AIG Property Casualty Company v. William H Cosby et al

Filing 1

COMPLAINT Receipt No: 0973-15982178 - Fee: $400, filed by Plaintiff AIG Property Casulaty Company. (Attachments: #1 Exhibit A to Complaint, #2 Exhibit B to Complaint, #3 Exhibit C to Complaint) (Attorney James P Wagoner added to party AIG Property Casulaty Company(pty:pla))(Wagoner, James)

Exhibit A Page 000014

Exhibit A Page 000015

175 Water Street
New York, NY 10038
www.aigpcg.com

Dear Policyholder:
Thank you for insuring your home with AIG Private Client Group. We realize you have a
choice of carriers and we appreciate your business.
We strive to bring you the broadest coverage available. That's why we are excited to
inform you that we can now offer superior protection for your vehicles.
Our Automobile insurance can cover vehicles of all types — everyday automobiles, antique
and collector cars, motorcycles, motor homes, all-terrain vehicles, golf carts and more —
on one policy. A few of the coverage highlights include:
Agreed value. At the onset of your policy, we work with you to determine the
value of your vehicle(s). If a total loss occurs, you'll receive that agreed-upon
amount, regardless of market depreciation. 1
New vehicle replacement. If a new vehicle 2 is "totaled" within three years of its
purchase, you can opt to receive the agreed value; replace it with a vehicle of the
same year, make and model; or receive a new vehicle of the same make and like
model — including hybrids or alternate fuel editions.
Limited worldwide coverage. Most auto insurance policies restrict coverage to the
U.S. and its territories. With us, you're protected no matter where your travels take
you.
Transportation expense. There's no per-day limit for the cost to rent a vehicle while
yours is being repaired. You can rent a car of comparable value as well.
Personal property. If personal property is either damaged during an accident or
stolen from your vehicle, you can replace it with an item of like kind and quality
without having to pay a deductible.
Pet coverage. If the family dog or cat is injured during an accident, you can be
reimbursed for related expenses.
Comprehensive homeowners and auto insurance are just two of the many advantages
available to you. Please ask your insurance broker about our full portfolio of insurance
products, including personal excess liability, private collections, yacht and more.

1.

Depreciation is applied to regular use vehicles at renewal. However, depreciation is not applied to collector
vehicles at renewal.

2.

Not previously titled

Private Client Group is a division of the personal lines property and casualty insurance subsidiaries of American
International Group, Inc. (AIG). This letter is a summary only. It does not include all terms and conditions and
exclusions of the policies described. All references in this document to claim settlement information are based
on the loss being covered by the policy and are subject to change without prior notice. Please refer to the actual
policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions and is
subject to underwriting review and approval.

Exhibit A Page 000016

AIG Privote Client Group

AIG
AIG Propertv Casualtv
(Name of issuing company)

Renewal

Companv

Effective: 01

lO1

12014

Massachusetts Homeowners Declarations Page
your Declarations Page shows at a glance the coverage you have and your premium. Your Declarations Page is pa-rt of
your policy. Please rãad your policy-carefully, includiñg your Declarations Page and any attached Endorsements, for a
description of your coverage.

policy

Policy Period: 01/0112014 - 01/0112015

Number:

at your ma¡lìns address shown below

pCG OOO6O 04261

A|t2iO1 A lM, standard time

Name of lnsured and Maíling Address;

Agency Name, Address, Phone # & Code:
Momentous lnsurance Brokerage

William H. Cosby

5990 Sepulveda Blvd.

Camille Cosby
c/o Momentous lnsurance
5990 Sepulveda Blvd. #550
Van Nuys, CA 9141 1

Suite #550
Van Nuys, CA 9141
(81

8)

1

933-2700

0051 601

YOU WILL BE BILLED SEPARATELY FOR ANY PREMIUM DUE.
The kind of losses that are covered and any special limits or deductibles that apply, are explained in detail in your Policy
Summary of Coverage by Location:

COVERAGE

c OVERAGE LIMIT
$5,146,105
54,417,447
ç1,286,526

PAYMENT BASIS

Dwelling
Other Permanent Structures
Contents

Guaranteed Rebuilding Cost
Guaranteed Rebuilding Cost
Replacement Cost

Loss of Use

Unlimited

Liability
Medical Pavments

s
$

,000,000
10,000

1

Deductible applied to this location:
Standard (All Other Perils): $50,000
Location Premium

:

Forms and Endorsements Attached for Location: PCHO (9/06), PCG-MAN (01/05), 78052 (01/1 3),
pcHo-TRE-MA (09/04), pCHO-AD|N (B/OO), pCHO-EB-PLUS (3/08), PCHO-FLD (09/06), PCHO-FRDSG (9/06),
pcHo-HSTEX (9/06), pCHO-AEMA (09/06), pCHO-TEFMA (09/06), PCHO-LFSRNOT-MA lO7l1Ol, PCG-MAAUTO (11/08)

Location Extension Schedule Premium:
PCHO-DEC-MA (04/O5)

Total Premium:

Exhibit A Page 000017

AIG Privote Client Group

AIG
AIG Propertv Casualtv Companv
(Name

of issuing company)

Homeowners Location Extension Schedule Page
Summary of Goverage by Location for

Policy:

PCG

0006004261

f.ô\/trFIAGF

Þ^Vt\/ltrt\lT RAqlq

lìô\/FFIAG E lltvilT

Dwelling
Other Permanent Structures
Contents

Guaranteed Rebuilding Cost
Guaranteed Rebuilding Cost
Replacement Cost

$3,084,51
$61 6,903

6

ç771 ,129
Unlimited

Loss of Use

$ 1 ,000,000
$ 10.o00

Liability
Medical Pavments
Deductible applied to this location:
Standard (All Other Perils): $50,000
Location Premium

FormsandEndorsementsAttachedforLocation: PCHO(9/06),78052(01/13),PCHO-TRE-MA(09/04),PCHO-EB(9/06),
pcHo-FLD (09/06), pCHO-AEMA (09/06), pCHO-tEFMA (09/06), PCHO-LFSRNOT-MA (O711Ol, PCG-MAAUTO (11/08)

COVERAGE

Dwelling
Other Permanent Structures
Contents

ERAGE LIMIT

PAYMENT BASIS

Guaranteed Rebuilding Cost
Guaranteed Rebuilding Cost
Replacement Cost

ç2,267,487
$453,498
$ 566,872

Loss of Use

Unlimited

Liability
Medical Payments

$

$ 1 ,000,000

10,000

Deductible applied to this location:
Standard (Aìl Other Perils): $50,000
Location Premium:
(01/1 3), PCHO-TRE-MA (09/04), PCHO-EB (9/06)'
Forms and Endorsements Attached for Location: PCHO
pcHo-FLD (09/06), pCHO-AEMA (09/06), pCHO-tEFMA (09/06), PCHO-LFSRNOT-MA lO7l1Ol', PCG-MAAUTO (11/08)

(9/06),78052

Location Extension Schedule Premium

Exhibit A Page 000018

Subtotal:

AIG Privote Client Group

AIG
AIG Propertv Casualtv Companv
(Name

of issuing company)

Homeowners Location Extension Schedule Page
Summary of Coverage by Location for

Policy:

PCG

0006004261

COVERAGE

ô\/FRAGF IIMIT

PAYMENT BASIS

Dwelling
Other Permanent Structures
Contents

Guaranteed Rebuilding Cost
Guaranteed Rebuilding Cost
Replacement Cost

,096,368
ç219,27 4
$1

s27 4,O91
Unlimited

Loss of Use

,000,000
10,000

$1

Liability
Medical Pavments

$

Deductible applied to this location:
Standard (All Other Perils): $50,000
Location Premium

:

Forms and Endorsements Attached for Location: PCHO (9/06),78052 (01/13), PCHO-TRE-MA (09/04),
pcHo-EB-pLUS (3/08), pCHO-FLD (09/06), pCHO-AEMA (09/06), PCHO-IEFMA (09/06), PCHO-LFSRNOT-MA (O711Ol,
PCG-MAAUTO (1 1/08)

COVERAGE

Dwelling
Other Permanent Structures
Contents

COVE

PA YMENT BASIS

Guaranteed Rebuilding Cost
Guaranteed Rebuilding Cost
Replacement Cost

GF LIMIT

$ 1 98,061

39,605
$49,506

$

Loss of Use

Unlimited

Liability
Medical Pavments

$1

,000,000

$ 1 0,000

Deductible applied to this location:
Standard (All Other Perils): $50,000
Location Premium :
Forms and Endorsements Attached for Location: PCHO (9/06), 78052 (01/1 3), PcHO-TRE-MA (09/04),
pcHo-EB-PLUS (3/08), pCHO-FLD (09/06), PCHO-AEMA (09/06), PCHO-IEFMA (09/06), PCHO-LFSRNOT-MA (O7l1Or,
PCG-MAAUTO (1 1/OB)

LocationExtensionSchedulePremiumSu

Exhibit A Page 000019

AIG Privote Client Group

AIG
AIG Propertv Casualtv Companv
(Name ot issuing company)

Homeowners Location Extension Schedule Page
Summary of Coverage by Location for

Policy:

PCG

0006004261

COVERAGE

Dwelling
Other Permanent Structures
Contents

FRAGE LIMIT

PAYMENT BASIS

Guaranteed Rebuilding Cost
Guaranteed Rebuilding Cost
Replacement Cost

$789,489
$ 1 46,095
$ 1 97,373

Loss of Use

Unlimited

Liability
Medical Payments

s

1

,000,000

$'l 0,000

Deductible applied to this location:
Standard (All Other Perils): $50,000
Location Premium
Forms and Endorsements Attached for Location: PCHO (9/06), 78052 (01/13), PCHO-TRE-MA (09/04),
pcHo-EB-PLUS (3/OB), pCHO-FLD (09/06), pCHO-AEMA (09/06), PCHO-TEFMA (09/06), PCHO-LFSRNOT-MA (O7l1Ol,
PCG-MAAUTO (1 1/OB)

COVERAGE

PAYMENT BASIS

COVE RAGF IIMIT

Dwelling
Other Permanent Structures
Contents

Guaranteed Rebuilding Cost
Guaranteed Rebuilding Cost
Replacement Cost

$2,138,198
$54,1 41
$ 534,5 50
Unlimited

Loss of Use

$1

Liability
Medical Pavments

$

,000,000

10,000

Deductible applied to this location:
Standard (All Other Perils): S50,000
Location Premium :
PCHO-TRE-MA (09/04), PCHO-EB (9/06),
Forms and Endorsements Attached for Location: PCHO
pcHo-FLD (09/06), pCHO-AEMA (09/06), pCHO-tEFMA (09/06), PCHO-LFSRNOT-MA (O711Ol, PCG-MAAUTO (11/08)

(9/06),78052 (01/13),

GF

COVERAGE

COVE

Liability
Medical Payments

s

1

$

10,000

Location Extension Schedule Premium Subtotal:

Exhibit A Page 000020

IIMIT

,000,000

AIG Privote Client Group

AIG
AIG Prooertv Casualtv Comoanv
(Name of issuing company)

Homeowners Location Extension Schedule Page
Summary of Coverage by Location for

Policy:

PCG

0006004261

COVFRAGE I lf\l IT

COVERAGE

$1

Liability
Medical Payments

$

.000,000

10,000

COVERAGE IIMIT

COVERAGE

$1

Liability
Medical Payments

$

,000,000

10,000

COVERAGE

COVERAGE LI

Liability
Medical Payments

$'l ,000,000

CÔVFRAGE

COVERAGE I

Liability
Medical Payments

$1

IT

$

$

10,000

lN/l IT

,000,000

10,000

COVERAGE LIMIT

COVERAGE

$1

Liability
Medical Payments

$

,000,000

10,000

COVERAGE LIMIT

COVERAGE

$1

Liability
Medical Payments

,000,000

$ 1 0,000

Location Extension Schedule Premium Subtotal:

Exhibit A Page 000021

AIG Privote Client Group

AIG
AIG Propertv Casualtv Companv
(Name

of issuing company)

Homeowners Location Extension Schedule Page
Summary of Coverage by Location for

Policy:

PCG

0006004261

COVERAGE

COVERAGE LIMIT

Liability
Medical Payments

$1
$

,000,000
10,000

co

COVERAGE

F

LIMIT

,000,000
$ 10,000

Liability
Medical Payments

$1

COVFRAGF

COVER ÂGF I tf\/ilT

Liability
Medical Payments

$1

COVERAGE

COVERAG

Liability
Medical Payments

$1

,000,000

$ 1 0,000

IIMIT

,000,000

$ 1 0,000

F IIMIT

COVERAGE

,000,000

Liability

$1

Medical Payments

$

COVERAGE

COVERAGE

Liability

$1

10,000

LI MIT

,000,000
$ 1 0,000

Medical Payments

Location Extension Schedule Premium Subtotal

Exhibit A Page 000022

AIG Privote Clienl Group

AIG

NOTICE

To report a claim, please contact:
1

-888-760-91 95

PCc-e L NO (06/06)

Exhibit A Page 000023

AIG Privote Client Group

AIG
POLICYHOLDER NOTICE

Thank you for purchasing insurance from a member company of American
lnternational Group lnc. (AlG). The AIG member companies generally pay
compensation to brokers and independent agents, and may have paid
compensation in connection with your policy. You can review and obtain
information about the nature and range of compensation paid by AIG member
companies to brokers and independent agents in the United States by visiting our
website at www.aiq.com/producercompensation or by calling AIG at
1-800-706-3102.

You may also get information concerning compensation paid to your broker
agent by contacting them directly.

91222 PCG (04/13)

@

American lnternational Group. lnc' All ríghts reserved'

Exhibit A Page 000024

Page

1

or

AIG Privole Client Group

AIG
HOMEOWNERS COVERAGE

OUICK REFERENCE
Declarations Page
Your Name and Address
Transaction
Policy Period
Coverage Limits
Premium
Forms

Coverage is provided by the American lnternational Group, lnc,, member company named on the
Declarations Page. Each is a stock company.

Beqinninq on Paqe

Policy Provisions
PART I - Definitions

'l

PART ll - Property

2

A. lnsuring Agreement
B. Payment of a Loss
C. Additional Coverages
D. Exclusions
PART lll - Liability

9

A. lnsuring Agreement
B. Payment of a Loss
C. Defense Coverage and Claim Expense
D. Additional Coverages
E. Exclusions
PART lV - Conditions

11

The Contract together with the Declarations Page and Endorsements, if any, complete

PCHO (09/06)

Exhibit A Page 000025

the

policy

THIS POLICY IS NOT COMPLETED WITHOUT A DECLARATIONS PAGE
HOMEOWNERS COVERAGE . POLICY PROVISIONS

The insurance company named on your Declarations Page will provide the insurance described in this
policy. You agree to pay the premium and comply with your responsibilities described in this policy.
Various provisions in this policy restrict or exclude coverage. Read the entire policy carefully to determine
your rights and duties, and what is and is not cover ld. We have no duty to provide coverage unless there
has been full compliance with policy PART lV - CONDITIONS.
PART I

reside, or any location named on the Declarations
Page that is not a condominium or a cooperative.

. DEFINITIONS

Words with special meanings are defined here or

in

lncidental Business means a business activity that
does not produce gross revenues in excess of
$10,000 in any year, has no employees subject to
workers' compensation or other similar disability
laws, and conforms to federal, state and local
laws. lncidental business includes the business of
farming provided that it does not involve employment of others for more than 1,250 hours of farm
work during the Policy Period, and does not
produce more than $25,000 in gross annual
revenues from the raising or care of animals or

the part of the policy where they are used.
Throughout the policy, def ined terms will be
bolded when used.

ln this policy, the words "you", "your"

and

"yours" refer to the person or persons named on
the Declarations Page and his or her "spouse" who
lives in the same household. The words "we",
"us", "our" and "ours" mean the insurance

company named on the Declarations Page.
As used herein, a Declarations Page includes any
schedule that supplements it.
Also, in this policy the words:

agriculture. lncidental business includes residences
listed on the Declarations Page that you own and

rent to others.
lnsured person means:
a. You or a family member;
b. An Additional lnsured named in the policy;
c. Any person given permission by you or a family
member to use a vehicle or watercraft covered

Aircraft means any contrivance used or designed
for flight, except model or hobby craft not used or
designed to carry people or cargo.
Bodily lnjury means bodily harm, including resulting
sickness or disease, required care, loss of services
or death.

under this policy with respect to their legal
responsibility arising out of its use; or
d. A spouse. A spouse is a marriage partner. The
term spouse also includes an individual registered under state law as a domestic partner of
the insured person shown on the Declarations

Business means a part-time or f ull-time trade,
occupation or profession, including farming or
ranching, other than incidental business.
Contents means personal property owned by. or in
the possession of, you or a family member.
For any residence listed on the Declarations Page
that is a condominium or cooperative, or rental
unit, contents includes additions, alterations. items
of real property, installations or fixtures that you
paid for or acquired at your expense along with the
residence. The property must be your insurance
responsibility under the governing rules of the

Page.

Landscaping means your trees, lawn, shrubs, and
other plants, not including forestry or brush, on the
grounds of your residence.
Medical Expenses means reasonable charges for
medical, dental, hospital, surgical, X-ray, prosthetic
devices, professional nursing, ambulance, and fu-

Condominium or Cooperative Association.

Damages means the sum required to satisfy any
claim covered by this policy, whether settled and
agreed to in writing by us or resolved by judicial

neral services.
Occurrence means:

loss or an accident, to which this insurance
applies, including continuous or repeated exposure to substantially the same general harmful conditions, which occurs during the Policy
Period and results in personal injury or property

a. A

revtew,

Family Member means a person related to you by

blood, marriage or adoption that lives in

your

household including a ward or foster child.
Fungi means any type or form of fungus, including
but not limited to all forms of mold or mildew, and

damage; or

b. An offense, to which this

insurance applies,
including a series of related off enses, committed during the Policy Period that results in
personal injury or property damage.
Other Permanent Structures means outdoor structures you own that are situated on the grounds of

any mycotoxins, spores, scents, vapors, gas

or
substance, including any by-products, produced or

released by fungi.

House means the owned one, two, three or four
family dwelling at which you reside, intend to

PCHO (0e/06)

1

Exhibit A Page 000026

your residence.
Personal lnjury means

PART II - PROPERTY

the f ollowing injuries,

or

A. lnsuring Agreement

resulting death:
a. Bodily injury;

This policy covers you against all risks of direct

physical loss or damage to your

b. Wrongful detention, false imprisonment or false
a

c.
d.
e.
f.

rrest;

an exclusion applies,

Shock, emotional distress, mental injury;
lnvasion of privacy;
Defamation, libel or slander;
Malicious prosecution;
Wrongful entry or eviction; or

B. Payment of a Loss
1. Amount of Coverage for Your House

g.
h. Assault and battery when comm¡tted with

the

the Declarations Page:

a.

Reconstruction Cost means the lesser of the
amount at the time of the loss required to:
a, Restore or repair a structure; or
b. Replace or rebuild a structure at the same lo-

your house or other

registration or operator licensing;
at

your residence; or
A motorized land vehicle used solely on and to

b. Replacement Cost Coverage
We will pay RePlacement Cost when
shown on the Declarations Page of this
policy. Replacement Cost Coverage

service a location shown on the Declarations
Page.

Residence means any of the following which is
listed on the Declarations Page:

means that for a covered loss we will pay
the reconstruction cost of your house or
other permanent structures, up to the
coverage limit shown for that location on
your Declarations Page, for each occurrence. For a covered total loss we will
pay the reconstruction cost up to the
coverage limit shown for that location on
your Declarations Page, for each occurrence, whether or not you actually rebuild your house or other permanent
structures. The amount of coverage will
be increased daily to reflect the current

and

grounds that you own;

b. Any condominium unit, cooperative, or
ment that you own or reside in; or

c.

apart-

Any other type of home you rent to live in.

Residence Employee means:

a. Your employee whose duties are related to the
maintenance or use of the residence premises.

b.

Permanent

structures, for each occurrence, even if
this amount is greater than the amount of
coverage shown on the Declarations
Page. However, you must begin to repair
or rebuild your house or other permanent
structures within two years from the date
of loss at the same location, lf not, the
maximum payable is the coverage limit
shown for that location on the Declarations Page.

with materials of like kind and quality, Reconstruction cost does not include any amount required for the excavation, replacement or stabilization of land under or around a structure.
Recreational Motor Vehicle means:
a. A motorized land vehicle designed for use off
public roads and not subject to motor vehicle

a. Any house, other permanent structures

Guaranteed Rebuilding Cost Coverage
We will pay Guaranteed Rebuilding Cost
when shown on the Declarations Page of
this policy. Guaranteed Rebuilding Cost

coverage means that for a covered loss
we will pay the reconstruction cost of

cation;

b. A motorized land vehicle in dead storage

and

Other Permanent Structures
The amount of coverage for each house and
for other permanent structures at each location shown on the Declarations Page is
determined by the payment basis shown on

intent of protecting persons.
Property Damage means physical injury to, destruction of, or loss of use of tangible property and
the resulting loss of its use,

c.

house,

contents and other permanent structures unless

including household or domestic services; or
One who performs similar duties elsewhere not

effect of

related to your business.

inf

lation. At the time of

a

covered loss, your house and other permanent structures coverage will include
any increase in the Un¡ted States ConsLtmer Price lndex from the beginning of
the Policy Period.
Your payment basis is subject to the following

Watercraft means a boat or craft designed for use
on, over or under water.

restriction. lf at any time during the policy
period. you are newly constructing your house
or other permanent structures; constructing
additions; or undergoing renovations equal to

PCHO (09/06)

2

Exhibit A Page 000027

The most we will pay for a covered loss is the
lesser of the amount required to repair the
damage or the full cost to replace the contents
without deduction for depreciation, up to the

or in excess of the lesser of lOVo of the house
coverage limit or $500,000, and/or it results in
your moving out of the house for any period of
time, the payment basis for your house or other
permanent structures is the reconstruction cost
less depreciation. This limitation will not apply if
we otherwise give our prior written consent.
We may change the amount of coverage shown
on the Declarations Page when the policy renews or when appraisals are conducted to reflect current costs and values.
2. Amount of Coverage For Your Contents
The coverage amount for your contents for
each covered residence is listed on your
Declarations Page, The amount we will pay
for a covered loss will depend on where the

coverage limit.

However, the most we will pay for a covered
loss is the cost to repair or replace the contents
less depreciation, up to the coverage limit, if
the contents are obsolete or unusable for the
purpose for which they were originally intended
because of their age or condition.

lf, after a covered loss to both house and
for house coverage because of Guaranteed
contents, we pay more than the coverage limit

Rebuilding Cost, we will automatically increase
the amount of contents coverage for that loss
by the same percentage that we increased the
amount of house coverage,
The amount of coverage for your contents will
be increased daily to reflect the current effect
of inflation. At the time of a covered loss, your
contents coverage will include any increase in
the United States Consumer Price lndex from
the beginning of the Policy Period'

covered loss occurs:

At a Residence;
a. lf a loss occurs to contents located at a
residence with contents coverage:
i. Listed on the Declarations Page of this
policy:

We will pay up to the coverage limit
for contents for that location, for each

3.

ii. Under another Homeowners policy in
force with us:
We will not PaY anY amount under
this policy.
b. lf a loss occurs to contents located at a
residence that does not have contents
coverage or at a house, condominium,
cooperative or rental unit owned or
rented by the insured person not listed
on the Declarations Page of this policy or
any other policy issued by us or one of
our affiliated companies:
We will pay up to 10% of the highest
coverage limit for contents of any single
location listed in this policy, for each
occurrence. Payment will be made based
on the single location and will not be
made under more than one policy issued
by us or one of our affiliated companies.
However, contents at a newly acquired
residence are not subject to this limitation for sixty (60) days after you begin
to move property there.
Away From a Residence;
c. lf a loss occurs to contents located away
from any residence or location you own
or live at:
We will pay up to the highest coverage
limit for contents for any single location
listed in this policy, for each occurrence,
Payment will be made based on the
single location and will not be made
under more than one policy issued by us
or one of our affiliated companies.

PCHO (09/06)

Deductible

The deductible shown on the Declarations
Page is the amount of a covered loss you
will pay for each occurrence.
Your deductible shown on the Declarations
Page will be reduced by any other deductible
in this policy unless the deductible is a
special deductible such as hurricane, wind
and hail, or named storm.
Construction deductible. lf at any time during the Policy Period, you are newly constructing your house or other permanent
structures; constructing additions; or undergoing renovations equal to or in excess of
the lesser of 10% of the house coverage
limit or $500,000, and/or it results in your
moving out of the house for any period of
time, a 5 o/o construction special deductible
will apply to each occurrence in lieu of a
base deductible. This deductible applies to
your house, other permanent structures,

occurrence; or

contents, and additional coverages. The dollar amount of this deductible is based on the

house coverage limit shown on the Declarations Page for that location at the time of
the loss. This deductible does not elimlnate
any other special deductibles that may
apply. lf the deductible waiver for large
losses endorsement was selected, that endorsement will not apply. The construction
deductible will not apply to the loss if we
otherwise give our prior written consent.

4.

Pairs, Sets and Parts

For a covered loss

to a pair or set, we will

pay whichever is less:
a. The cost to replace the lost or damaged
ProPertY;

3

Exhibit A Page 000028

precious stones or semiprecious stones, whether
set or unset

b. The cost to restore

or repair the damaged
property to its pre-loss condition;

c.

The difference between the market value

d.

after the loss; or
The amount of coverage.

ii. Furs
iii. Guns

of the pair or set before the loss and

iv. Silverware, goldware,
pewterware or troPhies

we will pay you the full replacement cost of the entire pair or set if
you agree to surrender the remaining artiHowever,

5.

d. We will pay up to the total amount

each occurrence for contents in the
following categories unless the loss is
caused by breakage, in which case we

will only pay up to the limit shown
below, These special limits do not increase the amount of coverage of your

each of the following

categories is the maximum we will pay
for a covered loss to that type of contents. These special limits do not increase the amount of coverage of your

contents.
i. Crystal, china,
porcelains, figurines,
statues, sculPtures,
mirrors. wine bottles,
glassware and similar

contents.

i.

ii.

Money, bank notes,
money orders, drafts,
checks or gold, silver
or platinum bullion or
ingots

$2,500

Watercraft, including
their outboard motors,

$5,000

items,

urnishings

iii. Trailers
iv. Grave markers

and

$5,000
$50,000

Mausoleums

1

b. The limit shown for each of the following
categories is the maximum we will pay
for a covered loss to that type of contents unless they are stored in a bank

.

securities, accounts,

of debt,

letters of credit, notes
(other than bank notes),
manuscripts, passports,
tickets

c. We will pay up to the coverage limit for
contents coverage listed in the policy for
each occurrence for contents in the

apply.

We will also pay reasonable expenses associated with the kenneling of your domestic

following categories unless they are lost.
rrrisplaced or stolen, in which case we

animals only.

will only pay up to the limit shown
below. These special limits do not increase the amount of coverage of your

2.

Jewelry,

PCHO (09/06)

watches,

Assessments

to $ 1 00,000 per occurrence
for your share of an assessment charged

We will pay up

contents.

i.

