Insurance Rented Home Policy

INSURANCE RENTED HOME POLICY

Policy Information

Insurer: Policy No.:

Date of Birth: Contact Phone: Email:

Policy Period & Premium

Policy Effective Date:   Through  

Coverages and Limits

Personal Property (Contents) — Limit: $   Replacement Cost:

Additional Living Expense (Loss of Use) — Limit: $

Personal Liability — Limit: $

Medical Payments to Others — Limit: $

Deductible: $   Coverage Territory:

Optional Endorsements

Water backup coverage — Limit: $

Identity theft expense coverage — Limit: $

Earthquake endorsement — Limit: $

Exclusions

The insurance provided by this policy does not apply to loss or expense caused directly or indirectly by, resulting from, contributed to, or aggravated by: war, insurrection, nuclear hazard, intentional loss by the insured, wear and tear, gradual deterioration, vermin or infestation, neglect, mechanical breakdown, or routine maintenance. Loss caused by flood is excluded unless a specific flood endorsement is attached. This list is illustrative and not exhaustive; additional exclusions are set forth in the policy forms and endorsements attached hereto.

Conditions

Duties After Loss: In the event of a loss insured by this policy, the insured must: (a) give prompt notice to the insurer; (b) protect property from further damage and keep an inventory of damaged and undamaged property; (c) provide reasonable proof of loss and cooperate with the insurer's reasonable requests; (d) submit to examination under oath if requested. Failure to comply may void coverage to the extent the insurer is prejudiced.

Other Insurance and Subrogation: If there is other valid and collectible insurance available to the insured for a loss otherwise covered by this policy, the insurer shall pay only its share of the loss. The insurer may pursue subrogation against any party legally responsible for the loss; the insured shall cooperate with such efforts.

Cancellation and Nonrenewal: This policy may be canceled by the insured by returning the policy to the insurer or by delivering written notice. The insurer may cancel or nonrenew in accordance with the terms and applicable law and will provide written notice stating the reason and effective date of cancellation or nonrenewal.

Beneficiary Designation

The insured may designate a beneficiary to receive proceeds payable under this policy in the event of the insured's death. Such designation is subject to the terms of the policy and applicable law.

Claims Information (for reference)

Date of Loss:

Photographs of damage    Receipts or proof of ownership    Police report (if applicable)

Declarations and Certification

By signing below, the insured certifies that all information provided in this policy and any attached application is true and complete to the best of the insured's knowledge. The insured acknowledges receipt of the policy forms and endorsements listed on the declarations page, understands the limits, deductibles and exclusions, and agrees to comply with the duties and conditions of the policy. The insured authorizes the insurer to obtain and share relevant information to underwrite and administer this policy, subject to applicable law. Fraudulent statements or misrepresentations may result in denial of coverage or rescission of the policy.

This document, together with the policy forms, endorsements and declarations referenced herein, constitutes the entire agreement between the insured and the insurer with respect to the coverage described. Any modification must be made by an authorized representative in a written endorsement.

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