VACATION TRAILER / CAMPER UNIT I MOTOR …

1 WUWH 001 (05/13) 1 VACATION TRAILER / CAMPER unit I MOTOR HOME policy ADMINISTERED BY Western Underwriting Managers Ltd. I. AGREEMENT We provide the insurance described in this policy in return for payment of the premium and subject to the terms and conditions set out. II. DEFINITIONS You or Your means the person(s) named as Insured in the Declarations, and, while living in the same household, his or her husband or wife, the relatives of either or any person under 21 in their care. Husband and wife includes a man and a woman who are living together as husband and wife and have so lived together continuously for a period of 3 years or, if a child was born of their union, for a period of 1 year.

2 We or Us means the Company (the Insurer) providing the Insurance. Actual Cash Value means the actual or current value at the time of loss. It is the cost of repairing or replacing the damaged or destroyed property with a new article of like kind and quality, less depreciation. unit means the VACATION TRAILER , 5th Wheel TRAILER , CAMPER unit or MOTOR Home described in the Declarations. III. COVERAGE One of the following parts, as indicated in the Declarations, applies to your policy : Part 1 Named Perils Actual Cash Value Coverage Part 2 All Risks Replacement Cost Coverage Part 3 All Risks Guaranteed Replacement Cost Coverage Part 1 Named Perils Actual Cash Value Coverage BASIS OF CLAIM PAYMENT: We will pay for the loss, damage or destruction of the unit for an amount not exceeding whichever is the least of: 1.

3 The actual cash value of the property at the time of loss, damage or destruction; 2. your financial interest in the property; or 3. the applicable limit of insurance stated in the Declarations and subject to any pro-rata provision hereof. If the insurance applies to the property of more than one person, our total liability for loss sustained by those persons shall be limited in the aggregate to the applicable limit of insurance as shown in the Declarations. INSURED PERILS: You are insured against direct physical loss or damage to the unit caused by the following perils (including General Average and Salvage charges) as described and limited: (1) Fire; (2) Lightning; (3) Explosion. This excludes electric arcing, water hammer or rupture of any vessel or conduit due to water pressure therein; (4) Falling Object.

4 This means an object which while falling strikes the exterior of the unit . There is no coverage for loss or damage caused (a) to glass; (b) by snowslide, landslide, or any other earth movement; or (c) to radio or TV antennae, satellite receivers, or their attachments; (5) Riot, Vandalism or Malicious Acts. We do not insure loss or damage caused by you or by any person using the unit with your knowledge or consent; (6) Windstorm or Hail. This does not include loss or damage to the interior of the unit , or to its contents caused by windstorm, hail or coincidental rain damage, unless the storm causes an opening in the unit . We do not insure loss or damage: (a) to radio or TV antennae, satellite receivers, or their attachments; (b) due to the weight or pressure of melting snow or ice, waves, floods, whether driven by wind or not; or (c) by hail, unless the hail directly causes an opening in the unit ; (7) Collision (meaning contact with another object) or Upset; (8) Theft including damage caused by attempted theft.

5 We do not insure loss or damage caused by a person who is using the unit with your knowledge or consent; or (9) Glass ( MOTOR Homes Only). If the Declarations indicate that coverage is provided then glass is covered for all risks of physical loss or damage. EXTENSIONS OF COVERAGE: (1) Personal Property: Subject to the terms of Special Condition 5 hereunder, we agree to insure unscheduled personal property usual to a VACATION TRAILER , 5th Wheel TRAILER , CAMPER unit or MOTOR Home and only while contained in the described unit owned by you or for which you are legally liable, for an additional amount of insurance equal to $2, , at the same terms and conditions which govern the coverage on the unit .

6 (2) Detached Private Structures: If your unit is permanently sited, we insure structures or buildings separated from your unit , or permanently installed outdoor equipment on the premises on which your unit is situated for an additional amount of insurance equal to $2,500 at the same terms and conditions, which govern the coverage on the unit . The deductible applies to this coverage. This extension does not apply to MOTOR Homes. (3) Fire Department Charges: We will pay up to $500 for your liability, assumed by contract or agreement, for fire department charges incurred when the fire department is called to save or protect your property from a peril insured against. No deductible applies to this coverage.

7 (4) Debris Removal: We will pay for the reasonable expense incurred by you in the removal of debris of insured property as a result of loss by an insured peril. This extension shall not increase the limit of liability. Part 2 All Risks Replacement Cost Coverage BASIS OF CLAIM PAYMENT: We will pay for loss, damage or destruction of the unit on the basis of the cost of repairs with material of like kind and quality or to replace the unit with a current model year unit of like kind and quality (whichever is lesser) without deduction for depreciation, subject to policy limits, exclusions and: (1) that repair or replacement be made within 180 days of the date of loss; (2) that if you do not repair or replace, the basis of claim payment shall be that stated in Part 1 Named Perils Actual Cash Value Coverage.

8 And (3) the amount of loss shall not exceed the least of: (a) the replacement cost of the property at the time of the loss, damage or destruction; (b) your interest in the property; or (c) the applicable limit of insurance as specified in the policy and subject to any pro rata provision hereof. If the insurance applies to the property of more than one person, our total liability for loss sustained by those persons shall be limited in the aggregate to the applicable limit of insurance as shown in the Declarations. INSURED PERILS: You are insured against ALL RISKS of direct physical loss or damage to the unit from any external cause (including General Average and Salvage charges) except: (1) wear and tear or mechanical breakdown; (2) loss or damage caused by deterioration, dampness of atmosphere, extremes of temperature, contamination, vermin or insects, inherent vice or latent defect, rust or corrosion, wet or dry rot, mould, settling, expansion, contraction, shifting, bulging, buckling or cracking, unless loss or damage by fire or explosion ensues and then only for the loss or damage resulting from such ensuing fire or explosion; (3) the cost of making good faulty workmanship, construction or design.

9 (4) loss or damage to electrical devices or appliances caused by electrical current other than lightning, unless loss or damage by fire or explosion ensues and then only for the loss or damage resulting from such ensuing fire or explosion; (5) loss or damage as a result of your dishonest or wilful act; (6) any mysterious disappearance; or (7) (a) breakage of eyeglasses, glassware, statuary, marbles, bric-a-brac, chinaware, porcelains, and other fragile or brittle articles, or (b) marring or scratching of any property unless loss or damage occurs concurrently with other loss or damage caused by a peril insured against. EXTENSIONS OF COVERAGE: (1) Personal Property: Subject to the terms of Special Condition 5 hereunder, we agree to insure unscheduled personal property usual to a VACATION TRAILER , 5th Wheel TRAILER , CAMPER unit or MOTOR Home and only while contained in the described unit owned by you or for which you are legally liable, for an additional amount of insurance equal to $2, , at the same terms and conditions which govern the coverage on the unit .

10 2 (2) Detached Private Structures: If your unit is permanently sited, we insure structures or buildings separated from your unit , or permanently installed outdoor equipment on the premises on which your unit is situated for an additional amount of insurance equal to $2,500 at the same terms and conditions, which govern the coverage on the unit . The deductible applies to this coverage. This extension does not apply to MOTOR Homes. (3) Emergency VACATION Expense: In the event that you are using the unit on VACATION and the unit suffers damage or destruction from a peril insured against by this policy and is thereby rendered untenantable, we agree to reimburse you for any necessary emergency expense to a limit of $ per day, subject to an aggregate maximum of $1, for the lesser of: (a) the time required, with the exercise of due diligence and dispatch, to repair or replace the damaged or destroyed unit ; or (b) the time you remain on VACATION .