Additional Living Expense
lf a covered loss makes your residence un-

inhabitable, we cover any reasonable increase in living expenses incurred by you to
maintain your household's usual standard of
living. Payment will continue for the shortest
reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to permanently
locate elsewhere, lf your residence is under
construction and you are living in the
residence at the time of loss, additional
living expenses will cease once you are
restored to the condition you were just prior
to the loss. We will not pay any interests for
loans or increased policy premiums associated with the rebuilding of your home. However, if prior to the loss you are not living in
the residence or have moved out because of
construction or renovations, then additional
living expenses for this location will not

vault or bank safe deposit box, in which
case we will pay up to the total amount
for contents coverage listed in the policy
for each occurrence, These special limits
do not increase the amount of coverage
of your contents.
i. Stamps, Coins & Medals $5,000
$5,000
ii. Negotiable papers,
evidences

$50,000

C. Additional Coverages
These coverages are offered in addition to the
amount of coverage shown on the Declarations
Page unless stated otherwise. Your deductible
applies to these coverages unless stated otherwise. Exclusions are described in section D,
Exclusions and limits of liability, are described
in section 8., 5. Special Limits of Liability apply
to these coverages.

equipment and
f

of

contents coverage listed in the policy for

cle(s) of the pair or set to us.
Special Limits of Liability

a. The limit shown for

$5,000
$5,000
$10,000

during the Policy Period against

$5,000

4

Exhibit A Page 000029

all the mem-

e.

bers of a Homeowners, Condominium or
Cooperative Association. The assessment
must be as a result of a covered loss to
property or as a result of liability that would
be covered under this policy. We will not
pay assessments charged for loss resulting
from earthquake; however, we will pay your
share of an assessment charged as a result
of an ensuing covered loss due to theft,
explosion, fire or glass breakage unless
another exclusion applies. We will not pay
more than $1O,0O0 for any assessment that
results f rom a deductible in your Association's insurance. The resultant assessment
must be a result of a covered loss to property or as a result of liability that would be
covered under this policy. We will not pay
assessments charged for loss resulting from
earthquake; however, we will pay your share
of an assessment charged as a result of an
ensuing covered loss due to theft, explosion,
fire or glass breakage unless another exclusion applies. Your deductible does not apply
to this coverage,

3.

Theft, attempted theft, vandalism or malicious mischief.
This additional coverage applies only if you
repair or replace the damaged landscaping
within 1 80 days of the date of loss.

6.

ln the event of a covered loss to your house

or other permanent structures we will pay
for required stabilization, excavation, or replacement of land under or around your
house or other permanent structures. We
will pay up to 10% of the amount of a
covered loss to your house or other per-

7.

8.

9.

Forced Evacuation

10.

1

1.

and

other permanent structures caused by lateral
or vertical movement of a man-made under-

or explosion;

13.

Riot or civil commotion;

d. A vehicle not owned or operated

PCHO (09/06)

Rebuilding to Code
We will pay the extra expenses to obey any
law or ordinance that regulates the repair,
rebuilding or demolition of property damaged
by a covered loss.

12. Mine Subsidence
We cover direct loss to your house

We will pay only for losses caused by:

the residence;

covered property,
Lock Replacement

are lost or stolen. Your deductible does not
apply to this coverage,

brush,

someone who lives at

your coverage,

We will pay for the cost of replacing the
locks in a residence listed on the Declarations Page if the keys to that residence

We will pay up To 5o/o of the coverage limit
for the house or, if house coverage is not
available, 5o/o of the coverage limit for the
contents at the residence at which the
covered loss occurs, but no more than
$ 5,000 for any one tree, shrub or plant.
Landscaping does not include forestry or

c.

of

the peril of windstorm, hail, weight of ice or
snow or sleet when there is no damage to

Landscaping

a. Aircraft;
b. Fire, lightning

increase the amount
Debris Removal

We will pay the reasonable expenses to
remove debris of a covered loss and the
property that caused that covered loss. We
will also pay up to a total of $ 1 000 to
remove trees from the residence if felled by

ition.

lf you are forced by civil authority to evacuate your residence as a direct result of a
loss or a reasonable threat of a loss covered
by this policy, we will reimburse you for the
reasonable increase in your living expenses
necessary to maintain your household's normal standard of living for up to thirty (30)
days. We also cover any loss in fair rental
value for up to thirty (30) days if your
residence is rented to others.
5.

Precautionary Repairs

After a loss covered by this policy, we will
pay the reasonable expenses you incur for
necessary repairs to protect your residence
against further loss. These payments do not

lf you are not able to rent out your residence, or a part of your residence, that you
usually rent to others because of a loss
covered by this policy, we will pay the fair
rental value for the reasonable amount of
time necessary to restore your residence, or
that part of your residence, to a habitable
4.

manent structures for this coverage.
Construction Materials

We cover materials and supplies owned by
you at each location shown on the Declarations Page for use in the repair, alterat¡on, or construction of your residence unless stated otherwise or an exclusion applies, These payments do not increase the
amount of your coverage.

Fair Rental Value

co nd

Land

ground mine or mine-related excavations.
Property Removal for Safekeeping
We will pay for any reasonable expenses in-

curred for the moving and storing of contents from a residence because the contents

by

or

5

Exhibit A Page 000030

14.

20. Arson Reward
We will pay up to $5,000 for information
leading to an arson conviction in connection
with a fire loss to property covered by this

are in danger as a result of a covered loss.
Data Replacement
We will reimburse you up to $5,000 for ex-

penses you incur as a result of a covered
loss to replace lost personal data stored on a

policy. The $5,000 limit is the most we will
pay, regardless of the number of persons
providing information. This coverage is additional insurance.

personal computer or portable computing
device that you own or lease.

15. Business Property
We will pay up to $25,000 for a covered
loss to business property you own or lease,
16. Fire Department Charges
We will pay for the charges imposed by law
or assumed by written agreement when a
f ire department answers a call to save or

21.

protect a residence listed on the Declarations
Page. Your deductible does not apply to this
coverage.

17. Back Up of Sewers and Drains
We will pay up to the coverage limits shown

22.

on the Declarations Page for physical loss or
damage to property caused by:
a. Water which backs up through sewers or
drains on the residence premises. A sewer or drain is a pipe mechanically connected to the residence plumbing system,
gutters or downspouts, or other drainage
pipe located on the residence premises

supply, originating either on or off-premises,
or due to the mechanical breakdown of
refrigeration equipment at any residence you
live at or own. Wine or spirits are not considered food. These payments do not increase your amount of coverage. This coverage is subject to a $250 deductible.
Ensuing Fungi or Bacteria
We will pay up to $10,000 in total for a loss
caused by fungi or bacteria resulting from a
covered loss, including:
a. The cost to remove, clean-up, remediate,
contain, treat, detoxify, neutralize, fungi

b.

or bacteria;
The cost to tear out and replace any part
of the building or other covered property
as needed to gain access to the fungi or

c.

used to drain water and waste away
from the residence. A backup is not due
to the inability of a sewer or drain to
handle the amount of rainwater. surface
water or groundwater trying to enter the

The cost of testing or monitoring of air or

bacteria;

property to confirm the absence, presence or level of fungi or bacteria whether
performed prior to, during or after removal, repair, restoration or replacement. The
cost of such testing will be provided only
to the extent that there is a reason to
believe that there is the presence of fungi
or bacteria; and
d. Up to $5,000 for the reasonable increase
in living expenses incurred by you to
maintain your household's usual standard
of living if your residence is uninhabitable. Payment will continue for the
shortest period of time necessary to
restore your residence to a habitable

sewer or drain.

b. Water which overflows from a sump
pump pit if such overflow results from
the mechanical breakdown of the sump
pump. This additional coverage is intended to cover damage caused by water

that overflows the sump pit due to mechanical breakdown of the sump pump,
but not damage caused bY surface or
groundwater before it enters the sump
pit. This coverage does not apply to
direct physical loss or damage of the
sump pump or related equipment, which
is caused by mechanical breakdown.
These payments do not increase the amount

condition.

This is the most we will pay regardless of
the number of occurrences, the number of
locations insured, or the number of claimsmade. We will not make any additional payments for Ensuing Fungi or Bacteria under

of your coverage.

18. Property of Domestic Staff and Guests
We cover the personal property of your
domestic staff and guests while it is on the
premises of any residence listed on the
Declarations Page. These payments do not
increase the amount of your coverage.
19. Loss by Animals
We cover loss to your house, other per-

any other Additional Coverage.
These payments do not increase the amount

of coverage,

23.

Loss Prevention Device

After a loss is covered by this policy, we will
pay for the reasonable costs you incur up to
S2,500 for the installation of an approved

manent structures, and contents caused by
domestic animals.

PCHO (09/06)

Food Spoilage

We cover f ood spoilage due to a temperature change in a refrigerator or freezer
caused by an interruption of the power

6

Exhibit A Page 000031

loss prevention device to protect your residence against the same loss in the future.

rodents, insects, birds or vermin except loss

to glass that is part of a building, storm door
or window. However, we do insure ensuing
covered loss unless another exclusion ap-

Approved loss prevention devices include
f ire alarms systems, f ire suppression systems, security systems, sump pumps, automatic water shut-off devices, lightning suppression systems, back-up power systems
and hail resistant roofing materials. These
payments do not increase the amount of

plies,

5. Structural Movement
We do not cover any loss caused by bulging, expansion, shrinking or settling, including resultant cracking, of foundation,
floors, walls, patios, pavements, ceilings or
roofs. However, we do insure ensuin s covered loss unless another exclusion app ti es.
6. Surface and Ground Water Damage

coverage.

This additional coverage only applies
loss exceeds the location deductible,
D

if

the

Exclusions

The following exclusions apply
PROPERTY section of your policy:
1

.

to

PART ll

We do not cover any loss caused bY:
a. Flood, surface water, waves, tidal water,

overflow of a bodY of water, or spray
from any of these, whether or not driven
by wind; or
b. Water below the surface of the ground,
including water which exerts pressure
on, or seeps or leaks through a building,
sidewalk, driveway, f oundation, swimming pool or other structure.

Pollution or Contamination

We do not cover any loss, directly or indirectly, and regardless of any cause or
event contributing concurrently or in any
sequence to the loss, caused by the discharge, dispersal, seepage, migration or release or escape of pollutants. Nor do we
cover the cost to extract pollutants from
land or water, or the cost to remove, restore
or replace polluted or contaminated land or
water. A "pollutant" is any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids,
alkalis, chemicals and "waste". A "contaminant" is an impurity resulting from the
mixture of or contact with a foreign
substance, "Waste" includes materials to be
disposed

2.

of, recycled, reconditioned or

7.

re-

permanent structures caused by freezing,
thawing, or the pressure or weight of water
or ice. whether driven by wind or not.
However, we do insure ensuing covered loss
unless another exclusion applies. The other
permanent structures to which this exclusion
applies are swimming pools, fences, tennis
courts, hot tubs, patios, pavements, foundations, septic systems, retaining walls,

claimed.
Gradual or Sudden Loss

We do not cover any loss caused by gradual
deterioration, wet or dry rot, warping, smog,
rust, or other corrosion. ln addition, we do
not cover any loss caused by inherent vice,
wear and tear, mechanical breakdown or

latent defect. However, we do insure

en-

suing covered loss unless another exclusion
applies.

3.

8.

Fungi or Bacteria

We do not cover any loss caused by the
presence, growth, proliferation, spread or
any activity of fungi or bacteria including the
cost to test for, monitor, clean up, move,
remediate. contain, treat, detoxify, neutralize
or in any way respond to, or assess the
effects of fungi or bacteria.

b.

Design, specifications, workmanship,

pair, construction, renovation,

re-

remodel-

ing, grading, compaction;

c.

Materials used in repair, construction,
renovation or remodeling; or

d.

-

Maintenance;

of part or all of any property whether on or
off the residence.
However, we do insure ensuing covered loss

b,

Ensuing covered loss unless another exclusion applies.
Loss by Rodents, lnsects, Birds or Vermin

9.

We do not cover any loss caused bY

PCHO (09/06)

Planning, zoning, development, surveying, siting;

PROPERTY. Additional Coverage. Ensuing
Fungi or Bacteria; or

4.

wharves, docks, piers, bridges or bulkheads'
Faulty, lnadequate or Defective Planning
We do not cover any loss caused by faulty,
inadequate or defective:

a.

This exclusion does not aPPIY to:

a. Coverage provided under PART ll

This exclusion does not aPPIY to:
a. Contents away from any residence or location you own or live at; or
b. Ensuing covered loss unless another exclusion applies.
Water or lce Damage to Certain Other Permanent Structures
We do not cover loss to certain other

unless another exclusion applies'
Earthquake

7

Exhibit A Page 000032

a.

We do not cover any loss to your house or
other permanent structures caused by earthquake. However, we do insure ensuing
covered loss due to theft, fire, glass breakage or explosion unless another exclusion

10.

b, Coverage provided under PART ll
Spoilage.
1

We do not cover any loss to your house or
other permanent structures caused by earth

7. Aircraft
We do not cover any loss to aircraft or
aircraft parts.

18. Confiscation
We do not cover any loss caused by the
destruction, confiscation or seizure by any

movement including volcanic eruptions,
landslides, mudf lows, and the sinking,
rising, or shifting of land, We do insure

government or public authority

ensuing covered loss due to theft, fire, glass

breakage or explosion unless another exclusion applies.
11. Business Property

We do not cover any direct loss or ensuing
loss to property caused by any kind of
warlike action. War includes undeclared war,
civil war, insurrection, rebellion, revolution,
warlike act by a military force or military
personnel, destruction or seizure or use for a
military purpose, and including any consequence of any of these, Discharge of a
nuclear weapon shall be deemed a warlike
act even if accidental.
20. Loss to Fish, Birds or Animals
We do not cover any loss to fish. birds or

business

erty.
Land Vehicles

We do not cover any loss to motorized land
vehicles including their equipment and accessories or any electronic devices designed

to be operated solely by power from the
electrical system of that vehicle, However,
we do cover vehicles not subject to motor
vehicle registration which are:
a. Used to service any residence you own
or live at;
b. Designed to assist the handicapped; or
c. Designed for recreational use off public

animals.
21

.

roads.

22,

We do not cover loss caused by renovating,
refinishing or repairing any kind of contents.
This exclusion does not apply to jewelry,
watches, and furs
14. Watercraft Accidents
We do not cover any loss caused by the
stranding, swamping or sinking of a watercraft or its trailer, or outboard motor
We also do not cover any loss caused by
collision of a watercraft other than collision
with a land vehicle unless another exclusion

23.

Nuclear Hazard

We do not cover any loss caused directly or
indirectly by "nuclear hazard", Nuclear hazard means any nuclear reaction, radiation, or
radioactive contamination, all whether controlled or uncontrolled or however caused,
or any consequence of any of these. However, ensuing covered loss due to fire resulting from a nuclear hazard is covered unless

.

applies.

15. Tenant Property
We do not cover any loss to property of

24.

another exclusion applies,
Back Up of Sewers or Drains

We do not cover any loss due to a back up
or overflow of a sewer or drain including any

.

loss that contributes to any event, This
exclusion does not apply to coverage provided under PART ll - PROPERTY, Additional

We do not cover any loss caused by extremes of temperature, dampness or dryness of atmosphere, or water vapor to your
house, other permanent structures or contents.
This exclusion does not apply to:

PCHO (09/06)

foreseen by a reasonable person, committed :
a, By or at the direction of you, your spouse
or a family member; and
With the intent to cause loss or damage ,
b.
Dishonest Acts

We do not cover any loss caused bY any
dishonest or criminal act by, or at the
direction of, you or any family member.

.

16.

lntentional Acts

We do not cover any loss caused by any
act, whose consequences could have been

13. Renovations and Repairs

roomers, boarders, or other tenants
Temperature or Dampness

.

19. Acts of War

property. This exclusion does not apply to
coverage provided under PART ll PROPERTY, Additional Coverage, Business Prop-

12. Motorized

-

PROPERTY, Additional Coverage, Food

applies.
Earth Movement

We do not cover any loss to

Loss caused directly by rain, sleet, snow

or hail; or

25.

Coverage, Back Up of Sewers and Drains.
Contents Under Another Policy

We do not cover any loss to contents that

I

Exhibit A Page 000033

person at our request up to a total of
$10,000 for assisting us in the investigation
or defense of a claim or suit;
3. The cost of bail bonds required of an insured

are insured under a private collections policy, valuable articles or similar policy not
issued by us or one of our affiliated companres,

26.

5.
6.

person because of a covered loss;
on bonds required in a suit we
defend, but not for bond amounts more than
the coverage amount (we need not apply for
or furnish any bond);
All expenses incurred bY us;
lnterest on the entire judgment which

1.

Damaged PropertY

Uninsured Owned Location

4. All premiums

We do not cover any loss caused directly or
indirectly by wind to contents located at an
owned house, condominium or cooperative
that does not have contents coverage listed
on the Declarations Page of this policy or
any other policy issued by us or one of our
affiliated companies.
Contents at a newly acquired location are

accrues after entry of the judgment and
before we pay or tender, or deposit in court,
that part of the judgment which does not
exceed the amount of coverage; and
7. All prejudgment interest awarded against an
insured person on that part of the judgment
we pay or offer to pay. We will not pay any
prejudgment interest based on that period of
time after we make an offer to pay the
amount of coverage.
jurisdictions where we are prevented from
ln
defending an insured person for a covered loss
because of laws or other reasons, we will pay
any expenses incurred with our prior written
consent for the insured person's defense.
Our duty to defend any claim or suit arising out
of a single occurrence ends when the amount
we have paid in damages for that occurrence
equals the Liability coverage limit shown on the
Declarations Page of this PolicY.
D. Additional Coverages

not subject to this exclusion for sixty
(60) days after you begin to move
contents there.
PART III - LIABILITY

A. lnsuring Agreement
We will pay damages an insured person is legally obligated to pay for personal injury or
property damage caused by an occurrence cov-

ered by this policy anywhere in the world,
unless stated otherwise or an exclusion applies.
B. Payment of a Loss
The most we will pay for all claims for personal
injury and property dam9g9.as a result of any
one occurrence ts the Liability coverage limit
shown on the Declarations Page of this policy.
This insurance applies separately to each insured person against whom a claim is made or
suit is brought, but we will not pay more than
the limit shown on the Declarations Page for
any single occurrence regardless of the number
of insured persons, claims made or persons injured. There is no restriction to the number of
occurrences during the Policy Period for which

lf an insured person destroys or damages
other people's property we will pay the
replacement cost for that property up to
$ 1 0,00O

claims may be made.
Payments under provision C., Defense Coverage

2.

and Claim Expense, except a settlement payment, are in addition to the Liability coverage
limit in the policy shown on the Declarations

Credit Cards, Forgery, and Counterfeiting
We will pay up to a total of $ 10,000 for:

a. Any amount an insured person is legally
obligated to Pay resulting from:
i. Theft or loss of a bankcard

Page.

tiable instrument, are complied with'

Loss caused by accepting in good faith
any counterfeit PaPer currencY,
At our option we may defend a claim or suit
against you or a family member for forgery

b.

counsel.

We may investigate and settle any claim or suit
at our discretion.
Additionally, we will pay:
1 . All court costs and expenses on judgments

or counterfeiting. We will defend a claim or
suit against you or a family member for loss
or theft of a bankcard or credit card.
3. Medical Payments to Others
Regardless of liability, we will pay the nec-

assessed against any insured person;
Reasonable expenses incurred by an insured

PCHO (09/06)

or credit

card issued in the name of You or a
family member; or
ii. Loss caused by forgery or alteration
of any check or negotiable instrument,
A loss will not be covered unless all the
terms for using the card, check or nego-

C. Defense Coverage and Claim Expense
We will pay the costs to defend an insured
person against any suit seeking covered damages for personal injury or property damage.
even if the suit is f alse, f raudulent or
groundless. You may choose counsel from a
panel of firms selected by us. lf a panel counsel
is not established in the jurisdiction where the
suit is brought, we reserve the right to select

2.

per occurrence'

9

Exhibit A Page 000034

essary medical expenses that are incurred or
medically ascertained within three (3) years
from the date of an accident causing bodily

out of the ownership, maintenance, use, operation, loading or unloading of any water-

each

a. That is twenty-six (26) feet or more in
length or fifty (50) or more horsepower

injury up

to a total of $ 10,000 for

craft:

person, This coverage does not apply to you

or a family member and only applies to

an

and which is owned by an insured person
or furnished or rented to an ínsured person for longer than thirty (30) days;
b. Used for any business or commercial pur-

accident that:

a.
b.

to a person , at a residence with
liability coverage listed on the Declarations Page, with permission from you
Occurs

pose; or

or a family member to be there;
Arises from a condition at a residence, or
at the steps, driveways or sidewalks immediately adjoining a residence. listed on
the Declarations Page with liability cov-

c.

4.

erage;

legally obligated to provide under any
workers' compensation, disability benef its,
Jones Act or General Maritime Law, un-

is

c. ls caused by an animal

4.

owned by or in
the care of an insured person; or
d. ls caused by an insured person or a
residence employee in the course of his
or her employment by an insured person.
Limited Residence Premises Business Liabilitv
We cover personal injury or property damage
arising out of the physical condition of a
residence shown on the Declarations Page
when business or professional activities are
legally conducted by any insured person at
that residence. The most we will pay for any
covered loss is the L¡ability coverage limit
shown on the Declarations Page. Coverage
is subject to the following:
a. You do not have any employees conducting business activities at your residence who are subject to workers'
compensation or other similar disability

employment compensation, occupational disease or similar law. However, we do provide

coverages in excess over any other insurance for damages a covered person is
legally obligated to pay for bodily iniury to a
residence employee of a location listed on
the Declarations Page which are not compensable under workers compensation, unless another exclusion aPPlies.

5.

board

6. Care, Custody

ance.

This policy does not provide coverage for liability, defense costs or any other cost or expense for:

a

or Control

7. lnsured Person

Motorized Land Vehicles

or property

Personal injury to an insured person under
this policy.

damage arising
out of the ownership, maintenance, use,
loading or unloading of any motorized land
vehicle. This exclusion does not apply to

8.

recreational motor vehicles except when
they are used for participation in or practice
for competitive racing.
2. Aircraft
Personal injury or property damage arising
out of the ownership, maintenance, use,
loading, unloading, or towing of any aircraft.
3, Watercraft
Personal injury or property damage arising

PCHO (09/06)

corporation or

Property Damage to property owned by,
rented to, occupied or used by, or in the
care, custody or control of an insured person to the extent that the insured person is
required by contract to provide insurance.
This exclusion does not apply to property
damage caused by fire, smoke, or explosion.

There is no other valid collectible insur-

Personal injury

of any

non-profit corporation or organization or for
a Condominium or Cooperative Association
unless another exclusion applies.

Exclusions

.

directors

out of an insured person's actions for

and

1

of

organization. This exclusion does not apply
to personal injury or property damage arising

laws;

E.

Directors Errors or Omissions

Personal injury or property damage arising
out of any insured person's acts, errors or
omissions as an officer or member of the

b. You are not a home day care provider;

c.

Used for participation in or practice for
competitive racing (except sailboats less
than twenty-six (26) feet in length)'
Workers' Compensation or Disability
Any damages or benefits an insured person

Discrimination
Personal injury arising out of actual, alleged

or threatened discrimination or harassment
due to age, race, national origin, color, sex,
creed, handicapped status, sexual prefer-

9.

ence or any other discrimination.
Sexual Molestation or Corporal Punishment

Personal injury arising

out of any

actual.

alleged or threatened by any person:

a. Sexual molestation, misconduct
10

Exhibit A Page 000035

or

Personal injury

harassment;

b.

c.

Corporal punishment; or
Sexual, physical or mental abuse.

17.

10. Transmitted Diseases
Personal injury resulting directly or indirectly
from any illness, sickness or disease transmitted intentionally or unintentionally by an
insured person to anyone. We do not cover
any damages for any threat of exposure or
any consequences resulting from that illPersonal injury or property damage arising
out of an insured person's business property
or business pursuits, investment activity or
any activity intended to realize a profit for
either an insured person or others. However,
this exclusion does not apply to:
a. Volunteer work for an organized charitable, religious or community group;
b. lncidental business activity; or
c. Limited Residence Premises Business Liability Coverage.

12.

nuclear reaction,

radiation, or radioactive contamination.
lntentional Acts
Personal injury or property damage resulting
f rom any criminal, willf ul, intentional or

malicious act or omission by any person,
We also will not cover claims for acts or
omissions of any person which are intended
to result in, or would be expected by a

ness, sickness, or disease,
Business Pursu¡ts

11.

or property damage caused

or indirectly by

directly

18.
19.

reasonable person to cause, property damage or personal iniury. This exclusion applies
even if the injury or damage is of a different
kind or degree, or is sustained by a different
person, than expected or intended. This exclusion does not apply to bodily injury if the
insured person acted with reasonable force
to protect any person or ProPerty'
Wrongful Termination
Personal injury arising out of wrongful termination of employment.
Controlled Substance(s)
Personal injury or property damage arising

out of the use, sale, manufacture,

delivery

possession of a Controlled
Substance(s) as defined by the Federal Food
and Drug Law at 21 U.S.C.A. Sections 811
and 812. This exclusion does not apply to
the legitimate use of prescription drugs of a

or

Professional Services

Personal injury or property damage arising
out of an insured person's performing or failure to perform prof essional services for
which any insured person is legally responsible or licensed.

transf

er or

person following the orders

of a licensed

physician,

13. War
PART IV - CONDITIONS

Bodily injury or property damage caused directly or indirectly by war, including the following and any consequence of the follow-

A. Your

tng:

a.
b.

1

Undeclared war, civil war, insurrection,

seizure or use

2. Your duty is to notify your agent or broker
at the beginning of any renovation or con-

struction work and throughout the work to
maintain an appropriate amount of coverage
and confirm that appropriate protective safe-

of prop-

erty for a military purpose.

Discharge of a nuclear weapon will
deemed a warlike act even if accidental.

14.

be

B.

ers.

by

us.

must:

5. Contractual

1. Give prompt notice to us or your agent

Personal injury or property damage arising
from contracts or agreements, whether written or unwritten:
a. Made in connection with any insured person's business ; or
b. ln which the liability of others is assumed
after a covered loss.

or

broker.

2. Notify the police in case of loss by theft.
3. Notify the credit card or fund transfer

card

company in case of loss under credit card or
fund transfer card coverage.

4.

16. Nuclear Hazard

PCHO (09/06)

guards are in place as determined
Your Duties After a Loss

ln the event of an occurrence which is likely to
involve this policy, or if you or any other insured person under this policy is sued in connection with an occurrence which may be covered under this policy, you or an insured person

Assessments

Any assessment charged against an insured
person as a member of an association,
corporation or community of property own1

. Your duty is to notify your agent or broker
of a change in occupancy,

rebellion, or revolution;
Warlike acts by a military force or military
personnel; or

c. The destruction,

Duties

Protect the property from further damage. lf

repairs
must:

11

Exhibit A Page 000036

to the property are required, you

a.
b.

E. Assignment

Make reasonable and necessary repairs to
protect the property; and
Keep an accurate record of all repair ex-

No one covered under this policy may assign or
turn over any right or interest in regard to the
policy without our written consent.

penses.

5.

Provide

6.

F.

documents.
As often as we reasonably require:
a. Show the damaged property;

b.

us with bills, receipts and

related

No change or modification of this policy shall be
eff

1. lntentionally concealed or

oath.

Your

knowledge:
a. The time and cause of loss;
b. The interest of all others in the property;

H. Reasonable Care
You must use reasonable care to maintain heat
in your residence or shut off and drain the water system or appliances if the home is vacant,
unoccupied or being constructed. We do not
cover any loss caused by water freezing in a

c. Other insurance which may cover the
loss; and

The dollar amount being claimed as your
I

9.
10.

misrepresented

any material fact or circumstance;
2. Engaged in fraudulent conduct; or
3. Made false statements;
relating to this insurance.

7. Send to us within sixty (60) days of our
request, your signed sworn proof of loss

8,

en-

The entire policy will be void if, whether before
or after a loss, you or an insured person have:

c. Submit to separate examination under

d.

ective except when made by written

dorsement signed by our legal representative.
G. Concealment or Fraud

Provide us with records and documents
we request; and

which sets forth, to the best of

Changes

oss.

plumbing, heating, or air conditioning system or
household appliance if reasonable care has not

Provide us with the names and addresses of
any known persons injured and any available
witnesses.

been exercised,

l.

insured person.
Assist and cooperate with us in the conduct
of the defense by helping us:
a. To make settlement;

Conformity to Statutes
Any provision of this policy, which is in conflict
with state or local law, is amended to conform
to the law,

J,

Provide us with any suit papers and other
documents which will help us defend any

Liberalization

lf we

broaden the coverages provided by your
policy without an additional premium charge,
the changes will automatically apply to your
policy as of the effective date on which the

b. To enforce any right of contribution
indemnity against any person or organization who may be liable to an insured

or

changes are adopted in Your state.

person;

K. Bankruptcy or Death

c, To attend hearings and trials; and
d. To secure and give evidence and obtain

the attendance of witnesses,
C. Policy Period and Territory
The Policy Period is stated on the Declarations
Page. This policy applies to an occurrence
which takes place anywhere in the world unless
otherwise limited by the policy.
D. Recovery
lf the ínsured person has rights to recover all or
part of any payment we have made under this
policy, those rights are transferred to us. The
insured person must do nothing after loss to
impair such rights of recovery. At our request,
the insured person will bring suit or transf er
those rights to us and help us enforce them.

