3) Caused by constant or repeated seepage or fixtures or equipment.
leakage of water or steam or the presence or h. Rain, snow, sleet, sand or dust to the interior of
condensation of humidity, moisture or vapor; a building unless a covered peril first damages
which occurs over a period of 14 or more the building causing an opening in a roof or wall
days, unless the resulting damage: and the rain, snow, sleet, sand or dust enters
(a) Is unknown to all “insureds”; and through this opening. This exclusion applies
(b) Is hidden within the walls or ceilings or unless the damage is caused during a “hurricane
beneath the floors or above the ceilings occurrence” or “tropical storm occurrence”.
of a structure. The last paragraph under COVERAGE A -
For the purpose of this provision: DWELLING and COVERAGE B - OTHER
(a) Damage is not unknown if it would have STRUCTURES is deleted and replaced by the
been discovered by a reasonable following:
inspection by any “insured”; and SECTION I - Exclusion c. Water Damage items (1)
(b) Damage is not hidden: and (3) that apply to surface water and water below
(i) If visible on the surface of walls, the surface of the ground do not apply to loss by
ceilings, or floors, or located within water covered under 2.e. and 2.g. above.
cabinets or similar structures; or Under Items 1. and 2. above, any ensuing loss to
(ii) If the damage would be visible on property described in Coverages A and B not
the surface of the walls, ceilings, or excluded or otherwise precluded in this policy is
floors or located within cabinets or covered.
similar structures but for contents Item 12. Accidental Discharge or Overflow of Water
blocking visibility. or Steam under COVERAGE C - PERSONAL
In the event this exclusion applies, we will not PROPERTY is deleted and replaced by the following:
pay for any damages sustained starting from 12. Accidental Discharge or Overflow of Water or
the 1st day and instance the constant or Steam from within a plumbing, heating, air
repeated seepage or leakage of water or conditioning or automatic fire protective sprinkler
steam, or the presence or condensation of system or from within a household appliance.
humidity, moisture or vapor began; This peril does not include loss:
(4) To a plumbing system, whether above or a. To the system or appliance from which the
below the ground, caused by: water or steam escaped;
(a) Age, collapse, obsolescence, wear, tear; b. Caused by or resulting from freezing except as
(b) Fading, oxidization, weathering; provided in the peril of freezing below;
(c) Deterioration, decay, marring, c. On the “residence premises” caused by
delamination, crumbling, settling, accidental discharge or overflow which occurs
cracking; off the “residence premises”;
(d) Shifting, bulging, racking, sagging, d. Caused by constant or repeated seepage or
bowing, bending, leaning; leakage of water or steam, or the presence or
(e) Shrinkage, expansion, contraction, condensation of humidity, moisture or vapor;
bellying, corrosion; which occurs over a period of 14 or more days,
(f) The unavailability or discontinuation of a unless the resulting damage:
part or component of the system; or (1) Is unknown to all “insureds”; and
(g) Any other age or maintenance related (2) Is hidden within the walls or ceilings or
issue; beneath the floors or above the ceilings of
(5) To a plumbing system, whether above or a structure.
below the ground, caused by the impairment, For the purpose of this provision:
state or condition of the system, which (1) Damage is not unknown if it would have
prohibits repair or replacement including been discovered by a reasonable
access, necessary to connect the adjoining inspection by any “insured”; and
parts of appliances, pipes or system; or (2) Damage is not hidden:
(6) Otherwise excluded or limited elsewhere in (a) If visible on the surface of walls,
the policy. ceilings, or floors, or located within
For purposes of this provision, a plumbing cabinets or similar structures; or
system or household appliance does not include: (b) If the damage would be visible on the
surface of the walls, ceilings, or floors

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 HOMEOWNERS
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or located within cabinets or similar b. Earth Movement and Settlement, meaning
structures but for contents blocking (1) Earthquake, including land shock waves or
visibility. tremors before, during or after a volcanic
In the event this exclusion applies, we will not eruption;
pay for any damages sustained starting from (2) Landslide;
the 1st day and instance the constant or (3) Mine subsidence;
repeated seepage or leakage of water or
(4) Mudflow;
steam, or the presence or condensation of
humidity, moisture or vapor began; or (5) Earth sinking, rising or shifting;
e. Otherwise excluded or limited elsewhere in the (6) Clay shrinkage or other expansion or
policy. contraction of soils or organic materials;
(7) Decay of buried or organic materials,
03904800000 W020633697 406414 LDEC D

In this peril, a plumbing system or household

appliance does not include: construction debris, or fill;
a. A sump, sump pump, irrigation system or (8) Settling, cracking or expansion of
related equipment; or foundation; or
b. A roof drain, gutter, down spout, or similar (9) Soil movement resulting from blasting.
fixtures or equipment. Whether or not caused by natural or man-
SECTION I - Exclusion c. Water Damage, items (1) made activities; unless direct loss by:
and (3) that apply to surface water and water below the (1) Fire; or
surface of the ground do not apply to loss by water (2) Explosion;
covered under 12. above. ensues and then we will pay only for the
The following paragraph is added to the end of the ensuing loss.
SECTION I - PERILS INSURED AGAINST, This exclusion does not apply to loss by theft.
COVERAGE C - Personal Property: Water Damage, Exclusion 1.c. is deleted and replaced
Under SECTION I - PERILS INSURED AGAINST, a by the following exclusion:
plumbing system includes a septic system. c. Water damage, meaning;
SECTION I - EXCLUSIONS (1) Flood, surface water, waves, tidal water,
Ordinance or Law, Exclusion 1.a. is deleted and overflow of a body of water, or spray from
replaced by the following exclusion: any of these, whether or not caused or
a. Ordinance or Law, meaning any ordinance or driven by wind, hurricane, tropical storm or
law: tornado;
(1) Requiring or regulating the construction, (2) Water, water-borne material or sewage
demolition, remodeling, renovation or which backs up through sewers or drains
repair of property, including removal of any or which overflows or is discharged from a
resulting debris. This exclusion 1.a. does sump, sump pump or related equipment;
not apply to the amount of coverage that or
may be provided for under the Additional (3) Water, water-borne material or sewage
Coverages of Glass or Safety Glazing below the surface of the ground, including
Material for Ordinance or Law, or to the water which exerts pressure on or seeps
limits you purchased of Ordinance or Law or leaks through a building, sidewalk,
Coverage; driveway, foundation, swimming pool or
(2) The requirements of which result in a loss other structure;
in value to property; or whether or not caused by or resulting from
(3) Requiring any “insured” or others to test human or animal forces or any act of nature.
for, monitor, clean up, remove, contain, This Exclusion 1.c. applies to, but is not limited
treat, detoxify or neutralize, or in any way to, escapes, overflow or discharge, for any
respond to, or assess the effects of, reason of water or water-borne material from a
pollutants. dam, levee, seawall or any other boundary or
Pollutants means any solid, liquid, containment system.
gaseous or thermal irritant or contaminant, Direct loss by fire, explosion or theft resulting
including smoke, vapor, soot, fumes, from water damage is covered.
acids, alkalis, chemicals and waste. Waste Power Failure, Exclusion 1.d. is deleted and replaced
includes materials to be recycled, by the following exclusion:
reconditioned or reclaimed. d. Power Failure, meaning the failure of power or
This exclusion applies whether or not the other utility service if the failure takes place off
property has been physically damaged. the “residence premises.” But if the failure of
Earth Movement, Exclusion 1.b. is deleted and power or other utility service results in a loss,
replaced by the following exclusion:

