Personal Lines Property Manual

Transcription

1 ONTARIO Personal Lines Property Manual Aviva Insurance Company of Canada Update #23 Please note we have make changes to our manuals effective June 1, 2015 for New Business and August 1, 2015 for Renewals for the introduction of the following endorsements: Updated Sewer Backup Endorsement. The new Overland Water Endorsement For further details on these changes, please refer to the wordings and manual pages which can be found on AvivaPartner.ca If you have any questions, please contact your Account Executive or Business Development Specialist. Please replace the following with the included updated manual pages: Index Section Miscellaneous Section D Entire Section Entire Section

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3 INTRODUCTION PROPERTY INDEX SECTION Personal Property No Premium Tables No Territory Tables Some Discounts and Surcharges Percentages Not Shown GENERAL SECTION Binding Authority... A 1 Cancellation... A 4 Claims... A 5 Client Loyalty Date... A 5 Combined Policy... A 5 Deductibles... A 6 Guaranteed Replacement Cost on Dwellings... A 7 Heating... A 7 Home Heating Oil Tanks... A 8 Increased Contents... A 9 Inflation Protection... A 9 Insurance to Value... A 9 Insured Defined... A 9 Interested Parties... A10 Letters of Authorization... A10 Minimum Premium... A10 Rating... A10 Replacement Cost on Contents... A10 Risks to be Referred to Company Prior to Binding... A 2 Risks not Written (Declination Rules)... A 3 Sale of Home... A11 Single Limit of Insurance... A11 Term... A11 Vacant... A11 PRODUCTS SECTION Coverage Limits B 2 Extensions of Coverage (Comprehensive and Broad)... B 4 Limitations of Coverage (Comprehensive and Broad)... B 4 Fire Protection... B 1 Miscellaneous Coverages... B 1 Types of Policies Offered B 1 Homeowners Eligibility... B 5 Primary Location... B 5 Tenants Eligibility... B 6 Comprehensive Senior Tenants... B 6 Condominiums Condominium Unit Owners... B 7 Increased Coverage... B 7 Improvements and Betterments... B 7 Loss Assessment Coverage... B 7 Ontario 1 Aviva Insurance Company of Canada Aug. 1 / Nov. 1, 2013

4 PROPERTY INDEX SECTION PRODUCTS SECTION (Cont d) Dolce Vita Extensions of Coverage (Dolce Vita)... B 8 Limitations of Coverage (Dolce Vita)... B 8 Decreasing Deductible (Dolce Vita Only)... B11 Eligibility Requirements-Dolce Vita Homeowners... B 9 Eligibility Requirements-Dolce Vita Condominium... B10 Inspection and Appraisal... B11 Secondary / Seasonal Homeowners Eligibility... B 12 Secondary / Seasonal Condominiums Eligibility... B 13 Increased Coverage... B 13 Improvements and Betterments... B 13 Seasonal and Summer Dwellings Seasonal and Summer Dwellings - Eligibility... B 14 Stand Alone Seasonals... B 14 Trailers Used as Seasonals - Eligibility... B 14 Rented Dwellings Comprehensive Form... B 15 Fire & EC Named Perils... B 15 Rented Condominiums... B 16 Mobile Homes Underwriting Criteria... B 17 Risks to be Referred to Company Prior to Binding Coverage... B 17 Unacceptable Risks... B 17 Coverages... B 17 Heating... B 17 DISCOUNTS AND SURCHARGES SECTION Age Discount... C 1 Alarm Discount... C 1 Broker Discretionary Discount... C 1 Claim... C 2 Car and Home Discount... C 1 Centrally Monitored Water Alarm Discounts... C 2 Claims Free Discount... C 2 Combined Policy Discount... C 2 Home Age Discount... C 2 Loyalty Discount... C 2 Mortgage Free Discount... C 3 Non-Smoker Discount... C 3 Surcharges... C 3 Water Alarm Discount... C 3 Ontario 2 Aviva Insurance Company of Canada Aug. 1 / Nov. 1, 2013

5 PROPERTY INDEX SECTION MISCELLANEOUS SECTION Sewer Backup All Other Areas... D 2 Deductible... D 1 Definitions... D 3 Discounts... D 2 Eligible/Ineligible Risks... D 1 High Risk Areas... D 2 New Business... D 2 Renewals... D 2 Special Coverage Feature... D 1 Territories... D 1 Overland Water Annual Coverage Requirement... D 6 Eligible Risks/Ineligible Risks... D 5 Deductible Options... D 5 Limits... D 4 Overland Water Coverage... D 4 Overland Water Endorsement... D 4 Overland Water Risk Zones... D 5 Post Claim All Territories... D 6 Sewer Backup Endorsement... D 4 Personal Liability / Personal Umbrella Personal Liability Additional Charges... D 10 Application... D 9 Broker Binding Authority... D 9 Coverage... D 7 Coverage... D 11 Limits Factor Table... D 9 Other Features... D 8 Personal Umbrella... D 8 Primary Insurance... D 8 Rates... D 9 Optional Coverages Endorsements: Actual Cash Value Roof Endorsement... D 11 Additional Insured - Premises Liability Only... D 11 Additional Insured Contents, Additional Living Expenses & Liability... D 12 Aviva Care... D 12 Burglary Coverage on Contents... D 12 By-Law Coverage... D 12 Condominium Single Limit of Insurance... D 12 Disappearing Deductible... D 13 Dwelling Under Construction... D 13 Earthquake Coverage... D 14 Excess Liability... D 14 Glass Reduced Deductible... D 14 Glass Breakage... D 14 Golf Cart Endorsement... D 14 Green Assure Endorsement... D 15 Identity Theft Expense... D 15 Increased Contents... D 15 Increased Credit Card Limit... D 15 Increased Improvements & Betterments... D 15 Increased Jewellery Limit... D 16 Increased Loss Assessment Coverage... D 16 Increased Outbuilding Coverage... D 16 Ontario 3 Aviva Insurance Company of Canada June 1 / Aug. 1, 2015

