AP2_ALLSTATE DELUXE HOMEOWNERS POLICY by xiaopangnv

VIEWS: 10 PAGES: 41

									                                                         Allstate
                                                         Deluxe
                                                         Homeowners
                                                         Policy




                                                     ®
Allstate Insurance Company                                                            ®
Home Office:
Northbrook, IL 60062         You’re in good hands.
AP2                                                           You’re in good hands.
                                                                                             1



Table of Contents




General                                          Additional Protection

 3   Definitions Used In This Policy             16 Additional Living Expense
 5   Insuring Agreement                          17 Credit Card, Bank Fund Transfer Card,
 5   Agreements We Make With You                    Check Forgery and Counterfeit Money
 5   Conformity To State Statutes                17 Debris Removal
 5   Coverage Changes                            18 Emergency Removal Of Property
 5   Policy Transfer                             18 Fire Department Charges
 5   Continued Coverage After Your Death         18 Temporary Repairs After A Loss
 6   Cancellation                                18 Trees, Shrubs, Plants and Lawns
 6   Concealment Or Fraud                        18 Temperature Change
                                                 18 Power Interruption
Section I — Your Property                        19 Arson reward
                                                 19 Collapse
Coverage A                                       19 Land
Dwelling Protection
                                                 Section I Conditions
7    Property We Cover Under Coverage A
7    Property We Do Not Cover Under Coverage A   20   Deductible
                                                 20   Insurable Interest and Our Liability
Coverage B                                       20   What You Must Do After A Loss
Other Structures Protection                      21   Our Settlement Options
                                                 21   How We Pay For A Loss
7    Property We Cover Under Coverage B          23   Our Settlement Of Loss
7    Property We Do Not Cover Under Coverage B   23   Appraisal
7    Losses We Cover Under Coverages A and B     24   Abandoned Property
8    Losses We Do Not Cover Under Coverages A    24   Permission Granted To You
     and B                                       24   Our Rights To Recover Payment
                                                 24   Our Rights To Obtain Salvage
Coverage C                                       24   Suit Against Us
Personal Property Protection                     25   Loss To A Pair Or Set
                                                 25   Glass Replacement
11   Property We Cover Under Coverage C          25   No Benefit To Bailee
11   Limitations On Certain Personal Property    25   Other Insurance
12   Property We Do Not Cover Under Coverage C   25   Property Insurance Adjustment
13   Losses We Cover Under Coverage C            26   Mortgagee
14   Losses We Do Not Cover Under Coverage C
 2



Table of Contents (Continued)




Section II — Family Liability and
Guest Medical Protection                       Section III —- Optional Protection

Coverage X                                     Optional Coverages
Family Liability Protection                    You May Buy

27 Losses We Cover Under Coverage X            34 Coverage BC
27 Losses We Do Not Cover Under Coverage X        Building Codes
                                               34 Coverage BP
Coverage Y                                        Increased Coverage On Business Property
Guest Medical Protection                       35 Coverage DP
                                                  Increased Coverage On Electronic
29 Losses We Cover Under Coverage Y               Data Processing Equipment
29 Losses We Do Not Cover Under Coverage Y     35 Coverage F
                                                  Fire Department Charges
Additional Protection                          35 Coverage G
                                                  Loss Assessments
32 Claim Expenses                              36 Coverage J
32 Emergency First Aid                            Extended Coverage On Jewelry, Watches
32 Damage To Property Of Others                   and Furs
                                               36 Coverage K
                                                  Incidental Office, Private School Or Studio
Section II Conditions                          37 Coverage LR
                                                  Lock Replacement
33 What You Must Do After An Accidental Loss   37 Coverage M
33 What An Injured Person Must Do —               Increased Coverage On Money
   Coverage Y Guest Medical Protection         37 Coverage P
33 Our Payment of Loss — Coverage Y               Business Pursuits
   Guest Medical Protection                    38 Coverage S
33 Our Limits Of liability                        Increased Coverage On Securities
34 Bankruptcy                                  38 Coverage SD
34 Our Rights To Recover Payment —                Satellite Dish Antennas
   Coverage X Family Liability Protection      38 Coverage SE
34 Suit Against Us                                Cellular Communication Systems
34 Other Insurance — Coverage X — Family       38 Coverage ST
   Liability Protection                           Increased Coverage On Theft Of Silverware
                                                                                                      3



Allstate Insurance Company
The Company Named in the Policy Declarations
A Stock Company — Home Office: Northbrook, Illinois 60062



Definitions Used In This Policy                       a) any venereal disease;
1. “You” or “your” — means the person named           b) Herpes;
   on the Policy Declarations as the insured and      c) Acquired Immune Deficiency Syndrome
   that person’s resident spouse.                        (AIDS);
                                                      d) AIDS Related Complex (ARC);
2. “Allstate,” “we,” “us,” or “our” — means the       e) Human Immunodeficiency Virus (HIV);
   company named on the Policy Declarations.
                                                      or any resulting symptom, effect, condition,
3. “Insured person(s)” — means you and, if a          disease or illness related to (a) through (e)
   resident of your household:                        listed above.
   a) any relative; and
   b) any dependent person in your care.              Under Coverage Y — Guest Medical
                                                      Protection, bodily injury means physical
   Under Coverage X — Family Liability                harm to the body, including sickness or
   Protection and Coverage Y — Guest                  disease, except that bodily injury does not
   Medical Protection, “insured person” also          include:
   means:                                             a) any venereal disease;
   c) any person or organization legally              b) Herpes;
      responsible for loss caused by animals or       c) Acquired Immune Deficiency
      watercraft covered by this policy which             Syndrome(AIDS);
      are owned by an insured person. We do           d) AIDS Related Complex (ARC);
      not cover any person or organization using      e) Human Immunodeficiency Virus (HIV);
      or having custody of animals or watercraft
      in any business, or without permission of       or any resulting symptom, effect, condition,
      the owner.                                      disease or illness related to (a) through (e)
                                                      listed above.
   d) with respect to the use of any vehicle
      covered by this policy, any person while     5. “Building structure”— means a structure
      engaged in the employment of an insured         with walls and a roof.
      person.
                                                   6. “Business” — means:
4. “Bodily injury” — means physical harm to           a) any full or part-time activity of any kind
   the body, including sickness or disease, and          engaged in for economic gain including the
   resulting death, except that bodily injury            use of any part of any premises for such
   does not include:                                     purposes. The providing of home day care
                                                         services to other than an insured person
                                                         or relative of an insured person for
                                                         economic gain is also a business.
 4




     However, the mutual exchange of home day                    built as that person’s residence;
        care services is not considered a business;           6) any premises used by an insured
     b) any property rented or held for rental by                person in connection with the
        an insured person. Rental of your                        residence premises;
        residence premises is not considered a                7) any part of a premises occasionally
        business when:                                           rented to an insured person for
        1) it is rented occasionally for residential             other than business purposes.
            purposes;
        2) a portion is rented to not more than        9. “Occurrence” — means an accident,
            two roomers or boarders; or                   including continuous or repeated exposure to
        3) a portion is rented as a private garage.       substantially the same general harmful
                                                          conditions during the policy period, resulting
7. “Residence premises” — means the                       in bodily injury or property damage.
   dwelling, other structures and land located
   at the address stated on the Policy                 10. “Property damage” — means physical injury
   Declarations.                                           to or destruction of tangible property,
                                                           including loss of its use resulting from such
8. “Insured premises” — means:                             physical injury or destruction.
   a) the residence premises; and
   b) under Section II only:                           11. “Residence employee” — means an
       1) the part of any other premises, other            employee of an insured person while
          structures and grounds used by you               performing duties arising out of and in the
          as a residence. This includes                    course of employment in connection with the
          premises, structures and grounds you             maintenance or use of your residence
          acquire for your use as a private                premises. This includes similar duties
          residence while this policy is in effect;        performed elsewhere for an insured person,
       2) any part of a premises not owned by              not in connection with the business of an
          an insured person but where an                   insured person.
          insured person is temporarily living;
       3) cemetery plots or burial vaults owned        12. “Dwelling” — means a one, two, three or four
          by an insured person;                            family building structure, identified as the
       4) vacant land, other than farmland,                insured property on the Policy Declarations,
          owned by or rented to an insured                 where you reside and which is principally
          person;                                          used as a private residence.
       5) land owned by or rented to an
          insured person where a one, two,
          three or four family dwelling is being
                                                                                                       5




Insuring Agreement                                    Conformity To State Statutes
In reliance on the information you have given us,     When the policy provisions conflict with the
Allstate agrees to provide the coverages indicated    statutes of the state in which the residence
on the Policy Declarations. In return, you must       premises is located, the provisions are amended
pay the premium when due and comply with the          to conform to such statutes.
policy terms and conditions, and inform us of any
change in title, use or occupancy of the residence    Coverage Changes
premises.                                             When Allstate broadens coverage during the
                                                      premium period without charge, you have the
Subject to the terms of this policy, the Policy       new features if you have the coverage to which
Declarations shows the location of the residence      they apply. Otherwise, the policy can be changed
premises, applicable coverages, limits of liability   only by endorsement.
and premiums. The policy applies only to losses
or occurrences that take place during the policy      The coverage provided and the premium for the
period. The policy period is shown on the Policy      policy is based on information you have given us.
Declarations. This policy is not complete without     You agree to cooperate with us in determining if
the Policy Declarations.                              this information is correct and complete. You
                                                      agree that if this information changes, is incorrect
The terms of this policy impose joint obligations     or incomplete, we may adjust your coverage and
on the person named on the Policy Declarations as     premium accordingly during the policy period.
the insured and on that person’s resident spouse.
These persons are defined as you or your. This        Any calculation of your premium or changes in
means that the responsibilities, acts and             your coverage will be made using the rules, rates
omissions of a person defined as you or your will     and forms on file, if required, for our use in your
be binding upon any other person defined as you       state. The rates in effect at the beginning of your
or your.                                              current premium period will be used to calculate
                                                      any change in your premium.
The terms of this policy impose joint obligations
on persons defined as an insured person. This         Policy Transfer
means that the responsibilities, acts and failures    You may not transfer this policy to another
to act of a person defined as an insured person       person without our written consent.
will be binding upon another person defined as an
insured person.                                       Continued Coverage After Your Death
                                                      If you die, coverage will continue until the end of
Agreements We Make With You                           the premium period for:
We make the following agreements with you:            1) your legal representative while acting as
                                                          such, but only with respect to the residence
 6




