HomeMy WebLinkAboutCOI - Gasca, Pascual & Gasca, Hortencia - Expires 2023-08-07Allstate.
Maureen Harris Ins
17200 Monterey #A
Morgan Hill CA 95037
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PASCUAL G GASCA
& HORTENCIA S GASCA H/W
7351 ROSANNA ST
GILROY CA 95020-6196
Information as of June 16, 2022
Policyholder(s) Page 1 of 2
Pascual G Gasca & Hortencia S Gasca
H/W
Policy number
1 099 889 8991
Your Allstate agency is
Maureen Harris Ins
(408) 778-1298
MaureenHarris@allstate.com
Thank you for being a Loyal Allstate customer —we're happy to have you
with us!
Here's your Deluxe Homeowners insurance renewal offer for the next 12 months. I've also included a guide to
what's in this package and answers to some common questions.
Renewing your policy is easy
Keep an eye out for your bill, which should arrive in a couple of weeks. Just send your payment by the due date
on your bill. If you're enrolled in the Allstate® Easy Pay Plan, you won't receive a bill —we'll send you a statement
with your payment withdrawal schedule. You also won't receive a bill if a mortgage company or Iienholder pays
your insurance premium for you.
How to contact us
Give me a call at (408) 778-1298 if you have any questions. It's my job to make sure you're in good hands.
Sincerely,
Maureen Harris Ins
Your Allstate Agent
RP378-4
Policy number:
Policy effective date:
1099 809 8991
Page 2 of 2
Your Insurance Coverage Checklist
We're happy to have You as an Allstate customer! This checklist outlines what's in this package and provides answersto some
basic questions, as well as any "next steps" you may need to take.
O What's in this
See the guide below for the documents that are included.
Nextmteps/review your Policy Declarations toconfirm you
have the coverages, coverage limits, premiums and
savings that you requested and expected. Read any
Endorsements orImportant Notices tnlearn about new
policy changes, topics nfspecial interest, oswell as
required communications. Keep all ofthese documents
with your other important insurance papers.
[] AmUgetting all the discounts Ushould?
Confirm with your Allstate Agent that you're benefiting
from all the discounts you're eligible to receive.
A guide to your renewal package
Policy
Declarations*
The Policy
Declarations
lists policy
details, such my
your property
details and
oovcro8ay.
Policy
Endorsements
|fchanges are
made toyour
policy, these
documents will
include your new
contract
language.
Important
Notices
VVouse these
notices tucall
attention to
particularly
important
coverages, policy
changes and
discounts.
O What about my bill?
Unless you've already paid your premium |nfull, we'll send
your bill separately. Next steps: please pay the minimum
amount bvthe due date listed onit.
You can also pay your bill online atAUstwte-&oD/-s1Utpnrt
nrthrough the Allstate mobile app.|fyou're enrolled |nthe
A\|stmta@Easy Pay Plan, we'll send you astatement
detailing your payment withdrawal schedule. Para
espaho|,Uamorm|1-8OO-A7y'4285.
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What ifUhave m?
Visit AUslQ1e.=/uupDnrttobrowse our list nffrequently
asked questions and find information regarding billing or
policy documents. You can also create anonline account
toaccess and manage your policies. Para espmhu|,Ummar
u|1'80O-979'428S.
Insurance Made
Simple
Insurance seem
complicated?
Our online
guides explain
coverage terms
and features:
www.a|btatez"m/
maoeumo|e
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ZJacxaeontonoo,
^To make it easier to see whereyoumayhavegaps In your protection, we've highlighted any coverages you do nothave In the
Coverage Detail section hmthe enclosed Policy Declarations.
0429-002-0-02-00
Policy number:
Policy effective date:
1099 889 8991
Page 1 of 1
Allstate.
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At Allstate, we know how important it is to you to have the right protection at the right price. That's why we've included some
savings tips and services you have access tobelow;
Review your coverages
Make sure your protection fits your current needs.
Allstate@ mobile app
Download Allstate Mobile, where you can get tools and help, like ID cards ', Allstate Identity Protection and 24/7 Roadside
Assistance.
Find more ways to save
D|xcove/movoaboutyourmnnoy'sav|ngoptionsz,|iknFuUPaKDr|vowioe@nrEayyPa&bvvisiUngAUstateKAnhi|aor
aUstata.com/myaccount.
'Digital |Dcards not accepted aaproof ofinsurance inevery state.
'Subject to terms, conditions, and availability.
Policy number: 1099 889 8991
Policy effective date: August T2O2Z
Page 1 of 1
Allstate.
Important Privacy Choices For Consumers
You have the right to control whether we share some of your personal information.
Please read the following information carefully before you make your choices below.
Your Rimhta
You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we
own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information
necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes
sending you information about some other products orservices.
Your Choices
Restrict Information Sharing With Companies We Own mfControl (Aff!Qmtmo):
Unless you say "No," we may share personal and financial information about you with our affiliated companies.
[] NO, please do not share personal and financial information with your affiliated companies.
Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services -
Unless you say "No," we may share personal and financial information about you with outside companies we contract with to
provide financial products and services toyou,
[] NO, please do not share personal and financial information with outside companies you con -tract with to provide financial
products and services.
Time Sensitive Remlv
You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise. If you
already asked us not to share your personal and financial information, you do not need to complete this form again, However, if
we do not hear from you we may share some of your information with affiliated companies and other companies with whom we
have contracts tnprovide products and services.
TO USE THIS FORM, PLEASE PROVIDE ALL OF THE FOLLOWING INFORMATION TO ALLOW US TO PROCESS YOUR
REQUEST:
Name: Pascual GGasa &Hortonda5GoscaH/VV
ACCOUNT []RPOLICY NUKABER(S): 099889099
'To exercise your choices dnone ofthe following:
(1) Call our toll -free number 1-8OO'O56'251[t
(2) Fax our toll -free number 1'855-2]9'7425;ur
(3) Fill out, sign and send back this form toususing the envelope provided
(you may want tnmake acopy for your rccorda).
X73499v2
Policy number: 1099 889 8991
Policy effective date: August 7, 2022
Privacy Policy Statement
Thank you for choosing Allstate. VVevalue you, respect your
privacy and work hard toprotect your personal information.
This statement inprovided onbehalf ofAllstate Insurance
Company and the affiliates ("AUotata'')listed mtthe end ofthis
notice. VVawould like toexplain how vvecollect, use and share
the information vveobtain about you inthe course ofdoing
business.
Our Privacy Assurance
• VVodonot sell your personal urmedical information to
anyone.
• VVednnot share your information with non -affiliate
companies that would use ittocontact you about their
own products and services, unless permitted pursuant b>a
joint marketing agreement.
• YVerequ��persons nrorganizations that represent or
assist uoinservicing your policy and claims tnkeep your
infnrmat|nnounf|dent(oi
• YVarequire our employees toprotect your personal
information and keep itconfidential.
Page of
Allstate.
|naddition, Allstate and its business partners gather
information through Internet activity, which may include, for
example, your operating system, links you used tovisit
aUstmto.com,web pages you viewed while visiting our site or
applications, Internet Protocol (|P)addressas, and cookies. VVe
use cookies, eno|yt|coand other technologies tohelp:
w Evaluate our marketing campaigns
* Analyze how customers use our vvebs|twand applications
• Develop new services
* Know how many visitors have seen orclicked onour ads
Also, our business partners assist unwith monitoring
information including, but not limited to, }PnJdr*asem, domain
names and browser data, which can help ustobetter
understand how visitors use aUatuta.com.
How We Use and Shane Your Personal Information
|nthe course ofnormal business activities, weuse and share
your personal information. VVemay provide your information
tnpersons urorganizations within and outside ofAllstate. This
would hedone myrequired orpermitted bvlaw. For example,
vvemay dothis to:
* Fulfill atransaction you requested orservice your policy
Asyou can see, protecting your personal information in * Market our products
important tnus, |naddition tothe practices described above, * Handle your claim
weuse ovariety ofphysical, technical and administrative * Prevent fraud
security measures that help tnsafeguard your information. For w Cnmplywith requests from regulatory and law
Social Security Numbers (SSN),this includes restricting access enforcement authorities
toour employees, agents and others who use your SSNonly as w Participate |ninsurance support organizations
permitted 6vlaw: tncomply with the law, toprovide you with The persons nrorganizations with whom wamay share your
products and services, and tnhandle your claims. Also, our personal information may include, among others:
*mp|oyees'ondeAanta'mocesatnand use nfyour SSNare 0 Your agent, broker nrAUotata-mffiUatadcompanies
limited bythe law, our policies and standards, and our written w Companies that perform services, such aamarketing,
agreements. credit card processing, and performing communication
Our privacy practices continue toapply tnyour information services onour behalf
even ifyou cease toboenAllstate customer. * Business partners that assist unwith tracking how visitors
umoeUotute.com.