6 PROPERTY INDEX SECTION Optional Coverages (cont d) Increased Special Limits Business Tools and Equipment... D 16 In-Law Suite Endorsement... D 16 Loss Assessment... D 17 Malicious Damage Coverage... D 17 Personal Property Claim Protector... D 17 Personal Property in Storage Endorsement... D 17 Premises Liability Restriction... D 17 Rental Income and/or Fair Rental Value... D 18 Single Limit of Insurance... D 18 Special Enhancement Endorsement... D 18 Vacancy Permits... D 20 Worry Free Bundle... D 20 Scheduled Articles: Animals... D 21 Bicycles... D 21 Cameras... D 21 Camping... D 21 Cellular Telephones and Portable Electronic Devices... D 21 Coins... D 21 Collectibles of a Common Theme... D 22 Computers... D 22 Contact Lens... D 22 Deductible... D 22 Fine Arts... D 22 Firearms... D 22 Fishing Equipment... D 22 Furs... D 22 Garden Tractors... D 23 Golf Carts... D 23 Green Home Power Endorsement... D 23 Hearing Aids... D 24 Hockey Equipment... D 24 Horse and Pony... D 24 Jewellery... D 24 Jewellery in a Bank Vault or Safety Deposit Box... D 24 Miscellaneous Schedule Articles... D 24 Musical Instruments... D 24 Rates... D 21 Refer to Company... D 21 Silverware, Goldware and Pewterware... D 24 Skis... D 24 Sport Card Collections... D 25 Sports Equipment... D 25 Stamps... D 25 Tack Equipment... D 25 Tools... D 25 Wheelchair... D 25 Ontario 4 Aviva Insurance Company of Canada June 1 / Aug. 1, 2015

7 PROPERTY INDEX SECTION Home Based Business Watercraft Application... D 27 Basic Coverage Summary... D 26 Claims Frequency... D 27 Classifications & Premiums... D 29 Deductible... D 29 Discounts... D 29 Earthquake Coverage... D 29 Eligibility... D 26 Professional Liability... D 29 Scheduled Articles and Optional Coverage... D 29 Secondary Locations... D 29 Sewer Back-up Coverage... D 30 Single Limit Endorsement... D 30 Summary of Coverage... D 30 Umbrella Coverage... D 30 Boats and Motors... D 31 Watercraft Liability... D 31 Ontario 5 Aviva Insurance Company of Canada June 1 / Aug. 1, 2015

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9 PROPERTY - MISCELLANEOUS SEWER BACKUP SECTION SEWER BACKUP This endorsement provides coverage for loss or damage caused by the sudden and accidental backing up or escape of water or sewage from a sewer, sump pump or septic system provided there is no evidence that flood water or overland water has entered the building from an entry point other than the sewer backup itself. If evidence of flood water or overland water is found to have entered the building from another entry point, there is no coverage. Special Coverage Feature - $1,000 for Loss Prevention Device This endorsement also provides $1,000 coverage for the purchase of approved devices (following an insured sewer backup loss) that are proven to mitigate future sewer backup losses. These devices include a main line normally open back flow valve, backup power source for a sump pump, higher capacity sump pumps etc. Guaranteed Replacement Cost and Single Limit of Insurance do not apply to any loss covered by this endorsement. For the purpose of this endorsement: "Flood" means waves, tides, tidal waves, tsunamis or the rising or, the breaking out or the overflow of any body of salt water, whether natural or man-made. "Overland Water" means water that accumulates upon or submerges land which is usually dry resulting from: 1. The unusual and rapid accumulation or run off of surface waters from any source, including torrential rainfall. 2. The rising or, breaking out or the overflow of any body of fresh water. ELIGIBLE RISKS Homeowners Tenants Condominiums Secondary Homeowners Seasonal Homeowners Rented Dwellings Mobile Homes INELIGIBLE RISKS Seasonal FEC Trailers rated as Seasonal DEDUCTIBLE The Section 1 Property Coverage deductible applies. TERRITORIES Sewer Backup coverage is based on the six-character postal code of each location. The detailed list is too lengthy to publish but is indicated by the risk Territory. Territories 1 12 Territories Sewer backup risk is normal Sewer backup risk is high Ontario D 1 Aviva Insurance Company of Canada June 1 / Aug. 1, 2015

10 PROPERTY - MISCELLANEOUS SEWER BACKUP SECTION HIGH RISK AREAS (Territories 13, 14, 15) LIMITS Maximum coverage - $100,000. Lower limits are also available - $5,000, $10,000, $15,000, $20,000, $25,000, $50,000, or $75,000. NEW BUSINESS A professionally installed backwater valve or sump pump or septic system is required to qualify for coverage over $25,000. A fully completed and signed sewer backup questionnaire must be obtained for risks on a municipal sewer system. Refer to company Any risk with 1 sewer backup loss in the previous 5 years. The company must review a copy of a fully completed and signed sewer back up questionnaire for risks on a municipal sewer system prior to coverage being bound. Coverage is not available if there have been 2 or more sewer backup losses in the previous 5 years. RENEWALS A professionally installed backwater valve or sump pump or septic system is required to qualify for coverage over $25,000. To continue coverage where there has been 1 sewer backup loss in the previous 12 months, a professionally installed backwater valve or sump pump or septic system is required and a fully completed and signed sewer back up questionnaire for risks on a municipal sewer system must be reviewed and approved by the company prior to offering the renewal. Coverage is not available if there have been 2 or more sewer backup losses in the previous 5 years. ALL OTHER AREAS (Territories 1 12) LIMITS Maximum coverage Policy Limits. Lower limits are also available - $5,000, $10,000, $15,000, $20,000, $25,000, $50,000, $75,000 or $100,000. NEW BUSINESS Refer to company Any risk with 1 sewer backup loss in the previous 5 years. A professionally installed back up value or sump pump or septic tank system is required and a fully completed and signed sewer back up questionnaire for risks on a municipal sewer system must be reviewed by the company prior to coverage being bound. Coverage is not available if there have been 2 or more sewer backup losses in the previous 5 years. RENEWALS To continue coverage over $25,000 where there has been 1 sewer backup loss in the previous 12 months, a professionally installed backwater valve or sump pump or septic tank system is required and a fully completed and signed sewer back up questionnaire for risks on a municipal sewer system must be reviewed and approved by the company prior to offering the renewal. Coverage is not available if there have been 2 or more sewer backup losses in the previous 5 years. DISCOUNTS Sump Pump (Automatic, no power backup)... 5% Sump Pump (Generator power backup)... 15% Sump Pump (Battery power backup)... 15% Sump Pump (Water pressure backup)... 15% Backwater Value... 10% Septic System Discount... Amount of discount varies By Sewer Backup Territory * Valve and sump pump discounts may be applied cumulatively. Ontario D 2 Aviva Insurance Company of Canada September 1, 2011

