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Dwelling_Manual

VIEWS: 20 PAGES: 95

									 DWELLING
PROPERTIES
 PROGRAM
 This Manual Contains Final Rates




          January 2008
                                       VIRGINIA PROPERTY INSURANCE ASSOCIATION

                                                                   Base Rates
                                                         Fire – Coverage A & C All Forms
                                                                 Owner Occupied


KEY PREMIUMS
                                                                                   KEY FACTORS
FP 1
                                    Number of Families                                     Limit of                 Limit of
                  CONST




                                  1                    2                                   Liability                Liability
 Protection                                                                                (000’s)      Coverage    (000’s)      Coverage
                               Coverage          Coverage
                          Building Contents Building Contents                                           A                        C
Territory - All                                                                            1            0.430       1            0.253
            M              $68       $19      $75      $19                                 2            0.460       2            0.336
 Protected                                                                                 3            0.490       3            0.419
            F              $85       $24      $94      $24
                                                                                           4            0.520       4            0.502
   Semi-    M              $85       $24      $94      $24
                                                                                           5            0.550       5            0.585
 Protected F               $132      $37     $145      $37
                                                                                           6            0.580       6            0.668
            M              $102      $28     $113      $28                                 7            0.610       7            0.751
Unprotected
            F              $166      $46     $183      $46                                 8            0.640       8            0.834
                                                                                           9            0.670       9            0.917
                                     Number of Families                                    10           0.700       10           1.000
                  CONST




                                 3 or 4            5 or More                               11           0.730       11           1.083
 Protection
                               Coverage           Coverage                                 12           0.760       12           1.166
                          Building Contents Building Contents                              13           0.790       13           1.249
Territory - All                                                                            14           0.820       14           1.332
            M              $99       $27                $52                                15           0.850       15           1.415
 Protected                                                                                 16           0.880       16           1.498
            F              $124      $34                $65
   Semi-    M              $124      $34                $65                                18           0.940       17           1.581
 Protected F                                                                               20           1.000       18           1.664
                           $192      $53               $101
                                                                                           22           1.030       19           1.747
            M              $148      $41                $78
Unprotected                                                                                24           1.060       20           1.830
            F              $241      $67               $127
                                                                                           26           1.090       21           1.913
                                                                                           28           1.120       22           1.996
FP 2                                                                                       30           1.150       23           2.079
                                    Number of Families                                     32           1.180       24           2.162
                                                                                           34           1.210       25           2.245
                  CONST




                                  1                    2
 Protection                                                                                36           1.240       26           2.328
                               Coverage          Coverage
                          Building Contents Building Contents                              38           1.270       27           2.411
Territory - All                                                                            40           1.300       28           2.494
                                                                                           42           1.330       29           2.577
            M              $87       $24      $96      $24
 Protected                                                                                 44           1.360       30           2.660
            F              $109      $30     $120      $30
                                                                                           46           1.390       31           2.743
   Semi-    M              $109      $30     $120      $30
                                                                                           48           1.420       32           2.826
 Protected F               $169      $47     $186      $47                                 50           1.450       33           2.909
            M              $131      $36     $144      $36                                 55           1.525       34           2.992
Unprotected
            F              $213      $59     $234      $59                                 60           1.600       35           3.075
                                                                                           65           1.675       36           3.158
                                     Number of Families                                    70           1.750       37           3.241
                  CONST




                                 3 or 4            5 or More                               75           1.825       38           3.324
 Protection
                               Coverage           Coverage                                 80           1.900       39           3.407
                          Building Contents Building Contents                              85           1.975       40           3.490
Territory - All                                                                            90           2.050       41           3.573
            M              $127      $35                $67                                95           2.125       42           3.656
 Protected                                                                                 100          2.200       43           3.739
            F              $159      $44                $83
   Semi-    M              $159      $44                $83                                105          2.275       44           3.822
 Protected F               $246      $68               $129                                110          2.350       45           3.905
            M              $190      $53               $100                                115          2.425       46           3.988
Unprotected                                                                                120          2.500       47           4.071
            F              $309      $86               $162
                                                                                           125          2.575       48           4.154
                                                                                           130          2.650       49           4.237
                                                                                           135          2.725       50           4.320
                                                                                           140          2.800
                                                                                           145          2.875
                                                                                           Each                     Each
                                                                                           Additional   .015        Additional   0.083
                                                                                           $1,000                   $1,000




Dwelling Rates                                                      Page 1                                         December 2009
                                              VIRGINIA PROPERTY INSURANCE ASSOCIATION


                                                                  Base Rates
                                                        Fire – Coverage A & C All Forms
                                                             Non-Owner Occupied


                                  KEY PREMIUMS                                                         KEY FACTORS

FP 1                                                                                      Limit of      Coverag   Limit of     Coverag
                                   Number of Families                                     Liability        e      Liability       e
                  CONST




                                  1                   2                                   (000’s)                 (000’s)
 Protection                                                                                                A                     C
                               Coverage            Coverage                                   1           0.430       1         0.253
                          Building Contents   Building Contents                               2           0.460       2         0.336
Territory - All                                                                               3           0.490       3         0.419
            M               $75      $19        $83      $19                                  4           0.520       4         0.502
  Protected
            F               $94      $24       $103      $24                                  5           0.550       5         0.585
   Semi-    M               $94      $24       $103      $24                                  6           0.580       6         0.668
 Protected F               $145      $37       $160      $37                                  7           0.610       7         0.751
                                                                                              8           0.640       8         0.834
            M              $113      $28       $124      $28                                  9           0.670       9         0.917
Unprotected
            F              $183      $46       $201      $46                                 10           0.700      10         1.000
                                                                                             11           0.730      11         1.083
                                     Number of Families                                      12           0.760      12         1.166
                                                                                             13           0.790      13         1.249
                  CONST




                                 3 or 4            5 or More
 Protection                                                                                  14           0.820      14         1.332
                               Coverage           Coverage
                                                                                             15           0.850      15         1.415
                          Building Contents Building Contents
                                                                                             16           0.880      16         1.498
Territory - All                                                                              18           0.940      17         1.581
            M              $109      $27                 $52                                 20           1.000      18         1.664
  Protected
            F              $136      $34                 $65                                 22           1.030      19         1.747
   Semi-    M              $136      $34                 $65                                 24           1.060      20         1.830
 Protected F               $211      $53                $101                                 26           1.090      21         1.913
            M              $163      $41                 $78                                 28           1.120      22         1.996
Unprotected                                                                                  30           1.150      23         2.079
            F              $265      $67                $127
                                                                                             32           1.180      24         2.162
                                                                                             34           1.210      25         2.245
FP 2                                                                                         36           1.240      26         2.328
                                    Number of Families                                       38           1.270      27         2.411
                  CONST




                                  1                    2                                     40           1.300      28         2.494
 Protection                                                                                  42           1.330      29         2.577
                               Coverage          Coverage
                                                                                             44           1.360      30         2.660
                          Building Contents Building Contents
                                                                                             46           1.390      31         2.743
Territory - All                                                                              48           1.420      32         2.826
            M               $96      $24       $106      $24                                 50           1.450      33         2.909
  Protected
            F              $120      $30       $132      $30                                 55           1.525      34         2.992
   Semi-    M              $120      $30       $132      $30                                 60           1.600      35         3.075
 Protected F               $186      $47       $205      $47                                 65           1.675      36         3.158
            M              $144      $36       $159      $36                                 70           1.750      37         3.241
Unprotected                                                                                  75           1.825      38         3.324
            F              $234      $59       $258      $59
                                                                                             80           1.900      39         3.407
                                                                                             85           1.975      40         3.490
                                     Number of Families                                      90           2.050      41         3.573
                  CONST




                                 3 or 4            5 or More                                 95           2.125      42         3.656
 Protection
                               Coverage           Coverage                                  100           2.200      43         3.739
                          Building Contents Building Contents                               105           2.275      44         3.822
Territory - All                                                                             110           2.350      45         3.905
            M              $139      $35                 $67                                115           2.425      46         3.988
  Protected                                                                                 120           2.500      47         4.071
            F              $174      $44                 $83
                                                                                            125           2.575      48         4.154
   Semi-    M              $174      $44                 $83
                                                                                            130           2.650      49         4.237
 Protected F               $270      $68                $129                                135           2.725      50         4.320
            M              $209      $53                $100                                140           2.800
Unprotected
            F              $340      $86                $162                                145           2.875
                                                                                            Each                    Each
                                                                                          Additional      .015    Additional    0.083
                                                                                           $1,000                  $1,000



Dwelling Rates                                                      Page 2                                            December 2009
                                    VIRGINIA PROPERTY INSURANCE ASSOCIATION


                                                             BASE RATES
                                                      Extended Coverage-All Forms
                                                            Coverages A & C


NON-SEASONAL
                                                                           Limit of                Limit of
Refer to Rule 4.2.3 for rating seasonal properties. Form                   Liability    Coverage   Liability     Coverage
FP-2 is not eligible for seasonal or secondary coverage.                   (000’s)         A       (000’s)          C
                                                                               1          0.525        1           0.307
                                        Form                                   2          0.550        2           0.384
                          Coverage A            Coverage - C                   3          0.575        3           0.461
Territory                FP-1    FP-2          FP-1     FP-2                   4          0.600        4           0.538
                                                                               5          0.625        5           0.615
05 - 07,                                                                       6          0.650        6           0.692
30 - 31,      Inland     $15     $38           $2          $8                  7          0.675        7           0.769
37 - 41                                                                        8          0.700        8           0.846
                                                                               9          0.725        9           0.923
10, 12,                                                                       10          0.750       10           1.000
            Seacoast     $62     $126          $27        $69
32 - 36                                                                       11          0.775       11           1.095
                                                                              12          0.800       12           1.190
                                                                              13          0.825       13           1.285
11, 13      Beachfront   $407    $681          $120       $242                14          0.850       14           1.380
                                                                              15          0.875       15           1.475
                                                                              16          0.900       16           1.570
                                                                              18          0.950       17           1.665
                                                                              20          1.000       18           1.760
                                                                              22          1.050       19           1.855
                                                                              24          1.100       20           1.950
                                                                              26          1.150       21           2.045
                                                                              28          1.200       22           2.140
                                                                              30          1.250       23           2.235
                                                                              32          1.300       24           2.330
                                                                              34          1.350       25           2.425
                                                                              36          1.400       26           2.520
                                                                              38          1.450       27           2.615
                                                                              40          1.500       28           2.710
                                                                              42          1.550       29           2.805
                                                                              44          1.600       30           2.900
                                                                              46          1.650       31           2.995
                                                                              48          1.700       32           3.090
                                                                              50          1.750       33           3.185
                                                                              55          1.875       34           3.280
                                                                              60          2.000       35           3.375
                                                                              65          2.125       36           3.470
                                                                              70          2.250       37           3.565
                                                                              75          2.375       38           3.660
                                                                              80          2.500       39           3.755
                                                                              85          2.625       40           3.850
                                                                              90          2.750       41           3.945
                                                                              95          2.875       42           4.040
                                                                             100          3.000       43           4.135
                                                                             105          3.125       44           4.230
                                                                             110          3.250       45           4.325
                                                                             115          3.375       46           4.420
                                                                             120          3.500       47           4.515
                                                                             125          3.625       48           4.610
                                                                             130          3.750       49           4.705
                                                                             135          3.875       50           4.800
                                                                             140          4.000
                                                                             145          4.125
                                                                             Each                    Each
                                                                           Additional     .025     Additional      0.095
                                                                            $1,000                  $1,000




Dwelling Rates                                                   Page 3                                         December 2009
                                          Dwelling Rating Worksheet
                                          Dwelling                         Contents                 Other Structures
                                   Fire           Other Perils      Fire          Other Perils       Fire       Other Perils

                       Rate
   Key Premium       Pages 1-3

                                  X                  X              X                 X               X              X
  Increased Limits     Rate
       Factor        Pages 1-3

                                  =                  =              =                 =               =              =

  Initial Premium

                                   -                  -              -                 -              -              -
                     Rule 7.1
 Vandalism Credit    Page 13      n/a                              n/a                               n/a

                                  =                  =              =                 =               =              =

  Base Premium

                                  X                  X              X                 X               X              X
   Mobile Home       Rule 4.2.2
     Factor           Page 9                                                                        1.00           1.00

                                  X                  X              X                 X               X              X
                     Rule 4.2.3
  Seasonal Factor     Page 9                                                                        1.00           1.00

                                  X                  X              X                 X               X              X
   Fire Resistive    Rule 4.2.5                                                                  Coverage B     Coverage B

       Factor         Page 9                                                                     Factor   .50   Factor   .50
                                  X                  X              X                 X               X              X
                     Rule 5.1
 Deductible Factor   Page 11                                                                        1.00           1.00

                                  =                  =              =                 =               =              =

  Final Premium


January 2001                            Virginia Property Insurance Association                      AAIS Dwelling Program
             VIRGINIA PROPERTY INSURANCE ASSOCIATION
                   DWELLING PROPERTIES MANUAL

Rule 1.      Eligibility ......................................................................................................................1
  1.1     Eligible Risks ..................................................................................................................1
  1.2     Incidental Business Activities .........................................................................................1
  1.3     Ineligible Risks................................................................................................................1
Rule 2.      Program Description ...................................................................................................2
  2.1     Policy Forms...................................................................................................................2
    2.1.1.      Required Coverages ...............................................................................................2
    2.1.2.      Optional Coverages & Endorsements .....................................................................2
    2.1.3.      Required Endorsements..........................................................................................2
  2.2     Principal Coverages .......................................................................................................2
    2.2.1.      Coverage A – Residence ........................................................................................2
    2.2.2.      Coverage B -- Related Private Structures ...............................................................3
    2.2.3.      Coverage C -- Personal Property ............................................................................3
    2.2.4.      Coverage D -- Additional Living Costs and Fair Rental Value.................................3
  2.3     Loss Settlement Provisions ............................................................................................3
    2.3.1.      Form FP-1 and Mobile Homes ................................................................................3
    2.3.2.      Forms FP-2 .............................................................................................................3
  2.4     Perils Insured Against.....................................................................................................4
    2.4.1.      Forms FP-1 and FP-2..............................................................................................4
  2.5     Policy Limits....................................................................................................................4
    2.5.1.      Form FP-1 ...............................................................................................................5
    2.5.2.      Form FP-2 ...............................................................................................................5
Rule 3.      Policywriting Instructions.............................................................................................6
  3.1     Inception Time ................................................................................................................6
  3.2     Policy Term.....................................................................................................................6
    3.2.1.      Annual .....................................................................................................................6
  3.3     Additional Interests .........................................................................................................6
  3.5     Coinsurance ...................................................................................................................6
  3.6     Restriction of Coverage ..................................................................................................6
  3.7     Cancellation or Reductions in Limits of Liability or Coverages .......................................6
  3.8     Contributing Insurance ...................................................................................................6
  3.9     Multiple Locations...........................................................................................................6
  3.10       Minimum Premium ......................................................................................................7
  3.11       Waiver of Premium .....................................................................................................7
Rev 4.0                                            Table of Contents - 1                                                 January 2008
              Includes copyrighted material from American Insurance Services, Inc., with its permission
             VIRGINIA PROPERTY INSURANCE ASSOCIATION
                   DWELLING PROPERTIES MANUAL

  3.12       Premium Rounding .....................................................................................................7
  3.13       Interpolation ................................................................................................................7
Rule 4.      Premium Determination ..............................................................................................8
  4.1     Calculation of Premium ..................................................................................................8
  4.2     Special Rating Instructions .............................................................................................9
    4.2.1.      Row Houses and Townhouses................................................................................9
    4.2.2.      Mobile Homes .........................................................................................................9
    4.2.3.      Seasonal Properties ................................................................................................9
    4.2.4.      Dwellings Under Construction .................................................................................9
    4.2.5.      Fire Resistive Construction ...................................................................................10
  4.3     Change in Limits or Addition of Coverages ..................................................................10
Rule 5.      Deductibles ...............................................................................................................11
  5.1     Flat Deductibles -- All Perils .........................................................................................11
    5.1.1.      Minimum Deductible..............................................................................................11
  5.2     Named Storm Windstorm Deductibles .........................................................................11
    5.2.1.      Minimum Named Storm Windstorm Deductibles...................................................12
Rule 6.      Premium Modifications..............................................................................................13
  6.1     Protective Devices........................................................................................................13
  6.4     Ordinance or Law .........................................................................................................13
    6.4.1.      Excluding Coverage for Increased Cost to Respond to Pollutants........................13
Rule 7.      Coverage Options .....................................................................................................15
  7.1     Vandalism -- Form FP-1 Only .......................................................................................15
  7.4     Inflation Guard Coverage -- Coverages A and B..........................................................15
  7.5     Loss Assessment .........................................................................................................15
    7.5.1.      Without Earthquake...............................................................................................15
  7.6     Private Structures .........................................................................................................15
    7.6.2.      Specific Structures ................................................................................................15
    7.6.3.      Residential Rental to Others .................................................................................16
    7.6.4.      Incidental Business Activities – Related Private Structure ....................................16
  7.7     Theft Coverage.............................................................................................................16
    7.7.2.      Limited...................................................................................................................16
    7.7.3.      Protective Devices.................................................................................................16
  7.8     Replacement Value -- Personal and Miscellaneous Property ......................................17
  7.11       Coverage D - Additional Living Costs and Fair Rental Value ...................................17
Rev 4.0                                          Table of Contents - 2                                                January 2008
              Includes copyrighted material from American Insurance Services, Inc., with its permission
           VIRGINIA PROPERTY INSURANCE ASSOCIATION
                 DWELLING PROPERTIES MANUAL

     7.11.1.       Form FP-1..........................................................................................................17
     7.11.2.       From FP-2..........................................................................................................17
  7.12      Tenant's Improvements -- Forms FP-1 and FP-2 .....................................................18
  7.17      Condominium Fixtures, Additions, and Alterations -- ................................................19
     7.17.1.       Basic Perils Coverage .......................................................................................19
     7.17.2.       Broad Perils Coverage.......................................................................................19
     7.17.3.       Without Coverage C ..........................................................................................20
  7.19      Certified Terrorism Losses........................................................................................21
Definition 1 --       FIRE PROTECTION DEFINITIONS...............................................................23
Definition 2 --       CONSTRUCTION DEFINITIONS...................................................................23
Definition 3 --       TERRITORIAL DEFINITIONS........................................................................24
Definition 4 --       FIRE PREMIUM GROUP CHART .................................................................31




Rev 4.0                                         Table of Contents - 3                                              January 2008
               Includes copyrighted material from American Insurance Services, Inc., with its permission
          VIRGINIA PROPERTY INSURANCE ASSOCIATION
                DWELLING PROPERTIES MANUAL


Rule 1. ELIGIBILITY
   1.1 Eligible Risks
      A Dwelling Properties policy may be issued to cover:
          a one- to four-family dwelling used for private residential purposes;
          a private residential dwelling in a row house or townhouse that contains not more
          than four family units per fire division;
          a mobile home used for private residential purposes that is not self-propelled and is
          permanently situated at a fixed location;
          private structures related to dwellings;
          a condominium unit-owner's interest in additions, alterations, structures, installations,
          and other items; or
          personal property located in a one- to four-family dwelling, row house or townhouse,
          mobile home, related private structure, apartment, condominium unit, or other
          structure.
   1.2 Incidental Business Activities
      An insured or an occupant of the insured premises may engage in one of the following
      incidental business activities on the premises without affecting the eligibility status of the
      risk:
          a business or professional office, private school or studio where no more than two
          people work;
          a small service business, such as a barber shop, beauty parlor, dressmaker, tailor, or
          shoe repair where no more than two people work; or
          storage of merchandise up to $10,000 in value.
      This rule applies to dwelling and contents coverage only.
   1.3 Ineligible Risks
      A Dwelling Properties policy may not be issued to cover:
          farm dwellings and farm properties;
          self-propelled mobile homes and mobile homes not permanently situated at a fixed
          location;
          dwellings in row houses or townhouses containing more than four family units per fire
          division; or
          dwellings, mobile homes, related private structures, or condominium units with
          business occupancies other than the incidental business activities described in this
          manual.
      Refer to the Manual of Operational Procedures filed by the Association with the State
      Corporation Commission, Bureau of Insurance, for additional guidelines.




Rev 4.0                                         Rules - 1                                         January 2008
          Includes copyrighted material from American Insurance Services, Inc., with its permission
          VIRGINIA PROPERTY INSURANCE ASSOCIATION
                DWELLING PROPERTIES MANUAL


Rule 2. PROGRAM DESCRIPTION
This is a general description of the coverage provided by the Dwelling Properties forms. The
policy forms state the complete conditions.
   2.1 Policy Forms
       2.1.1. Required Coverages
       A Dwelling Properties policy may be issued by using one of the following forms
       FP-1                 Basic Form
       FP-2                 Broad Form
       2.1.2. Optional Coverages & Endorsements
       FL-10                Automatic Increase In Insurance (Mandatory with FP-2 Form)
       FL-14                Insurance By More Than One Company
       FL-16                Incidental Business Activities
       FL-216               Premises Alarm or Fire Protection Systems
       FL-257               Ordinance or Law
       FL-30                Tenant’s Improvements and Betterments
       FL-32                Condominium Unit-Owner Additions (Broad)
       FL-50                Residential Association Loss Assessment
       FL 5001              Named Storm Windstorm Deductible
       FP DP 00 01          Policies Issued With Restrictions in Coverage
       FP FL-31             Condominium Unit-Owner Additions (Basic)
       FP FL-35             Limited Theft Coverage
       FP FL-55             Replacement Value – Personal & Miscellaneous Property
       2.1.3. Required Endorsements
       Each dwelling policy issued must include the following forms
       FL 670               Certified Terrorism Losses
       FP FL 4901           Wet Rot, Dry Rot, Bacteria, Fungi or Protists Exclusion
   2.2 Principal Coverages
       Four principal coverages are available under a Dwelling Properties policy.
       2.2.1. Coverage A – Residence
       Coverage A covers the dwelling, additions, built-in components, attached fixtures, and
       detachable building items. Coverage also applies to appliances, carpets, and window
       coverings in rental portions of the dwelling. Tools and equipment used to service the
       premises are covered under Coverage A when the policy does not otherwise include
       coverage for personal property.



Rev 4.0                                          Rules - 2                                         January 2008
           Includes copyrighted material from American Insurance Services, Inc., with its permission
          VIRGINIA PROPERTY INSURANCE ASSOCIATION
                DWELLING PROPERTIES MANUAL

      2.2.2. Coverage B -- Related Private Structures
      Coverage B covers unattached structures related to the dwelling, including their
      additions, built-in components, fixtures, and detachable building items. Coverage also
      applies to fences, driveways, sidewalks, and other permanently installed outdoor
      fixtures.
      2.2.3. Coverage C -- Personal Property
      Coverage C covers household contents and personal property usual to the occupancy of
      the dwelling as a residence.
      2.2.4. Coverage D -- Additional Living Costs and Fair Rental Value
      Coverage D covers increased living costs and/or loss of rental value that occurs when
      an insured loss makes a covered location unfit for use. Additional living costs is
      provided under Form FP-2 only.
   2.3 Loss Settlement Provisions
      2.3.1. Form FP-1 and Mobile Homes
      Covered losses are settled on an actual cash value basis.
      2.3.2. Forms FP-2
      An 80% insurance-to-value requirement triggers replacement cost loss settlement for
      covered building losses. Other covered losses are settled on an actual cash value
      basis.