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from a Peril Insured Against on the “residence clean up, remove, contain, treat, detoxify or
premises,” we will pay for the loss or damage neutralize, or in any way respond to, or assess
caused by that Peril Insured Against. the effects of pollutants from the presence,
Neglect, Exclusion 1.e. is deleted and replaced by the use, maintenance or failure of “solar panels”,
following exclusion: “solar roofs” and/or “solar water heating
e. Neglect, meaning neglect of any “insured” to systems” and any of their components,
use all reasonable means to save and whether attached to the dwelling or not,
preserve property at and after the time of a providing electricity to your “residence
loss. premises” or in addition to the above, have an
interconnection to your electric utility:
Intentional Loss, Exclusion 1.h. is deleted and
(1) Not owned by an “insured”;
replaced by the following exclusion:
(2) Owned or leased by an “insured”; or
h. Intentional Loss, means any loss arising out
of any act any “insured” commits or conspires (3) In the care, custody or control of any
to commit with the intent to cause a loss. “insured”.
In the event of such loss, no “insured” is o. Constant or repeated seepage or leakage of
entitled to coverage, even an “insured” who did water or steam, or the presence or
not commit or conspire to commit the act condensation of humidity, moisture or vapor;
causing the loss. which occurs over a period of 14 or more days,
unless the resulting damage:
The following exclusions are added:
(1) Is unknown to all “insureds”; and
j. Criminal Or Illegal Activity, meaning any and
all criminal or illegal acts performed by any (2) Is hidden within the walls or ceilings or
“insured” that result in damage to your beneath the floors or above the ceilings of
structure or personal property. a structure.
k. Loss Caused By “Sinkhole”. For the purpose of this provision:
“Sinkhole” means a landform created by (1) Damage is not unknown if it would have
subsidence of soil, sedim ent, or rock as been discovered by a reasonable
underlying strata are dissolved by ground inspection by any “insured”; and
water. A “sinkhole” forms by collapse into (2) Damage is not hidden:
subterranean voids created by dissolution of (a) If visible on the surface of walls,
limestone or dolostone or by subsidence as ceilings, or floors, or located within
these strata are dissolved. cabinets or similar structures; or
“Sinkhole activity” means settlement or (b) If the damage would be visible on the
systematic weakening of the earth supporting surface of the walls, ceilings, or floors
the covered building only if the settlement or or located within cabinets or similar
systematic weakening results from structures but for contents blocking
contemporaneous movement or raveling of visibility.
soils, sediments, or rock materials into In the event this Exclusion applies, we will not
subterranean voids created by the effect of pay for any damages sustained starting from
water on a limestone or similar rock formation. the 1st day and instance the constant or
This exclusion does not apply in the event of a repeated seepage or leakage of water or
direct physical loss from Catastrophic Ground steam, or the presence or condensation of
Cover Collapse. humidity, moisture or vapor began.
l. Loss during a “hurricane occurrence” to: p. Assignee(s) or Third Parties.
(1) Aluminum framed Screened enclosure(s) We will not be responsible for any payment to
including frames, screen material, any assignee(s) or third parties, for payments
footings, supports or anchors of the of losses that are not covered under this policy.
enclosure; and q. Accidental Discharge or Overflow of Water
(2) Aluminum framed Carport(s) permanently Or Steam from:
attached to the main dwelling. (1) Within a plumbing, heating, air
m. Diminished Value. conditioning or automatic fire protective
We do not cover any loss due to diminished sprinkler system;
value of any property covered under this policy. (2) Within a household appliance for heating
n. Solar Panels, Solar Roofs, and Solar Water water; or
Heating Systems. (3) Within a household appliance.
We will not be responsible for any loss to a This Exclusion p. applies only while the
covered building or other structure requiring dwelling is “vacant” for more than 30
any “insured” or others to test for, monitor,

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 HOMEOWNERS
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consecutive days or being constructed; unless (2) Keep an accurate record of repair
you have used reasonable care to: expenses;
(1) Shut off the water supply; and f. Cooperate with us in the investigation of a
(2) Drain the system and appliances of water. claim;
Systems and appliances do not include g. Prepare an inventory of damaged personal
outdoor swimming spas or outdoor irrigation property showing the:
wells. (1) Quantity;
SECTION I - CONDITIONS (2) Description;
Item 2. Your Duties After Loss is deleted and (3) “Actual cash value”; and
replaced by the following: (4) Amount of loss.
04004800000 W020633697 406414 LDEC D

2. Duties After Loss. Attach all bills, receipts and related documents
In case of a loss to covered property, we have no that justify the figures in the inventory;
duty to provide coverage under this policy if there h. As often as we reasonably require:
is a failure to comply with the following duties. (1) Show the damaged property to the extent
These duties must be performed either by you, an reasonably possible;
“insured” seeking coverage, or a representative of (2) For losses under Coverages A and B,
either: allow us to re-inspect the property to
a. Give prompt notice to us or your insurance confirm repairs invoiced by assignees or
agent; third parties were completed, or following
Except for Reasonable Emergency Measures a “supplemental claim” or “reopened
taken under SECTION I - ADDITIONAL claim”;
COVERAGES 2. Reasonable Emergency (3) Provide us with records and documents we
Measures, there is no coverage for repairs that request and permit us to make copies;
begin before the earlier of: (4) You, or any “insured” under this policy,
(1) 72 hours after we are notified of the loss; must:
(2) The time of loss inspection by us; or (a) Submit to recorded statements and
(3) The time of other approval by us; examinations under oath, while not in
b. (1) To the degree reasonably possible, retain the presence of any other “insured”;
the damaged property; and and
(2) Allow us to inspect, subject to 2.b.(1) (b) Sign the same;
above, all damaged property prior to its (5) If you are an association, corporation or
removal from the “residence premises”; other entity; any members, officers,
c. Notify the police in case of loss by theft or directors, partners or similar,
vandalism or malicious mischief, and provide representatives of the association,
the incident number and, if we request, a copy corporation or other entity must:
of the report; (a) Submit to recorded statements and
d. Notify the credit card or electronic fund transfer examinations under oath, while not in
card or access device company in case of loss the presence of any other “insured”;
under Credit Card or Fund Transfer Card and
coverage; (b) Sign the same; and
e. Protect the covered property from further (6) Your agents, your representatives,
damage. The following must be performed: including any public adjusters engaged on
(1) Take reasonable emergency measures your behalf, and anyone insured under this
that are necessary to protect the covered policy other than an “insured” in 2.h.(4) or
property from further damage, as provided 2.h.(5) above, must:
under SECTION I - ADDITIONAL (a) Submit to recorded statements and
COVERAGES, 2. Reasonable examinations under oath, while not in
Emergency Measures. the presence of any other “insured”;
A reasonable emergency measure under and
2.e.(1) above may include a permanent (b) Sign the same; and
repair when necessary to protect the i. Send to us, within 60 days after our request,
covered property from further damage or your signed, sworn proof of loss which sets
to prevent unwanted entry to the property. forth, to the best of your knowledge and belief:
To the degree reasonably possible, the (1) The time and cause of loss;
damaged property must be retained for us (2) The interests of the “insureds” and all
to inspect; and others in the property involved and all liens
on the property;
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(3) Other insurance which may cover the loss; you have not rescinded the settlement within 3
(4) Changes in title or occupancy of the business days after reaching settlement. You
property during the term of the policy; may not rescind the settlement after cashing or
(5) Specifications of damaged buildings and depositing the settlement check or draft we
detailed repair estimates; provided to you.
(6) The inventory of damaged personal We will pay the cost of conducting any
property described in 2.g. above; mediation conference except when you fail to
appear at a conference. That conference will
(7) Receipts for additional living expenses
then be rescheduled upon your payment of the
incurred and records that support the fair
mediator’s fee for that rescheduled
rental value loss; and
conference. However, if we fail to appear at a
(8) Evidence or affidavit that supports a claim mediation conference, we will pay your actual
under the Credit Card, Fund Transfer cash expenses you incur in attending the
Card, Forgery and Counterfeit Money conference and also pay the mediator’s fee for
coverage, stating the amount and cause of the rescheduled conference.
loss.
b. If you and we fail to agree on the amount of any
The duties above apply regardless of whether you, loss, we can demand that the amount of the
an "insured" seeking coverage, or a representative loss be set by appraisal. Our demand for
of either retains or is assisted by a party who appraisal must be in writing. If we demand
provides legal advice, insurance advice or expert appraisal:
claim advice, regarding an insurance claim under
(1) Each party must select a competent,
this policy.
disinterested appraiser and notify the other
3. Loss Settlement. party of the appraiser’s identity within 15
Item b.(4) is deleted and replaced by the following: days of your receipt of our written demand
(4) We will initially pay at least the “actual cash for appraisal. By that same deadline,
value” of the insured loss, less any Tower Hill and you must provide to each
applicable deductible. other a written, itemized list of all disputes
We will then pay any remaining reasonable as to the amount of loss, identifying
and customary amounts necessary to separately each item being disputed. The
perform such repairs as work is performed appraisal will apply only to those disputes
and expenses are incurred. on the amount of loss identified in writing
by the parties subject to paragraph (7)
If a total loss of the covered dwelling
below. If you dispute the amount set by
occurs, we will pay the “replacement cost”
Tower Hill for an item, but do not identify
coverage without reservation or holdback
that dispute in the required list, the amount
of any depreciation in value, pursuant to
of the loss for that item will be the amount
Florida Statutes, 627.702.
previously set by Tower Hill.
This does not prohibit us from exercising
(2) The appraisers will then attempt to set the
our right to repair damaged property in
amount of the loss of each item in dispute
compliance with this policy and pursuant to
as specified by each party. If the
Florida Statutes, 627.702(7).
appraisers agree on all items, they will
Item 6. Appraisal is deleted and replaced by the jointly submit to each party a written report
following: of agreement signed by them. In all
6. Mediation Or Appraisal. instances the written report of agreement
If you and we fail to agree on a settlement, scope must be itemized and state separately the
of repair, or method of repair regarding the loss, “actual cash value”, “replacement cost”,
prior to filing suit, you must notify us of your and if applicable, the market value of each
disagreement in writing. item submitted by the parties as set forth in
a. If there is a dispute with respect to a claim paragraph (1). A written report of
under this policy, you or we may demand a agreement that meets these requirements
mediation of the loss in accordance with the will constitute the appraisal. The appraisal
rules established by the Florida Department of will set the amount of the loss for each
Financial Services. The loss amount must be properly submitted item in dispute and will
$500 or more, prior to application of the be binding upon you and us.
deductible; or there must be a difference of A written report of agreement that does not
$500 or more between the loss settlement itemize and resolve all disputes submitted
amount we offer and the loss settlement by the parties pursuant to paragraph (1)
amount that you request. The settlement in the does not constitute an appraisal and is not
course of the mediation is binding only if both binding upon you and us. In such a case,
parties agree, in writing, on a settlement and, the matter must be returned to the
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 HOMEOWNERS
RPI HO 09 SP3 08 23
appraisers for completion. returned to the appraisers and umpire for
In the event the appraisers submit a written completion.
report that includes items not submitted (4) To qualify as an appraiser or umpire for a
pursuant to paragraph (1), such additional loss to property described in COVERAGE
items have no effect and will be A - DWELLING, a person must be one of
disregarded. If the written report otherwise the following and be licensed or certified as
meets the requirement of an appraisal, it required by the applicable jurisdiction:
will be binding upon you and us as to the (a) An engineer or architect with
items properly submitted in writing by you experience and training in building
and us. If the written report does not construction, repair, estimating, or
otherwise meet the requirements of an
04104800000 W020633697 406414 LDEC D

