CAREER DEVELOPMENT SOLUTIONS dba NEW HORIZONS

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d. If a state of emergency under California Law a. If this policy provides coverage as described is declared and the residential property is in the preceding paragraph, and we elect not located in any ZIP Code within or adjacent to to renew this policy, we will mail or deliver the fire perimeter, as determined by written notice, stating the reason for California Law, we may not cancel this policy nonrenewal, to the first Named Insured for one year, beginning from the date the shown in the Declarations, and to the state of emergency is declared, solely producer of record, at the mailing address because the dwelling or other structure is shown in the policy, at least 75 days, but not located in an area in which a wildfire has more than 120 days, before the expiration or occurred. However, we may cancel: anniversary date. (1) When you have not paid the premium, at If we fail to give the first Named Insured any time by letting you know at least 10 shown in the Declarations notice of days before the date cancellation takes nonrenewal at least 75 days prior to the effect; policy expiration, as required in the (2) If willful or grossly negligent acts or paragraph above, this policy,with no change omissions by the Named Insured, or his in its terms and conditions, shall remain in or her representatives, are discovered effect for 75 days from the date that the that materially increase any of the risks notice of nonrenewal is delivered or mailed insured against; or to the Named Insured. A notice to this effect shall be provided by us to the first Named (3) If there are physical changes in the Insured with the notice of nonrenewal. property insured against, beyond the catastrophe-damaged condition of the b. We may elect not to renew such coverage structures and surface landscape, which for any reason, except as provided in result in the property becoming Paragraphs c., d. and e. below. uninsurable. c. We will not refuse to renew such coverage C. The following is added and supersedes any solely because the first Named Insured has provisions to the contrary: accepted an offer of earthquake coverage. Nonrenewal However, the following applies only to 1. Subject to the rovisions of Paragraphs C.2. insurers who are associate participating 1 pinsurers as established by Cal. Ins. Code and C.3. below, if we elect not to renew this Section 10089.16. We may elect not to policy, we will mail or deliver written notice, renew such coverage after the first Named stating the reason for nonrenewal, to the first Insured has accepted an offer of earthquake Named Insured shown in the Declarations, and coverage, if one or more of the following to the producer of record, at least 60 days, but reasons applies: not more than 120 days, before the expiration or anniversary date. (1) The nonrenewal is based on sound underwriting principles that relate to the We will mail or deliver our notice to the first coverages provided by this policy and Named Insured, and to the producer of record, that are consistent with the approved at the mailing address shown in the policy. rating plan and related documents filed 2. Residential Property with the Department of Insurance as This provision applies to coverage on real required by existing law; property used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household property contained in a residential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part f Farm Property f Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form Risk Management DMsbt REVIEWED&APPROVED BY. ® Risk Management Specialist IL 02 70 07 20 © Insurance Services Office, Inc., 2020 Page 3 of 4 81809559 KMEENTE-Cl 1 29-25 Master Certificate I IT—y Cadwallader 1 9/6/2_02_9 6:46:23 PM (POT) Page 8 of 9