Kansas Coverage Comparisons

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1 The Universal Security Policy Kansas Coverage Comparisons Comparing some of the coverages offered under our Special, Deluxe and Elite levels of coverage to standard industry homeowners, dwelling fire and personal auto insurance policies

2 The Universal Security Policy excels at all coverage levels At Encompass Insurance, we re committed to making insurance easy to understand and easy to buy. With the Universal Security Policy (USP), we re also committed to giving you the flexibility of three levels of coverage: Special, Deluxe and Elite. You may choose one level for homeowners and a different level for auto. So, you can choose a plan that matches your needs and budget. The USP offers higher limits and special features most ordinary policies don t include. These coverage comparisons allow you to see for yourself the advantages of the USP. Our Special, Deluxe and Elite levels are compared to the industry standard homeowners ( HO-3, edition 10/00) insurance policy, and our Dwelling Fire coverage is compared to the industry's dwelling fire ( DP3, edition 10/00) policy. Our motor vehicle coverages are compared to the industry standard personal auto policy ( ISO PAP, edition 10/00). Plus, the USP lets you tailor the coverage to help meet your unique needs by offering additional coverage options at affordable prices. Some additional coverage options are: HomeWork Supplement Liability coverage and increased business property coverage for many aspects of your home-based business. Lifestyle Enhancement - Unique combination of liability and property coverage made for the lifestyle of today s policyholders, including coverage for Family Members in a Resident Health Care Facility, increased coverage for unscheduled jewelry, and additional coverage for sports and hobby equipment with a low $50 deductible. Identity Fraud Expense Coverage - Provides coverage up to $20,000 for expenses you incur as a result of someone who has used your identity for unlawful activities. Excess Coverage Protection An option that increases your limit for covered injuries to others, up to $5 million. Personal Property Plus Provides additional perils coverage on contents (included in Elite). Water Backup of Sewers and Drains ($15,000 included in Elite). The USP policy offers the convenience of combining your home and auto insurance into one package policy. If your expiration dates for home and auto insurance are not the same, we give you a credit for existing insurance. When the first segment of the new package policy becomes effective, rates (including the package discount) and underwriting for the whole package are locked-in for the first policy term, but we don t begin to charge for the subsequent segments until each additional piece of existing insurance becomes effective with us. In addition to the convenience of one policy, another benefit of the package policy is one deductible. With the USP, if a single covered incident damages multiple covered exposures, the insured pays only one deductible the highest deductible of the involved risks. Compare that to separate monoline policies which have a separate deductible for each policy! The USP provides really good insurance, but there are other reasons to buy the USP. You ll like our responsive claim service, our convenient Encompass Easy Pay plan, our money-saving discounts and the confidence of working with your independent insurance agent. 2 of 6

3 CATEGORY HOME Internal limits Comparison STANDARD HOMEOWNERS (HO-3, ed. 10/00) SPECIAL DELUXE ELITE Jewelry and Furs Theft $1,500 $1,500 $10,000 Misplaced or Lost Jewelry (includes stones from their settings) (no per item limit) (no per item limit) (no per item limit) Silverware Theft Misplaced or Lost $10,000 Money and Coins $200 $200 $500 $1,000 Business Property at Home On Premises (at home) Off Premises (away from home) Firearms Theft Misplaced or Lost $1,500 $1,250 $2,000 $10,000 Valuable Papers and Stamps $1,500 $1,000 Boats, including their trailers $1,500 $1,000 $1,000 $2,000 Trailers not used with watercraft $1,500 $1,000 $1,000 $3,000 Electronic Equipment Used with an Auto Coverage for certain specific electronic equipment (e.g., transportable car phones, CD players, etc.) not permanently installed in the vehicle $1,500 No internal limit No internal limit No internal limit CATEGORY Real Property Payment for covered loss to insured dwelling may exceed the property location limit in certain situations Dwelling Replacement Cost provided when dwelling is not repaired or replaced Replacement Cost Contents (RCC) Reasonable cost to repair or to replace covered personal property to its condition prior to a covered loss Property Location Limit Ability to use a combined property limit for a covered loss to your home, contents or other structures Loss Settlement and Liability Provisions STANDARD HOMEOWNERS (HO-3, ed. 10/00) SPECIAL DELUXE ELITE For losses up to (up to 125% of residence value) For losses up to $3,000 For losses up to $3,000 For losses up to the available amount of coverage (sublimits for coverage A, B, C, D) 180% of the residence value if RCC on policy (10% of aggregate available for Other Structures) 200% of the residence value (10% of aggregate available for Other Structures) 200% of the residence value (10% of aggregate available for Other Structures) 3 of 6