11 PROPERTY - MISCELLANEOUS SEWER BACKUP SECTION DEFINITIONS Backwater Valve: A type of check valve in a drainage pipe where the reversal of water flow causes the valve to close, thereby cutting off the water flow back up through the pipe, also known as backflow valve. Automatic Sump Pump: An automatic sump pump is a mechanical pump used to remove water that has accumulated in a sump pit. The water may enter the sump pit through drains funneling into the pit, or it may enter because of rain or because of natural ground water, if the basement is below the water table level. Electric Sump Pump: The sump pump s mechanical system is powered by the electrical system of the dwelling in which it has been installed. The disadvantage to this type system is the sump pump is rendered inoperable in the event of a power outage. Sump Pump with Battery Backup: The sump pump s mechanical system derives its primary source of power from the electrical system of the dwelling in which it has been installed. The battery backup provides a secondary power source for the sump pump to operate from in the event of a power outage. The limitations of this type of system are the battery life, ensuring the backup battery provides sufficient power to handle anticipated water loads and length of time the sump pump will operate off the battery pack in a power outage. Sump Pump with Generator Backup: The sump pump s mechanical system derives its primary source of power from the electrical system of the dwelling in which it has been installed. A gas powered generator provides a secondary source for the sump pump to operate from in the event of a power outage. The limitations of this type of system are ensuring the system is fully fueled, the generator provides sufficient power output to support the anticipated water loads and maintenance of the generator s mechanical components. Sump Pump with Water pressure Backup: The sump pump s mechanical system derives its primary source of power from the electrical system of the dwelling in which it has been installed. Pressurized municipal water pushes through the backup system creating a vacuum that draws water from the sump pit. There are no moving or mechanical parts to maintain within this type of system, however, the system should be designed to provide sufficient power to support anticipated water loads and there is a possibility the system could fail if there is loss of water pressure from within the supply line. Septic System An alternate wastewater treatment system used when a home is not connected to a municipal sanitary sewer system. The main components of a septic system are a septic tank and a leaching bed. Wastewater from a home drains directly into the septic tank, eventually draining into the leaching bed where it is further treated, filtered through natural processes, and ultimately drained back into the soil or ground water. Regular maintenance and pumping of the septic tank is imperative to ensure efficient operation and to prevent sewer backup losses. Ontario D 3 Aviva Insurance Company of Canada September 1, 2011

12 PROPERTY - MISCELLANEOUS OVERLAND WATER SECTION OVERLAND WATER COVERAGE This coverage is offered as a package including both the Sewer Backup Endorsement and the Overland Water Endorsement to provide broad water damage protection. The Overland Water Endorsement includes coverage for sewer backup when it is concurrent to overland water damage. A risk must therefore also be eligible for Sewer Backup to be eligible for the Overland Water Endorsement. SEWER BACKUP ENDORSEMENT The risk must meet all eligibility for the Sewer Backup Endorsement specified in this section of the manual. OVERLAND WATER ENDORSEMENT This endorsement provides coverage for the actual loss or damage caused by overland water including the sudden and accidental backing up or escape of water or sewage from a sewer, sump pump or septic system resulting from overland water provided there is evidence the overland water has also entered the building from an entry point other than the sewer backup itself. This endorsement does not provide coverage for loss or damage caused by flood or storm surge. There is also no coverage for loss or damage caused by the escape of water that results from the intentional breach of dams, dikes, levee s or any other similar man made structure. Guaranteed Replacement Cost and Single Limit of Insurance do not apply to any loss covered by this endorsement. For the purpose of this endorsement: "Flood" means waves, tides, tidal waves, tsunamis or the rising or, the breaking out or the overflow of any body of salt water, whether natural or man-made. "Overland Water" means water that accumulates upon or submerges land which is usually dry resulting from: 3. The unusual and rapid accumulation or run off of surface waters from any source, including torrential rainfall. 4. The rising or, breaking out or the overflow of any body of fresh water. LIMITS Overland Water Maximum Coverage: Homeowners - The total sum of Coverage A, B, C and D. Tenants - The total sum of Coverage C and D. Condominium - The total sum of Coverage C, D, Unit Improvements and Betterments, Unit Additional Protection, and Loss Assessment Coverage. The individual limits for Coverage A, B, C and D apply separately depending on which coverage is impacted by the loss. Ontario D 4 Aviva Insurance Company of Canada June 1 / Aug. 1, 2015