L.

The insured person's bankruptcy or insolvency
shall not relieve us of any of our obligations.
Further, if the insured person dies or becomes
bankrupt or insolvent during the Policy Period,
this policy, unless cancelled, will cover the insured person's legal representative for the remainder of the Policy Period.
Legal Action Against Us.
No action shall be brought against us unless the
insured person has complied with this policy's
provisions and for Liability coverage, not until
final judgment or agreement has set the amount
of the insured person's legal obligation to us'
You also agree to bring any action against us
within one year after a loss occurs, but not until

thirty (30) days after proof of loss has been
f iled and the amount of loss has been
determined.

For Liability coverage, no one has the right to
join us in any action against any other insured
person.

PCHO (09/06)

12

Exhibit A Page 000037

Subrogation

M. Appraisals

will not impair the right of

the

mortgagee to recover the full amount under the
mortgagee's claim.
P. Your Cancellation
You may cancel this policy or any part of it at
any time by notifying us in writing of the future
date that the cancellation is to take effect
O. Our Cancellation

lf you and we fail to agree on the

amount of
loss, either party may make a written demand
that each selects an independent appraiser. ln
this event, the parties must notify each other of
their selection within twenty (20) days. The
independent appraisers will select an arbitrator
within fifteen (15) days. lf an arbitrator is not
agreed upon within that time, either party may
request the arbitrator be selected by a judge.
The independent appraisers will then appraise
the loss and submit any differences to the
arbitrator. A decision in writing agreed to by the
two appraisers or either appraiser and the
arbitrator will be binding. Each appraiser will be
paid by the party that has selected the appraiser. You and we will share the expenses of
the arbitrator equally,

To cancel this policy we must notify you in
writing. This notice will be mailed to you at the

will be paid to you and the mortgagee as interests appear, lf there is more than one mortgagee named in this policy, the order of payedence.

N.

last mailing address shown on the Declarations
Page and we will obtain an U.S. Post Office
certificate of mailing, This notice will include
the date the cancellation is to take effect and
the reason for the cancellation. lt shall also
state that any excess premium, if not returned,
shall be refunded on demand. ln the event of
cancellation by you or by us, we will refund any
unearned premium on the effective date of
cancellation, or as soon as possible afterwards,
The unearned premium will be computed pro
rata for the unexpired term of the policy.
We may cancel this policy subject to the following conditions:
1. Nonpayment of Premium
lf you fail to pay the premium by the date it
is due we may cancel this policy with (ten)
'l 0 days notice, whether the premium is due
to us, to our agent, or under any finance or
credit plan.

2. Misrepresentation

Other lnsurance

lf a loss covered by this

policy is also covered

by other insurance, we will pay only
proportion

of the loss that the limit of

the

liability
that applies under this policy bears to the total
amount of insurance covering the loss.
O. Mortgage Clause.
The word mortgagee includes trustee. lf a mortgagee is named in this policy, any covered loss

ment will be identical

to the order of

prec-

We may cancel this policy with th¡rty (30)
days notice if there has been a material
misrepresentation of fact or omission of fact
either of which, if known to us, would have
caused us not to issue the PolicY'

lf your claim is denied, the denial will not apply
to a valid claim submitted by the mortgagee if
they:

1. Notify us of any change in ownership

or

substantial change in risk of which they are

3.

aware;

2.

We may cancel this policy with thirty (30)
days notice in the event or circumstance of
a material increase in, or a change to, the
covered property that increases the hazard

Pay any premium due on this policy or on
demand if you have neglected to pay the
premium; and

3. Submit a sworn statement of loss

with¡n

sixty (60) days after receiving notice from us
of your failure to do so.
your policy is cancelled or not renewed by us,
lf
the mortgagee will be notified in writing at least
ten (1 0) days before the cancellation or non-

4.

hazard insured against.

R. Nonrenewal
lf we elect not to renew this policy, we shall
mail to you at the last address known to us
written notice of nonrenewal not less than
thirty (30) days before the end of the Policy

mort-

gagee:
1

. We are subrogated to all the rights of

the

mortgagee granted under the mortgage on

the property; or
2. At our option, we may pay the mortgagee
the entire principal on the mortgage plus any
accrued interest, ln this event we will receive a full assignment and transfer of the
mortgage and all securities held as collateral
to the mortgage debt.

PCHO (09/06)

insured against.
Conviction of Crime

We may cancel this policy with thirty (30)
days notice if you have been convicted of a
crime arising out of an act that increases the

renewal takes effect,

lf we deny payment to you but pay the

lncrease in Hazard

Period as stated on the Declarations Page,
Regardless, this policy will terminate at the end
of the Policy Period stated on the Declarations

Page if you have failed to discharge when due
any of your obligations in connection with the
payment of premium for the renewal of this

13

Exhibit A Page 000038

policy, or if you have notified us or our agent
that you do not wish this policy to be renewed.

Proof of mailing of notice mentioned above shall

be sufficient proof of notice,

lncludes copyrighted material from lnsurance Services Office, lnc, with its permission

ln witness whereof, we have caused this policy to be executed and attested, and
this policy shall not be valid unless countersigned by our authorized representative.

if required by state

AIG Property Casualty Company
I
President

Secretary

lncludes copyrighted material from lnsurance Services Office, lnc, with its permission

PCHO (09/06)

14

Exhibit A Page 000039

law

: PCG 0006004261
Policy Period:Ol lO1 12014 - 01 lO1 12015

Endorsement Effective Date: 01 lO1 114

Endorsement to Policy #

MANUSCRIPT

EN

DORSEMENT

With respect to coverage provided by this endorsement, all provisions and conditions of the policy apply unless they
are changed by this endorsement,
Name of lnsured and Mailing Address

Agency Name. Address, Phone # & Code

William H. Cosby

Momentous lnsurance Brokerage

Camille Cosby
c/o Momentous lnsurance
5990 Sepulveda Blvd. #550
Van Nuys, CA 9141 1

5990 Sepulveda Blvd,
Suite #550
Van Nuys, CA 9141

(818)

Manuscript Coverage
ADDITIONAL INSURED

With respect to coverage provided by this endorsement, all provisions and
conditions of the policy apply unless they are changed by this endorsement

It is agreed and understood that Part l. DEFINITIONS, ltem 10. lnsured Person
has been amended to include the person or organization named below for the
specified lÒcation:
Lo cat i o n

:

Additional lnsured
Name of Person or Organization

Guy Hanks, Trustee

Address: *c/o Momentous lnsurance
5990 Sepulveda Blvd #550
Van Nuys CA 9141 1

PCG-MAN (01/05)

Exhibit A Page 000040

933-2700

1

0051601

lnterest: *Additional lnsured

The definition of insured person in this policy includes the person or
organization named above with respect to:
Part ll. PROPERTY
House and Other Permanent Structures; and
Part lll, LIABILITY but only with respect to the residence named above.
This coverage does not apply to bodily injury or personal injury to any employee
arising out of or in the course of the employees employment by the person or
organization listed above.

lf we decide to cancel or not to renew this policy, the party named above will
be notified in writing.

*

Entries may be left blank if shown elsewhere in this policy for thiscoverage,

PCG-MAN (01 /05)

2

Exhibit A Page 000041

: PCG 0006004261
Policy Period:O1 lO1 12014 ' 01 lO1 12015

Endorsement Effective Date: 01

Endorsement to Policy #

lO1l14

MANUSCRIPT ENDORSEMENT
With respect to coverage provided by this endorsement, all provisions and conditions of the policy apply unless they
are changed by this endorsement.
Name of lnsured and Mailing Address

Agency Name, Address, Phone # & Code

William H. Cosby

Momentous lnsurance Brokerage

Camille Cosby
c/o Momentous lnsurance
5990 Sepulveda Blvd. #550
Van Nuys, CA 9141 1

5990 Sepulveda Blvd.
Suite #550
Van Nuys, CA 9141

(818)

Manuscript Coverage
ADDITIONAL INSURED

With respect to coverage provided by this endorsement, all provisions and
conditions of the policy apply unless they are changed by this endorsement,
It is agreed and understood that Part l. DEFINITIONS, ltem 1O. lnsured Person
has been amended to include the person or organization named below for the
specified location:
Lo cat i o n

:

Additional lnsured
Name of Person or Organization:

*

Eli Chiu, Nominee

Address: *c/o Momentous lnsurance
5990 Sepulveda Blvd #550
Van Nuys CA 9141 1

PCG-MAN (01/05)

Exhibit A Page 000042

933-2700

1

005',1601

lnterest: *Additional lnsured

The definition of insured person in this policy includes the person or
organization named above with respect to:
Part ll. PROPERTY
House and Other Permanent Structures; and
Part lll. LIABILITY but only with respect to the residence named above,
This coverage does not apply to bodily injury or personal injury to any employee
arising out of or in the course of the employees employment by the person or
organization listed above,

lf we decide to cancel or not to renew this policy, the party named above will
be notified in writing,

*

Entries may be left blank if shown elsewhere in this policyfor this coverage

PCG-MAN (O1/05)

2

Exhibit A Page 000043

AIG Property Casualty
U. S. Privacy and Data Security Notice
About This Notice

This Privacy and Data Security Notice applies only to your Personal lnformation (see definition
below) obtained by one of the property-casualty insurance company subsidiaries or affiliates of
American lnternational Group, lnc. listed at the end of this notice (collectively, the "AlG Companies"
or "we") in connection with the products or services one of those companies provided primarily for
your personal, family, or household purposes in connection with which you are receiving this notice.

The AIG Companies have established practices, procedures and system protections that are
designed to help protect the privacy and security of Personal lnformation that we collect in the
course of conducting our business, This notice outlines how we collect, handle, and disclose
Personal lnformation about you.

The term "Personal lnformation," as used in this Privacy and Data Security Notice, means
information that identifies you personally. Examples of Personal lnformation include, but are not
limited to, a first and last name, a home or other physical address, an email address, a financial
account or credit card number, a driver's license number, or information on your physical condition
or health status.

l,

lnformation Privacy

We may collect Personal lnformation from applications, enrollment forms, in claims processing, or in
your other interactions with us and with our Affiliates, We may also collect Personal lnformation
from credit reporting agencies and other third parties in connection with the sale of our products to
you.

We will collect Personal lnformation only in accordance with applicable laws or regulations, whether
we collect it in response to your request for a product or service from us or otherwise.
lnformation Sharing
We may share your Personal lnformation with Affiliates and Non-Affiliates as described below.

With our Affiliates:

Our Affiliates may include other insurance companies, insurance holding companies, insurance
agents and agencies, claims administrators, marketing companies, e-commerce service providers,
and companies providing administrative services.

We may share your Personal lnformation, including Personal lnformation of a health nature, with our
Affiliates that ass¡st us in servicing your insurance policies, Examples are administration (billing and
collections), risk management, underwriting, and claims handling, We may also share your Personal
lnformation with our Affiliates for the purpose of detecting and preventing fraud, as directed or
authorized by you, or as otherwise permitted or required by law.
With Non-Affiliates:

We maV share your Personal lnformation, including Personal lnformation of a health nature, with
Non-Affiliates that assist us in servicing your insurance policies. Examples are administration (billing
and collections), risk management, underwriting, and claims handling. We may also share your
Personal lnformation with Non-Affiliates for the purpose of detecting and preventing fraud, as
directed or authorized by you, or as otherwise permitted or required by law.

We may also enter into joint marketing agreements with Non-Affiliates to share your non-health
Personal lnformation as permitted by law. These Non-Affiliates may include providers of financial
products or services such as insurance companies, financial institutions, and securities firms.
Because we do not share Personal lnformation with either Affiliates or Non-Affiliates in any other
way, there is no need for an opt-out process in our privacy procedures.

78052 (01/13)

Exhibit A Page 000044

For California and Vermont Residents: lf it becomes necessary to share your Personal lnformation
with Non-Affiliates other than as specifically allowed by law, we will not do so without first
obtaining your permission.

ll.

Data Security

To help prevent unwarranted disclosure of your Personal lnformation and secure it from theft, we
utilize ie'cure computer networks. Access is restricted to those persons who have a business need
to use your Personal lnformation to provide products or services to you. We also maintain physical,
electronic, and procedural safeguards designed to protect your Personal lnformation in compliance
with federal and state privacy and information security laws. Non-Affiliates that assist us in
servicing insurance policies or who enter into joint marketing agreements with us are required to
take meãsures to maintain the security of your Personal lnformation in compliance with federal and
state privacy and information security laws.

lll.

Maintaining Personal lnformation

We also maintain procedures to ensure that the Personal lnformation we collect is accurate,
up-to-date, and as complete as possible. lf you believe the information we have about you in our
records or files is incomplete or inaccurate, you may request that we make additions or corrections,

or if it is feasible. that we delete this information from our files. You may make this request
writing to (include your name, address and policy number):

in

Chief PrivacY Officer
AIG Ptopetty CasualtY
180 Maiden Lane, 40th Floor I New York, NY 10038
Fax: 212 45A-7O81
E-Mail: [e-mail]

Special Notice: You can obtain access to any non-public Personal lnformation we have about you if
yäu properly identify yourself and submit a written request to the address above describing the
íntormaiion you want io review. We will also tell you the identity, if recorded, of persons to whom
we have disclosed your non-public Personal lnformation within the preceding two years.

You may request that we correct, amend or delete information about you. lf we do so, we will
notify oiganizations that provided us with that information and, at your request, persons who
received ihat ¡nformation from us within the preceding two years. lf we cannot grant your request
to correct, amend or delete the information, you may give us a written statement of the reasons you
disagree, which we will place in your file and give to the same parties who would have been
notified of the requested change.
Our Customers Can Depend on Us

We are committed to maintaining our trusted relationship with our Customers. We consider it our
privilege to serve our Customersr insurance and financial needs and we value the trust they have
placed"in us. Our Customers' privacy is a top priority. We will continue to monitor our practices. in
brder to protect that privacy and will comply with state privacy laws that require more restrictive
practices than those set out in this notice.
lmportant Information Concerning the Applicabil ity and Future Change s to this Privacy and Data
Security Notice
We may change this Privacy and Data Security Notice from time to time, and if particular changes
are required by law to be communicated to you, we will do so.
The AIG Companies include: American Home Assurance Company; AIG Assurance Company; AIG
Property Casualty Company; AIG Specialty lnsurance Company; Commerce and lndustry lnsurance
Company; Granite State lnsurance Company; lllinois National lnsurance Co.; Lexington lnsurance
Comþany; National Union Fire lnsurance Company of Pittsburgh, Pa.; National Union Fire lnsurance
Company of Vermont; New Hampshire lnsurance Company; The lnsurance Company of the State of
Pennsylvania; American lnternational Life Assurance Company of New York; and American General
Life lnsurance Company of Delaware.

78052 (01/13)

Exhibit A Page 000045

ADD¡T¡ONAL INSURED
With respect to coverage provided by this endorsement, all provisions and conditions
of the policy apply unless they are changed by this endorsement.

It is agreed and understood that Part L DEF|NlTlONS,ltem 10. lnsured Person has
been ãmended to include the person or organization named below for the specified
location:
Location *

Additional lnsured
Name of Person or Organization

Address: *

I

nterest

*

11579

LLC

c/o Momentous lnsurance
5990 Sepulveda Blvd #550
Van Nuys, CA 91 41 1

Additional lnsured

The definition of insured person in this policy includes the person or organization
named above with respect to:
Part ll. PROPERTY
House and Other Permanent Structures; and
Part lll. LIABILITY but only with respect to the residence named above.
This coverage does not apply to bodily injury or personal injury to any employee
arising out of or in the course of the employee's employment by the person or
organization listed above.

lf we decide to cancel or not to renew this policy, the party named above will
notified in writing.

*

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

PCHO-ADIN (B/OO)

Exhibit A Page 000046

be

ADDITIONAL INSURED
With respect to coverage provided by this endorsement, all provisions and conditions
of the policy apply unless they are changed by this endorsement.

It is agreed and understood that Part L DEF|NlTlONS,ltem 10, lnsured Person has
been ãmended to include the person or organization named below for the specified
location:
Location *

Additional lnsured
Name of Person or Organization

Address: *

I

nterest

*

1

8

LLC

c/o Momentous lnsurance
5990 Sepulveda Blvd #550
Van Nuys, CA 9141 1

Additional lnsured

The definition of insured person in this policy includes the person or organization
named above with respect to:
Part ll. PROPERTY
House and Other Permanent Structures; and
Part lll. LIABILITY but only with respect to the residence named above,
This coverage does not apply to bodily injury or personal injury to any employee
arising out of or in the course of the employee's employment by the person or
organization listed above.

lf we decide to cancel or not to renew this policy, the party named above will
notified in writing.

* Entries

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

PCHO-ADIN (8/OO)

Exhibit A Page 000047

be

ADDITIONAL INSURED
With respect to coverage provided by this endorsement, all provisions and conditions
of the policy apply unless they are changed by this endorsement.

It is agreed and understood that Part L DEFINITIONS,ltem 10. lnsured Person has
been amended to include the person or organization named below for the specified
location:
Location *

Additional lnsured
Name of Person or Organization:

Address

I

nterest

*

243

LLL

c/o Momentous lnsurance
5990 Sepulveda Blvd #550
Van Nuys, CA 9141 1

Additional lnsured

The definition of insured person in this policy includes the person or organization
named above with respect to:
Part ll. PROPERTY
House and Other Permanent Structures; and
Part lll. LIABILITY but only with respect to the residence named above.
This coverage does not apply to bodily injury or personal injury to any employee
arising out of or in the course of the employee's employment by the person or
organization listed above.

lf we decide to cancel or not to renew this policy, the party named above will
notified in writing.

* Entries may be left blank if shown

elsewhere in this policy for this coverage

PCHO-ADIN (8/OO)

Exhibit A Page 000048

be

ADDITIONAL INSURED
With respect to coverage provided by this endorsement, all provisions and conditions
of the policy apply unless they are changed by this endorsement.

It is agreed and understood that Part l. DEFINITIONS, ltem 10. lnsured Person has
been ãmended to include the person or organization named below for the specified
location:
Location:

*

Additional lnsured:
Name of Person or Organization
Address *

lnterest:

*

* 15OO

LLC

c/o Momentous lnsurance
5990 Sepulveda Blvd #550
Van Nuys, CA 9141 1

Additional lnsured

The definition of insured person in this policy includes the person or organization
named above with respect to:
Part ll. PROPERTY
House and Other Permanent Structures; and
Part lll. LIABILITY but only with respect to the residence named above
This coverage does not apply to bodily injury or personal injury to any employee
arising out of or in the course of the employee's employment by the person or
organization listed above.

lf we decide to cancel or not to renew this policy, the party named above will be
notified in writing.

* Entries may be left blank if shown

elsewhere in this policy for this coverage

PCHO-AD|N (8/OO)

Exhibit A Page 000049

ADDITIONAL INSURED
With respect to coverage provided by this endorsement, all provisions and conditions
of the policy apply unless they are changed by this endorsement,

It is agreed and understood that Part L DEF|NlTlONS,ltem 10. lnsured Person has
been ãmended to include the person or organization named below for the specified
location:
Location:

*

Additional lnsured
Name of Person or Organization:

Address: *

lnterest:

*

*

LLC

c/o Momentous lnsurance
5990 Sepulveda Blvd #550
Van Nuys, CA 9141 1

Additional lnsured

The definition of insured person in this policy includes the person or organization
named above with respect to:
Part ll. PROPERTY
House and Other Permanent Structures; and
Part lll. LIABILITY but only with respect to the residence named above
This coverage does not apply to bodily injury or personal injury to any employee
arising out of or in the course of the employee's employment by the person or
organization listed above.

lf we decide to cancel or not to renew this policy, the party named above will be
notified in writing.

*

Entries may be left blank

if shown elsewhere in this policy for this coverage

PCHO-ADIN (B/OO)

Exhibit A Page 000050

ADDITIONAL INSURED
With respect to coverage provided by this endorsement, all provisions and conditions
of the policy apply unless they are changed by this endorsement,

It is agreed and understood that Part l. DEF|NlTlONS,ltem 10. lnsured Person has
been ãmended to include the person or organization named below for the specified
location:
Location: *

Additional lnsured:
Name of Person or Organization:

Catherine Carter, Nominee

c/o Momentous lnsurance
599O Sepulveda Blvd #550
Van Nuys, CA 9141 1

Address

lnterest:

*

*

Addltional lnsured

The definition of insured person in this policy includes the person or organization
named above with respect to:
Part ll. PROPERTY
House and Other Permanent Structures; and
Part lll. LIABILITY but only with respect to the residence named above.
This coverage does not apply to bodily injury or personal injury to any employee
arising out of or in the course of the employee's employment by the person or
organization listed above.

lf we decide to cancel or not to renew this policy, the party named above will be
notified in writing,

* Entries may be left blank if shown

elsewhere in this policy for this coverage

PCHO-ADIN (B/OO)

Exhibit A Page 000051

EOUIPMENT BREAKDOWN COVERAGE

With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.
As respects the following location:

The following additional coverage is added to the AIG Private Client Group Homeowners policy
AGREEMENT

We will provide the insurance described in this endorsement in compliance with all applicable
provisions of this policy. The most we will pay for loss, damage or expense under this endorsement
arising from any one accident is $250,000 Coverage provided under this endorsement does not
increase any limit of liability under Part ll, PROPERTY.
DEFINITIONS

The following definitions are added:
Accident means sudden and accidental:
1.
a
mechanical or electrical breakdown; or

b.

tearing apart, cracking, burning or bulging of a steam or hot water heating system,
or an air conditioning system;
that results in direct physical damage to covered equipment'
2

Covered equipment
a.
Covered equipment means property, other than contents, covered under Part

ll

--

PROPERTY:

(1)
(21
b.

that generates, transmits or utillzes energy; or
which, during normal usage, operates under vacuum or pressure. other than
the weight of its contents.
None of the following is covered equipment:
(1) supporting structure, cabinet or compartment;

(21
(3)

insulating material;

(41

water piping other than boiler feedwater piping, boiler condensate return
piping or wãter piping forming a part of a refrigerating or air conditioning

sewer piping, buried vessels or piping, or piping forming a part of a fire
protective sprinkler system;

sYStem;

(5)
(6)

kitchen

or laundry appliances, other than those

permanently installed,

including but not limited to, refrigerator, dishwasher, oven, stove, clothes
washer or clothes dryer; or
electronic entertainment or computer equipment, including but not limited to:
(a) television equipment inclusive of plasma television equipment;

(b)
(c)

stereo equipment; or
any electronic component used with such electronic entertainment or
computer equipment.
Covered equipment does, however, include permanently installed wiring
associated with such electronic entertainment or computer equipment.

PCHO-EB

(09/06)

Pase 1 of 3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission'

Exhibit A Page 000052

3

One accident means: lf an initial accident causes other accidents, all will be considered one
accident. All accidents that are the result of the same event will be considered one accident.

PROPERTY COVERAGES

We will pay for direct physical damage to covered equipment that is the result of
accident

2

an

.

Additional Living Expense
Coverage for Additional Living Expense, as provided under

C. Additional Coverages,

is

to the coverage provided by this endorsement, We will pay up to
S20,0OO per accident under this coverage, We will not pay for any expense incurred by

extended

you beyond 30 days after the accident even if it takes more than 30 days to restore your
iesidence to a habitable condition or for your household to permanently locate elsewhere.
EXCLUSIONS

The following exclusions are addedl
We will not pay under this endorsement for loss, damage or expense caused by or resulting
1.
from electrical power surge or brownout'

2.

We do not cover under this endorsement any property that is

not

covered equipment.

DEDUCTIBLE

The following deductible provision replaces any other deductible provision in the policy or on the
Declarations Page with respect to loss covered under this endorsement'

ln case of a loss under this endorsement, we will pay only for that part of the loss over
No other deductible applies to this coverage.
$2,500
This deductible applies to the affected equipment regardless of any other deductible..in this policy .or
any other policy.'Vour homeowner deductible will aþply to any ensuing loss, but will be reduced by
this deductible amount.
CONDITIONS

The following conditions are added:
Environmental, Safety and Efficiency lmprovements
1.
lf covered equípment requires replacement due to an accident, we will pay your additional
cost to repla'ce' with equipment that is better for the environment, safer or more efficient
than the equipment being replaced'
However, we will not pay more than 125o/o of what the cost would have been to replace
with like kind and quality. This condition does not increase any of the applicable limits'
2

Payment of a Loss
Losses under this endorsement will be settled as follows:
Our payment for damaged covered equipment will be the smallest of :
a.
(1) The coverage limit shown for Equipment Breakdown;
(21 The cost to repair the damaged covered equipment;
(3) The cost to replace the damaged covered equipment on the same premises;
or

(41

The necessary amount actually spent

to

repair or replace the damaged

covered equiPment'

PCHO-EB

(09/06)

Pase 2 of 3

lncludes copyrighted material of lnsurance Services Office, lnc,, with its permission.

Exhibit A Page 000053

b

c

PCHO-EB

Except as described in Environmental, Safety and Efficiency lmprovements above,
you are responsible for the extra cost of replacing damaged covered equipment with
property of a better kind or quality or of a different size or capacity.
lf you do not repair or replace the damaged covered equipment within 24 months,
after the date of the accident, then we will pay only the smaller of the:
(1) Cost it would have taken to repair at the time of the accident; or
(21 Actual cash value at the time of the accident,

(09/06)

Page 3 of 3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission.

Exhibit A Page 000054

EOUIPMENT BREAKDOWN COVERAGE

With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.
As respects the following location:

The following additional coverage is added to the AIG Private Client Group Homeowners policy
AGREEMENT

We will provide the insurance described in this endorsement in compliance with all applicable
provisions of this policy. The most we will pay for loss, damage or expense under this endorsement
ãrising from any one accident is 9250,000 Coverage provided under this endorsement does not
increase any limit of liability under Part ll, PROPERTY.
DEFINITIONS

The following definitions are added:
Accident means sudden and accidental:
1.
mechanical or electrical breakdown; or
a

b.

tearing apart, cracking, burning or bulging of a steam or hot water heating system,
or an air conditioning system;
that results in direct physical damage to covered equipment'
2

Covered equipment
Covered equipment means property, other than contents, covered under Part
a.

ll

--

PROPERTY:

(1)
(21

b.

that generates, transmits or utiltzes energy; or
which, during normal usage, operates under vacuum or pressure, other than
the weight of its contents.
None of the following is covered equipment:
(1 )
supporting structure, cabinet or compartment;

(21
(3)
(4\

insulating material;

sewer piping, buried vessels or piping, or piping forming a part of a fire
protective sprinkler system;
water piping other than boiler feedwater piping, boiler condensate return
piping or water piping forming a part of a refrigerating or air conditioning
system;

(5)
(6)

kitchen or laundry appliances. other than those permanently installed,
including but not iimite¿ to, refrigerator, dishwasher, oven, stove, clothes
washer or clothes dryer; or
electronic entertainment or computer equipment, including but not limited to:

(a)
(b)
(c)

television equipment inclusive of plasma television equipment;
stereo equipment; or
any electronic component used with such electronic entertainment or
computer equipment.
Covered equipment does, however, include permanently installed wiring
associated with such electronic entertainment or computer equipment.

PcHo-EB

(09/06)

Page 1 of 3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission,

Exhibit A Page 000055

3

One accident means: lf an initial accident causes other accidents, all will be considered one
accident. All accidents that are the result of the same event will be considered one accident.

PROPERTY COVERAGES

We will pay for direct physical damage to covered equipment that is the result of
accident

2

an

.

Additional Living Expense
Coverage for Additional Living Expense, as provided under

C. Additional Coverages,

is

to the coverage provided by this endorsement. We will pay up to
$20,000 per accident under this coverage. We will not pay for any expense incurred by

extended

you beyond 30 days after the accident even if it takes more than 30 days to restore your
residence to a habitable condition or for your household to permanently locate elsewhere.
EXCLUSIONS

The following exclusions are added:
1.
We will not pay under this endorsement for loss, damage or expense caused by or resulting
from electrical power surge or brownout.

