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HomeMy WebLinkAboutCOI - Pascual G Gasca - Expires 2022-06-16Q)Allstatex You're in good hands. Allslafe Insurance Company PO Box 660598 Dallas, TX 75266-0598 �II���I��LII�I���I���I��JIII��II���I�IIIIIIJ��III�I�h�ll�lll� City of Gilroy 7351 ROSANNA ST GILROY CA 95020-6196 Policy number: 099 889 899 Transaction: Renewal ADDITIONAL THIRD PARTY Slake Ins Agcy Inc 449 LeavesleyRd C& Gilmy CA 96020-3634 "'I'�I�Ilml�llln�l""'I��I�I�'ll'�'�I�I�I�II�IILuIIdIL� PASCUAL G GASCA & HORTENCIA S GASCA H/W 419 MADISON CT GILROY CA 95020-3641 Notice: About your Deluxe Homeowners policy renewal Q)Allstate, You're in good hands. Information as of June 16, 2021 Policyholder(s) Page 1 of 3 Pascual G Gasca & Hortencia 5 Gasca H/W Polic number 099 889 899 Your Allstate agency is Blake Ins Agcy Inc (408) 848-3800 MikeB]ake@allstate.com Thank you for choosing Allstate. We're writing to you so that you're aware of changes we've made to your Deluxe Homeowners policy from Allstate. What's changing? The dwelling information used to determine the estimated replacement cost of your home was updated with new or corrected characteristics. These characteristics were obtained through various means such as a prior inspection, public sources, and/or policy change(s) made by your agent. Your updated dwelling characteristics may include, but are not limited to, atrium windows, kitchens, baths, detached structures, and/or other characteristics that may impact the estimated replacement cost. If the new estimated replacement cost has increased, it may have impacted your Dwelling Protection -Coverage A limits. Coverage A provides coverage for the structure of the dwelling. This may have affected your premium. If the new estimated replacement cost has been reduced, you may want to consider lowering your Deluxe Homeowners coverage limits by adjusting the Dwelling Protection limits under Coverage A which provides coverage for the structure of the dwelling. Please keep in mind that one cannot know the actual amount it will cost to replace your home until after a covered total loss has occurred. As an Allstate policyholder, you decide the liability limits that are applicable to your Dwelling Protection -Coverage A. We do require that your limits, at a minimum, equal our estimated replacement cost and do not exceed the maximum coverage limitations we established. Allstate does not warrant the adequacy of the estimate to cover any future losses. (continued) B2017 IN Policy number: 1099889 899 Policy effective date: August 7, 2021 Page 2 of 3 Please Note: There are additional protections under the policy that have coverage amounts which are derived based on a percentage of the limit under Coverage A. What happens next? Please review your renewal materials. It is important to review the Rating Information to help ensure the dwelling characteristics are accurate. Your amended Policy Declarations provide a detailed list of the coverages, coverage limits and coverage costs for your Deluxe Homeowners policy. Questions? Please contact your Allstate Agent, Blake Ins Agcy Inc at (408) 848-3800 if you have identified any inaccuracies in the Rating Information section in your Policy Declarations or would like a copy of your inspection report. We're here to help with any questions you may have. Sincerely, Blake Ins Agcy Inc Your Allstate Agent RP747 0 O N 0 0 N O O CO rn N O O Q O n O 00 %0 'T 0 00 N a � rq 0 0aU O ;z 000 O N 01 Policy number: 099 88 8899 Policy effective date: August 7, 2021 Your Insurance Coverage Checklist Q)Allstate. You're in good hands. Page 3 of 3 We're happy to have you as an Allstate customer! This checklist outlines what's in this package and provides answers to some basic questions, as well as any "next steps" you may need to take. ❑ What's in this package? See the guide below for the documents that are included. Next steps: review your Policy Declarations to confirm you have the coverages, coverage limits, premiums and savings that you requested and expected. Read