INFORMATION NOTICE RENTERS POLICY SUMMARY AND RELATED DISCLOSURES

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1 INFORMATION NOTICE RENTERS POLICY SUMMARY AND RELATED DISCLOSURES THIS INFORMATIVE OOKLET, CONTAINING: a) Information notice, including policy summary and related disclosures, and b) Glossary, SHALL E AVAILALE TO THE POLICYHOLDER EFORE THE EXECUTION OF THE CONTRACT. PLEASE READ THE INFORMATION CONTAINED IN THIS INFORMATIVE OOKLET CAREFULLY _01 ITAPSR(02) Rev Page 1 of 6

2 INFORMATION NOTICE RENTERS POLICY SUMMARY AND RELATED DISCLOSURES This information notice has been drawn up in accordance with ISVAP's form, but its content is not subject to ISVAP's prior approval. The policy-holder shall familiarize him/herself with the insurance conditions before accepting the policy. This is a summary of the USAA Renters insurance policy issued by USAA Limited. It does not contain its full terms, conditions, or exclusions. Please read the policy for detailed coverage information. Coverage only applies when there is a corresponding premium shown on the Declarations page. The USAA Limited Renters policy is written in English. COMPENSATION SCHEME USAA Limited is covered by the Financial Services Compensation Scheme (FSCS). Depending on the type of business and the circumstances of the claim, you may be entitled to compensation from the scheme if we cannot meet our obligations. For more information, contact the FSCS: Financial Services Compensation Scheme 7th Floor Lloyds Chambers Portsoken Street London E1 8N England POLICY TERRITORY The USAA Limited Renters policy provides worldwide coverage for losses that occur during the policy period shown on your Declarations page. COVERAGES If you rent a house or apartment, theft and fire/flood damage to your belongings is generally not covered by your landlord or the government. The USAA Limited Renters policy offers: Coverage limits starting at $2,500. Higher limits are available at an additional cost and a deductible may also apply. Lower limits apply only to certain, specifically described property. Moving and storage coverage and protection against flood damage. For coverage to apply, property must be under a bill of lading or other professional shipping document. Covered Property Unless listed under Property Not Covered in the USAA Limited Renters policy, we cover all personal property anywhere in the world owned by: Any insured. Someone else, when it is at an insured's residence or in the insured's custody. Covered Causes of Loss The USAA Limited Named Perils Renters policy insures for direct physical loss to covered property when caused by any one or more of the CAUSES OF LOSS described in the policy and when not contributed to concurrently or in any sequence by any cause or event excluded in CAUSES OF LOSS NOT COVERED. Fire and lightning Windstorm or hail Flood and water Earthquake Explosion Smoke Aircraft Vehicles Collapse of building Theft Vandalism and malicious mischief Riot and civil commotion Falling objects Sudden and accidental tearing apart, cracking, burning or bulging Freezing Sudden and accidental damage from artificially generated electrical current ITAPSR(02) Rev Page 2 of 6

3 Volcanic eruption Water damage caused by gradual seepage of water through building or LIMITATIONS AND EXCLUSIONS basement walls, roofs, windows, doors, foundations, or floor Property Not Covered Direct loss by fire, explosion, or theft resulting from covered water damage Property separately described and Wear and tear, marring, scratching, specifically insured in whole or in part deterioration or depreciation by another policy Inherent vice, unnoticed defect, Aircraft and parts mechanical breakdown Animals, birds, or fish Smog, rust, corrosion, mold, mildew, or uilding materials and supplies for wet/dry rot construction Smoke from agricultural smudging or usiness data industrial operations Motor vehicles or all other motorized Release, discharge, or dispersal of land conveyances contaminants or pollutants Property in the custody of government irds, vermin, rodents, insects, or mail, private mail, or a package delivery domestic animals service Dampness of atmosphere or extremes Property rented to others or held for of temperature, unless the direct cause rental of loss is rain, snow, sleet or hail Property of roomers, boarders, tenants Refinishing, renovating, or repairing of or other residents property other than watches, jewelry, and furs Causes of Loss Not Covered We do not cover loss caused directly or indirectly by any of the following: Declared or undeclared war Civil War Insurrection Rebellion Revolution Warlike act by military force or military personnel Destruction, seizure, or use for a military purpose Discharge of nuclear weapons Nuclear reaction, radiation or radioactive contamination Neglect of an insured to use all reasonable means to save and preserve the property at and after the time of a loss Intentional loss Collision, other than collision with a land vehicle, sinking, swamping or stranding of watercraft, including their trailer, furnishings, equipment and outboard motors Destruction, confiscation, or seizure by order of any governmental or public authority When your property is in transit with a public carrier or in the custody of a storage facility, we do not cover loss caused by damage or breakage during loading or unloading, delay during shipping, insufficient packing or address, or breakage reakage of: Eyeglasses, contact lenses, glassware, and similar fragile articles Statuary, marbles, figurines, bric-a-brac, rare glass, porcelains, and similar articles Power Failure INFORMATION AOUT CANCELLATION Freezing of a plumbing, heating, air conditioning, automatic fire protective Cancellation sprinkler system, or household appliance. This includes discharge, leakage, or overflow from within the You may cancel the USAA Limited Renters policy at any time, as long as system or appliance caused by freezing ITAPSR(02) Rev Page 3 of 6