2.

We do not cover under this endorsement any property that is

not covered equipment

DEDUCTIBLE

The following deductible provision replaces any other deductible provision in the policy or on the
Declarations Page with respect to loss covered under this endorsement,

ln case of a loss under this endorsement, we will pay only for that part of the loss over
No other deductible applies to this coverage.
$ 2,500
This deductible applies to the affected equipment regardless of any other deductible in this policy or
any other policy. Your homeowner deductible will apply to any ensuing loss, but will be reduced by
this deductible amount.
CONDITIONS

The following conditions are added:
Environmental. Safety and Efficiency lmprovements
1.
lf covered equipment requires replacement due to an accident, we will pay your additional
cost to replace with equipment that is better for the environment, safer or more efficient
than the equipment being replaced.
However, we will not pay more than 125o/o of what the cost would have been to replace
with like kind and quality. This condition does not increase any of the applicable limits.
2

Payment of a Loss
Losses under this endorsement will be settled as follows:
a.
Our payment for damaged covered equipment will be the smallest of :
(1) The coverage limit shown for Equipment Breakdown;
(21 The cost to repair the damaged covered equipment;
(3) The cost to replace the damaged covered equipment on the same premises;
or

(41

The necessary amount actually spent to repair or replace the

damaged

covered equipment,

PCHO-EB

(09/06)

Page 2

lncludes copyrighted material of lnsurance Services Office, lnc,, with its permission.

Exhibit A Page 000056

of

3

b

c

PCHO-EB

Except as described in Environmental, Safety and Efficiency lmprovements above,
you are responsible for the extra cost of replacing damaged covered equipment with
property of a better kind or quality or of a different size or capacity,
lf you do not repair or replace the damaged covered equipment within 24 months,
after the date of the accident, then we will pay only the smaller of the:
(1) Cost it would have taken to repair at the time of the accident; or
(21 Actual cash value at the time of the accident.

(09/06)

Page 3 of 3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission,

Exhibit A Page 000057

EOUIPMENT BREAKDOWN COVERAGE

With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.
As respects the following location:

The following additional coverage is added to the AIG Private Client Group Homeowners policy
AGREEMENT

We will provide the insurance described in this endorsement in compliance with all applicable
provisions of this policy. The most we will pay for loss, damage or expense under this endorsement
arising from any one accident is $250,000 Coverage provided under this endorsement does not
increase any limit of liability under Part ll, PROPERTY,
DEFINITIONS

The following definitions are added:
1.
Accident means sudden and accidental:
a
mechanical or electrical breakdown; or

b.

tearing apart, cracking, burning or bulging of a steam or hot water heating system,
or an air conditioning system;
that results in direct physical damage to covered equipment.
2

Covered equipment

a.

Covered equipment means property, other than contents, covered under Part

ll

--

PROPERTY:

(1)
l2l
b.

that generates, transmits or utillzes energy; or
which, during normal usage, operates under vacuum or pressure, other than
the weight of its contents.
None of the following is covered equipment:
(1) supporting structure, cabinet or compartment;

(21
(3)
(41

insulating material;

sewer piping, buried vessels or piping, or piping forming a part of a fire
protect¡ve sprinkler system;
water piping other than boiler feedwater piping, boiler condensate return
piping or water piping forming a part of a refrigerating or air conditioning
system;

(5)
(6)

or laundry appliances, other than those permanently installed,
including but not limited to, refrigerator, dishwasher, oven, stove, clothes
washer or clothes dryer; or
electronic entertainment or computer equipment, including but not limited to:
kitchen

(a)
(b)
(c)

television equipment inclusive of plasma television equipment;
stereo equipment; or
any electronic component used with such electron¡c enterta¡nment or
computer equipment.
Covered equipment does, however, include permanently installed wiring
associated with such electronic entertainment or computer equipment.

PCHO-EB

(09/06)

Pase 1 of 3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission.

Exhibit A Page 000058

3

One accident means: lf an initial accident causes other accidents, all will be cons¡dered one
accident. All accidents that are the result of the same event will be considered one accident.

PROPERTY COVERAGES
1

We will pay for direct physical damage to covered equipment that is the result of
accident

2

an

.

Additional Living Expense
Coverage for Additional Living Expense, as provided under C. Additional Coverages,

is

extendei to the coverage provided by this endorsement. We will pay up to
$20,OOO per accident under this coverage. We will not pay for any expense incurred by
you beyond 30 days after the accident even if it takes more than 30 days to restore your
iesidence to a habitable condition or for your household to permanently locate elsewhere.

EXCLUSIONS

The following exclusions are added:
1.
We will not pay under this endorsement for loss, damage or expense caused by or resulting
from electrical power surge or brownout.

2.

We do not cover under this endorsement any property that is

not covered equipment

DEDUCTIBLE

The following deductible provision replaces any other deductible provision in the policy or on the
Declarations Page with respect to loss covered under this endorsement.

ln case of a loss under this endorsement, we will pay only for that part of the loss over
No other deductible applies to this coverage.
$2,500
This deductible applies to the affected equipment regardless of any other deductible in this policy .or
any other policy. Vour homeowner deductible will apply to any ensuing loss, but will be reduced by
this deductible amount.
CONDITIONS

The following conditions are added:
1.
Environmental, Safety and Efficiency lmprovements
lf covered equipment requires replacement due to an accident, we will pay your additional
cost to replace with equipment that is better for the environment, safer or more efficient
than the equipment being replaced.
However, we will not pay more than 125o/o of what the cost would have been to replace
with like kind and quality. This condition does not increase any of the applicable limits.
2

Payment of a Loss
Losses under this endorsement will be settled as follows:
Our payment for damaged covered equipment will be the smallest of :
a.
(1) The coverage limit shown for Equipment Breakdown;
(21 The cost to repair the damaged covered equipment;
(3) The cost to replace the damaged covered equipment on the same premises;
or

(41

The necessary amount actually spent

to

repair or replace the damaged

covered equiPment.

PCHO-EB

(09/06)

Page 2

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission.

Exhibit A Page 000059

of

3

b

c

Except as described in Environmental, Safety and Efficiency lmprovements above,
you àre responsible for the extra cost of replacing damaged covered equipment with
property of a better kind or quality or of a different size or capacity.
lf you do not repair or replace the damaged covered equipment within 24 months,
after the date of the accident, then we will pay only the smaller of the:
(1) Cost it would have taken to repair at the time of the accident; or
(21 Actual cash value at the time of the accídent.

PCHO-EB (09/06)
- - -lnòluãescopyrighted

.Page 3 of 3

material of lnsurance Services Office, lnc., with its permission.

Exhibit A Page 000060

EOUIPMENT BREAKDOWN COVERAGE PLUS

With respect to coverage provided by this endorsement. all provisions and conditions of the policy
apply unless they are changed by this endorsement.

As respects the following location(s):

The following additional coverage is added to the AIG Private Client Group Homeowners policy

AGREEMENT

We will provide the insurance described in this endorsement in compliance with all applicable provisions of this policy. Coverage provided under this endorsement does not increase any limit of liabil-

ity under Part ll, PROPERTY.
DEFINITIONS

The following definitions are added:

1.

Accident means sudden and accidental:

a.
b.

mechanical or electrical breakdown; or

tearing apart, cracking, burning or bulging of a steam or hot water heating system, or an air
conditioning system;

that results in direct physical damage

to

covered equipment'

2.

Computer equipment means electronic data processing hardware and related peripheral equipment. This includes, but is not limited to, laptops, monitors and display screens, media, keyboards, printers, modems and permanently installed wiring associated with such equipment.

3.

Covered equipment
a. Covered equipment means property that generates, transmits or utilizes energy; or which.
during normal usage, operates under vacuum or pressure, other than the weight of its con-

b.

tents; and that is:
( 1 ) part of your house or other permanent structures;
(2) computer equipment; or
(3) home theater and audio system equipment.
None of the following is covered equipment:
(1 ) supporting structure, cabinet or compartment;

(2) insulating material;
(3) sewer piping, buried vessels or piping. or piping forming a part of a fire protective sprinkler system;

(4) water piping other than boiler feedwater piping, boiler condensate return piping or water
piping forming a part of a refrigerating or air conditioning system;
(5) kitchen or laundry appliances, other than those permanently installed, including but not
limited to, refrigerator, dishwasher, oven. stove, clothes washer or clothes dryer;
(6) personal electronic devices;
(7) software or electronic data;
(8) pinball machines, arcade electronic games or video gaming systems;
(9) property used at any time or in any manner for business;

(03/08)

1 of 3
of lnsurance Services Office, lnc., with its permission
lncludes copyrighted material

PCHO-EB-PLUS

Exhibit A Page 000061

(10) property not owned by an insured person; or
(11) property not at a residence unless the property is at a location listed on the Declarations
page of this policy and is property that is used for incidental Business.

4.

Home theater and audio system equipment means electronic entertainment equipment. This includes, but is not limited to, televisions, projection equipment, receivers, amplifiers, sound processors, turntables, recording and playback devices, speakers, controls, lighting and permanently installed wiring associated with such equipment.

5.

Media means material on which data ¡s recorded, This includes, but is not limited to, magnetic
tapes, hard drives, optical storage drives and CD/DVD drives.

6.

One accident means:

7

,

lf an initial accident causes other accidents, all will be considered one accident. All accidents that are the result of the same event will be considered one accident.
Personal electronic device means any device that transmits, receives, enhances, displays or
stores electronic data and that is primarily designed and intended to be handheld and used by
one person at a time. This includes, but is not limited to, personal digital assistants. cameras,
camcorders, cell phones and personal listening devices,

PROPERTY COVERAGES

.

We will pay for direct physical damage to covered equipment that is the result of an accident.
The most we will pay for loss, damage or expense arising from any one accident is the applicable amount of coverage shown on the Declarations Page for your house'

2.

Additional Living Expense
Coverage for Additional Living Expense, as provided under C, Additional Coverages, is extended
to the coverage provided by this endorsement. We will pay up to the limit that applies to Additional Living Expense.

1

EXCLUSIONS

The following exclusions are added:
1

.

2.
3

We will not pay under this endorsement for loss, damage or expense caused by or resulting
from electrical power surge or brownout,
We do not cover under this endorsement any property that is

not covered equipment,

We will not pay under this endorsement for loss, damage or expense caused by or resulting
from any defect, programming error, programming limitation, computer virus, malicious code,
loss of data. loss of access, loss of use, loss of functionality or other condition within or involving data or media of any kind. But if an accident results, we will pay for the resulting loss, damage or expense.

DEDUCTIBLE

The following deductible provision replaces any other deductible provision in the policy or on the
Declarations Page with respect to loss covered under this endorsement.
ln case of a loss under this endorsement, we will pay only for that part of the loss
No other deductible applies to this coverage.

(03/08)

over

$2,500.

2 of 3
of lnsurance Services Office, lnc., with its permission
lncludes copyrighted material

PCHO-EB-PLUS

Exhibit A Page 000062

This deductible applies to the affected equipment regardless of any other deductible in this policy or
any other policy. Your homeowner deductible will apply to any ensuing loss, but will be reduced by
this deductible amount,

lf the deductible waiver for large losses endorsement was selected, that endorsement will not apply
to this coverage.
CONDITIONS

The following conditions are added
Environmental, Safety and Efficiency lmprovements
lf covered equipment requires replacement due to an accident, we will pay your additional cost
to replace with equipment that is better for the environment, safer or more efficient than the
equipment being replaced.
However, we will not pay more than 125o/o of what the cost would have been to replace with
like kind and quality. This condition does not increase any of the applicable limits.

2,

Payment of a Loss
Losses under this endorsement will be settled as follows:
a. Our payment for damaged covered equipment will be the smallest of :
(1) The applicable coverage limit;
(2) The cost to repair the damaged covered equipment;
(3) The cost to replace the damaged covered equipment on the same premises; or
(4) The necessary amount actually spent to repair or replace the damaged covered
equipment.
b. Except as described in Environmental, Safety and Efficiency lmprovements above, you are
responsible for the extra cost of replacing damaged covered equipment with property of a
better kind or quality or of a different size or capacity.
c. lf you do not repair or replace the damaged covered equipment within 24 months, after the
date of the accident, then we will pay only the smaller of the:
(1) Cost it would have taken to repair at the time of the accident; or
(2) Actual cash value at the time of the accident,

PCHO-EB-PLUS

(03/oB)

3 of 3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission

Exhibit A Page 000063

EOUIPMENT BREAKDOWN COVERAGE PLUS

With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.
As respects the following location(s):

The following additional coverage is added to the AIG Private Client Group Homeowners policy

AGREEMENT

We will provide the insurance described in this endorsement in compliance with all applicable provisions of this policy. Coverage provided under this endorsement does not increase any limit of liabil-

ity under Part ll, PROPERTY.
DEFINITIONS

The following definitions are added:

1.

Accident means sudden and accidental:

a.
b.

mechanical or electrical breakdown; or

tearing apart, cracking, burning or bulging of a steam or hot water heating system, or an air
conditioning system;

that results in direct physical damage

to

covered equipment.

2.

Computer equipment means electronic data processing hardware and related peripheral equipment. This includes, but is not limited to, laptops, monitors and display screens, media, keyboards, printers, modems and permanently installed wiring associated with such equipment.

3.

Covered equipment
a. Covered equipment means property that generates, transmits or utilizes energy; or which,
during normal usage, operates under vacuum or pressure, other than the weight of its con-

b.

tents; and that is:
( 1 ) part of your house or other permanent structures;
(2) computer equipment; or
(3) home theater and audio system equipment.
None of the following is covered equipment:
(1 ) supporting structure, cabinet or compartment;

(2) insulating material;
(3) sewer piping, buried vessels or piping, or piping forming a part of a fire protective sprinkler system;

(4) water piping other than boiler feedwater piping, boiler condensate return piping or water
piping forming a part of a refrigerating or air conditioning system;
(5) kitchen or laundry appliances, other than those permanently installed, including but not
limited to, refrigerator, dishwasher, oven, stove, clothes washer or clothes dryer;
(6) personal electronic devices;
(7) software or electronic data;
(8) pinball machines, arcade electronic games or video gaming systems;
(9) property used at any time or in any manner for business;

PCHO-EB-PLUS

(03/08)

1 of 3

lncludes copyrighted material of lnsurance Services Office, lnc.. with its permission

Exhibit A Page 000064

(10) property not owned by an insured person;or
(11) property not at a residence unless the property is at a location listed on the Declarations
page of this policy and is property that is used for incidental Business.

4.

Home theater and audio system equipment means electronic entertainment equipment. This includes, but is not limited to, televisions, projection equipment, receivers, amplifiers, sound processors, turntables, recording and playback devices, speakers, controls, lighting and permanently installed wiring associated with such equipment.

b.

Media means material on which data is recorded. This includes, but is not limited to, magnetic
tapes, hard drives, optical storage drives and CD/DVD drives.

6.

lf an initial accident causes other accidents, all will be considered one accident. All accidents that are the result of the same event will be considered one accident,

7.

Personal electronic device means any device that transmits, receives, enhances, displays or
stores electronic data and that is primarily designed and intended to be handheld and used by
one person at a time. This includes, but is not limited to, personal digital assistants, cameras,
camcorders, cell phones and personal listening devices'

One accident means:

PROPERTY COVERAGES

1.

We will pay for direct physical damage to covered equipment that is the result of an accident,
The most we will pay for loss, damage or expense arising from any one accident is the applicable amount of coverage shown on the Declarations Page for your house.

2.

Additional Living Expense
Coverage for Additional Living Expense, as provided under C. Additional Coverages, is extended
to the coverage provided by this endorsement, We will pay up to the limit that applies to Add¡tional Living Expense.

EXCLUSIONS

The following exclusions are added:

1.

We will not pay under this endorsement fo loss, damage or expense caused by or resulting
from electrical power surge or brownout.

2.

We do not cover under this endorsement any property that is

3.

We will not pay under this endorsement fo loss, damage or expense caused by or resulting
from any defect, programmtng error, programming limitation, computer virus, malicious code,
loss of data, loss of aãcess, loss of use, loss of functionality or other condition within or involving data or media of any kind, But if an accident results, we will pay for the resulting loss, dam-

not covered equipment.

age or expense.

DEDUCTIBLE

The following deductible provision replaces any other deductible provision in the policy or on the
Declarations Page with respect to loss covered under this endorsement.
ln case of a loss under this endorsement, we will pay only for that part of the loss
No other deductible applies to this coverage.
PCHO-EB-PLUS

(03/08)

over

$2,500.

2 or 3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission

Exhibit A Page 000065

This deductible applies to the affected equipment regardless of any other deductible in this policy or
any other policy. Your homeowner deductible will apply to any ensuing loss, but will be reduced by
this deductible amount.

lf the deductible waiver for large losses endorsement was selected, that endorsement will not apply
to this coverage.
CONDITIONS

The following conditions are added
Environmental. Safety and Efficiency lmprovements
lf covered equipment requires replacement due to an accident, we will pay your additional cost
to replace with equipment that is better for the environment, safer or more efficient than the
equipment being replaced.
However, we will not pay more than 125o/o of what the cost would have been to replace with
like kind and quality. This condition does not increase any of the applicable limits'

2.

Payment of a Loss
Losses under this endorsement r¡vill be settled as follows:
a. Our payment for damaged covered equipment will be the smallest of :
(1) The applicable coverage limit;
(2) The cost to repair the damaged covered equipment;
(3) The cost to replace the damaged covered equipment on the same premises; or
(4) The necessary amount actually spent to repair or replace the damaged covered
equipment.
b. Except as described in Environmental, Safety and Efficiency lmprovements above, you are
responsible for the extra cost of replacing damaged covered equipment with property of a
better kind or quality or of a different size or capacity,
c. lf you do not repair or replace the damaged covered equipment within 24 months, after the
date of the accident, then we will pay only the smaller of the:
(1) Cost it would have taken to repair at the time of the accident; or
(2) Actual cash value at the time of the accident'

PCHO-EB-PLUS

(03/08)

3 of 3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission

Exhibit A Page 000066

EOUIPMENT BREAKDOWN COVERAGE PLUS

With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.
As respects the following location (s)

The following additional coverage is added to the AIG Private Client Group Homeowners policy

AGREEMENT

We will provide the insurance described in this endorsement in compliance with all applicable provisions of this policy. Coverage provided under this endorsement does not increase any limit of liabil-

ity under Part ll, PROPERTY.
DEFINITIONS

The following definitions are addedl

1.

Accident means sudden and accidental:

a.
b.

mechanical or electrical breakdown; or

tearing apart, cracking, burning or bulging of a steam or hot water heating system, or an air
conditioning system;

that results in direct physical damage

to

covered equipment.

2.

Computer equipment means electronic data processing hardware and related peripheral equipment. This includes, but is not limited to, laptops, monitors and display screens, media, keyboards, printers, modems and permanently installed wiring associated with such equipment.

3.

Covered equipment
a. Covered equipment means property that generates, transm¡ts or utilizes energy; or which,
during normal usage, operates under vacuum or pressure, other than the weight of its con-

b.

tents; and that is:
(1 ) part of your house or other permanent structures;
(2) computer equipment; or
(3) home theater and audio system equipment.
None of the following is covered equipment:
(1) supporting structure, cabinet or compartment;

(2) insulating material;
(3) sewer piping, buried vessels or piping, or piping forming a part of a fire protective sprinkler system;

(4) water piping other than boiler feedwater piping, boiler condensate return piping or water
piping forming a part of a refrigerating or air conditioning system;
(5) kitchen or laundry appliances, other than those permanently installed, including but not
limited to, refrigerator, dishwasher, oven, stove, clothes washer or clothes dryer;
(6) personal electronic devices;
(7) software or electronic data;
(8) pinball machines, arcade electronic games or video gaming systems;
(9) property used at any time or in any manner for business;

PCHO-EB-PLUS

(03/08)

1 of 3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission

Exhibit A Page 000067

(10) property not owned by an insured person; or
(1 1) property not at a residence unless the property is at a location listed on the Declarations
page of this policy and is property that is used for incidental Business.

4.

Home theater and audio system equipment means electronic entertainment equipment. This includes, but is not limited to, televisions, projection equipment, receivers, amplifiers, sound processors, turntables, recording and playback devices, speakers, controls, lighting and permanently installed wiring associated with such equipment.

5.

Media means material on which data is recorded. This includes, but is not limited to, magnetic
tapes, hard drives, opt¡cal storage drives and CD/DVD drives'

6.

One accident means: lf an initial accident causes other accidents, all will be considered one accident, All accidents that are the result of the same event will be considered one accident.

.

Personal electronic device means any device that transmits, receives, enhances, displays or
stores electronic data and that is primarily designed and intended to be handheld and used by
one person at a time. This includes, but is not limited to, personal digital assistants, cameras,

7

camcorders, cell phones and personal listening devices.

PROPERTY COVERAGES

.

We will pay for direct physical damage to covered equipment that is the result of an accident.
The most we will pay for loss, damage or expense arising from any one accident is the applicable amount of coverage shown on the Declarations Page for your house.

2.

Additional Living Expense
Coverage for Additional Living Expense, as provided under C. Additional Coverages, is extended
to the coverage provided by this endorsement. We will pay up to the limit that applies to Additional Living Expense.

1

EXCLUSIONS

The following exclusions are added:

1.

We will not pay under this endorsement for loss, damage or expense caused by or resulting
from electrical power surge or brownout.

2.

We do not cover under this endorsement any property that is

3.

We will not pay under this endorsement for loss, damage or expense caused by or resulting
from any defect, programming error, programming limitation, computer virus, malicious code,
loss of data, loss of access, loss of use, loss of functionality or other condition within or involving data or media of any kind. But if an accident results, we will pay for the resulting loss, dam-

not covered equipment

age or expense.

DEDUCTIBLE

The following deductible provision replaces any other deductible provision in the policy or on the
Declarations Page with respect to loss covered under this endorsement.
ln case of a loss under this endorsement, we will pay only for that part of the loss
No other deductible applies to this coverage.
PCHO-EB-PLUS

(03/08)

2 of

over

$2,500'

3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission

Exhibit A Page 000068

This deductible applies to the affected equipment regardless of any other deductible in this policy or
any other policy. Your homeowner deductible will apply to any ensuing loss, but will be reduced by
this deductible amount.

lf the deductible waiver for large losses endorsement was selected, that endorsement will not apply
to this coverage,
CONDITIONS

The following conditions are added
Environmental, Safety and Efficiency lmprovements
lf covered equipment requires replacement due to an accident, we will pay your additional cost
to replace with equipment that is better for the environment, safer or more efficient than the
equipment being replaced.
However, we will not pay more than 125o/o of what the cost would have been to replace with
like kind and quality. This condition does not increase any of the applicable limits.

2.

Payment of a Loss
Losses under this endorsement will be settled as follows:
a. Our payment for damaged covered equipment will be the smallest of:
(1) The applicable coverage limit;
(2) The cost to repair the damaged covered equipment;
(3) The cost to replace the damaged covered equipment on the same premises; or
(4) The necessary amount actually spent to repair or replace the damaged covered
equipment.
b. Except as described in Environmental, Safety and Efficiency lmprovements above, you are
responsible for the extra cost of replacing damaged covered equipment with property of a
better kind or quality or of a different size or capacity.
c. lf you do not repair or replace the damaged covered equipment within 24 months, after the
date of the accident, then we will pay only the smaller of the:
(1) Cost it would have taken to repair at the time of the accident; or
(2) Actual cash value at the time of the accident.

PCHO-EB-PLUS

(03/08)

3 of 3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission

Exhibit A Page 000069

EOUIPMENT BREAKDOWN COVERAGE PLUS

With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.

As respects the following location(s):

The following additional coverage is added to the AIG Private Client Group Homeowners policy

AGREEMENT

We will provide the insurance described in this endorsement in compliance with all applicable provisions of this policy. Coverage provided under this endorsement does not increase any limit of liabil-

ity under Part ll, PROPERTY.
DEFINITIONS

The following definitions are added:
1

.

Accident means sudden and accidental:

a.
b.

mechanical or electrical breakdown; or

tearing apart, cracking, burning or bulging of a steam or hot water heating system, or an air
conditioning system;

that results in direct physical damage

to

covered equipment.

2.

Computer equipment means electronic data processing hardware and related peripheral equipment. This includes, but is not limited to, laptops, monitors and display screens, media, keyboards, printers, modems and permanently installed wiring associated with such equipment.

3.

Covered equipment

a.

b.

Covered equipment means property that generates, transmits or utilizes energy; or which,
during normal usage, operates under vacuum or pressure, other than the weight of its contents; and that is:
( 1 ) part of your house or other permanent structures;
(2) computer equipment; or
(3) home theater and audio system equipment.
None of the following is covered equipment:
(1) supporting structure, cabinet or compartment;

(2) insulating material;
(3) sewer piping, buried vessels or piping, or piping forming a part of a fire protective sprinkler system;

(4) water piping other than boiler feedwater piping, boiler condensate return piping or water
piping forming a part of a refrigerating or air conditioning system;
(5) kitchen or laundry appliances. other than those permanently installed, including but not
limited to, refrigerator, dishwasher¡ oven, stove, clothes washer or clothes dryer;
(6) personal electronic devices;
(7) software or electronic data;
(8) pinball machines, arcade electronic games or video gaming systems;
(9) property used at any time or in any manner for business;

(03/08)

1 of 3
of lnsurance Services Office, lnc., with its permission
lncludes copyrighted material

PCHO-EB-PLUS

Exhibit A Page 000070

(10) property not owned by an insured person; or
(1 1) property not at a residence unless the property is at a location listed on the Declarations
page of this policy and is property that is used for incidental Business.

4.

Home theater and audio system equipment means electronic entertainment equipment. This includes, but is not limited to, televisions, projection equipment, receivers, amplifiers, sound processors, turntables, recording and playback devices, speakers, controls, lighting and permanently installed wiring associated with such equipment,

5.

Media means material on which data is recorded, This includes, but is not limited to, magnetic
tapes, hard drives, optical storage drives and CD/DVD drives.

6.

One accident means: lf an initial accident causes other accidents, all will be considered one accident. All accidents that are the result of the same event will be considered one accident.

7.

Personal electronic device means any device that transmits, receives, enhances, displays or
stores electronic data and that is primarily designed and intended to be handheld and used by
one person at a time. This includes, but is not limited to, personal digital assistants, cameras,
camcorders, cell phones and personal listening devices.

PROPERTY COVERAGES

1.

We will pay for direct physical damage to covered equipment that is the result of an accident.
The most we will pay for loss, damage or expense arising from any one accident is the applicable amount of coverage shown on the Declarations Page for your house'

2.

Additional Living Expense
Coverage for Additional Living Expense, as provided under C. Additional Coverages, is extended
to the coverage provided by this endorsement. We will pay up to the limit that applies to Additional Living Expense.

EXCLUSIONS

The following exclusions are added:
1

.

We will not pay under this endorsement for loss, damage or expense caused by or resulting
from electrical power surge or brownout.

not covered equípment

2.

We do not cover under this endorsement any property that is

3.

We will not pay under this endorsement for loss, damage or expense caused by or resulting
from any defect, programming error, programming limitation, computer virus, malicious code,
loss of data, loss of access, loss of use, loss of functionality or other condition within or involving data or media of any kind. But if an accident results, we will pay for the resulting loss, damage or expense.

DEDUCTIBLE

The following deductible provision replaces any other deductible provision in the policy or on the
Declarations Page with respect to loss covered under this endorsement.
ln case of a loss under this endorsement, we will pay only for that part of the loss
No other deductible applies to this coverage.
PCHO-EB-PLUS

(03/08)

2 of

over

$2'500.

3

lncludes copyrighted material of lnsurance Services Office, lnc., with its permission

Exhibit A Page 000071

This deductible applies to the affected equipment regardless of any other deductible in this policy or
any other policy. Your homeowner deductible will apply to any ensuing loss, but will be reduced by
this deductible amount.

lf the deductible waiver for large losses endorsement was selected, that endorsement will not apply
to this coverage.
CONDITIONS

The following conditions are added
Environmental, Safety and Efficiency Improvements
lf covered equipment requires replacement due to an accident, we will pay your additional cost
to replace with equipment that is better for the environment, safer or more efficient than the
equipment being replaced.
However, we will not pay more than 125o/o of what the cost would have been to replace with
like kind and quality. This condition does not increase any of the applicable limits.