any Endorsements or Important Notices to learn about new policy changes, topics of special interest, as well as required communications. Keep all of these documents with your other important insurance papers. ❑ What about my bill? Unless you've already paid your premium in full, we'll send your bill separately. Nextsteps: please pay the minimum amount by the due date listed on it. You can also pay your bill online at allstate.com or by calling1-800-ALLSTATE (1-800-255-7828). Para espanol, Ilamar al 1-800-979-4285. If you're enrolled in the Allstatec Easy Pay Plan, we'll send you a statement detailing your payment withdrawal schedule. ❑ Am I getting all the discounts I should? ❑ What if I have questions? Confirm with your Allstate Agent that you're benefiting You can either contact your Allstate Agent or call us 24/7 from all the discounts you're eligible to receive. at 1-800-ALLSTATE (1-800-255-7828) - para espanol, Ilamar al 1-800-979-4285 - with questions about your coverage, or to update your coverages, limits, or deductibles. Or visit us online at allstate.com. A guide to your renewal package - -- - - s mod 7ple Policy Policy Important Insurance Made Declarations` Endorsements Notices Simple The Policy If changes are We use these Insurance seem Declarations made to your notices to call complicated? lists policy policy, these attention to Our online details, such as documents will particularly guides explain your property include your new important coverage terms details and contract coverages, policy and features: coverages. language. changes and wwwallstatecom/ discounts. madesimole Esoanol.allstate com ' /facildeentender To make it easier to see where you may have gaps in your protection, we've highlighted any coverages you do not have in the Coverage Detail section in the enclosed Policy Declarations. Lt Policy number: 099 889 899 Policy effective date: August 7, 2021 Page 1 of 1 WAllstate .. You're in good hands. 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 Rights 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 or services. Your Choices Restrict Information Sharing With Companies We Own or Control (Affiliates): 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 to you. ❑ NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services. Time Sensitive Reps 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 to provide products and services. TO USE THIS FORM, PLEASE PROVIDE ALL OF THE FOLLOWING INFORMATION TO ALLOW US TO PROCESS YOUR REQUEST: Name: Pascual G Gasca & Hortencia S Gasca H/W ACCOUNT OR POLICY NUMBER(S): 099 889 899 Signature: To exercise your choices do one of the following: (1) Call our toll -free number1-800-856-2518; (2) Fax our toll -free number 1-855-219-7425; or (3) Fill out, sign and send back this form to us using the envelope provided (you may want to make a copy for your records). X73499v2 B20/7 m 0 T T U V m Renewal Deluxe Homeowners Policy Declarations Policy number: 1099 889 899 Policy effective date: August 7, 2021 Coverage detail for the property insured Coverage ---- — - Limits of Liability Dwelling Protection - with Building $359,051 Structure Reimbursement Extended Limits' *150% of the Limit of Liability applicable to the building structure(s) for Dwelling Protection Other Structures Protection $35,906 Personal Property Protection - Reimbursement Provision Additional Living Expense Family Liability Protection Guest Medical Protection Workers' Compensation and Employers' Liability Coverage for Residence Employees ® 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* $251,336 --- - -- Applicable Deductible(s) ----- - • $250 Wildfire --------- • $250 All other perils • $250 Wildfire • $250 All other perils • $250 Wildfire _ • $250 All other perils Up to 24 months not to exceed $71,811 $100,000 each occurrence $1,000 each person 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 • 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 on estimate of the cost to rebuild your home, including an approximate cost for labor and materials in your area, and specific information that you hove provided about your home. THIS POLICYDOES NOT INCLUDE BUILDING CODE UPGRADE COVERAGE. 