{"id":"court_ctb_1787_9","court":"CTB","case_no":"22-50073","doc_number":1787,"sub_number":9,"doc_type":"UNKNOWN","filed_date":"2023-05-12","title":"INSURED COPY 0061821440 0051997 03/06/2023 0001187 07 SP 2.700 \\*-SNGLP T 6072 10166 -C03-P01188-I 2","summary_zh":null,"summary_en":null,"body_en":"**INSURED COPY 0061821440 0051997 03/06/2023**\n\n0001187 07 SP 2.700 \\*-SNGLP T 6072 10166 -C03-P01188-I 2\n\n# • **1111 IIII111 , 11111, 1,, 11, 111111 1111 11 1** • **111** • **1111 1111 1** • **1** • **11** I I I I I II **1**\n\n~e Genever Holdings LLC Lus **A.** Despins Ch 11 Trustee of Ho Wan Kwok 200 Park Ave New York NY 10166\n\n\n\n\n\n**AIG Private** Client **Group**\n\nAIG Property Casualty Company\n\n(Name of issuing company)\n\nEndorsement\n\nEffective: 03/16/2023\n\n# **POLICY CHANGE NOTICE PLEASE SEE YOUR REVISED DECLARATIONS PAGE**\n\nYour Declarations Page shows at a glance the coverage you have and your premium. Your Declarations Page is part of your policy. Please read your policy carefully, including your Declarations Page and any attached Endorsements, for a description of your coverage.\n\n**Policy Number:**\n\nPCG 0061821440\n\n#### **Name of Insured Mailing Address:**\n\nGenever Holdings LLC Lus A. Despins Ch 11 Trustee of Ho Wan Kwok 200 Park Ave New York, NY 10166 USA\n\n**Policy Period:** 03/06/2023 -03/06/2024 At 12:01 A.M. standard time at your mailing address shown below\n\n**Agency Name, Address, Phone** # & **Code:**\n\nWolfson Insurance Brokerage, Inc. 358 Fifth Avenue, 8th Floor New York, NY 10001\n\n(212) 683-2622 - 0051997\n\n#### **YOUR POLICY HAS BEEN CHANGED**\n\n**Effective Date:** 03/1 6/2023 **Summary of Change:** Amend Mailing address\n\nChanges to Annual Premium: Revised Annual Premium: \\$66,358.00 Premium charge for endorsement: \\$0\n\nFrom: 03/16/2023 To: 03/06/2024\n\n\n\nCase 22-50073 Doc 1787-9 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 5 of\n\n68\n\nAIG Private Client Group\n\n\n\nAIG Property Casualty Company (Name of issuing company) Endorsement Effective: 03/16/2023\n\n# **New York Homeowners Declarations Page**\n\nYour Declarations Page shows at a glance the coverage you have and your premium. Your Declarations Page is part of your policy. Please read your policy carefully, including your Declarations Page and any attached Endorsements, for a description of your coverage.\n\n**Name of Insured and Mailing Address:** Genever Holdings LLC Lus A. Despins Ch 11 Trustee of Ho Wan Kwok 200 Park Ave New York, NY 10166 USA\n\n**Policy Number: Policy Period:** 03/06/2023 - 03/06/2024 PCG **0061821440** At 1 Z:01 A.M. standard tirne at your mailing address shown below\n\n**Agency Name, Address, Phone#** & **Code:**\n\nWolfson Insurance Brokerage, Inc. 358 Fifth Avenue, 8th Floor New York, NY 10001\n\n(21 2) 683-2622 - 0051997\n\n# **YOU Will BE BILLED SEPARATELY FOR ANY PREMIUM DUE.**\n\nThe kind of losses that are covered and any special limits or deductibles that apply, are explained in detail in your Policy.\n\n#### **Summary of Coverage by Location:**\n\n#### **781 Fifth Avenue, 18th Floor, New York, NY 10022**\n\n| COVERAGE | PAYMENT BASIS | | COVERAGE LIMIT |\n|----------------------------------------------------------------------------------------|------------------|-------------------------------|--------------------------|\n| Combined Additions and
Alterations and Contents | Replacement Cost | | \\$28,194,359 |\n| Additional Living Expense
Liability | | | Unlimited
\\$1,000,000 |\n| Medical Payments | | | \\$10,000 |\n| A deductible of \\$10,000 applies to this location unless a special deductible applies. | | Location Premium: \\$66,358.00 | |\n\nA deductible of \\$10,000 applies to this location unless a special deductible applies.\n\n#### **Forms and Endorsements Attached for Location:**\n\nPCHO-WC-NY (03/14), PCHO-DWLL (09/06), PCHO-AINT (08/00), PCHO-EB (09/06), PCG-PRIVNOT (09/21) PCHO-AENY (09/06), PCHO-DEC-NY (05/13), HNOT-NY (01/95), PCHO-FUNGINOT-NY (05/08) PCHO-IFR-NY (09/06), PCG-CRNOTR-NY (12/09), PCG-OESNOT-NY (02/21 ), PCHO (09/06) PCG-FEENOTICE (08/18), 91222 PCG (09/16), PCG-CL NO (06/06), PCGOFACNOT (07 /14) PCG-OFAC (05/22), PCHO-CHGN (07/01) PCG-MAN (01 /05)\n\n**Total Premium** : **\\$66,358.00**\n\nCase 22-50073 Doc 1787-9 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 6 of 68\n\n~\n\n| WHAT DOES AMERICAN INTERNATIONAL GROUP, INC. (AIG) DO WITH YOUR
PERSONAL INFORMATION? |\n|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|\n| Financial companies choose how they share your personal information. Federal
law gives consumers the right to limit some but not all sharing. Federal law also
requires us to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand what we do. |\n| The types of personal information we collect and share depend on the
product or service you have with us. This information can include:
• Social Security number and Medical Information
• Income and Credit History
• Payment History and Employment Information |\n| When you are no longer our customer, we continue to share your
information as described in this notice.
All financial companies need to share customers' personal information to run
their everyday business. In the section below, we list the reasons financial
companies can share their customers' personal information; the reasons AIG
chooses to share; and whether you can limit this sharing. |\n\n| Reasons we can share your personal information | Does AIG share? | Can you limit
this sharing? |\n|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------|--------------------------------|\n| such as to process
For our everyday business purposes -
your transactions, maintain your account(s), respond to court
orders and legal investigations, conduct research including
data analytics, or report to credit bureaus | Yes | No |\n| to offer our products
For our marketing purposes -
and services to you | Yes | No |\n| For joint marketing with other financial companies | Yes | No |\n| For our affiliates' everyday business purposes -
information about your transactions and experiences | Yes | No |\n| For our affiliates' everyday business purposes -
information about your creditworthiness | No | We don't share |\n| For nonaffiliates to market to you | No | We don't share |\n\n**Questions?**\n\nFor AIG Insurance Companies: Call 866,.244-4786; Fax: 212-458-7081 or E-Mail: CIPrivacy@aig.com\n\nFor Pet insurance sold by AIG Insurance Companies: Call 866-937-7387 or E-Mail:\n\nCIPrivacy@aig.com\n\nFor LiveTravel, Inc., Travel Guard Group, Inc. or AIG Travel Assist, Inc.: Call 866-244-4786 **or E-Mail: CIPrivacy@aig.com**\n\n| Who we are | 68 |\n|--------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|\n| Who is providing this notice? | The insurance company subsidiaries of American International Group, Inc. (AIG)
underwriting property-casualty, accident & health, life insurance and related
services ahd cert_ain marketing subsidiaries of AIG listed below. |\n| What we do | |\n| How does AIG protect my
personal information? | To protect your personal information from unauthorized access and use, we
use security measures that comply with federal law. These measures include
computer safeguards and secured files and buildings. We restrict access to
employees, representatives, agents, or selected third parties who have been
trained to handle nonpublic personal information. |\n| How does AIG collect my
personal information? | We collect your personal information, for example, when you
• apply for insurance or pay insurance premiums
• file an insurance claim or give us your income information
• provide employment information
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies. |\n| Why can't I limit all sharing? | Federal law gives you the right to limit only
• sharing for affiliates' everyday business purposes-information about your
creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit
sharing. See below for more on your rights under state law. |\n| Definitions | |\n| Affiliates | Companies related by common ownership or control. They can be financial and
nonfinancial companies.
• Our affiliates include the member companies of American International Group,
Inc., such as National Union Fire Insurance Company of Pittsburgh Pa. |\n| Nonaffiliates | Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
• AIG does not share with nonaffi/iates so they can market to you. |\n| Joint marketing | A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
• Our joint marketing partners include companies with which we jointly offer
insurance products, such as a bank. |\n\n# Other important information\n\nThis notice is provided by American Home Assurance Company; AIG Assurance Company; AIG Property Casualty Company; AIG Specialty Insurance Company; Commerce and Industry Insurance Company; Granite State Insurance Company; Illinois National Insurance Co.; Lexington Insurance Company; AIU Insurance Company; National Union Fire Insurance Company of Pittsburgh, Pa.; National Union Fire Insurance Company of Vermont; New Hampshire Insurance Company; The Insurance Company of the State of Pennsylvania; (collectively the \"AIG Insurance Companies\"). This notice is also provided by certain marketing subsidiaries of AIG, including Morefar Marketing, Inc., LLC, Travel Guard Group, Inc., AIG Travel Assist, Inc. and LiveTravel, Inc. who market insurance or non-insurance products and services to consumers.\n\n\n\n**For Vermont Residents only.** We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found using the contact information above for Questions.\n\n**For California Residents only.** We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account.\n\nFor Nevada Residents Only. We are providing this notice pursuant to Nevada state law. You may elect to be placed on our internal Do Not Call list by contacting us as listed above, Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: aginfo@ag.nv.gov. You may contact the applicable customer service department using the contact information above or by writing to us at Privacy Officer, 1271 Ave of the Americans, FL 37, New\n\nYou have the right to see and, if necessary, correct personal data. This requires a written request, both to see your personal data and to request correction. We do not have to change our records if we do not agree with your correction, but we will place your statement in our file. If you would like a more detailed description of our information practices and your rights, please write to us\n\nYork, NY 10020- 1304.\n\nat: Privacy Officer, CIPrivacy@aig.com.\n\n\n\n#### NOTICE **NOTICE**\n\n68\n\n#### To report a claim, please contact: **To report a claim, please contact:**\n\n#### + 1-888-760-9195 + **1-888-760-9195**\n\n PCG-CL NO (06/06) PCG-CL NO (06/06)\n\nAIG Private Client Group\n\n\n\n# **POLICYHOLDER NOTICE**\n\n68\n\nThank you for purchasing insurance from a member company of American International Group, Inc. (AIG). The AIG member companies generally pay compensation to brokers and independent agents, and may have paid compensation in connection with your policy. You can review and obtain information about the nature and range of compensation paid by AIG member companies to brokers and independent agents in the United States by visiting our website at www.aig.com/producer-compensation or by calling 1-800-706-3102.\n\n~\n\n# **IMPORT ANT NOTICE REGARDING YOUR POLICY**\n\n#### **Installment Fees**\n\nYour policy will be assessed an installment fee per installment, unless Full Payment has been selected. The fee amount is disclosed on your Billing Statement.\n\nCase 22-50073 Doc 1787-9 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 16 of\n\n68\n\nby a.\n\n~\n\n\n\n#### **IMPORTANT NOTICE TO SENIOR POLICYHOLDERS - NEW YORK**\n\nInsureds sixty-five years of age or older may make a written request to the insurer to name a designee to receive notices of cancellation and nonrenewal. If for any reason a cancellation or nonrenewal notice is sent to the named insured, the named insured's designee will also receive a copy of the notice.\n\nNew York law requires that the notification by the senior citizen insured to the insurance company advising of the third party designation shall include a written acceptance by the third party designee. Such notification must be delivered to the company by certified mail, return receipt requested to:\n\n**AIG Property Casualty Company Attn: Client Services 1271 Avenue of the Americas New York, NY 10020**\n\nIf you want to name a third-party designee, please provide the designee's information below. Please sign your name and have the designee provide their signature as well.\n\nj Policy Number: PCG 0061821440\n\nSignature: \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ \\_\n\nDESIGNATION AS A THIRD PARTY DOES NOT CONSTITUTE AN ACCEPTANCE OF ANY LIABILITY. IF AT ANY TIME YOU WANT TO TERMINATE THIS DESIGNEE AGREEMENT YOU MUST SEND WRITTEN NOTIFICATION TO BOTH THE COMPANY AND THE SENIOR CITIZEN INSURED.\n\n| Designee Name: | | |\n|----------------|----------|----------|\n| Address: | | |\n| City: | l
ST: | I
Zip |\n\n(Signature of Designee) (Date)\n\nInsured Copy\n\n~\n\n68\n\n(Signature of Designee) (Date)\n\nPCG-DESNOT-NY (02/21) © American International Group, Inc. All rights reserved. Page 1 of 1\n\n#### 6072-03-00-0001187-0010-0033957\n\n68\n\n\n\n# **IMPORTANT NOTICE TO SENIOR POLICYHOLDERS** - **NEW YORK**\n\nInsureds sixty-five years of age or older may make a written request to the insurer to name a designee to receive notices of cancellation and nonrenewal. If for any reason a cancellation or nonrenewal notice is sent to the named insured, the named insured's designee will also receive a copy of the notice.\n\nNew York law requires that the notification by the senior citizen insured to the insurance company advising of the third party designation shall include a written acceptance by the third party designee. Such notification must be delivered to the company by certified mail, return receipt requested to:\n\n**AIG Property Casualty Company Attn: Client Services 1271 Avenue of the Americas New York. NY 10020**\n\n**If you want to name a third-party designee, please provide the designee's information below. Please sign your name and have the designee provide their signature as well.**\n\nI Policy Number: PCG 0061 8 21440\n\nSignature: -------------\n\nDESIGNATION AS A THIRD PARTY DOES NOT CONSTITUTE AN ACCEPTANCE OF ANY LIABILITY. IF AT ANY TIME YOU WANT TO TERMINATE THIS DESIGNEE AGREEMENT YOU MUST SEND WRITTEN NOTIFICATION TO BOTH THE COMPANY AND THE SENIOR CITIZEN INSURED.\n\n| Designee Name: | | |\n|----------------|-------|----------|\n| Address: | | |\n| City: | 1 ST: | I
Zip |\n\nCompany Copy\n\n\n\n# **THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.**\n\n# **ECONOMIC SANCTIONS ENDORSEMENT**\n\nThe following is added to the policy to which it is attached:\n\nThe Insurer shall not be deemed to provide cover and the Insurer shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Insurer, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or the United States of America.\n\n\n\n6072-03-00-0001 187-001 1-0033958 6072-03-00-0001187-0011-0033958 Your rights as a policyholder and payments to you, any insured, additional insured, loss payee, mortgagee, or claimant, for loss under this policy may be affected by the administration and enforcement of U.S. economic embargoes and trade sanctions by the OFFICE OF FOREIGN ASSETS CONTROL (\"OFAC\").\n\nThe United States imposes economic sanctions against countries, groups and individuals, such as terrorists and narcotics traffickers. These sanctions prohibit US persons from dealing with these sanctioned parties. The purpose of this notice is to inform you that we cannot violate US sanctions by engaging with sanctioned countries or people.\n\n#### **WHAT IS OFAC?**\n\nOFAC is an office of the Department of the Treasury and acts under presidential wartime and national emergency powers, as well as authority granted by specific legislation, to impose controls on transactions and freeze foreign assets under U.S. jurisdiction. OFAC administers and enforces economic embargoes and trade sanctions primarily against:\n\n- \\_Targeted foreign countries and their agents\n- Terrorism sponsoring agencies and organizations\n- International narcotics traffickers\n- Proliferators of Weapons of Mass Destruction\n\n#### **PROHIBITED ACTIVITY**\n\n- OFAC enforces certain embargoes and sanctions against designated countries. No U.S. business or person may enter into transactions involving designated \"sanctioned\" countries.\n- OFAC publishes on its website a list known as the \"Specially Designated Nationals and Blocked Persons\" (\"SDNBP\") list. No U.S. business or person may enter into transactions involving any person or entity named on the SDNBP list.\n\nAdditional information about OFAC Sanctions Programs and Countries can be found at: htt /sanctions/Program sf Pages/Programs. aspx\n\n#### **OBLIGATIONS PLACED ON US BY OFAC**\n\nIf we determine that you or any insured, additional insured, loss payee, mortgagee, or claimant are on the SDNBP list or are connected to a sanctioned country as described in the regulations, we must block or \"freeze\" property and payment of any funds transfers or transactions.\n\n#### **POTENTIAL ACTIONS BY US**\n\n1 . We shall not be deemed to provide cover when it would violate any applicable sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America. You will not receive a return premium unless approved by OFAC. All funds will be placed in an interest bearing blocked account established on the books of a U.S. financial institution.\n\n2. We will not pay a claim or provide any benefit to the extent that such cover, payment of such claim or provision of such benefit would violate any trade or economic sanctions, laws or regulations of the United States of America and we will not defend or provide any other benefits under your policy to individuals, entities or companies to the extent that it would violate any trade or economic sanctions, laws or regulations of the United States of America.\n\n#### **YOUR RIGHTS AS A POLICYHOLDER**\n\nIf funds are blocked or frozen by us in conjunction with the OFFICE OF FOREIGN ASSETS CONTROL, you may complete an \"APPLICATION FOR THE RELEASE OF BLOCKED FUNDS\" and apply for a specific license to request their release. Forms are available for download at the OFAC website. See htt ustreas .gov /offices/eotffc/ofac/legal/forms/1 icense. pdf\n\n~\n\n68\n\n\n\nAIG Private Client Group\n\n# **HOMEOWNERS COVERAGE**\n\n# **QUICK REFERENCE**\n\n**Declarations Page**\n\n**Your Name and Address Transaction Policy Period Coverage Limits Premium Forms**\n\nCoverage is provided by the American International Group, Inc., member company named on the Declarations Page. Each is a stock company.\n\n| Policy Provisions | Beginning on Page | |\n|---------------------------------------|-------------------|--|\n| PART I -
