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not fail to renew this policy unless you b. Household or personal property that is received 30 days' notice as provided in 1. usual or incidental to the occupancy of any above. premises used for residential purposes. c. Notification of nonrenewal will also be sent 2. The second paragraph of Paragraph E.2. to your broker, if known, or agent of record, PROPERTY LOSS CONDITIONS is replaced if known, and to the last known mortgagee by the following: or lienholder. a. Each party will pay its own appraiser and d. The nonrenewal shall not become effective bear the other expenses of the appraisal until at least 30 days from the proof of and umpire equally, except as provided in mailing date of the notice to you. b. below. D. The following Exclusion is added to Paragraph 13.2., b. We will pay your appraiser's fee and the EXCLUSIONS, of the SPECIAL PROPERTY umpire's appraisal fee, if the following COVERAGE FORM or the STANDARD PROPERTY conditions exist: COVERAGE FORM. (1) You demanded the appraisal; and 1. We will not pay for loss or damage arising out of (2) The full amount of loss, as set by your any act committed: appraiser, is agreed to by our appraiser a. By or at the direction of any insured; and or by the umpire. b. With the intent to cause a loss. 3. Paragraph C., Concealment, Misrepresentation In the event of such a loss, no insured is entitled Or Fraud of the COMMON POLICY to coverage, even insureds who did not commit CONDITIONS is replaced by the following: or conspire to commit the act causing the loss. C. Concealment, Misrepresentation Or 2. However, this exclusion will not apply to deny Fraud payment to an innocent co-insured who did not 1. This policy is void if you or any insured cooperate in or contribute to the creation of the commit fraud or conceal or loss if: misrepresent a fact in the process a. The loss arose out of a pattern of criminal leading to the issuance of this domestic violence; and insurance, and such fraud, concealment b. The perpetrator of the loss is criminally or misrepresentation is stated in the prosecuted for the act causing the loss. policy or endorsement or in the writtenapplication for this policy and: 3. If we pay a claim pursuant to Paragraph D.2., a. Was made with actual intent to our payment to the insured is limited to that deceive; or insured's insurable interest in the property less any payments we first made to a mortgagee or b. Materially affected either our other party with a legal secured interest in the decision to provide this insurance or property. In no event will we pay more than the the hazard we assumed. Limit of Insurance. However, this condition will not serve as E. The following applies to the MORTGAGEHOLDERS a reason to void this policy after the ERRORS AND OMISSIONS COVERAGE FORM, policy has been in effect for one year or SPECIAL PROPERTY COVERAGE FORM or the one policy term, whichever is less. STANDARD PROPERTY COVERAGE FORM. 2. We do not provide coverage under this The following is added to the Legal Action Against Policy to you or any other insured who, Us Condition: at any time subsequent to the issuance The 2 year period for legal action against us is of this insurance, commit fraud or intentionally conceal or misrepresent a extended by the number of days between the date material fact relating to: the proof of loss is filed with us and the date we deny the claim in whole or in part. a. This Policy; F. The following applies to the SPECIAL PROPERTY b. The Covered Property; COVERAGE FORM or the STANDARD PROPERTY c. Your interest in the Covered COVERAGE FORM. Property; or 1. If this policy covers property described in a. and d. A claim under this Policy. b. below, Paragraphs 2. and 3. apply: 3. Notwithstanding the limitations stated in a. Real property used principally for residential C.1. above, we may cancel this policy in purposes up to and including a four family accordance dwelling; or A. Cancel Risk POLICY CO GF �D`a` "� Jy/ \'x REVIEWED & APPROVED BY.- .. V Form SS 01 23 01 18 W. janagement Analpt