What Personal Information Do We Have and Where w Other financial institutions with whom wehave mjoint
Do We Get It marketing agreement
VVagather personal information from you and from outside * Other insurance companies that play arole |nmninsurance
sources for business purposes. Some examples ofthe transaction with you
information vvecollect from you may include your name, phone ° Independent claims adjusters
number, home and e-mail addresses, driver's license number, w Abusiness orbusinesses that conduct actuarial nr
social security number, marital status, family member research studies
information and healthcare information. Also, womaintain * Those who request |nformat|onpurnuont1oasubpoena ur
records that include, but are not limited to, policy coverages, court order
premiums, and payment history. VVealso collect information * Repair shops and recommended claims vendors
from outside sources that may inc|udehut|snot||m|todto
' ' The Internet and �Your Information Security
your driving record, claims history, medical information and -~
We ousacoukiey'anu|ytiosmndothnrtechno|uD|estuhe|pus
provide users with better service and amore customized web
Page 2 of 2
Policy number: 1099 889 8991
Policy effective date: August 7, 2022
experience. Additionally, our business partners use tracking
services, analytics and other technologies to monitor visits to
allstate.com. The website may also use Web beacons (also
called "clear GIFs" or "pixel tags") in conjunction with cookies.
If you prefer, you can choose to not accept cookies by changing
the settings on your web browser. Also, if you would like to
learn about how we gather and protect your information over
the Internet, please see our online privacy statement located at
the bottom of the allstate.com homepage.
To learn more, the allstate.com Privacy Statement provides
information relating to your use of the web site.
This includes, for example, information regarding:
1) how we collect information such as IP address (the number
assigned to your computer when you use the Internet),
browser and platform types, domain names, access times,
referral data, and your activity while using our site;
2) who should use our web site;
3) the security of information over the Internet; and
4) links and co -branded sites.
How You Can Review and Correct Your Personal
Information
You can request to review your personal information contained
in our records at any time. To do this, please send a letter to
the address below requesting to see your information for the
previous two years. If you believe that our information is
incomplete or inaccurate, you can request that we correct it.
Please note we may not be able to provide information relating
to investigations, claims, litigation, and other matters. We will
be happy to make corrections whenever possible.
Please send requests to:
Allstate Insurance Company Customer Privacy Inquiries
PO Box 660598
Dallas, TX 75266-0598
Sharing Personal Information: Privacy Choices for
California Customers
Unless you request otherwise, we may share your personal
information with one or more Allstate affiliates. We may do
this for a number of reasons, including making you aware of the
different products, services and offers they can provide.
Similarly, unless you request otherwise, we may share your
personal information with outside companies with which we
have a written agreement to jointly offer you products and
services that we believe may be of interest to you.
You have the right to limit some sharing of your personal
information by reviewing and completing an "Important Privacy
Choices for Consumers" form. We've enclosed this form unless
you previously opted to limit some sharing of your personal
information. Please keep in mind that regardless of your
choices, Allstate may share your personal information with its
affiliates, outside companies and other entities to comply with
the law, provide you with the best service on your Allstate
accounts, or as otherwise permitted by law.
We Appreciate Your Business
Thank you for choosing Allstate. We understand your concerns
about privacy and confidentiality, and we hope this notice has
been helpful to you. We value our relationship with you and
look forward to keeping you in Good Handso.
If you have questions or would like more information, please
don't hesitate to contact your Allstate agent or call the Allstate
Customer Information Center at 1-800-ALLSTATE.
We reserve the right to change our Privacy practices,
procedures, and terms.
Allstate Insurance Company
Allstate affiliates to which this notice applies: Allstate County
Mutual Insurance Company, Allstate Finance Company,
Allstate Financial Services, LLC (LSA Securities in LA and PA),
Allstate Fire and Casualty Insurance Company, Allstate
Indemnity Company, Allstate Investment Management
Company, Allstate Life Insurance Company, Allstate Life
Insurance Company of New York, Allstate Motor Club, Inc.,
Allstate New Jersey Insurance Company, Allstate New Jersey
Property and Casualty Insurance Company, Allstate
Northbrook Indemnity Company, Allstate Property and
Casualty Insurance Company, Allstate Texas Lloyd's, Allstate
Texas Lloyd's, Inc., Allstate Vehicle and Property Insurance
Company, Deerbrook General Agency, Inc., Deerbrook
Insurance Company, Lincoln Benefit Life Company, North Light
Specialty Insurance Company.
Please Note: Allstate affiliates American Heritage Life
Insurance Company, Castle Key Insurance Company and
Castle Key Indemnity Company participate in information
sharing with the affiliates listed above, but have a separate
privacy notice for their customers.
(ed. 2/11/2014)
X73497.1
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Renewal Deluxe Homeowners Policy
Declarations
Your policy effective date is August 7, 2022
Total Premium for the Premium Period (Your bill will be mailed separately)
Premium for property insured $898.00
Total $898.00 ]
Your bill will be mailed separately. Before making a payment, please refer to your
latest bill, which includes payment options and installment fee information. If you do
not pay in full, you will be charged an installment fee(s).
Discounts (included in your total premium)
Claim Free $176.00 Home and Auto $99.00
Protective Device $14.00
(Total discount savings $289.00 I
Location of property insured
419 Madison Ct, Gilroy, CA 95020-3641
Rating Information
Please refer to the Important Notice (X73944) for additional coverage information,
and estimated replacement costs for Coverage A and B. Please review and verify the
information regarding your insured property. Contact us if you have any changes.
The dwelling is of frame construction
Dwelling Style:
Built in 1988; 1 family; 1200 sq. ft.
Fire protection details:
Fire department subscription - no 2 miles to fire department
Wildfire Risk Group:
006
Mortgagee
SELECT PORTFOLIO SERVICING INC ITS SUCCESSORS &/OR ASSIGNS
P 0 Box 7277, Springfield, OH 45501-7277
Loan number: 0025767583
Additional Interested Party:
City of Gilroy
7351 Rosanna St, Gilroy, CA 95020-6141
Allstate.
Page 1 of 3
Information as of June 16, 2022
Summary
Named Insured(s)
Pascual G Gasca & Hortencia S Gasca
H/W
Mailing address
419 Madison Ct
Gilroy CA 95020-3641
Policy number
I 099 889 899I
Your policy provided by
Allstate Insurance Company
Policy period
Begins on August 7, 2022 through
August 7, 2023 at 12:01 a.m. Pacific
Time, and continues until cancelled
Premium period
Beginning August 7, 2022 through
August 7, 2023 at 12:01 a.m. Pacific
Time
Your Allstate agency is
Maureen Harris Ins
17200 Monterey #A
Morgan Hill CA 95037
(408) 778-1298
MaureenHarris@allstate.com
Some or all of the information on your
Policy Declarations is used in the rating
of your policy or it could affect your
eligibility for certain coverages. Please
notify us immediately if you believe
that any information on your Policy
Declarations is incorrect. We will make
corrections once you have notified us,
and any resulting rate adjustments, will
be made only for the current policy
period or for future policy periods.
Please also notify us immediately if you
believe any coverages are not listed or
are inaccurately listed.
Renewal Deluxe Homeowners Policy Declarations
Policy number: 1099 889 899J
Policy effective date: August 7, 2022
Coverage detail for the property insured
Coverage
Dwelling Protection - with Building
Structure Reimbursement Extended
Limits*
*150% of the Limit of Liability applicable
to the building structure(s) for Dwelling
Protection
Other Structures Protection
Personal Property Protection -
Reimbursement Provision
Additional Living Expense
Family Liability Protection
Guest Medical Protection
Building Codes
Workers' Compensation and
Employers' Liability Coverage for
Residence Ernployees
► Other Coverages Not Purchased:
• Business Property Protection*
• Business Pursuits*
• Cellular Communication System*
• Electronic Data Processing
Equipment*
• Extended Coverage on Cameras*
* Extended Coverage on Jewelry,
Watches and Furs*
Limits of Liability
$382,553
$38,256
$267,788
Up to 24 months not to exceed $76,511
$100,000 each occurrence
$1,000 each person
$38,256
Statutory/See Form
• Extended Coverage on Musical
Instruments*
• Extended Coverage on Sports
Equipment*
• Fire Department Charges*
• Golf Cart*
• Home Day Care*
• Incidental Office, Private
School Or Studio*
Page 2 of 3
Applicable Deductible(s)
• $250 Wildfire
• $250 All other perils
• $250 Wildfire
• $250 All other perils
• $250 Wildfire
• $250 All other perils
• Increased Coverage on Money*
• Increased Coverage on Securities*
• Increased Silverware Theft Limit*
• Lock Replacement*
• Loss Assessments*
• Satellite Dish Antennas*
* This coverage can provide you with valuable protection. To help you stay current with
your insurance needs, contact your agent to discuss available coverage options and
other products and services that can help protect you.
The limit of liability for this structure (Coverage A -Dwelling Protection) is based on an estimate of the cost to rebuild your home,
including an approximate cost for labor and materials in your area, and specific information that you have provided about your home.
This policy does not cover earth movement including earthquake.
You have elected not to purchase a CEA earthquake policy.
Scheduled Personal Property Coverage
Your policy does not include Scheduled Personal Property Coverage. This coverage can provide you with valuable protection. To
help you stay current with your Insurance needs, contact your agent to discuss available coverage options and other products and
services that can help protect you.
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Renewal Deluxe Homeowners Policy Declarations
Policy number: 1099 8898991
Policy effective date: August 7, 2022
Page 3 of 3
Allstate.
Your policy documents
Your Homeowners policy consists ofthe Policy Declarations and the following documents. Phuasokoepthomtngothnr.
