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(1) When you have not paid the policy, at least 75 days, but not more premium, at any time by letting you than 120 days, before the expiration or know at least 10 days before the date anniversary date. cancellation takes effect; If we fail to give the first Named Insured (2) If willful or grossly negligent acts or shown in the Declarations notice of omissions by the Named Insured, or nonrenewal at least 75 days prior to the his or her representatives, are policy expiration, as required in the discovered that materially increase paragraph above, this policy, with no any of the risks insured against; or change in its terms and conditions, shall (3) If there are physical changes in the remain in effect for 75 days from the date property insured against, beyond the that the notice of nonrenewal is delivered catastrophe-damaged condition of or mailed to the Named Insured. A notice the structures and surface landscape, to this effect shall be provided by us to which result in the property becoming the first Named Insured with the notice of uninsurable. nonrenewal. C. The following is added and supersedes any b. We may elect not to renew such provisions to the contrary: coverage for any reason, except as provided in Paragraphs c., d. and e. Nonrenewal below. 1. Subject to the provisions of Paragraphs C.2. c. We will not refuse to renew such and C.3. below, if we elect not to renew this coverage solely because the first Named policy, we will mail or deliver written notice, Insured has accepted an offer of stating the reason for nonrenewal, to the first earthquake coverage. Named Insured shown in the Declarations, and to the producer of record, at least 60 However, the following applies only to days, but not more than 120 days, before the insurers who are associate participating expiration or anniversary date. insurers as established by Cal. Ins. Code We will mail or deliver our notice to the first Section 10089.16. We may elect not to Named Insured, and to the producer of renew such coverage after the first record, at the mailing address shown in the Named Insured has accepted an offer of policy. earthquake coverage, if one or more of 2. Residential Property the following reasons applies: This provision applies to coverage on real (1) The nonrenewal is based on sound property used predominantly for residential underwriting principles that relate to purposes and consisting of not more than the coverages provided by this policy four dwelling units, and to coverage on and that are consistent with the tenants' household property contained in a approved rating plan and related residential unit, if such coverage is written documents filed with the Department under one of the following: of Insurance as required by existing law; Commercial Property Coverage Part (2) The Commissioner of Insurance finds Farm Coverage Part— Farm Property— Farm that the exposure to potential losses Dwellings, Appurtenant Structures And will threaten our solvency or place us Household Personal Property Coverage Form in a hazardous condition. A a. If this policy provides coverage as hazardous condition includes, but is described in the preceding paragraph, not limited to, a condition in which we and we elect not to renew this policy, we make claims payments for losses will mail or deliver written notice, stating resulting from an earthquake that the reason for nonrenewal, to the first occurred within the preceding two Named Insured shown in the years and that required a reduction in Declarations, and to the producer record policyholder surplus of at least 25% at the mailing address shown in the for payment of those claims; or IL 02 70 07 20 C Insurance Services Office, Inc., 2020 Page 3 of 4