   premises and property covered under this           If the cancellation is for non-payment of premium,
   policy on the date of your death.                  we will give you at least 10 days notice. If the
2) an insured person, and any person having           cancellation is for any of the other reasons, we
   proper temporary custody of your property          will give you at least 30 days notice.
   until a legal representative is appointed and
   qualified.                                         Our mailing the notice of cancellation to you will
                                                      be deemed proof of notice. Coverage under this
Cancellation                                          policy will terminate on the effective date and
Your Right to Cancel:                                 hour stated on the cancellation notice. Your
You may cancel this policy by notifying us of the     return premium, if any, will be calculated on a pro
future date you wish to stop coverage.                rata basis and refunded at the time of cancellation
                                                      or as soon as possible. However, refund of
Our Right to Cancel:                                  unearned premium is not a condition of
Allstate may cancel this policy by mailing notice     cancellation.
to you at the mailing address shown on the Policy
Declarations. When this policy has been in effect     Our Right Not to Renew or Continue:
for less than 60 days, and it is not a renewal with   Allstate has the right not to renew or continue
us, we may cancel this policy for any reason by       the policy beyond the current premium period. If
giving you at least 10 days notice before the         we do not intend to continue or renew the policy,
cancellation takes effect.                            we will mail you notice at least 30 days before
                                                      the end of the premium period. Our mailing the
When the policy has been in effect for 60 days or
                                                      notice of nonrenewal to you will be deemed proof
more, or if it is a renewal with us, we may cancel
                                                      of notice.
this policy for one or more of the following
reasons:
                                                      Concealment Or Fraud
1) non-payment of premium;
                                                      This policy is void if it was obtained by
2) the policy was obtained by misrepresentation,
                                                      misrepresentation, fraud or concealment of
    fraud or concealment of material facts;
                                                      material facts. If it is determined that this policy
3) material misrepresentation, fraud or
                                                      is void, all premiums paid will be returned to you
    concealment of material facts in presenting a
                                                      since there has been no coverage under this
    claim, or violation of any of the policy terms;
                                                      policy.
    or
4) there has been a substantial change or
                                                      We do not cover any loss or occurrence in which
    increase in hazard in the risk we originally
                                                      any insured person has concealed or
    accepted.
                                                      misrepresented any material fact or circumstance.
                                                                                                       7



Section I — Your Property




Coverage A                                             2. Structures attached to your dwelling by only
Dwelling Protection                                       a fence, utility line, or similar connection.

Property We Cover Under Coverage A:                    3. Construction materials and supplies at the
1. Your dwelling including attached structures.           address of the residence premises for use in
   Structures connected to your dwelling by               connection with structures other than your
   only a fence, utility line, or similar connection      dwelling.
   are not considered attached structures.
                                                       4. Wall-to-wall carpeting fastened to other
2. Construction materials and supplies at the             building structures.
   residence premises for use in connection
   with your dwelling.                                 Property We Do Not Cover Under Coverage B:
                                                       1. Structures used in whole or in part for
3. Wall-to-wall carpeting fastened to your                business purposes.
   dwelling.
                                                       2. Any structure or other property covered under
Property We Do Not Cover Under Coverage A:                Coverage A — Dwelling Protection.
1. Any structure including fences or other
   property covered under Coverage B — Other           3. Land, no matter where located, or the
   Structures Protection.                                 replacement, rebuilding, restoration,
                                                          stabilization or value of any such land.
2. Land, except as specifically provided in
   Section I — Additional Protection under             4. Construction materials and supplies at the
   item 12, “Land.”                                       address of the residence premises for use in
                                                          connection with the dwelling.
3. Satellite dish antennas and their systems,
   whether or not attached to your dwelling.           5. Satellite dish antennas and their systems,
                                                          whether or not attached to building
Coverage B                                                structures.
Other Structures Protection
                                                       Losses We Cover Under Coverages A and B:
Property We Cover Under Coverage B:                    We will cover sudden and accidental direct
1. Structures at the address shown on the Policy       physical loss to property described in Coverage
   Declarations separated from your dwelling           A — Dwelling Protection and Coverage B —
   by clear space.                                     Other Structures Protection except as limited
                                                       or excluded in this policy.
 8




Losses We Do Not Cover Under Coverages                     This exclusion applies whether or not the
A and B:                                                   earth movement is combined with water.
We do not cover loss to the property described in
Coverage A — Dwelling Protection or                        We do cover sudden and accidental direct
Coverage B — Other Structures Protection                   physical loss caused by fire, explosion, theft or
consisting of or caused by:                                breakage of glass or safety glazing materials
1. Flood, including, but not limited to surface            resulting from earth movement.
    water, waves, tidal water or overflow of any
    body of water, or spray from any of these,          6. Enforcement of any building codes, ordinances
    whether or not driven by wind.                         or laws regulating the construction,
                                                           reconstruction, maintenance, repair,
2. Water or any other substance that backs up              placement or demolition of any building
   through sewers or drains.                               structure, other structure or land at the
                                                           residence premises.
3. Water or any other substance that overflows
   from a sump pump, sump pump well or other               We do cover sudden and accidental direct
   system designed for the removal of subsurface           physical loss caused by actions of civil
   water which is drained from a foundation area           authority to prevent the spread of fire.
   of a structure.
                                                        7. The failure by any insured person to take all
4. Water or any other substance on or below the            reasonable steps to preserve property when
   surface of the ground, regardless of its source.        the property is endangered by a cause of loss
   This includes water or any other substance              we cover.
   which exerts pressure on, or flows, seeps or
   leaks through any part of the residence              8. Any substantial change or increase in hazard,
   premises.                                               if changed or increased by any means within
                                                           the control or knowledge of an insured
     We do cover sudden and accidental direct              person.
     physical loss caused by fire, explosion or theft
     resulting from items 1 through 4 listed above.     9. Intentional or criminal acts of or at the
                                                           direction of any insured person, if the loss
5. Earth movement of any type, including, but              that occurs:
   not limited to earthquake, volcanic eruption,           a) may be reasonably expected to result from
   lava flow, landslide, subsidence, mudflow,                  such acts; or
   pressure, sinkhole, erosion, or the sinking,            b) is the intended result of such acts.
   rising, shifting, creeping, expanding, bulging,
   cracking, settling or contracting of the earth.
                                                                                                    9




This exclusion applies regardless of whether or       b) mechanical breakdown;
   not the insured person is actually charged         c) growth of trees, shrubs, plants or lawns
   with, or convicted of a crime.                        whether or not such growth is above or
                                                         below the surface of the ground;
10. Nuclear action, meaning nuclear reaction,         d) rust or other corrosion, mold, wet or dry
    discharge, radiation or radioactive                  rot;
    contamination or any consequence of any of        e) contamination, including, but not limited
    these. Loss caused by nuclear action is not          to the presence of toxic, noxious or
    considered loss by fire, explosion or smoke.         hazardous gasses, chemicals, liquids,
                                                         solids or other substances at the
    We do cover sudden and accidental direct             residence premises or in the air, land or
    physical loss by fire resulting from nuclear         water serving the residence premises;
    action.                                           f) smog, smoke from the manufacturing of
                                                         any controlled substance, agricultural
11. War or warlike acts, including but not limited       smudging and industrial operations;
    to, insurrection, rebellion or revolution.        g) settling, cracking, shrinking, bulging or
                                                         expansion of pavements, patios,
12. Collapse, except as specifically provided in         foundations, walls, floors, roofs or ceilings;
    Section I — Additional Protection under           h) insects, rodents, birds or domestic
    item 11, “Collapse.”                                 animals. We do cover the breakage of
                                                         glass or safety glazing materials caused by
13. Soil conditions, including but not limited to,       birds; or
    corrosive action, chemicals, compounds,           i) seizure by government authority.
    elements, suspensions, crystal formations or
    gels in the soil.                                 If any of (a) through (h) cause the sudden and
                                                      accidental escape of water or steam from a
14. Vapors, fumes, acids, toxic chemicals, toxic      plumbing, heating or air conditioning system,
    gasses, toxic liquids, toxic solids, waste        household appliance or fire protective
    materials or other irritants, contaminants or     sprinkler system within your dwelling, we
    pollutants.                                       cover the direct physical damage caused by
                                                      the water or steam. If loss to covered property
In addition, we do not cover loss consisting of or    is caused by water or steam not otherwise
caused by any of the following:                       excluded, we will cover the cost of tearing out
                                                      and replacing any part of your dwelling
15.,a)   wear and tear, aging, marring, scratching,
         deterioration, inherent vice, or latent
         defect;
10




