08:44:28.

565 AM

Thomas Scheibal
971 Petrified Forest Rd
Calistoga, CA 94515
 YOUR INSURANCE BROKER
Mill Creek Insurance Services
Po Box 501
725 S. Figueroa Street, Suite 3900
Los Angeles, CA 90017
Mentone, CA 92359-0501
(800) 339-4099 PHONE NUMBER (844) 385-4670
www.cfpnet.com

Important Information for

New Policyholders
We are pleased to enclose your California FAIR Plan insurance policy.

The California FAIR Plan is the property insurance market of last resort and should
be used only after a diligent effort to obtain other coverage has been made.

REVIEW YOUR POLICY

Do you have the right amount and type of insurance in case of a loss? Selecting the
amount and type of insurance coverage appropriate for your needs is YOUR responsibility.
Ask your Broker to help guide you in making these selections

KNOW WHAT YOUR FAIR PLAN POLICY PROVIDES

If you cannot get insurance with another company, consider purchasing a Difference in
Conditions (DIC) policy that provides important coverages not available in your FAIR
Plan policy such as water damage, theft and liability coverage.
SEE THE INSURANCE COMPARISON CHART ON THE REVERSE.
Contact your Broker for more information

FAIR Plan Difference

Dwelling in Conditions
Policy Policy (DIC)

This ilustration is intended as an overview only. Read the applicable forms for complete terms, conditions and exclusions.

SHOP AROUND
Ask your neighbors which insurance company they use
Do not rely on just one source for your insurance information
DIC premiums can vary greatly between companies

Thomas Scheibal
971 Petrified Forest Rd
Calistoga, CA 94515
Insured copy
continued on reverse side CFP-R3b(01/2021)
 California FAIR Plan Association
INSURANCE POLICY COMPARISON CFP DWELLING POLICY TO ISO HO-3
IMPORTANT NOTICE
This chart summarizes some of the significant differences between the coverage provided by the FAIR Plan's basic dwelling
policy and the coverage provided by insurance advisory organization Insurance Service Office, Inc. (ISO) more comprehensive
California homeowners (HO-3) policy form. You should consider purchasing a companion policy, commonly known as a
Difference in Conditions (DIC) policy to supplement what the FAIR Plan policy provides. For a complete, specific understanding
of all of the similarities and differences between the FAIR Plan dwelling policy and the insurance available in the standard
market, you should consult with a licensed insurance broker. In all cases, the specific language of the policy shall constitute
the terms and conditions of the coverage provided. THIS CHART IS NOT ALL-INCLUSIVE.

PERILS INSURED AGAINST (not all-inclusive) CFP POLICY ISO HO-3

DWELLING
All physical loss unless specifically excluded (including water damage) no coverage
Fire or Lightning
Smoke
Internal Explosion
Extended Coverage (windstorm or hail, explosion, riot, aircraft, vehicles) Optional
Vandalism or Malicious Mischief Optional
CONTENTS
Fire or Lightning
Smoke
Internal Explosion
Extended Coverage (windstorm or hail, explosion, riot, aircraft, vehicles) Optional
Vandalism or Malicious Mischief Optional
Theft no coverage
Falling Objects no coverage
Weight of Ice, Snow or Sleet no coverage
Accidental Discharge or Overflow of Water or Steam no coverage
Freezing no coverage
Sudden Accidental Damage from Artificially Generated Electrical Current no coverage
LIABILITY COVERAGES
Personal Liability no coverage
Medical Payments to Others no coverage
Damage to Property of Others no coverage $1,000 Limit

OTHER COVERAGES, LIMITS AND CONDITIONS (not all inclusive)