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. IT11 ao r O p c Or` go r p C 00 C 3 N C I Renewal Deluxe Homeowners Policy Declarations Policy number: 1099889 899 Policy effective date: August 7, 2021 Your policy documents Page 3of3 Allstate.,. You're in good hands. Your Homeowners policy consists of the Policy Declarations and the following documents. Please keep them together, • Deluxe Homeowners Policy - AP2 • California Deluxe Homeowners Amendatory Endorsement - AP2237 • Lender's Loss Payable Endorsement - AU319 • California Deluxe Plus And Deluxe Homeowners Policy Amendatory Endorsement - AP29-5 • Amendment of Policy Provisions - AP425 • California Deluxe Homeowners Amendatory Endorsement - AP4482-3 • California Standard Fire Policy Provisions - AP1862-2 • Additional Mortgagee Endorsement - AU273 • Marijuana Amendatory Endorsement - AVP504 • Building Structure Reimbursement Extended Limits Endorsement - AP445 • Wildfire Deductible Endorsement - AP4886 • California Workers' Compensation And Employers' Liability Coverage For Residence Employees Coverage Form - AP1127 Important payment and coverage information Here is some additional, helpful information related to your coverage and paying your bill: ► Coverage A - Dwelling Protection includes an approximate increase of $28,052 due to the Property Insurance Adjustment provision using the Marshall Swift Boeckh Publications Building Cost Index. Coverage C - Personal Property Protection adjusted accordingly. ► Please note: This is not a request for payment. Your bill will be mailed separately. Allstate Insurance Company's Secretary and President have signed this policy with legal authority at Northbrook, Illinois. Thomas J. Wilson President LK Susan L. Lees Secretary B2on Important notices Policy number: 1099 889 899 Policy effective date: August 7, 2021 Dwelling Profile Page 1 of 4 Thank you for being an Allstate 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 Protection -Coverage B liability limits. Please review and let us know if you have any questions or concerns. Your Dwelling Protection -Coverage A Liability Limits The decision regarding the limit amount applicable to your Dwelling Protection -Coverage 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 we allow). 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 of the estimate to cover any future loss(es). 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 a covered 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 of the estimate to cover any future loss(es). How Is The 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 amount for which we insure your dwelling), the amount shown below actually reflects this higher amount. If you would like to make any changes to the Coverage A limit, 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 so we're using the most accurate details to estimate your home's replacement value. 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 us at 1-800-ALLSTATE T. Nr 00 M Tr 'T O Q O > n OD O - ID 00 0 Important notices Policy number: Policy effective date: 0998 ,202 WAllstate. August 7021 Page 2 of 4 You're in good hands. 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 maybe 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: CoreLogicO, Inc. Policy Number: 099 889 899 Estimate Date: 08/07/2021 Policy Effective Date: August 7, 2021 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 CoreLogice', Inc. You can contact us for a full copy of the CoreLogic®, Inc. report, reflecting the dwelling characteristics utilized for purposes of the estimate. Estimate Selected Limits Cost Data As Of of Liability 02/01/2021 Dwelling and Attached Structures Estimate -Coverage A (includes Dwelling and Attached Structures) Reconstruction Cost w/ Debris Removal $354,328 $359,051 Other Structures Protection -Coverage B (includes Detached Structure) Reconstruction Cost w/ Debris