investigation of the type of “property

appraisal, the matter must be returned to damage” in dispute;
the appraisers for completion. (b) An adjuster or public adjuster with
(3) If the two appraisers fail to agree on the experience and training in estimating
submitted disputes within 20 days, unless the type of “property damage” in
the period of time is extended by mutual dispute; or
agreement, they will select a competent, (c) A contractor with experience and
disinterested umpire and will submit their training in the construction, repair, and
differences to the umpire. If the appraisers estimating of the type of “property
are unable to agree upon an umpire within damage” in dispute.
5 days, you or we may make a written
(5) A person may not serve as an appraiser or
application for a judge of a court of record
umpire if that person, any employee of that
in the same state and county (or city if the
person, that person’s employer, or any
city is not within a county) where the
employee of their employer has:
“residence premises” is located to select
an umpire. (a) A familial relationship within the third
degree between the umpire or
If the umpire reaches an agreement with
appraiser and a party or a
one of the appraisers on all items, they will
representative of a party;
jointly submit to each party a written report
of agreement signed by them. In all (b) Previously represented a party in a
instances the written report of agreement professional capacity in the same
must be itemized and state separately the claim or matter involving the same
“actual cash value”, “replacement cost”, property;
and if applicable, the market value of each (c) Represented another person in a
item in dispute and address all disputes professional capacity on the same or a
submitted by the parties pursuant to substantially related matter that
paragraph (1). A written report of includes the claim, the same property
agreement that meets these requirements or an adjacent property, and the other
will constitute the appraisal. The appraisal person’s interests are materially
will set the amount of the loss for each adverse to the interests of a party; or
properly submitted item in dispute and will (d) A financial interest in the outcome of
be binding upon you and us. the claim at issue in the appraisal.
A written report of agreement that does not (6) Each party will be responsible for the
itemize and resolve all disputes submitted compensation of their selected appraiser.
by the parties pursuant to paragraph (1) Reasonable expenses of the appraisal and
does not constitute an appraisal and is not the reasonable compensation of the
binding upon you and us. In such a case, umpire will be paid equally by you and us.
the matter must be returned to the (7) Appraisal is available only to determine the
appraisers and the umpire for completion. amount of the loss of each item in dispute.
In the event an appraiser and umpire Appraisal of the amount of loss will not
submit a written report that includes items include determinations of causation unless
not submitted pursuant to paragraph (1), Tower Hill includes the causation issue in
such additional items have no effect and its itemized list of disputes under
will be disregarded. If the written report paragraph (1). A written report of
otherwise meets the requirement of an agreement that does not determine
appraisal, it will be binding upon you and causation when required by Tower Hill
us as to the items properly submitted in does not constitute an appraisal and is not
writing by you and us. If the written report binding upon you and us. In such a case,
does not otherwise meet the requirements the matter must be returned to the
of an appraisal, the matter must be appraisers for completion. If Tower Hill
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 HOMEOWNERS
RPI HO 09 SP3 08 23
does not identify causation in its list of CONDITIONS, 3. Loss Settlement:
disputes, the appraisers and the umpire (1) We may, at our option, repair or replace
will have no authority to decide questions the damaged property or any part or item
of causation and any such findings in the of the damaged property with material or
appraisal have no effect and will be property of like kind and quality without a
disregarded. The appraisers and the deduction for depreciation; or
umpire have no authority to decide: (2) If an identical replacement is not available,
(a) Any other questions of fact; we may, at our option, substitute
(b) Questions of law; replacement of equal or greater features,
(c) Questions of coverage; functions or capacities of the damaged
(d) Other contractual issues; or property.
(e) To conduct appraisal on a class-wide c. We will provide written notice to you no later
basis. than 30 days after our inspection of the loss.
(8) Appraisal is a non-judicial proceeding and d. You must comply with the duties described in
does not provide for or require arbitration. SECTION I - CONDITIONS, 2. Duties After
Neither party will be awarded attorney Loss Item h.
fees. The appraisal award may not be e. You must provide access to the property and
entered as a judgment in a court. exercise any municipal, county or other
(9) We may not demand appraisal after we governmental documentation or permits for
bring suit or action against you relating to repairs to be undertaken.
the amount of loss. f. You must execute all work authorization to
Item 8. Suit Against Us is deleted and replaced by the allow contractors and related parties entry to
following: the property.
8. Suit Against Us. g. You must otherwise cooperate with repairs to
the property.
If you and we fail to agree on a settlement, scope
of repair, or method of repair regarding the loss, h. You are responsible for payment of the
prior to filing suit, you must notify us of your deductible stated in your declaration page.
disagreement in writing. You must also provide the i. Our right to repair or replace, and our decision
Department of Financial Services with written to do so, is a material part of this contract and
notice of your intent to initiate litigation at least 10 under no circumstances relieves you or us of
business days before filing suit under the policy, our mutual duties and obligations under this
pursuant to Florida Statutes 627.70152. contract.
No legal action can be brought against us unless If we choose to exercise our option, you must
the Section I policy provisions have been complied cooperate with us and grant us, or our agents,
with and the action is started within 5 years from reasonable access to the property in order for
the date of loss, pursuant to Florida Statutes 95.11. repairs to be made.
Item 9. Our Option is deleted and replaced by the Item 10. Loss Payment is deleted and replaced by the
following: following:
9. Our Option. 10. Loss Payment. We will adjust all losses with you.
At our option, in lieu of issuing any loss payment, if We will pay you unless some other person is
we choose to exercise our option: named in the policy or is legally entitled to receive
payment. Loss will be payable upon the earliest of
a. For losses settled on an “actual cash value”
the following:
basis as described in your Loss Settlement
conditions: a. 20 days after we receive your proof of loss and
reach written agreement with you;
(1) We may, at our option, repair, rebuild or
replace the damaged property or any part b. 60 days after we receive your proof of loss and:
or item of the damaged property with (1) There is an entry of a final judgment; or
material or property of like kind and (2) There is a filing of an appraisal award or a
quality; or mediation settlement with us; or
(2) If an identical replacement is not available, c. Within 60 days of receiving notice of an initial
we may, at our option, substitute claim, “reopened claim” or “supplemental
replacement of equal or greater features, claim” for property insurance. We will pay or
functions or capacities of the damaged deny such claims, or portions thereof, unless
property. there are factors beyond our control that would
b. For losses covered under COVERAGE A - reasonably prevent payments.
Dwelling, insured for Replacement Cost Loss
Settlement as outlined in SECTION I -