2.

Payment of a Loss
Losses under this endorsement will be settled as follows:
a. Our payment for damaged covered equipment will be the smallest of:
(1) The applicable coverage limit;
(2) The cost to repair the damaged covered equipment;
(3) The cost to replace the damaged covered equipment on the same premises; or
(4) The necessary amount actually spent to repair or replace the damaged covered
equipment.
b. Except as described in Environmental, Safety and Efficiency lmprovements above, you are
responsible for the extra cost of replacing damaged covered equipment with property of a
better kind or quality or of a different size or capacity.
c. lf you do not repair or replace the damaged covered equipment within 24 months, after the
date of the accident, then we will pay only the smaller of the:
(1) Cost it would have taken to repair at the time of the accident; or
(2) Actual cash value at the time of the accident.

PCHO-EB-PLUS

(o3/o8)

3 of

3

lncludes copyrighted material of lnsurance Services Office. lnc., with its permission

Exhibit A Page 000072

Flood Coverage
With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.
As respects the following location

Flood Zone Assignment:
X

Flood zone B, C, or X
Flood zone A or V
Flood zone D

As respects Flood coverage provided by this endorsement, PART

l-

DEFINITIONS

is amended to

include the following:
Flood means:

1. A general and temporary

condition of partial or complete inundation

of normally dry

land

area from:

a. Overflow of inland or tidal waters;
b. Unusual and rapid accumulation or runoff of surface waters from any source; or

c. Mudflow.

2.

Collapse or subsidence of land along the shore of a lake or similar body of water as a result
of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in 1.a. above.

All flooding in a continuous or protracted event will constitute a single flood.
Landslide means the rapid movement of a mass of soil downslope along a curved or planar failure
surface, without deformation of the soil structure.

Mudflow means a river of liquid and flowing mud occurring on level or near-level surfaces of normally dry land areas that have not been affected by landslide, as when earth is carried by a current
of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving
by liquidity down a slope, are not mudflows.
National Flood lnsurance Program (NFIP) means the program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the
Code of Federal Regulations, Subchapter B'
Special Flood Hazard Area (SFHA) means an area having special flood, or mudflow, and/or floodrelated erosion hazards, and shown on a Flood Hazard Boundary Map or Flood lnsurance Rate Map
AS ZONC A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A3O' V1-V3O'
VE, or V,

Page

PCHO-FLD (09/06)

Exhibit A Page 000073

'l of 5

PART ll - PROPERTY, C. Additional Coverage is amended as follows:
The following Additional Coverage is added
Flood

We will pay for physical loss or damage to your house, contents or other permanent
structures including debris removal caused directly

by flood

unless an exclusion applies.

The Flood lnsurance Rate Map (FIRM) in place as of the effective date of the policy or
newal term determines the amount we will pay for a covered loss.

re-

Payment of a Loss
For vour listed reside nce located in a desiqnated B, C or X flood zone eliqible for the
Preferred Risk Proqram of the NFIP:

1.

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$25O,OOO for property damage to your house and other permanent structures. These
payments do not increase the amount of your coverage.

2.

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$1OO,OOO for property damage to your contents located at the covered residence.
These payments do not increase the amount of your coverage.

3.

We will pay up to $250,OOO for Additional Living Expenses, which consist of:

a,

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your household's usual standard of living if your residence is uninhabitable.
Payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere, Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss.
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one (1) year from the date of a covered flood loss'
Forced evacuation - if you are forced to evacuate your residence as a d¡rect result of
loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days.

These payments do not increase the amount of your coverage'
$75,OOO for the extra expense to obey any law or ordinance that regrebuilding or demolition of property damaged by flood. These payulates the repair,
ments do not increase the amount of your coverage,

4.

We will pay up

5

We will pay up to $25,OOO for the expense you incur for a structural engineering inspect¡on to determine whether your house or other permanent structure is safe to occupy;
and, if required. the demolition of your house or other permanent structures when an order of structural condemnation is issued by a public entity. These payments do not increase the amount of Your coverage,

to

Page 2

PCHO-FLD (09/06)

Exhibit A Page 000074

of

5

6

We will pay up to $1O,OOO for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage. Your deductible does not apply to this coverage.

NFIP:

The coverage limits specified below will be reduced by any payments available through the
NFIP policy insuring the residence or if the residence is ineligible for an NFIP policy or
eligible to be written under an NFIP policy but there is no such policy in effect, then we will
pay onty for the amount of loss in excess of the maximum limit that can be insured under
inu frlftp policy. lf we provide broader coverage than the NFIP policy, we will pay the

difference in conditions not

to exceed the limits

defined below whether or not you can

collect on the NFIP policY,
The most we will pay for each occurrence is as follows:

1.

We will pay up to the lesser of $25O,OOO; the "Coverage A - Building Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your house and other permanent structures.

2.

We will pay up to the lesser of $1OO,OOO; the "Coverage B - Personal Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage llm¡t shown on your
Declarations Page for property damage to your contents located at the covered
residence

3.

.

We will pay up to $250,OOO for Additional Living Expenses, which consist of:

a.

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your'household's usual standard of living if your residence is uninhabitable.
payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere. Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss.
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one (1)year from the date of a covered flood loss.
Forced evacuation - if you are forced to evacuate your residence as a direct result
of loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days.

These payments do not increase the amount of your coverage'
Á
.+

5

We will pay up to $75,OOO for the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood. These payments do not increase the amount of your coverage.

We will pay up to $25,OOO for the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy; and, if required, the demolition of your house or other permanent structures when
an order of structural condemnation is issued by a public entity. These payments do not
increase the amount of your coverage.
Page 3 of 5

PCHO-FLD (09/06)

Exhibit A Page 000075

6

We will pay up to 91O,OOO for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage. Your deductible does not apply to this coverage.

PART ll - PROPERTY, D. Exclusions, is amended as follows:

A.

The following exclusion is deleted in its entirety and replaced as follows

1,

Surface and Ground Water Damage
We do not cover any loss caused bY:

a.
b.

Flood, surface water, waves, tidal water overflow of a body of water, or spray from
any of these, whether or not driven by wind; or
Water below the surface of the ground, including water which exerts pressure on'
or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool
or other structure.

This exclusion does not aPPIY to:

a.
b.
c.

Contents away from any residence you own or live at;
Ensuing covered loss unless another exclusion applies; or
Coverage provided under PART ll - PROPERTY. Additional Coverage. Flood.

B. With respect to

1.

Flood coverage, the following exclusions are added:

We do not cover any loss or property damage caused by or resulting from any flood that
is already in progress at the time and date:

a.
b.

the policy term begins; or
coverage is added at your request

lf the flood is due to the overflow of inland or tidal waters, then the flood is considered
to begin when the water first overflows its banks'

2.

We will not pay that part of the loss that is attributable to any Deductible(s) in the NFIP
PolicY.

damage caused by or resulting from earth
movement, such as landslide, slope failure, or a saturated soil mass moving by liquidity
down a slope whether caused directly or indirectly by flood.

3. We do not cover any loss or property

PART lV - CONDITIONS, is amended as follows:

The Other lnsurance provision is deleted and replaced by the following
Other lnsurance
For vour listed residence located in a desiq nated B. C or X flood zone elioible for the
Preferred Risk Prooram of the NFIP or in flood zone D

lf a loss covered by this policy is also covered by other insurance, we will pay only the
proportion of the loss that the limit of liability that applies under this policy bears to the
total amount of insurance covering the loss'

Page 4

PCHO-FLD (09/06)

Exhibit A Page 000076

of

5

X flood zone not eli bl ê for eôverâoe in the Preferred Risk

fam of

the

NFIP

Payments under this coverage are in excess over the payments made by the NFIP
policy. This provision applies whether or not the maximum NFIP limit was obtained or
maintained, and whether or not you can collect on the NFIP policy.

Page 5 of 5

PCHO-FLD (09i06)

Exhibit A Page 000077

Flood Coverage
With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.
As respects the following location;

tu

Flood Zone Assignment:
X

Flood zone B, C, or X
Flood zone A or V
Flood zone D

As respects Flood coverage provided by this endorsement, PART I - DEFINITIONS is amended to
include the following;
Flood means

1. A general

and temporary condition

of partial or complete inundation of normally dry

land

area from:

a. Overflow of inland or tidal waters;
b. Unusual and rapid accumulation or runoff of surface waters from any source; or

c. Mudflow.

2.

Collapse or subsidence of land along the shore of a lake or similar body of water as a result
of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in 1.a. above.

All flooding in a continuous or protracted event will constitute a single flood
Landslide means the rapid movement of a mass of soil downslope along a curved or planar failure
surface, without deformation of the soil structure.

Mudflow means a river of liquid and flowing mud occurring on level or near-level surfaces of normally dry land areas that have not been affected by landslide, as when earth is carried by a current
of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving
by liquidity down a slope, are not mudflows.
National Flood lnsurance Program (NFIP) means the program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the
Code of Federal Regulations, Subchapter B.
Special Flood Hazard Area (SFHA) means an area having special flood, or mudflow, and/or floodrelated erosion hazards, and shown on a Flood Hazard Boundary Map or Flood lnsurance Rate Map
as Zone A, AO, A1-430, AE,499, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-430, V1-V30'
VE. or V.

Page 1 of 5

PCHO-FLD (09/06)

Exhibit A Page 000078

PART ll - PROPERTY. C, Additional Coverage is amended as follows:

The following Additional Coverage is added
Flood

We will pay for physical loss or damage to your house, contents or other permanent
structures including debris removal caused directly

by flood

unless an exclusion applies.

The Flood lnsurance Rate Map (FIRM) in place as of the effective date of the policy or renewal term determines the amount we will pay for a covered loss.
Payment of a Loss
For vour listed residence located in a desiq natecl B. C or X flood zone
Preferred Risk Proqram of the NFIP:

ioible for the

1.

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$25O,OOO for property damage to your house and other permanent structures. These
payments do not increase the amount of your coverage.

2.

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$1OO,OOO for property damage to your contents located at the covered residence.
These payments do not increase the amount of your coverage.

3.

We will pay up to $250,OOO for Additional Living Expenses, which consist of:

a.

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your household's usual standard of living if your residence is uninhabitable.
payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere, Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss.
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one (1)year from the date of a covered flood loss'
Forced evacuation - if you are forced to evacuate your residence as a direct result of
loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days.

These payments do not increase the amount of your coverage.

4.

We will pay up to $75,OOO for the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood. These payments do not increase the amount of your coverage.

b.

We will pay up

to $25,OOO for the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy;
and, if required, the demolition of your house or other permanent structures when an order of structural condemnation is issued by a public entity. These payments do not increase the amount of your coverage.

Page 2

PCHO-FLD (09/06)

Exhibit A Page 000079

of

5

6

We will pay up to $10,000 for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage. Your deductible does not apply to this coverage.

tr^r .,n' ¡¡ lic+a¡l

-^^ ii ^

oraB.CorXfloodz

ê-^^i

ft^^l
-^^
Flood Ha -^'.1 lltaa
e not elioible for coveraqe in the Preferred Risk Prooram of the

nce located in

j

^t

eD

NFIP:

The coverage limits specified below will be reduced by any payments available through the
NFIP policy insuring the residence or if the residence is ineligible for an NFIP policy or
eligible to be written under an NFIP policy but there is no such policy in effect, then we will
pay only for the amount of loss in excess of the maximum limit that can be insured under
the NFIP policy, lf we provide broader coverage than the NFIP policy, we will pay the

difference in conditions not

to exceed the limits

defined below whether or not you can

collect on the NFIP policy.
The most we will pay for each occurrence is as follows:

1.

We will pay up to the lesser of $25O,OOO; the "Coverage A - Building Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your house and other permanent structures.

2.

We will pay up to the lesser of $1OO,OOO; the "Coverage B - Personal Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your contents located at the covered
residence

3.

,

We will pay up to $250,OOO for Additional Living Expenses, which consist of:

a.

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your household's usual standard of living if your residence is uninhabitable'
Payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere. Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss.
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one (1)year from the date of a covered flood loss'
Forced evacuation - if you are forced to evacuate your residence as a direct result
of loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to ma¡ntain your household's
normal standard of living for up to thirty (30) days'

These payments do not increase the amount of your coverage.

4.

We will pay up to $75,OOO for the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood. These payments do not increase the amount of your coverage.

b.

We will pay up to $25,OOO for the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy; and, if required, the demolition of your house or other permanent structures when
an order of structural condemnation is issued by a public entity, These payments do not
increase the amount of your coverage.
Page 3

PCHO-FLD (09/06)

Exhibit A Page 000080

of

5

6.

We will pay up to $10,000 for the expense you incur to protect your resídence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage. Your deductible does not apply to this coverage.

PART ll - PROPERTY, D, Exclusions, is amended as follows:

A. The following
1.

exclusion is deleted in its entirety and replaced as follows:

Surface and Ground Water Damage
We do not cover any loss caused by:

a.
b.

Flood, surface water, waves, tidal water overflow of a body of water, or spray from
any of these, whether or not driven by wind; or
Water below the surface of the ground, including water which exerts pressure on,
or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool
or other structure.

This exclusion does not apply to

a.
b.
c.

Contents away from any residence you own or live at;
Ensuing covered loss unless another exclusion applies; or
Coverage provided under PART ll - PROPERTY, Additional Coverage. Flood.

B. With respect to

1.

Flood coverage, the following exclusions are added

We do not cover any loss or property damage caused by or resulting from any flood that
is already in progress at the time and date:

a.
b.

the policy term begins; or
coverage is added at your request

lf the flood is due to the overflow of inland or tidal waters, then the flood is considered
to begin when the water first overflows its banks'

2.

We will not pay that part of the loss that is attributable to any Deductible(s) in the NFIP
policy.

damage caused by or resulting from earth
movement, such as landslide, slope failure, or a saturated soil mass moving by liquidity
down a slope whether caused directly or indirectly by flood.

3. We do not cover any loss or property

PART lV - CONDITIONS, is amended as follows:

The Other lnsurance provision is deleted and replaced by the following
Other lnsurance
en

Preferred Risk Proqram of

located in a
e NFIP or in flood zone D

X

od

zone

lf a loss covered by this policy is also covered by other insurance, we will pay only

the

proportion of the loss that the lim¡t of liability that applies under this policy bears to the
total amount of insurance covering the loss.

Page 4

PCHO-FLD (09/06)

Exhibit A Page 000081

of

5

:

Payments under this coverage are in excess over the payments made by the NFIP
policy. This provision applies whether or not the maximum NFIP limit was obtained or
maintained, and whether or not you can collect on the NFIP policy'

Page 5 of 5

PCHO-FLD (09/06)

Exhibit A Page 000082

Flood Coverage
With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.
As respects the following location:

Flood Zone Assignment:
X

Flood zone B, C, or X
Flood zone A or V
Flood zone D

As respects Flood coverage provided by this endorsement, PART I - DEFINITIONS is amended to
include the following:

Flood means

1, A general and temporary

condition

of partial or complete inundation of normally dry

land

area from:
a. Overflow of inland or tidal waters;
b. Unusual and rapid accumulation or runoff of surface waters from any source; or

c. Mudflow.

2.

Collapse or subsidence of land along the shore of a lake or similar body of water as a result
of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in 1.a. above.

All flooding in a continuous or protracted event will constitute a single flood.
Landslide means the rapid movement of a mass of soil downslope along a curved or planar failure
surface, without deformation of the soil structure.

Mudflow means a river of liquid and flowing mud occurring on level or near-level surfaces of normally dry land areas that have not been affected by landslide, as when earth is carried by a current
of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving
by liquidity down a slope, are not mudflows.
National Flood lnsurance Program (NFIP) means the program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the
Code of Federal Regulations, Subchapter B.
Special Flood Hazard Area (SFHAI means an area having special flood, or mudflow, and/or floodrelated erosion hazards, and shown on a Flood Hazard Boundary Map or Flood lnsurance Rate Map
AS ZONE A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-430, V1-V3O'
VE, or V.

Page 1 of 5

PCHO-FLD (09/06)

Exhibit A Page 000083

PART ll - PROPERTY, C. Additional Coverage is amended as follows

The following Additional Coverage is added
Flood

We will pay for physical loss or damage to your house, contents or other permanent
structures including debris removal caused directly

by flood

unless an exclusion applies.

The Flood lnsurance Rate Map (FIRM) in place as of the effective date of the policy or
newal term determines the amount we will pay for a covered loss'

re-

Payment of a Loss
For vorrr listed reside nca lncated n a desionated B- C or X flood zone elioihle for the
Preferred Risk Proqram of the NFIP:

.

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$25O,OOO for property damage to your house and other permanent structures, These
payments do not increase the amount of your coverage.

2.

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$ l OO,OOO for property damage to your contents located at the covered residence'
These payments do not increase the amount of your coverage.

3.

We will pay up to $250,000 for Additional Living Expenses, which consist of:

1

a.

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your household's usual standard of living if your residence is uninhabitable'
Payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere. Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss.
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one (1) year from the date of a covered flood loss.
Forced evacuation - if you are forced to evacuate your residence as a direct result of
loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days.

These payments do not increase the amount of your coverage.

4.

We will pay up to $75,000 for the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood. These payments do not increase the amount of your coverage.

5.

We will pay up to $25,OOO for the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy;
and, if required, the demolition of your house or other permanent structures when an order of structural condemnation is issued by a public entity, These payments do not increase the amount of your coverage.

Page 2

PCHO-FLD (09/06)

Exhibit A Page 000084

of

5

We will pay up to $1O,OOO for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage. Your deductible does not apply to this coverage

f)

Area flo

residence loc

oraB.CorX

flood zone not elioible for

aoe in the Preferred Risk

ram of the

NFIP:

The coverage limits specified below will be reduced by any payments available through the
NFIP policy insuring the residence or if the residence is ineligible for an NFIP policy or
eligible to be writteñ under an NFIP policy but there is no such policy in effect, then we will
pay onty for the amount of loss in excess of the maximum limit that can be insured under
if'" ruflp policy, lf we provide broader coverage than the NFIP policy, we will pay the

difference in conditions not

to exceed the limits defined below whether or not you can

collect on the NFIP policy,
The most we will pay for each occurrence is as follows:

1.

We will pay up to the lesser of $25O,OOO; the "Coverage A - Building Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your house and other permanent structures '

2.

We will pay up to the lesser of $1OO,O0O; the "Coverage B - Personal Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your contents located at the covered
residence

3.

.

We will pay up to $25O,OOO for Additional Living Expenses, which consist of:
a

b

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain yãur household's usual standard of living if your residence is uninhabitable.
payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewheie. Extra living expense payment will be made up to a maximum of one ('l )
year from the date of a covered flood loss'
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one (1)year from the date of a covered flood loss'
Forced evacuation - if you are forced to evacuate your residence as a direct result
of loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days.

These payments do not increase the amount of your coverage.
4

5

We will pay up to $75,OOO for the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood. These payments do not increase the amount of your coverage.

We will pay up to $25,OOO for the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy; and, if required, the demolition of your house or other permanent structures when
an order of structural condemnation is issued by a public entity. These payments do not
increase the amount of your coverage'
Page 3

PCHO-FLD (09/06)

Exhibit A Page 000085

of

5

6.

We will pay up to $1O,OOO for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage. Your deductible does not apply to this coverage.

PART ll - PROPERTY, D, Exclusions, is amended as follows:

A. The following
1

.

exclusion is deleted in its entirety and replaced as follows:

Surface and Ground Water Damage
We do not cover any loss caused bY:

a.
b.

Flood, surface water, waves, tidal water overflow of a body of water, or spray from
any of these, whether or not driven by wind; or
Water below the surface of the ground, including water which exerts pressure on'
or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool
or other structure.

This exclusion does not aPPIY to:

a.
b.
c.

Contents away from any residence you own or live at;
Ensuing covered loss unless another exclusion applies; or
coverage provided under PART ll - PRoPERTY, Additional coverage.

Flood

B. With respect to Flood coverage, the following exclusions are added:
1

.

We do not cover any loss or property damage caused by or resulting from any flood that
is already in progress at the time and date:

a.
b.

the policy term begins; or
coverage is added at your request

lf the flood is due to the overflow of inland or tidal waters, then the flood is considered
to begin when the water first overflows its banks.

2.

We will not pay that part of the loss that is attributable to any Deductible(s) in the NFIP
policy,

damage caused by or resulting from earth
movement, such as landslide, slope failure, or a saturated soil mass moving by liquidity
down a slope whether caused directly or indirectly by flood'

3. We do not cover any loss or property

PART lV - CONDITIONS, is amended as follows:

The Other lnsurance provision is deleted and replaced by the following
Other lnsurance

in a desiqnated B, C or X flood zone eliq
residence locat
Preferred Risk Prooram of the NFIP or in flood zone D:
For vour

I

for the

lf a loss covered by this policy is also covered by other insurance, we will pay only the
proportion of the loss that the limit of liability that applies under this policy bears to the
total amount of insurance covering the loss.

Page 4

PCHO-FLD (09/06)

Exhibit A Page 000086

of

5

X flood zone n ot elioible for coveraoe

in

the Preferred Risk Proqram of

the

NFIP

Payments under this coverage are in excess over the payments made by the NFIP
policy. This provision applies whether or not the maximum NFIP limit was obtained or
maintained, and whether or not you can collect on the NFIF policy.

Page 5 of 5

PCHO-FLD (09/06)

Exhibit A Page 000087

Flood Coverage
With respect to coverage provided by this endorsement. all provisions and conditions of the policy
apply unless they are changed by this endorsement.
As respects the following location:

Flood Zone Assignment
X

Flood zone B, C, or X
Flood zone A or V
Flood zone D

As respects Flood coverage provided by this endorsement, PART I - DEFINITIONS is amended to
include the following:
Flood means:

1. A general

and temporary condition of partial or complete inundation

of normally dry

land

area f rom:

a. Overflow of inland or tidal waters;
b. Unusual and rapid accumulation or runoff of surface waters from any source; or

c. Mudflow,

2.

Collapse or subsidence of land along the shore of a lake or similar body of water as a result
of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in 1.a. above.

All flooding in a continuous or protracted event will constitute a single flood.
Landslide means the rapid movement of a mass of soil downslope along a curved or planar failure
surface, without deformation of the soil structure'

Mudflow means a river of liquid and flowing mud occurring on level or near-level surfaces of normally dry land areas that have not been affected by landslide, as when earth is carried by a current
of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving
by liquidity down a slope, are not mudflows.
National Flood lnsurance Program (NFIP) means the program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the
Code of Federal Regulations, Subchapter

B.

Special Flood Hazard Area (SFHA) means an area having special flood, or mudflow, and/or floodrelated erosion hazards, and shown on a Flood Hazard Boundary Map or Flood lnsurance Rate Map
AS ZONE A, AO, A1-A30, AE, A99, AH, AR. AR/A, AR/AE, AR/AH, AR/AO, AR/A1.A30. V1-V3O'
VE, or V.

Page 1 of 5

PCHO-FLD (09/06)

Exhibit A Page 000088

PART ll - PROPERTY, C. Additional Coverage is amended as follows

The following Additional Coverage is added
Flood

We will pay for physical loss or damage to your house, contents or other permanent
structures including debris removal caused directly

by flood

unless an exclusion applies.

The Flood lnsurance Rate Map (FIRM) in place as of the effective date of the policy or
newal term determines the amount we will pay for a covered loss.

re-

Payment of a Loss
For vour li

Preferred Risk

in a desionated B.

residence
P

ram of

the

C

or X flood zone eliq le for fhe

NFIP:

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$25O,OOO for property damage to your house and other permanent structures' These
payments do not increase the amount of your coverage.
2

3

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$1OO,OOO for property damage to your contents located at the covered residence.
These payments do not increase the amount of your coverage'
We will pay up to $250,OOO for Additional Living Expenses, which consist of:

a.

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain yãur household's usual standard of living if your residence is uninhabitable.
payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere. Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss'
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one ('l ) year from the date of a covered flood loss.
Forced evacuation - if you are forced to evacuate your residence as a direct result of
loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days.

These payments do not increase the amount of your coverage.

4.

We will pay up to $75,OOO for the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood' These payments do not increase the amount of your coverage'

b.

We will pay up to $25,OOOfor the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy;
and, if required, the demolition of your house or other permanent structures when an order of structural condemnation is issued by a public entity, These payments do not increase the amount of your coverage.

Page 2

PCHO-FLD (09/06)

Exhibit A Page 000089

of

5

6

We will pay up to $1O,OOO for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage. Your deductible does not apply to this coverage.

NFIP:

The coverage limits specified below will be reduced by any payments available through the
NFIP policy insuring the residence or if the residence is ineligible for an NFIP policy or
eligible to be writteà under an NFIP policy but there is no such policy in effect, then we will
pay only for the amount of loss in excess of the maximum limit that can be insured under
if'" ruflp policy. lf we provide broader coverage than the NFIP policy, we will pay the

difference in conditions not
collect on the

to exceed the limits

defined below whether or not you can

NFIP policY.

The most we will pay for each occurrence is as follows:

1.

We will pay up to the lesser of $25O,OOO; the "Coverage A - Building Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your house and other permanent structures.

2.

We will pay up to the lesser of $1OO,OOO; the "Coverage B - Personal Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your contents located at the covered
residence

3,

.

We will pay up to $25O,OOO for Additional Living Expenses, which consist of:

a,

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your'household's usual standard of living if your residence is uninhabitable'
payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere. Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss.
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one (1) year from the date of a covered flood loss'
Forced evacuation - if you are forced to evacuate your residence as a direct result
of loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days'

These payments do not increase the amount of your coverage'

4.

We will pay up to $75,OOO for the extra expense to obey any law or ordinance that reg-

ulates the repair, rebuilding or demolition of property damaged by
ments do not increase the amount of your coverage.

flood'

These pay-

$25,OOO for the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy; and, if required, the demolition of your house or other permanent structures when
an order of structural condemnation is issued by a public entity. These payments do not
increase the amount of your coverage.

S. We will pay up to

Page 3

PCHO-FLD (09/06)

Exhibit A Page 000090

of

5

6.

We will pay up to $1O,OOO for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage. Your deductible does not apply to this coverage.

PART ll - PROPERTY, D. Exclusions, is amended as follows

A. The following
1.

exclusion is deleted in its entirety and replaced as follows

Surface and Ground Water Damage
We do not cover any loss caused

a.
b.

bY:

Flood, surface water, waves, tidal water overflow of a body of water, or spray from
any of these, whether or not driven by wind; or
Water below the surface of the ground, including water which exerts pressure on,
or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool
or other structure.

This exclusion does not aPPIY to:

a.
b.
c.

Contents away from any residence you own or live at;
Ensuing covered loss unless another exclusion applies; or
Coverage provided under PART ll - PROPERTY, Additional Coverage. Flood'

B. With respect to Flood coverage, the following exclusions

1.

are added:

We do not cover any loss or property damage caused by or resulting from any flood that
is already in progress at the time and date:

a.
b.

the PolicY term begins; or
coverage is added at your request

lf the flood is due to the overflow of inland or tidal waters, then the flood is cons¡dered
to begin when the water first overflows its banks.

2,

We will not pay that part of the loss that is attributable to any Deductible(s) in the NFIP
policy.

caused by or resulting from earth
movement, such as landslide, slope failure, or a saturated soil mass moving by liquidity
down a slope whether caused directly or indirectly by flood.

3. We do not cover any loss or property damage

PART lV - CONDITIONS, is amended as follows:

The other lnsurance provision is deleted and replaced by the following
Other lnsurance

For vour listed residence located in a desiq nated B. C or X flood zone elioible for the
Prooram of the NFIP or in flood zone D
Preferred Ri
insurance, we will pay only the
proportion of the loss that the limit of liability that applies under this policy bears to the
total amount of insurance covering the loss.

lf a loss covered by this policy is also covered by other

Page

PCHO-FLD (09/06)

Exhibit A Page 000091

4 of

5

Payments under this coverage are in excess over the payments made by the NFIP
policy. This provision applies whether or not the maximum NFIP limit was obtained or
maintained, and whether or not you can collect on the NFIP policy.