     necessary to repair the system or appliance.     19. Theft from your residence premises while
     This does not include damage to the defective        your dwelling is under construction, or of
     system or appliance from which the water             materials and supplies for use in
     escaped.                                             construction, until your dwelling is
                                                          completed and occupied.
16. Freezing of plumbing, fire protective sprinkler
                                                      20. Vandalism or Malicious Mischief if your
    systems, heating or air conditioning systems
                                                          dwelling is vacant or unoccupied for more than
    or household appliances, or discharge, leakage
                                                          30 consecutive days immediately prior to the
    or overflow from within the systems or
                                                          vandalism or malicious mischief. A dwelling
    appliances caused by freezing, while the
                                                          under construction is not considered vacant or
    building structure is vacant, unoccupied or
                                                          unoccupied.
    being constructed unless you have used
    reasonable care to:                               21. Weather Conditions that contribute in any
    a) maintain heat in the building structure; or        way with a cause of loss excluded in this
    b) shut off the water supply and drain the            section to produce a loss.
        system and appliances.
                                                      22. Planning, Construction or Maintenance,
                                                          meaning faulty, inadequate or defective:
17. Freezing, thawing, pressure or weight of
                                                          a) planning, zoning, development, surveying,
    water or ice, whether driven by wind or not.             siting;
    This exclusion applies only to fences,                b) design, specifications, workmanship,
    pavements, patios, swimming pools,                       repair, construction, renovation,
    foundations, retaining walls, bulkheads, piers,          remodeling, grading, compaction;
    wharves or docks.                                     c) materials used in repair, construction,
                                                             renovation or remodeling; or
18. Seepage, meaning continuous or repeated               d) maintenance;
    seepage or leakage over a period of weeks,
    months, or years, of water, steam or fuel:           of property whether on or off the residence
    a) from a plumbing, heating, air conditioning        premises by any person or organization.
        or automatic fire protection system or
        from within a domestic appliance; or          23. We do not cover loss to covered property
    b) from, within or around any plumbing                described in Coverage A — Dwelling
        fixtures, including, but not limited to           Protection or Coverage B — Other
                                                          Structures Protection when:
        shower stalls, shower baths, tub
                                                          a) there are two or more causes of loss to the
        installations, sinks or other fixtures
                                                              covered property; and
        designed for the use of water or steam.
                                                          b) the predominant cause(s) of loss is (are)
                                                              excluded under Losses We Do Not
                                                              Cover, items 1 through 22 above.
                                                                                                       11




Coverage C                                                      from the residence premises. This
Personal Property Protection                                    does not include electronic data
                                                                processing equipment or the recording
Property We Cover Under Coverage C:                             or storage media used with that
1. Personal property owned or used by an                        equipment.
   insured person anywhere in the world.
   When personal property is located at a           3. $ 1,000 -Property used or intended for use in a
   residence other than the residence                           business, including property held as
   premises, coverage is limited to 10% of                      samples or for sale or delivery after
   Coverage C — Personal Property                               sale, while the property is on the
   Protection. This limitation does not apply to                residence premises. This does not
   personal property in a newly acquired                        include electronic data processing
   principal residence for the 30 days                          equipment or the recording or storage
   immediately after you begin to move property                 media used with that equipment.
   there or to personal property in student
   dormitory, fraternity or sorority housing.       4. $ 1,000 -Trading cards, subject to a maximum
                                                                amount of $250 per card.
2. At your option, personal property owned by a
   guest or residence employee while the            5. $ 1,000 -Accounts, bills, deeds, evidences of
   property is in a residence you are occupying.                debt, letters of credit, notes other
                                                                than bank notes, passports,
Limitations On Certain Personal Property:                       securities, tickets, and stamps,
Limitations apply to the following groups of                    including philatelic property.
personal property. If personal property can
reasonably be considered a part of two or more of   6. $ 1,000 -Manuscripts, including documents
the groups listed below, the lowest limit will                  stored on electronic media.
apply. These limitations do not increase the
amount of insurance under Coverage C —              7. $ 1,000 -Watercraft, including their attached
Personal Property Protection. The total                         or unattached trailers, furnishings,
amount of coverage for each group in any one loss               equipment, parts and motors.
is as follows:
                                                    8. $ 1,000 -Trailers not used with watercraft.
1. $ 200 -Money, bullion, bank notes, coins and
          other numismatic property.                9. $ 1,000 -Theft of jewelry, watches, precious
                                                                and semi-precious stones, gold other
2. $ 200 -Property used or intended for use in a
          business while the property is away
12




             than goldware, silver other than           Property We Do Not Cover Under Coverage C:
             silverware, platinum and furs,             1. Personal property specifically described and
             including any item containing fur             insured by this or any other insurance.
             which represents its principal value.
                                                        2. Animals.
10. $ 1,000 -Any motorized land vehicle parts,
             equipment or accessories not attached      3. Motorized land vehicles, including, but not
             to or located in or upon any motorized        limited to any land vehicle powered or
             land vehicle.                                 assisted by a motor or engine. We do not
                                                           cover any motorized land vehicle parts,
11. $ 2,000 -Theft of firearms.                            equipment or accessories attached to or
                                                           located in or upon any motorized land vehicle.
12. $ 2,500 -Theft of silverware, pewterware and           We do cover motorized land vehicles designed
             goldware.                                     for assisting the handicapped or used solely
                                                           for the service of the insured premises and
13. $5,000 - Electronic data processing equipment          not licensed for use on public roads.
             and the recording or storage media
             used with that equipment whether or        4. Aircraft and aircraft parts. This does not
                                                           include model or hobby craft not designed to
             not the equipment is used in a
                                                           carry people or cargo.
             business. Recording or storage
             media will be covered only up to:          5. Property of roomers, boarders, tenants not
             a) the retail value of the media, if          related to an insured person.
                pre-programmed; or
             b) the retail value of the media in        6. Property located away from the residence
                blank or unexposed form, if blank          premises and rented or held for rental to
                or self-programmed.                        others.

14. $10,000 -Theft of rugs, including, but not          7. Any device, cellular communication system,
             limited to any handwoven silk or wool         radar signal reception system, accessory or
             rug, carpet, tapestry, wall-hanging or        antenna designed for reproducing, detecting,
             other similar article whose principal         receiving, transmitting, recording or playing
             value is determined by its color,             back data, sound or picture which may be
             design, quality of wool or silk, quality      powered by electricity from a motorized land
             of weaving, condition or age; subject         vehicle or watercraft and while in or upon a
             to a maximum amount of $2,500 per             motorized land vehicle or watercraft.
             item.
                                                        8. Satellite dish antennas and their systems.
                                                                                                     13




Losses We Cover Under Coverage C:                        the manufacturing of controlled substances,
We will cover sudden and accidental direct               agricultural smudging or industrial
physical loss to the property described in               operations.
Coverage C — Personal Property
Protection, except as limited or excluded in this    8. Vandalism and Malicious Mischief.
policy, caused by:
1. Fire or Lightning.                                    We do not cover vandalism or malicious
                                                         mischief if your dwelling has been vacant or
2. Windstorm or Hail.                                    unoccupied for more than 30 consecutive days
                                                         immediately prior to the vandalism or
   We do not cover:
                                                         malicious mischief. A dwelling under
   a) loss to covered property inside a building
                                                         construction in not considered vacant or
      structure, caused by rain, snow, sleet,
                                                         unoccupied.
      sand or dust unless the wind or hail first
      damages the roof or walls and the wind
                                                     9. Falling objects.
      forces rain, snow, sleet, sand or dust
      through the damaged roof or wall;
                                                         We do not cover loss to personal property
   b) loss to watercraft and their trailers,
                                                         inside a building structure unless the
      furnishings, equipment and motors unless
      inside a fully enclosed building                   falling object first damages the exterior
      structure. However, we do cover canoes             walls or roof of the building structure.
      and rowboats on the residence
      premises.                                      10. Weight of ice, snow or sleet which causes
                                                         damage to personal property in a building
3. Explosion.                                            structure, but only if the building
                                                         structure is damaged due to the weight of
4. Riot or Civil Commotion, including pillage and        ice, snow or sleet.
   looting during, and at the site of, the riot or
   civil commotion.                                  11. Increase or decrease of artificially generated
                                                         electrical current to electrical appliances,
5. Aircraft, including self-propelled missiles and
                                                         fixtures and wiring.
   spacecraft.

6. Vehicles.                                         12. Bulging, burning, cracking or rupture of a
                                                         steam or hot water heating system, an air
7. Smoke.                                                conditioning system, an automatic fire
                                                         protection system or an appliance for heating
   We do not cover loss caused by smoke from             water.
14




13. Water or steam that escapes from a plumbing,         b) theft in or from the residence premises
    heating or air conditioning system, an                  while under construction or of materials
    automatic fire protection system, or from a             and supplies for use in construction, until
    household appliance due to accidental                   the dwelling is completed and occupied;
    discharge or overflow.                               c) theft of any property while at any other
                                                            residence owned, rented to or occupied by
     We do not cover loss to the system or                  an insured person unless the insured
     appliance from which the water or steam                person is temporarily residing there;
     escapes, or loss from water which backs up          d) theft of trailers, campers, watercraft,
     through sewers or drains or overflows from a           including furnishings, equipment and
     sump pump, sump pump well or other system              outboard motors, away from the
     designed for the removal of subsurface water           residence premises;
     which is drained from a foundation area of a        e) theft from that part of the residence
     structure.                                             premises rented by you to other than an
                                                            insured person.
14. Freezing of a plumbing, heating or air
    conditioning system or a household appliance.     16. Breakage of glass, meaning damage to covered
                                                          personal property caused by breakage of glass
     We do not cover loss at the residence                constituting a part of any building structure
     premises under perils (12), (13), and (14)           on the residence premises. This does not
     caused by or resulting from freezing while the       include damage to the glass.
     building structure is vacant, unoccupied or
     under construction unless you have used
                                                      Losses We Do Not Cover Under Coverage C:
     reasonable care to:
     a) maintain heat in the building structure;      We do not cover loss to the property described in
         or                                           Coverage C — Personal Property Protection
     b) shut off the water supply and drain the       caused by or consisting of:
         water from the systems and appliances.       1. Flood, including, but not limited to surface
                                                         water, waves, tidal water or overflow of any
15. Theft, or attempted theft, including                 body of water, or spray from any of these,
    disappearance of property from a known place         whether or not driven by wind.
    when it is likely that a theft has occurred.
    Any theft must be promptly reported to the        2. Water or any other substance that backs up
    police.                                              through sewers or drains.

     We do not cover:                                 3. Water or any other substance that overflows
     a) theft or attempted theft committed by an         from a sump pump, sump pump well or other
        insured person;                                  system designed for the removal of subsurface
                                                                                                         15




   water which is drained from a foundation area          actions of civil authority to prevent the spread
   of a structure.                                        of fire.

