JOHN POWELL

5600 TENNYSON PKWY STE 170

PLANO, TX 75024-3997

Home Insurance New Policy

Your Farmers Policy
Policy Number: 82802-99-44
LEENA MA Effective: 6/30/2025 12:01 AM
237 RIDGE HAVEN DR Expiration: 6/30/2026 12:01 AM
LEWISVILLE TX 75067-3837
Property Insured
237 Ridge Haven Dr
Lewisville , TX 75067-3837
6/24/2025
Your Farmers Agent
Dear Leena Ma,
John Powell
Thank you for purchasing your new home policy with Farmers Insurance®. We know you 5600 Tennyson Pkwy Ste 170
have choices, and appreciate the opportunity to help you meet your insurance needs. Plano, TX 75024-3997
(469) 850-0860
Enclosed are some important documents for your new policy. Please take some time and
jpowell4@farmersagent.com
carefully review this information, which includes:
• Declaration page – a summary of your insurance coverages, limits, and deductibles To file a claim log on to Farmers.com
• Your insurance policy form and endorsements or the Farmers® Mobile App or call
• Detailed reconstruction cost estimate of your home 1-800-435-7764

Please review the features of your home that were used to calculate the assessment in the
reconstruction cost estimate. If you find any incorrect or incomplete information, please Did you know?
contact your agent.
Manage Your Policy Online
A summary of your premium information is shown below.
Log on to farmers.com to pay your
bill, get insurance ID cards, view
Premium at-a-glance policy documents, and more! Plus,
access your account anytime using
Policy Premium $1,578.00 the Farmers Mobile App!
Fees $25.00
Go Paperless
Premium and Fees $1,603.00 Save stamps, time and trees….Go
Paperless! You can choose to
receive your Farmers policy
This is not a bill. documents and/or billing statement
Your bill with the amount due will be mailed separately to your mortgagee company. electronically. Enroll at farmers.com
and choose the paperless options!
We appreciate your business.
Go Mobile
Sincerely,
The Farmers ® Mobile App gives you
Farmers Insurance Group® 24/7 account access on the go. Text
GETAPP to 29141 to download it
today!

farmers.com

25-8164 1-14
Policy Notices

IMPORTANT NOTICE AVISO IMPORTANTE

Have a complaint or need help? Tiene una queja o necesita ayuda?

If you have a question or a problem with a claim or your Si tiene un problema con una reclamacion o con su prima de
premium, contact your insurance company first. If you can't seguro, llame primero a su compania de seguros.
work out the issue, the Texas Department of Insurance may be
able to help. Si no puede resolver el problema, es posible que el
Departamento de Seguros de Texas (Texas Department of
Even if you file a complaint with the Texas Department of Insurance, por su nombre en ingles) pueda ayudar. Aun si usted
Insurance, you should also file a complaint or appeal through presenta una queja ante el Departamento de Seguros de Texas,
your insurance company. If you don't, you may lose your right tambien debe presentar una queja a traves del proceso de
to appeal. quejas o de apelaciones de su compania de seguros. Si no lo
hace, podria perder su derecho para apelar.

Mid-Century Insurance Company of Texas Mid-Century Insurance Company of Texas

To get information or file a complaint with your insurance Para obtener informacion o para presentar una queja ante su
company: compania de seguros:

Call: Service Operations at 888-327-6335 Llame a: Service Operations al 888-327-6335

Toll-Free: 888-327-6335 Telefono gratuito: 888-327-6335
Email: customer.relations@farmersinsurance.com Correo electronico:
Mail: PO Box 2910 Shawnee Mission, KS 66201 customer.relations@farmersinsurance.com
Direccion postal: PO Box 2910 Shawnee Mission, KS 66201

The Texas Department of Insurance El Departamento de Seguros de Texas

To get help with an insurance question or file a complaint with Para obtener ayuda con una pregunta relacionada con los
the state: seguros o para presentar una queja ante el estado:

