COVERAGE COMPARISON - Trust IFS

1 C O V E R A G E C O M PA R I S O NOne simple, easy way to protect your family and your we ve created protection around youand your a benefit-rich package policy that offers simplicity andconvenience: one policy that covers your home , autos and other property. Onepremium, onebill, onedeductible,1and oneannual renewal date from onetrusted Encompass Insurance, we re committed to helping you find one simple, easyway to help protect your family and your possessions. The EncompassOnePolicy gives you the flexibility to choose a COVERAGE level that matches yourneeds.

2 Following is a summary of key features of the Elite and Deluxe your Encompass independent agent about a complete list of policy Location Limit(Flexible settlement options)200% dwelling replacement value200% dwelling replacement valueEnhanced Replacement Cost (Pays forthe increased cost of construction aftera total loss)IncludedIncludedReplacement Cost on ContentsIncludedIncludedOpen Peril COVERAGE on ContentsIncludedOptional3 Water Backup of Sewers and DrainsIncludedIncluded in some states. Optional in most (Loss, theft or mysteriousdisappearance, no per item limit) and Furs$10,000 Included$5,000 IncludedSilverware$10,000 Included (theft or mysteriousdisappearance)$5,000 Included (theft)Accidental Fine Arts Glass BreakageIncludedOptionalMortgage Extra Expense$20,000 Included$20,000 IncludedAdditional Living ExpenseUnlimited.

3 No time limit. Additional toProperty Location widely by state. Additional toProperty Location Injury ( Liable/slander)IncludedIncludedOrdinance and LawUp to policy limits Up to policy limitsMold Remediation$10,000 Included$10,000 IncludedIdentity FraudIncludedOptionalCredit Cards, Forgery and CounterfeitMoney$10,000 Included$2,500 IncludedFirearms$5,000 Included (theft or mysteriousdisappearance)$2,500 Included (theft)Personal home ComputersNo sublimit, plus $5,000 to recreate dataUp to $10,000, plus $1,000 to recreate dataAnimals, Birds, Fish$500$500 Trees and Shrubs10% of residence value/ $1,000 per item$2,500 limit/$500 per itemBusiness Property On$10,000 $15,000 dependent on state$5,000 Business Property Off$5,000$2,500 Volunteer Wrongful Acts$10,000 (defense and judgment)$10,000 (defense and judgment)

4 Association Loss AssessmentDeductible COVERAGE $10,0004$5,0004 Property Coverage2 CoverageEliteDeluxeAccident and Minor Violation ForgivenessUnlimitedIncluded (First violation following 5 years accident free.)Credit for Existing InsuranceIncludedIncludedRental Car Loss of UseIncludedIncludedWindshield Repair with ComprehensiveCoverageIncludedIncludedWor ldwide Liability CoverageIncludedIncludedAutomobile Electronic EquipmentIncludedIncludedRental Reimbursement6$40 a day/$1,200 max per occurrence$30 a day/$900 max per occurrenceTrip Interruption (Reasonable)$100 a day/$500 totalOptionalAuto Emergency TransportationIncludedOptionalExtended Non-Owned VehicleIncludedN/ANew Car ReplacementOptionalOptionalUninsured/Und erinsured MotoristOptionalOptionalAccidental Airbag DeploymentOptionalOptionalLoan Lease Deficiency (GAP)OptionalOptionalAutomobile Coverage21 One deductible, the highest deductible, is applied when more than one property is damaged due to the same to the policy or ask your Encompass independent agent for complete list of coverages features and discounts.

5 Availability varies by with the Personal Property to limits. Check with your independent agent about limits available in your Ask your Encompass independent agent whether the Full Pay discount is available in your Rental Reimbursement COVERAGE optional in some don t forget to ask about money-saving discounts you may be eligible for: Driver Training Encompass Easy Pay Full Pay5 Future Effective Date Good Payer Good StudentYou can also add the following optional coverages to your EncompassOne Policy: HomeWork Supplement ( home -based business) Identity Fraud Lifestyle COVERAGE Other Motorized Vehicles Personal Umbrella Scheduled Personal Property home Ownership New Car Preferred Protection Protective Devices Safe DriverProtection and Security, Since 1897 Although the Encompass name is relatively new, ourpackage policy EncompassOneSMPolicy hasroots tracing back to 1897.

6 In the century-plus since,the package policy has undergone numerous , the focus on security and protection hasbeen unwavering. The same goes for our commitmentto providing innovative insurance solutions to hundredsof thousand of families. Our name has changed. Ourpriorities haven t. Encompass Events and Milestones1999-2000 Illinois-based Allstate Insurance Company purchases personal lines insurance business from CNA, which offers a package policy. TheEncompass name is continuing commitment to independent agents,customer service, and innovative insurance solutionsshows in our numbers: 2,800 Encompass independent agents in 41states, supported by 1,200 Encompass employees $ in written premium*EncompassOneSMPolicy DebutsOur package policy was named The EncompassOnePolicy in 2012, continuing our tradition of innovationand protection.

7 The EncompassOne Policy providesinsurance protection for your home and auto andcan protect your home with the Power of One onedeductible,1one bill and one agent. You ll enjoy asimpler, more convenient insurance the unfortunate event you have a claim you canrest assured we ll be there for you with our 24/7/365unsurpassed claims service. Please note: COVERAGE and features vary by state. Features and benefits outlined inthis brochure are for general information purposes only and are not available in allstates. Please refer to the policy or ask your Encompass independent agent foradditional information.

8 * Written premium for 12-month period ending May is subject to terms, qualifications and availability. Other terms and exclusions may apply. Encompass InsuranceCompany of America, Encompass Property and Casualty Company, Encompass Independent Insurance Company, EncompassHome and Auto Insurance Company, Encompass Insurance Company of Massachusetts, Encompass Indemnity Company,Encompass Insurance Company: Northbrook, IL. Availability from a particular company varies by state. PI-476-1 08/13 The Encompass StoryEncompass Insurance is one of the largest personal property and casualty insurancebrands sold exclusively through a network of more than 2,800 independent agents in 41 states, serving more than million customers.

9 Find out more about Encompass and the Encompass OneSMPolicy