4. Water or any other substance on or below the        7. The failure by any insured person to take all
   surface of the ground, regardless of its source.       reasonable steps to save and preserve
   This includes water or any other substance             property when the property is endangered by
   which exerts pressure on, or flows, seeps or           a cause of loss we cover.
   leaks through any part of the residence
   premises.                                           8. Any substantial change or increase in hazard,
                                                          if changed or increased by any means within
   We do cover sudden and accidental direct               the control or knowledge of an insured
   physical loss caused by fire, explosion or theft       person.
   resulting from items 1 through 4 listed above.
                                                       9. Intentional or criminal acts of or at the
5. Earth movement of any type, including, but             direction of any insured person, if the loss
   not limited to earthquake, volcanic eruption,          that occurs:
   lava flow, landslide, subsidence, mudflow,             a) may be reasonably expected to result from
   pressure, sinkhole, erosion, or the sinking,               such acts; or
   rising, shifting, creeping, expanding, bulging,        b) is the intended result of such acts.
   cracking, settling or contracting of the earth.
   This exclusion applies whether or not the              This exclusion applies regardless of whether
   earth movement is combined with water.                 or not the insured person is actually
                                                          charged with or convicted of a crime.
   We do cover sudden and accidental direct
   physical loss caused by fire, explosion, theft or   10. Nuclear action, meaning nuclear reaction,
                                                           discharge, radiation or radioactive
   breakage of glass or safety glazing materials
                                                           contamination, or any consequence of any of
   resulting from earth movement.                          these. Loss caused by nuclear action is not
                                                           considered loss by fire, explosion or smoke.
6. Enforcement of any building codes, ordinances
   or laws regulating the construction,                   We do cover sudden and accidental direct
   reconstruction, maintenance, repair,                   physical loss by fire resulting from nuclear
   placement or demolition of any building                action.
   structure or other structure at the
   residence premises.                                 11. Vapors, fumes, acids, toxic chemicals, toxic
                                                           gasses, toxic liquids, toxic solids, waste
   We do cover sudden and accidental direct                materials or other irritants, contaminants or
   physical loss to covered property caused by             pollutants.
16



                                                      Additional Protection




12. War or warlike acts, including, but not limited   1. Additional Living Expense
    to insurrection, rebellion or revolution.            a) We will pay the reasonable increase in
                                                            living expenses necessary to maintain
13. Weather Conditions that contribute in any               your normal standard of living when a
    way with a cause of loss excluded in this               direct physical loss we cover makes your
    section to produce a loss.                              residence premises uninhabitable.

14. Planning, Construction or Maintenance,                  Payment for covered additional living
    meaning faulty, inadequate or defective:                expense will be limited to the least of the
    a) planning, zoning, development, surveying,            following:
       siting;                                              1) the time period required to repair or
    b) design, specifications, workmanship,                      replace the property we cover, using
       repair, construction, renovation,                         due diligence and dispatch; or
       remodeling, grading, compaction;                     2) if you permanently relocate, the
    c) materials used in repair, construction,                   shortest time for your household to
       renovation or remodeling; or                              settle elsewhere;
    d) maintenance:                                         3) 12 months.
                                                         b) We will pay your lost fair rental income
     of property whether on or off the residence            resulting from a covered loss, less charges
     premises by any person or organization.                and expenses which do not continue, when
                                                            a loss we cover makes the part of the
15. We do not cover loss to covered property                residence premises you rent to others,
    described in Coverage C — Personal                      or hold for rental, uninhabitable. We will
    Property Protection when:                               pay for lost fair rental income for the
    a) there are two or more causes of loss to the          shortest time required to repair or replace
        covered property; and                               the part rented or held for rental but not
    b) the predominant cause(s) of loss is (are)            to exceed 12 months.
        excluded under Losses We Do Not                  c) We will pay the reasonable and necessary
        Cover, items 1 through 14 above.                    increase in living expenses and the lost
                                                            fair rental income for up to two weeks
                                                            should civil authorities prohibit the use of
                                                            the residence premises due to a loss at a
                                                            neighboring premises caused by a peril we
                                                            insure against.

                                                         These periods of time are not limited by the
                                                         termination of this policy.
                                                                                                   17




   We do not cover any lost income or expense          loss involves a credit card, charge plate or
   due to the cancellation of a lease or               bank fund transfer card, the insured person
   agreement.                                          must also give immediate written notice to the
                                                       company or bank that issued the card or plate.
   No deductible applies to this protection.           Failure to comply with the terms and
                                                       conditions of the card or plate voids this
2. Credit Card, Bank Fund Transfer Card,
                                                       protection.
   Check Forgery and Counterfeit Money
   We will pay for loss:
                                                       We will pay only for loss occurring during the
   a) that an insured person is legally
                                                       policy period, including those losses
      required to pay for the unauthorized use
                                                       discovered and reported to us within one year
      of any credit card or bank fund transfer
                                                       after the policy has terminated. We have the
      card issued to or registered in the name of
                                                       right to investigate and settle any claim or
      an insured person;
                                                       suit as we deem appropriate. Full payment of
   b) caused by forgery or alteration of a check
                                                       the amount of insurance for any one loss ends
      or negotiable instrument made or drawn
                                                       our obligation under each claim or suit
      upon an insured person’s account;
                                                       arising from the loss.
   c) to an insured person through acceptance
      in good faith of counterfeit United States
                                                       We will defend any suit brought against an
      or Canadian paper currency.
                                                       insured person for the enforcement of
   Our maximum limit of liability for any one          payment covered under paragraph 2(a) of this
   loss is $1,000. All loss due to forgery or          protection. The defense will be at our
   unauthorized use by or involving any one            expense, with counsel of our choice.
   person is considered one loss.
                                                       We have the option to defend an insured
   We do not cover:                                    person or the insured person’s bank against
   a) loss arising from any business of an             a suit for the enforcement of payment covered
      insured person;                                  under paragraph 2(b) of this protection. The
   b) loss caused by or at the direction of an         defense will be at our expense, with counsel of
      insured person or any other person who           our choice.
      has been entrusted with any credit card or
      bank fund transfer card;                         No deductible applies to this protection.
   c) loss arising out of dishonesty of an
      insured person.                               3. Debris Removal
                                                       We will pay reasonable expenses you incur to
   When loss is discovered, the insured person         remove debris of covered property damaged by
   must give us immediate written notice. If the       a loss we cover. If the loss to the covered
18




     property and the cost of debris removal are        and lawns at the address of the residence
     more than the limit of liability shown on the      premises. We will not pay more than $500
     Policy Declarations for the covered property,      for any one tree, shrub, or plant including
     we will pay up to an additional 5% of that         expenses incurred for removing debris. This
     limit for debris removal.                          coverage applies only to direct physical loss
                                                        caused by fire or lightning, explosion, riot or
4. Emergency Removal Of Property                        civil commotion, aircraft, vehicles not owned
   We will pay for sudden and accidental direct         by an occupant of the residence premises,
   physical loss to covered property from any           vandalism or malicious mischief, theft or
   cause while removed from a premises because          collapse of a building structure or any part
   of danger from a loss we cover. Protection is        of a building structure.
   limited to a 30-day period from date of
   removal. This protection does not increase the       We will pay up to $500 for reasonable
   limit of liability that applies to the covered       expenses you incur for the removal of debris
   property.                                            of trees at the address of the residence
                                                        premises for direct physical loss caused by
5. Fire Department Charges                              windstorm, hail, or weight of ice, snow or
   We will pay up to $500 for service charges           sleet. The fallen tree must have caused
   made by fire departments called to protect           damage to property covered under Coverage
   your property from a loss we cover at the            A — Dwelling Protection.
   residence premises. No deductible applies
   to this protection.                                  We do not cover trees, shrubs, plants, or
                                                        lawns grown for business purposes.
6. Temporary Repairs After A Loss
   We will reimburse you up to $5,000 for the        8. Temperature Change
   reasonable and necessary cost you incur for          We will pay for loss to covered personal
   temporary repairs to protect covered property        property in a building structure at the
   from further imminent covered loss following         residence premises resulting from a change
   a loss we cover. This coverage does not              in temperature. The change in temperature
   increase the limit of liability applying to the      must result from a covered loss to the
   property being repaired.                             building structure.

7. Trees, Shrubs, Plants and Lawns                      This coverage does not increase the limit of
   We will pay up to an additional 5% of the            liability applying to the damaged property.
   limit of liability shown on the Policy
   Declarations under Coverage A— Dwelling           9. Power Interruption
   Protection for loss to trees, shrubs, plants         We will pay for loss to the contents of freezers
                                                                                                    19




   and refrigerated units on the residence             c) hidden damage to the building
   premises caused by the interruption of power           structure caused by insects or vermin;
   which occurs off the residence premises. If         d) weight of persons, animals, equipment or
   a power interruption is known to an insured            contents;
   person, all reasonable means must be used to        e) weight of rain or snow which collects on a
   protect the contents of freezers and                   roof;
   refrigerated units.                                 f) defective methods or materials used in
                                                          construction, repair, remodeling or
   This coverage does not increase the limit of           renovation, but only if the collapse occurs
   liability applying to the damaged property.            in the course of such construction, repair,
                                                          remodeling or renovation.
10. Arson Reward
    We will pay up to $5,000 for information           Collapse does not include settling, cracking,
    leading to an arson conviction in connection       shrinking, bulging or expansion.
    with a fire loss to property covered under
    Section I of this policy. The $5,000 limit         This protection does not change the limit of
    applies regardless of the number of persons        liability that applies to the covered property.
    providing information.
                                                   12. Land
11. Collapse                                           If a sudden and accidental direct physical loss
    We will cover:                                     results in both a covered loss to the dwelling,
    a) the entire collapse of a covered building       other than the breakage of glass or safety
       structure;                                      glazing material, and a loss of land stability,
    b) the entire collapse of part of a covered        we will pay up to $10,000 as an additional
                                                       amount of insurance for repair costs
       building structure; and
                                                       associated with the land. This includes the
    c) direct physical loss to covered property        costs required to replace, rebuild, stabilize or
       caused by (a) or (b) above.                     otherwise restore the land necessary to
                                                       support that part of the dwelling sustaining
   For coverage to apply, the collapse of a            the covered loss.
   building structure specified in (a) or (b)
   above must be a sudden and accidental direct        The Section I — Losses We Do Not Cover
   physical loss caused by one or more of the          Under Coverages A and B reference to
   following:                                          earth movement does not apply to the loss of
   a) a loss we cover under Section I,                 land stability provided under this Additional
        Coverage C — Personal Property                 Protection.
        Protection;
   b) hidden decay of the building structure;
20