Call with a question: 1-800-252-3439 Llame con sus preguntas al: 1-800-252-3439
File a complaint: Presente una queja en:
www.tdi.texas.gov//consumer/get-help-with-an-insurance www.tdi.texas.gov//consumer/get-help-with-an-insurance
-complaint.html -complaint.html
Email: ConsumerProtection@tdi.texas.gov Correo electronico: ConsumerProtection@tdi.texas.gov
Mail: Consumer Protection MC 111-1A Direccion postal: Consumer Protection MC 111-1A
P.O. Box 12030 P.O. Box 12030
Austin, TX 78711-2030 Austin, TX 78711-2030

To compare policies and prices: Para comparar polizas y precios:

Visit HelpInsure.com to compare prices and coverages on Visite HelpInsure.com para comparar precios y coberturas en
home and auto insurance policies. The website is a service of polizas de seguro para el hogar y automovil. El sitio web es un
the Texas Department of Insurance and the Office of Public servicio del Departamento de Seguros de Texas y de la Oficina
Insurance Counsel. del Asesor P blicode Seguros (Office of Public Insurance
Counsel, por su nombre en ingles).

farmers.com Policy No. 82802-99-44

25-1760 8-24
Page 1 of 1
Your Coverage At A Glance

Insurance policies are contracts - long and full of details. Where do you even start? Farmers is here
to help, with these highlights of your coverage and limits.*
$518,000 $207,200 $25,900

Dwelling* Personal Property Separate Structures

Coverage A Coverage C Coverage B
For the cost to repair Personal belongings - For the cost to repair or rebuild
or rebuild your home furniture, electronics, fences or other structures
appliances, clothing, etc. on your property

Deductibles
Wind/Hail $15,540
Tropical Cyclone $15,540
All Other Perils $15,540

Declining Deductibles®
$0 Earned Credit

0 Years Claim Free

1 2 3 4 5

5 years to Claim Forgiveness

$500,000 $5,000 $103,600

Personal Liability Medical Payments Loss of Use

Coverage E Coverage F Coverage D
Liability for injury or damages No-fault medical payments Increased costs to
to others for guests injured on live elsewhere while
your property repairing your home

Congrats! You have the following Features and Discounts:

Features Discounts
P Claim Forgiveness P Home Buyer
P Declining Deductibles® P Preferred Payment Plan
P Theft Protection
P Good Payer
P Early Shopping
P See Declarations page for more

farmers.com Policy No. 82802-99-44

*IT IS YOUR RESPONSIBILITY TO SELECT YOUR COVERAGES & LIMITS. CONTACT YOUR FARMERS AGENT TO MAKE ANY DESIRED CHANGES.
THIS DOCUMENT IS A SUMMARY AND THE INFORMATION PROVIDED IN THIS DOCUMENT DOES NOT REPLACE OR CHANGE ANY POLICY
PROVISION. NOT ALL COVERAGES OR FEATURES ARE AVAILABLE WITH ALL PRODUCTS. YOUR COVERAGE IS SUBJECT TO THE TERMS,
CONDITIONS, SPECIAL LIMITS AND EXCLUSIONS OF YOUR POLICY AND APPLICABLE ENDORSEMENTS. PLEASE READ YOUR POLICY FOR
25-9715 6-22 DETAILS. IN THE EVENT OF A CONFLICT BETWEEN THE POLICY AND THIS SUMMARY, YOUR POLICY PROVISIONS SHALL PREVAIL.
Policy Notices

Additional Coverages for Your Homeowners Insurance Policy

Homeowners insurance starts with standard coverages, such as the cost to repair or replace your home after a covered loss, the cost to
repair or replace damaged or destroyed personal property, and personal liability coverage. But many common risks aren't covered by a
standard homeowners policy. Optional coverages let you address more risks. Here are some of our most popular options to balance
coverage and costs. Any you have already chosen will show a R below.

Valuable Items - Specified Marring Cyber and

Adds coverage for specific, listed items to Certain Metal Materials Identity Shield
of valuable personal property, such as Adds coverage for wind or Provides coverage for a wide range of
jewelry, cameras, artwork, furs, guns, hail marring to metal building materials identity theft or cyber events, including
silverware, or musical instruments. Each such as gutters, and downspouts. Ransomware Support Service, Identity
item must be described in detail with an Theft Restoration, Data Recovery and
agreed value. Coverage includes loss System Restoration, Wire Transfer Fraud,
from mysterious disappearance. and Internet Clean-up.