" Deluxe Homeowners Policy -AP2 - California PapadoasDisclosure -ALU4943
" Lender's Loss Payable Endorsement -AU319 " California Deluxe Homeowners Amendatory Endorsement -
AP4482'4
- Amendment of Policy Provisions - AP425
" California Standard Fire Policy Provisions -AP1O83'2
" Building Structure Reimbursement Extended Limits
Endorsement -AP445
" Wildfire Deductible Endorsement -AP4O86
" California Workers' Compensation And Employers' Liability
Coverage For Residence Employees Coverage Form - AP1127
Important payment and coverage
^
Here is some additional, helpful information related to your coverage and paying your bill:
lo- This policy provides building code upgrade coverage for the increased costs of repairing or replacing damage to the insured
dwelling caused by a covered loss because of building ordinances or laws regulating the repair or replacement. Building
code upgrade coverage is provided based on the increased costs associated with building ordinances or laws in effect at the
time ofloss nrrebuilding, uptnthe policy limits for this coverage.
O� Coverage A - Dwelling Protection includes an approximate increase of $23,502 due to the Property Insurance Adjustment
provision using the Marshall Swift Boeckh Publications Building Cost Index. Coverage C - Personal Property Protection
adjusted accordingly.
O� Please note: This iynot urequest for payment. Your bill will hnmailed separately.
Allstate Insurance Company's Secretary and President have signed this policy with legal authority at Northbrook, Illinois.
-
A117-0— 541� 6;<400,4zd,
Thomas ].Wilson
President
Secretary
Susan LLees
Important notices
Policy number: 1099089 8991
Policy effective date: August 7, 2022
Page I of4
Dwelling Profile
Thank you for being anAllstate customer. For your convenience, we're providing you the following information about the
estimated cost to replace your home and your related Dwelling Protection -Coverage A liability limits. We are also providing you
the following information about the estimated cost to replace other structures on your property, including, but not limited to
sheds, guest/granny homes and swimming pools and your related Other Structures P rotecti on -Coverage B liability limits. Please
review and let uyknow |fyou have any questions orconcerns.
Your Dwelling Protection - Coverage Liability Limits
The decision regarding the limit amount applicable to your Dwelling Protection-C overage A is your decision to make, as long as,
at a minimum, you purchase a Coverage A limit equal to the estimated cost as determined by Allstate and do not exceed
maximum coverage limitations established by Allstate (we will let you know if the amount of insurance that you request is
greater than that which wea/|o*).
It is important to keep in mind that the minimum Coverage A limit for which we will insure your property reflects an estimated
replacement cost based on selected data that was available to us when we made this estimate (see below), The actual amount it
will cost to replace your covered property cannot be known until after a covered total loss has occurred, so it is important that
you let us know now, before a covered total loss occurs, if you would like to change your Coverage A limit. Allstate does not
warrant the adequacy nfthe estimate tocover onyfuturu|ona(eo).
Your Other Structures Protection -Coverage B Liability Limits
The enclosed Policy Declarations shows the liability limits that are applicable to Other Structures Protection -Coverage B of your
homeowners insurance policy. Your Coverage B limits reflect our estimated replacement cost, which is based on data that was
available to us when we made this estimate. Please keep in mind that one cannot know the actual amount it will cost to replace
your other structures until after ocovered total loss has occurred.
As an Allstate policyholder, you decide the liability limits that are applicable to your Other Structures -Coverage B. We require
that your limits, at a minimum, equal 10% of the Dwelling Protection Coverage A liability limits, Allstate does not warrant the
adequacy ofthe estimate tocover any future |ums(es).
How IsThe Replacement Cost Estimated?
Many factors can affect the cost to replace your property, or other structures, including age, size, and type of construction. The
estimated replacement cost uses construction data, such as labor and materials cost, that are available to us at the time we
make an estimate. This estimate is also based on characteristics of the property, which include information that you provided to
us. Please note that if you have chosen to insure your dwelling for a limit that is greater than our estimate (which is the minimum
arnount for which we insure your dwelling), the amount shown below actually reflects this higher amount. If you would like to
make any changes tothe Coverage Alimit, please contact us.
Note To Customers Renewing Their Policy
The estimated replacement cost for your property, or other structures, may have changed since your last renewal. This is
because Allstate uses the property characteristics that you have provided to us to recalculate and update the estimated
replacement cost. Using updated labor and material rates for your zip code, Allstate takes the property characteristics that you
have provided and determines the updated estimated replacement cost.
Please note: Your Dwelling Information Is used to estimate your home replacement Cost. It's Important to review and update
this Information smwe're using the most accurate details toestimate your home's rep|mmemnmtvalue.
If the information about your property, or other structures, shown in this document requires any change or if you have any
questions or concerns about the information contained in this Important Notice, please contact your Allstate representative, or
call usat1-80O'ALLSTATEO.
3015OIA-000429-007-0-02-00
Important notices
Policy number: 1099 889 8991
Policy effective date: August 7, 2022
Page 2 of 4
Allstate.
Additional Information About Dwelling Protection Limits
Your policy includes a feature called "Property Insurance Adjustment" (PIA). PIA reflects changes in construction costs in your
area that may have occurred during the policy period.
We would like you to know that your policy's PIA recently indicated that construction costs in your area have increased. Based
on this information, we have automatically increased your Dwelling Protection -Coverage A limits.
However, it is ultimately your responsibility to consider whether the changes we have made are sufficient for your insurance
needs. It is important for you to understand that these are only estimates and the new limits of your policy may not provide
sufficient coverage in the event of a loss. For example, if you have done any remodeling to your home which has not been
updated in our records, your home's replacement cost may be higher than our current records indicate. In that case, you may
want to increase your limits to reflect such changes. Conversely, there is a possibility that your new limits may provide coverage
in excess of the actual replacement cost of your home. For example, if you originally decided to insure your home at an amount
that exceeded the estimated replacement cost, you may want to call your Allstate representative to discuss the current value of
your home and the possibility of lowering your limits.
If you have any questions about PIA, or your policy in general, please contact your Allstate representative.
General Information
Provided by: Allstate Applicant/Named Insured: Pascual G Gasca & Hortencia S Gasca H/W
Prepared by: CoreLogic®, Inc. Policy Number: 099 889 899
Estimate Date: 08/07/2022 Policy Effective Date: August 7, 2022
Property Address: 419 Madison Ct, Gilroy, CA, 95020-3641
Valuation Totals Summary
Disclaimer: Certain information contained within this Important Notice regarding your property was obtained from CoreLogic®,
Inc. You can contact us for a full copy of the CoreLogic®, Inc. report, reflecting the dwelling characteristics utilized for purposes
of the estimate.
Dwelling and Attached Structures Estimate -Coverage A
(includes Dwelling and Attached Structures)
Reconstruction Cost w/ Debris Removal
Other Structures Protection -Coverage B (includes Detached
Structure)
Estimate Selected Limits Cost Data As Of
of Liability 02/01/2022
$377,830 $382,553
Reconstruction Cost w/ Debris Removal $38,256
The estimated replacement cost of your home is the minimum amount for which we will insure your home. The estimate includes the
following costs:
e Labor, Materials and Supplies: $279,052
Important notices
Policy number:
Policy effective date:
1099 889 8991
August 7, 2022
• Demolition and Debris Removal: $14,712
• Contractors Overhead and Profit: $60,520
• Permits and Architects Plans including General Conditions: $23,546
These components display to the dollar.
Building Description
Main Horne
Year Built:1988
Foundation: Slab at Grade, 100%
Number of Families: 1 family Degree of Slope: 0-15 Degrees*
Assumptions based on your foundation type,
Number of Stories:1 story Wall Height 8 ft., 100%
*Finished Living Area:1,200 Site Access: Flat Area/Easy Access Roads
*Total Living Area:1,200 Perimeter Shape: Rectangular Or Slightly Irregular
Construction Type: Standard
*Finished Living Area (FLA) is the total finished floor area of the main home or section. It does not include any built-in
garage area and any finished basement area, or bi-level unfinished lower level area. Finished Living Area is used to
calculate the Total Living Area (TLA), The Total Living Area is the size of the main home plus each section/wing being
entered (in square feet) based upon the exterior dimensions of the home.
Materials
Assumptions are based on the age, style, and location of your home unless specified by the customer.
Foundation Kitchens
• Materials Concrete 100% • Details Kitchen - Builders Grade
• Details Slab at Grade 100% Bathrooms
Exterior Walls • Details Full bath - Builders Grade
• Framing Rafters, Wood with Sheathing 100% Superstructure / Framing
Stud, 2" X 4" 100% • Floor / Ceiling Structure N/A
• Exterior Frame Walls Wood siding 100% • Roof Structure N/A
• Wall Specialties N/A Whole House Systems
Roof • Electrical 200 Amp Service, Standard
• Roof Style/Slope Gable, Slight Pitch 100% • Fire & Burglar Interior Sprinkler Systems
• Roof Shape Simple/Standard 100% Protection
• Roof Cover Asphalt / fiberglass shingle 100% Garages & Carports
Exterior Features • Details Attached Garage, 2 Car
• Windows N/A Attached Structures
• Exterior Doors Atrium door(s) 2 • Details N/A
Page 3 of 4
1
2
100%
100%
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Important notices
Policy number:
Policy effective date:
Partition Walls
• Interior Wall Framing
• Partitions
• Wall Coverings
• Partition Specialties
Ceiling Finish
• Ceilings
Floor Finish
• Floor Cover
Interior Doors
• Details
Heating & Cooling
• Air Conditioning
• Heating
• Heating & AC
Specialties
Interior Features
• Fireplaces
• Electrical Specialties
• Staircases
• Miscellaneous
1099 889 8991
August 7, 2022
Stud, 2" X 4"
Drywall
Paint
N/A
Wood Joists & Sheathing
Drywall
Carpet over Hardwood
(acrylic/nylon)
Vinyl
Door, Hollow Core, Birch
N/A
Fleating - gas
N/A
N/A
N/A
N/A
N/A
100%
100%
100%
100%
100%
85%
15%
12
100%
Page 4 of 4
Detached Structures
• Outbuildings
• Pools & Sports
• Walls & Fences
• Sitework
Allstate.