CFP POLICY ISO HO-3
Replacement Cost Optional
Use up to 10% of Dwelling Limit (reduces dwelling 10% of Dwelling Limit (does not reduce
Other Structures limit), or Optional - you may buy additional Other Dwelling Limit, and you may buy
Structures coverage additional Other Structures coverage)
Additional Living Expense no coverage
Use up to 10% of Dwelling Limit (reduces dwelling
Fair Rental Value limit), or Optional - you may buy up to 50% of Dwelling
Limit in additional Fair Rental Value coverage
10% of Dwelling Limit (does not reduce
Ordinance or Law Optional - you may buy up to 10% of Dwelling Limit in
Dwelling Limit, and you may buy
Ordinance or Law Coverage additional Ordinance or Law coverage)
Included in Limit of Liability applying to damaged Included in Limit of Liability applying
property (reduces applicable limit), or Optional- you to damaged property, but adds 5% to
Debris Removal may buy up to 5% of Dwelling, Other Structures and that limit, if necessary, for debris
Personal Property Combined Limits in additional removal
Debris Removal coverage
 California FAIR Plan Association
DWELLING INSURANCE POLICY DECLARATIONS
TRANSACTION TYPE Dwelling – New Business
725 S. Figueroa Street, Suite 3900
Los Angeles, CA 90017 YOUR INSURANCE BROKER
(800) 339-4099 Mill Creek Insurance Services
www.cfpnet.com Po Box 501
DATE ISSUED 09/09/2024 Mentone, CA 92359-0501
POLICY NUMBER CFP 0100802754 00 PHONE NUMBER (844) 385-4670
POLICY PERIOD 09/10/2024 To 09/10/2025
12:01 a.m. at the property location

INSURED NAME AND MAILING ADDRESS PROPERTY LOCATION

Thomas Scheibal 971 Petrified Forest Rd
Linda Scheibal Calistoga, CA 94515
971 Petrified Forest Rd
Calistoga, CA 94515
see Schedule attached

IMPORTANT NOTICE TO INSURED

The FAIR Plan does not estimate the cost to rebuild your home, or the cost of labor and materials in your (or any other)
area, or determine the appropriateness of the coverage you select. Instead, those are your responsibilities. However,
we are required by law to tell you that, "The limit of liability for this structure (Coverage A) 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".
RATING INFORMATION
YEAR BUILT OCCUPANCY # OF UNITS CONSTRUCTION TYPE DEDUCTIBLE
1956 Owner 1 Frame $5,000
COVERAGE AND PREMIUM INFORMATION
In case of loss we cover only that part of the loss which exceeds the deductible shown. Insurance is provided against only those
perils with a premium charge. We provide only those coverages, endorsements and perils shown below as selected ( ).
These are brief summary descriptions; please read the entire policy for details. Please ask your broker for assistance if you wish
to obtain information about coverages you have not purchased.
COVERAGES, LIMITS, PERILS AND PREMIUMS
SELECTED COVERAGES LIMITS PERILS INSURED AGAINST PREMIUM
A - Dwelling $ 980,000 Fire or Lightning, Internal Explosion $ 5,372
and Smoke Damage
B – Other Structures see reverse $ 70,000 Extended Coverages $ 79

C – Personal Property $ 200,000 Vandalism or Malicious Mischief $ 17

D – Fair Rental Value $ 140,000

Ordinance or Law Coverage $ 98,000

Debris Removal (additional) $ 20,000 Total Annual Premium $ 5,468

Extended Dwelling Coverage $ 245,000
INCLUDED
THIS IS NOT A BILL
Dwelling Replacement Cost
Inflation Guard INCLUDED You will be billed separately for any
Personal Property Replacement Cost INCLUDED remaining balance.
Fences $ 0
THIS POLICY INCLUDES BUILDING CODE
Permitted Incidental Occupancy $ 0 UPGRADE COVERAGE(WHICH WE CALL
Plants, Shrubs and Trees $ 0 ORDINANCE OR LAW COVERAGE).
Outdoor Radio and TV Equipment $ 0
PLEASE SEE ATTACHED NOTICE.
Awnings $ 0

Signs $ 0

Improvements, Alterations and Additions $ 0

Insured copy CFP-005A(01/2021)

 READ YOUR INSURANCE POLICY
Selecting the amount and type of insurance coverage appropriate for your needs is your responsibility.

