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If this policy has been in effect for 60 days or more, mailing addresses known to us at least 45 days or is a renewal of a policy we issued, we may prior to the expiration date of this policy. cancel only for one or more of the following 2. If notice is mailed, proof of mailing will be reasons: sufficient proof of notice. a. Nonpayment of premium; 3. If either one of the following occurs, we are not b. Your conviction of a crime arising out of acts required to provide written notice of increasing the hazard insured against; nonrenewal c. Acts or omissions by you or your representative a. We or a company within the same constituting fraud or material misrepresentation insurance group has offered to issue a in obtaining the policy, continuing the policy, or renewal policy; or presenting a claim under the policy; b. You have obtained replacement coverage d. Discovery of grossly negligent acts or or agreed in writing to do so. omissions by you substantially increasing any 4. If written notice of nonrenewal is mailed less of the hazards insured against; than 45 days prior to expiration of this policy e. Substantial change in the risk assumed by us, and neither 3.a. or 3.b applies, the coverage since the policy was issued, except to the shall remain in effect until 45 days after the extent that we should reasonably have foreseen notice is mailed. Earned premium for any the change or contemplated the risk in writing period of coverage that extends beyond the the contract; expiration date of this policy shall be f. A determination by the Director of Insurance considered pro rata based upon the previous that the continuation of the policy would place year's rate. us in violation of the insurance laws of this D. If the Standard Property or Special Property state; or Form provides coverage for: g. Your failure to take reasonable steps to 1. Real property which is used predominantly for eliminate or reduce any conditions in or on the residential purposes and consists of one insured premises which contributed to a loss in through four dwelling units; and/or the past or will increase the probability of future 2. Personal property (except business or farm losses. personal property) of a person residing in such If we cancel this policy based on one or more of real property; these reasons, we will mail written notice of The following provisions apply (instead of those cancellation, stating the reason(s) for cancellation, provided in item C. above) with respect to by certified mail or by first-class mail using nonrenewal of such coverage: Intelligent Mail barcode or another similar tracking method used or approved by the United States 1. If we elect not to renew, we will mail written Postal Service to the first Named Insured. We will notice of nonrenewal by certified mail or by mail this notice to the last mailing address known to first-class mail using Intelligent Mail barcode or us, at least: another similar tracking method used or (1) 10 days before the effective date of approved by the United States Postal Service, cancellation if we cancel for nonpayment of to the first Named Insured. We will mail this notice, stating the reason(s) for nonrenewal, to premium. the last mailing address known to us, at least (2) 45 days before the effective date of 45 days before the end of the policy period. cancellation, if we cancel for any of the Proof of mailing will be sufficient proof of other reasons. notice. C. The following is added and supersedes any 2. If either one of the following occurs, we are not provision to the contrary, (and applies except in required to provide notice of nonrenewal: situations where D., below, applies): a. You have agreed to nonrenewal; or Nonrenewal b. You have accepted replacement coverage. 1. If we elect not to renew this policy, we will mail 3. If our nonrenewal is based on the condition of by certified mail or by first-class mail using the premises, you will be given 30 days' notice Intelligent Mail barcode or another similar to remedy the identified conditions. If the tracking method used or approved by the identified conditions are remedied, coverage United States Postal Service to the first Named will be renewed. If the identified conditions are Insured, and mail to the agent, if any, written not remedied to our satisfaction, you will be notice of nonrenewal. We will mail this notice, given an additional 30 days, upon payment of stating the reason(s) for nonrenewal, to the last premium, to correc eR cF ILLi3R M&T7Agm2dDLVIBI0R Jy/ \'x REVIEWED & APPROVED BY.- Page 2 of 4 . V ,_---P W. fjanagement Analyst