None Reported
None Reported
None Reported
None Reported
X73944
Policy Endorsement
Policy number: 1099 889 8991
Policy effective date: August 7, 2022
The following endorsement changes your policy.
Please read this document carefully and keep it with your policy.
California
Deluxe Homeowners Amendatory
Endorsement - AP4482-4
This endorsement amends your Deluxe Homeowners Policy and is in addition to
all other amendatory endorsements which apply to this policy.
I. In the Table of Contents, under Section I Conditions, the heading 0ur
Rights To Recover Payment is replaced by Our Rights To Recover Payment
And The Deductible.
II. The General section is amended as follows:
A. Under Definitions Used In This Policy provision, item 1 is replaced
by the following:
1. "You" or "your" —means the person named on the Policy
Declarations as the insured and:
a) that person's resident spouse; or
b) a party who has established with that person a registered
domestic partnership under California state law if a
resident of the same household.
B. The Cancellation provision is replaced by the following:
Cancellation
Your Right to Cancel:
You may cancel this policy by notifying us of the future date you
wish to stop coverage.
Our Right to Cancel:
We may cancel this policy by mailing notice to you at the mailing
address shown on the Policy Declarations. When this policy has been
in effect for less than 60 days, and it is not a renewal with us, we
may cancel this policy for any reason by giving you at least 20 days
notice before the cancellation takes effect, however, if the reason for
cancellation is non-payment of premium or fraud, we may cancel this
policy by giving you at least 10 days notice of cancellation.
When this policy has been in effect for 60 days or more, or if it is a
renewal with us, we may cancel this policy for one or more of the
following reasons:
1. Non-payment of premium;
2. Fraud or material misrepresentation by you or your
representative in obtaining the policy;
3. Fraud or material misrepresentation by you or your
representative in pursuing a claim under this policy;
Page 1 of 7
4. Grossly negligent acts or omissions by you or your
representative which substantially increase any of the hazards
insured against;
5. You have been convicted of a crime and one of the necessary
elements of the crime was an act increasing any hazard insured
against;
6. Physical changes in the insured property resulting in the
property becoming uninsurable; or
7. You have purchased an earthquake policy from the California
Earthquake Authority, and you fail to pay a premium surcharge
authorized by the California Earthquake Authority that is
applicable to that earthquake policy.
If the cancellation is for non-payment of premium, we will mail you
at least 10 days notice. If the cancellation is for any other reason, we
will mail you at least 30 days notice.
Our mailing the notice of cancellation to you will be deemed to be
proof of notice. Coverage under this policy will terminate on the date
and time stated on the cancellation notice. Your return premium, if
any, will be calculated on a pro rata basis and refunded at the time of
cancellation or as soon as possible. However, refund of unearned
premium is not a condition of cancellation.
Our Right Not to Renew or Continue:
We have the right not to renew or continue the policy beyond the
current policy period. If we do not intend to continue or renew the
policy, we will mail you notice at least 75 days before the end of the
policy period. If we fail to mail you notice at least 75 days before the
end of the policy period, your policy will remain in effect for 75 days
from the date the notice is mailed. Our mailing the notice of
non -renewal to you will be deemed to be proof of notice.
C. The Concealment Or Fraud provision is replaced by the following:
Misrepresentation, Fraud Or Concealment
It is understood and agreed that the statements made by any
insured person, or any applicant, in the application for insurance,
during the application process, during the renewal process, or on the
Policy Declarations, are warranties and are incorporated into, and
shall form part of this policy.
This entire policy may be voided from its inception if any warranty
made by any insured person, or any applicant, is found to be false.
We may not provide coverage for any insured person who has
concealed material facts, made fraudulent statements or engaged in
fraudulent conduct in connection with any accident or loss for which
coverage is sought under this policy.
D. The following provisions are added:
Payment
1-43
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Policy endorsement
Policy number:
Policy effective date:
1099 889 8991
August 7, 2022
If your payment of the initial premium amount due is by check, draft,
or any remittance other than cash, such payment is conditional upon
the check, draft, or other remittance being honored upon
presentation. If such check, draft, or remittance is not honored upon
presentation, this policy shall be deemed void from its inception. This
means that we will not be liable under this policy for any claims or
damages which would otherwise be covered had the check, draft, or
remittance been honored upon presentation.
What Law Will Apply
This policy is issued in accordance with the laws of California and
covers property or risks principally located in California. Subject to
the following paragraph, the laws of California shall govern any and
all claims or disputes in any way related to this policy.
If a covered loss to property, or any other occurrence for which
coverage applies under this policy happens outside California, claims
or disputes regarding that covered loss to property, or any other
covered occurrence may be governed by the laws of the jurisdiction
in which that covered Toss to property, or other covered occurrence
happened, only if the laws of that jurisdiction would apply in the
absence of a contractual choice of law provision such as this.
Where Lawsuits May Be Brought
Subject to the following two paragraphs, any and all lawsuits in any
way related to this policy shall be brought, heard and decided only in
a state or federal court located in California. Any and all lawsuits
against persons not parties to this policy but involved in the sale,
administration, performance, or alleged breach of this policy, or
otherwise related to this policy, shall be brought, heard and decided
only in a state or federal court located in California, provided that
such persons are subject to or consent to suit in the courts specified
in this paragraph.
If a covered loss to property, or any other occurrence for which
coverage applies under this policy happens outside California,
lawsuits regarding that covered loss to property, or any other
covered occurrence may also be brought in the judicial district
where that covered Toss to property, or any other covered
occurrence happened.
Nothing in this provision, Where Lawsuits May Be Brought, shall
impair any party's right to remove a state court lawsuit to a federal
court.
III. In Section I —Your Property, the following changes are made:
A. In Other Structures Protection -Coverage B, under Losses We Do
Not Cover Under Coverages A and B, the following changes are
made:
1. Item 15.d) is replaced by the following:
15. d) rust or other corrosion;
Page 2 of 7
Allstate.
2. The following item is added:
24. Mold, fungus, wet rot, dry rot or bacteria. This includes
any Toss which, in whole or in part, arises out of, is
aggravated by or results from mold, fungus, wet rot, dry
rot or bacteria.
This exclusion applies regardless of whether mold, fungus,
wet rot, dry rot or bacteria arises from any other cause of
loss, including but not limited to a loss involving water,
water damage or discharge, which may otherwise be
covered by this policy, except as specifically provided in
Section 1 Conditions, Mold, Fungus, Wet Rot And Dry
Rot Remediation As A Direct Result Of A Covered
Water Loss.
B. In Personal Property Protection -Coverage C, the following
changes are made:
1. Under Limitations On Certain Personal Property, the
following item is added:
15. $ 400 — Theft of compact discs, while
Compact discs are away from the
residence premises. This is the
maximum amount we will pay for an
entire collection.
2. Under Losses We Do Not Cover Under Coverage C, the
following item is added:
16. Mold, fungus, wet rot, dry rot or bacteria. This includes
any loss which, in whole or in part, arises out of, is
aggravated by or results from mold, fungus, wet rot, dry
rot or bacteria.
This exclusion applies regardless of whether mold, fungus,
wet rot, dry rot or bacteria arises from any other cause of
loss, including but not limited to a loss involving water,
water damage or discharge, which may otherwise be
covered by this policy, except as specifically provided in
Section I Conditions, Mold, Fungus, Wet Rot And Dry
Rot Remediation As A Direct Result Of A Covered
Water Loss.
C. Under Additional Protection, the Additional Living Expense
provision is replaced by the following:
1. Additional Living Expense
a) We will pay the reasonable increase in living expenses
necessary to maintain your normal standard of living
when a direct physical loss we cover under Dwelling
Protection -Coverage A, Other Structures
Protection -Coverage B or Personal Property
Protection -Coverage C makes your residence
Policy endorsement
Policy number;
Policy effective date:
1099 889 8991
August 7, 2022
premises uninhabitable. However, additional living
expense clue to remediation of mold, fungus, wet rot or
dry rot will not be paid in addition to any amounts paid or
payable under Section I Conditions, Mold, Fungus, Wet
Rot And Dry Rot Remediation As A Direct Result Of A
Covered Water Loss.
Payment for additional living expense as a result of a
covered Toss under Dwelling Protection -Coverage A,
Other Structures Protection -Coverage B or Personal
Property Protection -Coverage C will be limited to the
least of the following:
1) the time period required to repair or replace the
property we cover, using due diligence and dispatch;
2) if you permanently relocate, the shortest time for
your household to settle elsewhere; or
3) 24 months.