Definitions | 1 | |\n| PART II -
Property | 2 | |\n| A. Insuring Agreement | | |\n| B. Payment of a Loss | | |\n| C. Additional Coverages | | |\n| D. Exclusions | | |\n| PART Ill -
Liability | 9 | |\n| A. Insuring Agreement | | |\n| B. Payment of a Loss | | |\n| C. Defense Coverage and Claim Expense | | |\n| D. Additional Coverages | | |\n| E. Exclusions | | |\n| PART IV -
Conditions | 11 | |\n| | | |\n\nThe Contract together with the Declarations Page and Endorsements, if any, complete the policy.\n\n# THIS POLICY IS NOT COMPLETED WITHOUT A DECLARATIONS PAGE\n\n#### **HOMEOWNERS COVERAGE** - **POLICY PROVISIONS**\n\nThe insurance company named on your Declarations Page will provide the insurance described in this policy. You agree to pay the premium and comply with your responsibilities described in this policy.\n\nVarious provisions in this policy restrict or exclude coverage. Read the entire policy carefully to determine your rights and duties, and what is and is not covered. We have no duty to provide coverage unless there has been full compliance with policy PART IV - CONDITIONS.\n\n#### **PART** I - **DEFINITIONS**\n\nWords with special meanings are defined here or in the part of the policy where they are used. Throughout the policy, defined terms will · be balded when used.\n\nIn this policy, the words \"you\", \"your\" and \"yours\" refer to the person or persons named on the Declarations Page and his or her \"spou~e\" who lives in the same household. The words \"we\", \"us\", \"our\" and \"ours\" mean the insurance company named on the Declarations Page.\n\nAs used herein, a Declarations Page includes any schedule that supplements it.\n\nAlso, in this policy the words:\n\n**Aircraft** means any contrivance used or designed for flight, except model or hobby craft not used or designed to carry people or cargo.\n\n**Bodily Injury** means bodily harm, including resulting sickness or disease, required care, loss of services or death.\n\n**Business** means a part-time or full-time trade, occupation or profession, including farming or ranching, other than **incidental business.**\n\n**Contents** means personal property owned by, or in the possession of, you or a **family member.**\n\nFor any **residence** listed on the Declarations Page that is a condominium or cooperative, or rental unit, **contents** includes additions, alterations, items of real property, installations or fixtures that you paid for or acquired at your expense along with the **residence.** The property must be your insurance responsibility under the governing rules of the Condominium or Cooperative Association.\n\n**Damages** means the sum required to satisfy any claim covered by this policy, whether settled and agreed to in writing by us or resolved by judicial review.\n\n**Family Member** means a person related to you by blood, marriage or adoption that lives in your household including a ward or foster child.\n\nFungi means any type or form of fungus, including but not limited to all forms of mold or mildew, and any mycotoxins, spores, scents, vapors, gas or substance, including any by-products, produced or released by **fungi.**\n\n**House** means the owned one, two, three or four family dwelling at which you reside, intend to reside, or any location named on the Declarations Page that is not a condominium or a cooperative.\n\n**Incidental Business** means a **business** activity that does not produce gross revenues in excess of \\$10,000 in any year, has no employees subject to workers' compensation or other similar disability laws, and conforms to federal, state and local laws. **Incidental business** includes the **business** of farming provided that it does not involve employment of others for more than 1,250 hours of farm work during the Policy Period, and does not produce more than \\$25,000 in gross annual revenues from the raising or care of animals or agriculture. **Incidental business** includes **residences** listed on the Declarations Page that you own and rent to others.\n\n**Insured person** means:\n\n- **a.** You or a **family member;**\n- **b.** An Additional Insured named in the policy;\n- c. Any person given permission by you or a **family member** to use a vehicle or **watercraft** covered under this policy with respect to their legal responsibility arising out of its use; or\n- **d. A spouse. A spouse** is a marriage partner. The term **spouse** also includes an individual registered under state law as a domestic partner of the **insured person** shown on the Declarations Page.\n\n**Landscaping** means your trees, lawn, shrubs, and other plants, not including forestry or brush, on the grounds of your **residence.**\n\n**Medical Expenses** means reasonable charges for medical, dental, hospital, surgical, X-ray, prosthetic devices, professional nursing, ambulance, and funeral services.\n\n**Occurrence** means:\n\n- a. A loss or an accident, to which this insurance applies, including continuous or repeated exposure to substantially the same general harmful conditions, which occurs during the Policy Period and results in **personal injury** or **property damage;** or\n- **b. An** offense, to which this insurance applies, including a series of related offenses, committed during the Policy Period that results in **personal injury** or **property damage.**\n\n**Other Permanent Structures** means outdoor structures you own that are situated on the grounds of your **residence.**\n\n**Personal Injury** means the following injuries, or resulting death:\n\n- **a. Bodily injury;**\n- **b.** Wrongful detention, false imprisonment or false arrest;\n- **c.** Shock, emotional distress, mental injury;\n- **d.** Invasion of privacy;\n- **e.** Defamation, libel or slander;\n- **f.** Malicious prosecution;\n- **g.** Wrongful entry or eviction; or\n- **h.** Assault and battery when committed with the intent of protecting persons.\n\n**Property Damage** means physical injury to, destruction of, or loss of use of tangible property and the resulting loss of its use.\n\n**Reconstruction Cost** means the lesser of the amount at the time of the loss required to:\n\n- **a.** Restore or repair a structure; or\n- **b.** Replace or rebuild a structure at the same location;\n\nwith materials of like kind and quality. **Reconstruction cost** does not include any amount required for the excavation, replacement or stabilization of land under or around a structure.\n\n#### **Recreational Motor Vehicle** means:\n\n- a. A motorized land vehicle designed for use off public roads and not subject to motor vehicle registration or operator licensing;\n- **b.** A motorized land vehicle in dead storage at your **residence;** or\n- c. A motorized land vehicle used solely on and to service a location shown on the Declarations Page.\n\n**Residence** means any of the following which is listed on the Declarations Page:\n\n- **a.** Any **house, other permanent structures** and grounds that you own;\n- **b.** Any condominium unit, cooperative, or apartment that you own or reside in; or\n- **c.** Any other type of home you rent to live in.\n\n#### **Residence Employee** means:\n\n- **a.** Your employee whose duties are related to the maintenance or use of the **residence** premises, including household or domestic services; or\n- **b.** One who performs similar duties elsewhere not related to your **business.**\n\n**Watercraft** means a boat or craft designed for use on, *over* or under water.\n\n#### **PART** II - **PROPERTY**\n\n#### **A. Insuring Agreement**\n\n68\n\nThis policy covers you against all risks of direct physical loss or damage to your **house, contents** and **other permanent structures** unless an exclusion applies.\n\n#### **B. Payment of a Loss**\n\n**1.** Amount of Coverage for Your **House** and **Other Permanent Structures**\n\nThe amount of coverage for each **house** and for **other permanent structures** at each location shown on the Declarations Page is determined by the payment basis shown on the Declarations Page:\n\n**a.** *Guaranteed Rebuilding Cost Coverage*\n\nWe will pay Guaranteed Rebuilding Cost when shown on the Declarations Page of this policy. Guaranteed Rebuilding Cost coverage means that for a covered loss we will pay the **reconstruction cost** of your **house** or **other permanent structures,** for each **occurrence,** even if this amount is greater than the amount of coverage shown on the Declarations Page. However, you must begin to repair or rebuild your **house** or **other permanent structures** within two years from the date of loss at the same location. If not, the maximum payable is the coverage limit shown for that location on the Declarations Page.\n\n#### b. *Replacement Cost Coverage*\n\nWe will pay Replacement Cost when shown on the Declarations Page of this policy. Replacement Cost Coverage means that for a covered loss we will pay the **reconstruction cost** of your **house** or **other permanent structures,** up to the coverage limit shown for that location on your Declarations Page, for each **occurrence.** For a covered total loss we will pay the **reconstruction cost** up to the coverage limit shown for that location on your Declarations Page, for each **occurrence,** whether or not you actually rebuild your **house** or **other permanent structures.** The amount of coverage will be increased daily to reflect the current effect of inflation. At the time of a covered loss, your **house** and **other permanent structures** coverage will include any increase in the United States Consumer Price Index from the beginning of the Policy Period.\n\nYour payment basis is subject to the following restriction. If at any time during the policy period, you are newly constructing your **house** or **other permanent structures;** constructing additions; or undergoing renovations equal to or in excess of the lesser of 10% of the **house** coverage limit or \\$500,000, and/or it results in your moving out of the **house** for any period of time, the payment basis for your **house** or **other permanent structures is the reconstruction cost** less depreciation. This limitation will not apply if **we otherwise give our prior written consent.**\n\nWe may change the amount of coverage shown on the Declarations Page when the policy renews or when appraisals are conducted to reflect current costs and values.\n\n**2.** Amount of Coverage For Your **Contents**\n\nThe coverage amount for your **contents** for each covered **residence** is listed on your Declarations Page. The amount we will pay for a covered loss will depend on where the **covered loss occurs:**\n\nAt a **Residence;**\n\n- **a.** If a loss occurs to **contents** located at a **residence with contents coverage:**\n\t- i. Listed on the Declarations Page of this policy:\n\nWe will pay up to the coverage limit for **contents** for that location, for each **occurrence; or**\n\nii. Under another Homeowners policy in force with us:\n\nWe will not pay any amount under this policy.\n\n**b.** If a loss occurs to **contents** located at a **residence** that does not have **contents coverage or at a house, condominium, cooperative or rental unit owned or** rented by the **insured person** not listed on the Declarations Page of this policy or any other policy issued by us or one of our affiliated companies:\n\nWe will pay up to 10% of the highest coverage limit for **contents** of any single location listed in this policy, for each **occurrence.** Payment will be made based on the single location and will not be made under more than one policy issued by us or one of our affiliated companies.\n\nHowever, **contents** at a newly acquired **residence** are not subject to this limitation for sixty (60) days after you begin to move property there.\n\nAway From a **Residence;**\n\nc. If a loss occurs to **contents** located away **from any residence or location you own** or live at:\n\nWe will pay up to the highest coverage limit for **contents** for any single location listed in this policy, for each **occurrence.** Payment will be made based on the single location and will not be made under more than one policy issued by us or one of our affiliated companies.\n\nThe most we will pay for a covered loss is the lesser of the amount required to repair the damage or the full cost to replace the **contents** without deduction for depreciation, up to the **coverage limit.**\n\nHowever, the most we will pay for a covered loss is the cost to repair or replace the **contents** less depreciation, up to the coverage limit, if the **contents** are obsolete or unusable for the purpose for which they were originally intended because of their age or condition.\n\nIf, after a covered loss to both **house** and **contents,** we pay more than the coverage limit for **house** coverage because of Guaranteed Rebuilding Cost, we will automatically increase the amount of **contents** coverage for that loss by the same percentage that we increased the **amount of house coverage.**\n\nThe amount of coverage for your **contents** will be increased daily to reflect the current effect of inflation. At the time of a covered loss, your **contents coverage will include any increase in** the United States Consumer Price Index from the beginning of the Policy Period.\n\n**3.** Deductible\n\nThe deductible shown on the Declarations Page is the amount of a covered loss you will pay for each **occurrence.**\n\nYour deductible shown on the Declarations Page will be reduced by any other deductible in this policy unless the deductible is a special deductible such as hurricane, wind and hail, or named storm.\n\nConstruction deductible. If at any time during the Policy Period, you are newly constructing your **house** or **other permanent structures; constructing additions; or undergoing renovations equal to or in excess of** the lesser of 10% of the **house** coverage limit or \\$500,000, and/or it results in your moving out of the **house** for any period of time, a 5 % construction special deductible will apply to each **occurrence** in lieu of a base deductible. This deductible applies to **your house, other permanent structures, contents,** and additional coverages. The dollar amount of this deductible is based on the **house** coverage limit shown on the Declarations Page for that location at the time of the loss. This deductible does not eliminate any other special deductibles that may apply. If the deductible waiver for large losses endorsement was selected, that endorsement will not apply. The construction deductible will not apply to the loss if we **otherwise give our prior written consent.**\n\n4. Pairs, Sets and Parts\n\nFor a covered loss to a pair or set, we will pay whichever is less:\n\na. The cost to replace the lost or damaged property;\n\n\n\n- **b.** The cost to restore or repair the damaged property to its pre-loss condition;\n- c. The difference between the market value of the pair or set before the loss and after the loss; or\n- **d.** The amount of coverage.\n\nHowever, we will pay you the full replacement cost of the entire pair or set if you agree to surrender the remaining article(s) of the pair or set to us.\n\n- **5.** Special Limits of Liability\n\t- **a.** The limit shown for each of the following categories is the maximum we will pay for a covered loss to that type of **contents.** These special limits do not increase the amount of coverage of your **contents.**\n\n| i. | Money, bank notes,
money orders, drafts,
checks or gold, silver
or platinum bullion or