4 CATEGORY HOME STANDARD HOMEOWNERS (HO-3, ed. 10/00) SPECIAL DELUXE ELITE Mortgage Extra Expense Coverage for increased monthly mortgage costs due to a covered total loss Not available Not available $20,000 $20,000 Additional Living Expense Coverage for necessary increases in living expenses incurred when your home is uninhabitable due to a covered loss 20% of Coverage A Unlimited; Up to one year Unlimited; Up to one year Unlimited; No time limit Building Ordinance Increased Costs Coverage for increased costs due to building code changes regulating the construction, repair or demolition of your property due to damage from a covered loss 10% of Coverage A Personal Home Computers Coverage beyond the covered causes of loss named in standard policies for contents Provided up to $10,000 plus $1,000 to recreate data with no sublimit plus to recreate data Land Restoration Coverage for excavation, replacement, stabilization or filling of land under or around the foundation of your home related to repair or rebuilding due to a covered loss 5% of covered property loss to residence 7% of covered property loss to residence 10% of covered property loss to residence Lock Replacement Will replace the locks in your home when your keys are lost or stolen (deductible does not apply) Fine Arts Glass Breakage Coverage for breakage of fine arts glass, porcelain statuary or similar fragile items $500 $500 $500 Loss Assessment Coverage for losses assessed against you by a corporation or association of property owners due to a covered cause of loss $1,000 $1,000 $50,000 Trees and Shrubs Coverage for losses to trees and shrubs due to a covered cause of loss 5% of coverage A; limit; limit; 10% of residence value; $1,000/item limit Volunteer Wrongful Acts Coverage for legal liability for wrongful acts committed by a covered person in his/her capacity as a volunteer $10,000 defense; $10,000 judgment $10,000 defense; $10,000 judgment Medical Expense Payment for certain medical expenses due to accidental events occurring on or off your insured location $1,000 4 of 6

5 DWELLING FIRE Liability and Property Coverages STANDARD DWELLING FIRE CATEGORY (DP3, ed. 10/00 ) Basic Personal Liability Limit $100,000 Basic Medical Expenses Limit Contents Coverage 10% of Dwelling Value Loss Assessment $1,000 Additional Living Expense 10% of Coverage A 15% of Property Location Limit Goodwill Payments $750 Trees and Shrubs 5% of Coverage A; Fair Rental Value For loss of fair rental value if a covered loss makes your scheduled location uninhabitable within the Additional Living Expense limit for Trees, Shrubs and Lawns $500 per Tree or Shrub 20% of Dwelling Value; For Condos - 100% of contents limit Outdoor Antennas and Aerials Covered for limited perils Vandalism and Malicious Mischief to a Vacant Dwelling Excluded Internal Limits Comparison (Applicable only to owner occupied residences) Subject to deductible STANDARD DWELLING FIRE CATEGORY (DP3, ed. 10/00) Jewelry and Furs - Theft $1,500 Silverware - Theft Money and Coins $200 Business Property at Home On Premises (at home) Off Premises (away from home) $1,250 Firearms - Theft $2,000 Valuable Papers and Stamps $1,000 Boats, including their trailers $1,000 Trailers, not used with watercraft $1,000 Loss Settlement Provisions STANDARD DWELLING FIRE PROVISION (DP3, ed. 10/00) Real Property Payment for a covered loss to insured dwelling may exceed the property location limit in certain situations Dwelling Replacement Cost provided when not repaired or replaced Property Location Limit Ability to use a combined property limit for a loss to your home, contents or other structures for losses less than 5% of Coverage A and less than (sublimits for Coverage A,B,C,D) 120% of the Dwelling Amount for losses up to $3,000 (10% of aggregate available for Other Structures) 5 of 6

6 CATEGORY MOTOR VEHICLE COMPARISON ISO PAP (Ed. 10/00) SPECIAL DELUXE ELITE Rental Reimbursement $20 day/$600 maximum per occurrence 3 available options* 3 available options* $40 day/$1,200 maximum per occurrence** Towing ($50 or $75) ($50 or $75) $75 Automobile Emergency Transportation $20 Substitute transportation from place of covered loss to desired destination Automobile Trip Interruption $100 day/ Coverage for reasonable and necessary food, lodging and substitute transportation when a covered auto is disabled due to a covered loss while more than 100 miles away from the garaged location $500 maximum Automobile Electronic Equipment $1,000 Coverage for direct and accidental loss to audio, visual or data receiving and transmitting equipment provided it is permanently installed in your auto Air Bag Replacement Coverage Provides up to for the cost of reinstalling a factory installed air bag if it accidentally deploys when not caused by a comprehensive or collision loss Windshield Repair Comprehensive deductible will be waived if windshield is repaired rather than replaced * $20 day/$600 maximum; $30 day/$900 maximum; or $40 day/$1,200 maximum per occurrence ** higher limits may be purchased Encompass Insurance is underwritten by one or more of the following companies which have home offices located in Chicago, Illinois except where otherwise noted: The Continental Insurance Company The Buckeye Union Insurance Company The Fidelity & Casualty Insurance Company of New York National-Ben Franklin Insurance Company of Illinois The Glens Falls Insurance Company The Mayflower Insurance Company, Ltd. Kansas City Fire & Marine Insurance Company Commercial Insurance Company of Newark, NJ Fireman s Insurance Company of Newark, NJ The Continental Insurance Company of New Jersey Boston Old Colony Insurance Company Continental Lloyd s Insurance Company, Home Office: Dallas, TX This chart is for illustrative purposes only and is not a contract. It is intended to provide a general overview of some of the coverages offered under the Universal Security Policy. Please remember that only the insurance policy can give actual terms, coverages, limits, conditions and exclusions. Coverages are subject to availability and qualifications. Other terms, conditions and exclusions may apply Encompass Holdings, LLC. Encompass Holdings, LLC is a subsidiary of Allstate Insurance Company, which is the exclusive administrator of the personal auto and homeowners insurance products issued through the insurance subsidies of CNA Financial Corporation. Home Office: Chicago, IL. Subject to availability and qualifications. 6 of 6

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