However, if the covered loss that makes your residence
premises uninhabitable relates to a "state of emergency,"
as defined in Section 8558 of the California Govermment
Code and if you acting in good faith and with reasonable
diligence encounter a delay or delays in the reconstruction
process that are the result of circumstances beyond your
control, we will grant an extension of up to 12 additional
months, for a total of 36 months. Circumstances beyond
your control include, but not limited to:
1) Unavoidable construction permit delays;
2) Lack of necessary construction materials; or
3) Lack of available contractors to perform the
necessary work.
We will provide additional extensions of six months if
necessary for good cause for a delay or delays in the
reconstruction process of the dwelling if the covered loss
relates to a "state of emergency." However, in no event
shall our payment for additional living expense exceed 36
months from the time of a covered Toss.
In no event shall our payment for additional living
expenses exceed the Limit Of Liability shown on your
Policy Declarations for Additional Living Expense in a).
b) We will pay your lost fair rental income resulting from a
covered loss under Dwelling Protection -Coverage A,
Other Structures Protection -Coverage B or Personal
Property Protection -Coverage C, less charges and
expenses which do not continue, when a loss we cover
under Dwelling Protection -Coverage A, Other
Structures Protection -Coverage B or Personal
Property Protection -Coverage C makes the part of the
residence premises you rent to others, or hold for rental,
Page 3 of 7
uninhabitable. We will pay for lost fair rental income for
the shortest time required to repair or replace the part
rented or held for rental but not to exceed 12 months.
However, payments for your lost fair rental income
expense due to remediation of mold, fungus, wet rot or
dry rot will not be paid in addition to any amounts paid or
payable under Section I Conditions, Mold, Fungus, Wet
Rot And Dry Rot Remediation As A Direct Result Of A
Covered Water Loss.
c) We will pay the reasonable and necessary increase in
living expenses and the lost fair rental income for up to
two weeks should civil authorities prohibit the use of the
residence premises due to a loss at a neighboring
premises caused by a loss we insure against. However,
payments for increase in living expenses or your lost fair
rental income expense due to remediation of mold, fungus,
wet rot or dry rot will not be paid in addition to any
amounts paid or payable under Section I Conditions,
Mold, Fungus, Wet Rot And Dry Rot Remediation As
A Direct Result Of A Covered Water Loss.
We will provide additional extensions of two weeks if the
civil authority's prohibition of the use of the residence
premises due to a loss at a neighboring premises caused
by a peril we insure against relates to a "state of
emergency" as defined in Section 8558 of the California
Government Code.
However, payments for increase in living expenses or your
lost fair rental income expense due to remediation of
mold, fungus, wet rot or dry rot will not be paid in addition
to any amounts paid or payable under Section I
Conditions, Mold, Fungus, Wet Rot And Dry Rot
Remediation As A Direct Result Of A Covered Water
Loss.
These periods of time are not limited by the termination of this
policy. We do not cover any lost income or expense due to the
cancellation of a lease or agreement.
No deductible applies to this protection.
D. In Section I Conditions, the following changes are made:
1. Under item 5, How We Pay For A Loss, the following changes
are made:
a) The second paragraph in sub -item b) Actual Cash Value is
replaced by the following:
You may make claim for additional payment as described
in paragraph c) and paragraph d) below, if applicable, if
you repair or replace the damaged, destroyed or stolen
Policy endorsement
Policy number:
Policy effective date:
1099 889 8991
August 7, 2022
covered property within 12 months of the actual cash
value payment if the covered loss relates to a "state of
emergency," as defined in Section 8558 of the California
Government Code, you may make claim for additional
payment as described in paragraph c), and paragraph d)
below if applicable, if you repair or replace the damaged,
destroyed or stolen covered property within 36 months of
the actual cash value payment
We will provide additional extensions of six months if
you, acting in good faith and with reasonable diligence,
encounter a delay or delays in the reconstruction process
of the dwelling that are the result of circumstances
beyond your control, and if the covered loss relates to a
"state of emergency" as defined in Section 8558 of the
California Government Code. Circumstances beyond your
control include, but not limited to:
1) Unavoidable construction permit delays;
2) Lack of necessary construction materials; or
3) Lack of available contractors to perform the
necessary work.
b) Sub -item c) Building Structure Reimbursement is replaced
by the following:
c) Building Structure Reimbursement. Under Dwelling
Protection -Coverage A and Other Structures
Protection -Coverage B, we will make additional
payment to reimburse you for cost in excess of
actual cash value if you repair, rebuild or replace
damaged, destroyed or stolen covered property
within 12 months of the actual cash value payrnent. If
the covered loss relates to a "state of emergency," as
defined in Section 8558 of the California Government
Code, we will make additional payment under
Dwelling Protection -Coverage A and Other
Structures Protection -Coverage B to reimburse
you for cost in excess of actual cash value if you
repair, rebuild or replace damaged, destroyed or
stolen covered property within 36 months of the
actual cash value payment.
We will provide additional extensions of six months
if you, acting in good faith and with reasonable
diligence, encounter a delay or delays in the
reconstruction process of the dwelling that are the
result of circumstances beyond your control, and if
the covered loss relates to a "state of emergency" as
defined in Section 8558 of the California Government
Code. Circumstances beyond your control include,
but not limited to:
1) Unavoidable construction permit delays;
Page 4of7
Allstate.
2) Lack of necessary construction materials; or
3) Lack of available contractors to perform the
necessary work.
This additional payment includes the reasonable and
necessary expense for treatment or removal and
disposal of contaminants, toxins or pollutants as
required to complete repair or replacement of that
part of a building structure damaged by a covered
loss. This additional payment shall not include any
amounts which may be paid or payable under
Section I Conditions, Mold, Fungus, Wet Rot And
Dry Rot Remediation As A Direct Result Of A
Covered Water Loss, and shall not be payable for
any losses excluded in Section I —Your Property,
under Losses We Do Not Cover Under Coverages
A and B, item 24.
Building Structure Reimbursement will not exceed
the smallest of the following amounts:
1) the replacement cost of the part(s) of the
building structure(s) for equivalent
construction for similar use on the same
premises;
2) the amount actually and necessarily spent to
repair or replace the damaged building
structure(s) with equivalent construction for
similar use on the same residence premises;
or
3) the limit of liability applicable to the building
structure(s) as shown on the Policy
Declarations for Dwelling
Protection -Coverage A or Other Structures
Protection -Coverage B, regardless of the
number of building structures and structures
other than building structures involved in the
loss.
If you replace the damaged building structure(s) at
an address other than shown on the Policy
Declarations through construction of a new structure
or purchase of an existing structure, the limit of
liability shall not exceed the amount payable to
repair, rebuild or replace the insured structure(s) at
their original location under Building Structure
Reimbursement described above.
Building Structure Reimbursement payment will be
limited to the difference between any actual cash
value payment made for the covered Toss to building
structures and the smallest of 1), 2) or 3) above.
Policy endorsement
Policy number: 1099 889 8991
Policy effective date: August 7, 2022
Building Structure Reimbursement will not apply to:
1) property covered under Personal Property
Protection -Coverage C;
2) property covered under Other Structures
Protection -Coverage B that is not a building
structure; or
3) land.
In the event of a covered Toss relating to a "state of
emergency," as defined in Section 8558 of the
Government Code, if the Limits of Liability shown on
the Policy Declarations for Dwelling
Protection -Coverage A are insufficient to repair,
rebuild or replace damaged, destroyed or stolen
property covered under Dwelling
Protection -Coverage A, then you shall be
permitted to combine the Limits of Liability shown
on the Policy Declarations for Dwelling
Protection -Coverage A and Other Structures
Protection -Coverage B.
If you combine the limits of liability, any payment
made for Dwelling Protection -Coverage A will
reduce the limit of liability for Dwelling
Protection -Coverage A until that limit is
exhausted.
If you combine the limits of liability and the limit of
liability for Dwelling Protection -Coverage A is
exhausted, then any additional payments made for
Dwelling Protection -Coverage A or Other
Structures Protection -Coverage B will reduce the
limit of liability for Other Structures
Protection -Coverage B until the Other Structures
Protection -Coverage B limit of liability is
exhausted.
Additionally, depreciation will not be withheld for
property covered under Dwelling
Protection -Coverage A that qualifies for
replacement cost under Building Structure
Reimbursement.
c) The first paragraph in sub -item d) Personal Property
Reimbursement is replaced by the following:
d) Personal Property Reimbursement. When the Policy
Declarations shows that the Personal Property
Reimbursement provision applies under Personal
Property Protection -Coverage C, we will make
additional payment to reimburse you for cost in
excess of actual cash value if you repair, rebuild or
replace damaged, destroyed or stolen covered
Page 5 of 7
personal property or wall-to-wall carpeting within 12
months of the actual cash value payment, If the
covered loss relates to a "state of emergency," as
defined in Section 8558 of the California Government
Code, we will make additional payment under
Personal Property Protection -Coverage C to
reimburse you for cost in excess of actual cash value
if you repair, rebuild or replace damaged, destroyed
or stolen covered personal property or wall-to-wall
carpeting within 36 months of the actual cash value
payment.
We will provide additional extensions of six months
if you, acting in good faith and with reasonable
diligence, encounter a delay or delays in the
reconstruction process of the dwelling that are the
result of circumstances beyond your control, and if
the covered loss relates to a "state of emergency" as
defined in Section 8558 of the California Government
Code. Circumstances beyond your control include,
but not limited to:
1) Unavoidable construction permit delays;
2) Lack of necessary construction materials; or
3) Lack of available contractors to perform the
necessary work.
d) The following is added:
In the event of a covered total loss to your furnished
residence premises, which is related to a "state of
emergency," as defined in Section 8558 of the California
Government Code, we will offer additional payment up to
an amount equal to 30% of the limit of liability of your
residence premises, but no more than a maximum of
$250,000, without an itemization of the damaged,
destroyed or stolen covered personal property. This does
not increase your limit of liability under Personal
Property Protection -Coverage C.