ingots | \\$2,500 |\n|-----|-----------------------------------------------------------------------------------------------------------|---------|\n| ii. | Watercraft, including
their outboard motors,
equipment and
furnishings | \\$5,000 |\n| | iii. Trailers | \\$5,000 |\n| | | |\n\n- **iv. Grave markers and** Mausoleums \\$50,000\n- **b.** The limit shown for each of the following categories is the maximum we will pay for a covered loss to that type of **contents** unless they are stored in a bank vault or bank safe deposit box, in which case we will pay up to the total amount for **contents** coverage listed in the policy for each **occurrence.** These special limits do not increase the amount of coverage of your **contents.**\n\t- i. Stamps, Coins & Medals \\$5,000\n\t- ii. Negotiable papers, **securities, accounts,** evidences of debt, letters of credit,notes (other than bank notes), manuscripts, passports, tickets \\$5,000\n- **c.** We will pay up to the coverage limit for **contents** coverage listed in the policy for **each occurrence for contents in the** following categories unless they are lost, misplaced or stolen, in which case we will only pay up to the limit shown below. These special limits do not increase the amount of coverage of your **contents.**\n\t- i. Jewelry, watches, \\$5,000\n\n**precious stones or semi**precious stones, whether **set or unset**\n\n| ii. | Furs | \\$5,000 |\n|-----|------|---------|\n| | | |\n\n- **iii. Guns** \\$5,000\n- **iv.** Silverware, goldware, \\$10,000 pewterware or trophies\n- **d.** We will pay up to the total amount of **contents** coverage listed in the policy for each **occurrence** for **contents** in the following categories unless the loss is caused by breakage, in which case we will only pay up to the limit shown below. These special limits do not increase the amount of coverage of your **contents.**\n\t- i. Crystal, china, porcelains, figurines, **statues, sculptures, mirrors, wine bottles,** glassware and similar **items.** \\$50,000\n\n#### **C. Additional Coverages**\n\nThese coverages are offered in addition to the amount of coverage shown on the Declarations Page unless stated otherwise. Your deductible applies to these coverages unless stated otherwise. Exclusions are described in section D. Exclusions and limits of liability, are described in section B., 5. Special Limits of Liability apply to these coverages.\n\n**1.** Additional Living Expense\n\nIf a covered loss makes your **residence** uninhabitable, we cover any reasonable increase in living expenses incurred by you to maintain your household's usual standard of living. Payment will continue for the shortest reasonable amount of time necessary to restore your **residence** to a habitable condition or for your household to permanently locate elsewhere. If your **residence** is under construction and you are living in the **residence** at the time of loss, additional living expenses will cease once you are restored to the condition you were just prior to the loss. We will not pay any interests for **loans or increased policy premiums associa**ted with the rebuilding of your home. However, if prior to the loss you are not living in the **residence** or have moved out because of construction or renovations, then additional living expenses for this location will not apply.\n\nWe will also pay reasonable expenses associated with the kenneling of your domestic animals only.\n\n**2.** Assessments\n\nWe will pay up to \\$100,000 per **occurrence** for your share of an assessment charged during the Policy Period against all the mem-\n\n**bers of a Homeowners, Condominium or Cooperative Association. The assessment** must be as a result of a covered loss to property or as a result of liability that would be covered under this policy. We will not pay assessments charged for loss resulting from earthquake; however, we will pay your share of an assessment charged as a result of an ensuing covered loss due to theft, explosion, fire or glass breakage unless another exclusion applies. We will not pay more than \\$10,000 for any assessment that results from a deductible in your Associa**tion's insurance. The resultant assessment** must be a result of a covered loss to property or as a result of liability that would be covered under this policy. We will not pay assessments charged for loss resulting from earthquake; however, we will pay your share of an assessment charged as a result of an ensuing covered loss due to theft, explosion, fire or glass breakage unless another exclusion applies. Your deductible does not apply to this coverage.\n\n**3.** Fair Rental Value\n\nIf you are not able to rent out your **residence,** or a part of your **residence,** that you usually rent to others because of a loss covered by this policy, we will pay the fair rental value for the reasonable amount of **time necessary to restore your residence, or** that part of your **residence,** to a habitable **condition.**\n\n**4.** Forced Evacuation\n\nIf you are forced by civil authority to evac**uate your residence as a direct result of a** loss or a reasonable threat of a loss covered by this policy, we will reimburse you for the **reasonable increase in your living expenses necessary to maintain your household's nor**mal standard of living for up to thirty (30) days. We also cover any loss in fair rental value for up to thirty (30) days if your **residence** is rented to others.\n\n#### **5. Landscaping**\n\nWe will pay up to 5 % of the coverage limit for the **house** or, if **house** coverage is not available, 5% of the coverage limit for the **contents** at the **residence** at which the covered loss occurs, but no more than \\$5,000 for any one tree, shrub or plant. **Landscaping** does not include forestry or brush.\n\nWe will pay only for losses caused by:\n\n#### **a. Aircraft;**\n\n- **b.** Fire, lightning or explosion;\n- **c. Riot or civil commotion;**\n- **d.** A vehicle not owned or operated by **someone who lives at the residence; or**\n\n**e.** Theft, attempted theft, vandalism or mali**cious mischief.**\n\nThis additional coverage applies only if you repair or replace the damaged **landscaping** within 1 80 days of the date of loss.\n\n**6.** Land\n\nIn the event of a covered loss to your **house** or **other permanent structures** we will pay for required stabilization, excavation, or replacement of land under or around your **house** or **other permanent structures.** We will pay up to 1 0% of the amount of a covered loss to your **house** or **other permanent structures for this coverage.**\n\n**7.** Construction Materials\n\nWe cover materials and supplies owned by you at each location shown on the Declarations Page for use in the repair, alter**ation, or construction of your residence un**less stated otherwise or an exclusion applies. These payments do not increase the amount of your coverage.\n\n**8.** Precautionary Repairs\n\nAfter a loss covered by this policy, we will pay the reasonable expenses you incur for **necessary repairs to protect your residence** against further loss. These payments do not **increase the amount of your coverage.**\n\n**9.** Debris Removal\n\nWe will pay the reasonable expenses to remove debris of a covered loss and the property that caused that covered loss. We will also pay up to a total of \\$ 1000 to remove trees from the **residence** if felled by the peril of windstorm, hail, weight of ice or snow or sleet when there is no damage to covered property.\n\n**10.** Lock Replacement\n\nWe will pay for the cost of replacing the locks in a **residence** listed on the Declarations Page if the keys to that **residence** are lost or stolen. Your deductible does not apply to this coverage.\n\n**11.** Rebuilding to Code\n\nWe will pay the extra expenses to obey any law or ordinance that regulates the repair, rebuilding or demolition of property damaged by a covered loss.\n\n**12.** Mine Subsidence\n\nWe cover direct loss to your **house** and **other permanent structures** caused by lateral **or vertical movement of a man-made underground mine or mine-related excavations.**\n\n**13.** Property Removal for Safekeeping\n\nWe will pay for any reasonable expenses incurred for the moving and storing of **contents** from a **residence** because the **contents**\n\n\n\n#### **14.** Data Replacement\n\nWe will reimburse you up to \\$5,000 for expenses you incur as a result of a covered loss to replace lost personal data stored on a personal computer or portable computing device that you own or lease.\n\n**15. Business** Property\n\nWe will pay up to \\$25,000 for a covered loss to **business** property you own or lease.\n\n**16.** Fire Department Charges\n\nWe will pay for the charges imposed by law or assumed by written agreement when a fire department answers a call to save or protect a **residence** listed on the Declarations Page. Your deductible does not apply to this **coverage.**\n\n**17.** Back Up of Sewers and Drains\n\nWe will pay up to the coverage limits shown on the Declarations Page for physical loss or damage to property caused by:\n\n- **a.** Water which backs up through sewers or drains on the **residence** premises. A sewer or drain is a pipe mechanically connected to the **residence** plumbing system, gutters or downspouts, or other drainage pipe located on the **residence** premises used to drain water and waste away from the **residence.** A backup is not due to the inability of a sewer or drain to handle the amount of rainwater, surface water or groundwater trying to enter the **sewer or drain.**\n- **b.** Water which overflows from a sump pump pit if such overflow results from the mechanical breakdown of the sump pump. This additional coverage is intended to cover damage caused by water that overflows the sump pit due to mechanical breakdown of the sump pump, but not damage caused by surface or groundwater before it enters the sump pit. This coverage does not apply to direct physical loss or damage of the sump pump or related equipment, which is caused by mechanical breakdown.\n\nThese payments do not increase the amount of your coverage.\n\n**18.** Property of Domestic Staff and Guests\n\nWe cover the personal property of your domestic staff and guests while it is on the premises of any **residence** listed on the Declarations Page. These payments do not **increase the amount of your coverage.**\n\n**19.** Loss by Animals\n\nWe cover loss to your **house, other permanent structures,** and **contents** caused by domestic animals.\n\n**20.** Arson Reward\n\nWe will pay up to \\$5,000 for information **leading to an arson conviction in connection** with a fire loss to property covered by this policy. The \\$5,000 limit is the most we will pay, regardless of the number of persons providing information. This coverage is addi**tional insurance.**\n\n**21.** Food Spoilage\n\nWe cover food spoilage due to a temperature change in a refrigerator or freezer caused by an interruption of the power supply, originating either on or off-premises, or due to the mechanical breakdown of refrigeration equipment at any **residence** you **live at or own. Wine or spirits are not con**sidered food. These payments do not increase your amount of coverage. This coverage is subject to a \\$250 deductible.\n\n**22.** Ensuing **Fungi** or Bacteria\n\nWe will pay up to \\$10,000 in total for a loss caused by **fungi** or bacteria resulting from a covered loss, including:\n\n- **a. The cost to remove, clean-up, remediate,** contain, treat, detoxify, neutralize, **fungi** or bacteria;\n- **b.** The cost to tear out and replace any part of the building or other covered property as needed to gain access to the **fungi** or bacteria;\n- **c.** The cost of testing or monitoring of air or property to confirm the absence, presence or level of **fungi** or bacteria whether performed prior to, during or after removal, repair, restoration or replacement. The cost of such testing will be provided only to the extent that there is a reason to believe that there is the presence of **fungi** or bacteria; and\n- **d.** Up to \\$5,000 for the reasonable increase in living expenses incurred by you to maintain your household's usual standard of living if your **residence** is uninhabitable. Payment will continue for the shortest period of time necessary to restore your **residence** to a habitable condition.\n\nThis is the most we will pay regardless of the number of **occurrences,** the number of locations insured, or the number of claimsmade. We will not make any additional payments for Ensuing **Fungi** or Bacteria under any other Additional Coverage.\n\nThese payments do not increase the amount of coverage.\n\n**23.** Loss Prevention Device\n\nAfter a loss is covered by this policy, we will pay for the reasonable costs you incur up to \\$2,500 for the installation of an approved loss prevention device to protect your **residence** against the same loss in the future. Approved loss prevention devices include fire alarms systems, fire suppression systems, security systems, sump pumps, automatic water shut-off devices, lightning suppression systems, back-up power systems and hail resistant roofing materials. These payments do not increase the amount of **coverage.**\n\nThis additional coverage only applies if the loss exceeds the location deductible.\n\n#### **D. Exclusions**\n\nThe following exclusions apply to PART II - PROPERTY section of your policy:\n\n**1.** Pollution or Contamination\n\nWe do not cover any loss, directly or indirectly, and regardless of any cause or event contributing concurrently or in any sequence to the loss, caused by the discharge, dispersal, seepage, migration or release or escape of pollutants. Nor do we cover the cost to extract pollutants from **land or water, or the cost to remove, restore** or replace polluted or contaminated land or water. A \"pollutant\" is any solid, liquid, gas**eous or thermal irritant or contaminant, in**cluding smoke, vapor, soot, fumes, acids, **alkalis, chemicals and \"waste\". A \"contaminant\" is an impurity resulting from the** mixture of or contact with a foreign substance. \"Waste\" includes materials to be disposed of, recycled, reconditioned or reclaimed.\n\n**2.** Gradual or Sudden Loss\n\nWe do not cover any loss caused by gradual deterioration, wet or dry rot, warping, smog, rust, or other corrosion. In addition, we do not cover any loss caused by inherent vice, wear and tear, mechanical breakdown or latent defect. However, we do insure en**suing covered loss unless another exclusion** applies.\n\n**3. Fungi** or Bacteria\n\nWe do not cover any loss caused by the presence, growth, proliferation, spread or any activity of **fungi** or bacteria including the cost to test for, monitor, clean up, move, remediate, contain, treat, detoxify, neutralize or in any way respond to, or assess the effects of **fungi** or bacteria.\n\nThis exclusion does not apply to:\n\n- **a.** Coverage provided under PART 11 PROPERTY. Additional Coverage. Ensuing **Fungi** or Bacteria; or\n- **b.** Ensuing covered loss unless another exclusion applies.\n- **4.** Loss by Rodents, Insects, Birds or Vermin We do not cover any loss caused by\n\n**rodents, insects, birds or vermin except loss** to glass that is part of a building, storm door **or window. However, we do insure ensuing** covered loss unless another exclusion applies.\n\n**5.** Structural Movement\n\nWe do not cover any loss caused by bulging, expansion, shrinking or settling, including resultant cracking, of foundation, floors, walls, patios, pavements, ceilings or **roofs. However, we do insure ensuing cov**ered loss unless another exclusion applies.\n\n**6.** Surface and Ground Water Damage\n\nWe do not cover any loss caused by:\n\n- **a.** Flood, surface water, waves, tidal water, overflow of a body of water, or spray from any of these, whether or not driven by wind; or\n- **b.** Water below the surface of the ground, including water which exerts pressure on, or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure.\n\nThis exclusion does not apply to:\n\n- **a. Contents** away from any **residence** or lo**cation you own or live at; or**\n- **b.** Ensuing covered loss unless another exclusion applies.\n- **7.** Water or Ice Damage to Certain **Other Permanent Structures**\n\nWe do not cover loss to certain **other permanent structures** caused by freezing, thawing, or the pressure or weight of water or ice, whether driven by wind or not. **However, we do insure ensuing covered loss** unless another exclusion applies. The **other permanent structures** to which this exclusion applies are swimming pools, fences, tennis courts, hot tubs, patios, pavements, foundations, septic systems, retaining walls, wharves, docks, piers, bridges or bulkheads.\n\n**8.** Faulty, Inadequate or Defective Planning\n\nWe do not cover any loss caused by faulty, inadequate or defective:\n\n- **a.** Planning, zoning, development, survey**ing, siting;**\n- **b.** Design, specifications, workmanship, re**pair, construction, renovation, remodel**ing, grading, compaction;\n- **c.** Materials used in repair, construction, **renovation or remodeling; or**\n- **d. Maintenance;**\n\nof part or all of any property whether on or off the **residence.**\n\n**However, we do insure ensuing covered .loss** unless another exclusion applies.