HOMEOWNERS HO 00 04 10 00 HOMEOWNERS 4 – …

1 HOMEOWNERSHO 00 04 10 00HO 00 04 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 1 of 19 HOMEOWNERS 4 CONTENTS BROAD FORMAGREEMENTWe will provide the insurance described in this policyin return for the premium and compliance with allapplicable provisions of this this policy, "you" and "your" refer to the "namedinsured" shown in the Declarations and the spouseif a resident of the same household. "We", "us"and "our" refer to the Company providing this addition, certain words and phrases are definedas follows:1."Aircraft Liability", "Hovercraft Liability", "MotorVehicle Liability" and "Watercraft Liability",subject to the provisions in b.

2 Below, mean for "bodily injury" or "property dam-age" arising out of the:(1)Ownership of such vehicle or craft by an"insured";(2)Maintenance, occupancy, operation,use, loading or unloading of such vehicleor craft by any person;(3)Entrustment of such vehicle or craft byan "insured" to any person;(4)Failure to supervise or negligent super-vision of any person involving such vehi-cle or craft by an "insured"; or(5)Vicarious liability, whether or not im-posed by law, for the actions of a child orminor involving such vehicle or the purpose of this definition:(1)Aircraft means any contrivance used ordesigned for flight except model orhobby aircraft not used or designed tocarry people or cargo;(2)Hovercraft means a self-propelled mo-torized ground effect vehicle and in-cludes, but is not limited to, flarecraftand air cushion vehicles.

3 (3)Watercraft means a craft principallydesigned to be propelled on or in waterby wind, engine power or electric motor;and(4)Motor vehicle means a "motor vehicle"as defined in 7. "Bodily injury" means bodily harm, sickness ordisease, including required care, loss of serv-ices and death that "Business" trade, profession or occupation engagedin on a full-time, part-time or occasional ba-sis; other activity engaged in for money orother compensation, except the following:(1)One or more activities, not described in(2) through (4) below, for which no "in-sured" receives more than $2,000 in to-tal compensation for the 12 months be-fore the beginning of the policy period.

4 (2)Volunteer activities for which no moneyis received other than payment for ex-penses incurred to perform the activity;(3)Providing home day care services forwhich no compensation is received,other than the mutual exchange of suchservices; or(4)The rendering of home day care serv-ices to a relative of an "insured".4."Employee" means an employee of an "in-sured", or an employee leased to an "insured"by a labor leasing firm under an agreementbetween an "insured" and the labor leasingfirm, whose duties are other than those per-formed by a "residence employee".

5 5."Insured" and residents of your household whoare:(1)Your relatives; or(2)Other persons under the age of 21 andin the care of any person named above; student enrolled in school full time, asdefined by the school, who was a residentof your household before moving out to at-tend school, provided the student is underthe age of:(1)24 and your relative; or(2)21 and in your care or the care of aperson described in a.(1) above; orPage 2 of 19 Copyright, Insurance Services Office, Inc., 1999 HO 00 04 10 Section II:(1)With respect to animals or watercraft towhich this policy applies, any person ororganization legally responsible for theseanimals or watercraft which are ownedby you or any person included in a.

6 Or "Insured" does not mean a per-son or organization using or havingcustody of these animals or watercraft inthe course of any "business" or withoutconsent of the owner; or(2)With respect to a "motor vehicle" towhich this policy applies:(a)Persons while engaged in your em-ploy or that of any person included ina. or b. above; or(b)Other persons using the vehicle onan "insured location" with your both Sections I and II, when the word animmediately precedes the word "insured", thewords an "insured" together mean one or more"insureds".

7 6."Insured location" "residence premises"; part of other premises, other structuresand grounds used by you as a residence;and(1)Which is shown in the Declarations; or(2)Which is acquired by you during thepolicy period for your use as a resi-dence; premises used by you in connectionwith a premises described in a. and ; part of a premises:(1)Not owned by an "insured"; and(2)Where an "insured" is temporarily resid-ing; land, other than farm land, owned byor rented to an "insured"; owned by or rented to an "insured" onwhich a one, two, three or four familydwelling is being built as a residence for an"insured"; or family cemetery plots or burialvaults of an "insured"; part of a premises occasionally rentedto an "insured" for other than "business" "Motor vehicle" self-propelled land or amphibious vehicle.

8 Trailer or semitrailer which is beingcarried on, towed by or hitched for towing bya vehicle described in a. "Occurrence" means an accident, includingcontinuous or repeated exposure to substan-tially the same general harmful conditions,which results, during the policy period, in:a."Bodily injury"; orb."Property damage".9."Property damage" means physical injury to,destruction of, or loss of use of tangible "Residence employee" employee of an "insured", or an em-ployee leased to an "insured" by a laborleasing firm, under an agreement betweenan "insured" and the labor leasing firm,whose duties are related to the mainte-nance or use of the "residence premises",including household or domestic services; who performs similar duties elsewherenot related to the "business" of an "insured".

9 A "residence employee" does not include atemporary employee who is furnished to an "in-sured" to substitute for a permanent "residenceemployee" on leave or to meet seasonal orshort-term workload "Residence premises" one family dwelling where you reside; two, three or four family dwelling whereyou reside in at least one of the family units; part of any other building where youreside;and which is shown as the "residence prem-ises" in the Declarations."Residence premises" also includes otherstructures and grounds at that otherwise noted in this policy, the followingdeductible provision applies:Subject to the policy limits that apply, we will pay onlythat part of the total of all loss payable under Section Ithat exceeds the deductible amount shown in 00 04 10 00 Copyright, Insurance Services Office, Inc.

10 , 1999 Page 3 of 19 SECTION I PROPERTY COVERAGESA. Coverage C Personal Property1. Covered PropertyWe cover personal property owned or used byan "insured" while it is anywhere in the a loss and at your request, we will coverpersonal property owned while the property is on the part ofthe "residence premises" occupied by an"insured"; guest or a "residence employee", whilethe property is in any residence occupied byan "insured".2. Limit For Property At Other ResidencesOur limit of liability for personal property usuallylocated at an "insured's" residence, other thanthe "residence premises", is 10% of the limit ofliability for Coverage C, or $1,000, whichever isgreater.