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 HOMEOWNERS
RPI HO 09 SP3 08 23
Item 10.c. above does not form the basis for a relating to this insurance.
private cause of action against us. The following Conditions are added:
Item 12. Mortgage Clause is deleted and replaced by 17. Choice Of Law.
the following: This policy and any performance thereunder shall
12. Mortgage Clause. be construed with and governed by the laws of the
The word “mortgagee” includes a trustee that holds State of Florida.
a mortgage. 18. Notice of Claims.
a. If a mortgagee is named in this policy, any loss Any claim or “reopened claim” under an insurance
payable under Coverage A or B will be paid to policy that provides property insurance for loss or
the mortgagee and you, as interests appear. If damage caused by any peril is barred unless you
more than one mortgagee is named, the order give us or your agent notice of any claim or
04204800000 W020633697 406414 LDEC D

of payment will be the same as the order of “reopened claim” within 1 (one) year after the date
precedence of the mortgages. of loss. A “supplemental claim” is barred unless
b. If we deny your claim, that denial will not apply you give us or your agent notice within
to a valid claim of the mortgagee, if the 18(eighteen) months after the date of loss.
mortgagee: 19. Salvage.
(1) Notifies us of any change in ownership, We reserve the right to recover and acquire
occupancy or substantial change in risk of ownership of any property damaged due to a
which the mortgagee is aware; covered loss and which has been replaced under
(2) Pays any premium due under this policy on the terms and conditions of this policy.
demand if you have neglected to pay the If requested by you and if we permit you to keep
premium; and the damaged insured property after a loss, we will
(3) Submits a signed, sworn statement of loss reduce the amount of the loss proceeds payable to
within 60 days after receiving notice from you under the policy by the value of the salvage.
us of your failure to do so. Items b. and h. SECTION II - EXCLUSIONS
of 2. Duties After Loss, 6. Mediation Or Under 1. COVERAGE E - Personal Liability and
Appraisal, 8. Suit Against Us and 10. COVERAGE F - Medical Payments to Others, items
Loss Payment under SECTION I - a., f., g., h., k., and I. are deleted and replaced by the
CONDITIONS also applies to the following exclusions:
mortgagee. a. Which is expected or intended by one or more
c. If we decide to cancel or not to renew this “insureds”;
policy, the mortgagee will be notified at least f. Arising out of the:
10 days before the date cancellation or
nonrenewal takes effect. (1) Ownership of “motor vehicle(s)” by an
“insured”;
d. If we pay the mortgagee for any loss and deny
payment to you: (2) Maintenance, occupancy, operation, use,
loading or unloading of “motor vehicle(s)”
(1) We are subrogated to all the rights of the by any person;
mortgagee granted under the mortgage on
the property; or (3) Entrustment of “motor vehicle(s)” by an
“insured” to any person;
(2) At our option, we may pay to the
mortgagee the whole principal on the (4) Failure to supervise or negligent
mortgage plus any accrued interest. In this supervision of any person involving “motor
event, we will receive a full assignment vehicle(s)” by an “insured”; or
and transfer of the mortgage and all (5) Vicarious liability, whether or not imposed
securities held as collateral to the by law, for the actions of a child or minor
mortgage debt. involving “motor vehicle(s)”.
e. Subrogation will not impair the right of the This exclusion does not apply to:
mortgagee to recover the full amount of the (1) A trailer not towed by or carried on a
mortgagee's claim. motorized land conveyance;
f. We provide coverage to no mortgagee or its (2) A motorized land conveyance, not
representatives under this policy if, whether including a golf cart, designed for
before or after a loss, a mortgagee or its recreational use off public roads, not
representatives has: subject to motor vehicle registration and:
(1) Intentionally concealed or misrepresented (a) Not owned by an "insured"; or
any material fact or circumstance; (b) Owned by an "insured" provided the
(2) Engaged in fraudulent conduct; or “occurrence” takes place on an
(3) Made material false statements; “insured location” as defined in
Definitions 4.a., b., d., e. or h.;

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 HOMEOWNERS
RPI HO 09 SP3 08 23
(3) A motorized golf cart that is either owned (1) That are not “personal watercraft” or
or not owned by an “insured”, designed to sailing vessels and are powered by:
carry up to 4 persons, not built or modified (a) Inboard or inboard-outdrive engine or
after manufacture to exceed a speed of 25 motor power of 50 horsepower or less
miles per hour on level ground and, at the not owned by an “insured”;
time of an “occurrence”, is within the legal (b) Inboard or inboard-outdrive engine or
boundaries of: motor power of more than 50
(a) A golfing facility and is parked or horsepower not owned by or rented to
stored there, or being used by an an “insured”;
“insured” to: (c) One or more outboard engines or
(i) Play the game of golf or for other motors with 25 total horsepower or
recreational or leisure activity less; or
allowed by the facility; (d) One or more outboard engines or
(ii) Travel to or from an area where motors with more than 25 total
golf carts are parked or stored; horsepower if the outboard engine or
or motor is not owned by an “insured”;
(iii) Cross public roads at (2) That are sailing vessels, with or without
designated points to access auxiliary power;
other parts of the golfing facility; (a) Less than 26 feet in overall length; or
or
(b) 26 feet or more in overall length, not
(b) A private residential community, owned by or rented to an “insured”; or
including its public roads upon which
(3) That are stored;
a motorized golf cart can legally
travel, which is subject to the h. Arising out of:
authority of a property owners (1) The ownership, maintenance, use, loading
association and contains an or unloading of an “aircraft”;
“insured’s” residence; or (2) The entrustment by an “insured” of an
(4) A vehicle or conveyance not subject to “aircraft” to any person; or
motor vehicle registration which is: (3) Vicarious liability, whether or not statutorily
(a) Used to service an "insured's" imposed, for the actions of a child or minor
residence; using an “aircraft”;
(b) Designed for assisting the k. Arising out of the actual or threatened sexual
handicapped and, at the time of an molestation, sexual battery, sexual
“occurrence”, it is: harassment, corporal punishment, or physical
or mental abuse.
(i) Being used to assist a
handicapped person; or Abuse and molestation includes, but is not
limited to, any verbal or nonverbal
(ii) Parked on an “insured location”;
communication, behavior or conduct with
or
sexual connotations, infliction of physical,
(c) In dead storage on an "insured emotional or psychological injury or harm
location"; whether for gratification, discrimination,
g. Arising out of: intimidation, coercion or other purposes,
(1) The ownership, maintenance, use, loading regardless of whether such action or resulting
or unloading of an excluded watercraft injury is alleged to be intentionally or
described below; negligently caused, or as a result of violating
(2) The entrustment by an "insured" of an any criminal statute regulating sexual activity;
excluded watercraft described below to l. Arising out of the use, sale, manufacture,
any person; or delivery, transfer or possession by any person
(3) Vicarious liability, whether or not statutorily of a Controlled Substance(s) as defined under
imposed, for the actions of a child or minor federal law. Controlled substances include but
using an excluded watercraft described are not limited to cocaine, LSD, marijuana, and
below. all narcotic drugs. However, this exclusion
Excluded watercraft are those that are does not apply to the legitimate use of
principally designed to be propelled by engine prescription drugs by a person following the
power or electric motor including “personal orders of a licensed healthcare professional;
watercraft”, or are sailing vessels, whether
owned or rented to an “insured”. This exclusion
does not apply to watercraft;