Removal $35,906 The estimated replacement cost of your home is the minimum amount for which we will insure your home. The estimate includes the following costs: • Labor, Materials and Supplies: $261,869 B207/ Important notices Policy number: 1099 889 899 Policy effective date: August 7, 2021 o Demolition and Debris Removal: $13,805 • Contractors Overhead and Profit: $56,754 o Permits and Architects Plans including General Conditions: $21,900 These components display to the dollar. Building Description Main Home Year Built:1988 Number of Families:1 family Number of Stories:1 story 'Finished Living Area:1,200 'Total Living Area:1,200 Construction Type: Standard Foundation: Slab at Grade, 100% Degree of Slope: 0-15 Degrees; Assumptions based on your foundation type. Wall Height: 8 ft.,100% Site Access: Flat Area/Easy Access Roads Perimeter Shape: Rectangular Or Slightly Irregular '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. Page 3 of 4 Foundation Kitchens • Materials Concrete 100% • Details Kitchen - Builders Grade 1 • Details Slab at Grade 100% Bathrooms Exterior Walls • Details Full bath - Builders Grade 2 • 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 100% • Roof Style/Slope Gable, Slight Pitch 100% . Fire & Burglar Interior Sprinkler Systems 100% • Roof Shape Simple/Standard 100% Protection • Roof Cover Asphalt / fiberglass shingle 100% Garages & Carports Exterior Features • Details Attached Garage, 2 Car 1 • Windows N/A Attached Structures • Exterior Doors Atrium door(s) 2 • Details N/A Iq� 00 N O rq O 0 a V 0>c 0Z;= 000 oNa Important notices Policy number: Policy effective date: August 7, 202 889 1 QA11state.Page 4 of 4 02 You're in good hands. Partition Walls • Interior Wall Framing Stud, 2" X 4" • Partitions Drywall • Wall Coverings Paint • Partition Specialties N/A Ceiling Finish • Ceilings Wood Joists & Sheathing Drywall Floor Finish • Floor Cover Carpet over Hardwood Interior Doors • Details Heating & Cooling • Air Conditioning • Heating • Heating & AC Specialties Interior Features • Fireplaces • Electrical Specialties • Staircases • Miscellaneous (acrylic/nylon) Vinyl Door, Hollow Core, Birch N/A Heating - gas N/A N/A N/A N/A N/A Detached Structures 100% • Outbuildings None Reported 100% • Pools & Sports None Reported 100% • Walls & Fences None Reported • Sitework None Reported 100% 100% 85% 15% 12 100% X73944 B2m7 a Important notices Policy number: 1099889899 Policy effective date: August 7, 2021 Bmportant 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: o you change your Dwelling Protection coverage limit; or o 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 ALLSTAT&"' (1-800-255-7828). XC3802-1 Notice of Changes to Your Policy Page 1 of b 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 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! If you have contacted Allstate to discuss the cancellation or nonrenewal and remain unsatisfied, you may have the matter reviewed by the California Department of Insurance. You may contact the California Department of Insurance Hotline toll free at 1800 927-4357, the department's internet website, www.insurance.ca.gov, and the mailing address of the department's Consumer Services Division, 300 S. Spring Street, Los Angeles, CA 90013. Summary of Changes In the General section, under Cancellation, Our Right Not to Continue or Renew, we have increased the time in which we are required to provide notice to you that we do not intend to continue or renew your policy from 45 to 75 days. XC7205 What You Should Know About Flood Insurance Most homeowners, renters and commercial insurance policies do not provide coverage for flood damage. In fact, protection against floods is generally available only through a separate policy. That's why Allstate is a participant in the National Flood Insurance Program (NFIP) and offers standard flood insurance policies.