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* S1 * 02/02/2024 * GLP 0482161 11 GREAT AMERICAN ASSURANCE COMPANY *D/B* 397946331 694948 d. If a state of emergency under California a. If this policy provides coverage as Law is declared and the residential property described in the preceding paragraph, and is located in any ZIP Code within or we elect not to renew this policy, we will adjacent to the fire perimeter, as mail or deliver written notice, stating the determined by California Law, we may not reason for nonrenewal, to the first Named cancel this policy for one year, beginning Insured shown in the Declarations, and to from the date the state of emergency is the producer of record, at the mailing declared, solely because the dwelling or address shown in the policy, at least 75 other structure is located in an area in days, but not more than 120 days, before which a wildfire has occurred. However, we the expiration or anniversary date. may cancel: If we fail to give the first Named Insured (1) When you have not paid the premium, shown in the Declarations notice of at any time by letting you know at least nonrenewal at least 75 days prior to the 10 days before the date cancellation policy expiration, as required in the takes effect; paragraph above, this policy, with no (2) If willful or grossly negligent acts or change in its terms and conditions, shall omissions by the Named Insured, or his remain in effect for 75 days from the date or her representatives, are discovered that the notice of nonrenewal is delivered or that materially increase any of the risks mailed to the Named Insured. A notice to insured against; or this effect shall be provided by us to the first Named Insured with the notice of (3) If there are physical changes in the nonrenewal. property insured against, beyond the catastrophe-damaged condition of the b. We may elect not to renew such coverage for any reason, except structures and surface landscape, which 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 insurers who are associate participating 1. Subject to the provisions of Paragraphs C.2. insurers 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 Named Insured shown in the Declarations, and earthquake coverage, if one or more of the to the producer of record, at least 60 days, but following 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 — Farm Property — Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form © Insurance Services Office, Inc., 2020 IL 02 70 (Ed. 07/20) (Page 3 of 4)