Section I Conditions




1. Deductible                                             maintain your standard of living while
   We will pay when a covered loss exceeds the            you reside elsewhere, and records
   deductible shown on the Policy Declarations.           supporting any claim for loss of rental
   We will then pay only the excess amount,               income.
   unless we have indicated otherwise in this          f) as often as we reasonably require:
   policy.                                                1) show us the damaged property.
                                                          2) at our request, submit to
2. Insurable Interest and Our Liability                       examinations under oath, separately
   In the event of a covered loss, we will not pay            and apart from any other person
   for more than an insured person’s insurable                defined as you or insured person
   interest in the property covered, nor more                 and sign a transcript of the same.
   than the amount of coverage afforded by this           3) produce representatives, employees,
   policy.                                                    members of the insured’s household or
                                                              others to the extent it is within the
3. What You Must Do After A Loss                              insured person’s power to do so; and
   In the event of a loss to any property that may     g) within 60 days after the loss, give us a
   be covered by this policy, you must:                   signed, sworn proof of the loss. This
   a) promptly give us or our agent notice.               statement must include the following
       Report any theft to the police as soon as          information:
       possible. If the loss involves a credit card,      1) the date, time, location and cause of
       charge plate or bank fund transfer card,               loss;
       give written notice to the company or bank         2) the interest insured persons and
       that issued the card or plate.                         others have in the property, including
   b) protect the property from further loss.                 any encumbrances;
       Make any reasonable repairs necessary to           3) the actual cash value and amount of
       protect it. Keep an accurate record of any             loss for each item damaged, destroyed
       repair expenses.                                       or stolen;
   c) separate damaged from undamaged                     4) any other insurance that may cover
       personal property. Give us a detailed list             the loss;
       of the damaged, destroyed or stolen                5) any changes in title, use, occupancy or
       property, showing the quantity, cost, actual           possession of the property that have
       cash value and the amount of loss claimed.             occurred during the policy period;
   d) give us all accounting records, bills,              6) at our request, the specifications of
       invoices and other vouchers, or certified              any damaged building structure or
       copies, which we may reasonably request                other structure;
       to examine and permit us to make copies.           7) evidence supporting any claim under
   e) produce receipts for any increased costs to             the Credit Card, Bank Fund Transfer
                                                                                                  21




           Card, Check Forgery and Counterfeit                Structure Reimbursement provision,
           Money protection. State the cause and              or;
           amount of loss.                                 2) the whole amount of loss for property
                                                              covered under Coverage C —
4. Our Settlement Options                                     Personal Property Protection
   In the event of a covered loss, we have the                without deduction for depreciation, is
   option to:                                                 less than $2,500 and if your Policy
   a) repair, rebuild or replace all or any part of           Declarations shows that the Personal
       the damaged, destroyed or stolen property              Property Reimbursement provision
       with property of like kind and quality                 applies, and the property is not
       within a reasonable time; or                           excluded from the Personal Property
   b) pay for all or any part of the damaged,                 Reimbursement provision.
       destroyed or stolen property as described
       in Condition 5 “How We Pay For A Loss.”        b) Actual Cash Value. If you do not repair
                                                         or replace the damaged, destroyed or
   Within 30 days after we receive your signed,          stolen property, payment will be on an
   sworn proof of loss we will notify you of the         actual cash value basis. This means there
   option or options we intend to exercise.              may be a deduction for depreciation.
                                                         Payment will not exceed the limit of
5. How We Pay For A Loss                                 liability shown on the Policy Declarations
   Under Coverage A — Dwelling Protection,               for the coverage that applies to the
   Coverage B — Other Structures                         damaged, destroyed or stolen property,
   Protection and Coverage C — Personal                  regardless of the number of items involved
   Property Protection, payment for covered              in the loss.
   loss will be by one or more of the following
   methods:                                                You may make claim for additional
   a) Special Payment. At our option, we may               payment as described in paragraph ‘‘c”, and
       make payment for a covered loss before              paragraph ‘‘d” below if applicable, if you
       you repair, rebuild or replace the                  repair or replace the damaged, destroyed or
       damaged, destroyed or stolen property if:           stolen covered property within 180 days of
       1) the whole amount of loss for property            the actual cash value payment.
            covered under Coverage A —
            Dwelling Protection and Coverage          c)   Building Structure Reimbursement.
            B — Other Structures Protection,               Under Coverage A — Dwelling
            without deduction for depreciation, is         Protection and Coverage B — Other
            less than $2,500 and if the property is
            not excluded from the Building
22




     Structures Protection, we will make               If you replace the damaged building
     additional payment to reimburse you for           structure(s) at an address other than
     cost in excess of actual cash value if you        shown on the Policy Declarations through
     repair, rebuild or replace damaged,               construction of a new structure or
     destroyed or stolen covered property              purchase of an existing structure, such
     within 180 days of the actual cash value          replacement will not increase the amount
     payment. This additional payment                  payable under Building Structure
     includes the reasonable and necessary             Reimbursement described above. The
     expense for treatment or removal and              amount payable under Building Structure
     disposal of contaminants, toxins or               Reimbursement described above does not
     pollutants as required to complete repair         include the value of any land associated
     or replacement of that part of a building         with the replacement structure(s).
     structure damaged by a covered loss.
                                                       Building Structure Reimbursement
     Building Structure Reimbursement will             payment will be limited to the difference
     not exceed the smallest of the following          between any actual cash value payment
     amounts:                                          made for the covered loss to building
     1) the replacement cost of the part(s) of         structures and the smallest of 1), 2) or 3)
         the building structure(s) for                 above.
         equivalent construction for similar use
         on the same premises;                         Building Structure Reimbursement will
     2) the amount actually and necessarily            not apply to:
         spent to repair or replace the damaged        1) property covered under Coverage
         building structure(s) with                        C — Personal Property
         equivalent construction for similar use           Protection;
         on the same residence premises; or            2) property covered under Coverage
     3) the limit of liability applicable to the           B — Other Structures Protection
         building structure(s) as shown on                 that is not a building structure;
         the Policy Declarations for Coverage          3) wall-to-wall carpeting, fences, awnings
         A — Dwelling Protection or                        and outdoor antennas whether or not
         Coverage B — Other Structures                     fastened to a building structure; or
         Protection, regardless of the number          4) land.
         of building structures and
         structures other than building            Payment under ‘‘a”,‘‘ b”, or ‘‘c” above will not
         structures involved in the loss.          include any increased cost due to the
                                                   enforcement of building codes, ordinances or
                                                                                                 23




laws regulating the construction,                    or 3) above.
reconstruction, maintenance, repair,                 Personal Property Reimbursement will not
relocation or demolition of building                 apply to:
structures or other structures.                          1) property insured under Coverage
                                                             A — Dwelling Protection and
d) Personal Property Reimbursement. When                     Coverage B — Other Structures
   the Policy Declarations shows that the                    Protection, except wall-to-wall
   Personal Property Reimbursement                           carpeting;
   provision applies under Coverage C —
                                                         2) antiques, fine arts, paintings, statuary
   Personal Property Protection, we will
   make additional payment to reimburse                      and similar articles which, by their
   you for cost in excess of actual cash value               inherent nature, cannot be replaced.
   if you repair, rebuild or replace damaged,            3) articles whose age or history
   destroyed or stolen covered personal                      contribute substantially to their value.
   property or wall-to-wall carpeting within                 This includes, but is not limited to
   180 days of the actual cash value                         memorabilia, souvenirs and collector’s
   payment.                                                  items; or
                                                         4) property that was obsolete or unusable
    Personal Property Reimbursement                          for the originally intended purpose
    payment will not exceed the smallest of                  because of age or condition prior to the
    the following amounts:                                   loss.
    1) the amount actually and necessarily
        spent to repair or replace the property   6. Our Settlement Of Loss
        with similar property of like kind and       We will settle any covered loss with you
        quality;                                     unless another payee is named in the policy.
    2) the cost of repair or restoration; or         We will settle within 60 days after the amount
    3) the limit of liability shown on the           of loss is finally determined. This amount
        Policy Declarations for Coverage             may be determined by an agreement between
        C —Personal Property Protection,
                                                     you and us, an appraisal award or a court
        or any special limit of liability
        described in the policy, regardless of       judgment.
        the number of items of personal
        property involved in the loss.            7. Appraisal
                                                     If you and we fail to agree on the amount of
Personal Property Reimbursement will be              loss, either party may make written demand
limited to the difference between any actual         for an appraisal. Upon such demand, each
cash value payment made for the covered loss         party must select a competent and impartial
to personal property and the smallest of 1), 2)      appraiser and notify the other of the
24