Rev 4.0                                         Rules - 3                                         January 2008
          Includes copyrighted material from American Insurance Services, Inc., with its permission
          VIRGINIA PROPERTY INSURANCE ASSOCIATION
                DWELLING PROPERTIES MANUAL

   2.4 Perils Insured Against
      2.4.1. Forms FP-1 and FP-2
             Form FP-1 (Basic Form Fire and Basic Form Fire and Extended Coverage) and
             form FP-2 (Broad Form) provide coverage for loss caused by the perils indicated
             below.
             Form Used:                 FP-1                 FP-1                  FP-2
                                        Fire               Fire and               Broad
                                                           Extended
             Perils Covered                                Coverage
             Fire or Lightning           X                     X                     X
             Explosion                   X                     X                     X
             Windstorm or Hail                                 X                     X
             Riot or Civil Commotion                           X                     X
             Aircraft                                          X                     X
             Vehicles                                          X                     X
             Smoke                                             X                     X
             Volcanic Action                                   X                     X
             Sinkhole Collapse                                 X                     X
             Vandalism                                      Optional                 X
             Burglary Damage                                                         X
             Falling Objects                                                         X
             Weight of Ice, Snow, or Sleet                                           X
             Accidental Tearing Apart, Burning, or Bulging                           X
             Accidental Discharge of Liquids or Steam                                X
             Freezing of Plumbing or Heating System                                  X
             Sudden and Accidental Electrical Damage                                 X
   2.5 Policy Limits
                                               FP-1                        FP-2
             Coverage A --                    $4,000                     $12,000
             Residence                       Minimum                     Minimum

             Coverage B --
             Related Private              10% of limit                10% of limit
             Structures                   on residence                on residence

             Coverage C --                    $1,000                      $4,000
             Personal Property               Minimum                     Minimum

             Coverage D --                 10% of limit                10% of limit
             Addl. Living Cost*/          on residence                on residence
             Fair Rental Value

             *FP-1 policy does not provide additional living expense.




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      2.5.1. Form FP-1
      An FP-1 policy may include Coverage A and/or Coverage C. Each is rated separately.
      Minimum limits are shown in rule 2.5.
      10% of the Coverage A limit applies to Coverage B and to Coverage D (Fair Rental
      Value) without an additional charge. No coverage is provided under form FP-1 for
      Additional Living Costs. Payment of a loss under Coverage B or Coverage D will not
      reduce the Coverage A limit available for the same loss. Show the Coverage B and
      Coverage D limits on the declarations.
      2.5.2. Form FP-2
      An FP-2 policy may include Coverage A and/or Coverage C. Each is rated separately.
      Minimum limits are determined and filed by the company with the State Corporation
      Commission, Bureau of Insurance.
      10% of the Coverage A limit applies to Coverage B and to Coverage D without an
      additional charge. Payment of a loss under Coverage B or Coverage D will not reduce
      the Coverage A limit available for the same loss. Show the Coverage B and Coverage D
      limits on the declarations.




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Rule 3. POLICYWRITING INSTRUCTIONS
   3.1 Inception Time
      The policy must be issued to take effect at 12:01 A.M. on the inception date.
      Indicate the inception time on the declarations.
   3.2 Policy Term
      3.2.1. Annual
      Rating information for annual policies is shown in this manual. An annual policy can be
      extended for successive terms by using a continuation certificate. The premium for each
      successive term is based on the rating information, rules, forms, and endorsements in
      effect on the extension date.
   3.3 Additional Interests
      An additional owner's interest in a covered building may be covered without additional
      charge. That interest shall be shown on the declarations page.
   3.4 Reserved for Future Use
   3.5 Coinsurance
      A coinsurance clause is not required in any policy written under the provisions of this
      manual.
   3.6 Restriction of Coverage
      If a policy would not be issued because of unusual exposures, the applicant may request
      a restriction of coverage at no reduction in premium. The request, signed by the
      applicant, must be referred to the company. Each request must be submitted by the
      company to the State Corporation Commission, Bureau of Insurance.
      Endorsement FP DP 00 01
   3.7 Cancellation or Reductions in Limits of Liability or Coverages
      If the policy is canceled, coverage is removed or the limits are reduced, the amount of
      any return premium due is calculated on a pro rata basis.
   3.8 Contributing Insurance
      When the Association provides its maximum limits, coverage may be divided between
      two or more companies. All policies must contain the same deductible. All additional
      limits and coverages must be divided between the companies.
      Endorsement FL -14
   3.9 Multiple Locations
      A single policy can be issued to cover property at different locations in Virginia if the
      same form and same deductible option apply at each location. Describe each location
      and show the limits that apply. Use supplemental declarations if necessary. Indicate
      that the deductible applies "at each location".



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   3.10 Minimum Premium
      A minimum annual premium of $250 shall be charged for each location. The minimum
      premium may include all chargeable endorsements or coverages for Fire and Allied
      Lines, if written at the inception of the policy.
   3.11 Waiver of Premium
      An additional or return premium of $10 or less due when a policy is endorsed after its
      inception may be waived, however, return premiums must be refunded at the request of
      the insured.
   3.12 Premium Rounding
      Each premium shown on the policy and endorsements shall be rounded to the nearest
      whole dollar. A premium of fifty cents or more shall be rounded to the next highest
      dollar.
   3.13 Interpolation
      Rating information for a limit that is between two limits shown in this manual can be
      developed by interpolation.
      Example $33,000 desired limit: The nearest increased fire limits shown are $32,000 and
      $34,000. For $32,000 the key factor is 1.180. For $34,000 the key factor is 1.210.
      Figure the difference between the two key factors and divide by 20. This provides the
      factor per $100.
      1.210 − 1.180 = .030
          .030 ÷ 20 = .0015
      Multiply the factor per $100 time 10, and add to 1.180.
        .0015 × 10 = .015
      .015 + 1.180 = 1.195
      The key factor for $33,000 in this example is 1.195.




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Rule 4. PREMIUM DETERMINATION
   4.1 Calculation of Premium
      Step 1
      Determine which of the following apply:
          Form of Coverage: FP-1 or FP-2
          FP-1 Only: Extended Coverage and Vandalism Perils
          Coverage A
          Coverage C
          Special Rating Instructions (Rule 4.2)
          Deductibles (Rule 5)
          Premium Modifications (Rule 6)
          Coverage Options (Rule 7)
      Step 2
      Select the Premium Group from the Territorial Definitions Page that reflects the territory,
      protection, and construction classifications that apply and determine the occupancy
      classification.
      Step 3
      If Coverage A applies, use the following steps to determine the premium. (Also follow
      any special rating instructions described in Rule 4.2.)
          A. Select the Coverage A FIRE premium for the policy limit, apply the factor for the
          deductible option selected, and apply any special rating factors from Rule 4.2.
          B. Form FP-1 only: If the extended coverage and vandalism perils apply, select the
          Coverage A OTHER PERILS premium for the territory and policy limit, apply the
          factor for the deductible option selected, and apply any special rating factors from
          Rule 4.2.

          Form FP-1 only: If the extended coverage perils apply but vandalism does not,
          reduce the OTHER PERILS premium for the territory and policy limit by the
          vandalism credit (Rule 7.1), apply the factor for the deductible option selected, and
          apply any special rating factors from Rule 4.2.

          Form FP-2: Select the Coverage A OTHER PERILS premium for the territory and
          policy limit, apply the factor for the deductible option selected, and apply any special
          rating factors from Rule 4.2.
          C. The Coverage A premium is the sum of the FIRE and OTHER PERILS premiums
          determined by following Steps 3A and 3B.
      Step 4
      If Coverage C applies, use the Coverage C FIRE and OTHER PERILS premiums and
      follow the process described in Step 3.

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      Step 5
      If any premium modifications apply, adjust the Coverage A and/or Coverage C premiums
      determined in Steps 3 and 4.
      Step 6
      If any coverage options apply, add the additional charges to the Coverage A and/or
      Coverage C premiums determined in Step 5.
      Step 7
      If both Coverage A and Coverage C apply, the total policy premium is the sum of the
      premiums determined in Step 6.
   4.2 Special Rating Instructions
      4.2.1. Row Houses and Townhouses
      The occupancy classification for eligible row houses and townhouses is determined by
      the number of family units in the fire division.
      4.2.2. Mobile Homes
      Use the rating information for a frame dwelling of the appropriate number of families and
      apply the mobile home factors shown below.
                                                           Fire            Other
                                                                           Perils
                              Coverage A                  2.50              1.50
                              Coverage C                  2.50              1.50
      4.2.3. Seasonal Properties
      An insured structure occupied as a residence containing contents customary to the
      occupancy of a home.
                                                     Fire               Other
                                                                        Perils
                            Coverage A               1.00                1.10
                            Coverage C               1.00                1.10
      4.2.4. Dwellings Under Construction
      Use the rating information for nonowner-occupied dwellings.




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      4.2.5. Fire Resistive Construction
      Use the rating information for masonry construction and apply the fire resistive
      construction factors shown below.
                                                     Fire               Other
                                                                        Perils
                            Coverage A                .65                 .65
                            Coverage C               1.00                1.00
   4.3 Change in Limits or Addition of Coverages
      Policy limits may be increased or coverages added during the policy term. Compute the
      additional premium on a pro rata basis using the same forms, endorsements, and rating
      information in effect when the current policy premiums were calculated.




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Rule 5. DEDUCTIBLES
   5.1 Flat Deductibles -- All Perils
      The policy may be issued with one of the deductible options shown below. Apply the
      deductible factors shown below.
             Deductible           Coverage A & C        Coverage A & C
             Amount                     Fire              Other Perils
             $250                      1.00               See Rule 5.2
             $500                       .95               See Rule 5.2
             $1,000                     .90               See Rule 5.2
             $2,500                     .80               See Rule 5.2
      The deductible amount is shown on the declarations; no endorsement is needed.
      5.1.1. Minimum Deductible
      The base deductible is $250. The minimum deductible will be based on the combined
      limit of building and contents coverage for a location. It will be determined from the chart
      below.
               Combined                 Minimum
               Values                  Deductible
               $1,000 - $100,000          $250
               $100,001 - $250,000        $500
               Over $250,000             $1,000
   5.2 Named Storm Windstorm Deductibles
      A policy that includes Coverage A can be issued with a deductible applicable to loss
      caused by windstorm that is higher than the deductible that applies to all other perils.
      The Named Storm Windstorm Deductible must be expressed as a flat dollar amount.
      The Named Storm Windstorm Deductible is applicable to the dwelling and related
      coverages (Coverages B, C, and any applicable incidental coverages).
      The following named storm windstorm deductible options are available:
                                               Flat Amount
                                                   $1,000
                                                   $2,000
                                                   $5,000




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      Use the factors shown below to adjust the OTHER PERILS premium. These factors are
      to be used in lieu of the factors shown in Rule 5.1.
                                              Named Storm Windstorm Deductible
                  All Other Perils
                    Deductible                 $1,000            $2,000            $5,000
                  $250          1.00            0.93               0.87              0.82
                  $500          0.85            0.81               0.75              0.70
                 $1,000         0.75             N/A               0.67              0.63
                 $2,500         0.55             N/A               N/A               0.53
      When a flat named storm windstorm deductible applies, show the deductible amounts on
      the declarations.
      5.2.1. Minimum Named Storm Windstorm Deductibles
      Each risk located in a Beachfront or Seacoast territory as defined in
      Definition 3 - Territorial Definitions will be issued with a mandatory Named Storm
      Windstorm Deductible. The base Named Storm Windstorm Deductible is $1,000. The
      minimum deductible will be based on the combined limit of building and contents
      coverage for a location. It will be determined from the chart below.
              Combined          Minimum Named Storm
              Values             Windstorm Deductible
              $4,000 - $100,000           $1,000
              Over $100,000               $2,000




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Rule 6. PREMIUM MODIFICATIONS
   6.1 Protective Devices
      The protective device factors shown below may be applied for the installation of the
      following approved and properly maintained alarm and/or sprinkler systems:
                              Protective Devices                             FireCoverage A
                         Central Station Alarms - Fire                               0.92
                       Central Station Alarms - Smoke                                0.92
                            Fire Department Alarms                                   0.95
                          Police Department Alarms                                   0.95
                                  Local Alarms                                       0.97
      Endorsement FL -216
   6.2 Reserved for Future Use
   6.3 Reserved for Future Use
   6.4 Ordinance or Law
      6.4.1. Excluding Coverage for Increased Cost to Respond to Pollutants
      Coverage can be added for the increased cost that results from the enforcement of a
      code, ordinance, or law that regulates the use, construction, repair, demolition, or
      removal of debris of covered property following a covered loss.
      Apply the following ordinance or law factors to the premiums for the following coverages
      when they are provided by the policy:
                                                                  Fire              Other
                                                                                    Perils
              Excluding Coverage For Increased
                                                                 1.20                1.20
              Cost To Respond To Pollutants
      --      Coverages A and C;
      --      Private structures under Rule 7.6;
      --      Increased limits of Tenant's Improvements (FL-1 and FL-2); and
      --      Increased limits of Condominium Fixtures, Additions, and Alterations (FL-2).
      This coverage does not increase the policy limits; therefore, the increased cost that will
      result from the enforcement of a code, ordinance, or law must be reflected in the limits
      for the coverages shown above.
      Endorsement FL 0257




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   6.5 Reserved for Future Use
   6.6 Reserved for Future Use
   6.7 Reserved for Future Use
   6.8 Reserved for Future Use




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Rule 7. COVERAGE OPTIONS
   7.1 Vandalism -- Form FP-1 Only
      Vandalism is an optional coverage under policy form FP-1. Make an entry on the
      declarations to show that FP-1 coverage applies "with vandalism" or "without vandalism".
      If coverage for vandalism does not apply, use the credit shown below to reduce the
      OTHER PERILS premium.
          Vandalism Credit             $0.09        Per $1,000 of Insurance
   7.2 Reserved for Future Use
   7.3 Reserved for Future Use
   7.4 Inflation Guard Coverage -- Coverages A and B
      The Coverage A and B limits can be automatically increased on a quarterly basis. Apply
      the rating information shown in this manual to all Coverage A and B premiums, including
      premiums developed under Rule 7.6.
                             Inflation Guard                       Fire       Other Perils
                       .5% Quarterly Increase
                    Surcharge-Coverages A And B                   .75%             .75%
      Endorsement FL-10
   7.5 Loss Assessment
      7.5.1. Without Earthquake
      Coverage can be added for loss assessment charged to the insured when collectively
      owned property is damaged by a peril insured against, other than earthquake. Use the
      rating information shown below.
                Without Earthquake           FP1       $7.31      Per $1,000 of Insurance
                Without Earthquake           FP2       $9.38      Per $1,000 of Insurance
      Endorsement FL -50
   7.6 Private Structures
      7.6.1. Reserved for Future Use
      7.6.2. Specific Structures
      Coverage may be provided for a specific private structure adjacent to a covered dwelling
      for an additional charge. To be eligible for coverage under this rule, a private structure
      cannot be:
          used for business purposes; or
          rented or held for rental to anyone other than a tenant of the residence, except for
          use solely as a private garage.




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      Use the Coverage A rating information for a one-family, owner-occupied dwelling in the
      applicable territory, construction, and protection classification; apply the deductible
      factors; and apply the Coverage B factors shown below. The perils and deductible
      option must be the same for all Coverage A and Coverage B structures insured under
      the same policy.
      Form FP-1 Only: If the extended coverage perils apply but vandalism does not, reduce
      the OTHER PERILS premium by the vandalism credit (Rule 7.1) before applying the
      deductible and Coverage B factors.
                          Private Structures               Fire       Other Perils
                          Coverage B Factors              0.50             0.50
      Describe the structure (Coverage B) on the declarations and show the limit that applies.
      7.6.3. Residential Rental to Others
      Private structures rented to others, or held for rental, for residential purposes can be
      insured under Coverage A. Use the Coverage A rating information for a nonowner-
      occupied dwelling in the applicable territory, construction, protection, and occupancy
      classification and apply the deductible factors. The perils and deductible option must be
      the same for all Coverage A structures covered by the same policy.
      Describe the structure (Coverage A) on the declarations and show the limit that applies.
      7.6.4. Incidental Business Activities – Related Private Structure
      A private structure on the premises with incidental business activities related to the
      private structure can be covered by endorsement. Use the Coverage A rating
      information for a one-family, owner-occupied dwelling in the applicable territory,
      construction, and protection classification and apply the deductible factors. The perils
      and deductible option must be the same for all Coverage A and Coverage B structures
      covered by the same policy.
      Endorsement FL –16 Incidental Business Activities – Related Private Structure
      7.6.5. Reserved for Future Use
   7.7 Theft Coverage
      7.7.1. Reserved for Future Use
      7.7.2. Limited
      On-premises theft coverage can be added in $1,000 increments to policies that insure
      personal property in owner-occupied dwellings. The maximum available limit is $5,000.
      Use the rating information shown below.
                Limited On-Premises             $26.25        Per $1,000 of Insurance
      Endorsement FP FL -35
      7.7.3. Protective Devices
      The protective device factors shown below may be applied to the premium determined
      for on-premises limited theft coverage when an approved and properly maintained
      burglar alarm system has been installed.



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                                                                        Premium Modification
                        Protective Devices                                    Factors
                  Central Station Alarms - Fire                                      .92
                    Police Department Alarms                                         .95
                            Local Alarms                                             .97
      Endorsement FL -216
   7.8 Replacement Value -- Personal and Miscellaneous Property
      Personal property and other miscellaneous property can be insured for its replacement
      value. Increase coverage C fire and other perils premium by 45%.
      Endorsement FP FL-55
   7.9 Reserved for Future Use
   7.10 Reserved for Future Use
   7.11 Coverage D - Additional Living Costs and Fair Rental Value
      7.11.1. Form FP-1
      Additional living costs coverage is not provided by this form. The policy automatically
      includes coverage for fair rental value. The Coverage D basic limit cannot be increased.
      7.11.2. From FP-2
      The policy automatically includes coverage for additional living costs and fair rental
      value. The Coverage D basic limit can be increased for an additional charge. The
      Coverage D perils must be the same as the Coverage A perils. The additional charge
      applies only to the amount of insurance in excess of the basic limit.
      If the insured premises is a one- to four-family dwelling, calculate the Coverage D
      charge by using the Coverage A base rating information for the territory, construction,
      protection, and occupancy classification that applies to the dwelling where the insured
      resides and apply the Coverage D factors shown below. Do not apply any deductible
      factors. When the policy includes Coverage A, the Coverage D perils must be the same
      as the Coverage A perils. If Coverage A does not apply, the Coverage D perils must be
      the same as the Coverage C perils.
      If the insured premises is a five-plus family building, calculate the Coverage D charge by
      using the Coverage C rating information for the territory, construction, occupancy, and
      protection classifications that apply to Coverage C and apply the Coverage D factors
      shown below. The Coverage D perils must be the same as the Coverage C perils.
      Show the Coverage D limit on the declarations.




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                         Coverage D Factors                      Fire       Other Perils
                   One to Four Family Dwellings                  0.40             0.40
                     Five-Plus Family Buildings                  0.30             0.30
   7.12 Tenant's Improvements -- Forms FP-1 and FP-2
      When form FP-1 or FP-2 is issued to cover a tenant's personal property, incidental
      coverage for the tenant's interest in permanent fixtures, alterations, decorations, and
      additions is automatically extended for up to 10% of the Coverage C limit. Loss
      settlement is on an actual cash value basis. No additional charge applies and no
      endorsement is needed.
      The limit that applies to tenant's improvements can be increased for an additional
      charge. Use the "Each Add'l $1,000" rating information for the perils and the territory,
      construction, protection, and occupancy classification that apply to Coverage C and
      apply the deductible factors. The additional charge applies only to the amount of
      insurance in excess of 10% of the Coverage C limit.
      Endorsement FL-30
   7.13 Reserved for Future Use
   7.14 Reserved for Future Use
   7.15 Reserved for Future Use
   7.16 Reserved for Future Use




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   7.17 Condominium Fixtures, Additions, and Alterations --
      7.17.1. Basic Perils Coverage
      When policy form FP-1 is issued to a condominium unit-owner to cover the unit contents,
      10% of the Coverage C limit is automatically extended to cover the unit-owner's interest
      in fixtures, additions, alterations, structures, installations, and other building related
      items. Coverage applies on a basic perils basis. No additional charge applies.
      Attach Endorsement FP FL-31 and show the limit that applies (10% of the Coverage C
      limit) on the declarations as Coverage A -- Condominium Fixtures, Additions, and
      Alterations.
      The 10% limit can be increased for an additional charge. Use the rating information
      shown below for "Basic Perils -- Increased Limit". The additional charge applies only to
      the amount of insurance in excess of 10% of the Coverage C limit.


                                              Fire Rates
                                        Per $1,000 of Insurance
                                                       Frame       Masonry
                                    Protected           $5.36        $4.29
                                 Semi-Protected         $8.31        $5.36
                                   Unprotected         $10.45        $6.43


                                      Extended Coverage Rates
                                       Per $1,000 of Insurance
                                         Inland                     $0.25
                                       Seacoast                     $0.65
                                      Beachfront                    $2.35


      Attach Endorsement FP FL-31 and show the total limit that applies on the declarations
      as Coverage A -- Condominium Fixtures, Additions, and Alterations.
      7.17.2. Broad Perils Coverage
      When policy form FP-2 is issued to a condominium unit-owner to cover the unit contents,
      10% of the Coverage C limit is automatically extended to cover the unit-owner's interest
      in fixtures, additions, alterations, structures, installations, and other building related
      items. Coverage applies on a broad perils basis. No additional charge applies.
      Attach Endorsement FL-32 and show the limit that applies (10% of the Coverage C
      limit) on the declarations as Coverage A -- Condominium Fixtures, Additions, and
      Alterations.
      The 10% limit can be increased for an additional charge. Use the rating information
      shown below for "Broad Perils -- Increased Limit". The additional charge applies only to
      the amount of insurance in excess of 10% of the Coverage C limit.


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                                              Fire Rates
                                        Per $1,000 of Insurance
                                                       Frame       Masonry
                                    Protected           $6.88        $5.50
                                 Semi-Protected $10.66               $6.88
                                   Unprotected         $13.41        $8.25


                                      Extended Coverage Rates
                                       Per $1,000 of Insurance
                                             Inland                 $0.31
                                           Seacoast                 $0.80
                                          Beachfront                $2.89


      Attach Endorsement FL-32 and show the total limit that applies on the declarations as
      Coverage A -- Condominium Fixtures, Additions, and Alterations.

      7.17.3. Without Coverage C
      Basic Perils
      Basic form coverage can be provided for the unit-owner's interest in fixtures, additions,
      alterations, structures, installations, and other building related items when coverage is
      not provided for the unit contents. Use the FIRE and BASIC (FP-1) OTHER PERILS
      rating information for three- to four-family nonowner-occupied dwellings in the applicable
      territory, construction, and protection classification and apply the deductible factors.
      Attach Endorsement FP FL-31 (Basic Perils) and show the limit that applies on the
      declarations as Coverage A -- Condominium Fixtures, Additions, and Alterations.
      Broad Perils
      Broad form coverage can be provided for the unit-owner's interest in fixtures, additions,
      alterations, structures, installations, and other building related items when coverage is
      not provided for the unit contents. Use the FIRE and Broad (FP-2) OTHER PERILS
      rating information for three- to four-family nonowner-occupied dwellings in the applicable
      territory, construction, and protection classification and apply the deductible factors.
      Attach Endorsement FL-32 (Broad Perils) and show the limit that applies on the
      declarations as Coverage A -- Condominium Fixtures, Additions, and Alterations.




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   7.18 Reserved for Future Use
   7.19 Certified Terrorism Losses
      The Association can endorse a policy covering the property exposures of premises that
      are regularly rented or held for rental to others to include provisions pertaining to
      coverage for certified terrorism losses. Under the Terrorism Risk Insurance Act of 2002
      (the Act), the added provisions apply only in the event that the Secretary of the Treasury
      determines that the exposures covered by the policy are subject to the Act or any
      amendments thereto.
      These rules apply only to policies written to cover the property and/or liability exposures
      of premises that are regularly rented or held for rental to others.
      Certified Terrorism Losses -- A certified terrorism loss is any loss that is covered by an
      applicable coverage part and that results from an act of terrorism if:
      1.      such loss occurs:
              a.       within the United States; or
              b.       to an air carrier (as defined in section 40102 of title 49, United States
                       Code); to a United States flag vessel (or a vessel based principally in the
                       United States, on which United States income tax is paid and whose
                       insurance coverage is subject to regulation in the United States),
                       regardless of where the loss occurs; or at the premises of any United
                       States mission; and
      2.      the act of terrorism is certified by the Secretary of the Treasury, in concurrence
              with the Secretary of State and the Attorney General of the United States:
              a.       to be an act of terrorism;
              b.       to be a violent act or an act that is dangerous to human life, property, or
                       infrastructure;
              c.       to have resulted in damage:
              1)       within the United States; or
              2)       outside of the United States in the case of an air carrier or vessel
                       described in paragraph 1.b. above or at the premises of any United
                       States mission; and
              d.       to have been committed by an individual or individuals acting on behalf of
                       any foreign person or foreign interest, as a part of an effort to coerce the
                       civilian population of the United States or to influence the policy or affect
                       the conduct of the United States Government by coercion.
      An act of terrorism resulting in losses less than $5,000,000 in the aggregate will not be
      certified by the Secretary of the Treasury as an act of terrorism.




