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Unformatted text preview: AMERICAN STANDARD INSURANCE COMPANY OF OHIO 5905 IRON GATE TRCE CUMMING GA 30040-5801 February 12, 2018 WILLIAM PRENTICE 6204 LAKEFIELD PL JOHNS CREEK GA 30097-2372 Regarding your Renters Policy for your property at: 6204 Lakefield Pl Johns Creek GA 30097-2372 We appreciate your business Important policy information enclosed Policy number 41028-43216-61 Billing account number 654-170-625-09 Next payment of $24.86 Due 04/01/2018 Since 1927, American Family Insurance has made it our business to give our customers peace of mind by providing excellent customer service and financial protection. To help you become better acquainted with your new property insurance, we have enclosed your declarations page, policy, endorsements, special notices and a copy of your original application describing the protection you have purchased. Please review these items carefully. As a reminder, your next payment of $24.86 will be due on 04/01/2018. Thank you for placing your trust in American Family. We will work hard to ensure your satisfaction and peace of mind. If you have questions about this information, please contact your agent listed below or call us at 1-800-MY AMFAM (1-800-692-6326). AMERICAN STANDARD INSURANCE COMPANY OF OHIO Your American Family Agent is: Jessica Marie Praskovich 5905 IRON GATE TRCE CUMMING GA 30040-5801 LR 00 05 08 17 Agent phone: 1-678-965-3463 E-mail: [email protected] Page 1 of 1 41028-43216-61 Declarations Renters Policy Please read your policy American Standard Insurance Company of Ohio 6000 American Parkway Madison WI 53783 Named Insured(s) William Prentice 3405 Sweetwater Rd Apt 313 Lawrenceville, GA 30044 Policy Information Policy number 41028-43216-61 For customer service and claims service 24 hours a day, 7 days a week 1-800-MY AMFAM (1-800-692-6326) amfam.com Policy period 2/1/2018 to 2/1/2019 Billing account number 654-170-625-09 Total premium with discounts applied $298.32 Total premium if paid in full $277.44 Discounts Applied to this Policy Fire Alarm System Discount These discounts reduced your total premium by $8.82 Residence Premises Information Location 3405 Sweetwater Rd Apt 313 30044 Residence use Primary Residence Residence type Single Family Dwelling Section I - Property Coverage Limit need for print $15,000 Coverage C - Personal Property Broad Named Perils Coverage D - Loss Of Use Additional Coverage Building Additions And Alterations Fungi Or Bacteria $4,500 $1,000 $5,000 Section II - Liability Coverage Coverage E - Personal Liability Dangerous Dog And Exotic Animal Liability Coverage F - Medical Expense Per Occurrence Limit $100,000 $25,000 $2,000 Deductible(s) Amount Property Deductible Named Storm Deductible $1,000 $1,500 Policy Forms and Endorsements Form or Endorsement Name(s) Number HO 80 04 01 14 Renters Form AL 00 04 05 17 American Family Mutual Insurance Company, S.I. Amendatory Endorsement HO 81 11 01 15 Georgia Amendatory Endorsement HO 86 03 01 15 Dangerous Dog And Exotic Animal Liability Limit HO 85 07 09 17 Marijuana Growing and Processing Exclusion Endorsement HO 04 90 01 14 Personal Property Replacement Cost Coverage HO 04 16 01 14 Premises Alarm Or Fire Protection System HO 80 14 09 17 Page 1 of 2 Index: GA 41028-43216-61 Endorsement Details Endorsement Name Dangerous Dog And Exotic Animal Liability Limit Limit $25,000 Premium No Charge Important Information Amounts of insurance: Please review the coverage amount on your personal belongings. We recommend you have at least an amount equal to the estimated cost to replace your personal belongings. Your insurance agent can help you select the coverage amount that best suits your needs. Creating an inventory of your belongings can also help you estimate their value. Visit for more information about renters insurance and our free, Web-based home inventory tool, DreamVault. Damage caused by flooding: This policy does not cover damage to your property caused by flooding. Flood insurance is available for properties within communities that participate in the National Flood Insurance Program (NFIP). The NFIP is a federally backed flood insurance program, which is administered by Federal Emergency Management Agency (FEMA), a federal government agency. American Family Insurance is a participating insurance carrier of the NFIP Write-Your-Own program. If your community participates in the NFIP, your American Family agent can assist you in obtaining flood insurance through the NFIP. Not all communities participate in the NFIP. However, flood insurance may still be available even if you do not live in a participating community. Contact your American Family Insurance agent or visit floodsmart.gov. Agent Information Jessica Marie Praskovich 5905 IRON GATE TRCE CUMMING GA 30040-5801 1-678-965-3463 [email protected] Declarations are effective on the date shown. These declarations form a part of this policy and replace all other declarations which may have been issued previously for this