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 HOMEOWNERS
RPI HO 09 SP3 08 23
Under 1. COVERAGE E - Personal Liability and SECTION ll - CONDITIONS
COVERAGE F - Medical Payments To Others, the 3. Duties After Loss.
following exclusions are added: Item e. is deleted and replaced by the following and
m. Arising out of: Items f. and g. are added:
(1) The ownership of a “hovercraft” by an e. No “insured” shall, except at such “insured’s”
“insured”; own cost, voluntarily make payment, assume
(2) Maintenance, occupancy, operation, use, obligation or incur expense other than for first
loading or unloading of a “hovercraft” by aid to others at the time of the “bodily injury”;
any person; f. Cooperate with us in the investigation,
(3) The entrustment of a “hovercraft” by an settlement or defense of any claim or suit; and
“insured” to any person; g. As often as we reasonably require, the
04304800000 W020633697 406414 LDEC D

(4) Failure to supervise or negligent “insured” must submit to examination under

supervision of any person involving a oath and recorded statements, while not in the
“hovercraft” by an “insured”; or presence of another “insured”, and sign the
(5) Vicarious liability, whether or not statutorily same.
imposed, for the actions of a child or minor 4. Duties of an Injured Person Coverage F -
involving a “hovercraft”; or Medical Payment to Others, the following is
n. Arising out of: added:
(1) The ownership, maintenance, use, loading c. Submit to a recorded statement.
or unloading of a “drone”; The following Conditions are added:
(2) The entrustment by an “insured” of a 9. Choice Of Law.
“drone” to any person; or This policy and any performance thereunder shall
(3) Vicarious liability, whether or not statutorily be construed with and governed by the laws of the
imposed, for the actions of a child or minor State of Florida.
using a “drone”. 10. Policy Period.
Under 1. COVERAGE E - Personal Liability and This policy applies only to “bodily injury” or
COVERAGE F - Medical Payments To Others, the “property damage” which occurs during the policy
last paragraph is deleted and replaced by the following: period.
Exclusions e., f., g., h., m., and n. do not apply to SECTIONS I AND II - CONDITIONS
“bodily injury” to a “residence employee” arising out
Item 2. Concealment or Fraud is deleted and replaced
of and in the course of the “residence employee’s”
by the following:
employment by an “insured.”
2. Concealment or Fraud.
Under 2. Coverage E - Personal Liability, the
following exclusion is added: a. Under Section I - Property Coverages, with
g. “Bodily injury” or “property damage” caused by respect to all "insureds" covered under this
any animal owned by or kept by you or any policy, we may not provide coverage for loss
“insured”, any tenant of the household, any under Section I - Property Coverages if,
resident of the household or guest of any of the whether before or after a loss, one or more
preceding persons whether or not the injury or "insureds" have:
damage occurs on your premises or any other (1) Intentionally concealed or misrepresented
location. any material fact or circumstance;
SECTION ll - ADDITIONAL COVERAGES (2) Engaged in fraudulent conduct; or
Item 3.e.(3) is deleted and replaced by the following: (3) Made material false statements;
(3) The ownership, maintenance, occupancy, relating to this insurance.
operation, use, loading or unloading of “aircraft”, However, if this policy has been in effect for
“drone”, “hovercraft”, watercraft, “personal more than 90 days, we may not deny a claim
watercraft”, or “motor vehicles”. filed by you or an “insured” on the basis of
This Exclusion 3.e.(3) does not apply to a “motor credit information available in public records.
vehicle” that: b. Under Section II - Liability Coverages, we
a. Is designed for recreational use off public may not provide coverage to one or more
roads; "insureds" who, whether before or after a loss,
b. Is not owned by an "insured"; and have:
c. At the time of the "occurrence", is not (1) Intentionally concealed or misrepresented
required by law, or regulation issued by a any material fact or circumstance;
government agency, to have been registered (2) Engaged in fraudulent conduct; or
for it to be used on public roads or property. (3) Made material false statements;
relating to this insurance.

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 HOMEOWNERS
RPI HO 09 SP3 08 23
However, if this policy has been in effect for Except as provided in item 5.b. and 5.c.(1)
more than 90 days, we may not deny a claim above, we will let the first-named insured
filed by you or an “insured” on the basis of know of our action at least 20 days before
credit information available in public records. the date cancellation takes effect.
Item 4. Waiver or Change of Policy Provisions is (3) When this policy has been in effect for
deleted and replaced by the following: more than 60 days, we may cancel:
4. Waiver or Change of Policy Provisions. (a) If there has been a material
A waiver or change of a provision of this policy misstatement;
must be in writing by us to be valid. Our request for (b) If the risk has changed substantially
an appraisal, mediation or examination will not since the policy was issued;
waive any of our rights. (c) In the event of failure to comply, within
5. Cancellation - Items b., c., and d. are deleted and 60 days after the effective date of
replaced by the following: coverage, with underwriting
b. When this policy has been in effect for 60 days requirements established by us before
or less, we may cancel immediately if there has the effective date of coverage;
been a material misstatement or (d) If the cancellation is for all insureds
misrepresentation or failure to comply with under policies of this type for a given
underwriting requirements. class of insureds; or
c. We may also cancel this policy subject to the (e) On the basis of property insurance
following provisions. A written cancellation claims that are the result of an act of
notice, together with the specific reasons for God, if we can demonstrate by claims
the cancellation, will be delivered to the first- frequency or otherwise, that the
named insured, or mailed to the first-named “insured” has failed to take action
insured at the mailing address shown in the reasonably necessary as requested by
Declarations. us to prevent recurrence of damage to
Proof of mailing will be sufficient proof of notice. the insured property.
(1) When you have not paid the premium, we This can be done by letting you know at
may cancel at any time by letting the first- least 120 days prior to the effective date of
named insured know at least 10 days the cancellation.
before the date cancellation takes effect. (4) When this policy has been in effect for
(2) When this policy has been in effect for 60 more than 60 days, we may not cancel:
days or less, we may cancel for any (a) On the basis of the lawful use,
reason, except we may not cancel: possession or ownership of a firearm
(a) On the basis of property insurance or ammunition by an “insured” or
claims that are the result of an Act of members of the “insured’s” household;
God, unless we can demonstrate, by (b) On the basis of credit information
claims frequency or otherwise, that the available in public records; or
“insured” has failed to take action (c) Solely on the age of the roof of the
reasonably necessary as requested by dwelling if the roof is less than 15
us to prevent recurrence of damage to years old. If the roof is 15 years old or
the insured property; older, "you” may, at “your” expense,
(b) Solely on the basis of the age of the have a roof inspection performed by
structure; an authorized inspector. “We” will not
(c) On the basis of the lawful use, cancel your policy based solely on the
possession or ownership of a firearm age of the roof if this inspection
or ammunition by an “insured” or indicates that the roof has 5 years or
members of the “insured’s” household; more of useful life remaining.
or d. When this policy is cancelled, the premium for
(d) Solely on the age of the roof of the the period from the date of the cancellation to
dwelling if the roof is less than 15 the expiration date will be refunded pro rata.
years old. If the roof is 15 years old or If the return premium is not refunded with the notice
older, "you” may, at “your” expense, of cancellation or when this policy is returned to us,
have a roof inspection performed by we will refund it within 15 working days after the
an authorized inspector. “We” will not date cancellation takes effect.
cancel your policy based solely on the An insurer that cancels a property insurance policy
age of the roof if this inspection on property secured by a mortgage due to the
indicates that the roof has 5 years or failure of the lender to timely pay the premium
more of useful life remaining.
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 HOMEOWNERS
RPI HO 09 SP3 08 23
when due shall reinstate the policy as required by nonrenewal, at least 120 days prior to the effective
§ 501.137, Florida Statutes. date of the nonrenewal.
A single claim on a property insurance policy that Proof of mailing will be sufficient proof of notice.
is the result of water damage may not be used as A single claim on a property insurance policy that
the sole cause for cancellation or nonrenewal is the result of water damage may not be used as
unless we can demonstrate that the “insured” has the sole cause for nonrenewal unless we can
failed to take action reasonably requested by us to demonstrate that the “insured” has failed to take
prevent a future similar “occurrence” of damage to action reasonably requested by us to prevent a
the “insured” property. future similar “occurrence” of damage to the
Item 6. Nonrenewal is deleted and replaced by the “insured” property.
04404800000 W020633697 406414 LDEC D