13 PROPERTY - MISCELLANEOUS OVERLAND WATER SECTION LIMITS (Cont d) Optional Personal Property Limits: 20% of Coverage A limit. 0% of Coverage A limit. This option is not available for Tenant or Condominium policies. ELIGIBLE RISKS Homeowners Tenants Condominiums Secondary Homeowners Seasonal Homeowners Rented Dwellings INELIGIBLE RISKS Seasonal FEC Trailers rated as Seasonal Mobile Homes DEDUCTIBLE OPTIONS $ 1,000 $ 2,500 $ 5,000 $10,000 $50,000 OVERLAND WATER RISK ZONES Overland water coverage is based on the six-character postal code of each location. The detailed list is too lengthy to publish but is indicated by the Overland Water Zone. Zone 1 9 Overland water risk is normal. Zone Overland water risk is high. Zone Overland water risk is very high and coverage is not available. ELIGIBILITY The risk must not be located in a Very High Risk Overland Water Zone The risk is not in an area named in a government flood warning until 30 days after that warning has ended. The buildings must not be located within 100 meters (328 feet) of any river or other flowing water with a usual width of 5 meters (16.5 feet) or more. An exception will be allowed if the lowest level of the buildings has an elevation at least 10 meters (33 feet) above the usual water level. The buildings must not have a reverse slope driveway (sloping downward to the dwelling) and must not have a below-grade garage. The risk must meet all eligibility for the Sewer Backup Endorsement. A fully completed and signed Sewer Backup Questionnaire is required (including questions on reverse slope driveway and distance from a river) for High Risk Overland Water Zones (Zones 10-12). Ontario D 5 Aviva Insurance Company of Canada June 1 / Aug. 1, 2015

14 PROPERTY - MISCELLANEOUS OVERLAND WATER SECTION ANNUAL COVERAGE REQUIREMENT The Overland Water Endorsement premium represents an average annual risk level and must not be removed and re-added on a seasonal basis. If the Overland Water Endorsement is removed, it must not added back for at least 12 months. POST CLAIM ALL TERRITORIES New Business If there has been one past loss or occurrence at the location we are insuring, the risk must be referred to confirm eligibility. Any risk with two or more losses at the same location we are currently insuring is not eligible for overland water coverage. Renewal If there has been one loss risk must be referred to the company to confirm continued eligibility. Any risk with two or more losses at the same location we are currently insuring is not eligible for overland water coverage. Ontario D 6 Aviva Insurance Company of Canada June 1 / Aug. 1, 2015

15 PROPERTY - MISCELLANEOUS - PERSONAL LIABILITY SECTION PERSONAL LIABILITY Comprehensive Personal Liability coverage extends only to the Named Insured as defined in the policy wording however, the following additional interests may be considered: a. with an additional charge - other residents of the Insured's household; b. without an additional charge: i. Municipal Corporations, insofar as the existence of a receiving set television aerial is concerned, which require, as a condition precedent to the issuing of a permit for the erection of a receiving set television aerial, Bodily Injury and/or Property Damage Liability Insurance which provides indemnity in respect of the liability of the Municipal Corporation. ii. Municipal Corporations which engage in the care and removal of trees from the premises of individuals where such corporations require, as a condition precedent to the care and removal of such trees, Bodily Injury and/or Property Damage Liability Insurance which provides indemnity in respect of the liability of the Municipal Corporation arising from these operations. iii. Provided the coverage is restricted to the ownership, maintenance or use of the premises in which they have an insurable interest: A. Co-owners of the premises; B. Agents of the Insured, having care, custody or control of the premises described in the policy; C. Persons, firms or corporations financially controlling or controlled by the Insured; D. Estates or living trusts and the executors, administrators, trustees or beneficiaries thereof; E. Bankrupt estates and mortgagees, assignees or receivers thereof; F. Loan associations or similar institutions when an interest in the property is retained under a conditional sales agreement. NOTE: If the Insured s primary residence is located outside Canada, Comprehensive Personal Liability will be restricted to premises only coverage. Aviva Insurance offers the following Liability limits: $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 NOTE: Liability premiums vary by individual risk characteristics and will be determined when the policy is uploaded. The standard limit for package policies is $1,000,000. The standard limit for non-package policies is $500,000. An additional premium will be charged for Liability coverage or to extend Liability from existing coverage, subject to the following premiums: Additional family (or families) Additional residence (or residences) owned or occupied by the Insured Incidental Office in the Principal Residence Babysitting or Day Care by Insured Not more than 5 children at any one time (including Insured s children) Incidental school or music lessons by Insured Not more than 3 students at any one time Watercraft Solar Power Generation Wind Turbine Power Generation Ontario D 7 Aviva Insurance Company of Canada Nov. 1 / Dec. 1, 2010(R 1)

16 PROPERTY - MISCELLANEOUS - PERSONAL UMBRELLA SECTION PERSONAL UMBRELLA Personal Umbrella coverage applies worldwide and supplements the required $1,000,000 primary coverage on private passenger rated Automobile (including Family Protection Endorsement OPCF #44 if provided by the primary coverage), Comprehensive Personal and Watercraft Liability policies. The limits available are $1,000,000 to $5,000,000. The Personal Umbrella Policy also provides first dollar Liability coverage not normally provided by the primary policies (subject to a $250 deductible). For example: Personal Injury - libel, slander, false arrest, wrongful eviction and defamation of character, etc. Watercraft - coverage beyond that which is normally provided by the Comprehensive Personal Liability form, if primary insurance is in force and specified in the Declarations. Liability assumed under a personal contract - written or oral. Legal Defence costs are covered from the first dollar when coverage provided by the Personal Umbrella Policy is not insured by the primary policies. OTHER FEATURES Automatic coverage provided for additional exposures acquired by the Insured after the policy inception date. Extensions of coverage to officers or members of non-profit organizations (excluding condominium corporations or associations) Excess automobile coverage is provided outside Canada and the United States of America subject to a primary limit requirement. PRIMARY INSURANCE The failure of the Insured to maintain the proper primary coverages will not invalidate this policy, but the Insurer will only be liable to the same extent as if the proper primary coverages had been maintained. Ontario D 8 Aviva Insurance Company of Canada June 15, 2009(R)

