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(4) Discovery of willful or grossly negligent B. The following provision is added to the acts or omissions, or of any violations of Cancellation Common Policy Condition: state laws or regulations establishing 7. Residential Property safety standards, by you or your representative, which materially This provision applies to coverage on real increase any of the risks insured property which is used predominantly for against. residential purposes and consisting of not more than four dwelling units, and to coverage on (5) Failure by you or your representative to tenants' household personal property in a implement reasonable loss control residential unit, if such coverage is written requirements, agreed to by you as a under one of the following: condition of policy issuance, or which were conditions precedent to our use of Commercial Property Coverage Part a particular rate or rating plan, if that Farm Coverage Part — Farm Property — Farm failure materially increases any of the Dwellings, Appurtenant Structures And risks insured against. Household Personal Property Coverage Form (6) A determination by the Commissioner of a. If such coverage has been in effect for 60 Insurance that the: days or less, and is not a renewal of (a) Loss of, or changes in, our coverage we previously issued, we may reinsurance covering all or part of cancel this coverage for any reason, except the risk would threaten our financial as provided in b. and c. below. integrity or solvency; or b. We may not cancel this policy solely (b) Continuation of the policy coverage because the first Named Insured has: would: (1) Accepted an offer of earthquake (i) Place us in violation of California coverage; or law or the laws of the state where (2) Cancelled or did not renew a policy we are domiciled; or issued by the California Earthquake (ii) Threaten our solvency. Authority (CEA) that included an earthquake policy premium surcharge. (7) A change by you or your representative in the activities or property of the However, we shall cancel this policy if the commercial or industrial enterprise, first Named Insured has accepted a new or which results in a materially added, renewal policy issued by the CEA that increased or changed risk, unless the includes an earthquake policy premium added, increased or changed risk is surcharge but fails to pay the earthquake included in the policy. policy premium surcharge authorized by the CEA. b. We will mail or deliver advance written c. We may not cancel such coverage solely notice of cancellation, stating the reason for because corrosive soil conditions exist on cancellation, to the first Named Insured, at the mailing address shown in the policy, the premises. This restriction (c.) applies and to the producer of record, at least: only if coverage is subject to one of the following, which exclude loss or damage (1) 10 days before the effective date of caused by or resulting from corrosive soil cancellation if we cancel for conditions: nonpayment of premium or discovery of (1) Commercial Property Coverage Part — fraud; or Causes Of Loss—Special Form; or (2) 30 days before the effective date of cancellation if we cancel for any other (2) Farm Coverage Part — Causes Of Loss reason listed in Paragraph 3.a. Form — Farm Property, Paragraph D. Covered Causes Of Loss—Special. Page 2 of 4 © Insurance Services Office, Inc., 2019 IL 02 70 12 19 89056740 25-26 A/G/U/W/Poll/E&O I Dani Rembleski 1 1/28/2026 10:36:44 AM (PST) I Page 9 of 19