following: Item 8. Subrogation is deleted and replaced by the

6. Nonrenewal. We may elect not to renew this following:
policy. However, we will not nonrenew this policy: 8. Subrogation.
a. On the basis of property insurance claims that All rights of recovery against any person or entity
are the result of an Act of God, unless we can for the “insured’s” damages are automatically
demonstrate by claims frequency or otherwise, transferred to us from the “insured” upon our
that the “insured” has failed to take action payment to the “insured” under any coverage of
reasonably necessary as requested by us to this policy to the extent of our payment without
prevent recurrence of damage to the insured need to obtain a written assignment or transfer of
property; rights from the “insured”.
b. On the basis of filing of claims for sinkhole The “insured” must do nothing after loss to impair
damage, regardless of whether this policy has our recovery rights. Upon our request, the “insured”
been the subject of a sinkhole claim, or on the must sign and deliver all papers and cooperate with
basis of the risk associated with the occurrence us in the prosecution of our subrogation claim.
of such a claim. However, we may nonrenew Subrogation does not apply under Section II to
the policy if: Medical Payments to Others or Damage to
(1) The total of such property claim payments Property of Others.
equals or exceeds the policy limits of The following conditions are added:
coverage for the policy in effect on the date
10. Notice.
of loss for “property damage” to the
covered building, as set forth on the A company employee adjuster, independent
declarations page; or adjuster, attorney, investigator, or other persons
(2) You have failed to repair the structure in acting on behalf of us that needs access to an
accordance with the recommendations of “insured” or claimant or to the insured property that
the professional engineer retained by us is the subject of a claim must provide at least 48
upon which any loss payment or policy hours’ notice to the “insured” or claimant, public
proceeds were based; adjuster, or legal representative before scheduling
a meeting with the claimant or an onsite inspection
c. Solely on the basis of the age of the structure; of the insured property.
d. On the basis of the lawful use, possession or The “insured” or claimant may deny access to the
ownership of a firearm or ammunition by an property if notice has not been provided. The
“insured” or members of the “insured’s” “insured” or claimant may waive the 48 hour notice.
household;
11. Renewal Notification. If we elect to renew this
e. On the basis of credit information available in
policy, we will let you know, in writing:
public records; or
a. Of our decision to renew this policy; and
f. Solely on the age of the roof of the dwelling if
the roof is less than 15 years old. If the roof is b. The amount of renewal premium payable to us.
15 years old or older, "you” may, at “your” This notice will be delivered to the first-named
expense, have a roof inspection performed by insured or mailed to the first-named insured at the
an authorized inspector. “We” will not mailing address shown in the Declarations at least
nonrenew your policy based solely on the age 45 days before the expiration date of this policy.
of the roof if this inspection indicates that the Proof of mailing will be sufficient proof of notice.
roof has 5 years or more of useful life 12. Our Right to Recover Payment.
remaining. a. If we make a payment under this policy and the
We may do so by delivering to the first-named person to or for whom payment was made has
insured or mailing to the first-named insured at the a right to recover damages from another, we
mailing address shown in the Declarations, written shall be subrogated to that right. That person
notice, together with the specific reasons for shall do:

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 HOMEOWNERS
RPI HO 09 SP3 08 23
1. Whatever is necessary to enable us to
exercise our rights; and
2. Nothing after loss to prejudice them.
b. If we make a payment under this policy and the
person to or for whom payment is made
recovers damages from another, that person
shall:
1. Hold in trust for us the proceeds of the
recovery; and
2. Reimburse us to the extent of our
payment.
13. Change in Occupancy or Usage of “Residence
Premises”.
If we have not been notified by you within 60 days
of any change of ownership, title, use or owner
occupancy of the “residence premises,” including:
a. The rental of the “residence premises”;
b. Vacancy or abandonment of the “residence
premises”; or
c. The use of the “residence premises” for any
purpose other than a residence;
any loss occurring from the 61st day after such
change to the date proper notice is given will be
excluded from coverage. If this occurs, premium
would be refunded for the period during which the
coverage is suspended.
If a change in title negates the insurable interest,
there will not be coverage from the date of the loss
of insurable interest.

All other provisions of this policy apply.

RPI HO 09 SP3 08 23 Includes copyrighted material of Insurance Services Office, Inc, Page 19 of 19
with its permission.
 HOMEOWNERS
RPI HO 09 WD 08 21

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WATER DAMAGE EXCLUSION ENDORSEMENT

For the premium charged, your policy is changed as In form RPI HO 09 SP3, under SECTION I –
follows: EXCLUSIONS, Item 1.q. Accidental Discharge or
In form HO 00 03 and RPI HO 09 SP3, under SECTION Overflow of Water or Steam, is deleted in its entirety.
I – ADDITIONAL COVERAGES, Item 10.k. Accidental
Discharge or Overflow of Water or Steam, is deleted SECTION I – EXCLUSIONS
in its entirety. In form HO 00 03 and RPI HO 09 SP3, Exclusion 1.c.
04504800000 W020633697 406414 LDEC D