* A flood insurance policy can help complete the insurance protection for your property and help protect your financial well-being. You May Have iViore Risk from Flood Than You Think IT 00 so O > rn 00 O %0 O_ O 0 N Important notices Policy number: 099 889 899 Policy effective date: August 7, 2021 Approximately 90 percent of all disasters in the U.S. are flood related. While you may think that it couldn't happen to you, over 25 percent of all flood losses occur in low- to moderate -risk areas. What's more, flood damage is often accompanied by other damage, such as wind and hail (which is typically covered under a property policy). So if you purchase your NFIP coverage through Allstate, you would have the convenience and peace of mind that comes with working with just one claim adjuster and one agent, instead of two or more for a flood claim. Flood Coverage Is Affordable The federal government sets the rates for flood insurance, so there's typically no difference in rates from policy to policy. You can switch to an NFIP flood insurance policy administered by Allstate for the same amount of premium you may be paying elsewhere. If you choose Allstate, you can have the quality service you've come to expect from us. For more information about flood insurance, or if you have any questions about your policy in general, please contact your Allstate representative or visit us at allstate.com. Allstate provides the standard flood insurance policy under the terms of the National Flood Insurance Act of 1968 and its amendments, and Title 44 of the Code of Federal Regulations. The standard flood insurance policy is written by Allstate for the National Flood Insurance Program which is administered by the Federal Insurance Administration, part of the Federal Emergency Management Agency. Subject to availability and qualifications. Other terms, conditions and exclusions may apply. X73168 Additional Protection for Your Most Valuable Possessions Property insurance covers many belongings, but some items may require higher coverage limits than those in a standard property policy. Scheduled Personal Property (SPP) coverage gives you additional protection against loss or damage to your valuables. It's protection not typically provided with standard property coverage. SPP benefits typically include: • No deductibles to meet • Coverage for lost or damaged items Coverage for valuables kept in a storage location outside your home Page 2 of 6 WAllstate, You're in good hands. Items That May Need the Extra Protection SPP coverage provides protection for an array of valuable personal property. Here are some of the items you can protect by purchasing SPP coverage through Allstate: • Jewelry (including wedding rings and precious or semi-precious stones) • Furs • Cameras (digital, still, movie, video and related equipment) • Silverware and antiques (including furniture) • Musical instruments • Collections (stamps, coins, music) • Fine art works (including paintings, etchings, vases and sculptures) • Manuscripts or books • Home -office equipment (laptop, computer, audio/visual) • Sports equipment (such as golf clubs) Affordable Protection for Your Valuables The cost of SPP coverage varies, but the value of your property is the best way to determine how much coverage you need. The rates are generally a small percentage of the total value of the items you're insuring. This means that your valuables are being protected for only a fraction of the cost. Regularly Review Your SPP Coverage Even if you currently have SPP coverage, it's a good idea to review it annually. It's possible that the value of your property has changed or that you've purchased new items that have not been added to your coverage. To learn more about SPP coverage, or if you have any questions about your insurance policy in general, contact your Allstate representative, or visit us at allstate.com. X73169 Notice of Right to Designate a Third Party We want you to know that you have the right to designate one additional individual to receive copies of any coverage termination notices that we may issue if you fail to pay the required premium when due. You also have the right to replace the individual you previously