HOME AUTO VALUABLES UMBRELLA LIABILITY OVERALL

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1 Home Policy Feature Full replacement cost Rebuilds home and other structures at existing property after a total loss even if the cost exceeds the policy limit; if the land is unusable, coverage is available at a new location. Additions & alterations Covers full cost of rebuilding additions and alterations. Cash settlement Replacement cost for contents Flexible limits Loss of use Medical expenses Primary flood / surface water Ensuing Mold Sewer, drain backup Deductible waiver Realty tax assessment Offers to receive cash payment equal to replacement cost up to dwelling limit if not rebuilding after a total loss. Replaces damaged personal property without applying depreciation. Flexibility to tailor coverage limits increase or decrease for personal property and other structures. Unlimited loss of use coverage to maintain living standard while home is being repaired or civil authorities have mandated an evacuation. 3 Pays for bodily injury medical expenses to a third party as a result of an accident caused by you or a domestic pet, or an accident occurring on your property does not reduce limit of liability. Covers physical loss or damage to residence, personal property, and other structures, including debris removal, caused directly by surface water or flood. Covers losses due to mold or bacteria ensuing from another covered loss; s up to 100 percent of dwelling limit available. Covers backup of sewers and drains not caused by surface water or flood; provided without a separate sublimit. Waives deductible for losses over $50,000 in most cases if deductible is $50,000 or less. Covers increased tax liability directly related to repair, rebuilding, or reconstruction of damaged property in the event of a total covered loss. 2 $50,000 $1,000 $250K home / $100K contents $10,000 $25,000 Identity fraud Covers expenses due to identity fraud. $100,000 Kidnap expenses Pays cost of private investigators, attorneys, travel, and lost income. $100,000 Loss prevention devices Covers installation of devices that help prevent similar, future losses. $2,500 Family security Disability alterations Covers expenses and rewards related to home invasion, child abduction, car jacking, stalking, and more. Covers cost of making home accessible for a family member who becomes permanently disabled due to a sudden and accidental event. $50,000 4 Loss assessment Covers loss assessments levied by a property owner association. $100,000 $1,000 Landscaping Green upgrades Replaces or repairs trees, shrubs, plants, lawn after certain covered losses such as fire, explosion, lightning, vandalism, or theft. Pays to repair/replace covered damaged property with comparable green products or materials. $5,000 per item $10, As represented by the Insurance Services Organization basic HO policy. 2. Unavailable in AL, CA, FL, MS, SC. 3. Coverage for evacuation ceases after 30 days. Unlimited coverage unavailable in AL, CA, FL, HI, MS, SC. 4. Or, if less, 5 percent of dwelling limit. This list does not include all coverages available.

2 Auto Policy Feature Agreed value New for old Locks in the value of your vehicle to avoid depreciation if it becomes a total loss. Replaces your totaled auto with a comparable new one in the latest model year. Option must first be purchased when vehicle is no more than three years old and can be renewed until vehicle is ten years old. OEM parts Covers use of parts produced by the original manufacturer in repairs. Road service Overnight expenses Pays for on-the-spot emergency repairs or towing to nearest repair facility. Covers two nights expenses for breakdowns more than 50 miles from home. Reasonable cost $1,500 Lock replacement Replaces locks if keys are lost or stolen / with no deductible. / / Full glass coverage Repairs or replaces chipped or broken windows / with no deductible. / / Airbag replacement Rental reimbursement Rental loss of use Pays cost of repairing or replacing air bags that accidentally deploy / with no deductible. Pays for cost of car rental if insured vehicle is being repaired due to a covered loss total limit and daily limit. Covers loss of use fees levied by rental company for damage to vehicle total limit and daily limit. / $10,000 limit/day $10,000 limit/day / $600 $20/day $600 $20/day 1 As represented by the Insurance Services Organization (ISO) basic PP policy. This list does not include all coverages available.

3 Valuables Policy Feature Market value Blanket coverage Blanket per-item limit Pairs and sets Fragile item breakage Pays market value up to 150 percent of scheduled amount of insured item. Option to cover a group of items, such as jewelry or wine, is available for any type of collection. Maximum amount paid for one item covered under blanket coverage. ( s amount can be increased to $100,000.) Provides reimbursement as a total loss if one item of a pair or set is lost, damaged, or stolen and the matching items are surrendered. Pays for losses due to breaks or fractures of fragile items, such as sculptures, crystal, and china. $10,000 $250 to $1,000 1 As represented by the Insurance Services Organization (ISO) basic PM policy plus endorsements. This list does not include all coverages available.

4 Umbrella Policy Feature High limit availability Fills coverage gaps Uninsured/underinsured liability Private consultation Reputation damage Newly acquired autos and watercraft Rented or borrowed autos and watercraft Employment practices Directors & officers Family trust Up to $100 million in excess liability coverage for bodily injury, personal injury, and property damage. Coverage in Umbrella policy will pay from first dollar of loss if coverage gap exists in Home or Auto policy. Protects your family if they suffer bodily injury or property loss at the hands of a motorist or another third party who has no or insufficient insurance; up to $10 million available. Pays reasonable expenses for law firm of your choice to review and consult on the defense covered by the policy; s up to $250,000 available. Covers fees for a public relations firm to protect your reputation; s up to $250,000 available. Covers liability for bodily injury or property loss from the first dollar, in excess of other collectible insurance, resulting from your use of a newly acquired auto or watercraft within the first 60 days of ownership. Covers liability for bodily injury or property loss from the first dollar, in excess of other collectible insurance, resulting from your use of a rented or borrowed auto or watercraft over a period of 90 days or less. Covers lawsuits brought by private household staff for sexual harassment, discrimination, and wrongful termination. Protects unpaid board members or trustees of charitable organizations against lawsuits involving a variety of wrongful acts such as sexual harassment, discrimination, wrongful termination, libel, slander, invasion of privacy, and plagiarism. Covers damages resulting from a negligent act, error or omission, or breach of duty while carrying out your responsibilities as a trustee of a family trust. $25,000 $25, As represented by the Insurance Services Organization (ISO) basic DL policy.

5 Overall Policy Feature Portfolio approach One program, one bill covers many needs. Deductible reserve Reduces deductible on first claim by 10 percent for each prior claim-free year (for both Home and Auto). 1 As represented by the Insurance Services Organization (ISO) basic HO-5 policy. This list does not include all coverages available. Important tice: This brochure contains only a general description of the insurance coverages provided by our policies. Coverage terms are subject to change and can vary by state. The brochure does not include all of the benefits and limitations found in the policy. The insurance policy itself, not this descriptive brochure, will form the contract between the policyholder and the insurance company. Policies issued by Bankers Insurance Co., Insurance Company of the Midwest, and Atlantic Employers Insurance Co. Copyright 2014 PL

Replaces damaged personal property without applying depreciation in most cases. Yes No

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