policy. If these declarations are accompanied by a new policy, the policy replaces any which may have been issued before with the same policy number. AUTHORIZED REPRESENTATIVE HO 80 14 09 17 President Secretary Page 2 of 2 Index: GA 41028-43216-61 AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I. AMENDATORY ENDORSEMENT A. When used in the policy, the words American Family Mutual Insurance Company now means American Family Mutual Insurance Company, S.I. B. The following provision is added: 1. MEMBERSHIP AND VOTING While this policy is in force, each insured named in the Declarations is considered an owner or policyholder and a member of the American Family Insurance Mutual Holding Company (AFIMHC) of Madison, Wisconsin. As a member, you are entitled to one vote at all meetings either in person or by proxy. You can only cast one vote regardless of the number of policies or coverage you purchased. If two or more persons qualify as a member under a single policy, they are considered one member for purposes of voting. The owner of a group policy will have one vote regardless of the number of persons insured or coverage purchased. Fractional voting is not allowed. If you are a minor, any vote will be given to your parent or legal guardian. 2. ANNUAL MEETINGS The Annual Meetings are held at the Home Office: 6000 American Parkway, Madison, Wisconsin, on the first Tuesday of March at 2:00 P.M. Central Standard Time. Notice in this policy shall be sufficient notification. 3. DIVIDENDS If any dividends are declared, you will share in them according to law and under conditions set by the Board of Directors. All other terms, agreements, conditions, and provisions remain unchanged. AL 00 04 05 17 Page 1 of 1 Index: GA 41028-43216-61 RENTERS FORM TABLE OF CONTENTS POLICY......................................................................... 1 CONDITIONS..............................................................12 AGREEMENT................................................................1 HOW WE SETTLE LOSSES.......................................14 DEFINITIONS................................................................1 SECTION II - LIABILITY COVERAGE.........................14 Coverage E - Personal Liability..............................14 Coverage F - Medical Expense..............................14 SECTION I - PROPERTY COVERAGE........................3 Coverage C - Personal Property..............................3 Coverage D - Loss Of Use.......................................5 EXCLUSIONS............................................................. 15 PERILS..........................................................................6 ADDITIONAL COVERAGE..........................................19 EXCLUSIONS............................................................... 7 CONDITIONS..............................................................20 ADDITIONAL COVERAGE............................................9 GENERAL CONDITIONS............................................20 POLICY This policy is a legal contract between you and us. Your policy consists of the DECLARATIONS, the RENTERS FORM, all ENDORSEMENTS, and your INSURANCE APPLICATION. The policy details the rights and duties of you and us. READ YOUR POLICY CAREFULLY. AGREEMENT We agree with you, in return for your premium payment, to insure you subject to all the terms of this policy. DEFINITIONS The following definitions apply throughout this policy’s form and endorsements. Defined terms are in bold type and have the same meaning whether in the singular, plural, or any other form. A. You and your mean a named insured shown in the Declarations or, if living in the same household: 1. a named insured's spouse; or 2. a person who has entered into a domestic partnership or civil union with a named insured if such partnership or union: a. is recognized under the laws of the state in which a named insured resides; b. grants equivalent rights and responsibilities to its members as those granted to a spouse under state law; and c. has been registered with or filed with the state or local government responsible for recording such partnerships or unions. B. We, us, and our mean the company shown in the Declarations which provides this insurance. C. In addition, we define these words and phrases: 1. Actual cash value. This means the least of the: a. value of damaged property; b. change in value of damaged property directly due to the loss; c. cost to repair damaged property; or HO 80 04 01 14 Page 1 of 22 d. cost to replace damaged property; less a deduction that reflects depreciation, age, condition, and obsolescence at the time of loss. Actual cash value may be significantly less than replacement cost. 2. Bodily injury means physical injury, sickness, disease, or death of any person. It includes resulting loss of services, loss of consortium, and required care. 3. Business means: a. a full-time, part-time, or occasional employment, trade, profession, or occupation; or b. any other activity engaged in for money or any other type of revenue, except the following: (1) volunteer activities for which the only payment received is for expense incurred to perform the activity; (2) selling energy generated on the residence premises back to a public utility; (3) providing home day care services for which no revenue is received, other than the mutual exchange of such services; or (4) providing home day care services to a relative. 