FORMS AND ENDORSEMENTS APPLICABLE TO THIS POLICY NUMBER CFP 0100802754 00

CFP0001F (01/2021) Home Sharing Endorsement, CFP100 (01/2021) Extended Dwelling Coverage Endorsement,
CFPAB2756NTC (07/2021) REQUIRED AB 2021 NOTICE, CFPRIDDFNBJULY2 (07/2017) Prop Ins Disclosure for NB Eff
July 1 2011 or after, CFP0001E (04/2019) Amendatory Endorsement, CFP0002 (04/2020) Amendatory Endorsement

MORTGAGEE/LOSS PAYEES
Subject to the provisions of the loss payable clauses attached hereto, loss, if any, on dwelling (and other structures, if applicable)
shall be payable to:

1ST MORTGAGEE 2ND MORTGAGEE

SCHEDULE OF OTHER STRUCTURES

ITEM DESCRIPTION OF COVERED PROPERTY LIMIT OF LIABILITY

1 DRIVEWAY $ 70,000

THESE DECLARATIONS WITH FORMS AND ENDORSEMENTS LISTED ABOVE ARE YOUR INSURANCE POLICY

MESSAGE BOARD
This policy is a contract between us and the Named Insured(s) and any loss payees identified on this
Declarations Page. This policy does not provide coverage to any person or entity not named here.
 PRIVACY NOTICE
How We Collect, Use, Disclose and Protect Your Personal Information
When you apply for insurance with the California FAIR Plan Association (the FAIR Plan), you entrust us with some
personal information about yourself. This notice briefly describes our practices regarding your personal information,
including what information we gather, how we protect it, and how you can help ensure its accuracy. The Fair plan wants
you to know, and assures you, that the Fair plan does not sell your information to anyone.

How We Collect Information

In order that we may properly issue or modify a policy of insurance, which requires us to evaluate and rate the risk,
relevant information must be obtained. In most cases, applications for insurance, submitted to us on your behalf either
by you or your insurance broker, provide the information we need to decide whether or not to issue a policy to you and, if
so, the premium we will charge and the terms and conditions of that coverage. If we need further information, or to verify
information provided, we will contact either you or your insurance broker, or we will get that information from sources we
consider reliable, which may include persons other than you or those whose property interests are proposed for
coverage. We collect the same information if you or your insurance broker ask us to modify a policy that we have issued
to you.

In servicing the insurance policy we issue to you, such as settling an insurance claim you make, we may also collect
information from outside sources, such as property inspection companies and companies that collect data concerning
you or the property in which you and/or others have an interest. We may cause a property inspection to be made and/or
collect personal information from public records, consumer reporting agencies, appraisers, adjusters, insurers and other
third parties, who may gather information concerning your occupation, general reputation, character, habits and other
personal characteristics.

How We Use and Disclose Information

We use information we collect about you and your property to handle our insurance transactions with you, such as
issuing policies and modifying them at your request, or in settling insurance claims you make. We also may use your
personal information to communicate with you about insurance features and options that we believe may interest you.

The FAIR Plan does not disclose any personal information to companies or organizations not affiliated with us that would
use the information provided to contact you about their own products or services. However, as permitted by law, we may
disclose information about you without your prior permission to persons or organizations to protect their interests or to
enable them to perform their business, professional insurance or regulatory functions, including:

your insurance broker to perform their functions in insurance transactions involving you;
participating insurers in the Fair Plan Clearinghouse to perform their functions in insurance transactions
involving you; To opt out of Clearinghouse Disclosures, please visit www.cfpnet.com/PrivacyPolicy; insurance
support organizations for their use as permitted by law;
other insurance companies to perform their functions in insurance transactions involving you; independent
claim adjusters, to enable them to provide information to us to be used for the purpose of determining your
eligibility for insurance benefits;
independent property inspection companies to enable them to provide information to us to be used for the
purpose of determining your eligibility for insurance;
businesses that conduct actuarial or research studies;
insurance regulatory, law enforcement or other government authorities; FAIR
Plan participating companies in connection with FAIR Plan matters;
persons or organizations requesting information by administrative or judicial order, including search warrant or
subpoena;
policyholders and loss payees for the purpose of providing information regarding the status of insurance transactions;
lienholders, mortgagees, assignees, lessors or other persons shown on our records as having a legal or
beneficial interest in a policy of insurance on your property.