\n\n**9.** Earthquake\n\n~\n\nWe do not cover any loss to your **house** or **other permanent structures** caused by earthquake. However, we do insure ensuing covered loss due to theft, fire, glass breakage or explosion unless another exclusion applies.\n\n**10.** Earth Movement\n\nWe do not cover any loss to your **house** or **other permanent structures** caused by earth movement including volcanic eruptions, landslides, mudflows, and the sinking, rising, or shifting of land. We do insure ensuing covered loss due to theft, fire, glass breakage or explosion unless another exclusion applies.\n\n**11** . **Business** Property\n\nWe do not cover any loss to **business** property. This exclusion does not apply to coverage provided under PART II - PROP-ERTY, Additional Coverage, **Business** Property.\n\n**12.** Motorized Land Vehicles\n\nWe do not cover any loss to motorized land vehicles including their equipment and accessories or any electronic devices designed to be operated solely by power from the electrical system of that vehicle. However, we do cover vehicles not subject to motor vehicle registration which are:\n\n- **a.** Used to service any **residence** you own or live at;\n- **b.** Designed to assist the handicapped; or\n- **c.** Designed for recreational use off public roads.\n- **13.** Renovations and Repairs\n\nWe do not cover loss caused by renovating, refinishing or repairing any kind of **contents.** This exclusion does not apply to jewelry, watches, and furs.\n\n**14. Watercraft** Accidents\n\nWe do not cover any loss caused by the stranding, swamping or sinking of a **watercraft** or its trailer, or outboard motor.\n\nWe also do not cover any loss caused by collision of a **watercraft** other than collision with a land vehicle unless another exclusion applies.\n\n**15.** Tenant Property\n\nWe do not cover any loss to property of **roomers, boarders, or other tenants.**\n\n**16.** Temperature or Dampness\n\nWe do not cover any loss caused by extremes of temperature, dampness or dryness of atmosphere, or water vapor to your **house, other permanent structures or contents.**\n\nThis exclusion does not apply to:\n\n- a. Loss caused directly by rain, sleet, snow or hail; or\n- b. Coverage provided under PART II PROPERTY, Additional Coverage, Food Spoilage.\n\n#### **17. Aircraft**\n\nWe do not cover any loss to **aircraft** or **aircraft** parts.\n\n**18.** Confiscation\n\nWe do not cover any loss caused by the destruction, confiscation or seizure by any government or public authority.\n\n**19.** Acts of War\n\nWe do not cover any direct loss or ensuing loss to property caused by any kind of warlike action. War includes undeclared war, **civil war, insurrection, rebellion, revolution,** warlike act by a military force or military **personnel, destruction or seizure or use for a** military purpose, and including any consequence of any of these. Discharge of a nuclear weapon shall be deemed a warlike act even if accidental.\n\n**20.** Loss to Fish, Birds or Animals\n\nWe do not cover any loss to fish, birds or animals.\n\n**21.** Intentional Acts\n\nWe do not cover any loss caused by any act, whose consequences could have been foreseen by a reasonable person, committed:\n\n- a. By or at the direction of you, your spouse or a **family member;** and\n- b. With the intent to cause loss or damage.\n- **22.** Dishonest Acts\n\nWe do not cover any loss caused by any dishonest or criminal act by, or at the direction of, you or any **family member.**\n\n**23.** Nuclear Hazard\n\nWe do not cover any loss caused directly or indirectly by \"nuclear hazard\". Nuclear haz**ard means any nuclear reaction, radiation, or** radioactive contamination, all whether controlled or uncontrolled or however caused, or any consequence of any of these. However, ensuing covered loss due to fire resulting from a nuclear hazard is covered unless another exclusion applies.\n\n**24.** Back Up of Sewers or Drains\n\nWe do not cover any loss due to a back up or overflow of a sewer or drain including any loss that contributes to any event. This exclusion does not apply to coverage provided under PART II - PROPERTY, Additional Coverage, Back Up of Sewers and Drains.\n\n#### **25. Contents** Under Another Policy\n\nWe do not cover any loss to **contents** that\n\nare insured under a private collections policy, valuable articles or similar policy not issued by us or one of our affiliated companies.\n\n**26.** Uninsured Owned Location\n\nWe do not cover any loss caused directly or indirectly by wind to **contents** located at an owned **house,** condominium or cooperative that does not have **contents** coverage listed on the Declarations Page of this policy or any other policy issued by us or one of our affiliated companies.\n\n**Contents** at a newly acquired location are not subject to this exclusion for sixty (60) days after you begin to move **contents** there.\n\n#### **PART** Ill - **LIABILITY**\n\n#### **A. Insuring Agreement**\n\nWe will pay **damages** an **insured person is** legally obligated to pay for **personal injury** or **property damage** caused by an **occurrence** covered by this policy anywhere in the world, unless stated otherwise or an exclusion applies.\n\n#### **B. Payment of a Loss**\n\nThe most we will pay for all claims for **personal injury** and **property damage** as a result of any one **occurrence** is the Liability coverage limit shown on the Declarations Page of this policy. This insurance applies separately· to each- **in- sured person** against whom a claim is made or suit is brought, but we will not pay more than the limit shown on the Declarations Page for any single **occurrence** regardless of the number of **insured persons,** claims made or persons injured. There is no restriction to the number of **occurrences** during the Policy Period for which claims may be made.\n\nPayments under provision **C., Defense Coverage and Claim Expense,** except a settlement payment, are in addition to the Liability coverage limit in the policy shown on the Declarations Page.\n\n#### **C. Defense Coverage and Claim Expense**\n\nWe will pay the costs to defend an **insured person** against any suit seeking covered **damages** for **personal injury** or **property damage,** even if the suit is false, fraudulent or groundless. You may choose counsel from a panel of firms selected by us. If a panel counsel is not established in the jurisdiction where the suit is brought, we reserve the right to select counsel.\n\nWe may investigate and settle any claim or suit at our discretion.\n\nAdditionally, we will pay:\n\n- **1.** All court costs and expenses on judgments assessed against any **insured person;**\n- **2.** Reasonable expenses incurred by an **insured**\n\n**person** at our request up to a · total of \\$10,000 for assisting us in tt.le investigat:ioli or defense of a claim or suit;\n\n- **3.** The cost of bail bonds required of an **insured person** because of a covered loss;\n- 4. All premiums on bonds required in a suit we defend, but not for bond amounts more than the coverage amount (we need not apply for or furnish any bond);\n- 5. All expenses incurred by us;\n- **6.** Interest on the entire judgment which accrues after entry of the judgment and · before we pay or tender, or deposit in court, that part of the judgment which does not exceed the amount of c\\_overage; and\n- 7. All prejudgment interest awarded against an **insured person** on that part of the judgment we pay or offer to pay. We will not pay any prejudgment interest based on that period .of time after we make an offer to pay the amount of coverage.\n\nIn jurisdictions where we are prevented from defending an **insured person** for a covered loss because of laws or other reasons, we will pay any expenses incurred with our prior written consent for the **insured person's** defense. ·\n\nOur duty to defend any claim or suit arising out of a single occurrence ends when the amount we have paid in **damages** for that **occurrence** equals the Liability coverage limit shown on the Declarations Page of this policy.\n\n#### **D. Additional Coverages**\n\n**1.** Damaged Property\n\nIf an **insured person** destroys or damages other people's property we will pay the replacement cost for that property up to \\$10,000 per **occurrence.**\n\n**2.** Credit Cards, Forgery, and Counterfeiting\n\nWe will pay up to a total of \\$10,000 for:\n\n- a. Any amount an **insured person** is legally obligated to pay resulting from:\n\t- i. Theft or loss of a bankcard or credit card issued in the name of you or a **family member:** or\n\t- ii. Loss caused by forgery or alteration of any check or negotiable instrument.\n\nA loss will not be covered unless all the terms for using the card, check or negotiable instrument, are complied with.\n\n**b.** Loss caused by accepting in good faith any counterfeit paper currency.\n\nAt our option we may defend a claim· or suit against you or a **family member** for forgery or counterfeiting. We will defend a claim or suit against you or a **family member** for loss or theft of a bankcard or credit card.\n\n**3.** Medical Payments to Others\n\nRegardless of liability, we will pay the nee-\n\nIi\n\nessary **medical expenses** that are incurred or medically ascertained within three (3) years from the date of an accident causing **bodily injury** up to a total of \\$10,000 for each person. This coverage does not apply to you or a **family member** and only applies to an accident that:\n\n- **a.** Occurs to a person, at a **residence** with liability coverage listed on the Declarations Page, with permission from you or a **family member** to be there;\n- **b.** Arises from a condition at a **residence,** or at the steps, driveways or sidewalks immediately adjoining a **residence,** listed on the Declarations Page with liability coverage;\n- **c.** Is caused by an animal owned by or in the care of an **insured person;** or\n- **d.** Is caused by an **insured person** or a **residence employee** in the course of his or her employment by an **insured person.**\n- **4.** Limited **Residence** Premises **Business** Liability\n\nWe cover **personal injury** or **property damage** arising out of the physical condition of a **residence** shown on the Declarations Page when **business** or professional activities are legally conducted by any **insured person** at that **residence.** The most we will pay for any covered loss is the Liability coverage limit shown on the Declarations Page. Coverage is subject to the following:\n\n- **a.** You do not have any employees conducting **business** activities at your **residence** who are subject to workers' compensation or other similar disability **laws;**\n- **b.** You are not a home day care provider; and\n- **c.** There is no other valid collectible insur**ance.**\n\n# **E. Exclusions**\n\nThis policy does not provide coverage for liability, defense costs or any other cost or expense for:\n\n**1.** Motorized Land Vehicles\n\n**Personal injury** or **property damage** arising **out of the ownership, maintenance, use,** loading or unloading of any motorized land vehicle. This exclusion does not apply to **recreational motor vehicles** except when they are used for participation in or practice for competitive racing.\n\n# **2. Aircraft**\n\n**Personal injury** or **property damage** arising **out of the ownership, maintenance, use,** loading, unloading, or towing of any **aircraft.**\n\n**3. Watercraft**\n\n**Personal injury** or **property damage** arising\n\nout of the ownership, maintenance, use, operation, loading or unloading of any **watercraft:**\n\n- **a.** That is twenty-six (26) feet or more in length or fifty (50) or more horsepower and which is owned by an **insured person** or furnished or rented to an **insured person** for longer than thirty (30) days;\n- **b.** Used for any **business** or commercial pur**pose; or**\n- **c.** Used for participation in or practice for competitive racing (except sailboats less than twenty-six (26) feet in length).\n- **4.** Workers' Compensation or Disability\n\nAny **damages** or benefits an **insured person is** legally obligated to provide under any workers' compensation, disability benefits, Jones Act or General Maritime Law, unemployment compensation, occupational dis**ease or similar law. However, we do provide coverages in excess over any other in**surance for damages a **covered person** is legally obligated to pay for **bodily injury** to a **residence employee** of a location listed on the Declarations Page which are not compensable under workers compensation, unless another exclusion applies.\n\n**5.** Directors Errors or Omissions\n\n**Personal injury** or **property damage** arising **out of any insured person's acts, errors or** omissions as an officer or member of the board of directors of any corporation or organization. This exclusion does not apply to **personal injury** or **property damage** arising out of an **insured person's** actions for a **non-profit corporation or organization or for** a Condominium or Cooperative Association unless another exclusion applies.\n\n**6.** Care, Custody or Control\n\n**Property Damage** to property owned by, rented to, occupied or used by, or in the care, custody or control of an **insured person** to the extent that the **insured person** is required by contract to provide insurance. This exclusion does not apply to **property damage** caused by fire, smoke, or explosion.\n\n- **7. Insured Person Personal injury** to an **insured person** under this policy.\n- **8.** Discrimination\n\n**Personal injury** arising out of actual, alleged or threatened discrimination or harassment **due to age, race, national origin, color, sex,** creed, handicapped status, sexual prefer**ence or any other discrimination.**\n\n**9.** Sexual Molestation or Corporal Punishment\n\n**Personal injury** arising out of any actual, alleged or threatened by any person:\n\n**a.** Sexual molestation, misconduct or\n\nharassment;\n\n- **b.** Corporal punishment; or\n- **c.** Sexual, physical or mental abuse.\n- **10.** Transmitted Diseases\n\n**Personal injury** resulting directly or indirectly from any illness, sickness or disease transmitted intentionally or unintentionally by an **insured person** to anyone. We do not cover any **damages** for any threat of exposure or any consequences resulting from that illness, sickness, or disease.\n\n**11** . **Business** Pursuits\n\n**Personal injury** or **property damage** arising out of an **insured person's business** property or **business** pursuits, investment activity or any activity intended to realize a profit for either an **insured person** or others. However, this exclusion does not apply to:\n\n- **a.** Volunteer work for an organized charitable, religious or community group;\n- **b. Incidental business** activity; or\n- c. Limited **Residence** Premises **Business** Liability Coverage.\n- **12.** Professional Services\n\n**Personal injury** or **property damage** arising out of an **insured person's** performing or fail- . ure to perform professional services for which any **insured person is** legally responsible or licensed.\n\n**13.** War\n\n**Bodily injury** or **property damage** caused directly or indirectly by war, including the following and any consequence of the following:\n\n- a. Undeclared war, civil war, insurrection, rebellion, or revolution;\n- b. Warlike acts by a military force or military personnel; or\n- c. The destruction, seizure or use of property for a military purpose.\n\nDischarge of a nuclear weapon will be deemed a warlike act even if accidental.\n\n**14.** Assessments\n\nAny assessment charged against an insured **person** as a member of an association, corporation or community of property owners.\n\n**15.** Contractual\n\n**Personal injury** or **property damage** arising from contracts or agreements, whether written or unwritten:\n\n- a. Made in connection with any **insured person's business** ; or\n- **b.** In which the liability of others is assumed after a covered loss.\n- 16. Nuclear Hazard\n\n**Personal injury** or **property damage** caused directly or indirectly by nuclear reaction, radiation, or radioactive contamination.\n\n**17~-** Intentional Acts\n\n**Personal injury** or **property damage** resulting from any criminal, willful, intentional or malicious act or omission by any person. We also will not cover claims for acts or omissions of any person which are intended to result in, or would be expected by a reasonable person to cause, **property damage** or **personal injury.** This exclusion applies even if the injury or damage is of a different kind or degree, or is sustained by a different person, than expected or intended. This exclusion does not apply to **bodily injury** if the **insured person** acted with reasonable force to protect any person or property.\n\n**18.** Wrongful Termination\n\n**Personal injury** arising out of wrongful termination of employment.\n\n**19.** Controlled Substance(s)\n\n**Personal injury** or **property damage** ansmg out of the use, sale, manufacture, delivery or transfer or possession of a Controlled Substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. This exclusion does not apply to the legitimate use of prescription drugs of a person following the orders of a licensed physician.