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                DWELLING PROPERTIES MANUAL

      The Act requires The Association notify policyholders of the availability of coverage for
      certified terrorism losses and the premium charge applicable to such coverage. The
      premium will be waived for the portion of coverage The Association retains and the
      Federal share of compensation for insured losses must be disclosed on a separate line
      item of the policy. The separate line item requirement can be satisfied by indicating the
      premium charge and Federal share of compensation on the Declarations page of the
      policy; elsewhere within the policy; or in any rider or endorsement that is made a part of
      the policy.
      Attach endorsement FL 0670.




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Definition 1 -- FIRE PROTECTION DEFINITIONS
Protected                       Building is located within five road miles of a responding fire
                                department and within 1,000 feet of a fire hydrant.
Partially Protected             Building is located within five road miles of a responding fire
                                department, but does not otherwise qualify for Protected
                                status.
Unprotected                     All others.

Definition 2 -- CONSTRUCTION DEFINITIONS
Building or Fire Division       One part of an enclosed structure that is separated from
                                other parts of the structure by space or by masonry walls that
                                are at least eight inches thick and that go through or to the
                                underside of the roof. Any openings through such masonry
                                walls must be protected by fire doors that are approved for
                                installation on fire walls.
Fire Resistive                  A dwelling with exterior walls, floors, and roof constructed
                                entirely of masonry or noncombustible materials on
                                incombustible supports and having a Fire Resistance Rating
                                of at least one hour.
Frame                           A dwelling with exterior walls constructed of combustible
                                materials, such as wood, or constructed of incombustible
                                materials on combustible supports.
Masonry                         A dwelling with exterior walls constructed of brick, concrete
                                block, concrete, tile, or other masonry materials or
                                constructed of incombustible materials on incombustible
                                supports.
Masonry Veneered                A dwelling with exterior walls constructed of a combustible
                                material covered with masonry. Dwellings of masonry
                                veneered construction will be classified as masonry for rating
                                purposes.
Mixed                           Dwellings of mixed frame and masonry construction will be
                                classified as frame for rating purposes if walls of frame
                                construction exceed 33-1/3% of total exterior wall area.




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                  DWELLING PROPERTIES MANUAL


Definition 3 -- TERRITORIAL DEFINITIONS
Independent City                                       EC Zone                        Territory
Alexandria                                             Inland                           139

Bedford                                                Inland                             141

Bristol                                                Inland                             106

Buena Vista                                            Inland                             141

Charlottesville                                        Inland                             141

Chesapeake                                             Seacoast                           136

Clifton Forge                                          Inland                             141

Colonial Heights                                       Inland                             105

Covington                                              Inland                             141

Danville                                               Inland                             105

Emporia                                                Inland                             105

Fairfax                                                Inland                             140

Falls Church                                           Inland                             140

Franklin                                               Inland                             105

Fredericksburg                                         Inland                             141

Galax                                                  Inland                             106

Hampton                                                Seacoast                           133

Harrisonburg                                           Inland                             141

Hopewell                                               Inland                             105

Lexington                                              Inland                             141

Lynchburg                                              Inland                             141


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Independent City                                      EC Zone                        Territory
Manassas                                              Inland                           140

Manassas Park                                         Inland                             140

Martinsville                                          Inland                             105

Newport News                                          Seacoast                           132

Norfolk                                               Seacoast                           135

Norton                                                Inland                             107

Petersburg                                            Inland                             105

Poquoson                                              Seacoast                           134

Portsmouth                                            Seacoast                           136

Radford                                               Inland                             106

Richmond                                              Inland                             130

Roanoke                                               Inland                             137

Salem                                                 Inland                             138

South Boston                                          Inland                             105

Staunton                                              Inland                             141

Suffolk                                               Seacoast                           136

Virginia Beach except Beach Area                      Seacoast                           110
   Beach Area                                         Beachfront                         111

Waynesboro                                            Inland                             141

Williamsburg                                          Inland                             141

Winchester                                            Inland                             141




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            VIRGINIA PROPERTY INSURANCE ASSOCIATION
                  DWELLING PROPERTIES MANUAL

All of the following areas are designated as Beach Area in the Independent City of
Virginia Beach:

Starting northward from the North Carolina border, east of line running along the
western shore of Back Bay area to where Hell Point Creek empties into North Bay;
thence, along Hell Point Creek to Lake Tecumseh and Redwing Lake; from Redwing
Lake along a creek to Lake Christine; thence, along South Surfside Avenue to Dare
Drive and north to Lake Wesley; across Rudee Inlet to Atlantic Avenue, extending along
Atlantic Avenue to Cape Henry Lighthouse. Also, all islands that are a part of, or east of,
the Chesapeake Bay Bridge Tunnel.


County                                                EC Zone                        Territory
Accomack except Beach Area                            Seacoast                         112
  Beach Area                                          Beachfront                       113

Albemarle                                             Inland                             141

Allegheny                                             Inland                             141

Amelia                                                Inland                             105

Amherst                                               Inland                             141

Appomattox                                            Inland                             105

Arlington                                             Inland                             140

Augusta                                               Inland                             141

Bath                                                  Inland                             141

Bedford                                               Inland                             141

Bland                                                 Inland                             107

Botetourt                                             Inland                             141

Brunswick                                             Inland                             105

Buchanan                                              Inland                             107

Buckingham                                            Inland                             105

Campbell                                              Inland                             105


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County                                                 EC Zone                        Territory
Caroline                                               Inland                           141

Carroll                                                Inland                             106

Charles City                                           Inland                             141

Charlotte                                              Inland                             105

Chesterfield                                           Inland                             131

Clarke                                                 Inland                             141

Craig                                                  Inland                             141

Culpeper                                               Inland                             141

Cumberland                                             Inland                             105

Dickenson                                              Inland                             107

Dinwiddie                                              Inland                             105

Essex                                                  Inland                             141

Fairfax                                                Inland                             140

Fauquier                                               Inland                             141

Floyd                                                  Inland                             106

Fluvanna                                               Inland                             141

Franklin                                               Inland                             105

Frederick                                              Inland                             141

Giles                                                  Inland                             107

Gloucester                                             Seacoast                           134

Goochland                                              Inland                             141

Grayson                                                Inland                             106


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County                                                EC Zone                        Territory
Greene                                                Inland                           141

Greensville                                           Inland                             105

Halifax                                               Inland                             105

Hanover                                               Inland                             141

Henrico                                               Inland                             131

Henry                                                 Inland                             105

Highland                                              Inland                             141

Isle of Wight                                         Seacoast                           136

James City                                            Inland                             141

King and Queen                                        Inland                             141

King George                                           Inland                             141

King William                                          Inland                             141

Lancaster                                             Seacoast                           134

Lee                                                   Inland                             107

Loudoun                                               Inland                             140

Louisa                                                Inland                             141

Lunenburg                                             Inland                             105

Madison                                               Inland                             141

Mathews                                               Seacoast                           134

Mecklenburg                                           Inland                             105

Middlesex                                             Seacoast                           134

Montgomery                                            Inland                             106



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                 DWELLING PROPERTIES MANUAL

County                                                EC Zone                        Territory
Nelson                                                Inland                           141

New Kent                                              Inland                             141

Northampton except Beach Area                         Seacoast                           112
  Beach Area                                          Beachfront                         113

Northumberland                                        Seacoast                           134

Nottoway                                              Inland                             105

Orange                                                Inland                             141

Page                                                  Inland                             141

Patrick                                               Inland                             106

Pittsylvania                                          Inland                             105

Powhatan                                              Inland                             105

Prince Edward                                         Inland                             105

Prince George                                         Inland                             105

Prince William                                        Inland                             140

Pulaski                                               Inland                             106

Rappahannock                                          Inland                             141

Richmond                                              Inland                             141

Roanoke                                               Inland                             138

Rockbridge                                            Inland                             141

Rockingham                                            Inland                             141

Russell                                               Inland                             107

Scott                                                 Inland                             107

Shenandoah                                            Inland                             141


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                  DWELLING PROPERTIES MANUAL

County                                                 EC Zone                        Territory

Smyth                                                  Inland                             106

Southampton                                            Inland                             105

Spotsylvania                                           Inland                             141

Stafford                                               Inland                             141

Surry                                                  Inland                             105

Sussex                                                 Inland                             105

Tazwell                                                Inland                             107

Warren                                                 Inland                             141

Washington                                             Inland                             106

Westmoreland                                           Inland                             141

Wise                                                   Inland                             107

Wythe                                                  Inland                             106

York                                                   Seacoast                           134


All of the following areas are designated as Beach Area in the Counties of Accomack
and Northampton.

The following and similar localities not specifically named, being the marshlands, necks
and island east of the Eastern shore Peninsula:

Adams Island                       Hog Island                            Myrtle Island
Assateague Island                  Little Cobb Island                    Parramore Island
Assawaman Island                   Long Point Island                     Piney Island
Cedar Island                       Matomkin Island                       Ship Shoal Island
Chincoteague Island                Mink Island                           Smith Island
Cobb Island                        Mockhorn Island                       Wallops Island
Fisherman Island                   Morris Island                         Wreck Island


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                 DWELLING PROPERTIES MANUAL



Definition 4 -- FIRE PREMIUM GROUP CHART
     Territory                       Protected                Partially Protected                Unprotected
                                                     Masonry
          All                             4                              5                            6
                                                      Frame
          All                             1                              2                            3




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DWELLING
LIABILITY
PROGRAM
This Manual Contains Final Rates




         January 2005
           VIRGINIA PROPERTY INSURANCE ASSOCIATION
                   DWELLING LIABILITY MANUAL

Rule 1. ELIGIBILITY — PERSONAL COVERAGES
   1.1 Personal Liability Coverage
      Personal Liability Coverage may be provided for a person maintaining a residence in a
      one-to-two family dwelling or for a person maintaining a residence in a two to four family
      townhouse.

Rule 2. PROGRAM DESCRIPTION — PERSONAL COVERAGES
   2.1 Mandatory Coverages
      The following is a general description of the coverages provided by Form FPGL-1. The
      coverage parts state the complete conditions.
      2.1.1. Coverage L — Liability
      Coverage L pays on behalf of the insured for damages due to bodily injury or property
      damage caused by an occurrence arising out of the insured premises or the insured's
      personal activities.
      2.1.2. Coverage M — Medical Payments to Others
      Coverage M pays medical expenses, incurred by persons who are not insureds, for
      bodily injury related to the insured premises or the insured's personal activities.
   2.2 Limits of Liability
      The basic limits of liability for each coverage are:
      <     Coverage L — $100,000 Per Occurrence
      <     Coverage M — $1,000 Per Person
            $25,000 Per Accident

Rule 3. POLICYWRITING INSTRUCTIONS
      Unless indicated otherwise, this rule applies to the Personal Liability Coverages.
   3.1 Policy Issue — Personal Coverages
      The Personal Liability Coverages described in this manual must be issued as
      endorsements to dwelling fire policies.
      3.1.1. Reserved for Future Use
      3.1.2. Package Policies
      When Personal Liability Coverage is used as an endorsement to a dwelling fire policy,
      the policy conditions that address assignment, cancellation, change, inspections and
      examination of books also govern Personal Liability Coverage.
      <     Fire and Personal Liability Package                Fire Policy + FPGL-1




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           VIRGINIA PROPERTY INSURANCE ASSOCIATION
                   DWELLING LIABILITY MANUAL
   3.2 Reserved for Future Use
   3.3 Mandatory Endorsements
      A dwelling fire policy may be endorsed to provide liability protection by attaching the
      following forms. If liability coverage is requested the following forms must be attached to
      the policy.
      FPGL-1              Personal Liability Coverage
      In addition to the mandatory forms listed above, the following optional endorsements
      may be attached along with form FPGL-1
      GL-70               Additional Insured
      FP DL 00 02 Request for Issuance With Restrictions in Coverage
   3.4 Reserved for Future Use
   3.5 Reserved for Future Use
   3.6 Additional Interests — Personal Liability Coverages
      3.6.1. Interests Permitted
      Personal Liability Coverage may be extended to include the additional interests
      described below at no additional premium charge. Coverage is limited to the specific
      insurable interest in the premises.
      <     A person or organization with an interest in the insured's location, except as
            specified in 3.6.2.
      Endorsement GL-70 Additional Insured
      3.6.2. Interests Not Permitted
      A tenant or lessee may not be included as an Additional Interest under the Personal
      Coverages.
   3.7 Reserved for Future Use
   3.8 Cancellation or Reduction in Limits of Liability or Coverages
      Mandatory dwelling coverages may not be canceled unless Personal Liability Coverage
      is canceled.
      Coverage must be canceled in accordance with the terms of applicable cancellation
      provisions. Return premium, if any, is computed on a pro rata basis.
   3.9 Restriction of Coverage
      If a policy would not be issued because of unusual exposures, the applicant may request
      a restriction of coverage at no reduction in premium. The request, signed by the
      applicant, must be referred to the company. Each request must be submitted by the
      company to the State Corporation Commission, Bureau of Insurance.
      Endorsement FP DL 00 02




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        VIRGINIA PROPERTY INSURANCE ASSOCIATION
                DWELLING LIABILITY MANUAL
Rule 4. PREMIUM DETERMINATION — PERSONAL LIABILITY
  COVERAGES
   4.1 Rating Basis
      The rating basis shown for each classification described in Rule 5 is used to calculate
      the premium for the various Personal Liability exposures.
   4.2 Required Coverages
      Coverage is required for the following exposures if they exist:
      <     All residence premises of the named insured.
   4.3 Calculation of Premium
      The premium is computed as follows:
      4.3.1. Use Rule 5 to determine the classifications for all required and optional
           coverages. Calculate the number of rating bases for each classification.
      4.3.2. Use the following table to obtain the rates, at the appropriate limit, for the
           classifications determined in 4.3.1.
           Code                                   Description                                  Premium
           701 00                     Initial Residence — one family                               $65
           702 00       Additional Charge for a Two Family Dwelling or Two                         $33
                                    to Four Family Townhouse
      4.3.3. Reserved for Future Use
      4.3.4. Multiply the rates determined in 4.3.3 by the respective number of rating
           bases determined in 4.3.1. The sum of these products is the policy premium.

Rule 5. CLASSIFICATIONS — PERSONAL LIABILITY COVERAGES
   5.1 Classifications that apply to Personal Liability
      5.1.1.              Residences
      A residence includes incidental garages and stables. Each portion of an additional
      residence to be insured must be individually rated.
      Code No.            Rating Basis
      700 00              Initial Residence — one family ............................................................ each
      701 00              Additional Charge for a Two Family Dwelling or Townhouse per family unit
      If two or more persons co-own and occupy separate portions of a two- family dwelling, a
      single policy may be issued to cover these persons as named insureds. Compute the
      premium for each portion using Code No. 700 00.
      Endorsement GL-70 — Additional Insureds




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           VIRGINIA PROPERTY INSURANCE ASSOCIATION
                   DWELLING LIABILITY MANUAL
      5.1.2. Reserved for Future Use
      5.1.3. Business Activities
      No coverage will be provided if there are any business pursuits carried on at the insured
      premises. See the Manual of Operational Procedures for eligibility requirements.




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FP-1 (01-08)                                 -- READ THIS ENTIRE POLICY CAREFULLY --                                                                  Ed 2.1
                                                      IT IS A LEGAL CONTRACT


                                                                        BASIC FORM



The following Table of Contents shows how the policy is organized. It will help you locate particular sections of the
policy.


                                                                TABLE OF CONTENTS


                                                                                                                                               Page
        Agreement .......................................................................................................................        1

        Waiver of Small Premiums ..............................................................................................                 1

        Definitions ........................................................................................................................    2

        Principal Coverages ........................................................................................................            2

        Incidental Coverages.......................................................................................................             4

        Perils Insured Against -- Coverages A, B, C, and D........................................................                              5

        General Exclusions..........................................................................................................            6

        What You Must Do in Case of Loss.................................................................................                       7

        How Much We Pay for Loss or Claim..............................................................................                         8

        Payment of Loss ..............................................................................................................          9

        Policy Conditions .............................................................................................................         9



Required state endorsements may also be part of this policy.

Refer to the Definitions for words that have special meaning. These words are shown in "bold type".

                                                                        AGREEMENT

This policy, subject to all of its terms, provides property insurance and other described coverages during the
policy period. In return you must pay the required premium. Each of the Principal Coverages described in this
policy applies only if a limit is shown on the Declarations for that coverage.

                                                         WAIVER OF SMALL PREMIUMS

When this policy is endorsed subsequent to the effective date, any additional or return premiums of $10.00 or less,
will be waived by the Virginia Property Insurance Association. However, if the insured requests a refund, the
Association will honor such request.




FP-1 (01-08)                                     Page 1 of 11                                            Ed 2.1
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                                                    DEFINITIONS

1. The words you and your mean the person or                 4. Insured Premises means the location shown on the
   persons named on the Declarations and your                   Declarations.
   spouse if a resident of your household. The words
   we, us, and our mean the company providing this           5. Limit means the limit of liability that applies.
   insurance.
                                                             6. Motorized Vehicle means a self-propelled land or
2. Business means a trade, profession, or occupation            amphibious vehicle regardless of method of surface
   including farming, all whether full or part time.            contact.

3. Credit Card means a card, plate, coupon book, or          7. Terms means all provisions, limitations, exclusions,
   other credit device used to obtain money, property,          conditions, and definitions used in this policy.
   labor, or services on credit. This includes debit cards
   or fund transfer cards used to deposit, withdraw or
   transfer funds.

                                              PRINCIPAL COVERAGES

Coverage A -- Residence                                         attached fixtures. Structures that are connected to
                                                                the residence by only a fence, a utility line, or a
1. We cover the residence on the insured premises,              similar connection are not considered attached. On
   including its additions, built-in components, and            the insured premises, we also cover:
   attached fixtures. On the insured premises, we also
                                                                a. fences, driveways, and sidewalks;
   cover:
                                                                b. other permanently installed outdoor fixtures;
   a. building items that can be detached from the
                                                                c. building materials and supplies for use in
      covered residence, such as screens and storm
                                                                   construction of or to a related private structure;
      doors;
                                                                   and
   b. appliances, carpets, and window coverings in that         d. building items that can be detached from covered
      part of the residence you rent to others;                    related private structures, such as screens and
                                                                   storm doors.
   c. building materials and supplies for use in
      construction of or to the residence; and               2. Coverage B does not cover:
                                                                a. land, including the land on which the property is
   d. if this policy does not provide Coverage C, tools
                                                                   located, underground water or surface water;
      and equipment used to service the insured
      premises. This includes motorized vehicles                b. trees, plants, shrubs, and lawns;
      used only to service the insured premises that
                                                                c. structures used for business; and
      are not required to be licensed for road use.
                                                                d. structures rented or held for rental. This does not
2. Coverage A does not cover:                                      apply to structures:
                                                                    1) rented or held for rental to a tenant of the
   a. land, including the land on which the property is
                                                                       covered residence and not used for business
      located, underground water or surface water;
                                                                       by the tenant; or
                                                                    2) used solely as a private garage.
   b. trees, plants, shrubs, and lawns; and
                                                             Coverage C -- Personal Property
   c. farm tools, farm equipment, and farm motorized
      vehicles.
                                                             1. While on the Insured Premises -- This policy
                                                                covers personal property, while on the insured
Coverage B -- Related Private Structures
                                                                premises, which is usual to the occupancy of the
                                                                dwelling as a residence. The personal property must
1. We cover related private structures on the insured
                                                                be owned or used by you or your family members
   premises which are not attached to the residence,
                                                                who reside with you.
   including their additions, built-in components, and
FP-1 (01-08)                                     Page 2 of 11                                            Ed 2.1
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2. While Away from the Insured Premises -- You                 6. Personal Property Not Covered -- Coverage C
   may apply up to 10 percent of the Coverage C limit             does not cover:
   to cover personal property, while away from the
   insured premises, which is usual to the occupancy              a. land, including the land on which the property is
   of the dwelling as a residence. The personal property             located, underground water or surface water;
   must be owned or used by you, or your family
   members who reside with you.                                   b. trees, plants, shrubs, and lawns;

3. While in a Newly Acquired Principal Residence                  c. animals, birds, or fish;
   -- We pay for loss to covered personal property in a
   newly acquired principal residence. The full                   d. motorized vehicles. This includes their parts,
   Coverage C limit applies for 30 days from the date                equipment, and accessories while in or on a
   you begin to move. After that, coverage for personal              motorized vehicle. We do cover motorized
   property in a newly acquired principal residence is               vehicles that are not subject to motor vehicle
   limited to 10 percent of the Coverage C limit. This               registration if they are designed and used to
   coverage does not extend past the date on which the               assist the handicapped or used only to service
   policy expires or the date on which the policy is                 the insured premises;
   terminated.
                                                                  e. aircraft, including their parts and equipment;
4. Property of Others -- At your option, personal
   property owned by a guest or domestic employee is              f. electronic devices, accessories, or antennas for
   covered while it is in that part of the insured                   the transmitting, recording, receiving or
   premises occupied by you.                                         reproduction of sound that may be operated from
                                                                     the electrical system of a motorized vehicle,
5. Limitations on Certain Property -- The special                    farm equipment, or watercraft while in or on the
   limits shown below do not increase the Coverage C                 motorized vehicle, farm equipment, or
   limit. The limit for each class is the total limit per            watercraft. This includes tapes, wires, discs,
   occurrence for all items in that class.                           records, or other media for use with such devices;

   a. $200 on money, bank notes, bullion, gold other              g. loss that results from credit cards; or
      than goldware and gold-plated ware, silver other
      than silverware and silver-plated ware, platinum,           h. farm property.
      coins, and numismatic property.
                                                               Coverage D -- Fair Rental Value
   b. Regardless of their storage medium, $1,000 on
      securities, bills, letters of credit, notes other than   We pay for the fair rental value if the part of the insured
      bank notes, tickets, accounts, deeds, evidence of        premises rented or held for rental to others is made
      debt, passports, manuscripts, stamps, and                unfit for use by an insured loss. We only pay for the
      philatelic property.                                     period of time reasonably required to make that part of
                                                               the insured premises rented or held for rental to others
   c. $1,000 on watercraft including their trailers,           fit for use. Fair rental value is the amount you would
      furnishings, equipment, and motors.                      have received less the charges and expenses that do
                                                               not continue while the insured premises is unfit for use.
   d. Business property, up to the amounts shown               This period of time is not limited by the policy period.
      below:                                                   We pay your fair rental value for up to two weeks if the
                                                               premises next to the insured premises is damaged by
      1) while on the insured premises, $2,500 on              a peril insured against and you may not, by order of civil
         business property that pertains to a                  authority, use the insured premises. This period of time
         business actually conducted on the insured            is not limited by the policy period.
         premises;
      2) $250 while away from the insured premises.            We do not pay fair rental value due to the cancellation of
                                                               a lease or an agreement.
   e. $1,000 on trailers not otherwise provided for.