Guaranteed Zero-Deductible Limited Leakage

Replacement Cost Glass and Seepage
Guarantees that we will pay the Pay no deductible for damaged Covers water damage, up to a
full cost to rebuild damaged buildings, glass attached to your home or separate stated amount, that results from slow,
even if it exceeds the insured value structures. accidental leakage or seepage of water.
of the building.

Equipment Breakdown Home Sharing Water Backup and

Adds coverage for damage caused by Provides coverage for short-term rental of Sump Overflow - All Types of
breakdown or rupture of boilers, or all or part of the home. Covered Property
mechanical, electrical, electronic or fiber Coverage is available for water damage
optic equipment. from sewer/drain backups or sump
overflows, up to the stated limit.
Does not cover flood damage.

®
This statement provides a list of some of the types of optional insurance coverages that may be available to you. Contact your Farmers
Agent, or us, to discuss these and other additional coverages.

farmers.com Policy No. 82802-99-44

THIS DOCUMENT IS A SUMMARY AND THE INFORMATION PROVIDED IN THIS DOCUMENT DOES NOT REPLACE OR CHANGE ANY POLICY
PROVISION. NOT ALL COVERAGES OR FEATURES ARE AVAILABLE WITH ALL PRODUCTS. YOUR COVERAGE IS SUBJECT TO THE TERMS,
CONDITIONS, SPECIAL LIMITS AND EXCLUSIONS OF YOUR POLICY AND APPLICABLE ENDORSEMENTS. PLEASE READ YOUR POLICY FOR
25-9716 6-22 DETAILS. IN THE EVENT OF A CONFLICT BETWEEN THE POLICY AND THIS SUMMARY, YOUR POLICY PROVISIONS SHALL PREVAIL.
Farmers FlexSM Personal Home Declarations
Policy Number: 82802-99-44 Premiums/Fees
Effective: 6/30/2025 12:01 AM
Expiration: 6/30/2026 12:01 AM Policy Premium $1,578.00
Named Insured(s): Leena Ma Fees
237 Ridge Haven Dr Policy Fees (Non-Refundable) $25.00
Lewisville , TX 75067-3837
leenama143@gmail.com Premium and Fees * $1,603.00
Property Insured: 237 Ridge Haven Dr
Lewisville , TX 75067-3837
*Also see Information on Additional Fees below.
Underwritten By: Mid-Century Insurance Company of Texas
19111 Dallas Pkwy, Suite #300 This is not a bill.
Dallas, TX 75287 Your bill with the amount due will be mailed separately.

Description of Property
Year of Construction 1998 Age of Roof 27
Construction Type Stucco on Frame Occupancy Owner Occupied (Primary Resident)
Roof Type Composition - Architectural Number of Units 1
Shingle
Roof Surface Material Type Composition - Architectural
Shingle

Property Coverage
Coverage Limit Coverage Limit
Coverage A - Dwelling $518,000 Coverage C - Personal Property $207,200
Extended Replacement Cost Not Covered Personal Property Replacement Cost Covered
(In Addition to Coverage A Limit)
Coverage B - Separate Structures $25,900 Coverage D - Loss of Use $103,600
Additional Living Expense Term 24 Months

Liability Coverage
Coverage test Limit Coverage Limit
Coverage E - Personal Liability $500,000 Coverage F - Medical Payments To Others $5,000
Personal Injury Not Covered
HOA Loss Payment $1,500

Additional Coverage Options

Coverage Limit Coverage Limit
Cyber and Identity Shield Not Covered Business Property - On Premises / Off $500/$250
Premises
Building Ordinance or Law Not Covered Portable Electronic Equipment - Off Premises $1,000

farmers.com Policy No. 82802-99-44 Questions? Manage your account:

