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b. We will mail or deliver advance written from the date the state of emergency is notice of cancellation, stating the reason declared, solely because the dwelling or other for cancellation, to the first Named Insured, structure is located in an area in which a wild at the mailing address shown in the policy, fire has occurred. and to the producer of record, at least: However, we may cancel: (1) 10 days before the effective date of a. When you have not paid the cancellation if we cancel for premium, at any time by letting nonpayment of premium or discovery you know at least 10 days before of fraud, or the date cancellation takes effect; (2) 30 days before the effective date of b. If willful or grossly negligent acts cancellation if we cancel for any other or omissions by the named reason listed in paragraph 3.a. insured, or his or her B. The following provision is added to the representatives, are discovered Cancellation Common Policy Condition: that materially increase any of the 7. Residential Property risks insured against; or This provision applies to coverage on real c. If there are physical changes in property which is used predominantly for the property insured against, residential purposes and consisting of not beyond the catastrophe- damaged more than four dwelling units, and to condition of the structures and surface landscape, which result in coverage on tenants' household personal the property becoming uninsur- property in a residential unit, if such able. coverage is written under this policy: a. If such coverage has been in effect for C. The following is added and supersedes any 60 days or less, and is not a renewal of provisions to the contrary: coverage we previously issued, we NONRENEWAL may cancel this coverage for any 1. Subject to the provisions of paragraphs C.2. reason, except as provided in b. and c. and C.3. below, if we elect not to renew this below. policy, we will mail or deliver written notice b. We may not cancel solely because the stating the reason for nonrenewal to the first first Named Insured has: Named Insured shown in the Declarations and (1) Accepted an offer of earthquake to the producer of record, at least 60 days but coverage; or not more than 120 days, before the expiration (2) Cancelled or did not renew a policy or anniversary date. issued by the California We will mail or deliver our notice to the first Earthquake Authority (CEA) that Named Insured, and to the producer of record, included and earthquake policy at the mailing address shown in the policy, premium surcharge. 2. Residential Property However, we shall cancel this policy if This provision applies to coverage on real the first Named Insured has accepted a property used predominantly for residential new or renewal policy issued by the purposes and consisting of not more than four CEA that includes an earthquake policy dwelling units, and to coverage on tenants' premium surcharge but fails to pay the household property contained in a residential earthquake policy premium surcharge unit, if such coverage is written under this authorized by the CEA. policy. G. We may not cancel such coverage a. We may elect not to renew such coverage solely because corrosive soil for any reason, except as provided in b., c. conditions exist on the premises. This and d. below: restriction (c.) applies only if coverage b. We will not refuse to renew such coverage under the Special Property Coverage Solely because the first Named Insured Form, which excludes loss or damage has accepted an offer of earthquake caused by or resulting from corrosive coverage. soil conditions. If a state of emergency under California However, the following applies only to Law is declared and the residential insurers who are associated participating property is located in any ZIP Code within insurers as established by Cal. Ins, Code Section 10089.16. We may elect not to or adjacent to the Fire perimeter, as renew such coverage after the first Named determined by California Law, we may not cancel this policy for one year, beginning Insured has accepted an offer ofearthquake coverage, if one or more of the following reasons applies: Page 2 of 5 Form SS 01 21 02 20