17 PROPERTY - MISCELLANEOUS - PERSONAL UMBRELLA SECTION BROKER BINDING AUTHORITY Under the following conditions, Personal Umbrella coverage may be bound by the broker for a maximum of $5M in excess of $2M. It is submitted with a fully completed and signed application in the name of an individual. All underlying coverages are insured for a minimum of $1M Liability and in the name of the same applicant as listed on the Personal Umbrella application or their spouse. There is no home based business in any insured residence. There have been no liability claims in the past 5 years, whether payment was made or not. Principal driver of all vehicles must be licensed a minimum of 5 years, with no accidents in the past 5 years and maximum of 1 minor conviction by each driver. Occasional drivers must be licensed a minimum of 3 years, with no accidents in the past 3 years and maximum of 1 minor conviction by each driver. All underlying private passenger rated automobile policies include an OPCF 44 endorsement No person defined as an insured under the policy may be a professional entertainer, broadcaster, television personality, professional athlete, high profile politician, labour leader. No person defined as an insured under the policy has ever been sued for libel or slander. No more than 1 rental property with a maximum annual gross income of $20,000 per year. No one insured under this policy owns any aircraft whether powered or not. No property located outside Canada. No property in multiple names other than the Named Insured and spouse. All risks must meet eligibility criteria for Aviva Insurance to qualify for Personal Umbrella coverage. Application Only a fully completed and signed application will be considered. With the Automatic Coverage policy feature, the coverage should be reviewed annually, and a new application is required every three years. Coverage over $5 million must be referred to the Company and coverage is not in effect until approved by the Company. RATES LIMITS OF LIABILITY PREMIUM $1,000,000 $125 $2,000,000 $175 $3,000,000 $235 $4,000,000 $250 $5,000,000 $275 Includes: a. Automobile Liability for two private passenger rated automobiles owned, leased or regularly used by the Insured (including private passenger vehicles owned, leased or registered in a Company name when used by Insured for personal use). Ontario D 9 Aviva Insurance Company of Canada September 1, 2011(R)

18 PROPERTY - MISCELLANEOUS - PERSONAL UMBRELLA SECTION LIMITS OF LIABILITY (Cont d) b. Personal Liability for up to two residences or farms, located in Canada, owned or occupied by the Insured. Properties located outside Canada are not included in the Basic Premium charge. c. Watercraft Liability for power boats, sail boats and other watercraft owned, leased or operated by the Insured, 8 metres (26 ft.) or less in length, equipped with outboard motor(s) totalling less than 19 kw (25 H.P.) or inboard motors of less than 38 kw (50 H.P.). d.additional Liability protection provided under this policy and not covered under the primary policies. ADDITIONAL CHARGES Each additional private passenger rated automobile including Family Protection Endorsement OPCF 44 on each additional private passenger rated automobile over the basic... $30 Each recreational motor vehicle... $30 Each additional residence, farm, located in Canada or 1 or 2 dwelling rented unit... $30 Watercraft Non-powered boats under 8 Metres (26 ft)... $30 Non-powered boats over 8 Metres (26 ft)... $30 Power Boats Outboards, Inboards & Inboard/Outboards With combined Motor(s) under 37 kw (49 h.p.)... $30 from 38 kw (50 h.p.) to 76 kw (100 h.p.)... $30 from 77 kw (101 h.p.) to 152 kw (200 h.p.)... $ 30 over 152 kw (200 h.p.)... Refer to Company For the office/business exposure in the main residence, operated by the Insured, if not covered by a primary business liability policy, but covered under the primary personal liability policy....$ 5 Foreign Exposures - properties, automobiles, recreational vehicles or watercraft insured by the underlying policies and located outside of Canada, do not bind without approval. Ontario D 10 Aviva Insurance Company of Canada September 1, 2011(R)

19 PROPERTY - MISCELLANEOUS - OPTIONAL COVERAGES SECTION OPTIONAL COVERAGES Coverages in this section are available only if written in conjunction with a package policy. ENDORSEMENTS Aviva Insurance offers the following Optional Endorsements: Actual Cash Value Roof Endorsement Additional Insured Premises Liability only, Additional Insured Contents, Additional Living Expenses and Liability Aviva Care Burglary Coverage on Contents By-Law Coverage Condominium Single Limit of Insurance Disappearing Deductible Dwelling Under Construction Earthquake Damage Glass Reduced Deductible or Breakage Golf Cart Endorsement Green Assure Endorsement Identity Theft Expense Increased Contents Increased Credit Card Limit Increased Improvements & Betterments Increased Jewellery Limit Increased Loss Assessment Coverage Increased Outbuilding Coverage Increased Special Limits Business Tools & Equipment In-Law Suite Loss assessment Personal Property Claim Protector Personal Property in Storage Premises Liability Restriction Rental Income and/or Fair Rental Value Single Limit Endorsement Special Enhancement Vacancy Permit Worry Free Bundle ACTUAL CASH VALUE ROOF ENDORSEMENT Under normal circumstances we would not insure a dwelling where the roof was over the recommended number of years for that type of roof. However, if the Insured was going to replace the roof within a reasonable amount of time, then the risk could be written by adding the applicable endorsement as shown below: Actual Cash Value - Coverage A. This endorsement limits coverage to Actual Cash Value for the roof of the Dwelling Building and excludes damage to interior of the building and personal property as a result of damage to the roof. Actual Cash Value - Coverage B. This endorsement limits coverage to Actual Cash Value for the roof of the Detached Private Structures and excludes damage to interior of the building and personal property as a result of damage to the roof. NOTE: This endorsement requires the signature of the Insured prior to the risk being accepted. No Premium charge. ADDITIONAL INSURED PREMISES LIABILITY ONLY This endorsement provides coverage when there is an additional interest to the Premises Liability only. Applicable to Homeowners, Secondary Homeowners, Seasonal Homeowners and Rented Dwellings. Refer to company for approval. No premium charge. Ontario D 11 Aviva Insurance Company of Canada Nov. 1 / Dec. 1, 2013

