RENTERS INSURANCE PROTECT WHAT YOU OWN. Don t let a break-in rob you of your financial security. What s covered?

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1 RENTERS INSURANCE PROTECT WHAT YOU OWN. Say your place catches fire. Maybe a pipe bursts and floods your apartment. Or you come home to a broken lock, a trashed apartment and your most treasured possessions missing. What now? Don t let a break-in rob you of your financial security. Sure, your landlord s policy covers your building. But if the unexpected strikes, a State Farm Renters Policy covers your stuff. If your apartment is burglarized or damaged by a wide variety of causes, your policy could help foot the bill to replace your belongings. And it could cost less than you think: if you already have a State Farm Auto Policy, it only costs $4 to $5 more per month for a State Farm Renters Policy.1 What s covered? Your policy could help pay for a variety of property and liability claims: Property: The stuff you keep in your place, such as your furniture, clothes, and electronics. It could even cover belongings you take with you while away from home. Liability: In certain situations, your State Farm Renters Policy could help protect your finances by paying for damages which you re legally responsible for, and even your legal defense. For example, the policy could help cover legal defense costs if a visitor accidentally got hurt at your place and took you to court. Your policy could help after many different losses, including those caused by: Theft Fire or lightning Windstorm or hail Smoke Artificially generated electrical current (power surge) Vandalism or malicious mischief Freezing of plumbing system Weight of ice, snow, or sleet All property coverages are subject to exclusions, including those found in either the SECTION I LOSSES NOT INSURED or the SECTION II EXCLUSIONS area of the policy, depending on the state where you reside.

2 Did you know? If you have your auto and renters insurance with State Farm, you could qualify for discounts on both policies. Other costs covered by the policy Your policy may also help pay for: Removal of your damaged property after a fire, or other loss covered by the policy. Extra expenses for your household to live elsewhere, if your home is uninhabitable because of damage covered by the policy. What s not covered? There are causes of loss that the policy doesn t cover. For example: Water damage caused by flood or underground water Liability for business-related activities Liability for intentional injury or property damage Damage caused by earthquake or mudslide Deductibles A deductible is the amount that you are responsible for when you file a claim. For example, let s say you file a claim for $10,000 after a burglary, and your deductible is $500. If $10,000 is the covered amount of loss, after applying your deductible the payment would be $9, Generally, the higher your deductible, the lower your premium. But with a higher deductible, your financial responsibility could be higher if you file a claim. Your agent can help you determine the deductible that s right for you. Coverage caps Your State Farm Renters Policy has coverage limits on certain types of property, such as computers, collectibles, jewelry, and other valuables. Here s an example: Suppose your apartment had been broken into and your computer and printer were stolen. If your policy limit for home computers and equipment was $5,000, the policy would reimburse you up to that limit after your deductible has been met. 2 Your coverage needs may change over time, so be sure to review your policy with your agent every year. You may want to talk to your agent about a separate earthquake policy. Flood insurance is available through the U.S. Government s National Flood Insurance Program, and can be purchased in participating communities. State Farm agents enrolled in the NFIP Direct Program can write and service flood insurance coverage directly through the federal government. There is generally a 30-day waiting period for the policy to go into effect For more information about what isn t covered, please refer to either the SECTION I LOSSES NOT INSURED or SECTION II EXCLUSIONS section of the policy.

3 Extra coverage you just might need Depending on your situation, you may need separate, broader coverage for additional financial protection. Do you... Have concerns about your personal liability? Own jewelry, fine arts or other valuables? Work out of your home? Want to protect yourself against identity fraud? Then consider... A Personal Liability Umbrella Policy (PLUP) for extra liability coverage in increments of $1 million, in case you re sued for damages that exceed your State Farm Renters or Auto Policy liability limits. Other policy options or a Personal Articles Policy (PAP), which can give you higher coverage limits or broader protection. Other policy options for home business coverage, which may cover your business-related property and liability. You may also want to consider a separate, more comprehensive business policy for your home-based business. Adding the Identity Restoration Coverage Endorsement to your State Farm Renters Policy. It offers coverage for specific expenses caused by identity fraud and case management services to help counteract the effects of identity fraud. Stay organized with a home inventory 3 Creating an inventory of your possessions could really help make your life easier. And thanks to our online tool, the State Farm HomeIndex, creating an inventory is easier than ever. This tool is only available to State Farm customers, and can be used to: Build an online inventory. Snap a picture of each valuable, add its name and cost to replace it, and assign it to a category. You can add more details if you like, and then safely store your inventory electronically via the cloud. Easily access your inventory. Since your inventory is online, you can update it using a mobile device or computer. This tool enables you to filter your list and it to yourself, your State Farm agent, or even a relative, when needed. Plus, if you need to file a claim, you ll have a list of your possessions ready. Make moving easier. When you re getting ready for a move, use our tool s Pack and Labeling system to easily print labels listing the contents of each box. It s a simple way to keep organized from start to finish during your move. To access this tool, just register on statefarm.com and search for State Farm HomeIndex.

