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(2)If willful or grossly negligent acts or remain in effect for 75 days from the omissions by the Named Insured, or date that the notice of nonrenewal is his or her representatives, are delivered or mailed to the Named discovered that materially increase Insured. A notice to this effect shall be any of the risks insured against;or 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 b. We may elect not to renew such the catastrophe-damaged surface coverage for any reason, except as landscape, which result in the provided in Paragraphs c., d. and e. property becoming uninsurable. 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 Section 10089.16. We may elect not to first Named Insured shown in the renew such coverage after the first Declarations and to the producer of record, Named Insured has accepted an offer of at least 60 days, but not more than 120 earthquake coverage, if one or more of days, before the expiration or anniversary the following reasons applies: date. (1) The nonrenewal is based on sound We will mail or deliver our notice to the first underwriting principles that relate to Named Insured, and to the producer of the coverages provided by this record, at the mailing address shown in the policy and that are consistent with policy. the approved rating plan and related 2. Residential Property documents filed with the This provision applies to coverage on real Department of Insurance as required property used predominantly for residential by existing law; purposes and consisting of not more than (2)The Commissioner of Insurance finds four dwelling units, and to coverage on that the exposure to potential losses tenants' household property contained in a will threaten our solvency or place us residential unit, if such coverage is written in a hazardous condition. A under the DELUXE PROPERTY COVERAGE hazardous condition includes, but is PART: not limited to, a condition in which a. If this policy provides coverage as we make claims payments for losses described in the preceding paragraph, resulting from an earthquake that and we elect not to renew this policy,we occurred within the preceding two will mail or deliver written notice, stating years and that required a reduction the reason for nonrenewal to the first in policyholder surplus of at least Named Insured shown in the 25%for payment of those claims;or Declarations, and to the producer of (3)We have: record, at the mailing address shown in (a) Lost or experienced a the policy,at least 75 days, but not more than 120 days, before the expiration or substantial reduction the anniversary date. availability or scope of reinsurance coverage;or If we fail to give the first Named Insured shown in the Declarations notice of (b)Experienced a substantial nonrenewal at least 75 days prior to the increase in the premium charged for reinsurance coverage of our policy expiration, as required in the paragraph above, this policy, with no residential property insurance change in its terms and conditions, shall policies;and IL T9 28 07 20 © 2020 The Travelers Indemnity Company.All rights reserved. Page 3 of 4 Includes the copyrighted material of Insurance Services Office,Inc.with its permission.