\n\n#### **PART IV** - **CONDITIONS**\n\n- **A.** Your Duties\n\t- 1. Your duty is to notify your agent or broker of a change in occupancy.\n\t- **2.** Your duty is to notify your agent or broker at the beginning of any renovation or construction work and throughout the work to maintain an appropriate amount of coverage and confirm that appropriate protective safeguards are in place as determined by us.\n- **B.** Your Duties After a Loss\n\nIn the event of an **occurrence** which is likely to involve this policy, or if you or any other in**sured person** under this policy is sued in connection with an **occurrence** which may be covered under this policy, you or an **insured person** must:\n\n- **1.** Give prompt notice to us or your agent or broker.\n- **2.** Notify the police in case of loss by theft.\n- **3.** Notify the credit card or fund transfer card company in case of loss under credit card or fund transfer card coverage.\n- **4.** Protect the property from further damage. If repairs to the property are required, you must:\n\n\n\n- **b.** Keep an accurate record of all repair expenses.\n- **5.** Provide us with bills, receipts and related documents.\n- **6.** As often as we reasonably require:\n\t- **a.** Show the damaged property;\n\t- **b.** Provide us with records and documents we request; and\n\t- **c.** Submit to separate examination under oath.\n- **7.** Send to us within sixty (60) days of our request, your signed sworn proof of loss which sets forth, to the best of your knowledge:\n\t- **a.** The time and cause of loss;\n\t- **b.** The interest of all others in the property;\n\t- **c.** Other insurance which may cover the loss; and\n\t- **d.** The dollar amount being claimed as your loss.\n- **8.** Provide us with the names and addresses of any known persons injured and any available **witnesses.**\n- **9.** Provide us with any suit papers and other documents which will help us defend any **insured person.**\n- **10.** Assist and cooperate with us in the conduct of the defense by helping us:\n\t- **a.** To make settlement;\n\t- **b.** To enforce any right of contribution or indemnity against any person or organization who may be liable to an **insured person;**\n\t- **c.** To attend hearings and trials; and\n\t- **d.** To secure and give evidence and obtain the attendance of witnesses.\n- **C.** Policy Period and Territory\n\nThe Policy Period is stated on the Declarations Page. This policy applies to an **occurrence** which takes place anywhere in the world unless otherwise limited by the policy.\n\n**D.** Recovery\n\nIf the **insured person** has rights to recover all or part of any payment we have made under this policy, those rights are transferred to us. The **insured person** must do nothing after loss to impair such rights of recovery. At our request, the **insured person** will bring suit or transfer those rights to us and help us enforce them.\n\nE. Assignment\n\nNo one covered under this policy may assign or turn over any right or interest in regard to the policy without our written consent.\n\n**F.** Changes\n\nNo change or modification of this policy shall be effective except when made by written endorsement signed by our legal representative.\n\n**G** . Concealment or Fraud\n\nThe entire policy will be void if, whether before or after a loss, you or an **insured person** have:\n\n- **1.** Intentionally concealed or misrepresented any material fact or circumstance;\n- **2.** Engaged in fraudulent conduct; or\n- **3.** Made false statements;\n\nrelating to this insurance.\n\n**H.** Reasonable Care\n\nYou must use reasonable care to maintain heat in your **residence** or shut off and drain the water system or appliances if the home **is** vacant, unoccupied or being constructed. We do not cover any loss caused by water freezing in a plumbing, heating, or air conditioning system or household appliance if reasonable care has not been exercised.\n\nI. Conformity to Statutes\n\nAny provision of this policy, which is in conflict with state or local law, is amended to conform to the law.\n\n**J.** Liberalization\n\nIf we broaden the coverages provided by your policy without an additional premium charge, the changes will automatically apply to your policy as of the effective date on which the changes are adopted in your state.\n\n**K.** Bankruptcy or Death\n\nThe **insured person's** bankruptcy or insolvency shall not relieve us of any of our obligations. Further, if the **insured person** dies or becomes bankrupt or insolvent during the Policy Period, this policy, unless cancelled, will cover the **insured person's** legal representative for the remainder of the Policy Period.\n\n**L.** Legal Action Against Us.\n\nNo action shall be brought against us unless the **insured person** has complied with this policy's provisions and for Liability coverage, not until final judgment or agreement has set the amount of the **insured person's** legal obligation to us.\n\nYou also agree to bring any action against us within one year after a loss occurs, but not until thirty (30) days after proof of loss has been filed and the amount of loss has been determined.\n\nFor Liability coverage, no one has the right to join us in any action against any other **insured person.**\n\n#### **M.** Appraisals\n\nIf you and we fail to agree on the amount of loss, either party may make a written demand that each selects an independent appraiser. In this event, the parties must notify each other of their selection within twenty 120) days. The independent appraisers will select an arbitrator within fifteen (15) days. If an arbitrator is not agreed upon within that time, either party may request the arbitrator be selected by a judge. The independent appraisers will then appraise the loss and submit any differences to the arbitrator. A decision in writing agreed to by the two appraisers or either appraiser and the arbitrator will be binding. Each appraiser will be paid by the party that has selected the appraiser. You and we will share the expenses of the arbitrator equally.\n\n**N.** Other Insurance\n\nIf a loss covered by this policy is also covered by other insurance, we will pay only the proportion of the loss that the limit of liability that applies under this policy bears to the total **amount of insurance covering the loss.**\n\n**0.** Mortgage Clause.\n\nThe word mortgagee includes trustee. If a mortgagee is named in this policy, any covered loss will be paid to you and the mortgagee as interests appear. If there is more than one mortgagee named in this policy, the order of payment will be identical to the order of precedence.\n\nIf your claim is denied, the denial will not apply to a valid claim submitted by the mortgagee if they:\n\n- **1.** Notify us of any change in ownership or substantial change in risk of which they are **aware;**\n- **2.** Pay any premium due on this policy or on demand if you have neglected to pay the premium; and\n- **3.** Submit a sworn statement of loss within sixty 160) days after receiving notice from us of your failure to do so.\n\nIf your policy is cancelled or not renewed by us, the mortgagee will be notified in writing at least ten 110) days before the cancellation or nonrenewal takes effect.\n\nIf we deny payment to you but pay the mortgagee:\n\n- **1.** We are subrogated to all the rights of the mortgagee granted under the mortgage on the property; or\n- **2.** At our option, we may pay the mortgagee the entire principal on the mortgage plus any accrued interest. In this event we will receive a full assignment and transfer of the mortgage and all securities held as collateral to the mortgage debt.\n\nSubrogation will not impair the right of the mortgagee to recover the full amount under the mortgagee's claim.\n\n**P.** Your Cancellation\n\nYou may cancel this policy or any part of it at any time by notifying us in writing of the future date that the cancellation is to take effect .\n\n**0.** Our Cancellation\n\nTo cancel this policy we must notify you in writing. This notice will be mailed to you at the last mailing address shown on the Declarations Page and we will obtain an U.S. Post Office certificate of mailing. This notice will include the date the cancellation is to take effect and the reason for the cancellation. It shall also state that any excess premium, if not returned, shall be refunded on demand. In the event of cancellation by you or by us, we will refund any unearned premium on the effective date of cancellation, or as soon as possible afterwards. The unearned premium will be computed pro *rata* for the unexpired term of the policy.\n\nWe may cancel this policy subject to the following conditions:\n\n**1.** Nonpayment of Premium\n\nIf you fail to pay the premium by the date it is due we may cancel this policy with (ten) 10 days notice, whether the premium is due **to us, to our agent, or under any finance or** credit plan.\n\n**2.** Misrepresentation\n\nWe may cancel this policy with thirty 130) days notice if there has been a material misrepresentation of fact or omission of fact either of which, if known to us, would have caused us not to issue the policy.\n\n**3.** Increase in Hazard\n\nWe may cancel this policy with thirty 130) **days notice in the event or circumstance of a material increase in, or a change to, the** covered property that increases the hazard insured against.\n\n**4.** Conviction of Crime\n\nWe may cancel this policy with thirty 130) days notice if you have been convicted of a crime arising out of an act that increases the hazard insured against.\n\n**R.** Nonrenewal\n\nIf we elect not to renew this policy, we shall mail to you at the last address known to us written notice of nonrenewal not less than thirty 130) days before the end of the Policy Period as stated on the Declarations Page.\n\nRegardless, this policy will terminate at the end of the Policy Period stated on the Declarations Page if you have failed to discharge when due any of your obligations in connection with the payment of premium for the renewal of this policy, or if you have notified us or our agent that you do not wish this policy to be renewed.\n\nProof of mailing of notice mentioned above shall be sufficient proof of notice.\n\nIncludes copyrighted material from Insurance Services Office, !nc. with its permission.\n\nIn witness whereof, we have caused this policy to be executed and attested, and if required by state law this policy shall not be valid unless countersigned by our authorized representative.\n\nAIG Property Casualty Company\n\nSecretary President\n\nIncludes copyrighted material from Insurance Services Office, Inc. with its permission.\n\nCase 22-50073 Doc 1787-9 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 40 of\n\n~\n\n68\n\n#### **Homeowners Amendatory Endorsement New York**\n\nWith respect to coverage provided by this endorsement, all provisions and conditions of the policy apply unless they are changed by this endorsement.\n\nPart II - PROPERTY, Additional Coverages, Ensuing **Fungi** or Bacteria is deleted and replaced by the following:\n\n#### **Fungi or Bacteria Remediation Expense**\n\nWe will pay up to \\$25,000 for the following expenses caused by the presence of **fungi** or bacteria which results from a covered loss, including;\n\n- **a.** The cost to remediate, contain, treat, detoxify or neutralize **fungi** or bacteria;\n- **b.** The cost of testing or monitoring of air or property to confirm the absence, presence or level of **fungi** or bacteria whether performed prior to, during or after removal, repair, restoration or replacement. The cost of such testing will be provided only to the extent that there is a reason to believe that there is the presence of **fungi** or bacteria;\n- **c.** The cost to remove debris of covered property containing **fungi** or bacteria beyond that which is required to remove debris of the covered property physically damaged by a covered loss;\n- **d.** The cost to repair or replace covered property containing **fungi** or bacteria beyond that which is required to repair or replace the covered property physically damaged by a covered loss; and\n- e. Up to \\$5,000 for the reasonable increase in living expenses incurred by you to maintain your household's usual standard of living if your **residence** is uninhabitable due to **fungi** or bacteria remediation. Payment will continue for the shortest period of time necessary to restore your **residence** to a habitable condition.\n\nThis **fungi** or bacteria remediation expense limit does not apply to **fungi** or bacteria resulting from a covered loss caused by fire or lightning. Therefore, for a covered loss caused by fire or lightning, the increased costs that are **fungi** or bacteria remediation expenses described above are covered as part of such covered loss up to the amount of coverage for your **house, other permanent structures,** or for **contents** if **contents** coverage is provided under this policy.\n\nHigher optional limits are available for an additional premium.\n\nThese payments do not increase the amount of coverage.\n\nPart II - PROPERTY, Exclusions, **Fungi** or Bacteria is deleted and replaced by the following:\n\n#### **Fungi** or Bacteria\n\nWe do not cover any loss caused by the presence, growth, proliferation, spread or any act1v1ty of **fungi** or bacteria including the cost to test for, monitor, clean up, move, remediate, contain, treat, detoxify, neutralize or in any way respond to, or assess the effects of **fungi** or bacteria.\n\nThis exclusion does not apply to:\n\n- **a.** Coverage provided under PART II PROPERTY. Additional Coverage. **Fungi** or Bacteria Remediation Expense; or\n- **b. Fungi** or Bacteria resulting from fire or lightning unless another exclusion applies; or\n- **c.** Ensuing covered loss unless another exclusion applies.\n\nPart Ill - LIABILITY, Defense Coverage and Claim Expense, the last paragraph is deleted.\n\nPart Ill - LIABILITY, Exclusions, Workers' Compensation or Disability is deleted and replaced by the following:\n\n#### Workers' Compensation or Disability\n\nAny **damages** or benefits an **insured person** is legally obligated to provide under any workers' compensation, disability benefits, Jones Act or General Maritime Law, unemployment compensation, occupational disease or similar law.\n\nPart Ill - LIABILITY, Exclusions, Intentional Acts is amended as follows:\n\nThe sentence, \"This exclusion applies even if the injury or damage is of a different kind or degree, or is sustained by a different person, than expected or intended.\" is deleted.\n\nPart IV - CONDITIONS, Concealment or .Fraud is deleted and replaced by the following:\n\nConcealment or Fraud\n\nWe do not provide coverage for the **insured person** who, whether before or after a loss has:\n\n- **1.** Intentionally concealed or misrepresented any material fact or circumstance; or\n- **2.** Engaged in fraudulent conduct;\n\nrelating to this insurance.\n\nPart IV - CONDITIONS, Legal Action Against Us is deleted and replaced by the following:\n\n#### Legal Action Against Us\n\nNo action shall be brought against us unless the **insured person** has complied with this policy's provisions, nor until final judgment or agreement has set the amount of the **insured person** 's legal obligation with us. You also agree to bring any action against us within two (2) years after a loss occurs, but not until thirty (30) days after proof of loss has been filed and the amount of loss has been determined. No one has the right to join us in any action against any **insured person.**\n\nPart IV - CONDITIONS, Our Cancellation is deleted and replaced by the following:\n\n#### Our Cancellation\n\nWe may cancel the entire policy only for the reasons stated in this condition. The cancellation notice will be mailed to you at the address shown on the Declarations Page. Proof of mailing will be sufficient proof of notice.\n\n- **1.** When you have not paid the premium, we may cancel the entire policy at any time by mailing to you at least fifteen (15) days notice of cancellation. The cancellation notice shall state the amount of premium due.\n- **2.** When this policy has been in effect for less than sixty (60) days and is not a renewal with us, we may cancel the entire policy for any reason by letting you know at least 30 days before the date of cancellation takes place.\n- **3.** When this policy has been in effect for sixty (60) days or more, or at any time if it is a renewal with us, we may cancel the entire policy only for one or more of the following reasons by notifying the **insured person** at least thirty (30) days prior to the proposed cancellation date:\n\t- **a.** Conviction of a crime arising out of acts increasing the hazard insured against;\n\t- **b.** Discovery of fraud or material misrepresentation in obtaining the policy or in the presentation of a claim thereunder;\n\t- **c.** Discovery of willful or reckless acts or omissions increasing the hazard insured against;\n\t- **d.