If you make an insurance claim with respect to property, information on the claim may be entered into a database operated
by Insurance Services Office, Inc. (ISO), called the ISO ClaimSearch® System for use by ISO customers. These
customers include insurance companies, self-insureds, third-party administrators, automobile rental, auction, and finance
organizations, state workers compensation funds, and by law enforcement, criminal justice and regulatory agencies and
their personnel, state fraud bureaus, state fire marshals and ISO and National Insurance Crime Bureau personnel in
investigating the legitimacy of that claim and/or other claims for loss. Information which
Privacy Notice (01/2021)
may be entered into the ISO ClaimSearch® System may include such information as name(s) by which you have been
known, age and sex, current and previous addresses, loss location, insurance policy information, description and cause
of loss, type of property damaged, destroyed or lost, identification of others who have an interest in the property or who
are involved in the claimed loss, including partners, agents, attorneys, corporate officers (if applicable), company,
independent and/or public adjusters, contractors, tenants, property occupants and mortgagees. Such information may
be collected by an insurer or an adjuster by questioning you and such persons as your spouse, others who have an
interest in the property, those who are involved in the claimed loss, and fire department personnel. Information on you
will be given by ISO to insurance companies that subscribe to its services for use in investigating insurance claims.

On request, ISO will tell you whether it has information on you, will let you see and copy such information (in person or by
mail), and will give you the nature and substance of such information by telephone. Upon request, you may also be
entitled to obtain additional information concerning the types of sources and investigative techniques used to obtain any
personal information on you and the types of disclosures which may be made under the ISO ClaimSearch® System,
including the circumstances under which the disclosures are made without prior authorization and frequency of the
same. ISO may charge a reasonable fee for copies of information provided. If you think information on you is incomplete
or inaccurate, you may request ISO make corrections. ISO will then investigate and: (1) give your correction to
subscribers who previously received such information; or (2) inform you that it refuses to make your corrections and give
you its reasons. If ISO refuses to make your corrections, you can have a statement of the reasons for your disagreement
placed in the ISO ClaimSearch® System; and all subscribers who received or will receive information on you will also
receive a copy of the statement. Information on your claim will normally be stored in the ISO ClaimSearch® System for
five years. Inquiries to ISO should be addressed to: ISO ClaimSearch® Customer Service Department, 545 Washington
Boulevard, Jersey City, NJ 07310-1686, (800) 888-4476.

The Type of Information We Disclose About You

Both while you are our policyholder and thereafter we may disclose your identity and information about you, including
information about the following: Your current and previous addresses, telephone numbers, fax numbers, email
addresses, the insurance policies we and other companies have issued or offered to you, your property and interests
therein, and your mortgages, agreements, claims, losses, and the payments you receive. That information may (but
need not) also include information identifying an individual and relating to an insurance claim or civil or criminal
proceeding involving that individual, collected in connection with, or in reasonable anticipation of, a claim for insurance
benefits or a civil or criminal proceeding involving that individual.

How We Protect Your Personal Information

Your personal information is available to FAIR Plan employees and other individuals authorized to perform functions
at the FAIR Plan office that may need knowledge of such information to provide services to you or our other
customers. We have in place organizational, electronic and physical safeguards to protect customer
information. We conduct periodic reviews of our policies and procedures concerning electronic information systems to
ensure the privacy of customer information.

When we share your personal information with other persons or organizations to enable them to perform business,
professional or insurance functions for us, we protect that personal information where required by law with agreements by
such persons and organizations not to disclose the information further without your written authorization, unless the
further disclosure is reasonably necessary for such persons or organizations to perform such functions for us.

Accessing and Correcting Information

You have the right to know what personal information is contained in your file, and to request its correction if you believe
it is inaccurate. These rights do not extend to information that relates to and is collected in connection with our in
reasonable anticipation of a claim or civil or criminal proceeding involving you. If we request an investigative consumer
report, you may ask to be interviewed in connection with its preparation. You are entitled to receive a copy of the report
upon request. Please contact (800) 339-4099 or (213) 487-0111 if you have any questions regarding this notice.

