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d. If a state of emergency under California Law a. If this policy provides coverage as described is declared and the residential property is in the preceding paragraph, and we elect not located in any ZIP Code within or adjacent to to renew this policy, we will mail or deliver the fire perimeter, as determined by California written notice, stating the reason for Law, we may not cancel this policy for one nonrenewal, to the first Named Insured shown year, beginning from the date the state of in the Declarations, and to the producer of emergency is declared, solely because the record, at the mailing address shown in the dwelling or other structure is located in an policy, at least 75 days,but not more than 120 area in which a wildfire has occurred. days, before the expiration or anniversary However,we may cancel, date. (1) When you have not paid the premium, at If we fail to give the first Named Insured any time by letting you know at least 10 shown in the Declarations notice of days before the date cancellation takes nonrenewal at least 75 days prior to the policy effect; expiration, as required in the paragraph (2) If willful or grossly negligent acts or above, this policy, with no change in its terms omissions by the Named Insured, or his or and conditions, shall remain in effect for 75 her representatives, are discovered that days from the date that the notice of materially increase any of the risks insured nonrenewal is delivered or mailed to the against;or Named Insured. A notice to this effect shall be provided by us to the first Named Insured with (3) If there are physical changes in the the notice of nonrenewal. property insured against, beyond the catastrophe-damaged condition of the b. We may elect not to renew such coverage for structures and surface landscape, which any reason, except as provided in Paragraphs result in the property becorryng c.,d. and a below. uninsurable. Q We will not refuse to renew such coverage C. The following is added and supersedes any solely because the first Named Insured has provisions to the contrary: accepted an offer of earthquake coverage. Nonrenewal hlowever, the following applies only to 1. Subject to the provisions of Paragraphs C2. and insurers who are associate participating insurers as established by Cal. Ins. Code C.3. below,if we elect not to renew this policy,we Section 10089.16. We may elect not to renew will mail or deliver written notice, stating the such coverage after the first Named Insured reason for nonrenewal, to the first Named Insured has accepted an offer of earthquake shown in the Declarations, and to the producer of coverage, if one or more of the following record, at least 60 days, but not more than 120 reasons applies: days,before the expiration or anniversary date. (1) The nonrenewal is based on sound Wie will mail or deliver our notice to the first underwriting principles that relate to the Named Insured, and to the producer of record, at coverages provided by this policy and that the mailing address shown in the policy. are consistent with the approved rating 2. FAsideritial Property plan and related documents filed with the This provision applies to coverage on real Department of Insurance as required by property used predominantly for residential existing law, purposes and consisting of not more than 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: ConTnerdal Property Coverage Part Farm Coverage Part — Farm Property — Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form II_02 M 07 20 V nsurance Services Office, Inc.,2020 Page 3 of 4