20 PROPERTY - MISCELLANEOUS - OPTIONAL COVERAGES SECTION ENDORSEMENTS (Cont d) ADDITIONAL INSURED CONTENTS, ADDITIONAL LIVING EXPENSES AND LIABILITY This endorsement provides coverage when there is an additional interest to the Contents, Additional Living Expenses and Liability. Applicable to Homeowners, Tenants, Condominiums, Secondary and Seasonal Homeowners, Rented Dwellings and Seasonal locations. Refer to company for approval. Only to be used for someone who is not included in the definition of Insured. No premium charge. AVIVA CARE Provides Quality Service Guarantee and Personal Accident Coverage Eligibility: Applicable to: No premium charge Named Insured is 50 years old or older. All risk types. BURGLARY COVERAGE ON CONTENTS... $6.00per $1,000 BY-LAW COVERAGE Our dwelling policies either exclude or limit loss or increased repair costs due to the existence of any bylaw regulating the zoning, demolition, repair or construction of buildings. Some municipalities enact bylaws, which mandate certain rebuilding or repair requirements. Use of this extension deletes the by-law exclusion or increases the limit automatically included. May be added to all risk types except Tenants. Rate: $ 5,000 - $ 9.00 $ 10,000 - $ $ 25,000 - $ $ 50,000 - $ $ 75,000 - $ $100,000 - $ CONDOMINIUM SINGLE LIMIT OF INSURANCE Single Limit of Insurance coverage provides a single limit of insurance equal to the total of the separate limits insured under Loss Assessment, Unit Improvements and Betterments and Unit Additional Protection for the applicable location. The coverage is equal to 600% of Coverage C. This coverage can also be increased to 700%, 800% or 900% of Coverage C for an additional premium. Rate: 600% of Coverage C - $ % of Coverage C - $0.10 per $1000 of contents difference between 600% and 700% 800% of Coverage C - $0.20 per $1000 of contents difference between 600% and 800% 900% of Coverage C - $0.30 per $1000 of contents difference between 600% and 900% Ontario D 12 Aviva Insurance Company of Canada July 1 / August 1, 2013

21 ENDORSEMENTS (Cont d) PROPERTY - MISCELLANEOUS - OPTIONAL COVERAGES SECTION DISAPPEARING DEDUCTIBLE The disappearing deductible reduces the deductible appearing on the Certificate of Property Insurance by 20% of the original deductible amount for each consecutive year the location is claims free. Eligibility: Homeowner, Condominium and Tenant principal residence locations only except Dolce Vita Homeowner or Dolce Vita Condominium Available where the deductible is $500 or $1,000 New business and renewals qualify New Business risks must provide previous insurer(s) and policy number(s). Flat Annual Premium: Homeowner $ 500 deductible $ Homeowner $1,000 deductible $ Tenant or Condominium $ 500 deductible $ Tenant or Condominium $1,000 deductible $ Combined Policy: No Charge Once the risk is 5 years claim free, the deductible will be reduced by 100% to zero. After a loss occurs, the deductible returns to the original amount and subsequently reduces again by 20% for each full year of being claims free. Disappearing Deductible may be purchased in conjunction with Personal Property Claim Protector under the Worry Free Bundle. DWELLING UNDER CONSTRUCTION For a new dwelling being constructed or dwelling being renovated for the Insured's own occupancy, if insurance begins not later than the completion of the foundation and for an amount equal to the estimated completed value, coverage will be provided under a Homeowner Form. Coverage placed no later than the completion of the foundation Risk to be insured to 100% of the expected completed value, calculated via a Replacement Cost Calculator acceptable to Aviva. To be occupied by the Insured, upon completion, as a primary, secondary or seasonal residence. Expected completion within 12 months. Construction to be completed by a qualified General Contractor. Risks are unacceptable if insured is acting as their own General Contractor. Confirmation the General Contractor carries a Comprehensive General Liability Policy (providing coverage for all Sub-contractors) with a minimum liability limit of $2,000,000 is required Additionally, confirmation the General Contractor also carries a Builders Risk Policy is required. Name of insurer, policy number and expiry date is required for both policies. Dwelling Under Construction endorsement must be added to the policy. Can be written on: Risk Type: HOM, SEA, SEC. Comprehensive, Broad or F&EC coverage available. Coverage ceases once construction has been completed and the house is approved for occupancy. Risks do not qualify for Guaranteed Replacement Cost until completed and occupied. Risk does not qualify for a Personal Umbrella Liability Policy until the risk is completed and occupied. All risks must be referred prior to binding. Risk does not qualify for any other endorsements or discounts, until completed and occupied. There is no charge for this endorsement. Ontario D 13 Aviva Insurance Company of Canada Aug. 1 / Nov. 1, 2013

22 ENDORSEMENTS (Cont d) PROPERTY - MISCELLANEOUS - OPTIONAL COVERAGES SECTION EARTHQUAKE COVERAGE 2% deductible /$1,000 5% deductible /$1,000 This endorsement is offered on Homeowners (principal and secondary/seasonal homes), Tenants, Condominium and Building and/or Contents policies. Amount of insurance to be used for rating purposes: Use the total of the amounts of insurance according to the form Homeowners Tenants Condominiums Building and/or Contents Coverage A, B, C and D (with or without a Single Limit) Coverage C and D Coverage C and D Coverage A, B, C and D Provides coverage for loss or damage arising from the peril of earthquake. The deductible for this coverage is applied as a percentage of the total coverage amount. EXCESS LIABILITY This endorsement is only offered on Combined Policies and is added to Homeowners, Tenants and Condominiums Principle Residences only. The endorsement provides an additional $1,000,000 Liability coverage for the Personal Property, Personal Automobile and Personal Watercraft policies issued to the Named Insured and Spouse of the Named insured through the Aviva family of companies. Rate: No charge. GLASS Reduced Deductible Homeowners Principal, Secondary/Seasonal, Tenant and Condominium Glass Breakage cover is included in all package policy forms. The deductible may be reduced for an additional premium. Rate: $25.00 deductible - $10.00 GLASS Breakage Fire & Extended Coverage including rented locations Glass Breakage cover is not included in non-package policy forms. Coverage can be purchased as follows: Rate: - Policy deductible - $25.00 NOTE: Coverage is not available to buildings that are vacant, unoccupied or in the course of construction. GOLF CART ENDORSEMENT This endorsement provides liability coverage for golf carts while being used in a gated community or trailer park. Used only in a gated community or trailer park Used only by insured No drivers under 25 years old Rate: $30.00 Ontario D 14 Aviva Insurance Company of Canada Aug. 1 / Nov. 1, 2013

