PREMIER
RENTERS
POLICY

HOMEOWNERS 4
CONTENTS BOARD FORM

AGREEMENT

We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy.

DEFINITIONS

In this policy, "you" an "your" refer to the named insured shown in the Declaration and the spouse if a resident of the same household. "We", "us" and "our" refer to the Company providing this insurance. In addition, certain words and phrases are defined as follows:

1. "Bodily Injury" means bodily harm, sickness or disease, including required care, loss of services and death that results.

2. "Business" includes trade, profession or occupation.

3. "Insured" means you and residents of your household who are:
      a. Your relatives; or
      b. Other persons under the age of 21 and in the care of any person named above.

Under Section II, "insured" also means:

          (1) Persons while engaged in your employ or

          (2) Other persons using the vehicle on an insured location with your expressed consent.

4. "Insured location" means:

     e. Vacant land, other than farm land, owned by or rented to an insured;
     f. Land owned by or rented to an insured on which a one or two family dwelling is being built as a residence for      an insured;
     g. Individual or family cemetery plots or burial vaults of an insured; or
     h. Any part of a premises occasionally rented to an insured for other than business use.

5. "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.

6. "Property damage" means physical injury to, destruction of or loss of use of tangible property.
7. "Residence employee" means:

for use with any electronic apparatus described in this item 10.

11. $1000 for loss to electronic apparatus, while not in or upon a motor vehicle or other motorized land conveyance, if the electronic apparatus:B

Electronic apparatus includes:

     a. Accessories or antennas; or
     b. Tapes, wires, records, discs or other media; for use with any electronic apparatus described in this item 11.

Property Not Covered. We do not cover:

1. Articles separately described and specifically insured in this or other insurance;

2. Animals, birds, or fish;

3. Motor vehicles or all other motorized land conveyances. This includes:

The exclusion of property described in 3.a. and 3.b. above applies only while the property is in or upon the vehicle or conveyance.

We do cover vehicles or conveyances not subject to motor vehicle registration which are:

4. Aircraft and parts. Aircraft means any contrivance used or designed for flight, except model or hobby aircraft not used or designed to carry people or cargo;

5. Property of roomers, boarders and other tenants, except property of roomers and boarders related to an insured;

6. Property in an apartment regularly rented or held for rental to others by an insured,

7. Property rented or held for rental to others off the residence premises;

8. Business data, including such data stored in:

However, we do cover the cost of blank recording or storage media and pre-recorded computer programs available on the retail market; or

9. Credit cards or fund transfer cards except as provided in Additional Coverages 6.

COVERAGE D - Loss of Use
The limit if liability for Coverage D is the total limit for all the coverages that follow.

1. If a loss by a Peril Insured Against under this policy to covered property or the building containing the property, makes the residence premises not fit to live in, we cover, at your choice, either of the following. However, if the residence premises is not your principal place of residence, we will not provide the option under paragraph b. below:

Payment under a. or b. will be for the shortest time required to repair or replace the damage or, if you permanently relocate, the shortest time required for your household to permanently relocate elsewhere.

2. If a loss covered under this Section makes that part of the residence premises rented to other or held for rental by you not fit to live in, we cover the:

Payment will be for the shortest time required to repair or replace that part of the premises rented or held for rental.

ADDITIONAL COVERAGES

1. Debris Removal. We will pay your reasonable expense for the removal of:

This expense is included in the limit if liability that applies to the damaged property. If the amount to be paid for the

provided the tree(s) damages a covered structure. The $500 limit is the most we will pay in any one loss beardless of the number of fallen trees.

We will pay up to 10% of the limit of liability that applies to Coverage C, for all trees, shrubs, plants or lawns. No more than $500 of this limit will be available
for any one

6. Credit Card, Fund Transfer Card, Forgery and Counterfeit Money. We will pay up to $500 for:

We do not cover use of a credit card or fund transfer card:

All loss resulting from a series of acts committed by any one person or in which any one person is concerned or implicated is considered to be one loss.