Page 5

PCHO-FLD (09/06)

Exhibit A Page 000092

of

5

Flood Coverage
With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.
As respects the following location:

Flood Zone Assignment
X

Flood zone B, C, or X
Flood zone A or V
Flood zone D

As respects Flood coverage provided by this endorsement, PART

l-

DEFINITIONS

is amended to

include the following:
Flood means
'l

. A general and temporary

condition of partial or complete inundation of normally dry land

area from:

a. Overflow of inland or tidal waters;
b. Unusual and rapid accumulation or runoff of surface waters from any source; or

c. Mudflow.

2.

Collapse or subsidence of land along the shore of a lake or similar body of water as a result
of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in 1.a. above'

All flooding in a continuous or protracted event will constitute a single flood.
Landslide means the rapid movement of a mass of soil downslope along a curved or planar failure
surface, without deformation of the soil structure'

Mudflow means a river of liquid and flowing mud occurring on level or near-level surfaces of normally dry land areas that have not been affected by landslide, as when earth is carried by a current
of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving
by liquidity down a slope, are not mudflows.
National Flood lnsurance Program (NFIP) means the program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the
Code of Federal Regulations, Subchapter B,

Special Flood Hazard Area (SFHA) means an area having special flood, or mudflow, and/or floodrelated erosion hazards, and shown on a Flood Hazard Boundary Map or Flood lnsurance Rate Map
AS ZONE A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A3O' V1-V3O'
VE, or V.

Page 1 of 5

PCHO-FLD (09/06)

Exhibit A Page 000093

PART ll - PROPERTY, C. Additional Coverage is amended as follows

The following Additional Coverage is added
Flood

We will pav for physical loss or damage to your house, contents or other permanent
structures including debris removal caused directly

by flood

unless an exclusion applies.

The Flood lnsurance Rate Map (FIRM) in place as of the effective date of the policy or
newal term determines the amount we will pay for a covered loss.

re-

Payment of a Loss:
located in a desionated B, C or X flood zone elioible for the
For vour listed resid
oram of the NFIP
Preferred Risk Pro

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$250,OOO for property damage to your house and other permanent structures. These
payments do not increase the amount of your coverage'
2

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$1OO,OOO for property damage to your contents located at the covered residence,
These payments do not increase the amount of your coverage.

3

We will pay up to $250,OOO for Additional Living Expenses, which consist of:

a.

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your household's usual standard of living if your residence is uninhabitable'
Payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a hab¡table condition or for your household to relocate
elsewhere. Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss.
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition, Fair rental value payments will be made up
to a maximum of one (1)year from the date of a covered flood loss'
Forced evacuation - if you are forced to evacuate your residence as a direct result of
loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days.

These payments do not increase the amount of your coverage.

4.

We will pay up to $75,OOO for the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood. These payments do not increase the amount of your coverage.

b.

We will pay up to $25,OOO for the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy;
and, if required, the demolition of your house or other permanent structures when an order of structural condemnation is issued by a public entity. These payments do not increase the amount of your coverage'

Page 2

PCHO-FLD (09/06)

Exhibit A Page 000094

of

5

6

We will pay up to $1O,OOO for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage, Your deductible does not apply to this coverage.

For vour listed residence located in a desiqna d Soecial Flood Hazard Area . flood zone D.
am of the
flood zone not elioible for cover aoe in the Preferred Risk P

oraB.CorX
NFIPr

The coverage limits specified below will be reduced by any payments available through the
NFIP policy insuring the residence or if the residence is ineligible for an NFIP policy or
eligible to be written under an NFIP policy but there is no such policy in effect, then we will
pay only for the amount of loss in excess of the maximum llmit that can be insured under
if'" ruftp policy. lf we provide broader coverage than the NFIP policy, we will pay the

difference in conditions not

to

exceed the limits defined below whether or not you can

collect on the NFIP policy.
The most we will pay for each occurrence is as follows:

1.

We will pay up to the lesser of $25O,OOO; the "Coverage A - Building Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your house and other permanent structures '

2.

We will pay up to the lesser of $1OO,OOO; the "Coverage B - Personal Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your contents located at the covered
residence

3.

.

We will pay up to $25O,OOO for Additional Living Expenses, which consist of:

a.

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your'household's usual standard of living if your residence is uninhabitable.
payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere. Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss,
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition, Fair rental value payments will be made up
to a maximum of one (1)year from the date of a covered flood loss.
Forced evacuation - if you are forced to evacuate your residence as a direct result
of loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days.

These payments do not increase the amount of your coverage.
4

5

We will pay up to $75,OOOfor the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood' These payments do not increase the amount of your coverage'

We will pay up to $25,OOO for the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy; and, if required, the demolition of your house or other permanent structures when
an order of structural condemnation is issued by a public entity. These payments do not
increase the amount of your coverage.
Page 3

PCHO-FLD (09/06)

Exhibit A Page 000095

of

5

We will pay up to $1O,OOO for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage. Your deductible does not apply to th¡s coverage.

6

PART ll - PROPERTY, D. Exclusions, is amended as follows

A.

The following exclusion is deleted in its ent¡rety and replaced as follows
1

.

Surface and Ground Water Damage
We do not cover any loss caused bY:

a.
b.

Flood, surface water, waves, tidal water overflow of a body of water, or spray from
any of these, whether or not driven by wind; or
Water below the surface of the ground, including water which exerts pressure on,

or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool
or other structure.

This exclusion does not aPPIY to:

a.
b.
c.
B. With
j

.

Contents away from any residence you own or live at;
Ensuing covered loss unless another exclusion applies; or
coverage provided under PART ll - PROPERTY. Additional coverage

respect

to Flood

Flood.

coverage, the following exclusions are added:

We do not cover any loss or property damage caused by or resulting from any flood that
is already in progress at the time and date:

a.
b.

the policy term begins; or
coverage is added at your request

lf the flood is due to the overflow of inland or tidal waters, then the flood is considered
to begin when the water first overflows its banks.

2.

We will not pay that part of the loss that is attributable to any Deductible(s) in the NFIP
policy.

damage caused by or resulting from earth
movement, such as landslide. slope failure, or a saturated soil mass moving by liquidity
down a slope whether caused directly or indirectly by flood'

3. We do not cover any loss or property

PART lV - CONDITIONS, is amended as follows:

The Other lnsurance provision is deleted and replaced by the following:
Other lnsurance

tna
Preferred

R

Prooram of

the

rXfl

ible

NFIP or in flood zone D

covered by this policy is also covered by other insurance, we will pay only the
proportion of the loss thai the limit of liability that applies under this policy bears to the
total amount of insurance covering the loss.

lf a loss

Page 4

PCHO-FLD (09/06)

Exhibit A Page 000096

of

5

:

Payments under this coverage are in excess over the payments made by the NFIP
policy. This provision applies whether or not the maximum NFIP limit was obtained or
maintained, and whether or not you can collect on the NFIP policy.

Page 5

PCHO-FLD (09/06)

Exhibit A Page 000097

of

5

Flood Coverage
With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.
As respects the following location

Flood Zone Assignment
X

Flood zone B, C, or X
Flood zone A or V
Flood zone D

As respects Flood coverage provided by this endorsement, PART I - DEFINITIONS is amended to
include the following:
Flood means:

1. A general

and temporary condition

of partial or complete inundation of normally dry

land

area from:

a. Overflow of inland or tidal waters;
b. Unusual and rapid accumulation or runoff of surface waters from any source; or

c. Mudflow.

2.

Collapse or subsidence of land along the shore of a lake or similar body of water as a result
of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in 1.a. above.

All flooding in a continuous or protracted event will constitute a single flood.
Landslide means the rapid movement of a mass of soil downslope along a curved or planar failure
surface, without deformation of the soil structure'

Mudflow means a river of liquid and flowing mud occurring on level or near-level surfaces of normally dry land areas that have not been affected by landslide, as when earth is carried by a current
of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving
by liquidity down a slope, are not mudflows.
National Flood lnsurance Program (NFIP) means the program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 ol lhe
Code of Federal Regulations, Subchapter B'
Special Flood Hazard Area (SFHA) means an area having special flood, or mudflow, and/or floodrelated erosion hazards, and shown on a Flood Hazard Boundary Map or Flood lnsurance Rate Map
AS ZONC A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/41-A3O' V1-V3O'
VE, or V.

Page 1 of 5

PCHO-FLD (09/06)

Exhibit A Page 000098

PART ll - PROPERTY, C. Additional Coverage is amended as follows

The following Additional Coverage is added
Flood

We will pay for physical loss or damage to your house, contents or other permanent
structures including debris removal caused directly

by flood

unless an exclusion applies.

The Flood lnsurance Rate Map (FIRM) in place as of the effective date of the policy or
newal term determines the amount we will pay for a covered loss'

re-

Payment of a Loss
located in a clesionated B. C or X flood zone elioible for the
For vour listed
of the NFIP:
Preferred Risk Proqram

.

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$25O,OOO for property damage to your house and other permanent structures. These
payments do not increase the amount of your coverage.

2.

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$1OO,OOO for property damage to your contents located at the covered residence.
These payments do not increase the amount of your coverage.

3.

We will pay up to $250,O00 for Additional Living Expenses, which consist of:

1

a.

b.

c,

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your household's usual standard of living if your residence is uninhabitable.
Payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere. Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss'
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one (1)year from the date of a covered flood loss.
Forced evacuation - if you are forced to evacuate your residence as a direct result of
loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days.

These payments do not increase the amount of your coverage'

4.

We will pay up to $75,000 for the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood. These payments do not increase the amount of your coverage.

5.

We will pay up to $25,0O0 for the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy;
and, if required, the demolition of your house or other permanent structures when an order of structural condemnation is issued by a public entity. These payments do not increase the amount of Your coverage,

Page 2

PCHO-FLD (09/06)

Exhibit A Page 000099

of

5

We will pay up to $ 1O,OOO for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage. Your deductible does not apply to this coverage.

6

tr^/ i,^' ¡r lic+a¡|
ô

raB Cor

nce located

X flood

z

i^

¡ ¡laoiana+

J

ê^^^i

al Flood u^-â,r.1 ^rôã

¡t^^l

zone

D

e nnt elinihle for cov eraoe in the Preferred Risk Prooram of the

NFIP:

The coverage limits specified below will be reduced by any payments ava¡lable through the
NFIP policy insuring the residence or if the residence is ineligible for an NFIP policy or
eligible to be written under an NFIP policy but there is no such policy in effect, then we will
pay only for the amount of loss in excess of the maximum limit that can be insured under
the NFIP policy, lf we provide broader coverage than the NFIP policy, we will pay the

difference in conditions not

to

exceed the limits defined below whether or not you can

collect on the NFIP policy.
The most we will pay for each occurrence is as follows:

1,

We will pay up to the lesser of $25O,OOO; the "Coverage A - Building Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your house and other permanent structures.

2.

We will pay up to the lesser of $1OO,OOO; the "Coverage B - Personal Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your contents located at the covered
residence

3.

.

We will pay up to $250,OOO for Additional Living Expenses, which consist of:

a.

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your household's usual standard of living if your residence is uninhabitable.
Payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere. Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss.
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one (1)year from the date of a covered flood loss.
Forced evacuation - if you are forced to evacuate your residence as a direct result
of loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days.

These payments do not increase the amount of your coverage.
4

5

We will pay up to $75,OOO for the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood. These payments do not increase the amount of your coverage.

We will pay up to $25,OOO for the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy; and, if required, the demolition of your house or other permanent structures when
an order of structural condemnation is issued by a public entity. These payments do not
increase the amount of your coverage.
Page 3

PCHO-FLD (09/06)

Exhibit A Page 000100

of

5

6.

We will pay up to $10,000 for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage. Your deductible does not apply to this coverage'

PART ll - PROPERTY, D. Exclusions, is amended as follows:

A.

The following exclusion is deleted in its entirety and replaced as follows:

1.

Surface and Ground Water Damage
We do not cover any loss caused

a.
b.

bY:

Flood, surface water, waves, tidal water overflow of a body of water, or spray from
any of these, whether or not driven by wind; or
Water below the surface of the ground, including water which exerts pressure on,
or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool
or other structure.

This exclusion does not apply to:

a.
b.
c.

Contents away from any residence you own or live at;
Ensuing covered loss unless another exclusion applies; or
Coverage provided under PART ll - PROPERTY. Additional Coverage. Flood'

B. With respect to

1.

Flood coverage, the following exclusions are added:

We do not cover any loss or property damage caused by or resulting from any flood that
is already in progress at the time and date:

a.
b.

the policy term begins; or
coverage is added at your request

lf the flood is due to the overflow of inland or tidal waters, then the flood is considered
to begin when the water first overflows its banks.

2.

We will not pay that part of the loss that is attributable to any Deductible(s) in the NFIP
policy.

3. We do not cover any loss or property damage caused by or resulting from

earth

movement. such as landslide, slope failure, or a saturated soil mass moving by liquidity
down a slope whether caused directly or indirectly by flood'

PART lV - CONDITIONS, is amended as follows:

The Other lnsurance provision is deleted and replaced by the following
Other lnsurance
For vour listed resid
Preferred Risk Proqram of

located in a desiqnated B, C or X flood zone elioible for the
e NFIP or in flood zone D
:

insurance, we will pay only the
proportion of the loss that the limit of liability that applies under this policy bears to the
total amount of insurance covering the loss.

lf a loss covered by this policy is also covered by other

Page 4

PCHO-FLD (09/06)

Exhibit A Page 000101

of

5

:

Payments under this coverage are in excess over the payments made by the NFIP
policy, This provision applies whether or not the maximum NFIP limit was obtained or
maintained, and whether or not you can collect on the NFIP policy.

Page 5 of 5

PCHO-FLD (09/06)

Exhibit A Page 000102

Flood Coverage
With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement'
As respects the following location:

Flood Zone Assignment
X

Flood zone B, C, or X
Flood zone A or V
Flood zone D

As respects Flood coverage provided by this endorsement, PART

l-

DEFINITIONS

is amended to

include the following:
Flood means:
1

. A general and temporary

condition

of partial or complete inundation of normally dry

land

area from:

a. Overflow of inland or tidal waters;
b. Unusual and rapid accumulation or runoff of surface waters from any source; or

c. Mudflow.

2.

Collapse or subsidence of land along the shore of a lake or similar body of water as a result
of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in 1.a, above'

All flooding in a continuous or protracted event will constitute a single flood'
Landslide means the rapid movement of a mass of soil downslope along a curved or planar failure
surface, without deformation of the soil structure'

Mudflow means a river of liquid and flowing mud occurring on level or near-level surfaces of normally dry land areas that have not been affected by landslide, as when earth is carried by a current
of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving
by liquidity down a slope, are not mudflows.
National Flood lnsurance Program (NFIP) means the program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of lhe
Code of Federal Regulations, Subchapter B.

Special Flood Hazard Area (SFHA) means an area having special flood, or mudflow, and/or floodrelated erosion hazards, and shown on a Flood Hazard Boundary Map or Flood lnsurance Rate Map
AS ZONC A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A3O' V1-V3O'
VE. or V.

Page 1 of 5

PCHO-FLD (09/06)

Exhibit A Page 000103

PART ll - PROPERTY, C, Additional Coverage is amended as follows:

The following Additional Coverage is added
Flood

We will pay for physical loss or damage to your house, contents or other permanent
structures including debris removal caused directly

by flood

unless an exclusion applies.

The Flood lnsurance Rate Map (FIRM) in place as of the effective date of the policy or renewal term determines the amount we will pay for a covered loss.
Payment of a Loss
For vour listed residence located in a desi
ram of the NFIP
Preferred Risk

ated B. C or X flood zone e lioible for the

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
$25O,OOO for property damage to your house and other permanent structures' These
payments do not increase the amount of your coverage'
2

3

We will pay up to the lesser of the coverage limit shown on your Declarations Page or
residence'
$'1 OO,OOO for property damage to your contents located at the covered
payments do not increase the amount of your coverage.
These
We will pay up to $250,OOO for Additional Living Expenses, which consist of:

a.

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your household's usual standard of living if your residence is uninhabitable.
payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere. Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss.
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one (1)year from the date of a covered flood loss.
Forced evacuation - if you are forced to evacuate your residence as a direct result of
loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days'

These payments do not increase the amount of your coverage.
4

5

We will pay up to $75,OOO for the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood' These payments do not increase the amount of your coverage,
$25,OOO for the expense you incur for a structural engineering inspecwhether your house or other permanent structure is safe to occupy;
tion to determine
and, if required, the demolition of your house or other permanent structures when an order of structural condemnation is issued by a public ent¡ty. These payments do not increase the amount of your coverage'

We will pay up

to

Page 2

PCHO-FLD (09/06)

Exhibit A Page 000104

of

5

6

We will pay up to $ 1O,OOO for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage, Your deductible does not apply to thls coverage.
rd Area
est nated
nram nf the
flnnd znn e not eli oihle for cov êr A ñp in the Preferred Risk

r listed resi

oraB-CorX
NFIP

The coverage limits specified below will be reduced by any payments available through the
NFIP policy insuring the residence or if the residence is ineligible for an NFIP policy or
eligible to be written under an NFIP policy but there is no such policy in effect, then we will
pay only for the amount of loss in excess of the maximum limit that can be insured under
if'u ruftp policy. lf we provide broader coverage than the NFIP policy, we will pay the
difference in conditions not to exceed the limits defined below whether or not you can
collect on the NFIP policy.
The most we will pay for each occurrence is as follows:

1.

We will pay up to the lesser of $25O,OOO; the "Coverage A - Building Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page for property damage to your house and other permanent structures.

2.

We will pay up to the lesser of $1OO,OOO; the "Coverage B - Personal Property Limit"
listed on the most recent NFIP Declarations Page; or the coverage limit shown on your
Declarations Page f or property damage to your contents located at the covered
residence

3.

.

We will pay up to $250,OOO for Additional Living Expenses, which consist of:

a.

b.

c.

Extra living expenses - the reasonable increase in living expenses incurred by you to
maintain your'household's usual standard of living if your residence is uninhabitable'
payment will continue for the shortest reasonable amount of time necessary to
restore your residence to a habitable condition or for your household to relocate
elsewhere. Extra living expense payment will be made up to a maximum of one (1)
year from the date of a covered flood loss.
Loss of fair rental value - if you are not able to rent out your residence, or part of
your residence, that you usually rent to others, we will pay the fair rental value for
the reasonable amount of time necessary to restore your residence or that part of
your residence to a habitable condition. Fair rental value payments will be made up
to a maximum of one (1)year from the date of a covered flood loss.
Forced evacuation - if you are forced to evacuate your residence as a direct result
of loss or a reasonable threat of loss due to flood, we will reimburse you for the
reasonable increase in your living expenses necessary to maintain your household's
normal standard of living for up to thirty (30) days'

These payments do not increase the amount of your coverage.
4

5

We will pay up to $75,OOOfor the extra expense to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by flood' These payments do not increase the amount of your coverage.

We will pay up to $25,OOO for the expense you incur for a structural engineering inspection to determine whether your house or other permanent structure is safe to occupy; and, if required, the demolition of your house or other permanent structures when
an order of structural condemnation is issued by a public entity. These payments do not
increase the amount of your coverage.
Page 3

PCHO-FLD (09/06)

Exhibit A Page 000105

of

5

6.

We will pay up to $10,000 for the expense you incur to protect your residence from a
flood or imminent danger of flood. These payments do not increase the amount of your
coverage, Your deductible does not apply to this coverage.

PART ll - PROPERTY, D. Exclusions, is amended as follows:

A.

The following exclusion is deleted in its entirety and replaced as follows
1

.

Surface and Ground Water Damage
We do not cover any loss caused bY:

a.
b.

Flood, surface water, waves, tidal water overflow of a body of water, or spray from
any of these, whether or not driven by wind; or
Water below the surface of the ground, including water which exerts pressure on,
or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool
or other structure.

This exclusion does not aPPIY to:

a.
b.
c.

Contents away from any residence you own or live at;
Ensuing covered loss unless another exclusion applies; or
Coverage provided under PART ll - PROPERTY, Additional Coverage. Flood'

B. With respect to

1.

Flood coverage, the following exclusions are added:

We do not cover any loss or property damage caused by or resulting from any flood that
is already in progress at the time and date:

a,
b.

the policy term begins; or
coverage is added at your request

lf the flood is due to the overflow of inland or tidal waters, then the flood is considered
to begin when the water first overflows its banks.

2.

We will not pay that part of the loss that is attributable to any Deductible(s) in the NFIP
policy,

3. We do not cover any loss or property damage caused by or resulting from

earth

movement, such as landslide, slope failure, or a saturated soil mass moving by liquidity
down a slope whether caused directly or indirectly by flood.

PART lV - CONDITIONS, is amended as follows

The Other lnsurance provision is deleted and replaced by the following
Other lnsurance
residen
Preferred

R

nated

Prooram of the NFIP or in flood zone

B
D

ne eli

bt

lf a loss covered by this policy is also covered by other insurance, we will pay only the

proportion of the loss that the limit of liability that applies under this policy bears
total amount of insurance covering the loss.

to

Page 4

PCHO-FLD (09/06)

Exhibit A Page 000106

the

of

5

:

Payments under this coverage are in excess over the payments made by the NFIP
policy, This provision applies whether or not the maximum NFIP limit was obtained or
maintained, and whether or not you can collect on the NFIP policy'

Page 5 of 5

PCHO-FLD (09/06)

Exhibit A Page 000107

Fraud SafeGuardsM Couerage
With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement'
SCHEDULE
Llmit of lnsurance
Fraud, Embezzlement or

$

Forgery

$

ATM Robbery

$
$

It is agreed and understood

100,000
100,000

100,000
100,000

that

$2s0

(each insured)
(each insured annual aggregate)

$2,500
$2,500

Stolen ldentity Event

Deductible

(each event)
(each insured annual aggregate)

No deductible applies

(each event)
(each insured annual aggregate)

No deductible applies

PART I - DEFINITIONS has been amended to include

the following:

Forgery means the signing of the name of another person or organization with intent to deceive; it
doei not mean a signatuie which consists in whole or in part of one's own name signed with or
without authority, in any capacity, for any purpose. Forgery will result directly from forgery of

checks, drafts, promissory notes, or similar written promises, orders or directions
certain in money that are:

a. Made
b. Made

to pay a sum

a family member; or
or drawn by one actlng as your or a family member's agent;

or drawn by or drawn upon you or

or that are purported to have been so made or drawn.
Fraud or embezzlement means:

teletype, telefacsimile, telephone, computer, or magnetic
tape instruction which purports to have been transmitted by you or a family member, but
which was in fact fraudulently transmitted by someone else without your or a family

a. An electronic. telegraphic, cable,

member's knowledge or consent;

b. A written instruction issued by you or a family member, which was forged or altered by
someone other than you or a family member without Vour or a family member's

knowledge or consent, or which purports to have been issued by you or a family member
but was in fact fraudulently issued without your or a family member's knowledge or
consent; or
perversion of truth by someone other than you or a family member
perpetrated in order to induce you or a family member to part with something of value'

c, Any other intentional

Fraud Safeguard event means fraud, embezzlemenl, or forgery, ATM robbery, or stolen identity
event as set forth in

this

endorsement.

Money means:

a. Currency, coins and bank notes in current use and having a face value;
b. Travelers checks, register checks and money orders.

and

Page 1 of 6

PCHO-FRDSG (09/06)

Exhibit A Page 000108

Other property means and is limited to jewelry, precious metals, antiques, fine art, ceramics, furs,
collectibles, and gemstones.
Restoration Services means those services performed in response to a stolen identity event, and on

your or a family member's, behalf after receipt of authorization from you or a family member,
including but not lim¡ted to:
1 . Providing you or a family member with a package of information which includes a description
of the iesolution pro"e'ss, educational articles, and guidance for avoiding future complications.

2.

Notifying the three major credit bureaus and providing assistance with requesting that a fraud
alert be þlaced on your or a family member's credit files and affected credit accounts'

3.

Reviewing your or a family member's credit files with you or a family member to determine
the accuracy of the file and potential areas of fraud.
Notifying as needed, your or a family member's affected creditors, financial institutions, credit
card companies, utility providers, and merchants of the identity fraud.

4.
5.

Providing information to the Federal Trade Commission (FTC), and to other government agencies as approPriate.

6. When appropriate,

providing assistance with obtaining and reviewing your Social Security

Personal Earnings and Benefits Statement.

7. Creating and maintaining a case file to document the identity fraud.
8. When appropriate, providing other assistance we might reasonably

family rnórntj"r on a case by-case basis, as determined in our sole and

be able to offer you or

a

absolute discretion'

We reserve the right to refuse or terminate the provision of restoration services where you or a
family member a-re deemed to be committing f raud or other illegal acts, making untrue
statements, or failing to perform your or the family member's portion of the recovery plan'
Robbery means the unlawful taking
plished by means of force or fear.

of property from the

care and custody

of a person,

accom-

Securities mean negotiable and non-negotiable instruments or contracts representing either money
or property.

Stolen identity event means the illegal use of your or a family member's name, social security
number, or other method of identity without permissron.
It is agreed and understood that PART lll - LIABILITY has been amended to include the following:
FRAUD SAFEGUARD

lnsuring Agreements

A. Fraud, Embezzlement or ForgerY
We will pay you or a family member for loss of money, securities, or other property up to_the
applicable L¡m¡ts of lnsurance shown in the schedule, resulting directly from. fraud, embezii"¡¡"nt, or forgery perpetrated against you or a family member during the Policy Period. The
loss must be discoveied not later than ninety (90) days from the end of the Policy Period'

B. ATM Robbery
We will pay you or a family member, up to the applicable Limits of lnsurance shown in the
schedule, fór íoss of money iesulting directly from a robbery that occurs within 100 feet from an
Automatic Teller Machine'(ATM), immediately after withdrawing such monies from the same
ATM. This coverage does not apply to any other loss of money or valuables in your or a family
member's possession resulting from the robbery.

Page 2 of 6

PCHO-FRDSG (09/06)

Exhibit A Page 000109

C. Stolen ldentity Event
We will pay Costs and Legal Costs, as set forth below in Payment of Loss for a stolen identity
event, up tô tfre applicable Limits of lnsurance shown in the schedule, including a stolen identity
event occurring on or arising out of the use of the lnternet. The stolen identity event must occur
and be discovered during the Policy Period.

1.

Payment of Loss For A Stolen ldentity Event

a.

Costs

1. Costs incurred by you or a family member for re-filing applications for loans, grants,
other credit or debt instruments that are rejected solely because the lender received
from any source incorrect information as a result of

a

stolen identity event;

notarizing affidavits or other similar documents, long distance telephone
calls, and postage reasonably incurred as a result of your or a family member's efforts
to report a stolén identity event or amend or rectify records as to your or a family
member's true name or identity as a result of a stolen identity event;

2. Costs for

3.

Costs incurred by you or a family member for a maximum of six (6) credit reports from
an entity approved by us. The flrst credit report may not be requested until after the
discovery of a stolen identity event;

4.

Costs for contesting the accuracy or completeness of any information contained in a
credit report following a stolen identity event;
Actual lost wages not to exceed $10,000 that would have been earned in the United
States, whethel partial or whole days, for time reasonably and necessarily taken off
work and away irom your or a family member's work premises solely as a result of
your or a famiÍy member's efforts to amend or rectify records as to. your or a family
member's true name or identity as a result of a stolen identity event. Actual lost wages
includes remuneration for vacation days, discretionary days, floating holidays, and paid

5,

personal days but not

f

or sick days or any cost arising f rom time taken from

self-employment. Coverage is limited to wages lost within twelve (12) months after
your or a family member'õ discovery of a stolen identity event and is limited also to the
applicable Aggregate Limits of lnsurance shown in the schedule.

b.

Legal Costs

Costs for reasonable fees for an attorney appointed by us and related court fees, incurred
by you or a family member with our consent. for:
1. Any legal action brought against you or a family member by a creditor or collection
agency or entity act¡ng on bãhalf of a creditor for non-payment of goods or services or
default on a loan as a result of a stolen identity event;
2. Removing any civil judgment wrongfully entered against you or a family member as a
result of a stolen identity event; and
defense for charges brought against you or a family member as a result of
stolen identity event.