Data Retention
The Fair Plan will retain your personal information as is necessary to provide our services, and as necessary to comply
with our legal obligations, and enforce our legal agreements and policies.

Notice To The Insured

Neither the issuance of the enclosed policy, nor any other act or omission by the FAIR Plan, or by any person or entity
for the FAIR Plan described in the policy, constitutes an express or implied representation concerning the safety of
the property, or a representation of the adequacy of the amount or nature of your coverage.
 California FAIR Plan Association
HOME SHARING ENDORSEMENT

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

The following is added to Coverage C, Property Not Covered:

10. property of a "home-sharing occupant," or any person occupying the dwelling as a result of
any "home-sharing host activities."

11. property that is damaged by a "home-sharing occupant" or during the course of "home-
sharing host activities."

The following is added to Coverage D, Fair Rental Value after "We do not cover loss or expense
due to cancellation of a lease or agreement":

Fair Rental Value will be calculated as if the dwelling were occupied by a long term
tenant. You will not be reimbursed for any income lost because the dwelling is not available for
home-sharing host activities.

The following as added to Perils Insured Against:

10. Vandalism or Malicious Mischief, meaning willful and malicious damage to, or destruction
of, the described property.

This peril does not include loss: . . .

e. to damage caused by "home-sharing occupants" or arising out of "home-sharing host activities."

The following definitions apply to this endorsement:

a. "Home-sharing host activities" means the rental or holding for rental of the dwelling or
any portion of the dwelling for less than 365 days, whether or not the property is rented or held
for rental through a home-sharing website.

b. "Home-sharing occupant" means a person, other than the insured, who has entered into
an agreement with an insured for the use of the dwelling or any portion of the dwelling for less
than 365 days, whether or not the property is rented or held for rental through a home-sharing
website.

All other provisions of the policy apply.

CFP 00 01F (01/2021)

Insured Copy
 California FAIR Plan Association
Extended Dwelling Coverage Endorsement

The following endorsement changes the policy. Please read it carefully.

If there is a checkmark next to Extended Dwelling Coverage in the Declarations, Extended
Dwelling Coverage applies up to the limit of liability shown on the Declaration for the Dwelling as
defined in Coverage A - Dwelling.
Definition Applicable to this Endorsement:
Extended Dwelling Coverage Amount is the combination of the Limit of Liability shown in the
Declarations for Coverage A - Dwelling and the Extended Dwelling Coverage Limit of Liability
shown in the Declarations.
Paragraphs 1 and 2 under "If there is a checkmark next to Dwelling Replacement Cost in the
Declarations, the above Loss Settlement provision with respect to Coverage A and B losses does
not apply and the following Loss Settlement Provision will apply with respect to Coverage A and
B losses, only" are deleted and replaced with the following:
Covered property loss to any building under Coverage A or B will be settled as follows:
(1) If, at the time of loss, the Extended Dwelling Coverage Amount (as defined in this
Endorsement) is 80% or more of the lower of the full cost to reconstruct or
replace the building immediately before the loss, we will pay the cost to
reconstruct or replace the part of the building damaged, after application of the
deductible and without depreciation, but not more than the least of the following
amounts:
a) the Extended Dwelling Coverage Amount;
b) the lower of either the reconstruction or replacement cost of the damaged
part of the building; or
c) the necessary amount actually spent to reconstruct or replace the damaged
part of the building.
(2) If, at the time of loss, the Extended Dwelling Coverage Amount is less than 80%
of the lower of the full cost to reconstruct or replace the building immediately
before the loss, we will pay the greater of the following amounts, but not more
than the Limit of Liability under this policy that applies to the building:
a) the amount payable for the loss under Condition 6, above; or
b) that proportion of either the lower of the cost to reconstruct or replace the
part of the building damaged, without deduction for depreciation, which
the total amount of insurance under this policy on the damaged building
bears to 80% of the lower of the full cost either to reconstruct or replace
the building immediately before the loss.