     appraiser’s identity within 20 days after the
     demand is received. The appraisers will select      b) You may make alterations, additions or
     a competent and impartial umpire. If the               repairs, and you may complete structures
     appraisers are unable to agree upon an                 under construction.
     umpire within 15 days, you or we can ask a
     judge of a court of record in the state where    10. Our Rights To Recover Payment
     the residence premises is located to select          When we pay for any loss, an insured
     an umpire.                                           person’s right to recover from anyone else
                                                          becomes ours up to the amount we have paid.
     The appraisers shall then determine the              An insured person must protect these rights
     amount of loss, stating separately the actual        and help us enforce them. You may waive
     cash value and the amount of loss to each            your rights to recover against another person
     item. If the appraisers submit a written             for loss involving the property covered by this
     report of an agreement to you and to us the          policy. This waiver must be in writing prior to
     amount agreed upon shall be the amount of            the date of loss.
     loss. If they cannot agree, they will submit
     their differences to the umpire. A written       11. Our Rights To Obtain Salvage
     award agreed upon by any two will determine          We have the option to take all or any part of
     the amount of loss.                                  the damaged or destroyed covered property
                                                          upon replacement by us or payment of the
     Each party will pay the appraiser it chooses,        agreed or appraised value.
     and equally bear expenses for the umpire and
     all other appraisal expenses.                       We will notify you of our intent to exercise
                                                         this option within 30 days after we receive
8. Abandoned Property                                    your signed, sworn proof of loss.
   We are not obligated to accept any property or
   responsibility for any property abandoned by          When we settle any loss caused by theft or
   an insured person.                                    disappearance, we have the right to obtain all
                                                         or part of any property which may be
9. Permission Granted To You                             recovered. An insured person must protect
   a) The residence premises may be vacant               this right and inform us of any property
      or unoccupied for any length of time,              recovered. We will inform you of our intent
      except where a time limit is indicated in          to exercise this right within 10 days of your
      this policy for specific perils. A building        notice of recovery to us.
      structure under construction is not
      considered vacant.                              12. Suit Against Us
                                                          No suit or action may be brought against us
                                                                                                      25




    unless there has been full compliance with all       applies:
    policy terms. Any suit or action must be             The limit of liability shown on the Policy
    brought within one year after the inception of       Declarations for Coverage A — Dwelling
    loss or damage.                                      Protection will be revised at each policy
                                                         anniversary to reflect the rate of change in the
13. Loss To A Pair Or Set                                Index identified on the Policy Declarations.
    If there is a covered loss to a pair or set, we
    may:                                                 The limit of liability for Coverage
    a) repair or replace any part of the pair or set     A — Dwelling Protection for the succeeding
         to restore it to its actual cash value before   premium period will be determined by
         the loss; or                                    changing the existing limit in proportion to
    b) pay the difference between the actual cash        the change in the Index between the time the
         value of the pair or set before and after       existing limit was established and the time
         the loss.                                       the change is made. The resulting amount
                                                         will be rounded to the nearest $1,000.
14. Glass Replacement
    Payment for loss to covered glass includes the       Adjustment in the limit of liability for
    cost of using safety glazing materials when          Coverage A — Dwelling Protection will
    required by law.                                     result in an adjustment in the limit of liability
                                                         for Coverage B — Other Structures
15. No Benefit To Bailee                                 Protection and Coverage C — Personal
    This insurance will not benefit any person or        Property Protection in accordance with the
    organization who may be caring for or                Allstate manual of Rules and Rates.
    handling your property for a fee.
                                                         We will not reduce the limit of liability shown
16. Other Insurance                                      on the Policy Declarations without your
    If both this insurance and other insurance           consent.
    apply to a loss, we will pay the proportionate
    amount that this insurance bears to the total        Any adjustment in premium resulting from
    amount of all applicable insurance. However,         the application of this condition will be made
    in the event of a loss by theft, this insurance      based on premium rates in use by Allstate at
    shall be excess over any other insurance that        the time a change in limits is made.
    covers loss by theft.
                                                         Allstate has the right to change to another
17. Property Insurance Adjustment                        cost index or to withdraw this condition as of a
    When the Policy Declarations indicates that          policy anniversary date by giving you at least
    the Property Insurance Adjustment condition          30 days notice. This applies only if the change
26




     or withdrawal applies to all similar policies        e) after a loss, and at our option, permit us
     issued by Allstate in your state.                       to satisfy the mortgage requirements and
                                                             receive full transfer of the mortgage.
18. Mortgagee
    A covered loss will be payable to the              This mortgagee interest provision shall apply to
    mortgagees named on the Policy Declarations,       any trustee or loss payee or other secured party.
    to the extent of their interest and in the order
    of precedence. All provisions of Section I of
    this policy apply to these mortgagees.

     We will:
     a) protect the mortgagee’s interest in a
        covered building structure in the event
        of an increase in hazard, intentional or
        criminal acts of, or directed by, an
        insured person, failure by any insured
        person to take all reasonable steps to
        save and preserve property after a loss, a
        change in ownership, or foreclosure if the
        mortgagee has no knowledge of these
        conditions; and
     b) give the mortgagee at least 10 days notice
        if we cancel this policy.

     The mortgagee will:
     a) furnish proof of loss within 60 days after
        notice of the loss if an insured person
        fails to do so;
     b) pay upon demand any premium due if an
        insured person fails to do so;
     c) notify us in writing of any change of
        ownership or occupancy or any increase in
        hazard of which the mortgagee has
        knowledge;
     d) give us the mortgagee’s right of recovery
        against any party liable for loss; and
                                                                                                      27



Section II — Family Liability and Guest
Medical Protection




Coverage X                                                 charged with, or convicted of a crime.
Family Liability Protection                             2. We do not cover bodily injury to an insured
                                                           person or property damage to property
Losses We Cover Under Coverage X:                          owned by an insured person whenever any
Subject to the terms, conditions and limitations of        benefit of this coverage would accrue directly
this policy, Allstate will pay damages which an            or indirectly to an insured person.
insured person becomes legally obligated to pay
because of bodily injury or property damage             3. We do not cover bodily injury to any person
arising from an occurrence to which this policy            eligible to receive benefits required to be
applies, and is covered by this part of the policy.        provided or voluntarily provided by an
                                                           insured person under any workers’
We may investigate or settle any claim or suit for         compensation, non-occupational disability or
covered damages against an insured person. If              occupational disease law.
an insured person is sued for these damages,
we will provide a defense with counsel of our           4. We do not cover bodily injury or property
choice, even if the allegations are groundless, false      damage arising out of the ownership,
or fraudulent. We are not obligated to pay any             maintenance, use, occupancy, renting,
claim or judgment after we have exhausted our              loaning, entrusting, loading or unloading of
limit of liability.                                        aircraft.

Losses We Do Not Cover Under Coverage X:                5. We do not cover bodily injury or property
1. We do not cover any bodily injury or                    damage arising out of the ownership,
   property damage intended by, or which may               maintenance, use, occupancy, renting,
   reasonably be expected to result from the               loaning, entrusting, loading or unloading of
   intentional or criminal acts or omissions of,           any motor vehicle or trailer. However, this
   any insured person. This exclusion applies              exclusion does not apply to:
   even if:                                                a) a motor vehicle in dead storage or used
   a) such insured person lacks the mental                     exclusively on an insured premises;
       capacity to govern his or her conduct;              b) any motor vehicle designed principally for
   b) such bodily injury or property damage                    recreational use off public roads, unless
       is of a different kind or degree than                   that vehicle is owned by an insured
       intended or reasonably expected; or                     person and is being used away from an
   c) such bodily injury or property damage                    insured premises;
       is sustained by a different person than             c) a motorized wheel chair;
       intended or reasonably expected.                    d) a vehicle used to service an insured
                                                               premises which is not designed for use on
    This exclusion applies regardless of whether
                                                               public roads and not subject to motor
    or not such insured person is actually
                                                               vehicle registration;
28




     e) a golf cart owned by an insured person           arising from the ownership, maintenance, use,
        when used for golfing purposes;                  occupancy, renting, loaning, entrusting,
     f) a trailer of the boat, camper, home or           loading or unloading of any aircraft,
        utility type unless it is being towed or         watercraft, motor vehicle or trailer which is
        carried by a motorized land vehicle;             not covered under Section II of this policy.
     g) lawn and garden implements under 40
        horsepower;                                  8. We do not cover any bodily injury which
     h) bodily injury to a residence employee.          results in any manner from the discharge,
                                                        dispersal, release or escape of vapors, fumes,
6. We do not cover bodily injury or property
                                                        acids, toxic chemicals, toxic gasses, toxic
   damage arising out of the ownership,
                                                        liquids, toxic solids, waste materials or other
   maintenance, use, occupancy, renting,
                                                        irritants, contaminants or pollutants.
   loaning, entrusting, loading or unloading of
   watercraft away from an insured premises if
                                                         We do cover bodily injury which results from
   the watercraft:
                                                         such discharge if the discharge is sudden and
   a) has inboard or inboard-outboard motor
                                                         accidental.
       power of more than 50 horsepower;
   b) is a sailing vessel 26 feet or more in
       length;                                       9. We do not cover any property damage
   c) is powered by one or more outboard                consisting of or caused by vapors, fumes,
       motors with more than 25 total                   acids, toxic chemicals, toxic gasses, toxic
       horsepower;                                      liquids, toxic solids, waste materials or other
   d) is designated as an airboat, air cushion, or      irritants, contaminants or pollutants.
       similar type of watercraft; or
   e) is a personal watercraft, meaning a craft      10. We do not cover any bodily injury or
       propelled by a water jet pump engine and          property damage arising out of any liability
       designed to be operated by a person or            statutorily imposed upon any insured
       persons sitting, standing or kneeling on          person in any manner, consisting of or caused
       the craft.                                        by vapors, fumes, acids, toxic chemicals, toxic
                                                         gasses, toxic liquids, toxic solids, waste
     This exclusion does not apply to bodily             materials or other irritants, contaminants or
     injury to a residence employee.                     pollutants.
7. We do not cover bodily injury or property         11. We do not cover bodily injury or property
   damage arising out of:                                damage arising out of the rendering of, or
   a) the negligent supervision by an insured            failure to render, professional services by an
      person of any person; or                           insured person.
   b) any liability statutorily imposed on any
      insured person
                                                                                                    29




12. We do not cover bodily injury or property        Coverage Y
    damage arising out of the past or present        Guest Medical Protection
    business activities of an insured person.
                                                     Losses We Cover Under Coverage Y:
   We do cover the occasional or part-time           Allstate will pay the reasonable expenses
   business activities of an insured person          incurred for necessary medical, surgical, x-ray and
   who is a student under 21 years of age.           dental services; ambulance, hospital, licensed
                                                     nursing and funeral services; and prosthetic
13. We do not cover bodily injury or property        devices, eye glasses, hearing aids, and
    damage arising out of any premises, other        pharmaceuticals. These expenses must be
    than an insured premises, owned, rented or       incurred and the services performed within three
    controlled by an insured person. This            years from the date of an occurrence causing
    exclusion does not apply to bodily injury to a   bodily injury to which this policy applies, and is
    residence employee.                              covered by this part of the policy.