23 PROPERTY - MISCELLANEOUS - OPTIONAL COVERAGES SECTION ENDORSEMENTS (Cont d) GREEN ASSURE ENDORSEMENT This endorsement provides coverage to pay the increased cost to replace lost or damaged items with environmentally friendly or Energy Star rated products of similar kind and quality. Eligibility: Available for primary homeowner and condominium policies Environmentally friendly products include, but are not limited to, cork flooring, Energy Star rated appliances, insulation that provides a higher thermal resistance rating etc. Loss or damage must be a result of an insured peril. Items pertaining to roof-top gardens or patios are excluded. Annual Premiums: $25,000 $50,000 Homeowner and Condominium $25.00 $50.00 IDENTITY THEFT EXPENSE This endorsement provides coverage related to expenses incurred as a result of identity theft. The key features are as follows: increased credit card, automated teller card, forgery and counterfeit money limit to $15,000 reimbursement of the costs associated with the restoration of an insured person's identity. credit card/important document registry, with 24 hour hotline legal assistance hotline The maximum coverage per occurrence is $ 15,000. The maximum aggregate limit is $ 30,000. Rate: $ Policy deductible does not apply to this endorsement and any claim under this endorsement will not impact the Insured s claims record. INCREASED CONTENTS Contents coverage can be increased beyond the 80% provided by the package coverage. Risks with an increased contents limit exceeding the building limit should be referred to the company. Rates vary by risk characteristics and will be included in the total premium. INCREASED CREDIT CARD LIMIT The limit for Credit Cards can be increased from $5,000 provided by the Policy Wording to $10,000. Applicable to Homeowners, Condominiums(Principle Resident) and Tenants only. Annual Premium... $25.00 INCREASED IMPROVEMENTS & BETTERMENTS Improvements and Betterments Coverage can be increased beyond the 100% provided by the Condominium Package Coverage. Rates vary by risk characteristics and will be included in the total premium. Ontario D 15 Aviva Insurance Company of Canada Nov. 1 / Dec. 1, 2013 (R)

24 PROPERTY - MISCELLANEOUS - OPTIONAL COVERAGES SECTION INCREASED JEWELLERY LIMIT The limit for Jewellery can be increased from $6,000 provided by the Policy Wording to $10,000. Applicable to Homeowners, Condominiums (Principle Resident) and Tenants only. Annual Premium... $50.00 INCREASED LOSS ASSESSMENT COVERAGE Loss Assessment coverage can be increased beyond the 250% provided by the Condominium package coverage. Rates vary by risk characteristics and will be included in the total premium. INCREASED OUTBUILDING COVERAGE Outbuilding coverage can be increased beyond the 15% provided by the package coverage. Risks with an increased outbuilding limit exceeding the building limit should be referred to the company. Rates vary by risk characteristics and will be included in the total premium. INCREASED SPECIAL LIMITS BUSINESS TOOLS AND EQUIPMENT The limit for Business Tools can be increased from $2,500 provided by the Policy Wording to $5,000 or $10,000. Applicable to Homeowners, Condominiums (Principal Residence) and Tenants only. Not applicable to Dolce Vita risks. Annual Premium - $5,000 limit... $25.00 Annual Premium - $10,000 limit... $50.00 IN-LAW SUITE ENDORSEMENT Insured not charging rental fee. Applicable to: Homeowners only. Rates: No charge. Ontario D 16 Aviva Insurance Company of Canada Oct. 1 / Nov. 1, 2010(R)

25 ENDORSEMENTS (Cont d) PROPERTY - MISCELLANEOUS - OPTIONAL COVERAGES SECTION LOSS ASSESSMENT This endorsement provides coverage for Homeowners whose dwellings are located on land owned by a Condominium Corporation. Applicable to Homeowner, Secondary, Seasonal and Rented Dwellings. Rate: $ MALICIOUS DAMAGE COVERAGE Available for Seasonal and Summer Homes Rate: $2.30/$1,000 PERSONAL PROPERTY CLAIM PROTECTOR The Personal Property Claim Protector is an endorsement that protects the Claims Free Discount following the first claim on the protected location. Eligibility: Homeowner, Condominium and Tenant, principal residence locations only will qualify except Dolce Vita Homeowner or Dolce Vita Condominium A risk is eligible for the Personal Property Claim Protector provided there are no claims on the risk in the past 3 years New business and renewals qualify Rate: Homeowner $ Tenant or Condominium $ After one claim, the Personal Property Protector endorsement must remain on the risk to maintain the Claims Free Discount in the following term. Following a second claim within 3 years, the Claims Free Discount is removed and the Protector coverage is removed Personal Property Claim Protector may be purchased in conjunction with Disappearing Deductible under the Worry Free Bundle. PERSONAL PROPERTY IN STORAGE ENDORSEMENT Available on all risk classes except Rented Dwellings/Condos. Coverage is on a Named Perils basis. Contents must be stored in a secured storage facility All risks must be referred to company before binding. Rate: $8.80/$1,000 PREMISES LIABILITY RESTRICTION Liability coverage is restricted to the premises shown on the Certificate of Property Insurance. There is no charge for this endorsement. Ontario D 17 Aviva Insurance Company of Canada August 1, 2013

