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d. If a state of emergency under California b. We will not refuse to renew such coverage Law is declared and the residential property solely because the first Named Insured has is located in any Zip Code within or accepted an offer of earthquake coverage. adjacent to the fire perimeter, as However, the following applies only to determined by California Law, we may not insurers who are associate participating cancel this policy for one year, beginning insurers as established by Cal. Ins. Code from the date the state of emergency is Section 10089.16. We may elect not to declared, solely because the dwelling or renew such coverage after the first Named other structure is located in an area in Insured has accepted an offer of which a wildfire has occurred.However, we earthquake coverage, if one or more of the may cancel: following reasons applies: (1) When you have not paid the premium, (1) The nonrenewal is based on sound at any time by letting you know at least underwriting principles that relate to the 10 days before the date cancellation coverages provided by this policy and takes effect; that are consistent with the approved (2) If willful or grossly negligent acts or rating plan and related documents filed omissions by the Named Insured, or his with the Department of Insurance as or her representatives, are discovered required by existing law; that materially increase any of the risks (2) The Commissioner of Insurance finds insured against; or that the exposure to potential losses will (3) If there are physical changes in the threaten our solvency or place us in a property insured against, beyond the hazardous condition. A hazardous catastrophe-damaged condition of the condition includes, but is not limited to, a structures and surface landscape, which condition in which we make claims result in the property becoming payments for losses resulting from an uninsurable. earthquake that occurred within the C. The following is added and supersedes any preceding two years and that required a provisions to the contrary: reduction in policyholder surplus of at Nonrenewal least 25% for payment of those claims; or 1. Subject to the provisions of Paragraphs C.2. (3) We have: and C.3. below, if we elect not to renew this policy, we will mail or deliver written notice, (a) Lost or experienced a substantial stating the reason for nonrenewal, to the first reduction in the availability or scope Named Insured shown in the Declarations, and of reinsurance coverage; or to the producer of record, at least 60 days, but (b) Experienced a substantial increase not more than 120 days, before the expiration in the premium charged for or anniversary date. reinsurance coverage of our We will mail or deliver our notice to the first residential property insurance Named Insured, and to the producer of record, policies; and at the mailing address shown in the policy. the Commissioner has approved a plan 2. Residential Property for the nonrenewals that is fair and equitable, and that is responsive to the This provision applies to coverage on real changes in our reinsurance position. property used predominantly for residential purposes and consisting of not more than four c. We will not refuse to renew such coverage dwelling units, and to coverage on tenants' solely because the first Named Insured has household property contained in a residential cancelled or did not renew a policy, issued unit, if such coverage is written under one of by the California Earthquake Authority, that the following: included an earthquake policy premium Commercial Property Coverage Part surcharge. Farm Coverage Part — Farm Property -- Farm . Dwellings, Appurtenant Structures And Household Personal Property Coverage Form a. We may elect not to renew such coverage for any reason, except as provided in b., c. and d. below. IL 02 7012 19 © Insurance Services Office, Inc., 2019 Page 3 of 4 85745245 25-26 A/G/U/W/2011/E60 I Mari-sa Rom. 1 6/12/2025 9:47:17 AM (PDT) I Page 10 of 22