Insured Copy CFP 100 (01/2021)

The following is added to Condition 3 of the policy:
The Extended Dwelling Coverage Limit of Liability is 25% of your Dwelling Coverage Amount
(Coverage A). If we increase the Limit of Liability for Coverage A, that will automatically
increase the Extended Dwelling Coverage Limit of Liability.
The following is added to OTHER COVERAGES as Paragraph 7 of the policy:
Coverage Extension: You may use up to 10% of the Extended Dwelling Coverage Amount
(instead of 10% of the Coverage A Limit of Liability) for loss by a Peril Insured Against to other
structures. You may use up to 10% of the Extended Dwelling Coverage Amount (instead of
10% of the Coverage A Limit of Liability) for loss of Fair Rental Value resulting from a loss by
a Peril Insured Against. You may use any amount of Extended Dwelling Coverage Amount or
any amount up to the Limit of Liability shown in the Declarations for Coverage B or Coverage C
for the reasonable expenses you incur for the removal of debris damaged by a loss we cover.
Payment under any of these coverages reduces the applicable Limit of Liability by the amount
paid for the same loss.

All other provisions of the policy apply.

Insured Copy CFP 100 (01/2021)

 California FAIR Plan Association

725 S. Figueroa Street, Suite 3900

Los Angeles, CA 90017
(800) 339-4099
www.cfpnet.com

Assembly Bill 2756 requires that all dwelling fire policies that include Dwelling Replacement Cost coverage
must include Ordinance or Law coverage at a limit of at least 10% of the Coverage A-Dwelling limit. Your
policy includes Ordinance or Law coverage in accordance with these requirements.

We are required by law to advise of any applicable limits of this coverage. Please see the following with
respect to this coverage:

We will pay for the increased costs you incur due to the enforcement against you of any ordinance
or law which requires or regulates construction, demolition, renovation or repair, but only as it
applies to that part of a covered building or other structure damaged by a Peril Insured Against. We
will not pay for any such costs incurred by you for work done on undamaged property.

Ordinance or law coverage is provided only if the damaged covered building or other structure for
which claim is made satisfied all applicable building code requirements in effect when it was built,
last repaired or last remodeled before such damage occurred.

We shall not be liable for more than the limit of liability shown in the Declarations for this coverage.

We do not cover:

(1) any loss in value to any covered building or other structure due to the requirements of any
ordinance or law: or
(2) due to enforcement against you, in actual repair of damage to covered property caused by a
Peril Insured Against, the costs to comply with any ordinance or law which requires you or
others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any
way respond to, or assess the effects of, pollutants from, in or on any covered building or
other structure.

Notwithstanding the foregoing, we will pay the costs to comply with any ordinance or law which
requires you or others to test for, monitor, clean up, remove, contain, treat. Detoxify or neutralize,
or in any way respond to, or assess the effects of asbestos or lead only. We shall pay only the costs
actually incurred by you, due to enforcement against you, in actual repair of damage to covered
property caused by a Peril Insured Against. We will not pay for any such costs incurred by you for
work done to portions of the property which did not incur direct physical damage from the covered
peril. Coverage for remediation of lead and/or asbestos shall be limited to the aggregate amount of
$10,000 or the amount actually incurred, whichever is less.

Please contact your broker if you have any questions about your coverage options. If you do not have a broker,
you may search for one on the FAIR Plan website at www.cfpnet.com.

Insured Copy CFP AB 2756 (07/2021)

 California FAIR Plan Association
NOTICE TO CONSUMERS - CALIFORNIA RESIDENTIAL INSURANCE DISCLOSURE

This disclosure is required by Section 10102 of the California Insurance Code. This form provides general information
related to residential property insurance and is not part of your residential property insurance policy. Only the specific
provisions of your policy will determine whether a particular loss is covered and the amount payable. The information
provided does not preempt existing California law.

PRIMARY FORMS OF RESIDENTIAL DWELLING COVERAGE

You have purchased the coverage(s) checked below. NOTE: Actual Cash Value Coverage is the most
limited level of coverage listed. Guaranteed Replacement Cost is the broadest level of coverage.