In form HP-0015-00, HP-6000-00, RP-0057-00, RP- Water Damage is deleted and replaced by the
0060-00 and RP-0061-00, under SECTION I – PERILS following:
INSURED AGAINST (COVERAGE A and B), item 2.c. c. Water Damage, meaning:
Accidental Discharge or Overflow of Water or
(1) Flood, surface water, waves, tidal water,
Steam, is deleted in its entirety.
overflow of a body of water or spray from
In form HO 00 03 and RPI HO 09 SP3, under SECTION any of these, whether or not caused or
I – PERILS INSURED AGAINST (COVERAGE A – driven by wind, hurricane, tropical storm or
Dwelling and COVERAGE B – Other Structures), the tornado;
Exception to exclusion 2.e. that would otherwise (2) Water, water-borne material or sewage
provide coverage for accidental discharge of water which backs up through sewers or drains or
damage and the cost of tearing out to access systems which overflows or is discharged from a
or appliances is deleted in its entirety. sump, sump pump or related equipment;
In form HP-0015-00, HP-6000-00, RP-0057-00, RP- (3) Water, water-borne material or sewage
0060-00 and RP-0061-00, under SECTION I – PERILS below the surface of the ground including
INSURED AGAINST (Coverages A, B and C), the water which exerts pressure on or seeps or
Exception to exclusion 1.b.(4) that would otherwise leaks through a building, sidewalk,
provide coverage for accidental discharge of water driveway, foundation, swimming pool or
damage and the cost of tearing out to access systems other structure;
or appliances is deleted in its entirety. (4) Water, water-borne material, sewage or
In form HO 00 03 and RPI HO 09 SP3, under SECTION any other substance that overflows from a
I – PERILS INSURED AGAINST (COVERAGE A – sump pump, sump pump well or any other
Dwelling and COVERAGE B – Other Structures), system designed for the removal of
Item 2.g. Accidental Discharge or Overflow of Water subsurface water which is drained from a
or Steam, is deleted in its entirety. foundation area of a structure;
In form RPI HO 09 SP3, under SECTION I – PERILS (5) Constant or repeated seepage or leakage
INSURED AGAINST (COVERAGE A – Dwelling and of water or steam, or the presence or
COVERAGE B – Other Structures), Item 2.h. is condensation of humidity, moisture or
deleted in its entirety. vapor;
In form HP-0015-00, HP-6000-00, RP-0057-00, RP- (6) Accidental or intentional discharge,
0060-00 and RP-0061-00, under SECTION I – PERILS overflow of water, water-borne material,
INSURED AGAINST (Coverages A and B), item 2.c. sewage or steam from within a plumbing,
Accidental Discharge or Overflow of Water or heating, air conditioning or automatic fire
Steam, is deleted in its entirety. protective sprinkler system or from within a
household appliance; or
In form HO 00 03 and RPI HO 09 SP3, under SECTION
(7) Water penetration through the roof system
I – PERILS INSURED AGAINST (COVERAGE C –
or exterior walls or windows whether or not
Personal Property), Item 12. Accidental Discharge
driven by wind unless water penetration is a
or Overflow of Water or Steam, is deleted in its
direct result of damage caused by a Peril
entirety. Insured Against other than water and not
In form HP-0015-00, HP-6000-00, RP-0057-00, RP- otherwise excluded in this policy. This
0060-00 and RP-0061-00, under SECTION I – PERILS Exclusion applies unless the damage is
INSURED AGAINST (Coverage C), item 3.g. caused during a “hurricane occurrence” or
Accidental discharge or overflow of water or steam, “tropical storm occurrence”.
is deleted in its entirety. However, water damage resulting from rain that
In form RPI HO 09 SP3, under SECTION I – enters the insured dwelling through an opening
EXCLUSIONS, Item 1.o. Constant or Repeated that is a direct result of a “hurricane occurrence”
Seepage or Leakage, is deleted in its entirety. is covered as a loss during a “hurricane

RPI HO 09 WD 08 21 Page 1 of 2
 HOMEOWNERS
RPI HO 09 WD 08 21

occurrence” and is subject to the hurricane

deductible stated in your policy declarations.
Water damage occurring subsequent to and as
a direct result of damage caused by a Peril
Insured Against other than water will be
covered under that peril provided that peril is
not otherwise excluded in this policy. The
covered damage will be subject to the
applicable deductible stated in your policy
declarations.
This Exclusion 1.c. applies to, but is not limited
to, escape, overflow or discharge, for any
reason of water or water-borne material from a
dam, levee, seawall or any other boundary or
containment system.
Under items 1.c.(1) through (5), the exclusion
applies whether or not caused by or resulting
from human or animal forces or any act of
nature.

Direct loss by fire, explosion or theft resulting from

water damage is covered.

All other provisions of your policy apply.

RPI HO 09 WD 08 21 Page 2 of 2
 TOWER HILL INSURANCE EXCHANGE
OUTLINE OF YOUR HOMEOWNERS POLICY
The following outline of coverage is for informational covered or excluded from coverage as described
purposes only. Florida law prohibits this outline from elsewhere in the policy.
changing any of the provisions of the insurance
There are some perils not covered under Coverage A
contract which is the subject of this outline. Any
or B. Some examples are freezing, wear and tear,
endorsements regarding changes in types of coverage,
pollutants, corrosion, latent defect, and vandalism.
exclusions, limitations, reductions, deductibles,
Additionally, there are exclusions and other property
coinsurance, renewal provisions, cancellation
not covered. Please review your policy for a complete
provisions, surcharges or credits will be sent
list of items that have special limits or are excluded.
separately.
Coverage C – Personal Property
04604800000 W020633697 406414 LDEC D

Please read your Homeowners policy carefully for

complete descriptions and details. Your agent will This policy insures under Coverage C against sudden
assist you with any questions about this policy. and accidental direct physical losses except as limited
or excluded by your policy, caused by:
POLICY COVERAGES • Fire or lightning
Please refer to your policy Declarations for limits • Windstorm or hail
applicable to each policy coverage and the deductibles • Explosion
that apply to property losses. Below is a brief • Riot or civil commotion
description of each of the principal coverage features. • Aircraft
• Vehicles
________________________________________________
• Smoke
• Vandalism or malicious mischief
SECTION I – PROPERTY COVERAGE • Theft
COVERAGE A – Dwelling • Falling objects
• Weight of ice, snow or sleet
Covers the dwelling described on the policy
• Accidental discharge or overflow of water
Declarations. This coverage is limited to structures that
• Sudden & accidental tearing apart or bulging
are joined or attached to the primary residence without
• Freezing of plumbing or household appliances
any apparent separation. The limit of this coverage
• Sudden and accidental damage from artificially
should be equal to the cost that you would incur if
generated electricity
replacement of the home ever became necessary due
• Volcanic eruption
to loss.
• Catastrophic Ground Cover Collapse
COVERAGE B – Other Structures ________________________________________________
Covers other structures on the premises of your
insured dwelling which are unattached to the primary PROPERTY EXCLUSIONS
residence, such as a detached garage, swimming pool,
or fence. Certain limitations may apply. The base policy does not provide protection for losses
resulting in any manner from:
COVERAGE C – Personal Property
• Earth Movement
Covers your personal property such as clothes and • Off Premises Power Failure
furniture. Special limits apply to many classes of • Neglect
property such as jewelry. Other classes of personal • War or Nuclear Hazard
property such as motorized vehicles are excluded. You • Intentional Acts
should review the limits and exclusions, and contact • Inherent Vice, Decay, Defect and Mechanical
your agent if additional coverage is required. Breakdown
COVERAGE D – Loss Of Use • Animals you own or are in your care
• Motor Vehicles and Watercraft
Covers 80% of increased living expenses you incur
during a time when your home is not able to be lived in There are other exclusions that apply. Please refer to
due to a covered “hurricane loss”, and 100% of the your policy for complete details regarding exclusions.
additional expenses you incur for other covered ________________________________________________
losses, but no more than the limit of liability shown for
Coverage D in the Declarations. SECTION II – LIABILITY COVERAGES
________________________________________________ COVERAGE E – Personal Liability
Covers amounts you become legally liable to pay to
PERILS INSURED AGAINST others as a result of personal activities or the premises
Coverage A – Dwelling and Coverage B – insured by this policy. We will also pay for legal costs to
Other Structures defend you if suit is brought against you. Your policy
does not cover liability resulting from any dogs you own
This policy insures against risk of direct loss to covered
property under Coverages A and B, unless not