designated or terminate the third party designation entirely. This third party will not receive ¢ton Important notices Policy number: 1099889899 Policy effective date: August 7, 2021 Page 5 of 6 If you choose not to accept this offer within the 30-day DEDUCTIBLE period, you may apply for earthquake coverage at a later date. If you purchase earthquake insurance from the California Your insurance company contracts with the California Earthquake Authority (CEA) to offer earthquake insurance to its customers. For an additional premium, you can choose CEA coverage options such as higher limits for Contents or Additional Living Expenses, increased building code upgrade limits, or a lower deductible. You can also choose to buy certain CEA coverages separately. Contact your insurance agent or your insurance company to obtain details regarding this offer of earthquake insurance and other coverage options. Earthquake Authority (CEA), no payment will be made for a loss covered under any coverage of the CEA policy (except Loss Of Use -Coverage D), including, but not limited to, Dwelling -Coverage A and Personal Property -Coverage C, until the amount of the loss covered under Dwelling -Coverage A exceeds the deductible shown on the Declarations page. The CEA will then pay the amount of the covered loss that exceeds the deductible, up to the applicable limit of insurance and subject to the other policy terms and conditions. This means, for example, that even though you may incur a substantial personal property loss, no payment will be made for that loss unless and until the amount of the covered dwelling damage and other covered damage under Dwelling -Coverage A exceeds the deductible amount. Loss to excluded or uncovered property will not be included in the calculation of the deductible. If the deductible amount exceeds the covered replacement/repair cost under Dwelling -Coverage A, no payment will be made for a loss covered under either Dwelling -Coverage A or Personal Property -Coverage C. For a detailed explanation of how the deductible applies, please read the policy. Please note that no deductible applies to Loss Of Use -Coverage D. OPTIONAL COVERAGES ARE AVAILABLE FOR ALL POLICY TYPES Please keep in mind that supplemental coverage options are available to CEA policyholders. These coverage options, available for an additional premium, allow CEA policyholders to increase the insurance limits for Personal Property -Coverage C and Loss Of Use -Coverage D (additional living expenses). For example, a CEA policyholder may have Coverage C and Coverage D limits under a CEA policy of: • Personal Property -Coverage C $5,000 • Additional Living Expenses (Loss of Use) -Coverage D $1, 500 However, a CEA policyholder can raise these limits as indicated below: Personal Property -Coverage C at limits of $25,000, $50,000, $75,000, $100,000, $150,000, or $200,000 Additional Living Expenses (Loss of Use) -Coverage D $10,000, $15,000, $25,000, $50,000, $75,000, or $100, 000 IT 00 M Op O > n 00 O O 0 N Important notices Policy number: 099 889 899 Policy effective date: August 7, 2021 In addition, the following deductible options are available to CEA Basic Earthquake Policy —Homeowners Choice policyholders and to CEA Basic Earthquake —Homeowner Policyholders: 5%,10%,15%, 20%, and 25%. OPTIONAL COVERAGES ARE AVAILABLE FOR COMMON INTEREST DEVELOPMENT POLICIES If the CEA Common Interest Development Earthquake Policy is selected, the CEA offers other optional coverages (besides Personal Property -Coverage C and Loss Of Use -Coverage D) for an additional premium. These include Building Property -Coverage A and Loss Assessment -Coverage E. Loss Assessment Coverage pays your share of a covered assessment charged against you by a property owners association. The assessment has to result from direct loss to the property owned by all association members and caused by an earthquake. All coverage is subject to policy terms and conditions. If you would like additional information about any of the optional coverages mentioned