FP-1 (01-08)                                     Page 3 of 11                                            Ed 2.1
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                                            INCIDENTAL COVERAGES

This policy provides the following Incidental Coverages.
They are subject to all of the terms of the applicable      3. Trees, Plants, Shrubs, or Lawns -- We pay for loss
Coverages A, B, or C. They are not extended to farm            to trees, plants, shrubs, or lawns on the insured
property. These coverages provide additional insurance         premises caused by:
unless otherwise stated.
                                                               a. fire or lightning, explosion, riot or civil commotion,
1. Emergency Removal -- We pay for loss to covered                aircraft;
   property that is moved to prevent loss by a peril
                                                               b. vehicles, if not owned or operated by you or an
   insured against. The property is covered for direct
                                                                  occupant of the insured premises; or
   physical loss for up to 30 days. This coverage does
   not extend past the date on which this policy               c. if covered by this policy, vandalism or theft.
   terminates.
                                                               We do not cover trees, plants, shrubs, or lawns
   We pay up to a $250 towing charge to move a                 grown for business.
   covered mobile home that is in danger from a peril
   insured against.                                            You may apply up to 5 percent of the Coverage A
                                                               limit on the insured premises to cover trees, plants,
   This coverage does not increase the limits shown            shrubs, or lawns. We do not pay more than $500 for
   for the property being removed.                             each tree, plant, or shrub. This includes the cost to
                                                               remove the debris of the covered item.
2. Debris Removal -- We pay for the cost to remove
   the debris of covered property after an insured loss.    4. Fire Department Service Charge -- We pay up to
   This includes the cost to remove volcanic ash, dust,        $500 for charges assumed by you under a contract
   or particulate matter that causes direct physical loss      or agreement when a fire department is called to
   to covered property.                                        protect covered property from a peril insured against.

   We will not pay more for direct loss to property and     5. Tenant's Improvements -- If you are a tenant, we
   debris removal combined than the limit that applies         pay for loss by perils insured against to
   to the damaged property.                                    improvements on the insured premises made or
                                                               acquired at your expense. These are permanent
   We also pay the cost to remove fallen trees which           fixtures, alterations, decorations, and additions.
   cause damage to property covered under Coverages
   A, B, or C if:                                              You may apply up to 10 percent of the Coverage C
                                                               limit to cover tenant's improvements.
   a. the falling of the tree is caused by any of the
      perils insured against; and
                                                            6. Grave markers -- We pay up to $500 for loss to
   b. coverage is not provided elsewhere by this policy.       grave markers and mausoleums caused by any of
                                                               the perils insured against.
   Regardless of the number of fallen trees, the most
   we will pay is $500 per occurrence.

                          PERILS INSURED AGAINST -- COVERAGES A, B, C, AND D

We insure against direct physical loss caused by the        premium charge and apply only if coverage for
following perils, unless the loss is excluded under the     Extended Coverage is shown on the Declarations.
General Exclusions:
                                                            3. Windstorm or Hail -- However, we do not pay for
1. Fire or Lightning                                           loss:

2. Explosion                                                   a. to the interior of a building or mobile home, or to
                                                                  property inside a structure caused by dust, rain,
Optional Perils -- Extended Coverage -- The following             sand, sleet, snow or water, all whether driven by
perils (Numbers 3 through 9) are subject to an additional         wind or not, which enter through an opening not
                                                                  made by the direct force of wind or hail;

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                                                                  action of water on a limestone or similar rock
   b. to watercraft and their trailers, furnishings,              formation.
      equipment and motors unless inside a fully
      enclosed building. (We do cover canoes and                  However, we do not cover the value of land or the
      rowboats while on the insured premises.); or                cost of filling sinkholes.

    c. to outdoor antennas, including their lead-in wiring,    9. Volcanic Action -- This means:
         masts and towers;
                                                                  a. airborne volcanic blast or airborne shock waves;
4. Riot or Civil Commotion
                                                                  b. ash, dust, or particulate matter; or
5. Aircraft -- This means direct loss from actual
   physical contact of an aircraft with covered property          c. lava flow.
   and includes objects falling from aircraft.
                                                                  However, we do not cover removal of ash, dust, or
6. Vehicles -- However, we do not pay for loss to                 particulate matter that does not cause direct physical
   fences, driveways and walks caused by a vehicle                loss to covered property.
   owned or operated by you or an occupant of the
   insured premises.                                           Optional Peril -- Vandalism -- This peril (Number 10) is
                                                               subject to an additional premium charge and applies
7. Sudden and Accidental Damage from Smoke --                  only if coverage for Vandalism is shown on the
   However, we do not pay for loss caused by smoke             Declarations.
   from agricultural smudging or industrial operations.
                                                              10. Vandalism -- However, we do not pay for loss on
8. Sinkhole Collapse -- This means loss caused by                 the insured premises if the residence is vacant for
   sudden settlement or collapse of earth supporting              more than 30 days in a row just before the loss. A
   covered property. The earth settlement or collapse             residence being built is not vacant.
   must result from subterranean voids created by the

                                              GENERAL EXCLUSIONS

We do not pay for loss if one or more of the following            d. earth sinking, rising, shifting, expanding, or
exclusions apply to the loss, regardless of other causes             contracting. This does not include Sinkhole
or events that contribute to or aggravate the loss,                  Collapse as described under Perils Insured
whether such causes or events act to produce the loss                Against; or
before, at the same time as, or after the excluded
causes or events.                                                 e. volcanic explosion. Volcanic explosion does not
                                                                     include Volcanic Action as described under Perils
1. Civil Authority -- We do not pay for a loss which                 Insured Against.
   results from order of civil authority.
                                                                  We do pay for direct loss caused by fire, explosion
   We pay for loss which results from acts of a civil             (other than a volcanic explosion) and, if covered by
   authority to prevent the spread of fire. We do not pay         this policy, theft resulting from earth movement.
   if the fire was caused by an excluded peril.
                                                               3. Intentional Acts -- We do not provide coverage for
2. Earth Movement -- We do not pay for loss which                 an insured who commits or directs an act with the
   results from earth movement whether the earth                  intent to cause a loss.
   movement results from natural or artificial causes.
                                                               4. Neglect -- We do not pay for loss which results from
   Earth movement includes but is not limited to:                 your neglect to use all reasonable means to save
                                                                  and preserve covered property at and after the time
   a. earthquake;                                                 of a loss.

   b. landslide, subsidence, erosion;                          5. Nuclear Hazard -- We do not pay for loss which
                                                                  results from nuclear reaction, nuclear radiation, or
   c. mudflow;                                                    radioactive contamination (whether controlled or

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   uncontrolled; whether caused by, contributed to or                 sidewalk, driveway, foundation, swimming pool,
   aggravated by a peril insured against and whether                  or other structure.
   caused by natural, accidental, or artificial means).
   Loss caused by nuclear hazard is not considered                 We pay for direct loss caused by fire; explosion
   loss caused by fire, explosion, or smoke. Direct loss           (other than a volcanic explosion); and, if covered by
   by fire resulting from the nuclear hazard is covered.           this policy, theft resulting from water damage.
                                                               10. Weather Conditions -- We do not pay for loss which
6. Ordinance or Law -- We do not pay for loss or                    results from weather conditions that initiate, set in
   increased cost which results from the enforcement of             motion, or in any way contribute to losses excluded
   a code, ordinance, or law which regulates the use,               under the preceding General Exclusions (Numbers 1
   construction, repair, demolition of property, or                 through 9).
   removal of its debris.
                                                                   We do pay for an ensuing loss unless the ensuing
7. Power Disruption -- We do not pay for loss which                loss itself is excluded.
   results from the disruption of power or other utility
   service, whether or not it is caused by a peril insured     11. Errors, Omissions, and Defects -- We do not pay
   against, if the cause of the disruption is not on the           for loss which results from one or more of the
   insured premises.                                               following:

   We do pay for direct loss by a peril insured against            a. an act, error, or omission (negligent or not)
   which occurs on the insured premises as a result of                relating to:
   the disruption of power.
                                                                      1) land use;
8. War -- We do not pay for loss which results from                   2) the design, specification, construction,
   declared or undeclared war, civil war, insurrection,                  workmanship, or installation of property;
   rebellion, revolution, warlike act by a military force or          3) planning, zoning, development, surveying,
   military personnel, or destruction, seizure, or use of                siting, grading, compaction; or
   property for a military purpose. It includes the                   4) maintenance of property (including land,
   consequences of these. Discharge of a nuclear                         structures, or improvements);
   weapon is deemed an act of war even if it is
   accidental.                                                        whether on or off the insured premises;

9. Water Damage -- We do not pay for loss which                    b. a defect, a weakness, the inadequacy, a fault, or
   results from the following:                                        unsoundness in materials used in construction or
                                                                      repair whether on or off the insured premises.
   a. flood, surface water, waves, tidal water, overflow
      of a body of water, or spray, all whether driven by
                                                                   We do pay for an ensuing loss unless the ensuing
      wind or not;
                                                                   loss itself is excluded.
   b. water which backs up through or overflows from
      sewers, drains, or sumps; or                             12. Wear and Tear -- We do not pay for loss which
                                                                   results from wear and tear, marring, deterioration,
   c. water below the surface of the ground. This
                                                                   inherent vice, latent defect, mechanical breakdown,
      includes water which exerts pressure on, or
                                                                   rust, wet or dry rot, corrosion, mold, contamination,
      seeps or leaks through or into a building,
                                                                   or smog. We do pay for an ensuing loss unless the
                                                                   ensuing loss itself is excluded.

                                      WHAT YOU MUST DO IN CASE OF LOSS

1. Notice -- In case of a loss, you must give us or your           b. the names and addresses of all known potential
   agent prompt notice (We may request written notice).               claimants and witnesses.

   The notice to us must state:                                 2. Other Duties -- You must take all reasonable steps
                                                                   to protect covered property at and after an insured
   a. your name, the policy number and the time,                   loss to avoid further loss. We will pay the reasonable
      place, and the details of the loss; and                      costs incurred by you for necessary repairs or
                                                                   emergency measures performed solely to protect
                                                                   covered property from further damage by a peril
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   insured against if a peril insured against has already             personal property involved in the loss. You
   caused a loss to covered property. You must keep                   must give us copies of all bills, receipts, and
   an accurate record of such costs. However, we will                 related documents to confirm these;
   not pay for such repairs or emergency measures
   performed on property which has not been damaged            b. submit to examination under oath in matters that
   by a peril insured against. This does not increase             relate to the loss or claim as often as we
   our limit.                                                     reasonably request;

   At our request you must:                                    c. show the damaged property as often as we
                                                                  reasonably request;
   a. give us a signed, sworn proof of loss, within 60
      days after our request, that shows:                      d. show records, including tax returns and bank
                                                                  records of all canceled checks that relate to the
      1) the time, place, and the details of the loss;            value, loss, and costs, and permit copies to be
      2) your interest and the interest of all others in          made of them as often as we reasonably request;
         the property. This includes all mortgages and            and
         liens;
      3) other policies that may cover the loss;               e. show records that prove loss of rents and show
      4) changes in title or use;                                 receipts for additional living costs, and permit
      5) available plans and specifications of buildings;         copies to be made of them as often as we
      6) detailed estimates for repair; and                       reasonably request.
      7) in detail, the quantity, description, cost,
         amount of loss, and actual cash value of the

                                   HOW MUCH WE PAY FOR LOSS OR CLAIM

Loss Settlement Terms -- Subject to the deductible or
other limitation that applies, we pay the lesser of:           We pay that part of the loss over the deductible. Not
                                                               more than one deductible applies per occurrence. If
a) the limit that applies;                                     this policy covers more than one residence, the
b) your interest in the property; or                           deductible applies separately to each residence.
c) the amount determined under the Actual Cash Value
   Terms.                                                   3. Loss to a Pair or Set -- If there is loss to an item
                                                               which is part of a pair or set, we pay only to replace
1. Actual Cash Value Terms -- Actual cash value                or repair the item, or we pay the difference in the
   includes a deduction for depreciation, however              actual cash value of the pair or set just before the
   caused. The smallest of the following amounts is            loss and the actual cash value just after the loss.
   used in applying the Loss Settlement Terms:
                                                            4. Insurance Under More Than One Coverage -- If
   a. the cost to repair or replace the property with          more than one coverage of this policy applies to a
      materials of like kind and quality;                      loss, we pay no more than the actual loss.

   b. the actual cash value of the property at the time     5. Insurance Under More Than One Policy -- If there
      of loss; or                                              is other insurance that applies to the loss, we pay
                                                               our share of the loss. Our share is that part of the
   c. (applies only to mobile homes) the difference in         loss that the limit of this policy bears to the total
      the actual cash value just before the loss and the       amount of insurance that applies to the loss.
      actual cash value just after the loss.
                                                            6. Restoration of Limits -- Each loss we pay under
2. Deductible -- This applies to Coverages A, B, and           this policy does not reduce the limits available over
   C; Debris Removal; Trees, Plants, Shrubs and                the policy term.
   Lawns; and Tenant's Improvements. It applies to all
   perils insured against unless otherwise shown.




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                                                    PAYMENT OF LOSS

1. Your Property -- We adjust each loss with you. We            a. to you on behalf of the owner; or
   pay an insured loss within 30 days after an
   acceptable proof of loss is received and the amount          b. to the owner. If we pay the owner, we do not
   of the loss is agreed to in writing. If you and we do           have to pay you.
   not agree, we pay within 30 days after the filing of an
   appraisal award with us. Payment is made to you           4. Our Options -- We may:
   unless a loss payee is named.
                                                                a. pay the loss in money; or
2. Fair Rental Value – If the insured premises is unfit
   for use for more than one month, covered costs are           b. rebuild, repair or replace the property. We must
   paid on a monthly basis. You must give us proof of              give you notice of our intent to do so within 30
   such costs.                                                     days after we receive an acceptable proof of loss.

3. Damage to Personal Property of Others -- At our              We may take all or part of the damaged property at
   option, an insured loss may be adjusted with and             the agreed or appraised value. Property paid for or
   paid:                                                        replaced by us becomes ours.


                                                POLICY CONDITIONS

1. Abandonment of Property -- You may not abandon               two of these three will establish the amounts stated
   the property to us unless we agree.                          above.

2. Appraisal -- If you and we do not agree on the               Each appraiser will be paid by the party selecting
   amount of the loss, the actual cash value of the             that appraiser. The compensation of the umpire and
   property or the cost to repair or replace the property,      other costs of the appraisal will be shared equally by
   either party may demand that these amounts be                you and us.
   determined by appraisal.
                                                                If we make the written demand for an appraisal, we
   If either party makes a written demand for appraisal,        will pay:
   each will select a competent independent appraiser
   and notify the other of the appraiser's identity within      a. the reasonable and necessary cost for your
   20 days after the receipt of the written demand. The            appraiser; and
   two appraisers will select a competent, impartial
   umpire. If the two appraisers are unable to agree            b. your share of the cost for the umpire.
   upon an umpire within 15 days, you or we can ask a
   judge of a court of record in the state where the         3. Assignment -- This policy may not be assigned
   property is located to select an umpire.                     without our written consent.

   For each building item and each item of personal
                                                             4. Cancellation -- You or your duly constituted
   property, the appraisers will determine:
                                                                attorney-in-fact may cancel this policy by returning
                                                                the policy to us or by giving us written notice and
   a. the amount of the loss;
                                                                stating at what future date coverage is to stop.
   b. the actual cash value of the property; and                We may cancel this policy or any of the following
                                                                applicable endorsements:           Personal Liability
   c. the cost to repair or replace the property.               endorsement      or     Limited     Theft    coverage
                                                                endorsement only for the reasons stated below by
   Each amount will be stated separately.                       letting you know in writing of the date of cancellation
                                                                takes effect.    This cancellation notice may be
   If the appraisers submit a written report of an              delivered to you or mailed to you at your mailing
   agreement to us, the agreement will establish these          address shown in the declarations.
   amounts. If the appraisers fail to agree within a
                                                                Proof of mailing will be sufficient proof of notice.
   reasonable time, they will submit only their
   differences to the umpire. A written agreement by            When the policy in effect for less than 90 days:
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   Association may cancel for any reason on ten(10)              month period; or more than three (3) such fires
   days written notice to insured and mortgagee on               in any twenty-four (24) month period, provided
   owner occupied dwellings and five (5) days written            that the cause of such fires is due to conditions
   notice to insured and ten (10) days to mortgagee on           which are the responsibility of the owner-named
   other than owner-occupied dwellings.                          insured;
   When policy in effect for more than 90 days:               j. If the policy includes vandalism coverage, where
                                                                 the building has been subject to more than four
   Notice of Cancellation shall be 30 days except: ten
                                                                 (4) vandalism losses each loss amounting to at
      (10) days to insured and mortgagee on owner
                                                                 least $500 or one percent (1%) of the insurance
      occupied dwellings and five (5) days to insured
                                                                 in force, whichever is greater, in any twelve (12)
      and ten (10) days to mortgagee on other than
                                                                 month period, or more than six (6) such losses in
      owner-occupied dwellings for the following
                                                                 any twenty-four (24) month period;
      underwriting standards or conditions.
                                                              k. Non-payment of premium;
   a. Evidence of owner or occupancy incendiarism;
                                                              l. Buildings which have characteristics of
   b. Building in which at least sixty-five (65%)
                                                                 ownership, condition, occupancy or maintenance
      percent of the rental units in the building are
                                                                 which are violative of public policy;
      vacant or unoccupied and left unprotected
      against trespass (a rental unit will be deemed to       m. Buildings which are in danger of collapse
      be left unprotected against trespass when an               because of serious structural conditions, or
      entrance door to such unit [or an exterior door to         those buildings which are in such a state of
      a hall, stairway, or other common passage                  disrepair as to be dilapidated (except buildings
      leading to such unit], is open, missing, unlocked          actually in the course of repair or
      or unsecured, or when a window in such unit                reconstruction);
      which is accessible to entry is not protected
                                                              n. Buildings on which, because of their physical
      against unauthorized entry);
                                                                 condition, there is an outstanding order to
   c. Fire damage exists and the insured has stated,             vacate, an outstanding demolition order, or
      or such time has elapsed as clearly indicates              which has been declared unsafe in accordance
      that the damage will not be repaired;                      with applicable law;
   d. Buildings in which following a fire, permanent          o. Buildings which become vacant or unoccupied
      repairs following satisfactory adjustment of loss          for sixty (60) consecutive days during the policy
      have not commenced within sixty (60) days;                 term (except buildings which have a seasonal
                                                                 occupancy and buildings actually in the course
   e. Property has been abandoned or there has been
                                                                 of construction or repair and reconstruction
      removal of undamaged salvageable items from
                                                                 which are properly secured against unauthorized
      the building and the insured can give no
                                                                 entry).
      reasonable explanation for such removal;
                                                              p. Physical changes in the property which result in
   f. Utilities such as electric, gas, or water services
                                                                 the property becoming uninsurable as
      have been disconnected and the insured has
                                                                 determined from physical inspection of insured
      failed to pay his account for such services within
                                                                 premises.
      120 days;
                                                              If the premium has not been paid when due, we will
   g. Where reliable information exists that there is
                                                              give you notice at least 15 days before cancellation
      good cause to believe that the building will be
                                                              is effective. Otherwise, we will give you notice at
      burned for the purpose of collecting the
                                                              least 45 days in advance of cancellation.
      insurance on the property;
                                                              Your return premium, if any, will be refunded on a
   h. Conviction or unresolved indictment of a named
                                                              pro rata basis at the time of cancellation or as soon
      insured or loss payee or any other person
                                                              as practical. Payment or tender of the unearned
      having a financial interest in the property of the
                                                              premium is not a condition of cancellation.
      crime of arson or a crime involving a purpose to
      defraud an insurance company;
                                                           5. Reserved for Future Use
   i. Where the building has been subject to more
      than two (2) fires, each loss amounting to at        6. Change, Modification, or Waiver of Policy Terms
      least $500 or one (1%) percent of the insurance         -- A waiver or change of the terms of this policy must
      in force, whichever is greater, in any twelve (12)      be issued by us in writing to be valid. If, in the policy

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    period, we adopt a revision which broadens                     All terms of this policy apply to the mortgagee
    coverage without an additional premium, the                    unless changed by this clause.
    broadened coverage will apply.
                                                                b. If we decide to cancel this policy, the mortgagee
    Our request for an appraisal or examination under
                                                                   will be notified at least 10 days before the date of
    oath does not waive policy terms.
                                                                   cancellation takes effect
 7. Conformity With Statute -- Terms in conflict with
    the laws of the state where the insured premises is
                                                                c. If we pay the mortgagee for a loss and deny
    located are changed to conform to such laws.
                                                                   payment to you:
 8. Death -- On your death, protection on your covered
                                                                   1) we are subrogated, up to the amount we paid
    property passes to:
                                                                      for the loss, to all the rights of the mortgagee
    a. your legal representative; or                                  granted under the mortgage on the property;
                                                                      or
    b. any other persons having proper, temporary
                                                                   2) at our option, we may pay to the mortgagee
       custody of covered property.
                                                                      the whole principal on the mortgage plus the
                                                                      accrued interest. In this event, we shall
 9. Inspection -- We may, but are not required to,
                                                                      receive a full assignment and transfer of the
    inspect your property and operations. Our
                                                                      mortgage and all securities held as collateral
    inspection or resulting advice or report does not
                                                                      to the mortgage debt.
    warrant that your property or operations are safe or
    healthful or comply with laws, rules, or regulations.
                                                                   Subrogation shall not impair the right of the
                                                                   mortgagee to recover the full amount of the
10. Misrepresentation, Concealment, or Fraud -- We
                                                                   mortgagee's claim.
    do not provide coverage if, before or after a loss:
    a. an insured has          willfully   concealed   or   12. No Benefit To Bailee -- Coverage under this policy
       misrepresented:                                          will not directly or indirectly benefit those who are
                                                                paid to assume custody of the covered property.
       1) a material fact or circumstance with respect to
          this insurance; or
                                                            13. Policy Period -- This policy only covers losses that
       2) an insured's interest herein; or
                                                                occur during the policy period.
    b. there has been fraud or false swearing by an
       insured with respect to this insurance or the        14. Recoveries -- This applies if we pay for a loss and
       subject thereof.                                         lost or damaged property is recovered, or payment is
                                                                made by those responsible for the loss.
11. Mortgage Clause -- This applies only to coverage
    on buildings. The word "mortgagee" includes trustee.        a. You must inform us or we must inform you if
                                                                   either recovers property or receives payment.
    a. If a mortgagee is named on the Declarations, a
       loss payable under Coverages A or B will be paid
                                                                b. Proper costs incurred by either party are paid
       to the mortgagee and you, as interests appear. If
                                                                   first.
       more than one mortgagee is named, the order of
       payment will be the same as the order of
                                                                c. You may keep the property. The amount of the
       precedence of the mortgages.
                                                                   claim paid or a lesser amount to which we agree,
       If we deny your claim, that denial does not apply           must be returned to us.
       to a valid claim of the mortgagee, if the
       mortgagee has:                                           d. If the claim paid is less than the agreed loss due
                                                                   to a deductible, or other limiting terms, the
       1) notified us of change in ownership,
                                                                   recovery is prorated between you and us based
          occupancy, or substantial change in risk of
                                                                   on the interest of each in the loss.
          which the mortgagee became aware;
       2) paid the premium due under this policy on
                                                            15. Safety Glass -- When breakage of glass is covered,
          demand if you neglected to pay the premium;
                                                                we pay to replace the damaged glass with safety
          and
                                                                glazing materials if required by code, ordinance or
       3) submitted a signed, sworn proof of loss within
                                                                law.
          60 days after receiving notice from us if you
          failed to do so.

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16. Secured Party Coverage -- This applies only to                c. If we pay the secured party for a loss and deny
    coverage on mobile homes and personal property.                  payment to you:
    This entire clause is void unless the name of a
    secured party is shown on the Declarations. This                  1) we are subrogated, up to the amount we paid
    clause applies only to the interest of a secured party               for the loss, to all the rights of the secured
    and does not affect your rights or duties under the                  party granted under the security agreement;
    policy.                                                              or
                                                                      2) at our option, we may pay the secured party
    a. If a secured party is named on the Declarations, a                the remaining amount due on the security
       loss payable on property subject to the security                  agreement plus the accrued interest. In this
       interest will be paid to the secured party and you                event, we shall receive full assignment of the
       as interests may appear. If there is more than one                security agreement and securities held as
       security interest in the same property, the order of              collateral for the agreement.
       payment will be the same as their order of
       priority.                                                  However, the secured party's interest is not covered
                                                                  for your conversion, embezzlement, or secretion of
        If we deny your claim, that denial does not apply         encumbered property in your possession, unless
        to a valid claim of a secured party if the secured        specifically insured against and premium paid for
        party has:                                                such.