14. We do not cover property damage to               Each person who sustains bodily injury is
    property rented to, occupied or used by, or in   entitled to this protection when that person is:
    the care of, an insured person. This             1. on the insured premises with the
    exclusion does not apply if the property             permission of an insured person; or
    damage is caused by fire, explosion or smoke.    2. off the insured premises, if the bodily
                                                         injury:
15. We do not cover any liability an insured             a) arises out of a condition on the insured
    person assumes arising out of any contract or            premises or immediately adjoining ways;
    agreement.                                           b) is caused by the activities of an insured
                                                             person or a residence employee;
16. We do not cover bodily injury or property            c) is caused by an animal owned by or in the
    damage caused by war or warlike acts,                    care of an insured person; or
    including, but not limited to insurrection,          d) is sustained by a residence employee.
    rebellion or revolution.
                                                     Losses We Do Not Cover Under Coverage Y:
                                                     1. We do not cover any bodily injury intended
                                                        by, or which may reasonably be expected to
                                                        result from the intentional or criminal acts or
                                                        omissions of, any insured person. This
                                                        exclusion applies even if:
                                                        a) such insured person lacks the mental
                                                            capacity to govern his or her conduct;
30




     b) such bodily injury is of a different kind      c) a motorized wheel chair;
         or degree than intended or reasonably         d) a vehicle used to service an insured
         expected; or                                     premises which is not designed for use on
     c) such bodily injury is sustained by a              public roads and not subject to motor
         different person than intended or                vehicle registration;
         reasonably expected.                          e) a golf cart owned by an insured person
     This exclusion applies regardless of whether         when used for golfing purposes;
     or not such insured person is actually            f) a trailer of the boat, camper, home or
     charged with, or convicted of a crime.               utility type unless it is being towed or
                                                          carried by a motorized land vehicle;
2. We do not cover bodily injury to any                g) lawn or garden implements under 40
   insured person or regular resident of the              horsepower;
   insured premises. However, this exclusion           h) bodily injury to a residence employee.
   does not apply to a residence employee.
                                                    6. We do not cover bodily injury arising out of
3. We do not cover bodily injury to any person         the ownership, maintenance, use, occupancy,
   eligible to receive any benefits voluntarily
                                                       renting, loaning, entrusting, loading or
   provided, or required to be provided, under
   any workers’ compensation, non-occupational         unloading of watercraft away from an
   disability or occupational disease law.             insured premises if the watercraft:
                                                       a) has inboard or inboard-outboard motor
4. We do not cover bodily injury arising out of            power of more than 50 horsepower;
   the ownership, maintenance, use, occupancy,         b) is a sailing vessel 26 feet or more in
   renting, loaning, entrusting, loading or                length;
   unloading of aircraft.                              c) is powered by one or more outboard
                                                           motors with more than 25 total
5. We do not cover bodily injury arising out of            horsepower;
   the ownership, maintenance, use, occupancy,         d) is designated as an airboat, air cushion, or
   renting, loaning, entrusting, loading or                similar type of watercraft; or
   unloading of any motor vehicle or trailer.          e) is a personal watercraft, meaning a craft
   However, this exclusion does not apply to:              propelled by a water jet pump engine and
   a) a motor vehicle in dead storage or used              designed to be operated by a person or
       exclusively on an insured premises;                 persons sitting, standing or kneeling on
   b) any motor vehicle designed principally for           the craft.
       recreational use off public roads, unless
       that vehicle is owned by an insured          This exclusion does not apply to bodily injury to
       person and is being used away from an        a residence employee.
       insured premises;
                                                                                                    31




7. We do not cover bodily injury arising out of:        business activity or professional service
   a) the negligent supervision by any insured          conducted there.
      person of any person; or
   b) any liability statutorily imposed on any       12. We do not cover bodily injury arising out of
      insured person                                     any premises, other than an insured
                                                         premises, owned, rented or controlled by an
    arising from the ownership, maintenance, use,        insured person. This exclusion does not
    occupancy, renting, loaning, entrusting,             apply to bodily injury to a residence
    loading or unloading of any aircraft,                employee.
    watercraft, motorized land vehicle or trailer
    which is not covered under Section II of this    13. We do not cover bodily injury caused by war
    policy.                                              or warlike acts, including, but not limited to
                                                         insurrection, rebellion, or revolution.
8. We do not cover any bodily injury which
   results in any manner from the discharge,
   dispersal, release or escape of vapors, fumes,
   acids, toxic chemicals, toxic gasses, toxic
   liquids, toxic solids, waste materials or other
   irritants, contaminants or pollutants.

    We do cover bodily injury which results
    from such discharge if the discharge is sudden
    and accidental.

9. We do not cover bodily injury arising out of
   the rendering of, or failure to render
   professional services by, an insured person.

10. We do not cover bodily injury arising out of
    the past or present business activities of an
    insured person.

    We do cover the occasional or part-time
    business activities of an insured person
    who is a student under 21 years of age.

11. We do not cover bodily injury to any person
    on the insured premises because of a
32



Additional Protection




We will pay, in addition to the limits of liability:   We will not pay for property damage:
1. Claim Expense                                       a) to property covered under Section I of
   We will pay:                                           this policy;
   a) all costs we incur in the settlement of any      b) to property intentionally damaged by an
       claim or the defense of any suit against an        insured person who has attained the age
       insured person;                                    of 13;
   b) interest accruing on damages awarded             c) to property owned by or rented to an
       until such time as we have paid, formally          insured person, any tenant of an
       offered, or deposited in court the amount          insured person, or any resident in your
       for which we are liable under this policy;         household; or
       interest will be paid only on damages           d) arising out of:
       which do not exceed our limits of liability;       1) past or present business activities;
   c) premiums on bonds required in any suit              2) any act or omission in connection with
       we defend; we will not pay bond                        a premises, other than an insured
       premiums in an amount that is more than                premises, owned, rented or controlled
       our limit of liability; we have no                     by an insured person; or
       obligation to apply for or furnish bonds;          3) the ownership or use of a motorized
   d) up to $150 per day for loss of wages and                land vehicle, trailer, aircraft or
       salary, when we ask you to attend trials               watercraft.
       and hearings;
   e) any other reasonable expenses incurred by
       an insured person at our request.

2. Emergency First Aid
   We will pay reasonable expenses incurred by
   an insured person for first aid to other
   persons at the time of an accident involving
   bodily injury covered under this policy.

3. Damage To Property Of Others
   At your request, we will pay up to $500 each
   time an insured person causes property
   damage to someone else’s property. At our
   option, we will pay the cost to either repair or
   replace the property damaged by an insured
   person, without deduction for depreciation.
                                                                                                      33



Section II Conditions




1. What You Must Do After An Accidental               2. What An Injured Person Must Do —
   Loss                                                  Coverage Y — Guest Medical Protection
   In the event of bodily injury or property             If someone is injured, that person, or someone
   damage, you must do the following:                    acting for that person, must do the following:
   a) Promptly notify us or our agent stating:           a) Promptly give us written proof of the loss. If
       1) your name and policy number;                        we request, this must be done under oath.
       2) the date, the place and the                    b) Give us written authorization to obtain
           circumstances of the loss;                         copies of all medical records and reports.
       3) the name and address of anyone who             c) Permit doctors we select to examine the
           might have a claim against an                      injured person as often as we may
           insured person;                                    reasonably require.
       4) the names and addresses of any
           witnesses.                                 3. Our Payment Of Loss — Coverage Y —
   b) Promptly send us any legal papers                  Guest Medical Protection
       relating to the accident.                         We may pay the injured person or the
   c) At our request, an insured person will:            provider of the medical services. Payment
       1) cooperate with us and assist us in any         under this coverage is not an admission of
           matter concerning a claim or suit;            liability by us or an insured person.
       2) help us enforce any right of recovery
           against any person or organization         4. Our Limits Of Liability
           who may be liable to an insured               Regardless of the number of insured
           person;                                       persons, injured persons, claims, claimants
       3) attend any hearing or trial.                   or policies involved, our total liability under
   d) Under the Damage To Property Of                    Coverage X — Family Liability
       Others protection, give us a sworn                Protection for damages resulting from one
       statement of the loss. This must be made          occurrence will not exceed the limit shown
       within 60 days after the date of loss. Also,      on the Policy Declarations. All bodily injury
       an insured person must be prepared to             and property damage resulting from
       show us any damaged property under that           continuous or repeated exposure to the same
       person’s control.                                 general conditions is considered the result of
                                                         one occurrence.
   Any insured person will not voluntarily pay
   any money, assume any obligations or incur             Our total liability under Coverage Y —
   any expense, other than for first aid to others        Guest Medical Protection for all medical
   at the time of the loss as provided for in this        expenses payable for bodily injury, to any
   policy.                                                one person, shall not exceed the “each person”
                                                          limit shown on the Policy Declarations.
34