2. Item 10, Our Rights To Recover Payment, is replaced by the
following:
10. Our Rights To Recover Payment And The Deductible
When we pay for any loss, an insured person's right to
recover from anyone else becomes ours up to the amount
we have paid as well as the insured person's applicable
insurance deductible shown on the Policy Declarations.
We retain the right to recover the amount we have paid,
and the insured person expressly assigns us the right to
recover the amount of the applicable insurance deductible
shown on the Policy Declarations through the disposition
Policy endorsement
Policy number:
Policy effective date:
1099 889 8991
August 7, 2022
of such demand whether through litigation or otherwise. If
a recovery is made, we will reimburse all or a portion of
the deductible to the insured person.
The insured person may have a right to recover losses in
excess of their deductible for losses not covered by the
policy. We are not obligated to pursue the recovery of
losses not paid pursuant to the policy and will not do so
absent an additional, separate written agreement.
An insured person must protect these rights and help us
enforce them. You may waive your rights to recover
against another person for loss involving the property
covered by this policy. This waiver must be in writing prior
to the date of loss.
3. Item 17, Property Insurance Adjustment, is replaced by the
following:
17. Property Insurance Adjustment
When the Policy Declarations indicates that the Property
Insurance Adjustment condition applies, you agree that, at
each policy anniversary, we may increase the limit of
liability shown on the Policy Declarations for Dwelling
Protection -Coverage A to reflect the minimum amount
of insurance coverage we are willing to issue for the
succeeding premium period under Dwelling
Protection -Coverage A for your dwelling and other
property we cover under Dwelling Protection -Coverage
A.
Any adjustment in the limit of liability for Dwelling
Protection -Coverage A will result in an adjustment in
the limit of liability for Other Structures
Protection -Coverage B and Personal Property
Protection -Coverage C in accordance with our manual
of Rules and Rates.
Any adjustment in premium resulting from the application
of this condition will be made based on premium rates in
use by us at the time a change in limits is made.
We will not reduce the limit of liability shown on the
Policy Declarations without your consent. You agree that
it is your responsibility to ensure that each of the limits of
liability shown on the Policy Declarations are appropriate
for your insurance needs. If you want to increase or
decrease any of the limits of liability shown on the Policy
Declarations, you must contact us to request such a
change.
4. The following item is added:
Page 6of7
Allstate.
19. Mold, Fungus, Wet Rot And Dry Rot Remediation As
A Direct Result Of A Covered Water Loss
In the event of a covered water loss under Dwelling
Protection -Coverage A, Other Structures
Protection -Coverage B or Personal Property
Protection -Coverage C, we will pay up to $5,000 for
mold, fungus, wet rot or dry rot remediation.
Remediation means the reasonable and necessary
treatment, removal or disposal of mold, fungus, wet rot or
dry rot as required to complete repair or replacement of
property we cover under Dwelling Protection -Coverage
A, Other Structures Protection -Coverage B or
Personal Property Protection -Coverage C damaged by
a covered water loss, including payment for any
reasonable increase in living expenses necessary to
maintain your normal standard of living if mold, fungus,
wet rot or dry rot makes your residence premises
uninhabitable. Remediation also includes any
investigation or testing to detect, measure or evaluate
mold, fungus, wet rot or dry rot.
This Condition does not increase the limits of liability
under Dwelling Protection -Coverage A, Other
Structures Protection -Coverage B or Personal
Property Protection -Coverage C.
IV. In Section II —Family Liability And Guest Medical Protection, the
following changes are made:
A. In Family Liability Protection -Coverage X, under Losses We Do
Not Cover Under Coverage X, the following changes are made:
1. Item 1.a) is replaced by the following:
a) such insured person lacks the mental capacity to govern
such insured person's conduct;
2. Item 15 is replaced by the following:
15. We do not cover any liability an insured person assumes
under any contract or agreement. We will not cover any
contract or agreement in connection with a business of an
insured person or any loss assessments levied against an
insured person by an association of dwelling owners of
which the insured person is a member.
3. Items 17 and 18 are added:
17. We do not cover bodily injury or property damage
which, in whole or in part, arises out of, is aggravated by
or results from mold, fungus, wet rot, dry rot or bacteria.
18. We do not cover any liability irnposed upon any insured
person by any governmental authority for bodily injury
Policy endorsement
Policy number:
Policy effective date:
1099 889 8991
August 7, 2022
or property damage which, in whole or in part, arises out
of, is aggravated by or results from mold, fungus, wet rot,
dry rot or bacteria.
B. In Guest Medical Protection -Coverage Y, under Losses We Do
Not Cover Under Coverage Y, the following changes are made:
1. Item 1.a) is replaced by the following:
a) such insured person lacks the mental capacity to
govern such insured person's conduct;
2. Item 14 is added:
14. We do not cover bodily injury which, in whole or in
part, arises out of, is aggravated by or results from
mold, fungus, wet rot, dry rot or bacteria.
V. In Section III —Optional Protection, under Optional Coverages
You May Buy, item 1 is replaced by the following:
1. Building Codes -Coverage BC
We will pay up to 10% of the amount of insurance on the Policy
Declarations under Dwelling Protection -Coverage A to
comply with local building codes after covered loss to the
dwelling when repair or replacement results in increased cost
due to the enforcement of any building codes, ordinances or
laws regulating the construction, reconstruction, maintenance,
repair or demolition of the dwelling.
All other policy terms and conditions apply.
The following endorsement changes your policy.
Please read this document carefully and keep it with your policy.
California
Paperless Disclosure - AU14943
This disclosure form applies to policyholders who have elected to conduct
business with Allstate electronically.
The option to transact business electronically with Allstate and its affiliate
companies is voluntary. Records which may be delivered to you electronically
upon your consent to electronic delivery include all documents, notices and
correspondence related to your insurance policy, premium payments (billing)
and claims. You can unenroll your policies from electronic delivery, or update
your email address on file, by changing your paperless settings/contact
information in your Allstate account accessible via www.allstate,com/myaccount
or by calling 1-800-ALLSTATE.
Page 7 of 7
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Important notices
Policy number: 1099 889 8991
Policy effective date: August 7, 2022
Important Information Regarding Your
Policy's Wildfire Deductible
This notice provides general information about the circumstances
under which a Wildfire deductible applies to your property
insurance policy. For detailed information about this deductible and
your insurance coverage, please read this notice, your policy
including, but not limited to, your Policy Declarations, the Wildfire
Deductible Endorsement and any other applicable endorsements. If
there is any conflict between the policy and this notice, the
provisions of the policy shall prevail.
The Wildfire deductible is the amount you agree to pay in the
event of covered loss caused by a wildfire.
The Wildfire deductible will be shown on your Policy
Declarations, and will apply to the total of all losses covered
under the Dwelling Protection, Other Structures Protection,
and/or Personal Property Protection coverages in your policy.
We will pay for a covered loss to which the Wildfire deductible
applies only when the amount of that loss exceeds your
Wildfire deductible. We will then pay only the amount that
exceeds your deductible. Your Wildfire deductible is equal to,
and cannot be greater or less than, the All Other Perils
deductible shown on your Policy Declarations.
Please note that deductible(s) other than the Wildfire
deductible, shown on your enclosed Policy Declarations, may
apply to covered losses to which the Wildfire deductible does
not apply, unless your policy specifies otherwise.
If the Wildfire deductible is calculated as a percentage of the
Dwelling Protection coverage limit, the deductible amount will
change accordingly if the Dwelling Protection coverage limit
changes for any reason, including, for example:
• you change your Dwelling Protection coverage limit; or
• due to the application at renewal of the policy's Property
Insurance Adjustment provision, if applicable, which may
automatically increase your Dwelling Protection coverage
limit as described in the policy.
If you have any questions about the information provided with
this insert, your current Wildfire deductible, or your coverage
in general, please call your Allstate agent or representative or
call us at 1-800 ALLSTATE® (1-800-255-7828).
XC3802-1
Notice Of Changes To Your
Homeowner's Policy
Page 1 of 6
Allstate,
From time to time Allstate will revise your coverage. We've
included an Amendatory Endorsement in this mailing package
that changes parts of your contract. Please read this
endorsement and keep it with your Homeowner's policy.
We're also providing you with the following summary. We
hope you find it informative and useful, but keep in mind that
it's not part of your contract. Always reference your policy
documents for your exact coverage details.
If you have any questions about this notice or your policy
coverage, you can contact your Allstate Agent or
representative, call 1-800 ALLSTATE® (1-800-255-7828), or
visit www.allstate.com. We're here to help!
Summary of Changes
In Section I —Your Property, the following changes are made:
• Under Additional Protection, the Additional Living
Expenses provision has been updated. We will provide
additional extensions of two weeks if the civil authority's
prohibition of the use of the residence premises due to a
loss at a neighboring premises caused by a peril we insure
against relates to a "state of emergency" as defined in
Section 8558 of the California Government Code.
