CENTRE FOR ORGANIZATION EFFECTIVENESS, THE

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Hanover Insurance Group.. AH3 J928000 1001835 d. If a state of emergency under California a. If this policy provides coverage as Law is declared and the residential described in the preceding paragraph, property is located in any ZIP Code within and we elect not to renew this policy, we or adjacent to the fire perimeter, as will mail or deliver written notice, stating determined by California Law, we may the reason for nonrenewal, to the first not cancel this policy for one year, Named Insured shown in the beginning from the date the state of Declarations, and to the producer of emergency is declared, solely because record, at the mailing address shown in the dwelling or other structure is located the policy, at least 75 days, but not more in an area in which a wildfire has than 120 days, before the expiration or occurred. However, we may cancel: anniversary date. (1) When you have not paid the premium, If we fail to give the first Named Insured at any time by letting you know at shown in the Declarations notice of least 10 days before the date nonrenewal at least 75 days prior to the cancellation takes effect; policy expiration, as required in the (2) If willful or grossly negligent acts or paragraph above, this policy, with no omissions by the Named Insured, or change in its terms and conditions, shall his or her representatives, are remain in effect for 75 days from the date discovered that materially increase that the notice of nonrenewal is delivered any of the risks insured against; or or mailed to the Named Insured. A notice to this effect shall be provided by us to (3) If there are physical changes in the the first Named Insured with the notice of property insured against, beyond the nonrenewal. catastrophe-damaged condition of the structures and surface landscape, b. We may elect not to renew such coverage which result in the property becoming for any reason, except as provided in uninsurable. Paragraphs c., d. and e. below. C. The following is added and supersedes any c. We will not refuse to renew such provisions to the contrary: coverage solely because the first Named Nonrenewal Insured has accepted an offer of earthquake coverage. 1. Subject to the provisions of Paragraphs C.2. However, the following applies only to and C.3. below, if we elect not to renew this insurers who are associate participating policy, we will mail or deliver written notice, insurers as established by Cal. Ins. Code stating the reason for nonrenewal, to the first Section 10089.16. We may elect not to Named Insured shown in the Declarations, renew such coverage after the first and to the producer of record, at least 60 Named Insured has accepted an offer of days, but not more than 120 days, before the earthquake coverage, if one or more of expiration or anniversary date. the following reasons applies: We will mail or deliver our notice to the first (1) The nonrenewal is based on sound Named Insured, and to the producer of underwriting principles that relate to record, at the mailing address shown in the the coverages provided by this policy policy. and that are consistent with the 2. Residential Property approved rating plan and related This provision applies to coverage on real documents filed with the Department property used predominantly for residential of Insurance as required by existing purposes and consisting of not more than law; 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 IL 02 70 07 20 Copyright, Insurance Services Office, Inc., 2020 Page 3 of 4