Call your agent John Powell at (469) Go to www.farmers.com to access
850-0860 or email your account any time!
jpowell4@farmersagent.com
56-6177 2nd Edition 1-22 6/24/2025
Page 1 of 4
Declarations (continued)

Coverage Limit Coverage Limit

Water Backup and Sump Overflow Not Covered Money $100
Roof Materials Loss Settlement Scheduled Roof Deeds, Securities, Valuable Papers $500
Payment
Limited Matching Coverage for Siding and Not Covered Theft of Silverware, Goldware $1,000
Roof Materials
Fence Replacement Cost Covered Fine Arts and Imported Rugs $5,000
Personal Property at 2nd Residence $10,360.00(5% of Collectable Cards and Comic Books $200/$1,000
Personal Property
Limit)
Theft of Jewelry Watches Furs $1,000 Watercraft and Windsurfers $1,000
Theft of Firearms $1,000 Trailers $1,000
Motor Vehicle Parts Not Covered

Deductible
Type of Loss Deductible
Liability Losses $0
Applicable to each covered loss except Wind or Hail/Tropical Cyclone(3% of Cov. A Limit) $15,540
Wind and Hail Deductible (3% of Cov. A Limit) $15,540
Tropical Cyclone (3% of Cov. A Limit) $15,540
Single Loss Deductible Covered
.

Percent Deductibles adjust with changes to Cov. A Limit

Your policy and endorsements include conditions that affect the deductible amount that applies based on the type of loss or property
damaged. The list below provides more information on the conditions that affect the amount of your deductible.
Policy or Endorsement Policy or Endorsement Description Deductible Condition
Number
56-8041 Farmers Flex Personal Home Policy How deductible applies: See page 33, Section I -Property Conditions, 8.
- Texas Deductible Clause. Deductible Clause 1- Wind or Hail. Deductible Clause
2- Tropical Cyclone. Deductible Clause 3 - All Other Covered Loss or
Damage. Deductible Clause 4 - Single Loss Deductible.

farmers.com Policy No. 82802-99-44 Questions? Manage your account:

Call your agent John Powell at (469) Go to www.farmers.com to access
850-0860 or email your account any time!
jpowell4@farmersagent.com
56-6177 2nd Edition 1-22
Page 2 of 4
Declarations (continued)

How We Settle a Covered Loss for Property Claims

All loss settlement options, including replacement cost options, are subject to the terms, conditions and limitations stated in the policy,
which includes its endorsements. Certain optional endorsements may contain their own loss settlement provisions not reflected here.
Property Losses Loss Settlement Terms
Dwelling & Separate Structures (Pays up to the limits for Coverage A or B)
Roof Materials Scheduled Payment
Wall-to-Wall Carpet Replacement Cost
Fence Replacement Cost
Rest of Dwelling Replacement Cost
Personal Property Contents (Pays up to the limit for Coverage C) Replacement Cost

Discounts Applied to Policy

Discount Type Discount Type
Home Buyer Early Shopping
Preferred Payment Plan Welcome
Theft Protection Claim Free
Good Payer Fire Protection

Other Policy Features and Benefits

• Claim Forgiveness - this benefit prevents your premium from increasing as a result of your next claim after your policy has been in
force for five years without a claim.

Mortgagee / Other Interest

1st Mortgagee Loan Number
Bank of America,N.A. 103277598
ISAOA/ATIMA
PO Box 7265
Springfield, OH 45501-7265
Policy and Endorsements
This section lists the policy form number and any applicable endorsements that make up your insurance contract. Any endorsements
that you have purchased to extend coverage on your policy are also listed in the coverages section of this declarations document:
56-8041 1st ed.

Other Information
• Please contact your Farmers ® agent for a free Farmers Friendly Review ® so that you can ensure that your family is properly protected.
Your agent can explain all of the policy discounts/credits, coverage options and our various other product offerings that may be
available to you.

farmers.com Policy No. 82802-99-44 Questions? Manage your account:

Call your agent John Powell at (469) Go to www.farmers.com to access
850-0860 or email your account any time!
jpowell4@farmersagent.com
56-6177 2nd Edition 1-22
Page 3 of 4