3, Criminal

2. Additional Coverage - Stolen ldentity

a

Event

Restoration Services
We will provide you or a family member with restoration services after a stolen identity event.
The stolän identity event must occur during the Policy Period. Restoration services expenses
do not reduce the amount of limit available under Payment of a Loss for a stolen identity
event.
Special Limits of lnsurance

1. We will only pay the amount of loss in excess of any applicable Deductible, up to the
applicable Limit of lnsurance shown in the schedule for that coverage.

Page 3 of 6

PCHO-FRDSG (09/06)

Exhibit A Page 000110

2.
3,

The most we will pay each insured for all loss resulting from fraud. embezzlement, or
forgery is the Fraud, Embezzlement, or Forgery Each lnsured Aggregate Limit shown in
the schedule.
The most we will pay each insured for all loss resulting from a stolen identity event is
the Stolen ldentity Each lnsured Aggregate Limit shown in the schedule.
pay each insured for all loss resulting from an ATM Robbery is the
ATM Robbery Each lnsured Aggregate Limit shown in the schedule.
All loss arising from continuous, repeated, or related fraud safeguard events will be

4. The most we will
5.

treated as one fraud safeguard event.

6. The most we will pay for any loss is the applicable

Limit of lnsurance.

lf, however,

a

loss:

a) Exceeds the applicable Limit of lnsurance; and
b) There is more than one insured person claiming a loss; and
c) The combined loss is greater than the Limit of lnsurance for any one

insured

person; and

reasonably demonstrate joint ownership of the
money, securities, or other property;
we will pay each insured person up to the applicable Limit of lnsurance for money,
securities, or other propeity. until the loss is satisfied, but under no circumstance

d) The affected insured persons can

will we pay:
1

)

2l

more than the adjusted value of the money, securities, or other property; or
each insured person for the same money, securities or other property, or portion

thereof.

pay for loss for any occurrence of fraud, embezzlement, or forgery until
the amount ót íorr exceeds the Fraud, Embezzlement, or Forgery Deductible shown in
the schedule. A separate Fraud, Embezzlement, or Forgery Deductible will apply to

7. We will not

each insured.

It is agreed and understood that PART lll - LIABILITY, Exclusions, has been amended to include the
following:
As respects FRAUD SAFEGUARD coverage provided by this endorsement:

This insurance does not provide coverage for liability, defense costs or any other cost or expense
for:
1

.

lntentional Loss

We do not cover any loss for any act committed at your or a family member's direction or with
your or a family member's knowledge'

2.

Dishonest Acts
We do not cover any loss arising out of any dishonest or criminal act by you or

a

family member.

3. Conf iscation
We do not cover any loss caused by the confiscation, destruction, or seizure of property by any
government or public entity or their authorized representative.

4. Computer Error
We do not cover any loss resulting f rom an error in computer

programming

or error

in

instructions to a comPuter.

5. Business

Or Professional Services

We do not cover any loss arising out of a business or professional service engaged in by you or
a family member.

Page 4

PCHO.FRDSG (09/06)

Exhibit A Page 000111

of 6

6.

Property Damage, Bodily lnjury, or Personal lnjury

.

We do not cover any bodily injury, property damage, or personal injury.

7.

Financial Guarantees

We do not cover any guarantee of the financial performance of any financial Instrument

or

investment vehicle.

8.

lndirect Loss

We do not cover any loss that is an indirect result of any fraud guard event including but not
limited to:

a) Your or a family member's inability to realize income that you would have realized
there been no loss or damage

b)
c)

to

money, securities,

Payment of damages of any type for which you or

or

had

other property;

a family

member are legally liable; or

Payment of costs, fees or other expenses you or a family member incur in establishing
either the existence or the amount of loss under this endorsement other than those set

forth under this endorsement.

9.

Legal Expenses

Expenses related to any legal action, except as set forth in this endorsement related to a stolen

identity event.

10. Games of Chance
Any loss resulting from any game of chance.
11

, Forgeries
Any forgery that is electronic, digital, or mechanical,

12. Service Disputes
Any loss arising out of any dispute or disagreement concerning the quality of goods or services
unless the loss arises out of fraud, embezzlement, or forgery.

3. Not-for-Profit Organizations
Any loss arising out of the giving of any contribution, donation, restricted gift, or payment of
any kind to any not-for-profit organization.
'l 4. lnvestment Loss Due to Corporate Fraud
We do not cover any loss due to the change in value of securities issued by a business where
loss results directly or indirectly from or alleges or involves in any manner whatsoever, fraud,
embezzlement or forgery by the business including but not limited to lts Directors or Officers,
which issued the securities.
1

It is agreed and understood
following:
A.

that PART lV -

CONDITIONS has been amended

to

include the

Your or a Family Member's Duties After a Fraud Safeguard Event
ln the event of
1

.

2.

a

Fraud Safeguard Event or loss you or

a family member must:

Notify the police if a law may have been broken;
Provide us

with a police report or a report that was submitted to the appropriate

civil

authorities;

3, Give us prompt notice of the loss;
4. Take action to avoid future loss, including

securing any residence, safeguarding your or a
family member's assets and ending your or a family member's business relationship with any
one responsible for

a

Fraud Safeguard Event;

Page 5

PCHO-FRDSG (09/06)

Exhibit A Page 000112

of 6

give us a description of how, when, and where the loss occurred and a
description of the loss, including a description of money, securities, and other property;
lf requested, permit us to question you and family members under oath at such times as may
be rèasonably required, about any matter relating to this insurance or your or a family

5. As soon as possible,
6.

member's claim, including inspection of your or a family member's books and records, ln
such event, your or a fãmily member's statement containing your or a family member's
answers will be signed;
7. Send us a signed, sworn proof of loss or affidavit containing the information we request to
investigate the claim. You or a family member will do this within thirty (30) days after our
requesi. We will supply you or a family member with the necessary forms;
8. ln the event of a credit card loss, in addition to all of the above, you or a family member will
notify the credit card service company or the issuing bank immediately, but in no event no
later than two (2) business days after discovery;
9. Upon discovery of an event of a loss involving an electronic fund transfer, in addition to all of
the above, yoú or a family member will notify the service providers and financial institutions
involved in ihe transfer immediately, but in no event no later than two (2) business days after
discovery;

10. You or a family member must cooperate with us in investigating, evaluating and settling a
claim and help us:

a)

Enforce any legal rights you, a family member or we may have against anyone who may
be liable to you or a familY member;

b) Attend depositions,

c) secure
1

1. We

hearings and trials; and

and give evidence, and obtain the attendance of witnesses; and

reserve the right

to request any other reasonable document or action of you or a family

member.

B. Valuation
1

,

Securities

ln the event of a loss of securities, we may elect to pay you or a family member the cost of
replacing such securities, determined by the market vaiue at the time of such settlement, We
will not-be liable for more than the actual cash value of the securities at the close of business
on the business day preceding the day on which the loss was discovered. lf our payment ¡s

not sufficient to indemnify yãu or a family member in full for the loss of securities, our
liability is limited to the reirlaôement of or the payment for such securities whichever is less,
but in no event will the payment be more than the applicable Limit of lnsurance'

2.

Foreign Currency

ln the event of a loss of foreign currency, we will be liable for the United States dollar
equivalent at the exchange ratã published in the Wall Street Journal on the day of the
discovery of the loss,

3.

Other Property

ln event of loss of other property. we will not be liable for more than the actual cash value of
the other property on the date óf the discovery of the loss, or for more tha.n the actual cost
of repairing oi of ieplacing such property with property or material of like quality and value'

Page 6 of 6

PCHO.FRDSG (09/06)

Exhibit A Page 000113

sM
Household SafeGuard

fStalking Excluded)

With respect to coverage provided by this endorsement, all provisions and conditions of the policy
apply unless they are changed by this endorsement.
The following additional coverage is added to the AIG Private Client Group Homeowners policy.

A.

lnsuring Agreement

We will indemnify you for expenses you incur solely and directly as a result of an insured event
anywhere in the world except those countries where a Travel Warning has been issued by the

Unlted States State Department at the time of loss. We will also pay a death

and

dismemberment benefit if injury to an injured party results within 365 days of the date of the
insured event that caused the injury.

B.

Payment of a Loss
Expenses

We will indemnify you for expenses you incur up to the coverage limits shown below. The most
we will indemnify under this endorsement for all expenses arising from one insured event
occurrence is $25O,OOO regardless of how many policies, people or types of insured events are
involved in the insured event occurrence. Coverage provided under this endorsement does not
increase any limit of liability under PART ll - PROPERTY or PART lll - LIABILITY'
Expense means the reasonable and necessary costs of the following for:
1

.

The reasonable and necessary fees and expenses costs you incur up
an insured event for the following:

a) A professional independent forensic

to 1 2 months

following

analyst;

b) A professional public relations consultant;

c)

A qualified interpreter;

d) An independent professional security

consultant; or

e) An independent professional negotiator.
We will pay up to $100,000 in total for each insured event occurrence.

2.

Medical expenses incurred within 12 months by you, your spouse or a family member as
direct result of an insured event (or guest in the event of a home invasion).

a

We will pay up to $50,OOO for each person, up to a maximum of $100,000 for each insured
event occurrence;

3, Travel, accommodation, and meals incurred by you, your spouse or a family

member

including but not limited to travel costs while attempting to resolve an event; in the event of
a kidnafping or child abduction, the costs to rejoin immediate family upon release; the costs
to evacuate-following an event; and in the e ent of a home invasion, the costs to temporarily
relocate expense your household.
We will pay up to $25,000 in total for each insured event occurrence;

4.

Rest and rehabilitation expenses including travel, accommodations, meals and recreation of

you, your spouse or family member as prescribed by a psychiatrist, physician or other
authoiized mental health professional (other than you or a family member) when incurred
within 1 2 months of the insured event.

Page 1 of 6

PCHO-HS-STEX (09/06)

Exhibit A Page 000114

We will pay up to $25,000 in total for each insured event occurrence;

5.

The increased costs of security due to an insured event including but not limited to the hiring
of additional security guards, hiring of armored vehicles and overtime paid to existing security

staff for a period of 90 days.
We will pay up to $25,000 in total for each insured event occurrence. ln addition, with our
prior approval, we will pay up to $5,000 to improve the security of your residence, your
motor vehicle or your watercraft to prevent a future insured event;

6. Lost salary of you, your

spouse or a family member during the first 60 days following

an

insured event occurrence.

We will pay up to $15,000 each person up to a maximum of $30,000 in total for each
insured event occurrence. No coverage is provided if immediately prior to the insured event
the person was receiving disability, unemployment compensation or was on personal or
medical leave;

7.

The amount paid as a reward by you or us to

an informant for information:

a) relevant to the resolution of an insured event;
b) which

c)

leads to the recovery of

a

covered child or victim; or

The arrest and conviction of parties responsible for the loss covered

under this insurance'

We will pay up to $50,000 in total for each insured event occurrence; and

8.

Any other reasonable and necessary expenses incurred by you with our prior

written

consent.

Death and Dismemberment Benefit Amount

lf injury to an injured party results, within 365 days of the date of the insured event that caused
-injury,
we will pay the injured party benefit shown for the injury up to. a maximum of
the
$2bOþO'0. lf more ihan one iñjury i3 sustained by an injured party as a result of an insured
event, we will pay the lesser of the actual amount of loss; or the sum of the limits of insurance
applicable to the injury.

lnjured Partv Benefit

Description of Loss:
Both hands
Both feet
Sight of both eyes
Sight of one eye

250,000
$250,000
$ 250,000
$ 1 25,000
$ 1 25,000
$ 1 25,000
$ 1 25,000
$

One hand
One foot
Speech

Hearing in both ears
Speech and hearing in both ears
Hearing in one ear
Thumb and index finger of same hand

Mutilation
Life
Ouadriplegia
Paraplegia
Hemiplegia

$12

5,O00

$250,000
$62,500
$ 62,500
$ 62,500
$250,000
$250,000
$ 1 25,000
$ 62,500

C. Definitions
As respect the coverage atforded by this endorsement, the following definitions apply

Page 2 of 6

PCHO-HS-STEX (09/06)

Exhibit A Page 000115

of you, your spouse, or a family
member oþerating or occupying any motorized land vehicle during the theft or attempted theft
of that vehicle. A relative is covered if operating the vehicle with your permission,

1.

Car jacking means the unlawful forced removal or detention

2.

Child abduction means the wrongful and illegal seizure, false imprisonment of a covered child
by someone other than a parent or legal guardian, or an agent of either, without a demand for
ransom monies during the Policy Period.

3,

Covered child means your, your spouse's, a family member's or a covered relative's child
under the age of 1 3 in the care of you, your spouse or a family member.

4.

Death and Dismemberment means your death or permanent total physical disablement or that
of your spouse, family member or covered relative including but not limited to paralysis or
loss, or loss of use of any body part which occurred during an insured event.

5,

Family member means a person related to you or your spouse by blood, marriage or adoption
that lives in your household including a ward or foster child.

6.

Guest means any person invited by you, your spouse or family member to your residence or
to travel in a motoi vehicle or watercraft owned by you, your spouse or a family member.

7.

Hemiplegia means the complete and irreversible paralysis of the upper and lower limbs on the
same side of the body.

8.
9.

'l

Hijack means the holding under duress for any reason other than kidnap of you, your spouse
or a family member while traveling in an aircraft, watercraft, or motor vehicle.
Home invasion means an unlawful act of violence or threat of violence to you, your spouse, a
family member, a residence employee or your guest by a person who unlawfully entered your
residence, temporary residence, or your watercraft while you, your spouse, a family member,
a residence employee or your guest are present'

O. lnformant means a person, other than you, your spouse, a family member, or covered relative
providing information not otherwise obtainable, solely in return for a reward offered by you or
us.

'l

1

.

lnjured party means you, your spouse. a family member or covered relative who suffers death
and dismemberment loss following an insurel event'

12, lnjury means an injury to the body of you, your spouse or family member which occurs as a
result of an insured event occurrence.

13. lnsured event means any of the following: kidnapping, child abduction, home invasion,

car

jacking, hijacking, violent threat,

14. lnsured event occurrence

means an insured event, or a series of related insured events'

means any event or connected series of events of seizing, detaining or carrying
away'by fórce or by fraud of you, your spouse, a family member or covered relative (except a
m¡nor c'fril¿ by his/her parent(s)) for the purpose of demanding money or other consideration
in exchange for their release,

15. Kidnapping

16.

Loss of a hand means complete severance through or above the wrist

17. Loss of hearing in an ear means total and irrevocable loss of the entire ability to hear in that
ear:

18.

Loss of foot means complete severance through or above the ankle joint;

19.

Loss of life means lack of communication from the victim for 24 months following the insured
event occurrence as determined by a medical examiner or similar medical authority;

Page 3

PCHO-HS-STEX (09/06)

Exhibit A Page 000116

of

6

that

eye;

20

Loss of sight of an eye means total and irrevocable loss of the entire sight in

21

Loss of speech means total and irrevocable loss of the entire ability to speak;

22

Loss of thumb or index finger means complete severance through or above

23

the

metacarpophalangeal joint of both digits;

Medical Expenses means reasonable charges

for

medical, psychiatrìc, dental,. hospital,

surgical, X-ray, prosthetic devices, professional nursing, ambulance

and

funeral services.

24 Mutilation means the full or partial severance, or total and irrevocable loss of use of a finger,
toe, ear, nose or genitalia,
25

Paraplegia means the complete and irreversible paralysis of both lower limbs,

26

Parent means the natural and legal parents, step-parent, legal guardian or foster parents of

27

Permanent Total Disability means any mental or physical condition which necessarily and
continuously disables an injured party from attending to every aspect of their normal business
or occupatión for a period of 1 year and at the end of such period of time is certified by two
qualified medical práctitioners approved by us as being_beyond hope of imp_rovement. lf the
injured party has no business occupation pri( r to the insured event, the disablement must
confine him or her from attending to their normal duties.

28

Physician means a licensed practitioner of the healing arts act_ing within the scope
hei license who is not the covered person or an immediate family member'

your child.

29 Ouadriplegia means the complete and irreversible paralysis

of his

or

of both upper and both lower

limbs.

30 Relative means a spouse¿ child, step-child, legally adopted child, foster child, spouse of a
Áàrrìe¿ child, grandchild, brother, sister, pareñt, adoptive parent, step-parent, grandparent,
brother-in-law, sister-in-law, parent-in-law and grandparent-in-law.

31

Violent threat means the expression of an intention to inflict pain, injury_, or..punishment with
the indication of impending d'anger or harm against you, your spouse or family member.

D. Exclusions
We will not be liable for loss caused by or resulting either directly or indirectly from
Fraud

The fraudulent, dishonest or criminal acts of you, your spouse or family member, or agent
thereof, whether acting alone or in collusion with others'

2.

3

4

Acts of certain individuals

We do not cover any loss or expense caused by you, your spouse or family member, a
covered relative. an estranged spouse or former spouse of any of them, or any agent thereof,
whether acting alone or in collusion with others.
Children in your care
'cover
child abduction expenses or death and dismemberment loss for children in
We do not
the care of you, your spouse or a family member when you, your spouse or a family member
is a day care provider providing service for the care of children.
Ransom monies

We do not cover ransom monies

Page 4 of 6

PCHO-HS-STEX (09/06)

Exhibit A Page 000117

5. Acts of war

We do not cover any loss caused directly or indirectly by war, including the following and any
consequence of the following:
a) Undeclared war, civil war, insurrection, rebellion, or revolution; or
b) Warlike acts by a military force or military personnel.

6. Vehicles used for a fee

it is being

We do not cover loss arising out of the ownership or operation of a vehicle while
used to carry people or property for a fee.

7.

Legal Counsel

Wã ¿o not cover legal liability, cost of legal counsel or costs of defense for administrative,
regulatory, judicial ór other claims hearings or lawsuits arising out of the insured event
occurrence.

8.
9.

Childbirth or miscarriage
We do not cover deatñ and dismemberment loss caused by childbirth

or

miscarriage.

Suicide or lntentional Dismemberment

We do not cover death and dismemberment loss caused by the injured party's suicide,
attempted suicide or dismemberment that is intentionally self-inflicted.

E. Additional Coverage:
Home Alteration and Vehicle Modification Benefit

spouse or family member suffers a dismemberment or paralysis for. which a benefit
unãer this endorsement we will pay the home alteration and vehicle modification
that are incurred within one year after the insured event causing the injury.

lf you, your
'paya6le
is

"*pense.
We will pay up to $25,000 for the following one-time expenses:

a) Alterations to your residence that are necessary to make the residence accessible and
habitable for a wheelchair-confined person;
b) Modification to a motor vehicle owned or leased by you or modifications to a motor
vehicle newly purchased by you that are necessary to make the vehicle accessible to
and/or drivable by you, your spouse or a family member,
The modifications must be:

a)
b)

c)

di

your spouse or a family member;
Recommended by a nationally-recognized organization providing support and assistance to
wheelchair users;
Carried out by individuals experienced in such alterations and modifications; and
ln compliancå with any applicable laws or requirements for approval by the appropriate
government authorities.
Made on behalf of you,

F. Conditions

ln addition to the

Conditions found

in

PART

lV-

CONDITIONS

of the policy to which

this

coverage attaches. The following conditions apply:
Your duties after a loss:
ln the event of
1

.

an

insured event, the covered person will make every reasonable

lmmediately notify local, national

jurisdiction over the matter;

effort to:

or other appropriate law enforcement agency

having

Page 5

PCHO.HS-STEX (09/06)

Exhibit A Page 000118

of

6

2.
3.

lmmediately notify us

or your agent and provide timely updates concurrent with activity

occurring during the insured event; and
Where réquired, submit to physical examinations by physicians or evaluations by psychiatrists
that we select or cooperate with our request for an autopsy (unless prohibited by law).

Page 6

PCHO-HS-STEX (09/06)

Exhibit A Page 000119

of

6

Homeowners Amendatory Endorsement
Massachusetts

The following language is added to your policy:
1 . ln case of fire notify the company or its local agent at once in writing; and

2. Massachusetts Standard PolicY
Part ll - PROPERTY, Payment of a Loss is amended to includethe following:
We will adjust all losses with you. We will pay you unless some other pefson is_named in the policy or is-le'be'pãyable
within thirty (30) Days after we receive your proof of
gaily entitlód to receive puyrunt, Loss will
loss.

part ll - pROPERTY. Section C. Additional Coverages, Ensuing Fungi or Bacteria deleted and replaced by the
following:
Ensuing Fungi or Bacteria
We will pay up to $1O,OOO in total for a loss caused by fungi or bacteria resulting from a covered loss, including:

a. The cost to remove, clean-up, remediate, contain, treat, detoxify, neutralize, fungi or bacteria;
b. The cost to tear out and replace any part of the building or other covered property as needed to gain access to the fungi or bacteria;

The cost of testing or monitoring of air or property to confirm the absence, presence or level of fungi or
bacteria performed- ¡etore, durin"g and aftel remouã|, repair, restoration or replacement. The cost of such
testing will be provided only to ihe extent that there is a reason to believe that there is the presence of
fungi or bacteria; and
d. Up to $5,OOO for the reasonable increase in living expenses incurred by you to maintain your
household's usual standard of living if your residencã is uninhabitable. Payment will continue for the
shortest period of time necessary to iestore your residence to a habitable condition.
This is the most we will pay regardless of the number of occurrences, the number of locations insured, or
the number of claims-made. We will not make any additional payments for Ensuing Fungi or Bacteria under

c.

any other Additional Coverage,
These payments do not increase the amount of coverage.

part lV - CONDITIONS, Your Duties After a Loss, is amended to include the following:
lf the loss payable under the policy equals or exceeds $5,OOO, you are required to submit to us a certificate
of municipal liens from the collector of taxes of the city or town where your property is located before we
two, three, or four family
óuV uny òlui¡¡ for loss or damage to property, other than owner-occupied one.
dwellings, from any hazard.
part lV - CONDITIONS, Legal Action Against Us is deleted and replaced with the following:
Legal Action Against Us
ons'
red person has comPlied wi
us'
mount of the insured Perso
but
wo (2) years after the date I
ned.
filed and the amount of the
any insured person. However, if a court prevents the
start or continuance of the action, but at a later date allows the action to resume, it must be resumed within on" (1) year of the court order, lf a disagreement about the. amount of loss has been referred to a board
of referees within two (2) years of th" daie of loss, any action against us must be started within ninety
(90) days after the board's decision.

PCHO-AEMA (09/06)

Exhibit A Page 000120

Part lV - CONDITIONS, Appraisals is deleted and replaced with the following:
Appraisals

lf you and we fail to agree on the amount of loss, we shall, upon receipt of your written request to.do so,
ref'er this matter to a tñree member board of referees. They are selected and must act according to the pro-cedures set by the law. Their decision will be binding. This board does not make decisions about matters of
coverage or fault.
Part lV - CONDITIONS, Mortgage Clause is amended as follows:
Mortgage Clause

"lf your policy is cancelled or not renewed by us, the mortgagee will be notified in writing at
(10) daÇs beiore ihe cancellation or nonrenewal takes effect" is deleted and replaced by the folleast ten

The sentence
lowing:

lf we

decide

to cancel or not to renew this policy, the mortgagee shown on the Declarations

Page

will

be

notif ied:

a. At least twenty (20) days before the date cancellation takes effect;
b. At least ten (1 0) days before the date nonrenewal takes effect.

or

A United States Postal Service certificate of mailing showing the name and address of the mortgagee will
be sufficient proof of notice.

Part lV - CONDITIONS, Our Cancellation is deleted and replaced as follows:
Our Cancellation

We may cancel this policy only for the reasons stated below by lettin.g you know in writing of the date
cancellátion takes efïect and the reason for cancellation. This cancellation notice may be delivered. to
yãu o¡. mailed, by first class mail, to the mailing ad.dress shown on the Declarations Page or to your l.ast
address known to us. A United ótates Postal Service certificate of mailing showing your name and that
address will be sufficient proof of notice. When this policy is cancelled, the premium for the period from
the date of cancellatlon tö tf'" expiration date will be refunded pro rata.lf the return premium is.not refunded with the notice of cancellation or when this policy is returned to us, we will refund it when ascertained.

1. When you have not paid the premium, whether payable to us or to our agent or under any finance or
credit plan, we may ðancel at any time by letting you know at least ten (10) days before the date cancellation takes effect.

2. When this policy has been in effect for less than sixty (60) days (5) may cancel for any reason,.other
19 days before the date cancellation
than nonpayment ;a premium, by letting you know at least five
takes effect.

3. When this policy has been in effect sixty (60) or more, or after sixty (60) days from
(5)
date, we may cancel for one or more of ihe following by letting you know five
cancellation takes effect:
a. Conviction of an act which increases the chances of loss under this policy;

b,

c.

any, anniversary

days before the date

Discovery of fraud or material misrepresentation by the insured person in obtaining this policy;
Discovery of willful or reckless acts or omissions by the insured person increasing the hazard insured
agai

nst;

d. Physical changes in the property insured, which result in the property becoming uninsurable; or
e. A determination by the commissioner that continuation of the policy will violate or place the insurer
in violation of the law.

Where the stated reason is nonpayment of premium, you may continue the coverage and avoid the effect of the cancellation by payment at any time pri cr to the effective date of cancellation.
Part lV - CONDITIONS, Nonrenewal is deleted and replaced as follows:
Nonrenewal

lf we elect not to

renew this policy, we shall mail to you at the last address known to us written notice of

PCHO-AEMA (O9/06)

2

Exhibit A Page 000121

non-renewal not less than forty-five (45) days before the end of the Policy Period as stated on the Declara-

tions Page.
Regardless, this policy will terminate at the end of the Policy Period stated on the Declarations Page if you
have failed to discharge when due any of your obligations in connect¡on with the payment of premium for
the renewal of this policy, or if you have notified us or our agent that you do not wish this policy to be renewed. Proof of mailing of notice mentioned above shall be sufficient proof of notice.
ln witness whereof, we have caused this policy to be executed and attested, and if required by state law
this policy shall not be valid unless countersigned by our authorized representative.
Part lV - CONDITIONS is amended to include the following items:

City or Town Liens
We are required by Massachusetts law to notify the local inspector of buildings or Board of Health at least
ten (10) days before we make a payment of $1,000 or more for loss to a building or structure and give notice if there is damage which makes a building a health or safety hazard or dangerous or unsafe for occupancy regardless of füe amount of our paymeñt. Prior to the loss payment,.if we receive official notice of a
þendíng õr existing lien against your premises, we must delay payment until the matter is settled. lf we are
required to pay all or part of the amount of the lien, we will not be liable to pay the amount to you.
Vacancy
Unless otherwise provided in writing, we shall not be liable for loss caused by fire or lightning occurring
while a described building is vacant, whether intended for occupancy by owner or tenant, beyond a period
of sixty (60) consecutive- days for residential purposes of three units or less and thirty (30) consecutive
days for other residential purposes.
All other provisions of this policy apply.

lncludes copyrighted material of lnsurance Services Office lnc. with its permission

PCHO-AEMA (09/O6)

3

Exhibit A Page 000122

INCREASED ENSU¡NG FUNGI OR BACTERIA COVERAGE

MASSACHUSETTS

With respect to coverage provided by this endorsement, all provisions and conditions of the policy apply
unless they are changed by this endorsement.