above, including a premium quote, please contact your Allstate Agent. Please note that Allstate has elected to participate in the California Earthquake Authority (CEA). This means that, if you choose to purchase earthquake insurance, your earthquake insurance policy will be provided by the California Earthquake Authority and not by Allstate. Allstate and your Allstate representative are authorized to represent the California Earthquake Authority. You are not required to purchase earthquake insurance; however, if you do want to purchase a California Earthquake Authority policy, please call your Allstate Agent or call 1-800-ALLSTATE (1 800-255-7828). California Earthquake Authority Allstate Insurance Company and Allstate Indemnity Company are California Earthquake Authority participating insurers. X73631 (01-2016 edition) Page 6 of 6 Q)Allstate, You're in good hands. B2071 CERTIFICATE OF LIABILITY INSURANCE ISSUE DATE 108104 M/Oo 2021/08104 BROKER This certificate is issued as a matter of information only and confers no rights 900 595 Bay Street, Ste 900 Toronto, ON MSG 2E3 O HUB International HKMB Limited PHONE: 416-597-0008 FAX: 416597-2313 upon the certificate holder and Imposes no liability on the Insurer. This certificate does not amend, extend or alter the coverage afforded by the policies helow. Company A Liberty Mutual Insurance Company Company HUB B Company C INSURED'S FULL NAME AND MAILING ADDRESS Softchoice Corporation 173 Dufferin Street, Suite 200 Toronto, ON M6K 2H7 Canada Company D Company E COVERAGES This is to certify that the policies of insurance listed below have been issued to the insured named above for the policy period indicated notwithstanding any requirements, terms or conditions of any contract or other document with respect to which this certificate may be issued or may pertain. The insurance afforded by the policies described herein is subject to all terms, exclusions and conditions of such policies. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS TYPE OF INSURANCE CO LTR POLICY NUMBER EFFECTIVE DATE YYYY/MM/0D EXPIRY DATE YYYY/MM/DD LIMITS OF LIABILITY Canadian dollars unless Indicated otherwise COMMERCIAL GENERAL LIABILITY ❑ CLAIMS MADE p PKGTOA614ZT20 ALL LIMITS IN 2021/08/04 2022/08/04 EACH OCCURRENCE $ 1,000,000 GENERAL AGGREGATE $ 10,000,000 ❑X OCCURRENCE ❑X PRODUCTS AND/OR COMPLETED OPERATIONS USD PRODUCTS-COMP/OP AGGREGATE $ 1.000,000 PERSONAL INJURY $ 1,000,000 EMPLOYER'S LIABILITY $ 1,000,000 ❑X PERSONAL INJURY ❑X EMPLOYER'S LIABILITY ® TENANT'S LEGAL LIABILITY ❑X NON -OWNED AUTOMOBILE TENANTS LEGAL LIABILITY S 1,000,000 NON -OWNED AUTOMOBILE $ 1,000,000 HIRED AUTOMOBILE $ 50,000 ❑X HIRED AUTOMOBILE AUTOMOBILE LIABILITY BODILY INJURY ❑ DESCRIBED AUTOMOBILES PROPERTY DAMAGE $ ❑ ALL OWNED AUTOMOBILES ❑ LEASED AUTOMOBILES •• GARAGE LIABILITY ❑ ❑ COMBINED BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE $ ^AUADTONOBILaS LEASED W excess or . DAYS WHERE THE INSURED IS REQUIRED TO PROVIDE WSURANCE EXCESS LIABILITY ❑ UMBRELLA FORM EACH OCCURRENCE $ AGGREGATE $ ❑ OTHER THAN UMBRELLA FORM OTHER (SPECIFY) $ DESCRIPTION OF OPERATIONSILOCATIONSIAUTOMOBILESISPECIAL ITEMS TO WHICH THIS CERTIFICATE APPLIES (but only with respect to the operations of Me Named insured) CERTIFICATE HOLDER CANCELLATION Should any of the above described policies be cancelled before the expiration date thereof, the issuing company will endeavor to mail 30 days written notice to the certificate holder named to the left, but failure to mail such notice shall impose no obligation or liability of any kind upon the company, IN agents or representatives. AUTHORIZED REPRESENTATIVE City Gilroy 7351 Rosanna Street Gilroy, CA 95020 Per: Page 1 of 1 VX7Y7W90 CERTIFICATE OF LIABILITY INSURANCE ISSUE DATEvvy0/MM/oD 2021108I04 BROKER This certificate is issued as a matter of information only and confers no rights upon the certificate holder and Imposes no liability on the Insurer. This 900 595 Bay Street, Ste 900 Toronto, ON M5G 2E3 O HUB International HKMB Limited PHONE: 416.597.0008 