1. ACTUAL CASH VALUE COVERAGE pays the costs to repair the damaged dwelling minus a deduction
for physical depreciation. If the dwelling is completely destroyed, this coverage pays the fair market value of the
dwelling at time of loss. In either case, coverage only pays for costs up to the limits specified in your policy.

2. REPLACEMENT COST COVERAGE is intended to provide for the cost to repair or replace the damaged
or destroyed dwelling, without a deduction for physical depreciation. Many policies pay only the dwelling's actual
cash value until the insured has actually begun or completed repairs or reconstruction on the dwelling. Coverage
only pays for replacement costs up to the limits specified in your policy.

3. BUILDING CODE UPGRADE COVERAGE, also called Ordinance or Law coverage, is an important
option that covers additional costs to repair or replace a dwelling to comply with the building codes and zoning
laws in effect at the time of loss or rebuilding. These costs may otherwise be excluded by your policy. Meeting
current building code requirements can add significant costs to rebuilding your home. Refer to your policy or
endorsement for the specific coverage provided and coverage limits that apply.

The following are coverage options NOT AVAILABLE from the California FAIR Plan

NA 4. EXTENDED REPLACEMENT COST COVERAGE is intended to provide for the cost to repair or replace
the damaged or destroyed dwelling without a deduction for physical depreciation. Many policies pay only the
dwelling's actual cash value until the insured has actually begun or completed repairs or reconstruction on the
dwelling. Extended Replacement Cost provides additional coverage above the dwelling limits up to a stated
percentage or specific dollar amount. See your policy for the additional coverage that applies.

NA 5. GUARANTEED REPLACEMENT COST COVERAGE covers the full cost to repair or replace the damaged
or destroyed dwelling for a covered peril regardless of the dwelling limits shown on the policy declarations page.

READ YOUR POLICY AND POLICY DECLARATIONS PAGE CAREFULLY The policy declarations page shows
the specific coverage limits you have purchased for your dwelling, personal property, separate structures such
as detached garages, and additional living expenses. The actual policy and endorsements provide the details
on extensions of coverage, limitations of coverage, and coverage conditions and exclusions. The amount of any
claim payment made to you will be reduced by any applicable deductibles shown on your policy declarations
page. It is important to take the time to consider whether the limits and limitations of your policy meet your
needs. Contact your agent, broker, or insurance company if you have questions about what is covered or if you
want to discuss your coverage options.

IMPORTANT NOTICE TO INSURED

The FAIR Plan does not estimate the cost to rebuild your home, or the cost of labor and materials in your (or any
other) area, or determine the appropriateness of the coverage you request. Instead, those are your responsibilities.

see reverse side

Insured Copy CFP-RID-DF-NB (07/2017) Page 1 of 2
 INFORMATION YOU SHOULD KNOW ABOUT RESIDENTIAL DWELLING INSURANCE

AVOID BEING UNDERINSURED Insuring your home for less than its replacement cost may result in your having
to pay thousands of dollars out of your own pocket to rebuild your home if it is completely destroyed. Contact
your agent, broker, or insurance company immediately if you believe your policy limits may be inadequate.

THE RESIDENTIAL DWELLING COVERAGE LIMIT The coverage limit on the dwelling structure should be high
enough so you can rebuild your home if it is completely destroyed.

PLEASE NOTE:

The cost to rebuild your home is almost always different from the market value.
Dwelling coverage limits do not cover the value of your land.
The estimate to rebuild your home should be based on construction costs in your area and should be
adjusted to account for the features of your home. These features include but are not limited to the square
footage, type of foundation, number of stories, and the quality of the materials used for items such as
flooring, countertops, windows, cabinetry, lighting and plumbing.
The cost to rebuild your home should be adjusted each year to account for inflation.
Coverage limits for contents, separate structures, additional living expenses and debris removal are usually
based on a percentage of the limit for the dwelling. If your dwelling limit is too low, these coverage limits
may also be too low.