        1) notified us of a change in ownership,              17. Subrogation -- If we pay for a loss, we may require
           occupancy, or substantial change in risk of            that you assign to us the right of recovery
           which the secured party became aware;                  up to the amount we pay. You may waive your right
        2) paid the premium due under this policy on              to recover, in writing, before a loss occurs, without
           demand if you neglected to pay the premium;            affecting coverage. If we pay a loss to or for you and
           and                                                    you recover from another party for the same loss,
        3) submitted a signed, sworn proof of loss within         you must pay us as stated in Recoveries.
           60 days after receiving notice from us if you
           failed to do so.                                   18. Suit Against Us -- No suit may be brought against
                                                                  us unless all the terms of this policy have been
        All terms of this policy apply to the secured party       complied with and the suit is brought within two years
        unless changed by this clause.                            after the loss.

    b. If we cancel or do not renew this policy, we will      19. Volcanic Action -- All volcanic action that occurs
       notify the secured party at least 10 days before           within a 72-hour period constitutes a single
       the date cancellation or nonrenewal takes effect.          occurrence.




 FP-1 (01-08)                                    Page 11 of 11                                            Ed 2.1
        Includes copyrighted material from American Association of Insurance Services, with its permission
FP-2 (01-08)                                   -- READ THIS ENTIRE POLICY CAREFULLY --                                                                              Ed 2.2
                                                               IT IS A LEGAL CONTRACT
                                                                          BROAD FORM
The following Table of Contents shows how the policy is organized. It will help you locate particular sections of the
policy.




                                                                     TABLE OF CONTENTS
AGREEMENT................................................................................................................................................................... 1
WAIVER OF SMALL PREMIUMS.................................................................................................................................... 1
DEFINITIONS................................................................................................................................................................... 2
PRINCIPAL COVERAGES .............................................................................................................................................. 2
INCIDENTAL COVERAGES ............................................................................................................................................ 3
PERILS INSURED AGAINST -- COVERAGES A, B, C, AND D ..................................................................................... 4
GENERAL EXCLUSIONS................................................................................................................................................ 6
WHAT YOU MUST DO IN CASE OF LOSS .................................................................................................................... 7
HOW MUCH WE PAY FOR LOSS OR CLAIM................................................................................................................ 7
PAYMENT OF LOSS ....................................................................................................................................................... 8
POLICY CONDITIONS..................................................................................................................................................... 9




Required state endorsements may also be part of this policy.


Refer to the Definitions for words that have special meaning. These words are shown in "bold type".

                                                       AGREEMENT
This policy, subject to all of its terms, provides property insurance and other described coverages during the policy
period. In return you must pay the required premium. Each of the Principal Coverages described in this policy applies
only if a limit is shown on the Declarations for that coverage.

                                       WAIVER OF SMALL PREMIUMS
When this policy is endorsed subsequent to the effective date, any additional or return premiums of $10.00 or less,
will be waived by the Virginia Property Insurance Association. However, if the insured requests a refund, the
Association will honor such request.




FP-2 (01-08)                                                                 Page 1 of 12                                                                            Ed 2.2
                                                     DEFINITIONS
1. The words you and your mean the person or                    cards or fund transfer cards used to deposit,
   persons named on the Declarations and your                   withdraw or transfer funds.
   spouse if a resident of your household. The words
                                                             4. Insured premises means the location shown on the
   we, us, and our mean the company providing this
                                                                Declarations.
   insurance.
                                                             5. Limit means the limit of liability that applies.
2. Business means a trade, profession, or occupation
   including farming, all whether full or part time.         6. Motorized Vehicle means a self-propelled land or
                                                                amphibious vehicle regardless of method of surface
3. Credit Card means a card, plate, coupon book, or
                                                                contact.
   other credit device used to obtain money, property,
   labor, or services on credit. This includes debit         7. Terms means all provisions, limitations, exclusions,
                                                                conditions, and definitions used in this policy.

                                               PRINCIPAL COVERAGES
                                                             c. building materials and supplies for use in
Coverage A -- Residence
                                                                 construction of or to a related private structure;
1. We cover the residence on the insured premises,               and
    including its additions, built-in components, and
    attached fixtures. On the insured premises, we           d. building items that can be detached from covered
    also cover:                                                  related private structures, such as screens and
                                                                 storm doors.
  a. building items that can be detached from the
       covered residence, such as screens and storm        2. Coverage B does not cover:
       doors;                                                a. land, including the land on which the property is
  b. appliances, carpets, and window coverings in that           located, underground water or surface water;
       part of the residence you rent to others;             b. trees, plants, shrubs, and lawns;
  c. building materials and supplies for use in              c. structures used for business; and
       construction of or to the residence; and
                                                             d. structures rented or held for rental. This does not
  d. if this policy does not provide Coverage C, tools           apply to structures:
       and equipment used to service the insured
       premises. This includes motorized vehicles              1) rented or held for rental to a tenant of the
       used only to service the insured premises that              covered residence and not used for business
       are not required to be licensed for road use.               by the tenant; or
2. Coverage A does not cover:                                       2) used solely as a private garage.
  a. land, including the land on which the property is       Coverage C -- Personal Property
     located, underground water or surface water;
                                                             1. While on the Insured Premises -- This policy
  b. trees, plants, shrubs, and lawns; and                      covers personal property, while on the insured
                                                                premises, which is usual to the occupancy of the
  c.   farm tools, farm equipment, and farm motorized
                                                                dwelling as a residence. The personal property must
       vehicles.
                                                                be owned or used by you or your family members
                                                                who reside with you.
Coverage B -- Related Private Structures
1. We cover related private structures on the insured        2. While Away from the Insured Premises -- You
   premises which are not attached to the residence,            may apply up to 10 percent of the Coverage C limit
   including their additions, built-in components, and          to cover personal property, while away from the
   attached fixtures. Structures that are connected to          insured premises, which is usual to the occupancy
   the residence by only a fence, a utility line, or a          of the dwelling as a residence. The personal
   similar connection are not considered attached. On           property must be owned or used by you, or your
   the insured premises, we also cover:                         family members who reside with you.

  a. fences, driveways, and sidewalks;                       3. While in a Newly Acquired Principal Residence --
                                                                We pay for loss to covered personal property in a
  b. other permanently installed outdoor fixtures;              newly acquired principal residence. The full
                                                                Coverage C limit applies for 30 days from the date
                                                                you begin to move. After that, coverage for personal
FP-2 (01-08)                                         Page 2 of 12                                           Ed 2.2
    property in a newly acquired principal residence is              assist the handicapped or used only to service
    limited to 10 percent of the Coverage C limit. This              the insured premises;
    coverage does not extend past the date on which
                                                                e. aircraft, including their parts and equipment;
    the policy expires or the date on which the policy is
    terminated.                                                 f.   electronic devices, accessories, or antennas for
                                                                     the transmitting, recording, receiving or
4. Property of Others -- At your option, personal
                                                                     reproduction of sound that may be operated from
   property owned by a guest or domestic employee is
                                                                     the electrical system of a motorized vehicle,
   covered while it is in that part of the insured
                                                                     farm equipment, or watercraft while in or on the
   premises occupied by you.
                                                                     motorized vehicle, farm equipment, or
5. Limitations on Certain Property -- The special                    watercraft. This includes tapes, wires, discs,
   limits shown below do not increase the Coverage C                 records, or other media for use with such devices;
   limit. The limit for each class is the total limit per
                                                                g. loss that results from credit cards; or
   occurrence for all items in that class.
                                                                h. farm property.
  a. $200 on money, bank notes, bullion, gold other
     than goldware and gold-plated ware, silver other
     than silverware and silver-plated ware, platinum,        Coverage D -- Additional Living Costs and Fair
     coins, and numismatic property.                          Rental Value
                                                              We pay the necessary and reasonable increase in living
  b. Regardless of their storage medium, $1,000 on            costs you incur to maintain the normal standard of living
     securities, bills, letters of credit, notes other than   of your household if the part of the insured premises
     bank notes, tickets, accounts, deeds, evidence of        containing your household is made unfit for use by an
     debt, passports, manuscripts, stamps, and                insured loss. We pay only for the period of time
     philatelic property.                                     reasonably required to make that part of the insured
  c.   $1,000 on watercraft including their trailers,         premises containing your household fit for use or to
       furnishings, equipment, and motors.                    settle your household in new quarters, whichever is
                                                              less. This period of time is not limited by the policy
  d. Business property, up to the amounts shown               period.
     below:
                                                              We pay for the fair rental value if the part of the insured
    1) while on the insured premises, $2,500 on               premises rented or held for rental to others is made
       business property that pertains to a business          unfit for use by an insured loss. We only pay for the
       actually conducted on the insured premises;            period of time reasonably required to make that part of
    2) $250 while away from the insured premises.             the insured premises rented or held for rental to others
                                                              fit for use. Fair rental value is the amount you would
  e. $1,000 on trailers not otherwise provided for.           have received less the charges and expenses that do
6. Personal Property Not Covered -- Coverage C                not continue while the insured premises is unfit for use.
   does not cover:                                            This period of time is not limited by the policy period.

  a. land, including the land on which the property is        We pay your additional living costs and fair rental value
     located, underground water or surface water;             for up to two weeks if the premises next to the insured
                                                              premises is damaged by a peril insured against and
  b. trees, plants, shrubs, and lawns;                        you may not, by order of civil authority, use the insured
  c.   animals, birds, or fish;                               premises. This period of time is not limited by the policy
                                                              period.
  d. motorized vehicles. This includes their parts,
     equipment, and accessories while in or on a              We do not pay for additional living costs or fair rental
     motorized vehicle. We do cover motorized                 value due to the cancellation of a lease or an
     vehicles that are not subject to motor vehicle           agreement.
     registration if they are designed and used to

                                              INCIDENTAL COVERAGES


This policy provides the following Incidental Coverages.      1. Emergency Removal -- We pay for loss to covered
They are subject to all of the terms of the applicable           property that is moved to prevent loss by a peril
Coverages A, B, or C. They are not extended to farm              insured against. The property is covered for direct
property. These coverages provide additional insurance           physical loss for up to 30 days. This coverage does
unless otherwise stated.                                         not extend past the date on which this policy
                                                                 terminates.
FP-2 (01-08)                                          Page 3 of 12                                               Ed 2.2
    We pay up to a $250 towing charge to move a                   We do not cover trees, plants, shrubs, or lawns
    covered mobile home that is in danger from a peril            grown for business.
    insured against.
                                                                  You may apply up to 5 percent of the Coverage A
    This coverage does not increase the limits shown              limit on the insured premises to cover trees,
    for the property being removed.                               plants, shrubs, or lawns. We do not pay more than
                                                                  $500 for each tree, plant, or shrub. This includes the
2. Debris Removal -- We pay for the cost to remove
                                                                  cost to remove the debris of the covered item.
   the debris of covered property after an insured loss.
   This includes the cost to remove volcanic ash, dust,       4. Fire Department Service Charge -- We pay up to
   or particulate matter that causes direct physical loss        $500 for charges assumed by you under a contract
   to covered property.                                          or agreement when a fire department is called to
                                                                 protect covered property from a peril insured
    We will not pay more for direct loss to property and
                                                                 against.
    debris removal combined than the limit that applies
    to the damaged property.                                  5. Grave Markers -- We pay up to $1,000 for loss to
                                                                 grave markers and mausoleums caused by any of
    We also pay the cost to remove fallen trees which
                                                                 the perils insured against.
    cause damage to property covered under
    Coverages A, B, or C if:                                  6. Glass Breakage -- We cover breakage of glass that
                                                                 is part of an insured structure. We do not pay for
  a. the falling of the tree is caused by any of the
                                                                 loss if the residence is vacant for more than 30 days
     perils insured against; and
                                                                 in a row just before the loss. A residence being built
  b. coverage is not provided elsewhere by this policy.          is not vacant. We also pay for loss to covered
                                                                 property which is damaged by the breakage of
    Regardless of the number of fallen trees, the most           glass.
    we will pay is $500 per occurrence.
                                                                  This coverage does not increase the limits shown
3. Trees, Plants, Shrubs, or Lawns -- We pay for
                                                                  for the property covered.
   loss to trees, plants, shrubs, or lawns on the
   insured premises caused by:                                7. Tenant's Improvements -- If you are a tenant, we
                                                                 pay for loss by perils insured against to
  a. fire or lightning, explosion, riot or civil commotion,
                                                                 improvements on the insured premises made or
     aircraft;                                                   acquired at your expense. These are permanent
  b. collapse of a building;                                     fixtures, alterations, decorations, and additions.
  c.   vehicles, if not owned or operated by you or an            You may apply up to 10 percent of the Coverage C
       occupant of the insured premises; or                       limit to cover tenant's improvements.
  d. vandalism; burglary damage; or, if covered by this
     policy, theft.

                            PERILS INSURED AGAINST -- COVERAGES A, B, C, AND D


We insure against direct physical loss caused by the              c.   To outdoor antennas, including their lead-in
following perils, unless the loss is excluded under the                wiring, masts and towers.
General Exclusions:
                                                               4. Riot or Civil Commotion
1. Fire or Lightning
                                                               5. Aircraft
2. Explosion
                                                               6. Vehicles -- However, we do not pay for loss to
3. Windstorm or Hail -- However, we do not pay for                fences, driveways and walks caused by a vehicle
   loss:                                                          owned or operated by an occupant of the insured
                                                                  premises.
  a. to the interior of a building or mobile home, or to
     property inside a structure caused by dust, rain,         7. Sudden and Accidental Damage from Smoke --
     sand, sleet, snow or water, all whether driven by            However, we do not pay for loss caused by smoke
     wind or not, which enter through an opening not              from agricultural smudging or industrial operations.
     made by the direct force of wind or hail;
                                                            8.     Vandalism -- However, we do not pay for loss on
  b. To watercraft and their trailers, furnishings,                the insured premises if the residence is vacant
      equipment and motors unless inside a fully                   for more than 30 days in a row just before the loss.
      enclosed building. (We do cover canoes and                   A residence being built is not vacant.
      rowboats while on the insured premises.); or
FP-2 (01-08)                                      Page 4 of 12                                                  Ed 2.2
9. Burglary Damage -- This means damage to                           before the loss. A residence being built is not
   covered property caused by burglars. However,                     vacant.
   we do not pay for loss on the insured premises if
                                                                e. We do not pay for loss to the system, heater or
   the residence is vacant for more than 30 days in a
                                                                   appliance from which the liquid or steam
   row just before the loss. A residence being built is
                                                                   escapes. (We do pay the reasonable cost of
   not vacant.
                                                                   removing and replacing only those parts of the
10. Falling Objects -- However, we do not pay for                  structure needed to repair the system, heater or
    loss:                                                          appliance.)
  a. to the interior of a building, mobile home,                 In this peril, a plumbing system does not include a
     structure, or to the property inside, unless the            sump, sump pump and related equipment.
     object has first damaged an outside wall or the
                                                             14. Freezing of a plumbing, heating, air-conditioning
     roof by impact;
                                                                 or automatic sprinkling system, water heater or a
  b. to outdoor antennas, including their lead-in                domestic appliance. However, we do not pay for
     wiring, masts and towers;                                   loss on the insured premises while the residence
                                                                 is vacant or unoccupied or under construction and
  c.   to outdoor awnings or canopies including their
                                                                 unoccupied, unless you have taken reasonable
       supports;
                                                                 care to:
  d. to fences or to outdoor          equipment     not
                                                                a. maintain heat in the building or mobile home; or
     permanently installed; or
                                                                b. shut off the liquid supply and drain the system,
  e. to the object which falls.
                                                                   domestic appliance or heater.
11. Weight of Ice, Snow or Sleet which damages a
                                                             15. Sudden and Accidental Damage from
    structure or the property inside. However, we do
                                                                 Artificially Generated Electrical Currents --
    not pay for loss to:
                                                                 However, we do not pay for loss to tubes,
  a. outdoor antennas, including their lead-in wiring,           transistors and similar electronic components.
     masts and towers;
                                                             16. Sinkhole Collapse -- This means loss caused by
  b. outdoor awnings or canopies including their                 sudden settlement or collapse of earth supporting
     supports;                                                   covered property. The earth settlement or collapse
                                                                 must result from subterranean voids created by
  c.   outdoor structures (other than buildings,                 the action of water on a limestone or similar rock
       carports, or mobile homes) such as swimming
                                                                 formation.
       pools; fences; patios; paved areas; retaining
       walls; bulkheads; foundations; wharves; docks;            However, we do not pay for the value of land or
       and piers; or                                             the cost of filling sinkholes.
  d. outdoor equipment not permanently installed.            17. Volcanic Action -- This means:
12. Sudden and Accidental Tearing Apart,                        a. airborne volcanic blast or airborne shock waves;
    Cracking, Burning or Bulging of a heating, air-
                                                                b. ash, dust or particulate matter; or
    conditioning or automatic sprinkling system or
    water heater. However, we do not pay for loss               c.   lava flow.
    caused by freezing.
                                                                 However, we do not cover the removal of ash,
13. Accidental Discharge or Overflow of Liquids or               dust or particulate matter that does not cause
    Steam from a plumbing, heating, air-conditioning             direct physical loss to covered property.
    or automatic sprinkling system, water heater or
                                                             18. Collapse of a Building or a Part of a Building
    from a domestic appliance. However:
                                                                 (Collapse does not mean settling, cracking,
  a. We do not pay for loss caused by continuous or              shrinking, bulging, or expanding.) Unless the
     repeated seepage or leakage.                                damage is directly caused by the collapse of a
                                                                 building, we do not pay for:
  b. We do not pay for loss caused by freezing.
                                                                a. loss to awnings or canopies and their supports;
  c.   We do not pay for loss on the insured
                                                                   or
       premises caused by accidental discharge or
       overflow which comes from off the insured                b. loss to swimming pools, retaining walls, fences,
       premises.                                                   septic tanks, piers, wharves, foundations,
                                                                   patios, and paved areas.
  d. We do not pay for loss if the residence has been
     vacant for more than 30 days in a row just                  We do not pay for loss by collapse that results
                                                                 from an excluded cause or event.
FP-2 (01-08)                                        Page 5 of 12                                        Ed 2.2
                                              GENERAL EXCLUSIONS


We do not pay for loss if one or more of the following         6. Ordinance or Law -- We do not pay for loss or
exclusions apply to the loss, regardless of other                 increased cost which results from the enforcement
causes or events that contribute to or aggravate the              of a code, ordinance, or law which regulates the
loss, whether such causes or events act to produce                use, construction, repair, demolition of property, or
the loss before, at the same time as, or after the                removal of its debris.
excluded causes or events.
                                                               7. Power Disruption -- We do not pay for loss which
1. Civil Authority -- We do not pay for a loss which              results from the disruption of power or other utility
   results from order of civil authority.                         service, whether or not it is caused by a peril
                                                                  insured against, if the cause of the disruption is
    We pay for loss which results from acts of a civil
                                                                  not on the insured premises.
    authority to prevent the spread of fire. We do not
    pay if the fire was caused by an excluded peril.                 We do pay for direct loss by a peril insured against
                                                                     which occurs on the insured premises as a result
2. Earth Movement -- We do not pay for loss which
                                                                     of the disruption of power.
   results from earth movement whether the earth
   movement results from natural or artificial causes.         8. War -- We do not pay for loss which results from
                                                                  declared or undeclared war, civil war, insurrection,
    Earth movement includes but is not limited to:
                                                                  rebellion, revolution, warlike act by a military force
  a. earthquake;                                                  or military personnel, or destruction, seizure, or
                                                                  use of property for a military purpose. It includes
  b. landslide, subsidence, erosion;                              the consequences of these. Discharge of a
  c.   mudflow;                                                   nuclear weapon is deemed an act of war even if it
                                                                  is accidental.
  d. earth sinking, rising, shifting, expanding, or
     contracting. This does not include Sinkhole               9. Water Damage -- We do not pay for loss which
     Collapse as described under Perils Insured                   results from the following:
     Against; or                                                    a. flood, surface water, waves, tidal water,
  e. volcanic explosion. Volcanic explosion does not                   overflow of a body of water, or spray, all
     include Volcanic Action as described under                        whether driven by wind or not;
     Perils Insured Against.                                        b. water which backs up through or overflows from
We do pay for direct loss caused by fire, explosion                    sewers, drains, or sumps; or
(other than a volcanic explosion) and, if covered by                c.   water below the surface of the ground. This
this policy, theft resulting from earth movement.                        includes water which exerts pressure on, or
We do pay for the breakage of glass that is part of a                    seeps or leaks through or into a building,
covered structure resulting from earth movement.                         sidewalk, driveway, foundation, swimming pool,
                                                                         or other structure.
3. Intentional Acts -- We do not provide coverage
   for an insured who commits or directs an act with                 We pay for direct loss caused by fire; explosion
   the intent to cause a loss.                                       (other than a volcanic explosion); and, if covered
                                                                     by this policy, theft resulting from water damage.
4. Neglect -- We do not pay for loss which results
   from your neglect to use all reasonable means to            10. Weather Conditions -- We do not pay for loss
   save and preserve covered property at and after                 which results from weather conditions that initiate,
   the time of a loss.                                             set in motion, or in any way contribute to losses
                                                                   excluded under the preceding General Exclusions
5. Nuclear Hazard -- We do not pay for loss which                  (Numbers 1 through 9).
   results from nuclear reaction, nuclear radiation, or
   radioactive contamination (whether controlled or                  We do pay for an ensuing loss unless the ensuing
   uncontrolled; whether caused by, contributed to or                loss itself is excluded.
   aggravated by a peril insured against and whether           11. Errors, Omissions, and Defects -- We do not
   caused by natural, accidental, or artificial means).
                                                                   pay for loss which results from one or more of the
   Loss caused by nuclear hazard is not considered                 following:
   loss caused by fire, explosion, or smoke. Direct
   loss by fire resulting from the nuclear hazard is                a. an act, error, or omission (negligent or not)
   covered.                                                            relating to:
                                                                     1) land use;
FP-2 (01-08)                                         Page 6 of 12                                                Ed 2.2
    2) the  design,    specification,     construction,                    construction or repair whether on or off the
       workmanship, or installation of property;                           insured premises.
    3) planning, zoning, development, surveying,                       We do pay for an ensuing loss unless the ensuing
       siting, grading, compaction; or                                 loss itself is excluded.
    4) maintenance of property (including          land,         12. Wear and Tear -- We do not pay for loss which
       structures, or improvements);                                 results from wear and tear, marring, deterioration,
                                                                     inherent    vice,   latent    defect,     mechanical
        whether on or off the insured premises;
                                                                     breakdown, rust, wet or dry rot, corrosion, mold,
  b. a defect, a weakness, the inadequacy, a fault,                  contamination, or smog. We do pay for an ensuing
     or unsoundness in materials used in                             loss unless the ensuing loss itself is excluded.