FAX: 416-597.2313 certificate does not amend, extend or alter the coverage afforded by the policies below. Company A Liberty Mutual Insurance Company Company HUB B Company C INSURED'S FULL NAME AND MAILING ADDRESS Softchoice LP 173 Dufferin Street, Suite 200 Toronto, ON M6K 21-17 Canada Company D Company E COVERAGES This Is to certify that the policies of insurance listed below have been issued to the insured named above for the policy period indicated notwithstanding any requirements, terms or conditions of any contract or other document with respect to which this certificate may be issued or may pertain. The insurance afforded by the policies described herein is subject to all terms, exclusions and conditions of such policies. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS TYPE OF INSURANCE CO POLICY NUMBER EFFECTIVE DATE EXPIRY DATE _ LIMITS OF LIABILITY LTR YYYY/MM/DD YYWMIM/DD Canadian dollars unless fndieated otherwise) COMMERCIAL GENERAL LIABILITY ❑ CLAIMS MADE A PKGTOAB14ZT20 ALL LIMITS IN 2021/08/04 2022/08/04 EACH OCCURRENCE $ 1,000.000 GENERAL AGGREGATE $ 10.000,000 ❑X OCCURRENCE ❑X PRODUCTS AND/OR COMPLETED OPERATIONS X❑ PERSONAL INJURY ❑X EMPLOYER'S LIABILITY ® TENANT'S LEGAL LIABILITY ❑X NON -OWNED AUTOMOBILE USD PRODUCTS - COMP/OP AGGREGATE $ 1,000,000 PERSONAL INJURY $ 1,000,000 EMPLOYER'S LIABILITY $ 1,000,000 TENANTS LEGAL LIABILITY $ 1,000,000 NON -OWNED AUTOMOBILE $ 1,000,000 HIRED AUTOMOBILE $ 50,000 © HIRED AUTOMOBILE AUTOMOBILE LIABILITY ❑ DESCRIBED AUTOMOBILES ❑ ALL OWNED AUTOMOBILES ❑ LEASED AUTOMOBILES" BODILY INJURY PROPERTY DAMAGE COMBINED $ BODILY INJURY (Per person) $ ❑ GARAGE LIABILITY ❑ ALL AUTOMOBILES LEASED IS EXCESS OF 30 DAYS MERE THE INSURED IS REQUIRED TO PROVME ISSURANGE BODILY INJURY (Peraccident) $ PROPERTY DAMAGE $ EXCESS LIABILITY ❑ UMBRELLA FORM EACH OCCURRENCE $ AGGREGATE $ ❑ OTHER THAN UMBRELLA FORM OTHER (SPECIFY) $ $ $ $ DESCRIPTION OF OPERATIONS/LOCATIONS/AUTOMOBILES/SPECIAL ITEMS TO WHICH THIS CERTIFICATE APPLIES (but only MUT respect to Me operations of Me Named Insured) City of Gilroy is added as Additional Insured to the Commercial General Liability Policy but only with respect to vicarious liability arising out of the operations of the Named Insured. CERTIFICATE HOLDER CANCELLATION Should any of the above described policies be cancelled before the expiration date thereof, the issuing company will endeavor to mail 30 days written notice to the certificate holder named to the left, but failure to mail such notice shall impose no obligation or liability of any kind upon the company, its agents or representatives. AUTHORIZED REPRESENTATIVE City of Gilroy 7351 Rosanna Street Gilroy, CA 95020 Per: Page 1 of 2 P8AGWJCB AGENCY CUSTOMER ID: LOC #: ADDITIONAL REMARKS SCHEDULE PRODUCER INSURED HUB Intemational HKMB Limited Saftchoice LP POLICY NUMBER CARRIER I NAIC CODE ISSUE DATE: 08/04/2021 ADDITIONAL REMARKS PROFESSIONAL/CYBER LIABILITY Claims Made Policy Form Policy #: TITOAB15M3001 Carrier: Liberty Mutual Insurance Policy Term: August 4, 2021 - August 4, 2022 Currency: USD Maximum Single Limit: $10,000,000 Maximum Policy Aggregate Limit: $10,000,000 Technology Errors and Omissions Liability: $10,000,000 Each Claim/Aggregate Cyber, Privacy, Network Security Liability: $10,000,000 Each Claim / Aggregate * Regulatory Proceedings: $5,000,000 Each Claim/Aggregate * Payment Card Loss: $250,000 Each Claim/Aggregate Electronic, Social & Printed Media Liability: $10,000,000 Each Claim / Aggregate First Party Coverage: Cyber Incident Response Team: $5,000,000 Each Cyber Incident/Aggregate Business Interruption Loss & Extra Expenses: $5,000,000 Each Cyber Incident/Aggregate Contingent Business Interruption Loss & Extra Expenses: $5,000,000 Each Cyber Incident/Aggregate Digital Data Recovery: $5,000,000 Each Cyber Incident/Aggregate Network Extortion Threat: $5,000,000 Each Cyber Incident/Aggregate ETROACTIVE DATE: OCTOBER 21,2007 PENDING OR PRIOR PROCEEDINGS DATE: OCTOBER 21, 2007 EDUCTIBLE $250,000 Page 2 of 2 CERTIFICATE NUMBER: P8AGWJCB