** Physical changes in the property insured occurring after issuance or last annual anniversary date of the policy which result in the property becoming uninsurable in accordance with our objective, uniformly applied underwriting standards in effect at the time the policy was issued or last voluntarily renewed; or\n\t- **e.** A determination by the Superintendent of Insurance that the continuation of the policy would violate or would place us in violation of the New York Insurance Law.\n\nIf one of the reasons listed in this Paragraph 3. exists, we may cancel the entire policy.\n\n\n\n**4.** If we have the right to cancel, we may, instead of canceling this policy, amend the limits of liability or reduce coverage not required by law. If we take this action, we will notify you by mail at least twenty (20) days prior to the date of such change.\n\nDelivery of such written notice by us to the **insured person** at the mailing address shown on the Declarations Page or at a forwarding address will be equivalent to mailing.\n\nPart IV - CONDITIONS, Nonrenewal is deleted and replaced by the following:\n\n#### Nonrenewal\n\nWe will not refuse to renew or condition our renewal of this policy except as allowed by the laws of the State of NewYork. The conditions may include, but are not limited to, amending the limits of liability or reducing coverage not required by law. If we elect not to renew this policy, we shall mail to you at the last address known to us written notice of non-renewal not less than forty-five (45) days but not more than sixty (60) days before the end of the Policy Period as stated on the Declarations Page. Proof of mailing will be sufficient proof of notice.\n\nRegardless, this policy will cancel at the end of the Policy Period stated on the Declarations Page if you have failed to discharge when due any of your obligations in connection with the payment of premium for the renewal of this policy, or if you have notified us or our agent that you do not wish this policy to be renewed. Delivery of such written notice by us to the **insured person** at the mailing address shown on the Declarations Page or at a forwarding address will be equivalent to mailing.\n\nPart IV - CONDITIONS, is amended to include the following:\n\nTransfer of Duties When a Limit of Insurance Is Used Up\n\n- 1. If we conclude that, based on **occurrences,** offenses, claims or suits which have been reported to us and to which this insurance may apply, the liability coverage limit as shown on the Declarations Page is likely to be used up in the payment of judgments or settlements, we will notify the **insured person,** in writing, to that effect.\n- 2. When a limit of insurance described in paragraph 1 . above has actually been used up in the payment of judgments or settlements:\n\t- a. We will notify the **insured person,** in writing, as soon as practicable, that:\n\t\t- i. Such a limit has actually been used up; and\n\t\t- ii. Our duty to defend suits seeking damages subject to that limit has also ended.\n\t- b. We will initiate, and cooperate in, the transfer of control, to any appropriate **insured person,** of all claims and suits seeking damages which are subject to that limit and which are reported to us before that limit is used up. That **insured person** must cooperate in the transfer of control of said claims and suits.\n\nWe agree to take such steps, as we deem appropriate, to avoid a default in, or continue the defense of, such suits until such transfer is completed, provided the appropriate insured is cooperating in completing such transfer.\n\nWe will take no action whatsoever with respect to any claim or suit seeking damages that would have been subject to that limit, had it not been used up, if the claim or suit is reported to us after that limit of insurance has been used up.\n\n- c. The first Named Insured, and any other **insured person** involved in a suit seeking damages subject to that limit, must arrange for the defense of such suit within such time period as agreed to between the appropriate insured and us. Absent any such agreement, arrangements for the defense of such suit must be made as soon as practicable.\n- 3. The first Named Insured will reimburse us for expenses we incur in taking those steps we deem appropriate in accordance with paragraph 2. b. above.\n\nThe duty of the first Named Insured to reimburse us will begin on:\n\n- a. The date on which the applicable limit of insurance is used up, if we sent notice in accordance with paragraph 1 . above; or\n- b. The date on which we sent notice in accordance with paragraph 2.a. above, if we did not send notice in accordance with paragraph 1 . above.\n- 4. The exhaustion of any limit of insurance by the payments of judgments or settlements, and the resulting end of our duty to defend, will not be affected by our failure to comply with any of the provisions of this Condition.\n\nIncludes copyrighted material of Insurance Services Office, Inc. with its permission.\n\n\n\n# **IMPORT ANT FLOOD INSURANCE NOTICE**\n\nYour homeowners policy does NOT provide coverage for loss caused by flood or mudslide, which is defined, in part, by the National Flood Insurance Program as:\n\nA general and temporary condition of partial or complete inundation of normally dry land areas from overflow of inland or tidal waters or from the unusual and rapid accumulation or runoff of surface waters from any source.\n\nIf you are required by your mortgage lender to have flood insurance on your property, or if you feel that your property is susceptible to flood damage, insurance covering damage from flood is available on most buildings and contents in participating communities through the National Flood Insurance Program.\n\nInformation about flood insurance and whether your community participates in the program can be obtained from your insurance company, from your insurance agent, or directly from the National Flood Insurance Program by calling 1-800-638-6620.\n\n6072-03-00-0001 187-0023-0033970\n\n6072-03-00-0001187-0023-0033970\n\n~\n\n68\n\n# **ADDITIONAL INTERESTS**\n\nWith respect to coverage provided by this endorsement, all provisions and conditions ·of the policy apply unless they are changed by this endorsement.\n\nIn addition to the Mortgagee(s) shown in the Declarations Page or elsewhere in this policy, the following persons or organizations also have an interest in the **residence** designated below:\n\nLocation: 7 81 Fifth Avenue New York, NY 10022\n\nAdditional Interests:\n\nA. Name of Person or Organization: Giaimo Federal Building\n\nAddress: 150 Court Street 302 New Haven, CT 06510\n\nDescription of Interest: Office of the United States Trustee Effective Date of Interest: 2023-03-16\n\nB. Name of Person or Organization:\n\nAddress:\n\nDescription of Interest: Effective Date of Interest:\n\nCancellation and Non-Renewal Notification:\n\nIf we decide to cancel or not to renew this policy, the parties named above will be notified in writing.\n\n\n\n6072-03-00-0001 487-0024-0033971 6072-03-00-0001187-0024-0033971\n\n#### **DEDUCTIBLE WAIVER FOR LARGE LOSSES**\n\nWith respect to coverage provided by this endorsement, all provisions and conditions of the policy apply unless they are changed by this endorsement.\n\nAs respects the following location(s):\n\n781 Fifth Avenue 18th Floor New York, NY 10022\n\nIt is agreed and understood that for the premium charged Part II - PROPERTY. B. Payment of a Loss, Deductible is deleted and replaced with the following:\n\n#### Deductible\n\nThe deductible shown on the Declarations Page is the amount of a covered loss you will pay for each **occurrence.** The deductible does not apply to a covered loss of more than \\$50,000. This waiver of deductible does not apply to:\n\n- 1. Special deductibles for wind, hurricane, hail or earthquake; or\n- 2. Separate coverage deductibles contained within the Equipment Breakdown or Fraud Safeguard endorsements.\n\n~\n\n68\n\n# **EQUIPMENT BREAKDOWN COVERAGE**\n\nWith respect to coverage provided by this endorsement, all provisions and conditions of the policy apply unless they are changed by this endorsement.\n\nAs respects the following location:\n\n781 Fifth Avenue 18th Floor New York, NY 10022\n\nThe following additional coverage is added to the AIG Private Client Group Homeowners policy.\n\n# **AGREEMENT**\n\nWe will provide the insurance described in this endorsement in compliance with all applicable provisions of this policy. The most we will pay for loss, damage or expense under this endorsement arising from any **one accident** is \\$100,000 Coverage provided under this endorsement does not increase any limit of liability under Part 11, PROPERTY.\n\n#### **DEFINITIONS**\n\nThe following definitions are added:\n\n- 1 . **Accident** means sudden and accidental:\n\t- a mechanical or electrical breakdown; or\n\t- b. tearing apart, cracking, burning or bulging of a steam or hot water heating system, or an air conditioning system;\n\nthat results in direct physical damage to **covered equipment.**\n\n- 2. **Covered equipment**\n\t- a. **Covered equipment** means property, other than **contents,** covered under Part II -- PROPERTY:\n\t\t- (1) that generates, transmits or utilizes energy; or\n\t\t- (2) which, during normal usage, operates under vacuum or pressure, other than the weight of its contents.\n\t- b. None of the following is **covered equipment:**\n\t\t- (1) supporting structure, cabinet or compartment;\n\t\t- (2) insulating material;\n\t\t- (3) sewer piping, buried vessels or piping, or piping forming a part of a fire protective sprinkler system;\n\t\t- (4) water piping other than boiler feedwater piping, boiler condensate return piping or water piping forming a part of a refrigerating or air conditioning system;\n\t\t- (5) kitchen or laundry appliances, other than those permanently installed, including but not limited to, refrigerator, dishwasher, *oven,* stove, clothes washer or clothes dryer; or\n\t\t- (6) electronic entertainment or computer equipment, including but not limited to:\n\t\t\t- (a) television equipment inclusive of plasma television equipment;\n\t\t\t- (b) stereo equipment; or\n\t\t\t- (c) any electronic component used with such electronic entertainment or computer equipment.\n\n**Covered equipment** does, however, include permanently installed wiring associated with such electronic entertainment or computer equipment.\n\n### Case 22-50073 Doc 1787-9 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 52 of 68\n\n3. **One accident** means: If an initial **accident** causes other **accidents,** all will be considered **one accident.** All **accidents** that are the result of the same event will be considered **one accident.**\n\n#### **PROPERTY COVERAGES**\n\n**1** . We will pay for direct physical damage to **covered equipment** that is the result of an **accident.**\n\n#### **2. Additional Living Expense**\n\nCoverage for Additional Living Expense, as provided under C. Additional Coverages, is extended to the coverage provided by this endorsement. We will pay up to \\$20,000 per **accident** under this coverage. We will not pay for any expense incurred by you beyond 30 days after the **accident** even if it takes more than 30 days to restore your residence to a habitable condition or for your household to permanently locate elsewhere.\n\n#### **EXCLUSIONS**\n\nThe following exclusions are added:\n\n- 1 . We will not pay under this endorsement for loss, damage or expense caused by or resulting from electrical power surge or brownout.\n- 2. We do not cover under this endorsement any property that is not **covered equipment.**\n\n#### **DEDUCTIBLE**\n\nThe following deductible provision replaces any other deductible provision in the policy or on the Declarations Page with respect to loss covered under this endorsement.\n\nIn case of a loss under this endorsement, we will pay only for that part of the loss over \\$1,000. No other deductible applies to this coverage.\n\nThis deductible applies to the affected equipment regardless of any other deductible in this policy or any other policy. Your homeowner deductible will apply to any ensuing loss, but will be reduced by this deductible amount.\n\n#### **CONDITIONS**\n\nThe following conditions are added:\n\n#### 1 . **Environmental, Safety and Efficiency Improvements**\n\nIf **covered equipment** requires replacement due to an **accident,** we will pay your additional cost to replace with equipment that is better for the environment, safer or more efficient than the equipment being replaced.\n\nHowever, we will not pay more than 125% of what the cost would have been to replace with like kind and quality. This condition does not increase any of the applicable limits.\n\n#### 2. **Payment of a Loss**\n\nLosses under this endorsement will be settled as follows:\n\na. Our payment for damaged **covered equipment** will be the smallest of:\n\n- (1) The coverage limit shown for Equipment Breakdown;\n- (2) The cost to repair the damaged **covered equipment;**\n- (3) The cost to replace the damaged **covered equipment** on the same premises; or\n- (4) The necessary amount actually spent to repair or replace the damaged **covered equipment.**\n\n\n\n# Case 22-50073 Doc 1787-9 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 53 of\n\n- b. Except as described in Environmental, Safety and Efficiency Improvements *above,* you are responsible for the extra cost of replacing damaged **covered equipment** with property of a better kind or quality or of a different size or capacity. 68\n- c. If you do not repair or replace the damaged **covered equipment** within 24 months, after the date of the **accident,** then we will pay only the smaller of the:\n\t- ( **1** ) Cost it would have taken to repair at the time of the **accident;** or\n\t- (2) Actual cash value at the time of the **accident.**\n\n\n\n6072-03-00-000t 187-0027-0033974 6072-03-00-0001187-0027 -003397 4\n\n# **IMPORTANT**\n\n# **LIMITED FUNGI OR BACTERIA COVERAGE NOTICE** - **NEW YORK**\n\nPlease take special notice that your Homeowners Policy includes a provision that limits the remediation coverage for any loss or damage, which results from the presence, growth, spread or activity of **Fungi** or Bacteria. This limited coverage applies to PART II - PROPERTY.\n\n- The amount of property insurance available for loss to your property caused by **fungi** or bacteria is reduced. Full coverage is provided, up to the limit of the policy, to correct a **fungi** or bacteria situation resulting from damage caused by a covered peril. However, coverage is limited to \\$25,000 to repair or replace covered property containing **fungi** or bacteria beyond that which is required to repair or replace the covered property physically damaged by a covered loss.\n- **Fungi** are defined in the policy language and include mold;\n- Coverage is provided for the testing of air or property to confirm the absence, presence or level of **fungi** or bacteria.\n- Coverage for wet or dry rot either as a proximate or ensuing loss is excluded.\n\n#### **PART** II - **PROPERTY**\n\n#### **Fungi or Bacteria Remediation Expense**\n\nWe will pay up to \\$25,000 for the following expenses caused by the presence of **fungi** or bacteria which results from a covered loss, including;\n\n- 1. The cost to remove, remediate, contain, treat, detoxify or neutralize **fungi** or bacteria;\n- 2. The cost of testing or monitoring of air or property to confirm the absence, presence or level of **fungi** or bacteria whether performed prior to, during or after removal, repair, restoration or replacement. The cost of such testing will be provided only to the extent that there is a reason to believe that there is the presence of **fungi** or bacteria;\n- 3. The cost to remove debris of covered property containing **fungi** or bacteria beyond that which is required to remove debris of the covered property physically damaged by a covered loss;\n- 4. The cost to repair or replace covered property containing **fungi** or bacteria beyond that which is required to repair or replace the covered property physically damaged by a covered loss; and\n- 5. Up to \\$5,000 for the reasonable increase in living expenses incurred by you to maintain your household's usual standard of living if your **residence** is uninhabitable due to **fungi** or bacteria remediation. Payment will continue for the shortest period of time necessary to restore your **residence** to a habitable condition.\n\nThis **fungi** or bacteria remediation expense limit does not apply to **fungi** or bacteria resulting from a covered loss caused by fire or lightning. Therefore, for a covered loss caused by fire or lightning, the increased costs that are **fungi** or bacteria remediation expenses described above are covered as part of such covered loss up to the amount of coverage for your **house, other permanent structures,** or for **contents** if **contents** coverage is provided under this policy.\n\nHigher optional limits are available for an additional premium.\n\nThese payments do not increase the amount of coverage.\n\nAdditional limits of coverage may be available.\n\n**Fungi** means any type or form of fungus, including but not limited to all forms of mold or mildew, and any mycotoxins, spores, scents, vapors, gas or substance, including any by-products, produced or released by **fungi.