                                   WHAT YOU MUST DO IN CASE OF LOSS
1. Notice -- In case of a loss, you must give us or      2) your interest and the interest of all others in
   your agent prompt notice (We may request written         the property. This includes all mortgages and
   notice).                                                 liens;
    The notice to us must state:                                       3) other policies that may cover the loss;
  a. your name, the policy number and the time,                        4) changes in title or use;
     place, and the details of the loss; and
                                                                       5) available plans and specifications of buildings;
  b. the names and addresses of all known potential
                                                                       6) detailed estimates for repair; and
     claimants and witnesses.
                                                                       7) in detail, the quantity, description, cost,
2. Other Duties -- You must take all reasonable
                                                                          amount of loss, and actual cash value of the
   steps to protect covered property at and after an
                                                                          personal property involved in the loss. You
   insured loss to avoid further loss. We will pay the
                                                                          must give us copies of all bills, receipts, and
   reasonable costs incurred by you for necessary
                                                                          related documents to confirm these;
   repairs or emergency measures performed solely
   to protect covered property from further damage                    b. submit to examination under oath in matters that
   by a peril insured against if a peril insured against                 relate to the loss or claim as often as we
   has already caused a loss to covered property.                        reasonably request;
   You must keep an accurate record of such costs.
   However, we will not pay for such repairs or                       c.   show the damaged property as often as we
                                                                           reasonably request;
   emergency measures performed on property
   which has not been damaged by a peril insured                      d. show records, including tax returns and bank
   against. This does not increase our limit.                            records of all canceled checks that relate to the
    At our request you must:                                             value, loss, and costs, and permit copies to be
                                                                         made of them as often as we reasonably
  a. give us a signed, sworn proof of loss, within 60                    request; and
     days after our request, that shows:
                                                                      e. show records that prove loss of rents and show
    1) the time, place, and the details of the loss;                     receipts for additional living costs, and permit
                                                                         copies to be made of them as often as we
                                                                         reasonably request.

                                      HOW MUCH WE PAY FOR LOSS OR CLAIM
Loss Settlement Terms -- Subject to the deductible         a. The Replacement Cost Terms apply only to
or other limitation that applies, we pay the lesser of:        buildings covered under Coverages A and B
                                                               that have a permanent foundation and roof.
a) the limit that applies;
                                                               They do not apply to:
b) your interest in the property; or
                                                             1) mobile homes whether or not on a permanent
c) the amount determined under the Replacement                   foundation;
    Cost Terms or the Actual Cash Value Terms,
                                                             2) window air-conditioners;
    whichever apply.
                                                             3) awnings and canopies;
1. Replacement Cost Terms
                                                             4) antennas;
FP-2 (01-08)                                           Page 7 of 12                                                 Ed 2.2
   5) appliances;                                                      2) the amount spent to repair or replace the
                                                                          damage.
   6) carpets;
                                                                 2. Actual Cash Value Terms -- Actual cash value
   7) window coverings; and
                                                                    includes a deduction for depreciation, however
   8) tenant's improvements                                         caused.
  b. In determining the replacement cost, do not                      a. The Actual Cash Value Terms apply to all
     include the cost of:                                                property not covered under the Replacement
                                                                         Cost Terms.
   1) excavations;
                                                                      b. The smallest of the following amounts is used in
   2) brick, stone, or concrete foundations;
                                                                         applying the Loss Settlement Terms:
   3) piers and other supports which are below the                     1) the cost to repair or replace the property with
      surface of the ground inside the foundation                         materials of like kind and quality;
      walls; and
                                                                       2) the actual cash value of the property at the
   4) underground flues, pipes, wiring, and drains.                       time of loss; or
  c.   When the cost to repair or replace exceeds the                  3) (applies only to mobile homes) the difference
       lesser of $2,500 or five percent of the limit on
                                                                          in the actual cash value just before the loss
       the damaged building, we do not pay for more                       and the actual cash value just after the loss.
       than the actual cash value of the loss until repair
       or replacement is completed.                              3. Deductible -- This applies to Coverages A, B, and
                                                                    C; Debris Removal; Trees, Plants, Shrubs and
       You may make a claim for the actual cash value               Lawns;     Glass    Breakage;     and    Tenant's
       amount of the loss before repairs are made. A                Improvements. It applies to all perils insured
       claim for an additional amount payable under                 against unless otherwise shown.
       these terms must be made within six months of
       whichever is the latest:                                        We pay that part of the loss over the deductible.
                                                                       Not more than one deductible applies per
   1) the last date on which you received a                            occurrence. If this policy covers more than one
      payment for the actual cash value; or                            residence, the deductible applies separately to
   2) the date of entry of a final order by a court                    each residence.
      declaring your right to full replacement cost.             4. Loss to a Pair or Set -- If there is loss to an item
  d. If the limit on the damaged building is less than              which is part of a pair or set, we pay only to
     80 percent of its replacement cost at the time of              replace or repair the item, or we pay the difference
     loss, the larger of the following amounts is used              in the actual cash value of the pair or set just
     in applying the Loss Settlement Terms:                         before the loss and the actual cash value just after
                                                                    the loss.
   1) the actual cash value at the time of the loss; or
                                                                 5. Insurance Under More Than One Coverage -- If
   2) that part of the replacement cost of the                      more than one coverage of this policy applies to a
      damaged part which our limit on the building                  loss, we pay no more than the actual loss.
      bears to 80 percent of the full current
      replacement cost of the building.                          6. Insurance Under More Than One Policy -- If
                                                                    there is other insurance that applies to the loss,
  e. If the limit on the damaged building is at least               we pay our share of the loss. Our share is that
     80 percent of its replacement cost at the time of              part of the loss that the limit of this policy bears to
     loss, the smaller of the following amounts is                  the total amount of insurance that applies to the
     used in applying the Loss Settlement Terms:                    loss.
   1) the cost to repair or replace the damage on                7. Restoration of Limits -- Each loss we pay under
      the same premises using materials of like kind                this policy does not reduce the limits available
      and quality; or                                               over the policy term.

                                              PAYMENT OF LOSS
1. Your Property -- We adjust each loss with you.          the filing of an appraisal award with us. Payment
   We pay an insured loss within 30 days after an          is made to you unless a loss payee is named.
   acceptable proof of loss is received and the
                                                        2. Additional Living Costs -- If the insured
   amount of the loss is agreed to in writing. If you
                                                           premises is unfit for use for more than one month,
   and we do not agree, we pay within 30 days after

FP-2 (01-08)                                           Page 8 of 12                                                Ed 2.2
    covered costs are paid on a monthly basis. You              4. Our Options -- We may:
    must give us proof of such costs.
                                                                     a. pay the loss in money; or
3. Damage to Personal Property of Others -- At
                                                                     b. rebuild, repair or replace the property. We must
   our option, an insured loss may be adjusted with
                                                                        give you notice of our intent to do so within 30
   and paid:
                                                                        days after we receive an acceptable proof of
  a. to you on behalf of the owner; or                                  loss.
  b. to the owner. If we pay the owner, we do not                     We may take all or part of the damaged property
     have to pay you.                                                 at the agreed or appraised value. Property paid for
                                                                      or replaced by us becomes ours.

                                            POLICY CONDITIONS
1. Abandonment of Property -- You may not             3. Assignment -- This policy may not be assigned
   abandon the property to us unless we agree.            without our written consent.
2. Appraisal -- If you and we do not agree on the             4. Cancellation -- You or your duly constituted
   amount of the loss, the actual cash value of the              attorney-in-fact may cancel this policy by returning
   property or the cost to repair or replace the property,       the policy to us or by giving us written notice and
   either party may demand that these amounts be                 stating at what future date coverage is to stop.
   determined by appraisal.
                                                                     We may cancel this policy or any of the following
    If either party makes a written demand for appraisal,            applicable    endorsements:    Personal     Liability
    each will select a competent independent appraiser               endorsement      or    Limited   Theft     coverage
    and notify the other of the appraiser's identity within          endorsement only for the reasons stated below by
    20 days after the receipt of the written demand.                 letting you know in writing of the date of
    The two appraisers will select a competent, impartial            cancellation takes effect. This cancellation notice
    umpire. If the two appraisers are unable to agree                may be delivered to you or mailed to you at your
    upon an umpire within 15 days, you or we can ask                 mailing address shown in the declarations.
    a judge of a court of record in the state where the
                                                                     Proof of mailing will be sufficient proof of notice.
    property is located to select an umpire.
                                                                     When the policy in effect for less than 90 days:
    For each building item and each item of personal
    property, the appraisers will determine:                         Association may cancel for any reason on ten(10)
                                                                     days written notice to insured and mortgagee on
  a. the amount of the loss;
                                                                     owner occupied dwellings and five (5) days written
  b. the actual cash value of the property; and                      notice to insured and ten (10) days to mortgagee on
                                                                     other than owner-occupied dwellings.
  c.   the cost to repair or replace the property.
                                                                     When policy in effect for more than 90 days:
    Each amount will be stated separately.
                                                                     Notice of Cancellation shall be 30 days except: ten
    If the appraisers submit a written report of an
                                                                     (10) days to insured and mortgagee on owner
    agreement to us, the agreement will establish these
                                                                     occupied dwellings and five (5) days to insured and
    amounts. If the appraisers fail to agree within a
                                                                     ten (10) days to mortgagee on other than owner-
    reasonable time, they will submit only their
                                                                     occupied dwellings for the following underwriting
    differences to the umpire. A written agreement by
                                                                     standards or conditions.
    two of these three will establish the amounts stated
    above.                                                      a. Evidence of owner or occupancy incendiarism;
    Each appraiser will be paid by the party selecting          b. Building in which at least sixty-five (65%) percent
    that appraiser. The compensation of the umpire and             of the rental units in the building are vacant or
    other costs of the appraisal will be shared equally by         unoccupied and left unprotected against trespass
    you and us.                                                    (a rental unit will be deemed to be left
                                                                   unprotected against trespass when an entrance
    If we make the written demand for an appraisal, we
                                                                   door to such unit [or an exterior door to a hall,
    will pay:
                                                                   stairway, or other common passage leading to
  a. the reasonable and necessary cost for your                    such unit], is open, missing, unlocked or
     appraiser; and                                                unsecured, or when a window in such unit which
                                                                   is accessible to entry is not protected against
  b. your share of the cost for the umpire.
                                                                   unauthorized entry);


FP-2 (01-08)                                          Page 9 of 12                                                    Ed 2.2
  c.   Fire damage exists and the insured has stated, or       o. Buildings which become vacant or unoccupied for
       such time has elapsed as clearly indicates that            sixty (60) consecutive days during the policy term
       the damage will not be repaired;
                                                               p. Physical changes in the property which result in
  d. Buildings in which following a fire, permanent               the property becoming uninsurable as determined
     repairs following satisfactory adjustment of loss            from physical inspection of insured premises.
     have not commenced within sixty (60) days;
                                                               q. dwellings under construction, renovation or
  e. Property has been abandoned or there has been                rehabilitation or any structure occupied as other
     removal of undamaged salvageable items from                  than a primary residence;
     the building and the insured can give no
                                                                 If the premium has not been paid when due, we will
     reasonable explanation for such removal;
                                                                 give you notice at least 15 days before cancellation
  f.   Utilities such as electric, gas, or water services        is effective. Otherwise, we will give you notice at
       have been disconnected and the insured has                least 45 days in advance of cancellation.
       failed to pay his account for such services within
                                                                 Your return premium, if any, will be refunded on a
       120 days;
                                                                 pro rata basis at the time of cancellation or as soon
  g. Where reliable information exists that there is             as practical. Payment or tender of the unearned
     good cause to believe that the building will be             premium is not a condition of cancellation.
     burned for the purpose of collecting the insurance
                                                             5. Reserved for Future Use
     on the property;
                                                             6. Change, Modification, or Waiver of Policy Terms
  h. Conviction or unresolved indictment of a named
                                                                -- A waiver or change of the terms of this policy
     insured or loss payee or any other person having
                                                                must be issued by us in writing to be valid. If, in the
     a financial interest in the property of the crime of
                                                                policy period, we adopt a revision which broadens
     arson or a crime involving a purpose to defraud
                                                                coverage without an additional premium, the
     an insurance company;
                                                                broadened coverage will apply.
  i.   Where the building has been subject to more than
                                                                 Our request for an appraisal or examination under
       two (2) fires, each loss amounting to at least $500
                                                                 oath does not waive policy terms.
       or one (1%) percent of the insurance in force,
       whichever is greater, in any twelve (12) month        7. Conformity With Statute -- Terms in conflict with
       period; or more than three (3) such fires in any         the laws of the state where the insured premises is
       twenty-four (24) month period, provided that the         located are changed to conform to such laws.
       cause of such fires is due to conditions which are
       the responsibility of the owner-named insured;        8. Death -- On your death, protection on your covered
                                                                property passes to:
  j.   Where the building has been subject to more
                                                               a. your legal representative; or
       than four (4) vandalism losses each loss
       amounting to at least $500 or one percent (1%) of       b. any other persons having proper, temporary
       the insurance in force, whichever is greater, in           custody of covered property.
       any twelve (12) month periods, or more than six
       (6) such losses in any twenty-four (24) month         9. Inspection -- We may, but are not required to,
       periods;                                                 inspect your property and operations. Our
                                                                inspection or resulting advice or report does not
  k.   Non-payment of premium;                                  warrant that your property or operations are safe or
  l.   Buildings    which     have     characteristics of       healthful or comply with laws, rules, or regulations.
       ownership, condition, occupancy or maintenance        10. Misrepresentation, Concealment, or Fraud -- We
       which are violative of public policy;                     do not provide coverage if, before or after a loss:
  m. Buildings which are in danger of collapse                 a. an   insured has          willfully   concealed   or
     because of serious structural conditions, or those           misrepresented:
     buildings which are in such a state of disrepair as
     to be dilapidated (except buildings actually in the         1) a material fact or circumstance with respect to
     course of repair or reconstruction);                           this insurance; or

  n. Buildings on which, because of their physical               2) an insured's interest herein; or
     condition, there is an outstanding order to vacate,       b. there has been fraud or false swearing by an
     an outstanding demolition order, or which has                insured with respect to this insurance or the
     been declared unsafe in accordance with                      subject thereof.
     applicable law;


FP-2 (01-08)                                        Page 10 of 12                                              Ed 2.2
11. Mortgage Clause -- This applies only to coverage          b. Proper costs incurred by either party are paid
    on buildings. The word "mortgagee" includes                  first.
    trustee.
                                                              c.   You may keep the property. The amount of the
  a. If a mortgagee is named on the Declarations, a                claim paid or a lesser amount to which we agree,
     loss payable under Coverages A or B will be paid              must be returned to us.
     to the mortgagee and you, as interests appear. If
                                                              d. If the claim paid is less than the agreed loss due
     more than one mortgagee is named, the order of
                                                                 to a deductible, or other limiting terms, the
     payment will be the same as the order of
                                                                 recovery is prorated between you and us based
     precedence of the mortgages.
                                                                 on the interest of each in the loss.
       If we deny your claim, that denial does not apply
                                                            15. Safety Glass -- When breakage of glass is covered,
       to a valid claim of the mortgagee, if the
                                                                we pay to replace the damaged glass with safety
       mortgagee has:
                                                                glazing materials if required by code, ordinance or
    1) notified us of change in ownership, occupancy,           law.
       or substantial change in risk of which the
                                                            16. Secured Party Coverage -- This applies only to
       mortgagee became aware;
                                                                coverage on mobile homes and personal property.
    2) paid the premium due under this policy on                This entire clause is void unless the name of a
       demand if you neglected to pay the premium;              secured party is shown on the Declarations. This
       and                                                      clause applies only to the interest of a secured party
                                                                and does not affect your rights or duties under the
    3) submitted a signed, sworn proof of loss within
                                                                policy.
       60 days after receiving notice from us if you
       failed to do so.                                       a. If a secured party is named on the Declarations, a
                                                                 loss payable on property subject to the security
       All terms of this policy apply to the mortgagee
                                                                 interest will be paid to the secured party and you
       unless changed by this clause.
                                                                 as interests may appear. If there is more than one
  b. If we decide to cancel this policy, the mortgagee           security interest in the same property, the order of
     will be notified at least 10 days before the date           payment will be the same as their order of priority.
     cancellation takes effect.
                                                                   If we deny your claim, that denial does not apply
  c.   If we pay the mortgagee for a loss and deny                 to a valid claim of a secured party if the secured
       payment to you:                                             party has:
    1) we are subrogated, up to the amount we paid              1) notified us of a change in ownership,
       for the loss, to all the rights of the mortgagee            occupancy, or substantial change in risk of
       granted under the mortgage on the property; or              which the secured party became aware;
    2) at our option, we may pay to the mortgagee the           2) paid the premium due under this policy on
       whole principal on the mortgage plus the                    demand if you neglected to pay the premium;
       accrued interest. In this event, we shall receive           and
       a full assignment and transfer of the mortgage
                                                                3) submitted a signed, sworn proof of loss within
       and all securities held as collateral to the
                                                                   60 days after receiving notice from us if you
       mortgage debt.
                                                                   failed to do so.
       Subrogation shall not impair the right of the
                                                                   All terms of this policy apply to the secured party
       mortgagee to recover the full amount of the
                                                                   unless changed by this clause.
       mortgagee's claim.
                                                              b. If we cancel or do not renew this policy, we will
12. No Benefit To Bailee -- Coverage under this policy
                                                                 notify the secured party at least 10 days before
    will not directly or indirectly benefit those who are
                                                                 the date cancellation or nonrenewal takes effect.
    paid to assume custody of the covered property.
                                                              c.   If we pay the secured party for a loss and deny
13. Policy Period -- This policy only covers losses that
                                                                   payment to you:
    occur during the policy period.
                                                                1) we are subrogated, up to the amount we paid
14. Recoveries -- This applies if we pay for a loss and
                                                                   for the loss, to all the rights of the secured party
    lost or damaged property is recovered, or payment
                                                                   granted under the security agreement; or
    is made by those responsible for the loss.
                                                                2) at our option, we may pay the secured party the
  a. You must inform us or we must inform you if
                                                                   remaining amount due on the security
     either recovers property or receives payment.
                                                                   agreement plus the accrued interest. In this
                                                                   event, we shall receive full assignment of the

FP-2 (01-08)                                       Page 11 of 12                                               Ed 2.2
        security agreement and securities held as
        collateral for the agreement.
    However, the secured party's interest is not covered
    for your conversion, embezzlement, or secretion of
    encumbered property in your possession, unless
    specifically insured against and premium paid for
    such.
17. Subrogation -- If we pay for a loss, we may require
    that you assign to us the right of recovery up to the
    amount we pay. You may waive your right to
    recover, in writing, before a loss occurs, without
    affecting coverage. If we pay a loss to or for you
    and you recover from another party for the same
    loss, you must pay us as stated in Recoveries.
18. Suit Against Us -- No suit may be brought against
    us unless all the terms of this policy have been
    complied with and the suit is brought within two
    years after the loss.
19. Volcanic Action -- All volcanic action that occurs
    within a 72-hour period constitutes a single
    occurrence.




FP-2 (01-08)                                       Page 12 of 12   Ed 2.2
AAIS                                                                                                            FL-10
                                                                                                                Ed 1.0

                                 AUTOMATIC INCREASE IN INSURANCE

       (The information required below may be shown on a separate schedule or supplemental Declarations.)

The limits for Coverages A and B will be increased by               percent of the amounts shown on the Declarations at
the end of each three month period after the effective date.




FL-10 Ed 1.0                                                                                                     AAIS
                                Copyright MCMXCII, American Association of Insurance Services
AAIS                                                                                                        FL-14
                                                                                                            Ed 1.0

                             INSURANCE BY MORE THAN ONE COMPANY

           (The information required below may be shown on a separate schedule or on the Declarations.)

1. Insurance By More Than One Company is insurance written in your name by more than one company using
   the same type of policy and conditions, whether or not still in force at time of loss.

   The total of the limits for all insurance including this policy is:

                    Coverages                                                              Total Limit

    A -- Residence                                                       $
    B -- Related Private Structures                                      $
    C -- Personal Property                                               $
    D -- Additional Living Costs and Fair Rental                         $
          Value Coverage
    E -- Farm Personal Property
          Scheduled                                                      $
          Blanket                                                        $
    F -- Farm Structures                                                 $

    Additional Coverage (Specify)                                        $


2. When we and other companies write insurance for property coverages, our limit is       % of the total limit for
   all insurance covering the same property. We pay this percentage of any loss caused by perils insured against,
   but not more than the limit stated on the Declarations or any endorsement.

   Any special limit or amount of insurance shown in this policy is the limit for all insurance, and we will pay no
   more than the above percentage of the special limit or amount of insurance.

3. Under How Much We Pay For Loss or Claim, Insurance Under More Than One Policy does not apply to
   policies issued by another company under the terms of this endorsement.




FL-14 Ed 1.0                                                                                                 AAIS

                                 Copyright MCMXCII, American Association of Insurance Services
AAIS                                                                                                       FL-16
                                                                                                           Ed 1.0

         INCIDENTAL BUSINESS ACTIVITIES -- RELATED PRIVATE STRUCTURES
          (The information required below may be shown on a separate schedule or on the Declarations.)

The incidental business activity described below is conducted in the described structure on the insured premises:



                                              (Description of Business)


                                              (Description of Structure)



                                                  $
                                                         Limit



Under Coverage B -- Related Private Structures, the exclusion that applies to structures used for business does
not apply to the structure described above. We will pay no more for loss to the described structure than the limit
shown in this endorsement.




FL-16 Ed 1.0                                                                                                 AAIS
                              Copyright MCMXCII, American Association of Insurance Services
AAIS                                                                                                            FL-216
                                                                                                                Ed 1.0

                        PREMISES ALARM OR FIRE PROTECTION SYSTEM
The premium for this policy includes a credit for the installation of a fire alarm, burglar alarm or automatic sprinkler
system approved by us on the insured premises. You agree to maintain said system in working order and to notify
us promptly when the system becomes inoperative or has been removed.




FL-216 Ed 1.0                                                                                                     AAIS
                                Copyright MCMXCII, American Association of Insurance Services
                                                                                                  VPIA-02
                                                                                                (Ed. 01-07)
                                 * LOSS SETTLEMENT INFORMATION

If the amount of insurance you carry on Dwellings insured under this policy is 80% or more of their
replacement cost, you may be entitled to collect the cost of repair or replacement of the damage to the
dwelling, subject to the conditions and limitations detailed in your policy. However, if you do not maintain
insurance equal to at least 80% of the replacement cost of the Dwellings covered under your policy, the
settlement will be made on a less favorable basis.

* Not Applicable to Mobile Homes




                                 ADDITIONAL COVERAGE AVAILABLE

The Virginia Property Insurance Association provides a coverage option that can be added to your
dwelling policy to cover the increased costs to repair or replace damaged property due to the application
of ordinances or laws that regulate construction, repair, or demolition.

Ordinance or Law Coverage provides protection when a building is damaged by a covered cause of
loss and must be repaired or rebuilt in a more costly manner because the type of construction used when
the building was built does not comply with current building codes. Coverage would also be provided
when ordinances or laws require the demolition of damaged buildings, including undamaged portions,
prior to rebuilding in compliance with current building codes.

Contact your Agent if you wish to add or increase this valuable coverage, or if you would like additional
information.
AAIS                                   This endorsement changes
FL 0257 10 98                                  the policy
Page 1 of 1                      -- PLEASE READ THIS CAREFULLY --

                                     ORDINANCE OR LAW

1. Under Definitions, the following is added:           This coverage does not increase the "limit"
                                                        shown for the damaged property. "We" will
    "Pollutant" means any solid, liquid, gaseous,       not pay more for direct physical loss to
    thermal, or radioactive irritant or                 property and the increased cost combined
    contaminant, including acids, alkalis,              than the "limit" that applies to the damaged
    chemicals, fumes, smoke, soot, vapor, and           property.
    waste. Waste includes materials to be
    recycled, reclaimed, or reconditioned, as       3. Under General Exclusions, Ordinance or
    well as disposed of.                               Law is deleted and replaced by:

2. The following coverage is added:                     Ordinance or Law -- "We" do not pay for:

    Ordinance or Law -- "We" pay for the                a. any loss or increased cost which results
    increased cost which results from the                  from the enforcement of a code,
    enforcement of a code, ordinance, or law               ordinance, or law which regulates the
    which regulates the use, construction,                 use, construction, repair, or demolition
    repair, or demolition of property or the               of property or the removal of its debris,
    removal of its debris following a loss to              except as provided under item 2. of this
    covered property. The loss must be caused              endorsement;
    by a peril that applies to the damaged
    property.                                           b. any loss in value of property which
                                                           results from the enforcement of a code,
    However, "we" do not pay for:                          ordinance, or law; or

    a. any loss in value of property which              c.   any loss, cost, or expense which results
       results from the enforcement of a code,               from the enforcement of a code,
       ordinance, or law; or                                 ordinance, or law requiring that any
                                                             "insured" or others test for, monitor,
    b. any loss, cost, or expense which results              clean up, remove, contain, treat,
       from the enforcement of a code,                       detoxify, neutralize, or in any way
       ordinance, or law requiring that any                  respond to or assess the effects of
       insured or others test for, monitor, clean            "pollutants".
       up, remove, contain, treat, detoxify,
       neutralize, or in any way respond to or          This applies whether or not there has been
       assess the effects of "pollutants".              physical damage to covered property.