As respects the following location(s)

:

It is agreed and understood that
PART

ll - PROPERTY C, Additional

Coverages Ensuing Fungi or Bacteria, is deleted and replaced with the

following:
Ensuing Fungi or Bacteria

to $ 1 ,287,000 in total for loss to your house. contents and other permanent structures caused by fungi or bacteria resulting from a covered loss, including:
a. The cost to remove, clean-up, remediate, contain, treat, detoxify, neutralize, fungi or bacteria;
b. The cost to tear out and replace any part of the building or other covered property as needed to
gain access to the fungi or bacteria;
c. The cost of testing or monitoring of air or property to confirm the absence, presence or level of
fungi or bacteria plrformed before, during and after removal, repair, restoration or replacement.
-only
to the extent that there is a reason to believe that
ThJcost of such testing will be provided
We will pay up

there is the presence

of fungi

or bacteria; and

Up to $5,OOO for the reasonable increase in living expenses incurred by you to maintain your
household's usual standard of living if your re;idence is uninhabitable. Payment will continue for
the shortest period of time necessary to restore your residence to a habitable conditlon'
This is the most we will pay regardless of the number of occurrences, the number of locations insured, or the number of claims made. We will not make any additional payments for ensuing fungi or

d.

bacteria under any other Additional Coverage'
These payments do not increase the amount of coverage'

PCHO-rEF-MA (09/06)

Exhibit A Page 000123

INCREASED ENSUING FUNGI OR BACTERIA COVERAGE

MASSACHUSETTS

With respect to coverage provided by this endorsement, all provisions and conditions of the policy apply
unless they are changed by this endorsement.

As respects the following location(s):

It is agreed and understood that:
pART ll - PROPERTY C. Additional Coverages Ensuing Fungi or Bacteria, is deleted and replaced with the
following:
Ensuing Fungi or Bacteria

We will pay up to $ 771,OOO in total for loss to your house, contents and other permanent structures caused by fungi or bacteria resulting from a covered loss, including:
a. The cost to remove, clean-up, remediate, contain, treat, detoxify. neutralize, fungi or bacteria;
b. The cost to tear out and replace any part of the building or other covered property as needed to
gain access to the fungi or bacteria;
c. The cost of testing or monitoring of air or property to confirm the absence, presence or level of
fungi or bacteria plrformed befo-re, during and after removal, repair, restoration or replacement.
The cost of such testing will be provided only to the extent that there is a reason to believe that
there is the presence of fungi or bacteria; and
d. Up to $5,OOO for the reasonable increase in living expenses incurred by you to maintain your
household's usual standard of living if your residenie is uninhabitable. Payment will continue for
the shortest period of time necessary to restore your residence to a habitable condition.
This is the most we will pay regardless of the number of occurrences, the number of locations insured, or the number of ciaims riade, We will not make any additional payments for ensuing fungi or
bacteria under any other Additional Coverage.
These payments do not increase the amount of coverage.

PCHO-tEF-MA (09/06)

Exhibit A Page 000124

INCREASED ENSUING FUNGI OR BACTERIA COVERAGE

MASSACHUSETTS

With respect to coverage provided by this endorsement, all provisions and conditions of the policy apply
unless they are changed by this endorsement.

As respects the following location(s):

It is agreed and understood that:
PART

ll - PROPERTY C. Additional

Coverages Ensuing Fungi or Bacteria, is deleted and replaced with the

following:
Ensuing Fungi or Bacteria

We will pay up to S 567,OOO in total for loss to your house,. contents and other permanent structures caus'ed by fungi or bacteria resulting from a covered loss, including:
a. The cost to remove, clean-up, remediate, contain, treat, detoxify, neutralize, fungi or bacteria;
b. The cost to tear out and replace any part of the building or other covered property as needed to
gain access to the fungi or bacteria;
c. The cost of testing or monitoring of air or property to confirm the absence, presence or level of
fungi or bacteria p"erformed befo-re, during and after removal, repair, restoration or replacement'
The cost of such testing will be provided änly to the extent that there is a reason to believe that
there is the presence of fungi or bacteria; and
d. Up to $5,OOO for the reasonable increase in living expenses incurred by you to maintain your
household's usual standard of living if your re ¡idenle is uninhabitable' Payment will continue for
the shortest period of time necessary to restore your residence to a habitable condition.
This is the most we will pay regardless of the number of occurrences, the number of locations insured, or the number of cl'aiós rñade. We will not make any additional payments for ensuing fungi or
bacteria under any other Additional Coverage.
These payments do not increase the amount of coverage'

PCHO-rEF-MA (09/O6)

Exhibit A Page 000125

INCREASED ENSUING FUNGI OR BACTERIA COVERAGE

MASSACHUSETTS

With respect to coverage provided by this endorsement, all provisions and conditions of the policy apply
unless they are changed by this endorsement.

As respects the following location(s):

It is agreed and understood that
pART ll - pROPERTY G. Additional Coverages Ensuing Fungi or Bacteria, is deleted and replaced with the
following:
Ensuing Fungi or Bacteria
in total for loss to your house. contents and other permanent structures cäusêd'by fungi or bacteria resulting from a covered loss, including:
a. The cost to remove, clean-up, remediate, contain, treat, detoxify, neutralize, fungi or bacteria;
b. The cost to tear out and replace any part of the building or other covered property as needed to
gain access to the fungi or bacteria;
c, The cost of test¡ng or monitoring of air or property to confirm the absence, presence or level of
We will pay up f.o

i274,OOO

-

fungi or bacteria ierformed befo"re, during änd after removal, repair, restoration or replacement.
-only
to the extent that there is a reason to believe that
The cost of such testing will be provided
bacteria; and
there is the presence of fungi or
d. Up to $5,OOO for the reasonable increase in living expenses incurred by you to maintain your
household's usual standard of living if your residenLe is uninhabitable. Payment will continue for
the shortest period of time necessary to restore your residence to a habitable condition.
This is the most we will pay regardless of the number of occurrences, the number of locations insured, or the number of ciaims rñade. We will not make any additional payments for ensuing fungi or
bacteria under any other Additional Coverage,
These payments do not increase the amount of coverage'

PCHO-tEF-MA (09/06)

Exhibit A Page 000126

INCREASED ENSUING FUNGI OR BACTERIA COVERAGE

MASSACHUSETTS

With respect to coverage provided by this endorsement, all provisions and conditions of the policy apply
unless they are changed by this endorsement.
As respects the following location(s):

It is agreed and understood that
PART

ll - PROPERTY

C. Additional Coverages Ensuing Fungi or Bacteria, is deleted and replaced with the

following:
Ensuing Fungi or Bacteria

We will pay up to $ 5O,OOO in total for loss to your house. contents and other permanent structures caused by fungi or bacteria resulting from a covered loss, including:
a. The cost to remove, clean-up, remediate, contain, treat, detoxify, neutralize, fungi or bacteria;
b. The cost to tear out and replace any part of the building or other covered property as needed to
gain access to the fungi or bacteria;
c. The cost of testing or monitoring of air or property to confirm the absence, presence or level of
fungi or bacteria pìerformed before, during and after removal, repair, restoration or replacement,
ThJcost of such iesting will be provided bnly to the extent that there is a reason to believe that
there is the presence of fungi or bacteria; and
d. Up to $5,OOO for the reasonable increase in living expenses incurred by you to maintain your
household's usual standard of living if your re;idence is uninhabitable. Payment will continue for
the shortest period of time necessary to restore your resídence to a habitable condition,
This is the most we will pay regardless of the number of occurrences, the number of locations insured, or the number of claims made. We will not make any additional payments for ensuing fungi or
bacteria under any other Additional Coverage.
These payments do not increase the amount of coverage.

PCHO-rEF-MA (09/06)

Exhibit A Page 000127

INCREASED ENSUING FUNGI OR BACTERIA COVERAGE
MASSACHUSETTS

With respect to coverage provided by this endorsement, all provisions and conditions of the policy apply
unless they are changed by this endorsement.

As respects the following location(s)

:

It is agreed and understood that:
PART

ll - PROPERTY C. Additional

Coverages Ensuing Fungí or Bacteria, is deleted and replaced with the

following:
Ensuing Fungi or Bacteria

to $ 197,000 in total for loss to your house, contents and other permanent structures caused by fungi or bacteria resulting from a covered loss, including:
a. The cost to remove, clean-up, remediate, contain, treat, detoxify, neutralize, fungi or bacteria;
b. The cost to tear out and replace any part of the building or other covered property as needed to
gain access to the fungi or bacteria;
c. The cost of testing or monitoring of air or property to confirm the absence, presence or level of
fungi or bacteria pìerformed befole, during and after removal, repair, restoration or replacement.
ThJcost of such testing will be provided only to the extent that there is a reason to believe that
We will pay up

there is the presence

of fungi

or bacteria; and

Up to $5,OOO for the reasonable increase in living expenses incurred by you to maintain your
household's usual standard of living if your re;idence is uninhabitable. Payment will continue for
the shortest period of time necessary to restore your residence to a habitable condition,
This is the most we will pay regardless of the number of occurrences, the number of locations insured, or the number of c[aims made. We will not make any additional payments for ensuing fungi or

d.

bacteria under any other Additional Coverage.
These payments do not increase the amount of coverage.

PCHO-rEF-MA (09/O6)

Exhibit A Page 000128

INCREASED ENSUING FUNGI OR BACTERIA COVERAGE

MASSACHUSETTS

With respect to coverage provided by this endorsement, all provisions and conditions of the policy apply
unless they are changed by this endorsement.
As respects the following location(s):

It is agreed and understood that:
PART ll - PROPERTY C. Additional Coverages Ensuing Fungi or Bacteria, is deleted and replaced with the
following:
Ensuing Fungi or Bacteria

to $ 535,000 in total for loss to your house, contents and other permanent structures caused by fungi or bacteria resulting from a covered loss, including:
a. The cost to remove, clean-up, remediate, contain, treat, detoxify, neutralize, fungi or bacteria;
b. The cost to tear out and replace any part of the building or other covered property as needed to
gain access to the fungi or bacteria;
c. The cost of testing or monitoring of air or property to confirm the absence, presence or level of
fungi or bacteria ptrformed before, during and after removal, repair, restoration or replacement.
ThJcost of such testing will be provided bnly to the extent that there is a reason to believe that
We will pay up

there is the presence

of fungi

or bacteria; and

Up to $5.OOO for the reasonable increase in living expenses incurred by you to maintain your
hòusehold's usual standard of living if your re;idence is uninhabitable. Payment will continue for
the shortest period of time necessary to restore your residence to a habitable condition.
This is the most we will pay regardless of the number of occurrences, the number of locations insured, or the number of claims made. We will not make any additional payments for ensuing fungi or

d.

bacteria under any other Additional Coverage,
These payments do not increase the amount of coverage'

PCHO-rEF-MA (09/06)

Exhibit A Page 000129

IMPORTANT NOTICE REGARDING YOUR HOMEOWNERS POLICY
MASSACHUSETTS LIOUID FUEL SPILL REMEDIATION

Massachusetts law now requires insurance companies to offer $50,000 in first party property
coverage for leaks f rom heating systems that use oil, This coverage is being offered as an
endorsement for an additional premium of $46; subject to a $1,000 deductible.
Although it is mandatory for insurance companies to offer this coverage, the coverage is an optional
purchase for policyholders. Verification of eligibility must be received by us in writing prior to
adding this endorsement. ln order to be eligible, the insured's oil heating systems must be in
compliance with the law. lf the residence is heated with oil, one of the following must be applicable
to the heating system:

.

An oil safety valve has been installed.

r

A protective sleeve has been installed on the oil supply line.

.

The oil burner is located above the oil storage tank and the entire oil supply line is connected to
and above the top of the tank.

lf you are interested in purchasing this coverage, your agent or broker can facilitate this purchase on
your behalf , For further information. please contact your agent or broker.

Page 1

PCHO-LFSRNOT-MA IO7 I 1 OI

Exhibit A Page 000130

of

1

TENANTS RELOCATION EXPENSE - MASSACHUSETTS
With respect to coverage provided by this endorsement, all provisions and conditions of
the policy apply unless they are changed by the endorsement.
As respects the following location

PART ll - PROPERTY, C. Additional Coverages is amended to include:

Tenants Relocation Expense

This coverage is required by Massachusetts

law. This policy

provides relocation

expense benefits as follows:

When a rented living quarters in a building covered by this policy is made uninhabitable
as a result of a loss by fire, this policy covers relocation expense incurred by the tenant
or lawful occupant to relocate to other living quarters in the shortest possible time. The
liability for relocation expense under this policy is limited to not more than $750 for a
rented living quarters. Your deductible does not apply to this coverage.
Relocation expense means documented, reasonable and necessary:
(1)
costs of packing, insuring, storing and carting household goods;
(21 Costs of securing new utility services less refunds from discontinued
services at the damaged Premises;
(3)
Costs of searching for other quarters;

l4l
(5)

Costs of disconnecting and reconnecting household appliances;
Additional living expenses while searching for or awaiting possession of
other quarters or the restoration of existing quarters;
commencing with the date of damage to the covered building and not limited by
the expiration date of this policy.
Relocation expense does not mean:
(1)
Loss caused by the termination of a lease or other agreement;

l2l

Security deposits or other payments made to the landlord or lessor of
other quarters;

(3)

Down payments, legal fees and closing costs incidental to the purchase
of other quarters.

Rented Living Ouarters means a room, suite of rooms or apartment rented as a single
residential unit by one or more persons.

Pogc 1 of 2

PCHO-TRE-MA (09/04)

Exhibit A Page 000131

Rented Living Ouarters does not mean one or more rooms occupied by one or more
persons as roomers in a hotel, motel, public or private lodging or rooming house where
the premises are occupied on a transient basis.
Other lnsurance

a. lf at the time of loss, the tenant or lawful occupant has other insurance that
covers relocation expense, we shall not be liable for any loss under this coverage
until the liability of such other insurance has been exhausted,

b. lf you have other insurance that covers relocation expense, payment under this
policy will be prorated with such insurance f or the smaller of the incurred
relocation expense or $750 all after application of the other insurance of the
tenant or lawful occupant.
Loss Settlement

The claims of all persons occupying the rented living quarters will be settled with and
payment made to the tenant or lawful occupant renting the quarters from the building
owners, or lessor,

Pagc 2 of 2

PCHO-TRE-MA (09/04)

Exhibit A Page 000132

TENANTS RELOCATION EXPENSE - MASSACHUSETTS
With respect to coverage provided by this endorsement, all provisions and conditions of
the policy apply unless they are changed by the endorsement.
As respects the follow¡ng location

PART ll - PROPERTY, C. Additional Coverages is amended to include:

Tenants Relocation Expense

This coverage is required by Massachusetts

law. This policy

provides relocation

expense benefits as follows:

When a rented living quarters in a building covered by this policy is made uninhabitable
as a result of a loss by fire, this policy covers relocation expense incurred by the tenant
or lawful occupant to relocate to other living quarters in the shortest possible time' The
liability for relocation expense under this policy is limited to not more than $750 for a
rented living quarters, Your deductible does not apply to this coverage.
Relocation expense means documented, reasonable and necessary:
(1)
Costs of packing, insuring, storing and carting household goods;
(21 Costs of securing new utility services less refunds from discontinued
services at the damaged Premlses;
(3)
Costs of searching for other quarters;

l4l
(5)

Costs of disconnecting and reconnecting household appliances;
Additional living expenses while searching for or awaiting possession of
other quarters or the restoration of existing quarters;
commencing with the date of damage to the covered building and not limited by
the expiration date of this policy.
Relocation expense does not mean:
(1)
Loss caused by the termination of a lease or other agreement;

l2l

Security deposits or other payments made to the landlord or lessor of
other quarters;

(3)

Down payments, legal fees and closing costs incidental to the purchase
of other quarters.

Rented Living Ouarters means a room, suite of rooms or apartment rented as a single
residential unit by one or more persons,

Fage 1 of 2

PCHO-TRE-MA (09/04)

Exhibit A Page 000133

Rented Living O.uarters does not mean one or more rooms occupied by one or more
persons as roomers in a hotel, motel, public or private lodging or rooming house where
the premises are occupied on a transient basis.
Other lnsurance

a. lf at the time of loss, the tenant or lawful occupant has other insurance that
covers relocation expense, we shall not be liable for any loss under this coverage
until the liability of such other insurance has been exhausted.

b. lf you have other insurance that covers relocation expense, payment under this
policy will be prorated with such insurance f or the smaller of the incurred
relocation expense or $750 all after application of the other insurance of the
tenant or lawful occuPant.
Loss Settlement

The claims of all persons occupying the rented living quarters will be settled with and
payment made to the tenant or lawful occupant renting the quarters from the building
owners, or lessor,

Page 2 of 2

PcHo-TRE-MA (0e/04)

Exhibit A Page 000134

TENANTS RELOCATION EXPENSE - MASSACHUSETTS
With respect to coverage provided by this endorsement, all provisions and conditions of
the policy apply unless they are changed by the endorsement.
As respects the following location:

PART ll - PROPERTY, C. Additional Coverages is amended to include:

Tenants Relocation Expense

This coverage is required by Massachusetts

law. This policy

provides relocation

expense benefits as follows:

When a rented living quarters in a building covered by this policy is made uninhabitable
as a result of a loss by fire, this policy covers relocation expense incurred by the tenant
or lawful occupant to relocate to other living quarters in the shortest possible time. The
liability for relocation expense under this policy is limited to not more than $750 for a
rented living quarters. Your deductible does not apply to this coverage,
Relocation expense means documented, reasonable and necessary:
(1)
Costs of packing, insuring, storing and carting household goods;
Costs of securing new utility services less refunds from discontinued
l2l
services at the damaged Premlses;
(3)
Costs of searching for other quarters;
(41 Costs of disconnecting and reconnecting household appliances;
(5)
Additional living expenses while searching for or awaiting possession of
other quarters or the restoration of existing quarters;
commencing with the date of damage to the covered building and not limited by
the expiration date of this policy.
Relocation expense does not mean:
(1)
Loss caused by the termination of a lease or other agreement;

l2l

Security deposits or other payments made to the landlord or lessor of
other quarters;

(3)

Down payments, legal fees and closing costs incidental to the purchase
of other quarters,

Rented Living O.uarters means a room, suite of rooms or apartment rented as a single
residential unit by one or more persons,

Page 1 of 2

PCHO-TRE-MA (09/04)

Exhibit A Page 000135

Rented Living Ouarters does not mean one or more rooms occupied by one or more
persons as roomers in a hotel, motel, public or private lodging or rooming house where
the premises are occupied on a transient basis.
Other lnsurance

a. lf at the time of loss, the tenant or lawful occupant has other insurance that
covers relocation expense, we shall not be liable for any loss under this coverage
until the liability of such other insurance has been exhausted.

b. lf you have other insurance that covers relocation expense, payment under this
policy will be prorated with such insurance f or the smaller of the incurred
relocation expense or $75O all after application of the other insurance of the
tenant or lawful occupant.
Loss Settlement

The claims of all persons occupying the rented living quarters will be settled with and
payment made to the tenant or lawful occupant renting the quarters from the building
owners, or lessor,

Page 2

PCHO-TRE-MA (09/04)

Exhibit A Page 000136

of 2

TENANTS RELOCATION EXPENSE - MASSACHUSETTS
With respect to coverage provided by this endorsement, all provisions and conditions of
the policy apply unless they are changed by the endorsement.
As respects the following location

PART ll - PROPERTY, C. Additional Coverages is amended to include

Tenants Relocation Expense

This coverage is required by Massachusetts

law. This policy

provides relocation

expense benefits as follows:

When a rented living quarters in a building covered by this policy is made uninhabitable
as a result of a loss by fire, this policy covers relocation expense incurred by the tenant
or lawful occupant to relocate to other living quarters in the shortest possible time, The
liability for relocation expense under this policy is limited to not more than $750 for a
rented living quarters, Your deductible does not apply to this coverage,
Relocation expense means documented, reasonable and necessary:
(1)
Costs of packing, insuring, storing and carting household goods;
Costs of securing new utility services less refunds from discontinued
l2l
services at the damaged premises;

(31
l4l
(5)

Costs of searching for other quarters;
Costs of disconnecting and reconnecting household appliances;
Additional living expenses while searching for or awaiting possession of
other quarters or the restoration of existing quarters;

commencing with the date of damage to the covered building and not limited by
the expiration date of this policy.
Relocation expense does not mean:
(1)
Loss caused by the termination of a lease or other agreement;

l2l

Security deposits or other payments made to the landlord or lessor of
other quarters;

(3)

Down payments, legal fees and closing costs incidental to the purchase
of other quarters.

Rented Living O.uarters means a room, suite of rooms or apartment rented as a single
residential unit by one or more persons.

Page 1 of 2

PCHO-TRE-MA (O9/04)

Exhibit A Page 000137

Rented Living Ouarters does not mean one or more rooms occupied by one or more
persons as roomers in a hotel, motel, public or private lodging or rooming house where
the premises are occupied on a transient basis.
Other lnsurance

a. lf at the time of loss, the tenant or lawful occupant has other insurance that
covers relocation expense, we shall not be liable for any loss under this coverage
until the liability of such other insurance has been exhausted.

b. lf you have other insurance that covers relocation expense, payment under this
policy will be prorated with such insurance f or the smaller of the incurred
relocation expense or $750 all after application of the other insurance of the
tenant or lawful occupant.
Loss Settlement

The claims of all persons occupying the rented living quarters will be settled with and
payment made to the tenant or lawful occupant renting the quarters from the building
owners, or lessor,

PCHO-TRE-MA (09/04)

Page 2 o[ 2

Exhibit A Page 000138

TENANTS RELOCATION EXPENSE - MASSACHUSETTS
With respect to coverage provided by this endorsement, all provisions and conditions of
the policy apply unless they are changed by the endorsement.
As respects the following location

PART ll - PROPERTY, C. Additional Coverages is amended to include

Tenants Relocation Expense

This coverage is required by Massachusetts

law. This policy

provides relocation

expense benefits as follows:

When a rented living quarters in a building covered by this policy is made uninhabitable
as a result of a loss by fire, this policy covers relocation expense incurred by the tenant
or lawful occupant to relocate to other living quarters in the shortest possible time. The
liability for relocation expense under this policy is limited to not more than $750 for a
rented living quarters. Your deductible does not apply to this coverage.
Relocation expense means documented, reasonable and necessary:
(1)
Costs of packing, insuring, storing and carting household goods;
Costs of securing new utility services less refunds from discontinued
l2l
services at the damaged Premises;
(3)
Costs of searching for other quarters;

(41
(5)

Costs of disconnecting and reconnecting household appliances;
Additional living expenses while searching for or awaiting possession of
other quarters or the restoration of existing quarters;
commencing with the date of damage to the covered building and not limited by
the expiration date of this policy.
Relocation expense does not mean:
(1)
Loss caused by the termination of a lease or other agreement;

l2l

Security deposits or other payments made to the landlord or lessor of
other quarters;

(3)

Down payments, legal fees and closing costs incidental to the purchase
of other quarters.

Rented Living O.uarters means a room, suite of rooms or apartment rented as a single
residential unit by one or more persons.

Page 1 of 2

PCHO-TRE-MA (09/04)

Exhibit A Page 000139

Rented Líving Ouarters does not mean one or more rooms occupied by one or more
persons as roomers in a hotel, motel, public or private lodging or rooming house where
the premises are occupied on a transient basis.
Other lnsurance

a. lf at the time of loss, the tenant or lawful occupant has other insurance that
covers relocation expense, we shall not be liable for any loss under this coverage
until the liability of such other insurance has been exhausted.

b. lf you have other insurance that covers relocation expense, payment under this
policy will be prorated with such insurance f or the smaller of the incurred
relocation expense or $750 all after application of the other insurance of the
tenant or lawful occupant.
Loss Settlement

The claims of all persons occupying the rented living quarters will be settled with and
payment made to the tenant or lawful occupant renting the quarters from the building
owners, or lessor,

Page 2 of 2

PCHO-TRE-MA (09/04)

Exhibit A Page 000140

TENANTS RELOCATION EXPENSE - MASSACHUSETTS
With respect to coverage provided by this endorsement, all provisions and conditions of
the policy apply unless they are changed by the endorsement.
As respect s the foll

ng location

PART ll - PROPERTY, C. Additional Coverages is amended to include

Tenants Relocation Expense

This coverage is required by Massachusetts

law. This policy

provides relocation

expense benefits as follows:

When a rented living quarters in a building covered by this policy is made uninhabitable
as a result of a loss by fire, this policy covers relocation expense incurred by the tenant
or lawful occupant to relocate to other living quarters in the shortest possible time, The
liability for relocation expense under this policy is limited to not more than $750 for a
rented living quarters. Your deductible does not apply to this coverage,
Relocation expense means documented, reasonable and necessary:
(1)
Costs of packing, insuring, storing and carting household goods;
Costs of securing new utility services less refunds from discontinued
l2l
services at the damaged premises;

(3)
l4l
(5)

Costs of searching for other quarters;
Costs of disconnecting and reconnecting household appliances;
Additional living expenses while searching for or awaiting possession of
other quarters or the restoration of existing quarters;

commencing with the date of damage to the covered building and not limited by
the expiration date of this policy,
Relocation expense does not mean:
(1)
Loss caused by the termination of a lease or other agreement;

(21

Security deposits or other payments made to the landlord or lessor of
other quarters;

(3)

Down payments, legal fees and closing costs incidental to the purchase
of other quarters.

Rented Living Ouarters means a room, suite of rooms or apartment rented as a single
residential unit by one or more persons.

Page 1 of 2

PCHO-TRE-MA (09/04)

Exhibit A Page 000141

Rented Living Ouarters does not mean one or more rooms occupied by one or more
persons as roomers in a hotel, motel, public or private lodging or rooming house where
the premises are occupied on a transient basis.
Other lnsurance

a. lf at the time of loss, the tenant or lawful occupant has other insurance that
covers relocation expense, we shall not be liable for any loss under this coverage
until the liability of such other insurance has been exhausted.

b. lf you have other insurance that covers relocation expense, payment under this
policy will be prorated with such insurance for the smaller of the incurred
relocation expense or $750 all after application of the other insurance of the
tenant or lawful occupant.
Loss Settlement

The claims of all persons occupying the rented living quarters will be settled with and
payment made to the tenant or lawful occupant renting the quarters from the building
owners, or lessor.

Page 2 of 2

PCHO-TRE-MA (09/04)

Exhibit A Page 000142

TENANTS RELOCATION EXPENSE - MASSACHUSETTS
With respect to coverage provided by this endorsement, all provisions and conditions of
the pollcy apply unless they are changed by the endorsement.
As respects the following location

PART ll - PROPERTY, C. Additional Coverages is amended to include:

Tenants Relocation Expense

This coverage is required by Massachusetts

law. This policy

provides relocation

expense benefits as follows:

When a rented living quarters in a building covered by this policy is made uninhabitable
as a result of a loss by fire, this policy covers relocation expense incurred by the tenant
or lawful occupant to relocate to other living quarters in the shortest possible time. The
liability for relocation expense under this policy is limited to not more than $750 for a
rented living quarters. Your deductible does not apply to this coverage'
Relocation expense means documented, reasonable and necessary:
(1)
Costs of packing, insuring, storing and carting household goods;
Costs of securing new utility services less refunds from discontinued
l2l
services at the damaged Premises;
(3)
Costs of searching for other quarters;

l4l
(5)

Costs of disconnecting and reconnecting household appliances;
Additional living expenses while searching for or awaiting possession of
other quarters or the restoration of existing quarters;
commencing with the date of damage to the covered building and not limited by
the expiration date of this policy.
Relocation expense does not mean:
(1)
Loss caused by the termination of a lease or other agreement;

(21

Security deposits or other payments made to the landlord or lessor of
other quarters;

(3)

Down payments, legal fees and closing costs incidental to the purchase
of other quarters.

Rented Living Ouarters means a room, suite of rooms or apartment rented as a single
residential unit by one or more persons.

Pagc 1 oÍ 2

PCHO-TRE-MA (09/04)

Exhibit A Page 000143

Rented Living Ouarters does not mean one or more rooms occupied by one or more
persons as roomers in a hotel, motel, public or private lodging or rooming house where
the premises are occupied on a transient basis.
Other lnsurance

a. lf at the time of loss, the tenant or lawful occupant has other

insurance that
covers relocation expense, we shall not be liable for any loss under this coverage
until the liability of such other insurance has been exhausted'

b. lf you

have other insurance that covers relocation expense, payment under this
policy will be prorated with such insurance f or the smaller of the incurred
relocation expense or $750 all after application of the other insurance of the
tenant or lawful occupant.

Loss Settlement

The claims of all persons occupying the rented living quarters will be settled with and
payment made to the tenant or lawful occupant renting the quarters from the building
owners, or lessor,

Pagc 2 of 2

PCHO-TRE-MA (09/04)

Exhibit A Page 000144