**\n\n~\n\n# **Increased Fungi or Bacteria Remediation Expense - New York**\n\nWith respect to coverage provided by this endorsement, all provisions and conditions of the policy apply unless they are changed by this endorsement.\n\nAs respects the following location(s):\n\n781 Fifth Avenue 18th Floor New York, NY 10022\n\nIt is agreed and understood that Part II - PROPERTY, Additional Coverages, **Fungi** or Bacteria Remediation Expense is deleted and replaced by the following:\n\n#### **Fungi or Bacteria Remediation Expense**\n\nWe will pay up to \\$2,819,435 for the following expenses caused by the presence of **fungi** or bacteria which results from a covered loss or resulting from fire or lightning, including the cost;\n\n- **a.** to remediate, contain, treat, detoxify or neutralize **fungi** or bacteria;\n- **b.** of testing or monitoring of air or property to confirm the absence, presence or level of **fungi** or bacteria whether performed prior to, during or after removal, repair, restoration or replacement. The cost of such testing will be provided only to the extent that there is a reason to believe that there is the presence of **fungi** or bacteria;\n- **c.** to remove debris of covered property containing **fungi** or bacteria beyond that which is required to remove debris of the covered property physically damaged by a covered loss;\n- **d.** to repair or replace covered property containing **fungi** or bacteria beyond that which is required to repair or replace the covered property physically damaged by a covered loss; and\n- **e.** Up to \\$5,000 for the reasonable increase in living expenses incurred by you to maintain your household's usual standard of living if your **residence** is uninhabitable due to **fungi** or bacteria remediation. Payment will continue for the shortest period of time necessary to restore your **residence** to a habitable condition.\n\nThis **fungi** or bacteria remediation expense limit does not apply to **fungi** or bacteria resulting from a covered loss caused by fire or lightning. Therefore, for a covered loss caused by fire or lightning, the increased costs that are **fungi** or bacteria remediation expenses described above are covered as part of such covered loss up to the amount of coverage for your **house, other permanent structures,** or for **contents if contents** coverage is provided under this policy.\n\nThese payments do not increase the amount of coverage.\n\n~\n\n6072-03-00-0001187-0029-0033976\n\n6072-03-00-0001187-0029-0033976\n\n68\n\n# **WORKER'S COMPENSATION Certain Residence Employees** - **New York**\n\nWith respect to coverage provided by this endorsement, all provisions and conditions of the policy apply unless they are changed by this endorsement.\n\nAs respects the following New York location(s):\n\nIt is agreed and understood that, **Part** Ill. **D. Additional Coverages,** has been amended to include the following paragraph:\n\n**Workers' Compensation and Employer's Liability.**\n\nWe agree with respect to covered **residence employees:**\n\n#### **WHO IS COVERED**\n\nA covered **residence employee** under this endorsement is a **residence employee** who is engaged in regular employment of less than 40 hours per week or is engaged in casual employment.\n\nHowever, as stated in New York Insurance Law Section 3420ij)(1 ), coverage does not apply to an employee who is not required, under New York Workers' Compensation Law, to be covered. Attachment of this endorsement does not constitute a voluntary election of coverage under New York Workers' Compensation Law.\n\n#### *Workers' Compensation, Coverage I and Employers Liability, Coverage II*\n\n#### **UNDER COVERAGE** I\n\nTo pay when due all benefits required of an **insured person** by the New York Workers' Compensation Law; and\n\n#### **UNDER COVERAGE** II\n\nTo pay on behalf of an **insured person** all **damages** for which the **insured person** is legally liable because of **bodily injury** sustained by a covered **residence employee.** The **bodily injury** must be caused by accident or disease and arise out of and in the course of employment by the **insured person** while:\n\n- **a.** In the United States of America, its territories or possessions, or Canada; or\n- **b.** Temporarily elsewhere if the covered **residence employee** is a citizen or resident of the United States or Canada.\n\n#### **APPLICATION OF COVERAGE**\n\nThis insurance applies only to **bodily injury** which occurs during the policy period. If the **bodily injury** is a disease, it must be caused or aggravated by the conditions of the covered **residence employee's** employment by the **insured person.**\n\nThe covered **residence employee's** last day of last exposure to the conditions causing or aggravating such **bodily injury** by disease must occur during the policy period.\n\n#### **POLICY PROVISIONS**\n\nThis insurance is subject to all the provisions of this endorsement and the following provisions of this policy:\n\n- **1.** Under PART IV Conditions:\n\t- **A.** Your Duties After a Loss.\n\t- **C.** Recovery.\n\t- **D.** Assignment.\n\t- **E.** Changes.\n\t- **J.** Bankruptcy or Death.\n\t- **K.** Legal Action Against Us.\n\t- **P.** Our Cancellation.\n- **2.** Our agreement to defend the **insured person** as provided under PART Ill. Liability C. Defense Coverage and Claim Expense.\n- **3.** The definitions of **bodily injury, business** and **insured person.**\n\n#### **ADDITIONAL PROVISIONS APPLICABLE TO COVERAGE** I **and COVERAGE** II\n\nThe following definition is added as respect coverage provided by this endorsement only:\n\n#### **Residence employee** means:\n\n- a. An employee of an insured person, or an employee leased to an insured person by a labor leasing firm, under an agreement between an **insured person** and the labor leasing firm, whose duties are related to the maintenance or use of the **residence,** including household or domestic **services; or**\n- **b.** One who performs similar duties elsewhere not related to the **business** of an **insured person.**\n\n#### **ADDITIONAL PROVISIONS APPLICABLE TO COVERAGE** I\n\nThe following provisions are applicable to Coverage I:\n\n- **a. As** between the covered **residence employee** and us, notice to or knowledge of the **occurrence** of the injury on the part of an **insured person** will be deemed notice or knowledge on our part.\n- **b.** The jurisdiction of an **insured person** will, for the purpose of the law imposing liability for compensation, be our jurisdiction.\n\n#### **ADDITIONAL PROVISIONS APPLICABLE TO COVERAGE** II\n\nCoverage II does not apply to any suit brought in or judgment rendered by any court outside the United States of America, its territories and possessions, or Canada, or to any action on such judgment.\n\n#### **LIMITS OF LIABILITY COVERAGE** II\n\nWe may not limit our liability to pay damages for which we become legally liable to pay because of **bodily injury** to an **insured's persons** covered **residence employees** if the **bodily injury** arises out of and in the course of employment that is subject to and is compensable under the Workers' Compensation Law of New York.\n\n#### **OTHER INSURANCE**\n\nIf a loss covered by this insurance is also covered by other insurance, we will not pay more than our share of benefits and costs. The shares of all applicable insurance will be equal until the loss is paid. However, if a loss covered by this insurance is also covered by insurance written to cover **business** employees of an **insured person** who is a sole proprietor, this insurance is primary.\n\n\n\n#### **CONFORMITY TO STATUTE**\n\nIf any term of this insurance is in conflict with the New York Workers' Compensation Law, such term is amended by this statement to conform to that law.\n\n#### **EXCLUSIONS**\n\nThis policy does not apply:\n\n- **a.** To liability for **bodily injury** arising out of **business** pursuits of an **insured person.**\n- **b.** Under Coverage II:\n\t- **1.** To liability assumed by the **insured person** under any contract or agreement.\n\t- **2.** To any obligation under a workers' compensation, unemployment or disability benefits law or any similar law.\n\t- **3.** To punitive or exemplary damage because of **bodily injury** to a covered **residence employee** employed in violation of law.\n\t- **4.** To **bodily injury** to a covered **residence employee** employed in violation of law with the knowledge of an **insured person.**\n\t- **5.** To **bodily injury** intentionally caused or aggravated by an **insured person.**\n\t- **6.** To damages arising out of the unlawful discharge or coercion of, or unlawful discrimination against, a covered **residence employee.**\n\nIncludes copyrighted material from Insurance Services Office, Inc. with its permission.\n\n# **NEW YORK CREDIT DISCLOSURE NOTICE - RENEWALS**\n\nIn connection with this insurance, we previously used a credit report or obtained or used a credit-based insurance score based on information contained in that report. We may obtain or use credit information again provided, however, upon renewal such information may only be used to reduce premiums. An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be. Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies and foreclosures. The information used to develop the insurance score comes from TransUnion Corporation.\n\n\n\n6072-03-00-0001187-0032-0033979 6072-03-00-0001 187-0032-0033979\n\n# **INSURED PERSON ENDORSEMENT**\n\n**With respect to coverage provided by this endorsement, all provisions and conditions of the policy apply unless they are changed by this endorsement.**\n\n**A. PART** Ill- **LIABILITY,** Section A. **Insuring Agreement** is amended to include the individual person **named below as an insured person:**\n\nWe will pay **damages** an **insured person** is legally obligated to pay for **personal injury** or **property damage caused by an occurrence covered by this policy anywhere in the world, unless stated otherwise or an exclusion applies.**\n\n**Insured person:**\n\n**Residence:**\n\n**B.** With respect to coverage provided by this endorsement, the following additional provisions apply:\n\nIf the first named insured shown on the Declarations Page of this policy is a Limited Liability Corporation, or Trust, the following provisions apply:\n\nName of Entity: Genever Holdings, LLC\n\n**Residence** Address: 781 Fifth Avenue, 18th Floor, New York, NY 10022\n\n~\n\n68\n\n**PART** Ill - **LIABILITY,** only applies to an **occurrence** arising out of the ownership of the **residence** listed above. Additionally, the limited liability corporation members and managers of the limited liability **corporation, trust, or trustees are also an Insured Person with respects to the ownership 9f the residence.**\n\n~\n\n68","body_zh":"保险副本 0061821440 0051997 03/06/2023\n\n0001187 07 SP 2.700 *-SNGLP T 6072 10166 -C03-P01188-I 2\n• 1111 IIII111 , 11111, 1,, 11, 111111 1111 11 1 • 111 • 1111 1111 1 • 1 • 11 I I I I I II 1\n\nGenever Holdings LLC（杰尼弗控股有限责任公司）Lus A. Despins（Lus A. Despins），Ho Wan Kwok（郭文贵）的第11章受托人，200 Park Ave，New York，NY 10166\n\nAIG Private Client Group（AIG私人客户集团）\n\nAIG Property Casualty Company（AIG财产意外保险公司）\n\n（出单公司名称）\n\n批单\n\n生效日期：03/16/2023\n保单变更通知，请参阅您修订后的声明页\n\n您的声明页一目了然地列示您所享有的保险保障及您的保费。您的声明页是您保单的一部分。请仔细阅读您的保单，包括您的声明页及任何附加的批单，以了解您的保险保障说明。\n\n保单号码：\n\nPCG 0061821440\n被保险人姓名及邮寄地址：\n\nGenever Holdings LLC（杰尼弗控股有限责任公司）Lus A. Despins（Lus A. Despins），Ho Wan Kwok（郭文贵）的第11章受托人，200 Park Ave，New York, NY 10166 USA\n\n保单期间：03/06/2023 -03/06/2024，于下列所示您的邮寄地址当地标准时间上午12:01起\n\n代理机构名称、地址、电话号码及代码：\n\nWolfson Insurance Brokerage, Inc.（沃尔夫森保险经纪公司）358 Fifth Avenue, 8th Floor，New York, NY 10001\n\n(212) 683-2622 - 0051997\n您的保单已变更\n\n生效日期：03/16/2023 变更摘要：修改邮寄地址\n\n年度保费变更：修订后的年度保费：$66,358.00 批单保费：$0\n\n自：03/16/2023 至：03/06/2024\n\n案件 22-50073 文书 1787-9 提交于 05/12/23 录入于 05/12/23 16:37:59 第 5 页，共\n\nAIG Private Client Group（AIG私人客户集团）\n\nAIG Property Casualty Company（AIG财产意外保险公司）（出单公司名称）批单 生效日期：03/16/2023\n纽约州房主保险声明页\n\n您的声明页一目了然地列示您所享有的保险保障及您的保费。您的声明页是您保单的一部分。请仔细阅读您的保单，包括您的声明页及任何附加的批单，以了解您的保险保障说明。\n\n被保险人姓名及邮寄地址：Genever Holdings LLC（杰尼弗控股有限责任公司）Lus A. Despins（Lus A. Despins），Ho Wan Kwok（郭文贵）的第11章受托人，200 Park Ave，New York, NY 10166 USA\n\n保单号码：保单期间：03/06/2023 - 03/06/2024 PCG 0061821440，于下列所示您的邮寄地址当地标准时间上午12:01起\n\n代理机构名称、地址、电话号码及代码：\n\nWolfson Insurance Brokerage, Inc.（沃尔夫森保险经纪公司）358 Fifth Avenue, 8th Floor，New York, NY 10001\n\n(212) 683-2622 - 0051997\n任何应付保费将另行向您计费。\n\n承保的损失类型以及适用的任何特别限额或免赔额，均在您的保单中作出了详细说明。\n按地点列示的保险保障摘要：\n781 Fifth Avenue, 18th Floor, New York, NY 10022\n\n保险保障 赔付基础 保险限额\n\n合并增建、改建及财物 重置成本 $28,194,359\n额外生活费用\n责任保险 无限额\n$1,000,000\n医疗赔付 $10,000\n除非适用特别免赔额，否则该地点适用$10,000免赔额。地点保费：$66,358.00\n\n除非适用特别免赔额，否则该地点适用$10,000免赔额。\n本地点附附表及批单：\n\nPCHO-WC-NY (03/14), PCHO-DWLL (09/06), PCHO-AINT (08/00), PCHO-EB (09/06), PCG-PRIVNOT (09/21) PCHO-AENY (09/06), PCHO-DEC-NY (05/13), HNOT-NY (01/95), PCHO-FUNGINOT-NY (05/08) PCHO-IFR-NY (09/06), PCG-CRNOTR-NY (12/09), PCG-OESNOT-NY (02/21), PCHO (09/06) PCG-FEENOTICE (08/18), 91222 PCG (09/16), PCG-CL NO (06/06), PCGOFACNOT (07/14) PCG-OFAC (05/22), PCHO-CHGN (07/01) PCG-MAN (01/05)\n\n保费总额：$66,358.00\n\n案件 22-50073 文书 1787-9 提交于 05/12/23 录入于 05/12/23 16:37:59 第 6 页，共 68 页\n\n~\n\nAMERICAN INTERNATIONAL GROUP, INC. (AIG)（美国国际集团有限公司）如何处理您的个人信息？\n\n金融公司自行决定如何共享您的个人信息。联邦法律赋予消费者限制某些但非全部信息共享的权利。联邦法律还要求我们告知您我们如何收集、共享和保护您的个人信息。请仔细阅读本通知，以了解我们的做法。\n\n我们收集和共享的个人信息类型取决于您向我们购买的产品或服务。该等信息可能包括：\n• 社会保障号码和医疗信息\n• 收入和信用记录\n• 付款记录和就业信息\n\n当您不再是我们的客户后，我们仍将按照本通知所述共享您的信息。\n\n所有金融公司均须共享客户的个人信息，以开展其日常业务。下文列明金融公司可以共享客户个人信息的原因；AIG选择共享信息的原因；以及您是否可以限制该等共享。\n\n我们可共享您个人信息的原因 AIG是否共享？ 您能否限制该等共享？\n\n用于我们的日常业务目的——例如处理您的交易、维护您的账户、回应法院命令和法律调查、开展包括数据分析在内的研究，或向征信机构报告 是 否\n\n用于我们的营销目的——向您提供我们的产品和服务 是 否\n\n与其他金融公司进行联合营销 是 否\n\n用于我们关联公司的日常业务目的——有关您的交易和经验的信息 是 否\n\n用于我们关联公司的日常业务目的——有关您信用状况的信息 否 我们不共享\n\n供非关联方用于向您营销 否 我们不共享\n\n有问题吗？\n\n对于AIG保险公司：致电 866-244-4786；传真：212-458-7081，或发送电子邮件至：CIPrivacy@aig.com\n\n对于由AIG保险公司出售的宠物保险：致电 866-937-7387，或发送电子邮件至：\n\nCIPrivacy@aig.com\n\n对于LiveTravel, Inc.（LiveTravel公司）、Travel Guard Group, Inc.（旅行卫士集团公司）或AIG Travel Assist, Inc.（AIG旅行援助公司）：致电 866-244-4786，或发送电子邮件至：CIPrivacy@aig.com\n\n我们是谁 68\n\n谁提供本通知？ 承保财产意外险、意外与健康险、人寿保险及相关服务的American International Group, Inc. (AIG)（美国国际集团有限公司）保险公司子公司，以及下列AIG的某些营销子公司。\n\n我们的做法\n\nAIG如何保护我的个人信息？ 为保护您的个人信息免遭未经授权的访问和使用，我们采用符合联邦法律的安全措施。这些措施包括计算机防护措施以及安全文件和建筑物。我们仅允许已接受处理非公开个人信息培训的员工、代表、代理人或特定第三方访问该等信息。\n\nAIG如何收集我的个人信息？ 例如，我们在您进行以下行为时收集您的个人信息：\n• 申请保险或支付保险费\n• 提交保险索赔或向我们提供您的收入信息\n• 提供就业信息\n我们还会从其他方收集您的个人信息，例如征信机构、关联公司或其他公司。\n\n为何我不能限制所有共享？ 联邦法律仅赋予您限制以下共享的权利：\n• 为关联公司的日常业务目的共享有关您信用状况的信息\n• 限制关联公司使用您的信息向您营销\n• 限制向非关联方共享信息以便其向您营销\n州法律和个别公司可能赋予您限制共享的额外权利。有关您依据州法律享有的权利，请参阅下文。\n\n定义\n\n关联公司 因共同所有权或控制权而关联的公司。其可以是金融公司或非金融公司。\n• 我们的关联公司包括American International Group, Inc.（美国国际集团有限公司）的成员公司，例如National Union Fire Insurance Company of Pittsburgh Pa.（匹兹堡宾夕法尼亚州国民联合火灾保险公司）。\n\n非关联方 不因共同所有权或控制权而关联的公司。其可以是金融公司或非金融公司。\n• AIG不会与非关联方共享信息以便其向您营销。\n\n联合营销 非关联金融公司之间达成的正式协议，共同向您营销金融产品或服务。\n• 我们的联合营销合作伙伴包括我们与其共同提供保险产品的公司，例如银行。\n\n其他重要信息\n\n本通知由American Home Assurance Company（美国家庭保险公司）；AIG Assurance Company（AIG保证公司）；AIG Property Casualty Company（AIG财产意外保险公司）；AIG Specialty Insurance Company（AIG专业保险公司）；Commerce and Industry Insurance Company（商业与工业保险公司）；Granite State Insurance Company（花岗岩州保险公司）；Illinois National Insurance Co.（伊利诺伊国民保险公司）；Lexington Insurance Company（列克星敦保险公司）；AIU Insurance Company（AIU保险公司）；National Union Fire Insurance Company of Pittsburgh, Pa.（匹兹堡宾夕法尼亚州国民联合火灾保险公司）；National Union Fire Insurance Company of Vermont（佛蒙特州国民联合火灾保险公司）；New Hampshire Insurance Company（新罕布什尔保险公司）；The Insurance Company of the State of Pennsylvania（宾夕法尼亚州保险公司）（合称“AIG Insurance Companies”）提供。本通知亦由AIG的某些营销子公司提供，包括向消费者营销保险或非保险产品及服务的Morefar Marketing, Inc., LLC（Morefar营销有限责任公司）、Travel Guard Group, Inc.（旅行卫士集团公司）、AIG Travel Assist, Inc.（AIG旅行援助公司）及LiveTravel, Inc.（LiveTravel公司）。\n\n仅适用于佛蒙特州居民。除非您授权我们作出该等披露，否则我们不会向关联公司披露有关您信用状况的信息，也不会向非关联第三方披露您的个人信息、财务信息、信用报告或健康信息以便其向您营销，但佛蒙特州法律允许的情形除外。有关我们隐私政策的更多信息，可使用上述“有问题吗？”项下的联系信息获取。\n\n仅适用于加利福尼亚州居民。除加利福尼亚州法律允许的情形外，例如为处理您的交易或维护您的账户，我们不会将我们收集的有关您的信息与非关联第三方共享。\n\n仅适用于内华达州居民。我们根据内华达州法律提供本通知。您可通过上述所列方式联系我们，选择被列入我们的内部“请勿致电”名单。内华达州法律还要求我们向您提供以下联系信息：Bureau of Consumer Protection（消费者保护局），Office of the Nevada Attorney General（内华达州总检察长办公室），555 E. Washington Street, Suite 3900, Las Vegas, NV 89101；电话号码：702-486-3132；电子邮箱：aginfo@ag.nv.gov。您可使用上述联系信息联系相应的客户服务部门，或致函我们：Privacy Officer（隐私官），1271 Ave of the Americans, FL 37, New\n\n您有权查阅并在必要时更正个人数据。这需要提交书面请求，既用于查阅您的个人数据，也用于请求更正。如果我们不同意您的更正，我们无需更改我们的记录，但会将您的陈述存入我们的档案。如您希望获得关于我们信息处理做法及您权利的更详细说明，请致函我们：\n\nYork, NY 10020-1304。\n\n收件人：Privacy Officer（隐私官），CIPrivacy@aig.com。\n通知 通知\n\n如需报告索赔，请联系： 如需报告索赔，请联系：\n+1-888-760-9195 +1-888-760-9195\n\nPCG-CL NO (06/06) PCG-CL NO (06/06)\n\nAIG Private Client Group（AIG私人客户集团）\n投保人通知\n感谢您从American International Group, Inc. (AIG)（美国国际集团有限公司）的成员公司购买保险。AIG成员公司通常向经纪人和独立代理人支付报酬，并且可能已就您的保单支付报酬。您可访问我们的网站www.aig.com/producer-compensation或致电1-800-706-3102，查阅并获取有关AIG成员公司在美国向经纪人和独立代理人支付报酬的性质及范围的信息。\n\n~\n有关您保单的重要通知\n分期付款费用\n\n除非选择一次性全额付款，否则您的保单将按每期收取分期付款费用。费用金额载于您的账单。\n\n案件 22-50073 文书 1787-9 提交于 05/12/23 录入于 05/12/23 16:37:59 第 16 页，共\n\n~\n致老年投保人的重要通知——纽约州\n\n年满六十五周岁或以上的被保险人可向保险人提出书面请求，指定一名受指定人接收取消和不续保通知。如因任何原因向记名被保险人发出取消或不续保通知，记名被保险人的受指定人亦将收到该通知副本。