We do not cover loss arising out of business use or dishonesty of an insured or an employee of an insured.

This coverage is additional insurance. No deductible applies to this coverage.

8. Collapse. We insure for direct physical loss to covered property involving collapse of a building or any part of a building caused by one or more of the following:

10. Building Additions and Alterations. We cover under
Coverage C the building improvements or installations,
made or acquired at your expense, to that part of the residence premises used exclusively by you. The limit of liability for this coverage will not be more than 10% of the limit of liability that applies to Coverage C.

This peril does not include loss caused by theft;

This peril does not include loss caused by theft that occurs off the residence premises of:

10. Falling objects. This peril does not include loss to property contained in a building unless the roof or an outside wall of the building is first damaged by a falling object. Damage to the falling object itself is not included.

11. Weight of ice, snow or sleet which causes damage to a building or property contained in the building.

12. Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance.

This peril does not include loss:

15. Sudden and accidental damage from artificially generated electrical current. This peril does not include loss to a tube, transistor or similar electronic component.

16. Volcanic eruption other than loss caused by earthquake, land shock waves or tremors.

1. Ordinance or Law, meaning any ordinance or law:

reasonable means to save and preserve property at and after the time of a loss.

6. War, including the following and any consequence of any of the following:

Discharge of a nuclear weapon will be deemed a warlike act even if accidental.

7. Nuclear Hazard, to the extent set forth in the Nuclear Hazard Clause of SECTION I - CONDITIONS.

8. Intentional Loss, meaning any loss arising out of any act committed:

SECTION I - CONDITIONS

1. Insurable Interest and Limit of Liability. Even if more than one person has an insurable interest in the property covered, we will not be liable in any one loss:

     repairs to the property are required, you must:

     e. Prepare and submit to us within 60 days of the loss an inventory of damaged personal property using the forms      we provide showing the quantity, description, place of purchase, date of purchase, original cost, actual cash value,      replacement cost and amount you are claiming as a loss. You must attach all bills, receipts and related documents      that justify the figures in the inventory;

     f. As often as we reasonably require:

     g. Send to us, within 60 days after our request, your signed, sworn proof of loss, using the form we provide,      which sets forth, to the best of your knowledge and belief:

3. Loss Settlement. Covered property losses are settled
at actual cash value at the time of loss but not more than the amount required to repair or replace.

4. Loss to a Pair or Set. In case of loss to a pair or set we may elect to:

5. Glass replacement. Loss for damage to glass caused by a Peril Insured Against will be settled on the basis of replacement with safety glazing materials when required by ordinance or law.

6. Appraisal. If you and we fail to agree on the amount of loss, and any insured claiming coverage has complied with all other conditions of the policy, either may demand an appraisal of the loss in writing, If both parties agree in writing to appraisal, and to be bound by the results, each party will choose a competent and disinterested appraiser within 20 days after receiving a written request from the other. The two appraisers will choose a disinterested and impartial umpire. If they connot agree upon an umpire within 15 days, you or we, upon written notice to the other, may request that the choice be made by a judge of a court of record in the state where the residence premises is located. The appraisers shall separately set the amount of the loss as defined in the policy. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed by any two will set the amount of loss.

Each party will:
     a. Pay its own appraiser; and
     b. Bear the other expenses of the appraisal and umpire equally.

7. Other Insurance. If a loss covered by this policy is also covered by other insurance, we will pay only the proportion of the loss that the limit of liability that applies under this policy bears to the total amount of insurance covering the loss.

8. Suit Against Us. No action can be brought unless the policy provisions have been fully complied with and the action is started within one year after the date of loss.

9. Our Option. If we give you written notice within 30 days after we receive your signed, sworn proof of loss, we may repair or replace any part of the damaged property with like property, at our option.

10. Loss Payment. We will adjust all losses with you. We will pay you unless some other person is named in the policy or is legally entitled to receive payment. Loss will be payable 60 days after we receive your proof of loss

11. Abandonment of Property. We need not accept any property abandoned by an insured.

12. No Benefit to Bailee. We will not recognize any assignment or grant any coverage that benefits a person or organization holding, storing or moving property for a fee regardless of any other provision of this policy.