4 the effective date of cancellation isn't earlier than the date of your request. We may cancel the USAA Limited Renters policy by notifying you in writing at least 30 days before the date cancellation takes effect. This cancellation notice will be mailed to you at your last known mailing address. Proof of mailing will be sufficient proof of notice. When the USAA Limited Renters policy is canceled, the pro rated premium for the period from the date of cancellation to the expiration date will be refunded. If the return premium is not refunded with the notice of cancellation or when the USAA Limited Renters policy is returned to us, we will refund it within a reasonable time after the date cancellation takes effect. When you have not paid your premium, we may cancel at any time by mailing to your last known address written notice at least 10 days before the date cancellation takes effect. CLAIMS AND POLICY SERVICE CONTACT INFORMATION USAA LIMITED 4th Floor Fitzwilliam House 10 St Mary Axe London EC3A 8AE England Registration No: Policy Service: Claims Service: USAA Limited is a firm regulated by the laws of the United Kingdom and operates under Freedom of Services in Italy and other European Union locations. USAA Limited belongs to the USAA Group of companies, with its parent home office in San Antonio, Texas, USA. CLAIMS HANDLING - NOTIFICATION OF A CLAIM If a loss occurs that may be covered by the USAA Limited Renters policy, you must do the following: Non-Renewal In case of a loss by theft, vandalism, or malicious mischief, immediately notify the We may elect not to renew the USAA Limited Renters policy. We may do so by mailing written notice to you at your last known mailing address, at least 30 days before the expiration police or military authority, whichever has jurisdiction over the location where the loss occurred. Immediately notify the credit card or fund transfer card company. date of the USAA Limited Renters policy. Proof of mailing will be sufficient proof of notice. Protect the property from further damage. REDRESS Appraisal If one of us does not agree on the amount of loss, either party can demand that the amount of the loss be determined by appraisal. Choice of Law It is hereby expressly agreed that the Courts competent for the settlement of disputes, which may arise between us and you with regard to the USAA Limited Renters policy, are the Courts of England. Contact us as soon as possible and tell us as much as you can about the loss. Submit a proof of loss when required by us. Send us receipts, appraisals or other proof of ownership or value. Tell us if there is a lien on the property and who holds it. If required by us, you must show us the property and answer our questions. You must tell us about the loss within 91 days after the loss is discovered. Unless you are reasonably prevented from doing this, your claim will not be accepted. ITAPSR(02) Rev Page 4 of 6

5 STATEMENT OF PRICE The Declarations page and billing statement include your total amount of premium and fees. Italy charges an Insurance Premium Tax on property insurance premiums. We are required to collect the tax and forward it to the local authorities. We will display the tax amount separately on the USAA Limited Renters policy and billing statement. NOTICE OF DELAY OR DEFERMENT IN CLAIM PAYMENT DUE TO LATE PAYMENT OR NONPAYMENT OF PREMIUM In accordance with regulatory rules, claim payment due to an insured may be delayed or deferred if the insured has been previously advised of an outstanding premium due to USAA Limited. A claim may not be paid in full until premiums have been paid. REQUESTING AN ADDITIONAL COPY OF YOUR POLICY You have the right to request an additional copy of the USAA Limited Renters policy at renewal. COMPLAINTS USAA Limited strives to provide excellent service. If you have any complaints about our service, please refer to the Form USAA Limited Complaints Procedures in the USAA Limited Renters policy packet. Complaints may subsequently be referred to the Financial Ombudsman Service. ITAPSR(02) Rev Page 5 of 6

6 Glossary (The definitions of terms listed as singular are intended to refer to the plural as well) Insured: The person listed in the Declarations and residents of your household who are your relatives or other persons under the age of 21 and in the care of you. Insurer: USAA Limited, the company providing this insurance. Actual cash value: The replacement cost of the property at the time of loss less a deduction for depreciation based on its age and usage. odily injury: odily harm, sickness or disease, including required care, loss of services and death that results. usiness: Trade, profession or occupation. Insured location: Your principal place of residence. Property damage: Physical injury to, destruction of, or loss of use of tangible property. Residence employee: An employee of an insured whose duties are related to the maintenance or use of the place of residence, including household or domestic services or one who performs similar duties elsewhere not related to the business of an insured. USAA Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. ITAPSR(02) Rev Page 6 of 6

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