However, payments for increase in living expenses or your
lost fair rental income expense due to remediation of mold,
fungus, wet rot or dry rot will not be paid in addition to any
amounts paid or payable under Section I Conditions, Mold,
Fungus, Wet Rot And Dry Rot Remediation As A Direct
Result Of A Covered Water Loss.
• In Section 1 Conditions, under How We Pay For A Loss, the
following changes are made:
• Under sub -item c) Building Structure Reimbursement,
we have removed the sentence that stated, "The
amount payable under Building Structure
Reimbursement described above does not include the
value of land associated with replacement
structure(s)."
This means that Building Structure Reimbursement
now includes the value of land associated with
replacement structure(s).
• The following has been added:
In the event of a covered total loss to your furnished
residence premises, which is related to a "state of
emergency," as defined in Section 8558 of the
Important notices
Policy number:
Policy effective date:
10998890991
California Government Code, wwwill offer additional
payment uptoanamount equal tn3096ofthe limit of
liability ofyour residence premises, but nomore than o
maximum nf$25O,0D0,without anitemization nfthe
damaged, destroyed orstolen covered personal
property. This does not increase your limit ofliability
under Personal Property Protection -Coverage C.
|nSection III —Optional Protection, under Optional Coverages
You May Buy, tinder the Building Codes provision, due to
recent California law changes, Building Codes -Coverage BC
will nolonger boconsidered anoptional coverage. Your base
policy coverage now includes Building Codes -Coverage BC,
The limit ofliability applying toBuilding Codes -Coverage 0Cis
uptn1096ofthe Dwelling Protection -Coverage ALimit of
Liability indicated onyour Policy Declarations.
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Insurance
Most homeowners, renters and commercial insurance policies
donot provide coverage for flood damage, |nfact, protection
against floods ixgenerally available only through oseparate
policy.
That's why Allstate isaparticipant |nthe National Flood
Insurance Program (NF|P)andofferyatondardf!nod|nouronce
puUdos.°Aflood insurance policy can help complete the
insurance protection for your property and help protect your
financial well-being.
You May Have More Risk from Flood Than You
Think
Approximately 9Dpercent ofall disasters /nthe U.3.are flood
related. While you may think that itcouldn't happen toyou,
over 2Spercent 0fall flood losses occur |nlow- b)
moderato'riokmrewn.
What's more, flood damage |yoften accompanied bvother
damage, such aowind and hail (which iutypically covered
under aproperty pnUcy).3oifyou purchase your NF|P
coverage through Allstate, you would have the convenience
and peace ufmind that comes with working with just one claim
adjuster and one agent, instead uftwo ormore for mflood
Flood Coverage Is Affordable
The federal government sets the rates for flood insurance, so
there's typically nodifference inrates from policy topolicy.
You can switch toanNF|Pflood insurance policy administered
Page 2 of 6
byAllstate for the same amount of premium you may be paying
elsewhere. Ifyou choose Allstate, you can have the quality
service you've come toexpect from us.
For more information about flood insurance, orifyou have any
questions about your policy ingeneral, please contact your
Allstate representative n/visit umataUatate.cnm.
*Allstate provides the standard flood insurance policy under the terms ofthe
National Flood Insurance Act of 1968 and its amendments, and Title 44 of the
Code vfFederal Regulations. The standard flood insurance policy iowritten by
Allstate for the National Flood Insurance Program which is administered by the
Federal Insurance Administration, part vf the Federal Emergency Management
Agency.
Subject mavailability and qualifications. Other terms, conditions and exclusions may
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����"�"�""""�" Protection �"�" Your Most
Valuable Possessions
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Property insurance covers many belongings, but some items
may require higher coverage limits than those |nestandard
property policy.
Scheduled Personal Property (SPP)coverage gives you
additional protection against loss ordamage toyour valuables.
It's protection not typically provided with standard property
coverage. SPPbenefits typically include:
* Nndeductibles tn moot
* Coverage for lost urdamaged items
* Coverage for valuables kept inastorage location outside
your home
Items That May Need the Extra Protection
SPPcoverage provides protection for onarray ofvaluable
personal property. Here are some ofthe items you can protect
bypurchasing SPPcoverage through Allstate:
w Jewelry (including wedding rings and precious ur
semi-precious stones)
* Fury
• Cameras (digital, still, movie, video and related
equipment)
* Silverware and antiques (including furniture)
* Musical instruments
* Collections (stampa,coins, music)
w Fine art works (including paintings, etchings, vases and
sculptures)
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Important notices
Policy number:
Policy effective date:
10998898991
* Manuscripts or books
~ Homo-nffiCaequipment (laptnp,computer, aud|u/visua|)
* Sports equipment (such amgolf clubs)
Affordable Protection for Your Valuables
The cost ofSPPcoverage varies, but the value nfyour property
isthe best way todetermine how much coverage you need.
The rates are generally usmall percentage ofthe total value nf
the items you're insuring. This means that your valuables are
being protected for only ufraction ofthe cost.
Regularly Review Your SPP Coverage
Even ifyou currently have SPPcoverage, it's ogood idea tn
review |tannually. It's possible that the value ofyour property
has changed orthat you've purchased new items that have not
been added toyour coverage.
Tolearn more about SPPcoverage, orifyou have any questions
about your insurance policy |ngeneral, contact your Allstate
representative, orvisit usotm||otato.cum.
X73169
Notice of Right to Designate a Third
Party
VVewant you tuknow that you have the right tndesignate one
additional individual toreceive copies ofany coverage
termination notices that vvemay issue ifyou fail -to pay the
required premium when due. You also have the right tnreplace
the individual you previously designated orterminate the third
party designation entirely. This third party will not receive
copies nfyour regular billing statements orany other
documents for your policy.
How to start, change or end a third party
designation
Toadd, change orremove othird party simply contact your
Allstate Agent orrepresentative toreceive acopy ofaThird
Party Designation form. After you return the form with the
name and address ofthe designee nrany changes you wish to
make, *owill process your request.
Additionally, wowill notify you annually ofyour right to
designate mthird party. |fyou have already designated athird
party and donot wish tomake any changes, you donot need to
do anything.
If you have questions
Page 3 of 6
Allstate.
Please contact your Allstate Agent orrepresentative, orcall uy
at1'80O-ALLSTATE(1'800'265-7828)ifyou have any
questions or would like more information.
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Insurance
Please contact your Allstate representative if you have any
questions mrconcerns about your insurance. Ifwproblem
arises that you and your Allstate representative are unable te
resolve satisfactorily, please call wrwrite to:
Allstate Customer Service
PO Box 660598,Dallas, TX 75266'0598
1~000-ALLSTATE,'(1^800^255^7828)
If the problem remains unresolved, you may contact the
California Department pfInsurance at:
Consumer Services Division
California Department ofInsurance
300 South Spring Street, Los Angeles, CA 90013
Consumer Hotline., 1-800^927^4357
Wmbmitm:
http://-wwVJ0isurme.cm^0ov/01~cN—n-smgrm/1-01--bekp/)ud,Dn
.dm
Please contact the Department ofInsurance only lfyou have
been unable tpsatisfactorily resolve the problem with your
Allstate representative and with Allstate.
X3380.6
Information About Axxa^U8%bUe Discounts
On Your Allstaterty Insurance
The premium for your property insurance policy iudetermined
based onavariety nffactors, including information you have
given us. |tisimportant that you notify umifthe information
upon which your premium |sbased |yincorrect nrincomplete,
uothat womay adjust your premium accordingly.
Allstate has several property insurance discounts available for
which you may qualify. Please note that the particular
discounts available vary depending nnthe type ofproperty
policy you have. Below |smlisting ofthese discounts, including
abrief description nfeach, Any discounts you are currently
receiving are listed onthe enclosed Policy Declarations,
Important notices
Policy number:
Policy effective date:
099 889 8991
August 7, 2022
If you have questions about whether you may qualify for any
of the following discounts, please contact your Allstate agent
in order to discuss your possible eligibility.
AGE OF HOME/RENOVATED HOME DISCOUNT
You may be eligible for a discount on the Fire, Water, Liability,
Wind, and All Other premium components of your
Homeowners policy if your home is nine years of age or less, or
if it is older than 10 years old but has been completely
renovated, and all of the renovations were completed less than
10 years ago. Complete renovation includes the installation of
roofing, plumbing, electrical and heating and cooling systems
by a licensed contractor. The amount of the discount ranges
between 1 and 52.5 percent and varies depending on the age of
your home.
FIRE RESISTIVE DISCOUNT
You may be eligible for a 15% discount on your Fire, Wildfire,
and Fire Following Earthquake premium components of your
Homeowners policy if your home is made of fire resistive or
fireproof construction, such as brick or masonry.
SS AND RETIRED DISCOUNT
You may be eligible for a 5.1% to 20.3% discount on your
Renters policy or on the Fire, Water, Liability, Wind, and All
Other premium components of your Homeowners policy if:
❑ one of the Named Insured(s) on your policy is age 55 or
older, and
❑ both the Named Insured and spouse, or registered
domestic partner, are not gainfully employed full time or
seeking full time gainful employment, and
❑ if the insured premises with Allstate is your principal place
of residence,
HOME AND AUTO DISCOUNT
You may be eligible for a discount of 7.9% to 19% on your
Renters policy or on the Fire, Water, Liability, Wind, and All
Other premium components of your Homeowners policy if:
❑ the Named Insured or spouse, or registered domestic
partner, are also the named insured on an Allstate
Northbrook Indemnity Company, Allstate Insurance
Company, Allstate Indemnity Company or Allstate
Property and Casualty Insurance Company auto policy in
California, and
❑ the insured premises is the principal residence of the
Named Insured.