                                                    FL 0257 10 98
                                                    Copyright, American Association of Insurance Services,
                                                    1998
AAIS                                                                                                            FL-30
                                                                                                                Ed 1.0

                           INCIDENTAL COVERAGES -- HIGHER LIMITS
          (The information required below may be shown on a separate schedule or on the Declarations.)

Under Incidental Coverages, the following limits are increased:

Option*                                                                  Amount of Increase       Total Limit


   1         Fire Department Service Charge                                    None               $500

   2         Tenant's Improvements                                             $              $


* The option that applies may be shown on the Declarations




FL-30 Ed 1.0                                                                                                     AAIS
                              Copyright MCMXCII, American Association of Insurance Services
AAIS                                                                                                           FL-32
                                                                                                               Ed 1.0

                               CONDOMINIUM UNIT-OWNER ADDITIONS
Coverage A -- Residence --                                      Coverage D -- Additional Living
                                                                Costs and Fair Rental Value --
Under Coverage A -- Residence, item 1 is deleted and
replaced by the following:                                      Coverage D is amended to read that we also pay if the
                                                                insured premises is made unfit for its normal use by a
1. We cover the following property:                             loss caused by a peril insured against to a building
                                                                containing the insured premises.
   a. fixtures, alterations, decorations, additions,
      installations, or items of real property that pertain     How Much We Pay For Loss or Claim --
      to your condominium unit;
                                                                The replacement cost terms that apply to buildings
   b. structures at the location of the insured                 covered under Coverages A and B also apply to the
      premises owned solely by you, other than the              coverage provided by this endorsement.
      insured premises; or

   c. property that is your insurance responsibility
      under an agreement with an association or
      corporation of property owners.




FL-32 Ed 1.0                                                                                                    AAIS
                                Copyright MCMXCII, American Association of Insurance Services
AAIS                                                                                                        FL-50
                                                                                                            Ed 1.0

                         RESIDENTIAL ASSOCIATION LOSS ASSESSMENT

           (The information required below may be shown on a separate schedule or on the Declarations.)

                                                 $
                                                        LIMIT

1. We agree to pay your share of an assessment                  Deductible -- We pay only that part of your share
   made by your homeowners, condominium, mobile-                of the assessment that is over $250 up to the limit
   homeowners or similar residential association and            shown above. No other deductible applies to this
   charged against all of the members of the                    coverage.
   association up to the limit stated above. Coverage
   applies only when the assessment results from            3. We will not pay more than $1,000 of your assess–
   direct loss to the property owned collectively by all       ment which results from a deductible in the
   association members and is caused by a peril (other         insurance purchased by the association.
   than earthquake) which applies under this policy.

2. Under How Much We Pay for Loss or Claim, the
   Deductible provision is replaced by the following with
   respect to this coverage:




FL-50 Ed 1.0                                                                                                 AAIS
AAIS                            This endorsement changes the Dwelling Coverage
FL 5001 01 07                                provided by this policy
Page 1 of 1                          -- PLEASE READ THIS CAREFULLY --

                      NAMED STORM WINDSTORM DEDUCTIBLE
                                  (Entries required to complete the Schedule will
                                     be shown below or on the Declarations.)

                                                         Schedule

             Named Storm Windstorm Deductible:                      $



                                                                   The "named storm" windstorm deductible is the
DEFINITIONS                                                        only deductible that applies to loss or damage
                                                                   caused by a "named storm". If a windstorm is not
                                                                   declared to be a "named storm" and there is loss
The following definition is added:                                 or damage to covered property, the applicable
                                                                   deductible is the deductible that applies to loss
"Named Storm" means a storm system that has                        due to windstorm.
been declared and named by the National
Weather Service. The duration of the "named                        "We" pay only that part of the loss caused
storm" includes the time period, in Virginia:                      directly or indirectly by windstorm that is more
                                                                   than the "named storm" windstorm deductible
a. beginning at the time a storm is designated a                   amount shown in the Schedule above.
   "named storm";
                                                                   The deductible applies per occurrence. If this
b. continuing for the time period during which                     policy covers more than one residence, the
   the "named storm" conditions exist anywhere                     deductible applies separately to each residence.
   in Virginia; and
                                                                   The deductible applies regardless of other
c.   ending 72 hours following the termination of                  causes or events that contribute to or aggravate
     the last "named storm" watch or warning                       the loss, whether such causes or events occur
     issued for any part of Virginia by the National               before, at the same time as, or after the loss
     Weather Service.                                              caused by a "named storm".

                                                                   All other "terms" of the policy apply.


HOW MUCH WE PAY                                                    FL 5001 01 07
FOR LOSS OR CLAIM


The following is added to the Deductible
provision:

Named Storm Windstorm Deductible -- This
applies to Principal Property Coverages A, B,
and C and all Incidental Property Coverages
except Emergency Removal; Fire Department
Service Charge; and Grave Markers.




               Includes copyrighted material with permission of American Association of Insurance Services, Inc.
AAIS                                    This endorsement changes
FL 0670 03 03                                   the policy
Page 1 of 2                       -- PLEASE READ THIS CAREFULLY --

                               CERTIFIED TERRORISM LOSS
                            (The entries required to complete this endorsement
                               will be shown below or on the "declarations".)

Certified Terrorism Loss Premium            Waived

The following provisions are added, however,                             3) to have resulted in damage:
they apply only in the event that the Secretary of
the Treasury determines that the exposures                                    a) within the United States; or
covered by this policy are subject to the Federal                             b) to an air carrier (as defined in
Terrorism Risk Insurance Act of 2002 or any                                      section 40102 of title 49, United
amendments thereto.                                                              States Code); to a United States
                                                                                 flag vessel (or a vessel based
1. With respect to all coverage parts attached to                                principally in the United States,
   this policy, the reference to words that have                                 on which United States income
   special meaning is deleted and replaced by                                    tax is paid and whose insurance
   the following:                                                                coverage is subject to regulation
                                                                                 in the United States), regardless
    Refer to Definitions for words and phrases                                   of where the loss occurs; or at
    that have special meaning. These words and                                   the premises of any United
    phrases are shown in quotation marks or                                      States mission; and
    bold type.
                                                                         4) to have been committed by an
2. With respect to any coverage part attached                               individual or individuals acting on
   to this policy that does not define the "term"                           behalf of any foreign person or
   "declarations", the following definition is                              foreign interest, as part of an effort to
   added:                                                                   coerce the civilian population of the
                                                                            United States or to influence the
    "Declarations" means all pages labeled                                  policy or affect the conduct of the
    Declarations, Supplemental Declarations, or                             United States Government by
    Schedules which pertain to this coverage                                coercion.
    part.
                                                                         No act will be certified by the Secretary
3. The following definitions are added with                              of the Treasury as an act of terrorism if
   respect to all coverage parts attached to this                        the act is committed as part of the course
   policy.                                                               of a war declared by the Congress
                                                                         (except with respect to any coverage for
    a. "Certified act of terrorism" means an act                         workers' compensation) or if property
       that is certified by the Secretary of the                         and casualty insurance losses resulting
       Treasury, in concurrence with the                                 from the act do not exceed $5,000,000 in
       Secretary of State and the Attorney                               the aggregate.
       General of the United States:
                                                                    b. "Certified terrorism loss" means loss that
        1) to be an act of terrorism;                                  results from a "certified act of terrorism".
        2) to be a violent act or an act that is
           dangerous to human life, property, or
           infrastructure;




                           Copyright, American Association of Insurance Services, Inc., 2003
AAIS
FL 0670 03 03
Page 2 of 2

4. The following provisions are added with                          c.   The "terms" of this endorsement do not
   respect to all coverages provided by this                             provide coverage for any loss that would
   policy.                                                               otherwise be excluded by this policy
                                                                         under:
    a. Coverage for "certified terrorism loss", to
       the extent that such coverage is provided                         1) exclusions that address war, military
       by this policy, will be partially reimbursed                         action, or nuclear hazard; or
       by the United States Government,                                  2) any other exclusion.
       Department of Treasury, under a formula
       established by the Terrorism Risk                            d. The absence of any other terrorism
       Insurance Act of 2002. Under this                               endorsement does not imply coverage
       formula, the United States pays 90% of                          for any loss that would otherwise be
       the amount of the covered "certified                            excluded by this policy under:
       terrorism loss" that exceeds the
       statutorily established deductible that                           1) exclusions that address war, military
       "we" retain.                                                         action, or nuclear hazard; or
                                                                         2) any other exclusion.
    b. If the Secretary of the Treasury
       determines that the amount of "certified                All other "terms" of the policy apply.
       terrorism loss" has exceeded the
       maximum annual liability as set forth by
       the Federal Terrorism Risk Insurance Act                FL 0670 03 03
       of 2002 or any amendments thereto, and
       "we" have met "our" deductible
       requirements as specified by that Act,
       "we" will not pay for any portion of
       "certified terrorism loss" that exceeds the
       maximum annual liability.




                           Copyright, American Association of Insurance Services, Inc., 2003
AAIS                                                                                                          FPFL-55
Effective (08 03)                                                                                               Ed 1.0

                                             REPLACEMENT VALUE


1. We agree to cover the replacement value of the                    c. items not maintained in good or workable
   following covered property:                                          condition; or

   a. Coverage C -- Personal Property;                               d. items that are outdated or obsolete and are
                                                                        stored or not being used.
   b. window air-conditioners;
                                                                 4. Our limit -- We pay the lesser of the following
   c. awnings and canopies;                                         amounts for each covered item:

   d. antennas;                                                      a. the applicable limit;

   e. appliances;                                                    b. an amount not greater than your interest in the
                                                                        property;
   f. carpets; and
                                                                     c. the replacement value of the property as
   g. window coverings.                                                 defined in this endorsement;

2. Definition -- Replacement value means the cost to                 d. the amount computed after applying the deduct-
   repair or replace the property with new property of                  ible or other limitation applying to the loss.
   equivalent kind and quality to the extent practical,
   without deduction for depreciation.                           5. When the replacement value for each occurrence is
                                                                      more than $500, we are not liable for more than
3. Property Not Covered for Replacement Value --                      the actual cash value of the loss until actual
   This endorsement does not apply to the following                   repair or replacement is completed. You may
   property:                                                          make a claim for the actual cash value amount of
                                                                      the loss before repairs are made or replacement
   a. articles of art or rarity or antiques that cannot be            is completed. A claim for any additional amount
      duplicated;                                                     payable under these terms must be made within
                                                                      six months of whichever is the latest:
   b. memorabilia, souvenirs, collector's items or any
      similar items whose age or history contribute to               a the last date on which you received a payment
      their value;                                                     for the actual cash value; or

                                                                     b the date of entry of a final order by a court
                                                                       declaring your right to full replacement cost.




FPFL-55 Ed 1.0                                                                                                   AAIS
                                 Copyright MCMXCII, American Association of Insurance Services
INSURED:
POLICY NUMBER:                                 ENDORSEMENT EFFECTIVE DATE:


Request for Issuance of Policy Subject to Restriction in Coverage

The coverage afforded under the policy to which this endorsement is attached is not obtainable by the
undersigned Named Insured at standard rates and its issuance is therefore requested subject to the
following restriction:


________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________
                              (Insert here applicable restriction)


___________________________________________
           (Signature of Named Insured)



The following endorsement, duplicate copies of which shall be signed by the Named Insured and the
company, shall be attached to the policy and the daily report:

At the request of the Named Insured, it is agreed that this policy is restricted in the following respects:


________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________
                              (Insert here applicable restriction)



___________________________________________________________________ Insurance Company

By _____________________________________________________________________________________
                                          (Title)



___________________________________________
           (Signature of Named Insured)


FP DP 00 01 (10/95)
FP-FL-31. (01-01)                                                                                            Ed 1.0


                                CONDOMINIUM UNIT-OWNER ADDITIONS

Coverage A -- Residence --                                    Coverage D - Fair Rental Value --

Under Coverage A -- Residence, item 1 is deleted and          Coverage D is amended to read that we also pay if the
replaced by the following:                                    insured premises is made unfit for its normal use by a
                                                              loss caused by a peril insured against to a building
1. We cover the following property:                           containing the insured premises.

   a. fixtures, alterations, decorations, additions,          How Much We Pay For Loss or Claim --
      installations, or items of real property that pertain
      to your condominium unit;                               The terms that apply to buildings covered under
                                                              Coverages A and B also apply to the coverage provided
   b. structures at the location of the insured               by this endorsement.
      premises owned solely by you, other than the
      insured premises; or

   c. property that is your insurance responsibility
      under an agreement with an association or
      corporation of property owners.




FP FL-31 (01-01)                                                                                             Ed 1.0
FP FL-35 (01-01)                                                                                                Ed 1.0
                                          LIMITED THEFT COVERAGE
          (The information required below may be shown on a separate schedule or on the Declarations.)

We pay for direct physical loss to property described in       increase the On-Premises limit. The limit for each
this endorsement caused by the following perils:               class is the total limit per occurrence for all items in
                                                               that class.
1. Theft. This includes attempted theft and loss of
   property from a known place when it is likely that           a. $ 500 on watercraft including their trailers,
   theft occurred. Coverage does not include                       furnishings, equipment, and motors.
   mysterious disappearance. However, we do not pay
   for:                                                         b. $ 500 on trailers not otherwise provided for.

   a. theft by an insured;                                      c.       $1,000 on any device or instrument for the
                                                                     transmitting, recording, receiving or reproduction
   b. theft in or to a structure being built, or theft of            of data, sound or pictures, including:
      materials and supplies for use in construction,                (1) Accessories or antennas, or;
      reconstruction or repair of the structure, until the           (2) Tapes, wires, records, discs or other
      structure is finished and occupied; or                               media for use with any such device or
                                                                           instrument:
   c. loss that results from the theft of a credit card or           (3) Equipment used for data processing
      fund transfer cards.                                                 including but not limited to computers,
                                                                           monitors, hard drives, modems and other
2. Burglary Damage. This means damage to covered                           related hardware and any software
   property caused by burglars. However, we do not                         including diskettes, cassettes, or CD-ROM
   pay for loss on the insured premises if the                             for the programming or operation of such
   residence is vacant or unoccupied for more than 30                      equipment;
   days in a row just before the loss. A residence                   unless otherwise excluded or excepted in this
   being built is not vacant.                                        policy.

Covered Property --                                          3. Property Not Covered -- We do not cover:

1. On-Premises -- We cover personal property, while             a. loss caused by a tenant, roomer or boarder,
   on the insured premises, which is usual to the                  members of the tenant’s household, or their
   occupancy of the dwelling as a residence. The                   employees or any property of a tenant, roomer or
   property must be owned or used by an insured, or                boarder, members of the tenant’s household or
   by a domestic employee. This coverage applies                   their employees;
   only if a limit is shown for on-premises coverage
   and an additional premium is paid.                           b. land, including the land on which the property is
                                                                   located, underground water or surface water;
   On-Premises coverage applies to personal property:
                                                                c. trees, plants, shrubs, and lawns;
   a. located on the insured premises; or
                                                                d. animals, birds, fish, or insects;
   b. placed for safekeeping in:
                                                                e. motorized vehicles. This includes their parts,
      1) a bank;                                                   equipment, and accessories while in or on a
      2) a trust or safe deposit company;                          motorized vehicle. We do cover motorized
      3) bonded public warehouse.                                  vehicles that are not subject to motor vehicle
                                                                   registration if they are designed and used to
   The On-Premises       limit     is   $____________per           assist the handicapped or used only to service
   occurrence.                                                     the insured premises;
                              $___________annual
aggregate.                                                      f. aircraft, including their parts and equipment.
   This is the most we will pay for any one covered loss           Aircraft means any contrivance used or designed
   and total annual aggregate losses at the insured                for flight, except model aircraft.
   premises.
                                                                g. electronic devices, accessories, or antennas that
2. Limitations On Certain Classes of Covered                       may be operated from the electrical system of a
   Property -- The special limits shown below do not               motorized vehicle, farm equipment, or

FP FL-35 (01-01)                                     -- 1 --                                                    Ed 1.0
                       Includes copyrighted material from AAIS, used with its permission
      watercraft while in or on the motorized vehicle,         Additional Definitions --
      farm equipment, or watercraft. This includes
      films, tapes, wires, discs, records, or other media      1. Insured means you or your family members who
      for use with such devices;                                  reside with you.

   h. farm property;                                           2.   Domestic Employee means a person employed by
                                                                    an insured to perform duties that relate to the use
   i. money, bank notes, bullion, gold other than                   and care of the insured premises. This includes a
      goldware and gold-plated ware, silver other than              person who performs duties of a similar nature
      silverware and silver-plated ware, platinum,                  elsewhere for an insured. This does not include a
      coins, metals and numismatic property;                        person while performing duties in connection with
                                                                    the business of an insured.
   j. securities, bills, letters of credit, notes other than
      bank notes, tickets, accounts, deeds, evidence of        What You Must Do In Case Of Loss
      debt, passports, manuscripts, personal records,
      sports cards and comic books, stamps, and                     The following paragraph is added:
      philatelic property;                                          f. notify the police in case of loss by theft.

   k. business property;                                       How Much We Pay For Loss Or Claim
                                                                 Item 5. Insurance Under More Than One Policy is
   l. jewelry, watches, precious and semiprecious                deleted with respect to coverage provided by this
      stones, gems, and furs;                                    endorsement and replaced by the following: If there
                                                                 is other insurance that applies to the loss, whether
   m. silverware, goldware, pewterware, and items                collectible or not, our share is that part of the loss
      plated with gold or silver; or                             that the limit of liability applicable under this
                                                                 endorsement bears to the total amount of insurance
   n. guns and items related to guns;                            that applies to the loss.

   o. property held as a sample or for sale or delivery        Policy Conditions
      after sale;                                              4. Cancellation -         The following paragraphs are
                                                               added;
   p. property separately described and specifically
      insured by any other insurance;                          Notice of Cancellation of the Theft coverage part only
                                                               shall be 30 days except: ten (10) days to insured and
   q. tools;                                                   mortgagee on owner-occupied dwelling and five (5)
                                                               days to insured and ten (10) days to mortgagee on
                                                               other than owner-occupied dwelling for the following
                                                               underwriting standards or conditions:

                                                               a. any structure which has one or more substandard
                                                                      physical characteristics, other than P6, as
                                                                      displayed on the Declarations Page;
                                                               b. any structure occupied as other than a primary non-
                                                                      seasonal residence;
                                                               c. more than one (1) covered loss in a three (3) year
                                                                      period;
                                                               d. failure to maintain 100% insurance to value;
                                                               e. failure to protect all exterior windows & doors,
                                                                      including garages and outbuildings, with a
                                                                      locking device.
                                                               b(4) a. When this policy is canceled, the premium for
                                                                      the period from the date of cancellation to the
                                                                      expiration date will be refunded prorata.
                                                                      b. If the return premium is not refunded with the
                                                                      notice of cancellation or when this policy is
                                                                      returned to us, we will refund it within a
                                                                      reasonable time after the date cancellation takes
                                                                      effect.

                                                               All other provisions of this policy apply.

FP FL-35 (01-01)                                     -- 2 --                                                         Ed 1.0
                       Includes copyrighted material from AAIS, used with its permission
           WET ROT, DRY ROT, BACTERIA, FUNGI, OR PROTISTS EXCLUSION
AAIS                                                                                  FP GL 49 01 (04 02)
              This endorsement changes the Personal Liability Coverage provided by this policy
                                 -- PLEASE READ THIS CAREFULLY --

1. The following provisions are added under                                    3) any loss, cost, or expense arising out of
   Exclusions That Apply To Coverages L And M.                                    any claim or suit by or on behalf of any
                                                                                  governmental authority relating to
   a. This policy does not apply to:                                              testing for, monitoring, cleaning up,
                                                                                  removing, containing, treating,
       1) actual or alleged "bodily injury" or                                    detoxifying, neutralizing, or in any way
          "property damage" (or "personal injury",                                responding to or assessing the effects
          when provided by this policy) that                                      of:
          results directly or indirectly from
          ingestion of, inhalation of, physical                                     a) wet rot; dry rot; a bacterium; a
          contact with, or exposure to:                                                fungus, including but not limited to
                                                                                       mildew and mold; or a protist,
           a) wet rot; dry rot; a bacterium; a                                         including but not limited to algae
              fungus, including but not limited to                                     and slime mold; or
              mildew and mold; or a protist,                                        b) a chemical, matter, or a compound
              including but not limited to algae                                       produced or released by wet rot, dry
              and slime mold; or                                                       rot, a bacterium, a fungus, or a
           b) a chemical, matter, or a compound                                        protist, including but not limited to
              produced or released by wet rot, dry                                     toxins, spores, fragments, and
              rot, a bacterium, a fungus, or a                                         metabolites such as microbial
              protist, including but not limited to                                    volatile organic compounds.
              toxins, spores, fragments, and
              metabolites such as microbial                              b. However, exclusion 1.a.1) above does not
              volatile organic compounds;                                   apply to:

       2) any loss, cost, or expense arising out of                            1) "bodily injury" that results from a fungus
          any request, demand, or order that any                                  cultivated or harvested for human
          "insured" or others test for, monitor,                                  consumption or a food-borne or
          clean up, remove, contain, treat,                                       beverage-borne bacterium that causes
          detoxify, neutralize, or in any way                                     illness commonly known as food
          respond to or assess the effects of:                                    poisoning (Food-borne or beverage-
                                                                                  borne bacteria that cause illness
           a) wet rot; dry rot; a bacterium; a                                    commonly known as food poisoning
              fungus, including but not limited to                                include but are not limited to
              mildew and mold; or a protist,                                      Staphylococcus aureus, Salmonella,
              including but not limited to algae                                  Clostridium perfringens, Campylobacter,
              and slime mold; or                                                  Listeria monocytogenes, Vibro
           b) a chemical, matter, or a compound                                   parahaemolyticus, Bacillus cereus, and
              produced or released by wet rot, dry                                Escherichia coli.); or
              rot, a bacterium, a fungus, or a                                 2) "bodily injury" to a "farm employee" to
              protist, including but not limited to                               the extent that coverage for "bodily
              toxins, spores, fragments, and                                      injury" to "farm employees" is provided
              metabolites such as microbial                                       by this policy.
              volatile organic compounds; or                                   3) "bodily injury" that results from a slip, a
                                                                                  fall, or loss of footing that is attributed to
                                                                                  the presence of a slippery surface.

                                                                    2. All other "terms" of the Personal Liability
                                                                       Coverage or Farm Personal Liability Coverage
                                                                       apply.


FP GL 4901 (04 02)                                                                                                  Page 1 of 1
                  Includes copyrighted material with the permission of American Association of Insurance Services
FPGL1 (01-01)                                   — THIS IS A LEGAL CONTRACT —                                                      Ed 1.0
                                                  PLEASE READ IT CAREFULLY



                                                PERSONAL LIABILITY COVERAGE


                                                         TABLE OF CONTENTS


                Agreement ................................................................................................ 1

                Definitions ................................................................................................. 2

                Principal Personal Liability Coverages

                        Coverage L — Liability ....................................................................... 3

                        Coverage M — Medical Payments To Others ....................................... 3

                Incidental Personal Liability Coverages ........................................................ 3

                Exclusions That Apply To Coverages L and M .............................................. 5

                Additional Exclusions That Apply Only To Coverage L................................... 6

                Additional Exclusions That Apply Only To Coverage M.................................. 6

                What You Must Do In Case Of Loss............................................................ 6

                How Much We Pay For Loss or Claim ......................................................... 7

                Payment of Loss or Claim .......................................................................... 7

                Conditions ................................................................................................ 7



                    Endorsements may also apply. They are identified on the Declarations page.