You are encouraged to obtain a current estimate of the cost to rebuild your home from your insurance agent,
broker, or insurance company or an independent appraisal from a local contractor, architect, or real estate
appraiser. If you do obtain an estimate of replacement value, and wish to change your policy limits, contact
your insurance company. While not a guarantee, a current estimate can help protect you against being underinsured.

DEMAND SURGE After a widespread disaster, the cost of construction can increase dramatically as a result
of the unusually high demand for contractors, building supplies and construction labor. This effect is known as
demand surge. Demand surge can increase the cost of rebuilding your home. Consider increasing your coverage
limits or purchasing Extended Replacement Cost coverage to prepare for this possibility.

CHANGES TO PROPERTY Changes to your property may increase its replacement cost. These changes may
include the building of additions, customizing your kitchen or bathrooms, or otherwise remodeling your home.
Failure to advise your insurance company of any significant changes to your property may result in your home
being underinsured.

WILDFIRE MITIGATION CREDITS Properties located in a designated Firewise® Community qualify for a
discounted wildfire premium. Please contact your broker for more information.

EXCLUSIONS Not all causes of damage are covered by common homeowners or residential fire policies. You
need to read your policy to see what causes of loss or perils are not covered. Coverage for landslide is typically
excluded. Some excluded perils such as earthquake or flood can be purchased as an endorsement to your policy
or as a separate policy. Contact your agent, broker, or insurance company if you have a concern about any of the

CONTENTS (PERSONAL PROPERTY) COVERAGE DISCLOSURE This disclosure form does not explain the
types of contents coverage provided by your policy for items such as your furniture or clothing. Contents may be
covered on either an actual cash value or replacement cost basis depending on the contract. Almost all policies
include specific dollar limitations on certain property that is particularly valuable, such as jewelry, art, or
silverware. Contact your agent, broker or insurance company if you have any questions about your contents
coverage. You should create a list of all personal property in and around your home. Pictures and video recordings
also help you document your property. The list, photos, and video should be stored away from your home.

CONSUMER ASSISTANCE If you have any concerns or questions, contact your agent, broker, or insurance
company. You are also encouraged to contact the California Department of Insurance consumer information line
at (800) 927-HELP (4357) or at www.insurance.ca.gov for free insurance assistance. This website includes a
Homeowners Coverage Comparison Tool for your reference.

Page 2 of 2
 California FAIR Plan Association
CALIFORNIA RESIDENTIAL PROPERTY INSURANCE BILL OF RIGHTS

A consumer is entitled to receive information regarding homeowner’s insurance.

The following is a limited overview of information that your insurance company can provide:

The insurance company’s customer service telephone number for underwriting, rating, and claims inquiries.

A written explanation for any cancellation or nonrenewal of your policy.

A copy of the insurance policy.

An explanation of how your policy limits were established.

In the event of a claim, an itemized, written scope of loss report prepared by the insurer or its adjuster within
a reasonable time period.

In the event of a claim, a copy of the Unfair Practices Act and, if requested, a copy of the Fair Claims
Settlement Practices Regulations.

In the event of a claim, notification of a consumer’s rights with respect to the appraisal process for resolving
claims disputes.

An offer of coverage and premium quote for earthquake coverage, if eligible.

A consumer is also entitled to select a licensed contractor or vendor to repair, replace, or rebuild damaged property
covered by the insurance policy.

The information provided herein is not all inclusive and does not negate or preempt existing California law.

If you have any concerns or questions, contact your agent, broker, insurance company, or the
California Department of Insurance consumer information line at ( 800 ) 927- HELP (4357) or at
www.insurance.ca.gov for free insurance assistance.

This insurer reports claim information to one or more claims information databases. The claim information is used to
furnish loss history reports to insurers.

If you are interested in obtaining a report from a claims information database, you may do so by contacting A-PLUS
Consumer Center at 1-800-627-3487 or www.verisk.com/underwriting/order-an-a-plus-loss-history-report.html

YOUR INSURANCE BROKER

Mill Creek Insurance Services
Po Box 501
Mentone, CA 92359-0501
PHONE NUMBER 8443854670

Bill of Rights (07/2017)