41028-43216-61 4. Declarations. This means the pages showing your coverage, limits, covered property, premiums, and other information for this policy. This includes all POLICY CHANGE documents that apply to this policy. 5. Domestic employee means a person you employ to perform only domestic duties: a. including those necessary to clean, maintain, or help enable the use of the residence premises; or b. at other locations for you or any insured; only if such person is your employee per the United States Tax Code. This does not include any person while performing duties for any insured's business. 6. Endorsement. This means a form that changes, adds, reduces, or removes the terms, conditions, or coverage of this policy. 7. Fungi. This means any type or form of fungus. This includes but is not limited to mold or mildew, and any mycotoxins, spores, scents, or by-products produced or released by fungi. 8. Household. This means the persons who are residents of the housing unit that you rent. 9. Housing unit. This means the living quarters where you reside on the residence premises. 10. Insured: a. This means: (1) you; or (2) a household member who is: (a) a relative; or (b) under the age of 21 and in your care or the care of a household member who is a relative. b. This also means under Section II of this policy: (1) a person you give your permission to have custody of or to use: (a) a vehicle or watercraft covered by this policy; or (b) an animal owned by an insured described in 10.a. above; when such custody or use is not in the course of any type of business activity. (2) a person while working as a domestic employee of an insured described in 10.a. above. Each person described above is a separate insured under this policy. This does not increase any limit in this policy. Each limit is the most we will pay for any loss or occurrence regardless of the number of insureds or claimants involved, persons injured, claims made, or suits brought. 11. Insured location means: a. the residence premises; b. if you notify us within 30 days of acquisition, the part of a residential HO 80 04 01 14 premises you acquire as your new residence during the policy period; c. a premises you use in connection with the residence premises; d. any part of a premises: (1) not owned by or leased to an insured; and (2) where an insured is temporarily residing; e. land that an insured owns, rents, or leases that is vacant land. Vacant land may contain structures including fences, that are not buildings or swimming pools, only if such structures are for the personal use of an insured. Vacant land does not mean any: (1) farmland; (2) land used for business; or (3) land on which any: (a) structure; or (b) building; designed or used for farming or business exists; f. land that an insured owns, rents, or leases on which a one or two family dwelling is being built as a residence for an insured; or g. individual or family cemetery plots or burial vaults of an insured. 12. Limit. This means the most that we will pay under any coverage. We do not have any liability for any payment above any limit in this policy. 13. Livestock. a. This means farm animals including but not limited to any: (1) cattle; (2) horse; (3) pony; (4) mule; (5) donkey; (6) buffalo; (7) swine; (8) llama; (9) alpaca; (10)sheep; or (11)goat. b. Livestock does not mean any: (1) domestic fowl, including any chicken or duck, that is raised for consumption by the household; or (2) domestic pet, including a dog or cat. 14. Nuclear hazard. This means any type or form of nuclear reaction, radiation, or contamination however caused. This includes any direct or resulting damage, regardless of whether the nuclear reaction, radiation, or contamination is caused by any: a. act or failure to act; Page 2 of 22 41028-43216-61 15. 16. 17. 18. 19. b. natural event; or c. design, construction, care for, or use of any nuclear facility, material, or device. Occurrence means an accident, including continuous or repeated exposure to substantially the same general harmful conditions, which results during the policy period in: a. bodily injury; or b. property damage. Pollutant. a. This means any contaminant or irritant regardless if it is: (1) man-made or natural; (2) a solid, liquid, gas, compound; or (3) thermal irritant. b. This includes but is not limited to: (1) lead, mercury, radon, asbestos, formaldehyde; (2) solvents, alkalis, acids; (3) gasoline, diesel, alcohol, kerosene, heating oil, or any other type of petroleum based or bio-based fuel; (4) garbage, refuse, other waste, material to be recycled; or (5) any