PROTECTIVE DEVICE DISCOUNT
You may be eligible for a discount of 5% to 15% on your
Renters policy or on the Fire and All Other premium
components of your Homeowners policy if your insured
premises is equipped with certain protective devices, such as:
❑
0
Page 4 of 6
smoke detectors, fire extinguishers and dead bolt locks on
all exterior doors, or
a burglar alarm or fire alarm which reports directly to a
central reporting station or directly to the police or fire
departments, or
a complete sprinkler system throughout your home.
The amount of the discount varies depending on how many and
what types of devices are installed in your insured premises.
Additionally, a discount is offered on Renters policies in
buildings that have certain 24 hour manned security.
CLAIM FREE DISCOUNT
You may be eligible for a discount of 31.4% to 38,6% on the
Water, Wind, and All Other premium components of your
Horneowners policy if the Named Insured or spouse, or
registered domestic partner, has maintained a qualifying
property policy for the required amount of time, depending on
the policy, and have been claim free for 3 to 5 years. The
discount varies depending on the type of policy maintained
with Allstate Insurance Company or Allstate Indemnity
Company.
HOME BUYER DISCOUNT
You may be eligible for a 4% to 20% discount on the Fire,
Water, Liability, Wind, Wildfire, Fire Following Earthquake and
All Other premium components of your Homeowners policy if
you are the original owner of your home and the date that the
Allstate policy becomes effective is within 12 months of the
date the home was purchased. This discount is available to
homes purchased on or after September 1, 2000.
FULL-TIME OCCUPANCY DISCOUNT
You may be eligible for a discount of approximately 15% on
your Renters policy premium if the dwelling in which you reside
regularly has an adult presence twenty-four hours a day.
This notice provides only a general description of the
qualifications and conditions for each discount. Other
qualifications and conditions may apply. Therefore, for
complete details on discount qualifications and conditions, or if
you think you may qualify for a discount, please contact your
Allstate Agent.
X66450-6
Dear Customer,
We'd like to remind you that damage caused by an earthquake
is not covered by your Allstate property insurance policy. As
required by California law, you are now being offered optional
insurance against damage caused by an earthquake. Please
Important notices
Policy number:
Policy effective date:
1099 809 8991
read the following state -required information regarding
optional earthquake insurance:
Your residential property insurance policy does not cover
earthquake damage tpyour home mrits contents.
Tocover earthquake damage twyour home and its contents
you need tmpurchase aseparate earthquake Insurance policy.
The coverage provided byanearthquake Insurance policy |s
different from, and typically more limited than, the coverage
provided by your residential property insurance policy.
California law requires insurance companies tmoffer
earthquake insurance inconjunction with aresidential
property insurance policy. Uf you donot accept the offer wt
earthquake insurance below within 30 days wfthe mailing of
this notice, your insurance company shall presume that you
have not accepted this offer pfearthquake insurance.
You may purchase earthquake insurance coverage on the
following terms:
(A) Amount ufDwelling/Building Coverage Limit:
$382'553.00
(B) Deductible: $19,127.00
(C) Contents Coverage Limits: $9,@00.00
(0`) Additional Living Expenses Coverage Limit: $1,500.00
M Estimated Annual Premium- $1,581.00
The deductible represents the amount wt damage your
covered property must incur before the earthquake insurance
coverage begins. Ufyour covered loss 1mless than the
applicable deductible, you may not receive any payment.
If you choose not tmaccept this offer within the 30^dmy
period, you may apply for earthquake coverage mtslater date.
Your insurance company contracts with the California
Earthquake Authority (CEA)twoffer earthquake insurance tn
its customers. For mnadditional premium, you can choose
CEAcoverage options such mmhigher limits for Contents mr
Additional Living Expenses, increased building code upgrade
limits, mrmlower deductible. You can also choose tmbuy
certain CEAcoverages separately.
Contact your insurance agent oryour insurance company to
obtain details regarding this offer wfearthquake insurance
and other coverage options.
Page 5 of 6
Allstate.
DEDUCTIBLE
|fyou purchase earthquake insurance from the California
Earthquake Authority (CEA),nopayment will bemade for a
loss covered under any coverage ofthe CEApolicy (except
Loss CfUse-Coverage D),including, but not limited to,
Dwelling -Coverage /\ and Personal Prnpedy-Coverage C,until
the amount ufthe loss covered under Dwelling -Coverage A
exceeds the deductible shown nnthe Declarations page. The
CEAwill then pay the amount nfthe covered loss that exceeds
the deductible, uptothe applicable limit ofinsurance and
subject tothe other policy terms and conditions. This means,
for example, that even though you may incur msubstantial
personal property loss, nupayment will hemode for that loss
unless and until the amount ofthe covered dwelling damage and
obhorcuvareddomogeunderDwellino-CowmroAmAoxcoedxbhe
deductible amount, Loss toexcluded oruncovered property will
not boincluded inthe calculation of -the deductible.
\fthe deductible amount exceeds the covered
replacement/repair cost under Dwell inQ-CoverugoA,no
payment will bemade for mloss covered under either
Dwelling -Coverage Ao/Personal Pro perty-[overage [. For o
detailed explanation Vfhow the deductible applies, please read
the policy.
Please note that nndeductible applies toLoss Df
Use -Coverage D.
OPTIONAL COVERAGES ARE AVAILABLE FOR ALL POLICY
TYPES
Please keep inmind that supplemental coverage options are
available toCEApolicyholders. These coverage options,
available for anadditional premium, allow CEApolicyholders tn
increase the insurance limits for Personal Prope rty-[overage C
and Loss OfUse-Coverage D(additional living nxponoam).For
example, oCEApolicyholder may have Coverage Cand
Coverage Dlimits under aCEApolicy of:
w Personal Property -Coverage [$5,O00
w Additional Living Expenses (Loss ofUso)-CovnrnDnD
$1,500
However, aCEApolicyholder can raise these limits my
indicated below:
* Personal overage Cotlimits uf$2S0O0,
$50,000,$75i000$100,000,$150,000,or
$200,000
w Additional Living Expenses (Loss ofUnn)-CnvarageD
$10,800,$16,080,$25,000,$58,000,$7E,000,or
$100,000
Important notices
Policy number:
Policy effective date:
1099 889 8991
|naddition, the following deductible options are available tn
CEABasic Earthquake Policy —Homeowners Choice
policyholders and tnCEABasic Emdhquoke--Homeovvuer
Policyholders: 596,l096,1596,2O%,and 259h.
OPTIONAL COVERAGES ARE AVAILABLE FOR COMMON
INTEREST DEVELOPMENT POLICIES
|fthe CEACommon Interest Development Earthquake Policy b
selected, the CEAoffers other optional coverages (besides
Personal Property -Coverage Cand Loss DfUse-Coverage O)
for anadditional premium. These include Building
Pro party-Coverage Aand Loss Assess mant-[overage E.Loss
Assessment Coverage pays your share ufacovered
assessment charged against you byoproperty owners
association. The assessment has tnresult from direct loss tn
the property owned hyall association members and caused by
an earthquake.
All coverage iosubject tnpolicy terms and conditions. |fyou
would like additional information about any ofthe optional
coverages mentioned above, including opremium quote,
please contact your Allstate Agent.
Please note that Allstate has elected tuparticipate inthe
California Earthquake Authority (CEA).This means that, |fyou
choose tupurchase earthquake insurance, your earthquake
insurance policy will baprovided 6vthe California Earthquake
Authority and not 6vAllstate, Allstate and your Allstate
representative are authorized hurepresent the California
Earthquake Authority, You are not required topurchase
earthquake insurance; however, /fyou dnwant topurchase a
California Earthquake Authority policy, please call your Allstate
Agent orcall 1-80O'ALLSTATE(1O0O-Z55-7828).
California Earthquake Authority
Allstate Insurance Company and
Allstate Indemnity Company are
California Earthquake Authority
participating insurers.
X73631 (01~2016 edition)
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.-~°~.�� ^~n ~~"nou�f���$ ~~~ Your ~~.+"uxe
Homeowners .omeowners Policy
O�m`U"
cy
We've included aCalifornia Puper|aomDisclosure form inthis
mailing package. Please read this form and keep itwith your
Deluxe Homeowners policy.
We're also providing you with the following summary. VVa
hope you find itinformative and useful, but keep inmind that
Page 6 of 6
it's not part vfyour contract. Always reference your policy
documents for your exact coverage details.
|fyou have any questions, we're here hohelp, Visit our Help
Center |nthe AUstmte®Rmobile aPporaUstato.cum/ha|p.
Summary of Changes
* The option tntransact business electronically with Allstate
and its affiliate companies |uvoluntary. VVomay deliver tn
you electronically all documents, notices and
co/respondencena|mtodtoyour|naurancepoUcy,pnam}um
payments (b|||inR)and claims.
p You may choose tounenro||your policies from electronic
delivery, orupdate your email address onfile, bychanging
your papedasssettings and/or contact information |nyour
Allstate account accessible via
ywwaUstete.00lD/mya-J2xunt
orbycalling 1-8O0-ALLSTATE.