RPI HO3 09 OTL 08 21 Page 1 of 3

or are in your care. Further, your policy does not cover Damage Caused by Water and Tear Out
liability related to business activities. Limitation – For a premium credit, this limitation is
COVERAGE F – Medical Payments To Others optional on homes newer than 41 years.
Covers medical expenses of others injured at your Deductible Credits – The deductible is the amount
home or as a result of your personal activities. of the loss you will incur before this policy pays.
________________________________________________ Selecting a higher deductible may result in a lower
premium.
NONRENEWAL AND CANCELLATION
PROVISIONS Flat Tile Roof Credit – If your roof tiles are flat
masonry or flat clay tiles a premium credit may be
All cancellations are granted a pro-rata return of
available.
premium.
Your Right To Cancel – You may cancel the policy Hardiplank Siding Discount – Frame homes with
at any time, for any reason, by giving us advance Hardiplank Siding are eligible for a premium credit.
written notice of the future cancellation effective date.
Loss Free Credit – Policies insured with Tower Hill
Our Right To Cancel – If your policy has been in Insurance Group for 3 or more years may be eligible
effect for 90 days or less and the insurance is for a credit, if there has not been a non-catastrophe
cancelled for other than nonpayment of premium, we claim.
may cancel by giving you at least 20 days notice
before the cancellation effective date. When the policy Protective Devices – If your home has a qualified
has been in effect for 90 days or less and there has central station burglar alarm, central station fire alarm
been a material misstatement, misrepresentation, or or automatic fire sprinkler system, you are eligible for
failure to comply with underwriting requirements, we premium credits.
may cancel immediately.
If your policy has been in effect over 90 days, we may
Residential Windstorm Loss Mitigation
cancel your policy for only a limited number of reasons Devices Credit – Premium credit may be available
including but not limited to, material misstatement or for homes equipped with qualifying roof covering, roof
substantial change of risk. We can do this by providing deck attachment, roof to wall connection and opening
written notice at least 120 days prior to the effective protection.
date of cancellation. Secured Community Credit – A credit may be
If the cancellation is due to nonpayment of premium, available to homes with 24-hour manned gates and/or
we will give you at least 10 days advance written passkey gate protection.
notice.
Nonrenewal – If we do not intend to renew your Senior Credit – A credit is available for applicants
policy we will mail notice to you together with specific that have attained the age of 60 or older.
reasons for nonrenewal, at least 120 days before the Smart Home Water Protection Discount - A
expiration date of the policy. credit may be available to homes with water leak
Renewal – The renewal premium payment must be detection systems.
received no later than the renewal date or the policy
________________________________________________
will terminate.
___________________________________________
PREMIUM SURCHARGES
PREMIUM CREDITS Age of Dwelling Surcharge – A surcharge may
apply to your policy, depending on the age of your
The following are brief descriptions of the premium home.
credits available on your homeowner’s policy. Your
policy Declarations page will display which of these Building Code Effectiveness Grading
credits, if any, apply to your policy. (BCEGS) Surcharge – This surcharge is for
buildings that do not meet the building code criteria on
Accredited Builder Credit – A credit may be a community or individual basis.
available for homes 5 years and newer which were
built by a builder that is qualified by Tower Hill Deductible Options – Selecting a lower deductible
Insurance Group. may result in a higher premium.
Age of Dwelling Credit – A credit may apply to your No Prior Insurance/ Lapse Surcharges – Risks
policy, depending on the age of your home. with no prior insurance or a lapse of coverage that
exceeds 45 days.
Age of Roof Credit – A credit may apply for homes
15 years and older with newer roofs. Open Water Exposure Surcharges – Homes
Building Code Effectiveness Grading exposed to open water.
(BCEGS) – This credit is available on homes built in Other Surcharges – Other surcharges may be
an area graded 1 – 9. levied in accordance with state statute or Department
of Financial Services rules. These surcharges will be
disclosed on your Declarations page when they
become applicable.

RPI HO3 09 OTL 08 21 Page 2 of 3

 ________________________________________________ • Ordinance or Law Coverage
• Other Structures – Increased or Decreased Limits
OPTIONAL COVERAGES AVAILABLE • Permitted Incidental Occupancies – Residence
Premises
• Additional Residence Rented to Others • Personal Injury Coverage
• Animal Liability Coverage • Personal Property – Increased or Decreased Limits
• Business Property – Increased Limits • Personal Property Replacement Cost
• Credit Card, Fund Transfer Card, Forgery and • Refrigerated Property Coverage
Counterfeit Money Coverage • Residence Rental Theft
• Emerald Coverage • Scheduled Personal Property
• Emerald Deluxe • Service Line Coverage
• Emerald Premier • Sinkhole Loss Coverage
• Equipment Breakdown Coverage • Solar Panel(s), Solar Roof(s), and Solar Water
04704800000 W020633697 406414 LDEC D

• Flood Coverage Heating System(s) Coverage – Property Coverage

• Golf Cart Coverage Only
• Home Computer Coverage • Special Personal Property Coverage
• Identity Recovery Coverage • Structures Rented to Others – Residence Premises
• Increased Replacement Cost • Tower Hill CyberShield
• Limited Fungi, Wet or Dry Rot, or Bacteria – • Tower Hill CyberShield Plus
Increased Coverage • Watercraft
• Limited Screened Enclosure and Carport Coverage • Water Backup and Sump Overflow
• Loss Assessment Coverage – Increased Limits • Water Damage Exclusion
• Loss of Use – Increased Limit
• Option to Exclude Contents Coverage
• Option to Exclude Windstorm Coverage

RPI HO3 09 OTL 08 21 Page 3 of 3

 USE OF INSURANCE SCORE DISCLOSURE

The Fair Credit Reporting Act (FCRA) requires Tower Hill Insurance Exchange to disclose that a
consumer report may be used to determine your insurance policy premium at new business or for a
future renewal term. In the event a security freeze is applied to your consumer reports, we will be able
to access your report with no action on your part as per FCRA § 605A (i)(4)(H).
04804800000 W020633697 406414 LDEC D

Insurance Score is provided by LexisNexis®, a consumer-reporting agency. Tower Hill has

implemented Insurance Score as a rating factor in determining policy premiums.
LexisNexis only provides the information, they do not make any decisions about your insurance
policy, and cannot tell you how your insurance score may have impacted your premium.

If the Insurance Score adversely impacts your policy premium, the individual for whom the consumer
report is ordered will receive a Notice of Consumer Report Ordered and Information
Used in Premium Determination. For Tower Hill, adverse means an increase in any charge for any
insurance, existing or applied for, in connection with the underwriting of personal insurance.
Insurance Score may be collected on the applicant or on any other member(s) of the applicant’s or
insured’s household as part of the insurance scoring credit process.

Insurance Score is only one of several factors that determines your premium.

If you feel that the information in your consumer report is inaccurate, you have the right to dispute it
with LexisNexis. If a correction is made because of your dispute, please contact your insurance agent
so we may reconsider our decision.

To receive a free copy of your consumer report, please contact LexisNexis within 60 days of receiving
a Notice of Consumer Report Ordered and Information Used in Premium Determination.

LexisNexis Consumer Contact Center

PO Box 105108
Atlanta, GA 30348
Phone: 800-456-6004
Web: www.consumerdisclosure.com

INSURANCE SCORE: FREQUENTLY ASKED QUESTIONS

What is an Insurance Score?

An insurance score is a number calculated from information on your credit report. It is a credit-based
statistical analysis of a consumer’s likelihood of filing an insurance claim. Insurance Score enables us
to offer insurance coverage to more consumers at a fair cost.

Is an Insurance Score the same as a Credit Score?

No. A Credit Score is an indication of your ability to repay borrowed monies. Job history and income
may affect your ability to repay a loan. We do not consider job history or income, and we will not use
your insurance score to deny you insurance.
Will ordering Insurance Score affect my Credit Score?
No. The ordering of an Insurance Score has no impact on your credit score. LexisNexis does not
provide Tower Hill with a copy of your credit report.

If you have additional questions about Insurance Score, please contact your insurance agent.