4 You need your stuff. You can trust our protection. Why try to prepare for the future on your own? Let State Farm help. Why? Simply put, a better value: State Farm offers several ways to save. More discounts may be available in your state. - Discounts may apply if you have a qualifying State Farm Auto Policy. - Protecting you from the unexpected is what State Farm is all about. One recommendation to help you safeguard your family and belongings is to use a home monitoring system. A home monitoring system may: discourage intruders from entering through sensor-protected doors and windows; detect water leaks early, avoiding serious damage; reduce fire and smoke damage through early detection. To help make your decision to install a home monitoring system easier, we ve teamed up with leaders in the home monitoring industry to bring you special, discounted prices on some affordable solutions. Plus, you may qualify for a home alert discount 4 on your home insurance. Visit st8.fm/homealert to learn more about these discounts. Power to Pay Your Way. You can make your payments monthly, quarterly, semi-annually, or annually. Pay online, via mobile phone, with automatic monthly payments, by mail, or in person. Your life changes. Let a State Farm agent help you manage your changing insurance and financial needs, from starting a family, to buying a home, to planning for retirement. We re here when you need us the most. State Farm has one of the nation s largest professional claim networks, so we can settle your claims promptly and fairly. Getting in touch is always easy. Walk in, Mail in, Call in, Click in. Contact your State Farm agent today or visit statefarm.com. With more than 90 years in the insurance business, the financial strength to back up our policies, and consistently high ratings from independent rating agencies, you can trust your insurance with State Farm. 1 Estimated additional average cost per month for $35,000 in renters insurance coverage with purchase of qualifying auto insurance from State Farm. 2 Capped property types and coverage limits may vary by state. Ask your State Farm agent or Policy Service Office representative (MA & RI) for details. 3 Completing a State Farm HomeIndex does not replace estimating the total amount of content coverage you may need. It also does not alter the policy provisions. Please talk with your agent about your coverage options. 4 Discount name, availability and amounts vary by jurisdiction. This is only a general description of coverages and is not a statement of contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. State Farm Fire and Casualty Company State Farm General Insurance Company Bloomington, IL statefarm.com SMF Printed in U.S.A.

5 State Farm Fire and Casualty Company Renters Rate Quote Prepared: November 13, 2017 Prepared for: Property Location: Territory Zone: 02 SAMPLE, JOE PPC: 3 Prepared by: Dustin Kwok Tak Hing 615 Piikoi St Ste 1411 Honolulu, HI Phone: (808) Quote Effective Date: 11/13/2017 Quote Description: Quote 1 Quote Results Limit Premium Coverages Personal Property (Coverage B) 30, Personal Liability (Coverage L) each occurrence 100,000 Medical Payments (Coverage M) each occurrence 1,000 Credit Card / Bank Card and Forgery 1,000 Damage to Property of Others (Each Occurrence) 500 Loss of Use (Actual Loss Sustained) Loss Settlement Provision Loss Settlement Option - Personal Property B1 - Limited Replacement Cost Deductibles Policy deductible 1,000 (7.00) Charges / Credits Claim free discount (6.00) Home alert (5.00) Policy Options and Endorsements Jewelry and Furs 1,000 included Silver / Goldware Theft - Option SG 2,500 included Business Property - Option BP 1,500 included Firearms - Option FA 2,500 included Home Computer - Option HC 5,000 included Fire Department Service Charge Increased Limits 500 included Hurricane Exclusion Total Annual Premium Monthly Premium (Service charge not included) 9.50 This is a brief example of some of the coverages and limits which are available. It is not a contract, binder of coverage nor a recommendation of coverage. If information used for rating changes or different rates are effective at the time of policy issuance, this rate quote may be revised. All coverages are subject to the terms and conditions contained in the policy and endorsements. If you have any questions, please contact my office Page 1 of

6 State Farm Fire and Casualty Company Renters Rate Quote Prepared: November 13, 2017 Prepared for: Property Location: Territory Zone: 02 SAMPLE, JOE PPC: 3 Prepared by: Dustin Kwok Tak Hing 615 Piikoi St Ste 1411 Honolulu, HI Phone: (808) Quote Effective Date: 11/13/2017 Quote Description: Quote 1 Quote Results Limit Premium Coverages Personal Property (Coverage B) 50, Personal Liability (Coverage L) each occurrence 300, Medical Payments (Coverage M) each occurrence 5, Credit Card / Bank Card and Forgery 1,000 Damage to Property of Others (Each Occurrence) 500 Loss of Use (Actual Loss Sustained) Loss Settlement Provision Loss Settlement Option - Personal Property B1 - Limited Replacement Cost Deductibles Policy deductible 1,000 (10.00) Charges / Credits Claim free discount (8.00) Home alert (7.00) Policy Options and Endorsements Jewelry and Furs 1,000 included Silver / Goldware Theft - Option SG 2,500 included Business Property - Option BP 1,500 included Firearms - Option FA 2,500 included Home Computer - Option HC 5,000 included Fire Department Service Charge Increased Limits 500 included Hurricane Exclusion Total Annual Premium Monthly Premium (Service charge not included) This is a brief example of some of the coverages and limits which are available. It is not a contract, binder of coverage nor a recommendation of coverage. If information used for rating changes or different rates are effective at the time of policy issuance, this rate quote may be revised. All coverages are subject to the terms and conditions contained in the policy and endorsements. If you have any questions, please contact my office Page 1 of