       Refer to the Definitions for words that have special meanings. These words are shown in "bold type".


                                                                AGREEMENT

Subject to all the terms that apply, and in return for your payment of the required premium, we provide Personal
Liability Coverage during the policy period. Each principal coverage described herein applies only if a limit is shown
on the Declarations for that coverage.

Policy terms that relate to changes made to the policy; inspections; examination of books; cancellation; and
assignment or transfer of rights or duties also apply.




FPGL1 (01-01)                                                        —1—                                                          Ed 1.0
DEFINITIONS                                                      d. your legal representative, if you die while insured
                                                                    by this Personal Liability Coverage. This person
                                                                    is an insured only for liability arising out of the
1. The words you and your mean the person or                        insured premises. An insured at the time of
   persons named on the Declarations and your                       your death remains an insured while residing on
   spouse if a resident of your household. The words                the insured premises;
   we, us, and our mean the company providing this               e. persons using or caring for watercraft or animals
   insurance.                                                       owned by an insured to which this insurance
                                                                    applies (This does not include persons using or
2. Bodily Injury means bodily harm to a person and                  caring for watercraft or animals in the course of
   includes sickness, disease or death. This also                   business or without the owner's consent.);
   includes required care and loss of services.                  f. persons in the course of performing domestic
                                                                    duties that relate to the insured premises; and
   Bodily Injury does not mean bodily harm, sickness,            g. persons in the course of acting as your real
   disease or death that arises out of:                             estate manager for the insured premises.

   a. a communicable disease; or                                 Each of the above is a separate insured, but this
   b. the actual, alleged or threatened            sexual        does not increase our limit.
      molestation of a person.
                                                              6. Insured Premises means:
3. Business means a trade, a profession or an
   occupation including farming, all whether full or part        a. the one to four family dwelling shown on the
   time. This includes the rental of property to others. It         Declarations. This includes structures or parts of
   does not include the occasional rental for residential           buildings where you reside;
   purposes of the part of the insured premises                  b. all other premises shown on the Declarations;
   normally occupied solely by your household.                   c. all vacant land owned by or rented to an insured.
                                                                    This includes land where a residence is being
   Business includes services regularly provided by an              built for the use of an insured. This does not
   insured for the care of others and for which an                  include farm land;
   insured is compensated. A mutual exchange of like             d. that part of a residence, acquired by you during
   services is not considered compensation.                         the policy period, and to be used by you;
                                                                 e. your cemetery lots and your burial vaults or
   Business does not include:                                       those of your resident relatives;
                                                                 f. that part of a premises not owned by an insured
   a. the incidental activities that are usually performed          if it is temporarily used as a residence by an
      by minors; or                                                 insured;
   b. activities that are related to business, but are           g. all premises used by you in connection with
      usually viewed as non-business in nature.                     your residence;
                                                                 h. all access ways adjoining the insured premises;
4. Domestic Employee means a person employed by                     and
   an insured to perform duties that relate to the use           i. that part of premises occasionally rented to an
   and care of the insured premises. This includes a                insured for other than business purposes.
   person who performs duties of a similar nature
   elsewhere for an insured. This does not include a          7. Limit means the limit of liability that applies.
   person while performing duties in connection with the
   business of an insured.                                    8. Motorized Vehicle means a self-propelled land or
                                                                 amphibious vehicle regardless of method of surface
5. Insured means:                                                contact. This includes parts and equipment.

   a. you;                                                       This does not include vehicles that are designed and
   b. your relatives if residents of your household;             used to assist the handicapped and are not required
   c. persons under the age of 21 in your care or in             to be licensed for road use.
      the care of your resident relatives;




FPGL1 (01-01)                                            —2—                                                        Ed 1.0
 9. Motor Vehicle means a motorized vehicle, a                 Coverage M — Medical Payments To Others — We
    trailer or a semi-trailer, and all attached machinery or   pay the necessary medical expenses if they are
    equipment, if:                                             incurred or medically determined within three years from
                                                               the date of an accident causing covered bodily injury.
    a. it is subject to motor vehicle registration; or         Medical expenses means the reasonable charges for
    b. it is designed for use on public roads.                 medical, surgical, x-ray, dental, ambulance, hospital,
                                                               professional nursing, funeral services, prosthetic devices
10. Occurrence means an accident. This includes loss           and eyeglasses, including contact lenses. This applies
    from repeated exposure to similar conditions.              only to:

11. Pollutant means any solid, liquid, gaseous, thermal        1. a person on the insured premises with the
    or radioactive irritant or contaminant, including acids,      permission of an insured; and
    alkalis, chemicals, fumes, smoke, soot, vapor or
    waste. Waste includes materials to be disposed of,         2. a person away from the insured premises if the
    recycled, reconditioned or reclaimed.                         bodily injury:

12. Property Damage means physical injury to tangible             a. is a result of a condition on an insured
    property. This includes the loss of use.                         premises;
                                                                  b. is caused by an activity of an insured;
13. Recreational Motor Vehicle means a motorized                  c. is caused by a person in the course of performing
    vehicle, a trailer, or attached equipment that is                duties as a domestic employee;
    designed or is used for leisure time activities, and          d. is caused by an animal owned by or in the care
    which is not a motor vehicle.                                    of an insured; or
                                                                  e. is sustained by a domestic employee and
14. Terms means all provisions, limitations, exclusions,             arises out of and in the course of employment.
    and definitions used in this Personal Liability
    Coverage.

                                                               INCIDENTAL PERSONAL LIABILITY
                                                               COVERAGES
 PRINCIPAL PERSONAL LIABILITY
 COVERAGES
                                                               These coverages are subject to all the terms of
                                                               Coverages L and M. Except for Claims and Defense
 Coverage L — Liability — We pay, up to our limit, all         Cost and First Aid Expense, they do not increase the
 sums for which an insured is liable by law because of         limit stated for the Principal Personal Liability
 bodily injury or property damage caused by an                 Coverages.
 occurrence to which this coverage applies. We will
 defend a suit seeking damages if the suit resulted from       1. Damage To Property Of Others — Regardless of
 bodily injury or property damage not excluded under              an insured's legal liability, we pay for property of
 this coverage. We may make investigations and settle             others damaged by an insured, or we repair or
 claims or suits that we decide are appropriate. We do            replace the property, to the extent practical, with
 not have to provide a defense after we have paid an              property of like kind and quality. Our limit for this
 amount equal to our limit as a result of a judgment or           coverage is $500 per occurrence.
 written settlement.
                                                                  The exclusions that apply to Coverages L and M do
                                                                  not apply to this coverage. However, we do not pay
                                                                  for damage to property:

                                                                  a. owned by an insured, or owned by, rented to or
                                                                     leased to another resident of your household or
                                                                     the tenant of an insured;




 FPGL1 (01-01)                                            —3—                                                     Ed 1.0
   b. caused intentionally by an insured who has               injury or the property damage which:
      attained the age of 13; or
   c. resulting in whole or in part from:                      a. occurs on the insured premises and is a result
                                                                  of the ownership, maintenance, use, loading or
      1) activities related to a business of an insured;          unloading of:
      2) premises owned, rented or controlled by an
         insured, other than an insured premises; or              1) a motorized vehicle if it is not subject to
      3) the ownership, operation, maintenance, use,                 motor vehicle registration because of its
         occupancy, renting, loaning, entrusting,                    type or use; or
         supervision,     loading    or   unloading    of         2) a recreational motor vehicle;
         motorized vehicles, aircraft or watercraft.
         We do pay for property damage to                      b. results from:
         motorized vehicles not subject to motor
         vehicle registration and not owned by an                 1) a golf cart while used for golfing purposes;
         insured if the motorized vehicle is used                 2) a utility, boat, camp or mobile home trailer,
         only to service the premises or if it is                    except when the trailer is carried on, is towed
         designed for recreational use off public roads.             by or is attached to a motor vehicle or a
                                                                     recreational motor vehicle; or
2. Contracts And Agreements — We pay for                          3) a motorized vehicle which is designed only
   damages for bodily injury or property damage                      for use off public roads and which is used
   resulting from liability assumed by an insured under              mainly to service the insured premises;
   a written contract made before the loss. The loss
   causing the bodily injury or property damage                c. results from an insured's use of a recreational
   must have occurred during the policy period. This              motor vehicle which is not owned by an
   coverage does not apply to a contract in connection            insured.
   with business activities of an insured.
                                                             6. Watercraft —
3. Claims And Defense Cost — If we defend a suit,
   we pay:                                                     a. We pay for the bodily injury or the property
                                                                  damage which results from the maintenance,
   a. the costs taxed to an insured;                              use, loading or unloading of:
   b. the costs incurred by us;
   c. the actual loss of earnings by an insured for time          1) a watercraft while it is on the insured
      spent away from work at our request (We pay up                 premises;
      to $50 per day.);                                           2) a watercraft which is not owned by or rented
   d. the necessary costs incurred by you at our                     to an insured if the loss is a result of the
      request;                                                       activities of an insured;
   e. the interest which accrues after the entry of a             3) a watercraft which is owned by or is rented to
      judgment, but ending when we tender or pay up                  an insured and which is powered by inboard
      to our limit;                                                  or inboard/outboard motors which total 50
   f. the premiums on appeal bonds or bonds for the                  horsepower or less;
      release of attachments up to our limit (We are              4) a sailing vessel with or without auxiliary power
      not required to apply for or furnish bonds.);                  which is owned by or is rented to an insured
   g. the premiums up to $500 per bail bond required of              and is less than 26 feet in length; or
      an insured because of an accident or a traffic              5) a watercraft which is powered by outboard
      law violation arising out of the use of a vehicle to           motors which total 25 horsepower or less.
      which this Personal Liability Coverage applies
      (We are not required to apply for or furnish
      bonds.); and
   h. prejudgment interest awarded against an insured
      on that part of the judgment we pay. If we offer
      to pay the limit, we will not pay any prejudgment
      interest based on that period of time after the
      offer.

4. First Aid Expense — We pay the expenses
   incurred by an insured for first aid to persons, other
   than insureds, for covered bodily injury.

5. Motorized Vehicles — We pay for the bodily



FPGL1 (01-01)                                           —4—                                                   Ed 1.0
   b.We pay for the bodily injury or the property                   motorized vehicles or watercraft
      damage which results from the maintenance,
      use, loading or unloading of a watercraft that is        owned or operated by or rented or loaned to an
      powered by outboard motors which total more              insured. We do pay:
      than 25 horsepower, if:
                                                               a. for bodily injury to a person in the course of
      1) the motors are listed on the Declarations;               performing duties as a domestic employee; or
      2) the motors are acquired by an insured during          b. if coverage is provided by an Incidental Motorized
         the policy period and a request for coverage is          Vehicle or Watercraft Coverage;
         made within 45 days after they are acquired;
         or                                                 4. the use of a motorized vehicle in, or in the practice
      3) the motors are not owned by an insured.               or the preparation for, racing, speed, pulling or
                                                               pushing, demolition or stunt activities or contests;
7. Business — We pay for the bodily injury or the
   property damage which results from:                      5. liability imposed by law on an insured for the use of
                                                               a motorized vehicle, aircraft or watercraft, except if
   a. the rental of that part of the insured premises          coverage is provided for by an Incidental Motorized
      that is usually occupied by you as a residence;          Vehicle or Watercraft Coverage;
   b. the rental of other parts of the insured premises
      for use as a residence (No family unit may            6. the rendering of or the failing to render a professional
      include more than two roomers or boarders.); or          service;
   c. the rental of a part of the insured premises for
      use as a school, studio, office or private garage.    7. activities related to the business of an insured;

                                                            8. premises that are owned, rented or controlled by an
                                                               insured and that are not the insured premises. We
                                                               do pay for bodily injury to a person in the course of
                                                               performing duties as a domestic employee;
EXCLUSIONS THAT APPLY TO
COVERAGES L AND M                                           9. an intentional act of an insured or an act done at
                                                               the direction of an insured;

Personal Liability Coverage does not apply to bodily       10. an occurrence for which an insured is also an
injury or property damage which results directly or            insured under a nuclear energy liability policy or
indirectly from:                                               would be an insured but for the exhaustion of its
                                                               limits (A nuclear energy liability policy is a policy
1. war (This includes undeclared war, civil war,               issued by the Nuclear Energy Liability Insurance
   insurrection, rebellion, revolution, warlike act by a       Association, Mutual Atomic Energy Liability
   military force or military personnel, or destruction,       Underwriters, Nuclear Insurance Association of
   seizure or use of property for a military purpose.          Canada or their successors.); or
   Discharge of a nuclear weapon is deemed a warlike
   act even if accidental.);                               11. the discharge, dispersal, release or the escape of
                                                               pollutants into or upon land, water or air, except if
2. the ownership, operation, maintenance, use,                 such discharge, dispersal, release or escape is
   occupancy, renting, loaning, entrusting, supervision,       sudden and accidental. However, this exclusion
   loading or unloading of aircraft, except for bodily         does not apply to bodily injury or property
   injury to a person while performing duties as a             damage that arises from the heat, smoke or fumes
   domestic employee (This exclusion does not apply            of hostile fire on the insured premises. Hostile fire
   to model airplanes.);                                       is a fire that becomes uncontrollable or breaks out
                                                               from where it was intended to be.
3. the ownership, operation, maintenance, use,
   occupancy, renting, loaning, entrusting, supervision,
   loading or unloading of




FPGL1 (01-01)                                         —5—                                                       Ed 1.0
   12. a. actual or alleged bodily injury that results
          directly or indirectly from the ingestion,         1. an insured or other person who resides on the
          inhalation or absorption of lead in any form;         insured premises, except a domestic employee;
      b. actual or alleged property damage that results
          directly or indirectly for any form of lead;       2. a person who is on the insured premises because
      c. any loss, cost or expense arising out of any           a business is conducted or professional services are
          request, demand or order that any Insured or          rendered on the insured premises; or
          others test for, monitor, clean up, remove,
          contain, treat, detoxify or neutralize or in any   3. a person, including a domestic employee, if a
          way respond to or assess the effects of lead;         workers' compensation policy covers the injury or
          or                                                    if benefits are provided under a workers'
      d. any loss, cost or expense arising out of any           compensation,       non-occupational       disability,
          claim or suit by or on behalf of any                  occupational disease or like law.
          governmental authority for damages resulting
          from testing for, monitoring, cleaning up,
          removing containing, treating, detoxifying or      WHAT YOU MUST DO IN CASE OF LOSS
          neutralizing or in any way responding to or
          assessing the effects of lead.
                                                             1. Notice — In the case of an occurrence (or if an
                                                                insured becomes aware of anything that indicates
ADDITIONAL EXCLUSIONS THAT APPLY ONLY TO                        that there might be a claim under this Personal
COVERAGE L                                                      Liability Coverage), the insured must promptly give
                                                                us or our agent notice (in writing if requested).

Coverage L does not apply to:                                   The notice must state:

1. bodily injury to you, and if residents of your               a. the name of the insured; the policy number; and
   household, your relatives, and persons under the                the time, place, and the details of the
   age of 21 in your care or in the care of your resident          occurrence; and
   relatives;                                                   b. the names and the addresses of all known
                                                                   potential claimants and witnesses.
2. liability assumed under a contract or an agreement,
   except as provided for by Incidental Contracts and        2. Cooperation — The insured must cooperate with
   Agreements Coverage;                                         us in performing all acts required by this Personal
                                                                Liability Coverage.
3. damage to property owned by an insured;
                                                             3. Volunteer Payments — An insured must not
4. damage to property that is rented to, occupied by,           make payments, pay or offer rewards or assume
   used by, or in the care of an insured, except for            obligations or other costs except at the insured's
   property damage caused by fire, smoke or                     own cost. This does not apply to costs that are
   explosion;                                                   allowed by this Personal Liability Coverage.

5. sickness, disease or death of a domestic                  4. Other Duties — Liability Coverage — In case of
   employee unless a written notice is received by us           an occurrence which might result in a claim, the
   within 36 months after the end of the policy period in       insured must promptly give us copies of all legal
   which the injury occurred; or                                papers, demands and notices that relate to the
                                                                occurrence or claim.
6. bodily injury to a person, including a domestic
   employee, if the insured has a workers'                      At our request, the insured must help us:
   compensation policy covering the injury or if benefits
   are payable or are required to be provided by an             a. to settle a claim;
   insured under a workers' compensation, non-                  b. to conduct suits (This includes being at trials and
   occupational disability, occupational disease or like           hearings);
   law.                                                         c. to enforce the right of recovery or indemnification
                                                                   against all parties who may be liable to an
ADDITIONAL EXCLUSIONS THAT APPLY ONLY TO                           insured for the injury or damage;
COVERAGE M                                                      d. in the securing of and giving of evidence; and
                                                                e. in obtaining the attendance of all witnesses.

Coverage M does not apply to bodily injury to:               5. Other Duties — Medical Payments To Others



FPGL1 (01-01)                                           —6—                                                    Ed 1.0
   Coverage — In case of a loss the injured person or            does not apply until the limits of all other policies
   someone acting on behalf of that person must:                 covering this loss have been exhausted.

   a. give us written proof of claim (under oath if we
      request) as soon as practical; and                      PAYMENT OF LOSS OR CLAIM
   b. authorize us to get copies of medical records.

   The injured person must submit to physical exams           A person who has secured a judgment against an
   by doctors chosen by us when and as often as we            insured for an insured loss or has liability established
   may require.                                               by a written agreement between the claimant, an
                                                              insured and us is entitled to recover under this
                                                              Personal Liability Coverage to the extent of coverage
                                                              provided.


HOW MUCH WE PAY FOR LOSS OR CLAIM


1. Coverage L — Liability — The limit shown on the            CONDITIONS
   Declarations for Coverage L is the most we pay for
   loss for each occurrence. This applies regardless of
   the number of:                                             1. Bankruptcy Of An Insured — Bankruptcy or
                                                                 insolvency of an insured does not relieve us of our
   a. persons insured under this Personal Liability              obligations under this Personal Liability Coverage.
      Coverage;
   b. parties who sustain injury or damage; or                2. Conformity With Statute — Terms in conflict with
   c. claims made or suits brought.                              the laws of the state where the premises described
                                                                 on the Declarations is located are changed to
2. Coverage M — Medical Payments To Others —                     conform to such laws.
   The limit shown on the Declarations per person for
   Coverage M is the most we pay for all medical              3. Misrepresentation, Concealment Or Fraud —
   expenses payable for bodily injury to one person              This Personal Liability Coverage is void if, before or
   as the result of one accident.                                after a loss:

   When a limit is shown on the Declarations per                 a. an insured has          willfully   concealed   or
   accident for Coverage M, that limit is the most we               misrepresented:
   pay for any one accident.
                                                                    1) a material fact or circumstances with respect
   The payment of a claim under Coverage M does not                    to this insurance; or
   mean we admit we are liable under Coverage L.                    2) an insured's interest herein.

3. Insurance Under More Than One Coverage — If                   b. there has been fraud or false swearing by an
   more than one coverage applies to a loss, we pay                 insured with respect to this insurance or the
   no more than the actual loss.                                    subject thereof.
                                                              4. Subrogation — If we pay for a loss, we may
4. Coverage L — Insurance Under More Than One                       require that the insured assign to us the right of
    Policy — (This does not apply to Coverage M –                   recovery up to the amount we pay. We are not
    Medical Payments to Others).                                    liable for a loss if, after the loss, an insured
                                                                    impairs our right to recover against others. You
If there is other insurance which applies to a loss, we             may waive your right to recover, in writing, before
pay only that part of the loss that the applicable limit of         a loss occurs, without voiding coverage.
liability under this policy bears to the total amount of
insurance covering the loss.                                     Subrogation does not apply to Coverage M —
     If the master policy of a condominium association           Medical Payments to Others or to Damage to
     applies to a covered loss, this insurance is excess         Property of Others under the Incidental Personal
     over the insurance under such master policy.                Liability Coverages.
                                                              5. Suit Against Us — No suit may be brought against
   If a loss arises out of the ownership, maintenance,           us unless:
   use, loading or unloading of a motorized vehicle or
   watercraft to which this policy applies, this insurance       a. all the terms of this Personal Liability Coverage



FPGL1 (01-01)                                            —7—                                                    Ed 1.0
      have been complied with; and
   b. the amount of an insured's liability has been           10.         Examination of Books and Records - We
      fixed by:                                                     may examine and audit your books and records that
                                                                    relate to this policy during the policy period and
      1) a final judgment against an insured which is               within three years after the policy has expired.
         the result of a trial; or
      2) a written agreement of the insured, the
         claimant and us.

   No person has a right under this Personal Liability
   Coverage to join us or implead us in actions that are
   brought to fix the liability of an insured.

6. Assignment - This policy may not be assigned
   without our written consent.

7. Cancellation - Notice of Cancellation shall be 30
    days except; ten (10) days to insured and
    mortgagee on owner-occupied dwellings and five (5)
    days to insured and ten (10) days to mortgagee on
    other than owner-occupied dwellings for the
    following underwriting standards or conditions:
   a. any insured structure is used for business
       purposes;
   b. any animal owned by any person insured under
       this policy, or any animal located at any location
       insured under this policy, has ever bitten,
       attached, or harmed any individual;
   c. any structure insured under this policy is used to
       provide child care services;
   d. more than two (2) liability losses in a three (3)
       year period;
   e. any structure found to be other than a one (1) or
       two (2) family owner occupied dwelling.

   Your return premium, if any, will be calculated on a
   pro rata basis and will be refunded at the time of
   cancellation or as soon as practical. Payment or
   tender of the unearned premium is not a condition of
   cancellation.

8. Change, Modification or waiver of Policy Terms
   - A waiver or change of the terms of this policy must
   be issued by us in writing to be valid. If in the policy
   period, we adopt a revision which broadens coverage
   without an additional premium, the broadened
   coverage will apply.

   If this policy has no expiration date, we may
   substitute or we may add, at each anniversary date,
   forms that are then authorized for use.

9. Inspections - We have the right, but are not
   obligated, to inspect your property and operations.
   This inspection may be made by us or may be made
   on our behalf. An inspection or its resulting advice
   or report does not warrant that your property or
   operations are safe, healthful or in compliance with
   laws, rules or regulations. Inspections or reports are
   for our benefit only.



FPGL1 (01-01)                                            —8—                                                    Ed 1.0
GL-70 (01-01)                                                                           Ed 1.1




                                 ADDITIONAL INSURED

 (The information required below may be shown on a separate schedule or on the Declarations.)

Name and Address of Person or Organization:




Location of Premises:




Interest:




The definition of insured includes the            necessary and incidental operations of the
person or organization named above as the         premises.
interest appears.
                                                  Coverage does not apply to bodily injury to
Coverage applies only with respect to the         an employee arising out of or in the course
premises shown above. This includes the           of employment by an insured.




GL-70 (01-01)                                                                           Ed 1.1
            REQUEST FOR ISSUANCE OF LIABILITY ENDORSEMENT WITH
                         RESTRICTIONS IN COVERAGE

POLICY NUMBER:                                                                             DWELLING
INSURED:                                                                              FP DL 00 02 01 99

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

This endorsement effective_______________________,
the effective hour being the same as that designated in the
policy to which this endorsement is attached, forms a part of
the policy listed above.



YOUR POLICY CHANGED AS FOLLOWS:
It is hereby requested that in consideration of your
continuing my policy at this time the following agreement is
made:


This company shall not be liable under COVERAGE L -
PERSONAL LIABILITY, COVERAGE M -
MEDICAL PAYMENTS TO OTHERS OR
ADDITIONAL COVERAGES of this policy for loss or
damage caused by, resulting from, contributed to or
aggravated by,


Description of animal(s) excluded:




Owned by, or in the care of, custody or control of the
insured, or any member of the insured's family or
household.

This agreement also applies to any reinstatement or
renewal of this policy.

All other terms and conditions of this policy remain
unchanged.


Date:            Signed:
                                     (Insured)

Date:            Signed:
                                     (Producer)




FP DL 00 02 01 99                Copyright, Virginia Property Insurance Association, 1999   Page 1 of 1

								
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