26 ENDORSEMENTS (Cont d) PROPERTY - MISCELLANEOUS - OPTIONAL COVERAGES SECTION RENTAL INCOME and/or FAIR RENTAL VALUE The rental income portion of a location not occupied by the Insured, which is covered by a Homeowners or Condominium policy, or of any eligible tenanted risk insured under dwelling building coverage (FEC) may be insured. The amount insured must be for the full annual rental value of the tenanted premises. Policy deductible applies. Rates: - $2.00/1000 SINGLE LIMIT OF INSURANCE Single Limit of Insurance coverage provides a single limit of insurance equal to the total of the separate limits insured under Coverages A, B, C and D for the applicable location This coverage is added automatically at no charge to Primary, Secondary and Seasonal Homeowner locations. SPECIAL ENHANCEMENT ENDORSEMENT The Special Enhancement Endorsement can be added to Comprehensive Homeowners (Special), Tenants and Condominium Unit Owners only with the following qualifications: Minimum amount of coverage - $200,000 (Homeowners) and $40,000 (Tenants and Condominiums Unit Owners). Homes built within the past 25 years. Homes over 25 years old qualify if the heating, plumbing and wiring have been updated or replaced in the past 20 years and the roof has been updated or replaced in the past 10 years and subject to a satisfactory inspection report. In Protected or Semi-Protected area only. Insured at current replacement cost - the company s preferred evaluator (or similar acceptable form) must be completed. Standard heat only. Single Family only. Detached only. No business use. 3 years claims free. Previous insurer and policy number provided on New Business. Occupied for private residential purposes as the principal residence. Not situated on premises used for farming unless the farming conducted is incidental to occupancy of the premises and farming is not the occupation of the Insured. Not a house trailer or mobile home, even if on temporary or permanent foundation. Ontario D 18 Aviva Insurance Company of Canada May 1, 2010

27 PROPERTY - MISCELLANEOUS - OPTIONAL COVERAGES SECTION ENDORSEMENTS (Cont d) This endorsement enhances the following policy limits. SPECIAL LIMITS POLICY LIMITS ENDORSEMENT LIMITS Books, tools and instruments pertaining to a business $2,500 $5,000 Securities $5,000 $7,500 Money or Bullion $500 $1,000 Garden Type Tractors $10,000 No limit Watercraft $2,000 $4,000 Animals, birds and fish $2,500 $5,000 Jewellery $6,000 $7,000 Numismatic Property $500 $5,000 Stamps and Philatelic Property $2,000 $5,000 Bicycle $1,000 $2,000 Collectibles $2,500 $3,000 Automatic insurance for a substitute residence building is covered for 30 days. The exclusions for personal property undergoing any process and damaged caused by animals are removed. The Basis of Claims Settlement is re-written and includes settlement with both Replacement Cost on building and contents and Guaranteed Replacement Cost on the building. Under Section II, Liability, the insuring agreement is extended to include Personal Injury. Rate: $ Ontario D 19 Aviva Insurance Company of Canada May 1, 2010

28 PROPERTY - MISCELLANEOUS - OPTIONAL COVERAGES SECTION ENDORSEMENTS (Cont d) VACANCY PERMIT Vacant risks will only be insured if: 1. We insured the building before vacated. 2. The vacancy will be less than a total of 120 days. 3. A satisfactory vacancy permit questionnaire is fully completed. The vacancy permit is to provide coverage to the amount stated on the policy. Permits are issued for a period of 30 days and may be extended up to an additional 60 days. No vacancy coverage will be extended beyond 90 days. Coverage provided is Fire and E.C. (fire following vandalism coverage included) only and is subject to a $500 deductible. Rate: $ days $ days $ days (maximum) WORRY FREE BUNDLE The Worry Free Bundle is an endorsement that combines the Personal Property Claim Protector and the Disappearing Deductible. Each endorsement operates independently of the other but are combined in one bundle for premium savings. Eligibility: Homeowner, Condominium and Tenant, principal residence locations only except Dolce Vita Homeowner or Dolce Vita Condominium A risk is eligible for the Worry Free Bundle provided there are no claims on the risk in the past 3 years Available where the deductible is $500 or $1,000 New business and renewals qualify New Business risks must provide previous insurer(s) and policy number(s). Rate: Homeowner $ 500 deductible $ Homeowner $1,000 deductible $ Tenant or Condominium $ 500 deductible $ Tenant or Condominium $1,000 deductible $ Combined Policy: Homeowner $ 500 deductible $ Homeowner $1,000 deductible $ Tenant or Condominium $ 500 deductible $ Tenant or Condominium $1,000 deductible $ After one claim, the Worry Free Bundle, like the Personal Property Claim Protector must remain on the risk to maintain the Claims Free Discount in the following term. Following a second claim within 3 years, the Claims Free Discount is removed and the Worry Free Bundle is removed. The risk will remain eligible for the Disappearing Deductible. Ontario D 20 Aviva Insurance Company of Canada Aug. 1 / Nov. 1, 2013

29 PROPERTY - MISCELLANEOUS - OPTIONAL COVERAGES SECTION SCHEDULED ARTICLES Coverages in this section are available only when added to a primary location package policy. REFER TO COMPANY - Schedules in excess of $50,000 or more than 50% of contents amount whichever is less. TOWN GRADES - Metro is defined as risks located in a municipality or area with a population over 100,000. DEDUCTIBLE - No deductible applies unless indicated below or stated in Declarations. RATES - Rates are per $100 ANIMALS Assistance Dog... $4.00 BICYCLES Rate tiers First $5, $4.00 Next $5, $3.00 Over $10, $2.00 Not intended for any motor or power driven cycle. Each bicycle must be scheduled with a serial number. $100 deductible applies. CAMERAS Non professional Use... $1.70 Professional Use... $3.50 Including projection machines, film and accessories Excluding television cameras and coin operated devices CAMPING EQUIPMENT Including breakage... $3.75 Excluding breakage... $2.75 CELLULAR TELEPHONES and PORTABLE ELECTRONIC DEVICES... $3.00 Portable units only Complete description including make, model and serial number required. $100 deductible applies COINS... $0.95 Coins may be scheduled on a blanket basis up to $5,000 subject to a limit of $250 on any one coin. If coverage is required in excess of the above amount, the items are to be scheduled individually. Individual coins valued in excess of $1,000 must be supported by a Canadian appraisal completed by a recognized authority. Ontario D 21 Aviva Insurance Company of Canada June 1 / July 1, 2013