substance any governmental agency lists as a controlled chemical or hazardous substance. c. Pollutant does not mean: (1) the excretion, secretion, or decomposition of any animal; or (2) a contaminant or irritant from a fire. Property damage means physical damage to or destruction of tangible property. This includes loss of its use. Relative. This means a person related to you by blood, marriage, or adoption. Residence premises. a. This means the: (1) housing unit; and (2) other parts of that location used or occupied solely by you and household members for residential purposes; at the residence premises location shown in the Declarations. b. Residence premises includes that part of any other residence you do not own while you are temporarily residing there because the housing unit is being repaired, renovated, or rebuilt and is unfit to live in. 20. Structure. a. This means a man-made object requiring site preparation of the earth to enable its construction at a set location. A structure must be a permanent and stationary part of the realty. This includes a building permanently attached to a concrete foundation. This also includes a retaining wall, walkway, or driveway. b. Structure does not mean any type of hot tub, whirlpool, or spa that is manufactured for use above ground. c. A pier, wharf, or dock is a structure only if it is permanently attached into the earth and not removed on a seasonal basis. 21. Uninhabited. This means you do not reside at, have moved from, or vacated the housing unit. This definition does not change regardless of the presence of any personal property that may be in the housing unit. Uninhabited does not mean those instances in which: a. we consent in writing to: (1) your reason for not residing at, moving from, or vacating the housing unit; and (2) the steps you take to safeguard the residence premises; or b. you are temporarily residing away from the housing unit due to: (1) work related travel; (2) a vacation; or (3) use of a seasonal home. 22. War. This means damage caused by or resulting from any: a. armed conflict by any state, country, nation, or other governed entity; b. insurrection, rebellion, or revolution; c. destruction, seizure, or use of any type of property for any military purpose; or d. warlike act by any person, group, or military force. War also means any damage caused by any nuclear weapon or device. This includes accidental explosion of such weapon or device. This includes any electromagnetic pulse damage whether caused by nuclear explosion or otherwise. SECTION I - PROPERTY COVERAGE The limits for this Coverage are shown in the Declarations. A. Coverage C - Personal Property. 1. We cover personal property owned or used by an insured while it is anywhere in the world. HO 80 04 01 14 Page 3 of 22 At your request after a loss, and if not insured by the owner, we will cover personal property owned by: 41028-43216-61 a. others while the property is on the part of the residence premises occupied exclusively by an insured; or b. a guest or a domestic employee, while the property is in any residence occupied by an insured. 2. The limit for property away from the residence premises is 10% of the Coverage C limit but not less than $3,000 for personal property: a. while such property is taken out of the United States; or b. that is usually located at an insured's residence other than the residence premises. This includes property of a full-time student, who is an insured, at the residence occupied by that student. However, this limitation does not apply to an insured's personal property in your newly acquired principal residence in the United States for 30 days from the time you begin to move the property there. This limit does not increase the Coverage C limit. 3. Special limits apply to the types of property listed below. These special limits do not increase the Coverage C limit. The limit for each type applies to the total of all property within the type. a. $300 is the total limit for: (1) money, bank notes, bullion; (2) checks, money orders; (3) negotiable instruments; (4) scrip, coins, medals; (5) gold, silver, and platinum except flatware, tableware, plaques, and trophies made or plated with these metals; and (6) stored value cards and smart cards. b. $300 is the total limit for marijuana if deemed legal by the state law of the insured location. This limit includes such substance in any form including all plants and any equipment and material used to grow or process marijuana. c. $1,500 is the total limit for watercraft. This includes their trailers, motors, equipment, parts, and accessories. This does not include scale models. d. $1,500 is the total limit for any trailers that are not used with watercraft. e. $1,500 is the total limit for any scale models of any type that can be used outdoors. This includes their equipment, parts, and accessories. f. $1,500 is the total limit for: (1) stamps; (2) securities, accounts, deeds; (3) evidenc...
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