13. Nuclear Hazard Clause.

1. To a person on the insured locaton with the permission of an insured; or

3. Coverage F-Medical Payments to Others, does not apply to bodily injury:

SECTION II - ADDITIONAL COVERAGES

We cover the following in addition to the limits of liability:

1. Claim Expenses. We pay:

2. First Aid Expenses. We will pay expenses for first aid to others incurred by an insured for bodily injury covered under this policy. We will not pay for first aid to you or any other insured.

3. Damage to Property of Others. We will pay, at replacement cost, up to $500 per occurrence for property damage to property of others caused by an insured.

We will not pay for property damage:

4. Loss Assessment. We will pay up to $1000 for your share of loss assessment charged during the policy period against you by a corporation or association of property owners, when the assessment is made as a result of:

This coverage applies only to loss assessments charged against you as owner or tenant of the residence premises.

We do not cover loss assessments charged against you or a corporation or association of property owners by any governmental body.

Regardless of the number of assessments, the limit of $1000 is the most we will pay for loss arising out of:

The following do not apply to this coverage:
1. Section II-Coverage E-Personal Liability Exclusion 2.a.(1);
2. Condition 1. Policy Period, under SECTIONS I AND II-CONDITIONS.

SECTION II - CONDITIONS

1. Limit of Liability. Our total liability under Coverage E for all damages resulting from any one occurrence will not be more than the limit of liability for Coverage E as shown in the Declarations. This limit is the same regardless of the number of insureds, claims made or persons injured. All bodily injury and property damage resulting from any one accident or from continuous or repeated exposure to substantially the same general harmful conditions shall be considered to be the result of one occurrence.

Our total liability under Coverage F for all medical expense payable for bodily injury to one person as the result of one accident will not be more than the limit of liability for Coverage F as shown in the Declarations.

2. Severability of Insurance. This insurance applies separately to each insured. This condition will not increase our limit of liability for any one occurrence.

3. Duties After Loss. In case of an accident or occurrence, the insured will perform the following duties that apply. You will help us by seeing that these duties are performed:

4. Duties of an Injured Person-Coverage F-Medical Payments to Others. The injured person or someone acting for the injured person will:

The injured person will submit to a physical exam by a doctor of our choice when and as often as we reasonably require.

5. Payment of Claim-Coverage F-Medical Payments to Others. Payment under this coverage is not an admission of liability by an insured or us.

6. Suit Against Us. No action can be brought against us unless there has been full compliance with the policy provisions.

us to be valid. Our request for an appraisal or examination will not waive any of our rights.

5. Cancellation.

6. Nonrenewal. We may elect not to renew this policy. We may do so by delivering to you, or mailing to you at your mailing address shown in the Declarations, written notice at least 30 days before the expiration date of this policy. Proof of mailing will be sufficient proof of notice.

7. Assignment. Assignment of this policy will not be valid unless we give our written consent.

8. Subrogation. An insured may waive in writing before a loss all rights of recovery against any person. If not waived, we may require an assignment of rights of recovery for a loss to the extent that payment is made by us.

If an assignment is sought, an insured must sign and deliver all related papers and cooperate with us.

Subrogation does not apply under Section II to Medical Payments to Others or Damage to Property of Others.

9. Death. If any person named in the Declarations or the spouse, if a resident of the same household, dies; we insure the legal representative of the deceased, but only with respect to the premises and property of the deceased covered under the policy at the time of death.

Insured includes:

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In Witness Whereof, we have caused this policy to be executed and attested, and, if required by state law, this policy shall not be valid unless countersigned by our authorized representative.

______________________________________________________Secretary

______________________________________________________President

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Please keep your Declarations Certificates and
Endorsements with your policy.

Includes copyrighted material of Insurance
Services Office, Inc. with its permission.

Copyright, Insurance Services Office, Inc. 1995