TOWNGUARD. Policy Fee: $50 BMIC (09-15) 1 TOWNGUARD

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Peregrine Townsend
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1 TOWNGUARD SECTION PAGE PROGRAM DESCRIPTION... 2 ELIGIBILITY ADDITIONAL CHARGES... 3 PACKAGE RATES... 4 CPL COVERAGES/RATES... 5 OPTIONAL SECTION II LIABILITY COVERAGES/RATES... Policy Fee: $50 BMIC (09-15) 1 TOWNGUARD

2 PROGRAM DESCRIPTION Townguard program is: 1. For owner occupied risks. 2. Actual Cash Value (Roof Replacement & Contents Replacement optional) 3. Basic Perils Coverage, no broad form perils. (Theft is included.) 4. For non-farm risk (not over 50 acres). If more than 50 acres, write in Farmowner program. Package: Dwelling 100% Contents 50% Additional Living Expense 10% Other Structures 10% Liability 50,000/1,000 Med Pay ELIGIBILITY PROPERTY THAT DOES NOT QUALIFY: A. Business or farming occupants. B. Property where land at the residence totals over 50 acres. C. Mobile homes. UNDERWRITER APPROVAL REQUIRED ON THE FOLLOWING: 1. Applicant that has plead guilty or been convicted of a felony. 2. Any dwelling where the roof covering is slate, asbestos, concrete or any non-standard material. We will accept the risk, given these roof coverings, if the insured will agree to a roof exclusion. 3. Risks with unfenced in-ground swimming pools. 4. Risks with pools with diving boards. CLAIM UNDERWRITING: The following are guidelines concerning claims history and acceptability. Each applicant and claim scenario is different, so the underwriter will review the entire account and the type of claim or claims to evaluate acceptability. NO-PAY CLAIMS: Generally no-pay claims are treated as a paid claim. SINGULAR RISK: 2 claims in 3 years or 3 claims in 5 years would disqualify a risk. If there are more than 2 fire claims in the last 5 years, regardless of the number of properties, the risk will be declined. BMIC (01-17) 2 TOWNGUARD

3 SECTION I: ADDITIONAL CHARGES AND COVERAGES COVERAGE B OTHER STRUCTURES INCREASED LIMITS DECREASED LIMITS Town class 1-9 $5.00 per $1,000 $3.50 per $1,000 Town class 10 $7.00 per $1,000 $4.50 per $1,000 COVERAGE C - PERSONAL PROPERTY INCREASED LIMITS DECREASED LIMITS Town class 1-9 $4.00 per $1,000 $3.00 per $1,000 Town class 10 $.00 per $1,000 $4.00 per $1,000 COVERAGE D- ADDITIONAL LIVING EXPENSE INCREASED LIMITS DECREASED LIMITS Town class 1-9 $3.0 per $1,000 $2.00 per $1,000 Town class 10 $5.00 per $1,000 $3.50 per $1,000 IDENTITY FRAUD EXPENSE COVERAGE LIMIT PREMIUM 5,000 $ ,000 $ ,000 $ ,000 $ ,000 $ ,000 $2.70 Each Additional $5,000 $ 5.50 BMIC (09-15) 3 TOWNGUARD

4 TOWNGUARD 100%-10%-50%-10% non farm, 50 acres or less $50,000 single limit CPL, $1,000 medical included Deductible: $500 all other perils / $1,000 wind hail DWELLING AMOUNT , , , , , , , , , , ,32.21 Each 1, DEDUCTIBLE CREDITS: $1,000 all other perils / $2,000 wind hail 10% $2,000 17% $2,500 20% $3,000 25% ADDITIONAL CHARGES: SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory) Provides coverage for damage to underground service lines as a result of a covered failure (covered cause of loss includes wear and tear of line) WOOD HEAT SUBMERSIBLE PUMP WARRANTY $4,000 limit, $500 deductible ROOF REPLACEMENT Flat roofs are ineligible. Charge separately for each building to be covered. See eligibility requirements, Underwriting page minimum CONTENTS REPLACEMENT 10% of base premium 5.00 REFRIGERATED FOOD PRODUCTS $500 limit BROAD FORM EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment per $1,000 TV ANTENNAS/SATELLITE 5.0 per $1,000 SEWER BACKUP THEFT RESTRICTION: We do not cover theft of personal property outside of a fully enclosed structure on the residence unless the property is secured by lock or other security device. (This is not the only theft restriction. Please refer to policy for exact coverage and restriction.) BMIC (01-17) 4 TOWNGUARD

5 COMPREHENSIVE PERSONAL LIABILITY COVERAGES Less than 50 acres no farming Limits:,000 omitted; includes $1,000 med COVERAGE DESCRIPTION $50 $100 $300 $500 $1,000 INCREASED MED PAYMENTS $2,000 $5,000 DESCRIBED RESIDENCE PREMISES 1 FAMILY FAMILY FAMILY FAMILY EACH ADD'L RESIDENCE INSURED SINGLE FAMILY RENTED 2 FAMILY RENTED ADD'L INSURED, RESIDENT OR NON-RESIDENT Write in Rental or Seasonal program with property coverage BUSINESS PURSUITS: TEACHERS - ATHLETIC, LAB, MANUAL TRAINING, PHYSICAL ED TEACHERS NOC CORPORAL PUNISHMENT** Not Applicable ** DOES NOT INCLUDE MEDICAL PAYMENTS BMIC (01-1) 5 TOWNGUARD

6 OPTIONAL SECTION II - LIABILITY COVERAGES Limits: 000 omitted; includes $1,000 med COVERAGE DESCRIPTION $50 $100 $300 $500 $1,000 INCREASED MEDICAL $2,000 $5,000 CHILD CARE: NO DOGS ALLOWED. THE RISK MAY NOT BE WRITTEN IF THERE IS A DOG ON PREMISES AND CHILD CARE. LIMITATION: 5 CHILDREN INCLUDING THE INSURED S CHILDREN. OFFICE, PROF., PRIVATE SCHOOL OR STUDIO OCC. ON OR OFF PREMISES OR PROFESSIONAL INSTRUMENTS ON PREMISES THIS CHARGE APPLIES FOR EACH SUCH EXPOSURE: RECREATIONAL MOTOR VEHICLE (INCLUDES GOLF CARTS), SNOWMOBILE - NOT DESIGNED FOR PUBLIC ROAD USE. CHARGE PER VEHICLE. OUTBOARD MOTORS & WATERCRAFT: EACH OUTBOARD MOTOR HP OVER 50 HP INBOARD OR INBOARD/OUTBOARD MOTORBOATS & SAILBOATS UNDER 1 MPH 1-30 MPH OVER 30 MPH LESS THAN 2 FEET TO 40 FEET OVER 40 FEET LESS THAN 2 FEET TO 40 FEET OVER 40 FEET LESS THAN 2 FEET TO 40 FEET OUTBOARD MOTORS UNDER 25 HP - INC. IN BASE RATE PERS. INJURY PROTECTION BMIC (09-15) TOWNGUARD

VACANT DWELLING OR MOBILE HOME

VACANT DWELLING OR MOBILE HOME SECTION PAGE VACANT DWELLINGS...2 VACANT MOBILE HOMES...3 MISCELLANEOUS COVERAGES...4 OUTBUILDINGS...4 COMMERCIAL FARM LIABILITY...5 Policy Fee: $50 UNDERWRITER APPROVAL