                                                      Section III — Optional Protection




5. Bankruptcy                                         Optional Coverages You May Buy
   We are not relieved of any obligation under
   this policy because of the bankruptcy or           The following Optional Coverages may
   insolvency of an insured person.                   supplement coverages found in Section I or
                                                      Section II and apply only when they are
6. Our Rights To Recover Payment —                    indicated on the Policy Declarations. The
   Coverage X — Family Liability                      provisions of this policy apply to each Optional
   Protection                                         Coverage in this section unless modified by the
   When we pay any loss, an insured person’s          terms of the specific Optional Coverage.
   right to recover from anyone else becomes
   ours up to the amount we have paid. An             1. Coverage BC
   insured person must protect these rights              Building Codes
   and help us enforce them.                             We will pay up to 10% of the amount of
                                                         insurance on the Policy Declarations under
7. Suit Against Us                                       Coverage A — Dwelling Protection to
                                                         comply with local building codes after covered
   a) No suit or action can be brought against
      us unless there has been full compliance           loss to dwelling or when repair or
      with all the terms of this policy.                 replacement results in increased cost due to
   b) No suit or action can be brought against           the enforcement of any building codes,
      us under Coverage X — Family                       ordinances or laws regulating the
      Liability Protection until the obligation          construction, reconstruction, maintenance,
      of an insured person to pay is finally             repair or demolition of the dwelling.
      determined either by judgment against           2. Coverage BP
      the insured person after actual trial, or          Increased Coverage On Business
      by written agreement of the insured                Property
      person, injured person, and us.                    The $1,000 limitation on business property
   c) No one shall have any right to make us a           located on the residence premises, under
      party to a suit to determine the liability of      Coverage C — Personal Property
      an insured person.                                 Protection, is increased to the amount shown
                                                         on the Policy Declarations. This increased
8. Other Insurance — Coverage X — Family                 coverage includes property held as samples or
   Liability Protection                                  for sale or delivery after sale, while the
   This insurance is excess over any other valid         property is on the residence premises.
   and collectible insurance except insurance
   that is written specifically as excess over the
   limits of liability that apply to this policy.
                                                                                             35




3. Coverage DP                                    a) sudden and accidental direct physical loss
   Increased Coverage On Electronic Data             to the property held in common by all
   Processing Equipment                              building owners caused by a loss we cover
   The $5,000 limitation on electronic data          under Section I of this policy; or
   processing equipment under Coverage C —        b) bodily injury or property damage
   Personal Property Protection, and the             covered under Section II of this policy.
   recording or storage media used with that
   equipment, is increased to the amount shown    Any reduction or elimination of payments for
   on the Policy Declarations.                    losses because of any deductible applying to
                                                  the insurance coverage of the association of
4. Coverage F                                     building owners collectively is not covered
   Fire Department Charges                        under this protection.
   The $500 limit applying to the fire
   department service charges under Additional    Allstate will pay only when the assessment
   Protection is increased to the amount shown    levied against the insured person, as a
   on the Policy Declarations.                    result of any one loss, for bodily injury or
                                                  property damage exceeds $250 and then only
5. Coverage G                                     for the amount of such excess. This coverage
   Loss Assessments                               is not subject to any deductible applying to
   If your residence premises includes a          Section I of this policy.
   building structure which is constructed in
   common with one or more similar buildings,     In the event of an assessment, this coverage is
   and you are a member of, and subject to the    subject to all the exclusions applicable to
   rules of, an association governing the areas   Sections I and II of this policy and the
   held in common by all building owners as       Section I and II Conditions, except as
   members of the association, the insured        otherwise noted.
   premises means the building structure
   occupied exclusively by your household as a    This coverage is excess over any insurance
   private residence, including the grounds,      collectible under any policy or policies
   related structures and private approaches to   covering the association of building owners.
   them.

   We will pay your share of any special
   assessments charged against all building
   owners by the association up to the limit of
   liability shown on the Policy Declarations,
   when the assessment is made as a result of:
36




6. Coverage J                                                 We do cover sudden and accidental direct
   Extended Coverage On Jewelry, Watches                      physical loss by fire resulting from nuclear
   and Furs                                                   action.
   Coverage C — Personal Property                          d) war or warlike acts, including, but not
   Protection is extended to pay for sudden and               limited to insurrection, rebellion or
   accidental direct physical loss to the following           revolution.
   property, subject to the provisions in this             e) failure by any insured person to take all
   coverage:                                                  reasonable steps to preserve property
   a) jewelry, watches, gems, precious and                    during and after a loss or when the property
       semi-precious stones, gold, platinum; and              is endangered by a cause of loss we cover.
   b) furs, including any item containing fur
       which represents its principal value.               Any deductible shown on the Policy
                                                           Declarations applicable to Coverage C —
     The total amount of coverage and per item             Personal Property Protection, also applies
     limit is shown on the Policy Declarations.            to a loss under this coverage.
     This amount is not in addition to the amount
                                                        7. Coverage K
     of insurance applying to Coverage C —                 Incidental Office, Private School Or
     Personal Property Protection. However, in             Studio
     no event will coverage be less than would have        a) The $200 and $1,000 limits applying to
     applied in the absence of Coverage J.                    property used or intended for use in a
                                                              business under Coverage C —
     We do not cover loss caused by or consisting of:         Personal Property Protection do not
     a) intentional or criminal acts of or at the             apply to equipment, supplies and
        direction of any insured person, if the               furnishings used in a described office,
        loss that occurs:                                     private school or studio at your
        1) may be reasonably expected to result               residence premises. This does not
                                                              include electronic data processing
            from such acts; or
                                                              equipment or the recording or storage
        2) is the intended result of such acts.               media used with that equipment.
     b) wear and tear, gradual deterioration,
        inherent vice, insects or vermin;                  The Coverage K limits are shown on the
     c) nuclear action, meaning nuclear reaction,          Policy Declarations. The first limit applies to
        discharge, radiation or radioactive                property on the residence premises. The
        contamination or any consequence of any            second limit applies to property while away
        of these. Loss caused by nuclear action is         from the residence premises. These limits
        not considered a loss by fire, explosion or        are not in addition to Coverage C —
        smoke.                                             Personal Property Protection,
                                                                                                    37




   Limitations On Certain Personal                      under Coverage C — Personal Property
   Property on property used or intended for            Protection is increased to the amount shown
   use in a business. The increased coverage            on the Policy Declarations.
   does not include property held for sample, sale
   or delivery after sale.                           10. Coverage P
                                                         Business Pursuits
   b) Coverage X — Family Liability                      Coverage X — Family Liability
      Protection and Coverage Y — Guest                  Protection and Coverage Y — Guest
      M edical Protection are extended to                Medical Protection are extended to cover
      cover a described office, private school or        specified business pursuits of an insured
      studio occupied by an insured person.              person.
      The occupancy of the described property
      shall not be considered a business.               We do not cover:
                                                        a) bodily injury or property damage
   We do not cover bodily injury to:                       arising out of the business pursuits of an
   a) any employee other than a residence                  insured person when the business is
      employee; or                                         owned or financially controlled by the
   b) any person arising out of corporal                   insured person. This also means a
      punishment administered by or at the                 partnership or joint venture of which an
      direction of an insured person.                      insured person is a partner or member;
                                                        b) bodily injury or property damage
8. Coverage LR                                             arising out of the rendering or failure to
   Lock Replacement                                        render a professional service of any
   Coverage A — Dwelling Protection is                     nature, other than teaching;
   extended to include reasonable expenses you          c) bodily injury to a fellow employee of an
   incur to replace or re-key exterior door locks          insured person arising out of and in the
   at the residence premises with locks or                 course of employment;
   cylinders of like kind and quality. Coverage is      d) bodily injury or property damage
   provided when a key to a lock is stolen as part         when an insured person is a member of
   of a covered theft loss. The limit of liability         a teaching staff or faculty of any school or
   under this coverage following any one theft             college and the bodily injury or
   loss is $250.                                           property damage arises out of the
                                                           maintenance or use of saddle animals,
                                                           vehicles used with saddle animals,
9. Coverage M
   Increased Coverage On Money                             motorized land vehicles, aircraft or
   The $200 limitation on money, bullion, bank
   notes, coins and other numismatic property
38




        watercraft when owned, hired or operated        13. Coverage SE
        by an insured person or used for the                Portable Cellular Communication
        purpose of instruction; or                          Systems
     e) bodily injury to any person arising out of          Coverage C — Personal Property
        corporal punishment administered by or              Protection is extended to portable cellular
        at the direction of an insured person               communication systems in or upon a
        when an insured person is a member of               motorized land vehicle or watercraft. This
        the teaching staff or faculty of any school         coverage applies only to portable systems that
        of instruction.                                     can be powered by electricity from a motorized
                                                            land vehicle or watercraft. Coverage applies
11.Coverage S                                               whether or not the portable cellular
    Increased Coverage On Securities                        communication system is used in a business.
    The $1,000 limitation on accounts, bills,
    deeds, evidences of debt, letters of credit,           The amount of coverage is shown on the Policy
    notes other than bank notes, passports,                Declarations.
    securities, tickets, or stamps, including
    philatelic property, covered under Coverage         14. Coverage ST
    C — Personal Property Protection, is                    Increased Coverage On Theft Of
    increased to the amount shown on the Policy             Silverware
    Declarations.                                           The $2,500 limitation on theft of silverware,
                                                            pewterware and goldware under Coverage
12. Coverage SD                                             C — Personal Property Protection is
    Satellite Dish Antennas                                 increased to the amount shown on the Policy
    Coverage C — Personal Property                          Declarations.
    Protection is extended to pay for sudden and
    accidental direct physical loss to satellite dish
    antennas and their systems on your
    residence premises, subject to the
    provisions of Coverage C — Personal
    Property Protection.

     The amount of coverage is shown on the Policy
     Declarations.
                                                                                                       39




IN WITNESS WHEREOF, Allstate has caused this policy to be signed by its Secretary and its President
at Northbrook, Illinois, and if required by state law, this policy shall not be binding unless countersigned
on the Policy Declarations by an authorized agent of Allstate.




                     Secretary                                             President,
                                                        Allstate Personal Property & Casualty Company
40

								
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