\n\n纽约州法律要求，高龄被保险人向保险公司发出的告知第三方指定的通知，应包括第三方被指定人的书面接受。该通知必须通过要求回执的挂号信寄送至公司，地址如下：\n\nAIG Property Casualty Company（AIG财产保险公司） 收件人：客户服务部 1271 Avenue of the Americas New York, NY 10020\n\n如您希望指定第三方被指定人，请在下方提供被指定人的信息。请签署您的姓名，并让被指定人也提供其签名。\n\nj 保单号码：PCG 0061821440\n\n签名：____________ _\n\n被指定为第三方并不构成对任何责任的承认。如您在任何时候希望终止本被指定人协议，您必须向公司和高龄被保险人双方发送书面通知。\n\n被指定人姓名：\n\n地址：\n城市：l\n州：I\n邮政编码\n\n（被指定人签名） （日期）\n\n被保险人副本\n\n~\n（被指定人签名） （日期）\n\nPCG-DESNOT-NY (02/21) © American International Group, Inc.（美国国际集团公司）保留所有权利。第 1 页，共 1 页\n6072-03-00-0001187-0010-0033957\n\n致高龄保单持有人的重要通知——纽约\n\n年满六十五周岁或以上的被保险人可向保险人提出书面请求，指定一名被指定人接收取消及不续保通知。无论因何原因，如向记名被保险人发送取消或不续保通知，记名被保险人的被指定人亦将收到该通知的副本。\n\n纽约州法律要求，高龄被保险人向保险公司发出的告知第三方指定的通知，应包括第三方被指定人的书面接受。该通知必须通过要求回执的挂号信寄送至公司，地址如下：\n\nAIG Property Casualty Company（AIG财产保险公司） 收件人：客户服务部 1271 Avenue of the Americas New York. NY 10020\n\n如您希望指定第三方被指定人，请在下方提供被指定人的信息。请签署您的姓名，并让被指定人也提供其签名。\n\nI 保单号码：PCG 0061 8 21440\n\n签名：-------------\n\n被指定为第三方并不构成对任何责任的承认。如您在任何时候希望终止本被指定人协议，您必须向公司和高龄被保险人双方发送书面通知。\n\n被指定人姓名：\n\n地址：\n城市：1 州：I\n邮政编码\n\n公司副本\n本批单变更保单。请仔细阅读。\n经济制裁批单\n\n以下内容添加至其所附保单：\n\n保险人不应被视为提供保险保障，且保险人对本协议项下任何索赔的支付或任何利益的提供不承担责任，但以提供该等保险保障、支付该等索赔或提供该等利益会使保险人、其母公司或其最终控制实体受到联合国决议，或欧洲联盟、英国或美利坚合众国的贸易或经济制裁、法律或法规项下的任何制裁、禁止或限制的范围为限。\n\n6072-03-00-0001 187-001 1-0033958 6072-03-00-0001187-0011-0033958 您作为保单持有人的权利，以及向您、任何被保险人、附加被保险人、损失收款人、抵押权人或索赔人支付的本保单项下损失款项，可能会受到美国外国资产控制办公室（OFFICE OF FOREIGN ASSETS CONTROL，以下简称“OFAC”）对美国经济禁运和贸易制裁的管理与执行的影响。\n\n美国对国家、团体和个人实施经济制裁，例如恐怖分子和毒品贩运者。这些制裁禁止美国人与这些受制裁方进行交易。本通知旨在告知您，我们不得通过与受制裁国家或人员进行交易而违反美国制裁。\n\n什么是 OFAC？\n\nOFAC 是财政部的一个办公室，其依据总统的战时及国家紧急状态权力，以及特定立法授予的权限，对交易实施管制，并冻结美国管辖范围内的外国资产。OFAC 主要针对以下对象管理和执行经济禁运及贸易制裁：\n\n• 目标外国国家及其代理人\n• 支持恐怖主义的机构和组织\n• 国际毒品贩运者\n• 大规模杀伤性武器扩散者\n\n禁止活动\n\n• OFAC 对指定国家执行某些禁运和制裁。任何美国企业或个人均不得进行涉及指定“受制裁”国家的交易。\n• OFAC 在其网站上公布一份称为“特别指定国民和被封锁人员”（“SDNBP”）名单。任何美国企业或个人均不得进行涉及 SDNBP 名单所列任何个人或实体的交易。\n\n有关 OFAC 制裁计划和国家的更多信息，请访问：htt /sanctions/Program sf Pages/Programs. aspx\n\nOFAC 对我方施加的义务\n\n如我们确定您或任何被保险人、附加被保险人、损失收款人、抵押权人或索赔人在 SDNBP 名单上，或如法规所述与受制裁国家有关联，我们必须封锁或“冻结”财产以及任何资金转移或交易的付款。\n\n我方可能采取的行动\n\n1. 如提供保险保障将违反联合国决议，或欧洲联盟或美利坚合众国的任何适用贸易或经济制裁、法律或法规项下的制裁、禁止或限制，我方不应被视为提供保险保障。除非经 OFAC 批准，您将不会获得退还保费。所有资金将存入设立在美国金融机构账簿上的计息冻结账户。\n\n2. 在该等保险保障、支付该等索赔或提供该等利益将违反美利坚合众国的任何贸易或经济制裁、法律或法规的范围内，我方不会支付索赔或提供任何利益；在为个人、实体或公司进行辩护或根据您的保单提供任何其他利益将违反美利坚合众国的任何贸易或经济制裁、法律或法规的范围内，我方亦不会如此行事。\n\n您作为保单持有人的权利\n\n如我方与美国外国资产控制办公室（OFFICE OF FOREIGN ASSETS CONTROL）共同冻结或封锁资金，您可以填写“解除冻结资金申请表”，并申请特定许可证以请求解除该等资金。表格可从 OFAC 网站下载。参见 htt ustreas .gov /offices/eotffc/ofac/legal/forms/1 icense. pdf\n\n~\nAIG Private Client Group（AIG私人客户集团）\n房主保险保障\n快速参考\n\n声明页\n\n您的姓名和地址 交易 保单期间 保障限额 保费 表格\n\n保险保障由声明页中列明的 American International Group, Inc.（美国国际集团公司）成员公司提供。各该公司均为股份公司。\n\n保单条款 起始页码\n\n第一部分——\n定义 1\n第二部分——\n财产 2\nA. 保险协议\nB. 损失支付\nC. 附加保障\nD. 除外责任\n第三部分——\n责任 9\nA. 保险协议\nB. 损失支付\nC. 抗辩保障和索赔费用\nD. 附加保障\nE. 除外责任\n第四部分——\n条件 11\n\n本合同连同声明页及批单（如有），构成完整保单。\n\n没有声明页，本保单不完整\n\n房主保险保障——保单条款\n\n您的声明页中列明的保险公司将提供本保单所述的保险。您同意支付保费并履行本保单所述的责任。\n\n本保单中的各项条款限制或排除保险保障。请仔细阅读整份保单，以确定您的权利和义务，以及哪些事项在保障范围内、哪些事项不在保障范围内。除非已完全遵守保单第四部分——条件，否则我方没有提供保险保障的义务。\n\n第一部分——定义\n\n具有特殊含义的词语在本处或其使用所在的保单部分中予以定义。在整份保单中，定义术语在使用时将以粗体显示。\n\n在本保单中，“您”“您的”和“属于您的”系指声明页中列明的一名或多名人员及与其同住的“配偶”。“我方”“我方的”和“属于我方的”系指声明页中列明的保险公司。\n\n如本保单所用，声明页包括对其作出补充的任何明细表。\n\n此外，在本保单中，下列词语：\n\n航空器，系指用于或设计用于飞行的任何装置，但不包括未用于或设计用于载运人员或货物的模型或业余爱好飞行器。\n\n人身伤害，系指身体伤害，包括由此导致的疾病或病症、所需照护、服务丧失或死亡。\n\n业务，系指兼职或全职的贸易、职业或专业活动，包括农业或牧场经营，但不包括附带业务。\n\n财物，系指由您或家庭成员拥有或占有的个人财产。\n\n对于声明页中列明的任何公寓、合作公寓或出租单元住所，财物包括您已支付费用或自费取得的、与该住所一并存在的增建、改建、不动产项目、装置或固定设施。根据公寓或合作公寓协会的管理规则，该财产必须由您承担保险责任。\n\n损害赔偿金，系指为满足本保单所承保的任何索赔所需的金额，无论该索赔由我方以书面方式和解并同意，还是通过司法审查解决。\n\n家庭成员，系指与您具有血缘、婚姻或收养关系并与您同住的人，包括受监护儿童或寄养儿童。\n\n真菌，系指任何种类或形式的真菌，包括但不限于各种形式的霉菌或霉斑，以及由真菌产生或释放的任何真菌毒素、孢子、气味、蒸气、气体或物质，包括任何副产物。\n\n房屋，系指您居住、拟居住的、由您拥有的一户、两户、三户或四户住宅，或声明页中列明的任何非公寓或合作公寓地点。\n\n附带业务，系指在任何一年内产生的总收入不超过 $10,000、没有受工伤赔偿或其他类似残疾法律约束的雇员，并且符合联邦、州和地方法律的经营活动。附带业务包括农业经营，但前提是该经营不涉及在保单期间雇用他人从事超过 1,250 小时的农场工作，且不因饲养或照料动物或农业产生超过 $25,000 的年度总收入。附带业务包括声明页中列明且由您拥有并出租给他人的住所。\n\n被保险人，系指：\n\n• a. 您或家庭成员；\n• b. 保单中列明的附加被保险人；\n• c. 经您或家庭成员许可使用本保单承保的车辆或船舶，并就因其使用而产生的法律责任而言的任何人员；或\n• d. 配偶。配偶是婚姻伴侣。配偶一词还包括根据州法律登记为声明页所示被保险人的家庭伴侣的个人。\n\n景观，系指您住所土地上的树木、草坪、灌木及其他植物，但不包括林木或灌丛。\n\n医疗费用，系指医疗、牙科、医院、外科、X 光、假肢装置、专业护理、救护车及丧葬服务的合理费用。\n\n事故事件，系指：\n\n• a. 本保险适用的损失或事故，包括在保单期间发生的、持续或反复暴露于实质相同的一般有害条件，并导致人身伤害或财产损失的情形；或\n• b. 本保险适用的违法行为，包括在保单期间实施的一系列相关违法行为，并导致人身伤害或财产损失的情形。\n\n其他永久性构筑物，系指位于您住所土地上且由您拥有的室外构筑物。\n\n人身伤害是指下列伤害或由此导致的死亡：\n\na. 身体伤害；\nb. 非法拘留、非法监禁或非法逮捕；\nc. 惊吓、精神痛苦、精神伤害；\nd. 侵犯隐私；\ne. 诽谤、书面诽谤或口头诽谤；\nf. 恶意起诉；\ng. 非法进入或驱逐；或\nh. 为保护人员而故意实施的攻击和殴打。\n\n财产损失是指对有形财产造成的实际损害、毁坏或丧失使用权，以及由此造成的使用损失。\n\n重建费用是指在损失发生时，为实现下列目的所需金额中较低者：\n\na. 修复或维修一项建筑物；或\nb. 在同一地点以同类、同等质量的材料替换或重建一项建筑物；\n\n重建费用不包括为挖掘、更换或稳定建筑物下方或周围土地所需的任何金额。\n\n娱乐机动车是指：\n\na. 设计用于公共道路以外、且不受机动车登记或驾驶人执照要求约束的机动陆地车辆；\nb. 在您的住所处处于闲置存放状态的机动陆地车辆；或\nc. 仅用于且为《声明页》所示地点提供服务的机动陆地车辆。\n\n住所是指《声明页》所列的下列任一项：\n\na. 您拥有的任何房屋、其他永久性建筑物及场地；\nb. 您拥有或居住的任何共管公寓单元、合作公寓或公寓单元；或\nc. 您租赁以供居住的任何其他类型住宅。\n\n住所雇员是指：\n\na. 其职责与住所场所的维护或使用有关（包括家务或家庭服务）的您的雇员；或\nb. 在与您的业务无关的其他地点履行类似职责的人。\n\n船舶是指设计用于水上、水面或水下的船只或其他器具。\n\n第二部分——财产\n\nA. 保险协议\n\n除非适用某项除外责任，本保单承保您的房屋、动产和其他永久性建筑物遭受的一切直接实际损失或损害风险。\n\nB. 损失赔付\n\n1. 您的房屋和其他永久性建筑物的保险金额\n\n《声明页》所示各地点中每栋房屋及其他永久性建筑物的保险金额，按照《声明页》所示的赔付基础确定：\n\na. 保证重建费用保障\n\n如本保单《声明页》所示，我们将支付保证重建费用。保证重建费用保障是指，对于承保损失，我们将就每次事故支付您的房屋或其他永久性建筑物的重建费用，即使该金额高于《声明页》所示的保险金额。但是，您必须自损失发生之日起两年内，在同一地点开始修复或重建您的房屋或其他永久性建筑物。否则，最高赔付金额为《声明页》就该地点所示的保险限额。\n\nb. 重置费用保障\n\n如本保单《声明页》所示，我们将支付重置费用。重置费用保障是指，对于承保损失，我们将就每次事故支付您的房屋或其他永久性建筑物的重建费用，最高不超过您的《声明页》就该地点所示的保险限额。对于承保的全损，我们将就每次事故支付重建费用，最高不超过您的《声明页》就该地点所示的保险限额，无论您是否实际重建您的房屋或其他永久性建筑物。保险金额将每日增加，以反映通货膨胀的现行影响。在发生承保损失时，您的房屋和其他永久性建筑物保障将包括自保险期间开始以来美国消费者价格指数的任何上涨。\n\n您的赔付基础受以下限制约束。如果在保险期间内的任何时间，您新建您的房屋或其他永久性建筑物；建造扩建部分；或进行金额等于或超过房屋保险限额的10%或$500,000两者中较低者的翻修；以及/或者因此导致您在任何一段时间内搬离房屋，则您房屋或其他永久性建筑物的赔付基础为重建费用减去折旧。本限制不适用，前提是我们另行事先给予书面同意。\n\n在保单续保时或进行评估时，我们可以变更《声明页》所示的保险金额，以反映现行成本和价值。\n\n2. 您的动产的保险金额\n\n每一承保住所的动产保险金额列于您的《声明页》。对于承保损失，我们将支付的金额取决于承保损失发生的地点：\n\n在住所内：\n\na. 如住所内的动产发生损失，且该住所具有动产保障：\n\ni. 列于本保单《声明页》：\n\n我们将就每次事故支付该地点动产保险限额以内的金额；或\n\nii. 根据与我们有效存续的另一份房主保单：\n\n我们不会根据本保单支付任何金额。\n\nb. 如位于不具有动产保障的住所内的动产，或者位于由被保险人拥有或租赁、但未列于本保单《声明页》、我们签发的任何其他保单或我们的关联公司签发的任何保单中的房屋、共管公寓、合作公寓或租赁单元内的动产发生损失：\n\n我们将就每次事故支付本保单所列任一单一地点最高动产保险限额的10%以内的金额。赔付将以单一地点为基础，且不会根据我们或我们的关联公司签发的一份以上保单作出赔付。\n\n但是，在您开始将财产搬入新取得住所后的六十（60）天内，该住所内的动产不受此限制。\n\n在住所外：\n\nc. 如位于您拥有或居住的任何住所或地点以外的动产发生损失：\n\n我们将就每次事故支付本保单所列任一单一地点最高动产保险限额以内的金额。赔付将以单一地点为基础，且不会根据我们或我们的关联公司签发的一份以上保单作出赔付。\n\n对于承保损失，我们最高支付金额为修复损害所需金额或在不扣除折旧的情况下全额重置动产的费用两者中较低者，但不超过保险限额。\n\n但是，如动产因其使用年限或状况而对于其原定用途已过时或无法使用，则对于承保损失，我们最高支付金额为修复或重置动产的费用减去折旧，但不超过保险限额。\n\n如在房屋和动产均发生承保损失后，我们因保证重建费用而支付超过房屋保障保险限额的金额，我们将自动按我们增加房屋保障金额的相同比例增加该损失的动产保障金额。\n\n您的动产保险金额将每日增加，以反映通货膨胀的现行影响。在发生承保损失时，您的动产保障将包括自保险期间开始以来美国消费者价格指数的任何上涨。\n\n3. 免赔额\n\n《声明页》所示的免赔额，是您就每次事故应自行承担的承保损失金额。\n\n除非该免赔额属于飓风、风和冰雹或命名风暴等特别免赔额，否则《声明页》所示的您的免赔额将因本保单中的任何其他免赔额而减少。\n\n施工免赔额。如果在保险期间内的任何时间，您新建您的房屋或其他永久性建筑物；建造扩建部分；或进行金额等于或超过房屋保险限额的10%或$500,000两者中较低者的翻修；以及/或者因此导致您在任何一段时间内搬离房屋，则每次事故将适用5%施工特别免赔额，以替代基本免赔额。该免赔额适用于您的房屋、其他永久性建筑物、动产及附加保障。该免赔额的美元金额以损失发生时《声明页》就该地点所示的房屋保险限额为基础。该免赔额不排除可能适用的任何其他特别免赔额。如已选择大额损失免赔额豁免批单，则该批单不适用。如我们另行事先给予书面同意，则施工免赔额不适用于该损失。\n\n4. 成对物品、成套物品和部件\n\n对于成对物品或成套物品的承保损失，我们将支付下列金额中较低者：\n\na. 重置丢失或受损财产的费用；\nb. 将受损财产修复或维修至损失发生前状态的费用；\nc. 该成对物品或成套物品在损失发生前和损失发生后的市场价值差额；或\nd. 保险金额。\n\n但是，如您同意将该成对物品或成套物品的剩余物品交予我们，我们将向您支付整套成对物品或成套物品的全额重置费用。\n\n5. 特别责任限额\n\na. 下列各类别所示的限额，是我们就该类动产的承保损失将支付的最高金额。这些特别限额不增加您动产的保险金额。\n\ni. 货币、纸币、汇票、付款委托书、汇票、支票，或黄金、白银或铂金金条或锭 $2,500\n\nii. 船舶，包括其舷外发动机、设备和配备物 $5,000\n\niii. 拖车 $5,000\n\niv. 墓碑和陵墓 $50,000\n\nb. 下列各类别所示的限额，是我们就该类动产的承保损失将支付的最高金额，除非其存放于银行金库或银行保管箱中；在该情况下，我们将就每次事故支付保单所列动产保障总额以内的金额。这些特别限额不增加您动产的保险金额。\n\ni. 邮票、硬币和奖章 $5,000\n\nii. 可转让票据、证券、账目、债务凭证、信用证、票据（纸币除外）、手稿、护照、票证 $5,000\n\nc. 对于下列类别的动产，我们将就每次事故支付保单所列动产保障保险限额以内的金额，除非其丢失、错放或被盗；在该情况下，我们仅支付下列所示限额以内的金额。这些特别限额不增加您动产的保险金额。\n\ni. 珠宝、手表、贵重宝石或半贵重宝石，无论是否镶嵌 $5,000\n\nii. 毛皮 $5,000\n\niii. 枪支 $5,000\n\niv. 银器、金器、锡器或奖杯 $10,000\n\nd. 对于下列类别的动产，我们将就每次事故支付保单所列动产保障总额以内的金额，除非损失由破损造成；在该情况下，我们仅支付下列所示限额以内的金额。这些特别限额不增加您动产的保险金额。\n\ni. 水晶制品、瓷器、瓷制品、小雕像、雕像、雕塑、镜子、葡萄酒瓶、玻璃器皿及类似物品。$50,000\n\nC. 附加保障\n\n除非另有说明，这些保障在《声明页》所示保险金额之外提供。除非另有说明，您的免赔额适用于这些保障。除外责任载于D节。除外责任；责任限额载于B节第5项。特别责任限额，并适用于这些保障。\n\n1. 附加生活费用\n\n如果承保损失致使您的住宅无法居住，我们将赔付您为维持家庭通常生活水平而产生的任何合理增加的生活费用。赔付将持续至将您的住宅恢复至可居住状态或您的家庭永久迁往他处所需的最短合理期限。如果您的住宅正在施工，且您在损失发生时居住于该住宅内，则在您恢复至损失发生前的状态后，额外生活费用将停止。我们不赔付与重建您的房屋相关的任何贷款利息或增加的保单保费。但是，如果您在损失发生前未居住于该住宅，或因施工或翻修而已搬出，则本地点不适用额外生活费用。\n\n我们还仅赔付与寄养您的家养动物有关的合理费用。\n\n2. 评估费\n\n对于在保单期间向房主协会、公寓协会或合作住宅协会的全体成员收取的评估费中由您承担的份额，我们将在每次事故中最多赔付 \\$100,000。\n\n该评估费必须系因承保的财产损失，或因本保单承保的责任而产生。我们不赔付因地震造成损失而收取的评估费；但是，除非适用其他除外责任，对于因盗窃、爆炸、火灾或玻璃破碎导致的后续承保损失而收取的评估费中由您承担的份额，我们将予以赔付。对于因您协会保险中的免赔额而产生的任何评估费，我们赔付不超过 \\$10,000。由此产生的评估费必须系因承保的财产损失，或因本保单承保的责任而产生。我们不赔付因地震造成损失而收取的评估费；但是，除非适用其他除外责任，对于因盗窃、爆炸、火灾或玻璃破碎导致的后续承保损失而收取的评估费中由您承担的份额，我们将予以赔付。您的免赔额不适用于本项保障。\n\n3. 公平租赁价值\n\n如果因本保单承保的损失，您无法将通常出租给他人的住宅或住宅的一部分出租，我们将于将您的住宅或该部分住宅恢复至可居住状态所需的合理期限内，赔付其公平租赁价值。\n\n4. 强制疏散\n\n如果政府主管机关因本保单承保的损失或合理的损失威胁，直接强制您撤离住宅，我们将补偿您为维持家庭正常生活水平所必需的合理增加的生活费用，最长不超过三十（30）日。如果您的住宅出租给他人，我们还赔付最长三十（30）日的公平租赁价值损失。\n\n5. 景观绿化\n\n我们将赔付发生承保损失的住宅处房屋保障限额的 5%，或者，如无房屋保障，则赔付该住宅内财产保障限额的 5%，但对任何一棵树、灌木或植物的赔付不超过 \\$5,000。景观绿化不包括林业或灌木丛。\n\n我们仅赔付由下列原因造成的损失：\n\na. 飞行器；\n\nb. 火灾、闪电或爆炸；\n\nc. 骚乱或民众骚乱；\n\nd. 并非由居住在该住宅的人拥有或操作的车辆；或\n\ne. 盗窃、盗窃未遂、故意毁坏或恶意破坏。\n\n本附加保障仅在您于损失发生之日起 180 日内修复或更换受损景观绿化时适用。\n\n6. 土地\n\n如您的房屋或其他永久性建筑物发生承保损失，我们将赔付对您的房屋或其他永久性建筑物下方或周围土地进行必要稳定、挖掘或更换的费用。对于本项保障，我们将赔付不超过您的房屋或其他永久性建筑物承保损失金额的 10%。\n\n7. 建筑材料\n\n除非另有说明或适用除外责任，对于声明页（Declarations Page）所示各地点由您拥有、用于维修、改造或建造您的住宅的材料和物资，我们提供保障。该等赔付款项不增加您的保障金额。\n\n8. 预防性维修\n\n在发生本保单承保的损失后，我们将赔付您为防止住宅遭受进一步损失而进行必要维修所产生的合理费用。该等赔付款项不增加您的保障金额。\n\n9. 残骸清除\n\n我们将赔付清除承保损失的残骸及造成该承保损失之财产的合理费用。如因风暴、冰雹、冰雪或冻雨的重量导致树木倒下，且承保财产未受损，我们还将为清除住宅处的树木赔付总额最高 \\$ 1000。\n\n10. 锁具更换\n\n如声明页所列住宅的钥匙遗失或被盗，我们将赔付更换该住宅锁具的费用。您的免赔额不适用于本项保障。\n\n11. 按法规重建\n\n我们将赔付为遵守任何规范受承保损失损坏财产之修理、重建或拆除的法律或条例而产生的额外费用。\n\n12. 矿井沉降\n\n我们承保因人造地下矿井或与矿井有关的挖掘作业发生水平或垂直移动而直接造成您的房屋及其他永久性建筑物的损失。\n\n13. 为保管而移走财产\n\n我们将赔付因财产而从住宅搬运和储存财产所产生的任何合理费用。\n\n14. 数据替换\n\n对于因承保损失而替换存储于您拥有或租赁的个人电脑或便携式计算设备中的遗失个人数据所产生的费用，我们将向您补偿最高 \\$5,000。\n\n15. 商业财产\n\n对于您拥有或租赁的商业财产发生的承保损失，我们将赔付最高 \\$25,000。\n\n16. 消防部门费用\n\n当消防部门为挽救或保护声明页所列住宅而出警时，我们将赔付法律规定或以书面协议承担的费用。您的免赔额不适用于本项保障。\n\n17. 下水道和排水管倒灌\n\n对于因下列原因造成的财产实际损失或损坏，我们将赔付最高至声明页所示的保障限额：\n\na. 通过住宅场地内下水道或排水管倒灌的水。下水道或排水管是指以机械方式连接至住宅管道系统、雨水槽或落水管的管道，或位于住宅场地内、用于将水和废物排离住宅的其他排水管。倒灌并非由于下水道或排水管无法容纳试图进入该下水道或排水管的雨水、地表水或地下水的水量所致。\n\nb. 如集水泵发生机械故障，导致水从集水泵坑溢出。本附加保障旨在承保因集水泵机械故障而从集水泵坑溢出的水所造成的损坏，但不承保地表水或地下水在进入集水泵坑前造成的损坏。本保障不适用于因机械故障造成的集水泵或相关设备的直接实际损失或损坏。\n\n该等赔付款项不增加您的保障金额。\n\n18. 家政人员和访客的财产\n\n我们承保您的家政人员和访客的个人财产，只要该等财产位于声明页所列任何住宅的场地内。该等赔付款项不增加您的保障金额。\n\n19. 动物造成的损失\n\n我们承保由家养动物造成的您的房屋、其他永久性建筑物及财产的损失。\n\n20. 纵火悬赏\n\n对于与本保单承保财产的火灾损失有关、导致纵火罪定罪的信息，我们将赔付最高 \\$5,000。无论提供信息的人数多少，\\$5,000 限额均为我们赔付的最高金额。本保障为附加保险。\n\n21. 食物变质\n\n我们承保因电力供应中断（无论发生于场地内或场地外），或因您居住或拥有的任何住宅内制冷设备发生机械故障，导致冰箱或冷冻柜温度变化而造成的食物变质。葡萄酒或烈酒不视为食物。该等赔付款项不增加您的保障金额。本保障适用 \\$250 免赔额。\n\n22. 后续真菌或细菌\n\n对于因承保损失而产生的真菌或细菌造成的损失，我们总计赔付最高 \\$10,000，包括：\n\na. 清除、清理、修复、控制、处理、去毒、中和真菌或细菌的费用；\n\nb. 为取得接触真菌或细菌所需通道而拆除及更换建筑物或其他承保财产任何部分的费用；\n\nc. 为确认真菌或细菌是否不存在、存在或其程度而进行的空气或财产检测或监测费用，无论该等检测或监测是在清除、修理、恢复或更换之前、期间或之后进行。仅在有理由相信存在真菌或细菌的范围内，方提供该等检测费用；以及\n\nd. 如您的住宅无法居住，为维持家庭通常生活水平而由您产生的合理增加生活费用，最高 \\$5,000。赔付将持续至将您的住宅恢复至可居住状态所需的最短期限。\n\n无论事故次数、投保地点数量或提出索赔的数量如何，此为我们赔付的最高金额。对于后续真菌或细菌，我们不会根据任何其他附加保障作出任何额外赔付。\n\n该等赔付款项不增加保障金额。\n\n23. 防损装置\n\n在本保单承保损失后，我们将赔付您为安装经批准的防损装置而产生的合理费用，最高 \\$2,500，以保护您的住宅在未来免遭同类损失。经批准的防损装置包括火灾报警系统、灭火系统、安全系统、集水泵、自动断水装置、防雷系统、备用电力系统及抗冰雹屋面材料。该等赔付款项不增加保障金额。\n\n本附加保障仅在损失超过该地点免赔额时适用。\n\nD. 除外责任\n\n下列除外责任适用于您保单的第二部分——财产：\n\n1. 污染或污染物\n\n对于因污染物的排放、扩散、渗漏、迁移、释放或逸出所造成的任何损失，无论直接或间接，亦无论任何原因或事件是否同时或以任何顺序促成该损失，我们均不提供保障。我们也不承保从土地或水中提取污染物的费用，或清除、恢复或更换受污染土地或水的费用。“污染物”是指任何固体、液体、气体或热性刺激物或污染物，包括烟、蒸汽、煤烟、烟气、酸、碱、化学品和“废物”。“污染物质”是指因与外来物质混合或接触而产生的杂质。“废物”包括拟处置、回收、翻新或再利用的材料。\n\n2. 渐进性或突发性损失\n\n我们不承保因逐渐恶化、湿腐或干腐、翘曲、烟雾、锈蚀或其他腐蚀造成的任何损失。此外，我们不承保因固有缺陷、磨损、机械故障或潜在缺陷造成的任何损失。但是，除非适用其他除外责任，我们承保后续承保损失。\n\n3. 真菌或细菌\n\n我们不承保因真菌或细菌的存在、生长、繁殖、扩散或任何活动所造成的任何损失，包括检测、监测、清理、移除、修复、控制、处理、去毒、中和真菌或细菌，或以任何方式应对或评估真菌或细菌影响的费用。\n\n本除外责任不适用于：\n\n－a．根据第 II 部分——财产项下“附加保障：后续真菌或细菌损失”提供的保障；或\n\n－b．除非适用另一项除外责任，否则后续发生的承保损失。\n\n4．啮齿动物、昆虫、鸟类或害兽造成的损失\n\n我们不承保由啮齿动物、昆虫、鸟类或害兽造成的任何损失，但作为建筑物、风暴门或窗户组成部分的玻璃损失除外。然而，除非适用另一项除外责任，我们承保后续发生的承保损失。\n\n5．结构移动\n\n我们不承保由地基、地板、墙壁、庭院、路面、天花板或屋顶的隆起、膨胀、收缩或沉降（包括因此产生的开裂）造成的任何损失。然而，除非适用另一项除外责任，我们承保后续发生的承保损失。\n\n6．地表水和地下水损害\n\n我们不承保由下列原因造成的任何损失：\n\n－a．洪水、地表水、波浪、潮水、水体溢流，或上述任何一种产生的水雾，无论是否由风驱动；或\n\n－b．地表以下的水，包括对建筑物、人行道、车道、地基、游泳池或其他构筑物施加压力，或渗入或漏入其中的水。\n\n本除外责任不适用于：\n\n－a．位于您不拥有或不居住的任何住宅或地点以外的财物；或\n\n－b．除非适用另一项除外责任，否则后续发生的承保损失。\n\n7．对某些其他固定构筑物的水或冰损害\n\n我们不承保由冰冻、融化或水或冰的压力或重量造成的对某些其他固定构筑物的损失，无论是否由风驱动。然而，除非适用另一项除外责任，我们承保后续发生的承保损失。本除外责任适用的其他固定构筑物包括游泳池、围栏、网球场、热水浴池、庭院、路面、地基、化粪系统、挡土墙、码头、船坞、栈桥、桥梁或防波堤。\n\n8．有缺陷、不充分或瑕疵的规划\n\n我们不承保由下列有缺陷、不充分或瑕疵事项造成的任何损失：\n\n－a．规划、分区、开发、测量、选址；\n\n－b．设计、规格、工艺、修理、施工、翻新、改造、整地、压实；\n\n－c．用于修理、施工、翻新或改造的材料；或\n\n－d．维护；\n\n无论涉及住宅内或住宅外任何财产的部分或全部。\n\n然而，除非适用另一项除外责任，我们承保后续发生的承保损失。\n\n9．地震\n\n我们不承保由地震造成的对您房屋或其他固定构筑物的任何损失。然而，除非适用另一项除外责任，我们承保因盗窃、火灾、玻璃破损或爆炸导致的后续承保损失。\n\n10．地面移动\n\n我们不承保由地面移动（包括火山喷发、山体滑坡、泥石流以及土地沉降、隆起或位移）造成的对您房屋或其他固定构筑物的任何损失。除非适用另一项除外责任，我们承保因盗窃、火灾、玻璃破损或爆炸导致的后续承保损失。\n\n11．营业财产\n\n我们不承保对营业财产的任何损失。本除外责任不适用于第 II 部分——财产项下“附加保障：营业财产”提供的保障。\n\n12．机动陆地车辆\n\n我们不承保对机动陆地车辆（包括其设备和附件）的任何损失，也不承保任何专门设计为仅由该车辆电气系统供电操作的电子设备。然而，我们承保无需办理机动车登记且符合下列条件的车辆：\n\n－a．用于服务您拥有或居住的任何住宅；\n\n－b．旨在辅助残障人士；或\n\n－c．设计用于在公共道路以外进行娱乐活动。\n\n13．翻新和修理\n\n我们不承保因翻新、整修或修理任何种类财物造成的损失。本除外责任不适用于珠宝、手表和毛皮。\n\n14．船舶事故\n\n我们不承保由船舶或其拖车或舷外发动机搁浅、进水或沉没造成的任何损失。\n\n我们亦不承保由船舶碰撞造成的任何损失，但与陆地车辆发生碰撞的情形除外，除非适用另一项除外责任。\n\n15．租户财产\n\n我们不承保对房客、膳宿客或其他租户财产的任何损失。\n\n16．温度或湿度\n\n我们不承保由极端温度、大气潮湿或干燥，或水蒸气对您房屋、其他固定构筑物或财物造成的任何损失。\n\n本除外责任不适用于：\n\n－a．由雨、雨夹雪、雪或冰雹直接造成的损失；或\n\n－b．第 II 部分——财产项下“附加保障：食品变质”提供的保障。\n\n17．航空器\n\n我们不承保对航空器或航空器部件的任何损失。\n\n18．没收\n\n我们不承保由任何政府或公共机构实施的毁坏、没收或扣押造成的任何损失。\n\n19．战争行为\n\n我们不承保由任何形式的战争行为造成的对财产的任何直接损失或后续损失。战争包括未宣战战争、内战、暴动、叛乱、革命、军事力量或军事人员实施的战争行为、为军事目的进行的毁坏、扣押或使用，以及上述任何行为造成的任何后果。核武器的发射即使属意外，也应视为战争行为。\n\n20．对鱼类、鸟类或动物的损失\n\n我们不承保对鱼类、鸟类或动物的任何损失。\n\n21．故意行为\n\n我们不承保由任何行为造成的任何损失，该行为的后果本可由理性人预见，且该行为系：\n\n－a．由您、您的配偶或家庭成员实施，或依其指示实施；并且\n\n－b．意图造成损失或损害。\n\n22．不诚实行为\n\n我们不承保由您或任何家庭成员实施或依其指示实施的任何不诚实或犯罪行为造成的任何损失。\n\n23．核危险\n\n我们不承保由“核危险”直接或间接造成的任何损失。核危险是指任何核反应、辐射或放射性污染，无论受控或失控，或无论因何种原因造成，及其任何后果。然而，除非适用另一项除外责任，我们承保因核危险引起火灾所导致的后续承保损失。\n\n24．下水道或排水管倒灌\n\n我们不承保因下水道或排水管倒灌或溢流造成的任何损失，包括促成任何事件的任何损失。本除外责任不适用于第 II 部分——财产项下“附加保障：下水道和排水管倒灌”提供的保障。\n\n25．受另一份保单保障的财物\n\n我们不承保对下列财物的任何损失：\n\n该等财物已由非我们或我们的关联公司签发的私人收藏品保险单、贵重物品保险单或类似保单承保。\n\n26．未投保的自有地点\n\n我们不承保由风直接或间接造成的、位于您拥有的房屋、公寓或合作住宅内的财物损失；如该房屋、公寓或合作住宅未在本保单或我们或我们的关联公司签发的任何其他保单之声明页中列明财物保障。\n\n在您开始将财物搬入新取得地点后的六十（60）日内，该地点内的财物不受本除外责任限制。\n\n第 III 部分——责任\n\nA．保险协议\n\n除非另有规定或适用除外责任，我们将赔付被保险人依法有义务支付的、因本保单在世界任何地点承保的事故造成的人身伤害或财产损失的损害赔偿金。\n\nB．损失赔付\n\n对于因任何一次事故导致的人身伤害和财产损失的所有索赔，我们最多赔付本保单声明页所示的责任保障限额。本保险分别适用于每一名被提出索赔或被提起诉讼的被保险人，但无论被保险人人数、提出的索赔数或受伤人数为何，对于任何单次事故，我们支付的金额不超过声明页所示限额。在保单期间内可提出索赔的事故次数不受限制。\n\n根据第 C 条“抗辩保障和索赔费用”作出的付款，和解付款除外，系在声明页所示保单责任保障限额之外另行支付。\n\nC．抗辩保障和索赔费用\n\n我们将支付为被保险人就任何寻求赔偿承保人身伤害或财产损失的诉讼进行抗辩的费用，即使该诉讼系虚假、欺诈或毫无根据。您可以从我们选定的律所名单中选择律师。如提起诉讼的司法管辖区未设立名单律师，我们保留选择律师的权利。\n\n我们可自行决定调查并和解任何索赔或诉讼。\n\n此外，我们将支付：\n\n1．判决中判令任何被保险人承担的所有法院费用和支出；\n\n2．被保险人应我们要求为协助我们调查或抗辩索赔或诉讼而产生的合理费用，累计最高不超过 \\$10,000；\n\n3．因承保损失而要求被保险人提供的保释保证金费用；\n\n4．我们所抗辩诉讼中要求提供的保证金的所有保费，但不包括超过保障金额的保证金金额（我们无需申请或提供任何保证金）；\n\n5．我们产生的所有费用；\n\n6．自判决作出后至我们支付、提出支付或向法院缴存不超过保障金额的判决部分之前，就全部判决金额产生的利息；以及\n\n7．判令被保险人就我们支付或提出支付的判决部分承担的所有判决前利息。对于我们提出支付保障金额之后的期间，我们不支付任何基于该期间计算的判决前利息。\n\n在因法律或其他原因而被禁止为被保险人就承保损失进行抗辩的司法管辖区，我们将支付经我们事先书面同意而为该被保险人抗辩所产生的任何费用。\n\n我们对因单次事故引起的任何索赔或诉讼承担的抗辩义务，在我们就该事故已支付的损害赔偿金额等于本保单声明页所示责任保障限额时终止。\n\nD．附加保障\n\n1．受损财产\n\n如被保险人毁坏或损坏他人财产，我们将就该财产支付重置费用，每次事故最高 \\$10,000。\n\n2．信用卡、伪造和伪钞\n\n对于下列事项，我们累计最高支付 \\$10,000：\n\na．被保险人因下列原因依法有义务支付的任何金额：\n\ni．以您或家庭成员名义签发的银行卡或信用卡被盗或遗失；或\n\nii．因伪造或变造任何支票或可转让票据造成的损失。\n\n除非遵守使用该卡、支票或可转让票据的所有条款，否则该损失不予承保。\n\nb．因善意接受任何伪造纸币造成的损失。\n\n我们可自行选择为您或家庭成员因伪造或伪钞而遭受的索赔或诉讼进行抗辩。我们将为您或家庭成员因银行卡或信用卡遗失或被盗而遭受的索赔或诉讼进行抗辩。\n\n3．向他人支付医疗费用\n\n无论责任归属如何，我们将就自造成人身伤害的事故之日起三（3）年内发生或经医学确认的必要医疗费用，为每人累计最高支付 \\$10,000。本保障不适用于您或家庭成员，且仅适用于符合下列条件的事故：\n\na．该事故发生于声明页中列有责任保障的住宅内，且该人员经您或家庭成员许可在场；\n\nb．该事故因声明页中列有责任保障的住宅内的状况，或紧邻该住宅的台阶、车道或人行道上的状况而发生；\n\nc．该事故由被保险人拥有或照料的动物造成；或\n\nd．该事故由被保险人或住宅雇员在受被保险人雇佣期间造成。\n\n4．有限住宅场所营业责任\n\n对于因任何被保险人在声明页所示住所依法从事商业或专业活动，而由该住所的物理状况引起的人身伤害或财产损失，我们提供保障。对于任何承保损失，我们最高支付金额为声明页所示的责任保险保障限额。保险保障须遵守下列规定：\n\na. 您在住所从事商业活动的任何雇员均不受工伤赔偿或其他类似伤残法律的约束；\n\nb. 您不是家庭日间照护服务提供者；且\n\nc. 不存在其他有效且可收取的保险。\n\nE. 除外责任\n\n本保单不为下列事项的责任、抗辩费用或任何其他成本或费用提供保险保障：\n\n1. 机动车辆\n\n因任何机动车辆的所有权、维护、使用、装载或卸载而引起的人身伤害或财产损失。本除外责任不适用于休闲机动车辆，但用于参加竞争性赛车或为竞争性赛车进行练习时除外。\n\n2. 航空器\n\n因任何航空器的所有权、维护、使用、装载、卸载或牵引而引起的人身伤害或财产损失。\n\n3. 船舶\n\n因任何船舶的所有权、维护、使用、操作、装载或卸载而引起的人身伤害或财产损失：\n\na. 长度为二十六（26）英尺或以上，或马力为五十（50）或以上，并由被保险人所有，或向被保险人提供或出租超过三十（30）日的船舶；\n\nb. 用于任何商业或营利目的；或\n\nc. 用于参加竞争性赛车或为竞争性赛车进行练习（长度不足二十六（26）英尺的帆船除外）。\n\n4. 工伤赔偿或伤残\n\n被保险人依据任何工伤赔偿、伤残福利、《琼斯法案》或《一般海事法》、失业赔偿、职业病或类似法律而依法有义务提供的任何损害赔偿或福利。但是，对于声明页所列地点的住户雇员所遭受的人身伤害，如该等伤害不属于工伤赔偿范围，且不存在其他适用的除外责任，我们确实就被保险人依法有义务支付的损害赔偿提供超过任何其他保险的超额保险保障。\n\n5. 董事的错误或遗漏\n\n因任何被保险人作为任何公司或组织的高级职员或董事会成员所作出的行为、错误或遗漏而引起的人身伤害或财产损失。本除外责任不适用于因被保险人为非营利公司或组织，或为公寓或合作社协会所采取的行为而引起的人身伤害或财产损失，除非适用其他除外责任。\n\n6. 照管、保管或控制\n\n对于由被保险人所有、出租给被保险人、由被保险人占用或使用，或处于被保险人照管、保管或控制之下的财产所造成的财产损失，在被保险人依合同须提供保险的范围内，不提供保障。本除外责任不适用于由火灾、烟雾或爆炸造成的财产损失。\n\n7. 被保险人\n\n本保单项下对被保险人的人身伤害。\n\n8. 歧视\n\n因基于年龄、种族、国籍、肤色、性别、信仰、残疾身份、性取向或任何其他歧视而实际发生、被指称或被威胁的歧视或骚扰所引起的人身伤害。\n\n9. 性骚扰或体罚\n\n因任何人实际实施、被指称实施或被威胁实施下列行为而引起的人身伤害：\n\na. 性骚扰、不当行为或骚扰；\n\nb. 体罚；或\n\nc. 性虐待、身体虐待或精神虐待。\n\n10. 传染疾病\n\n因被保险人故意或非故意向任何人传播的任何疾病、病症或疾患而直接或间接造成的人身伤害。对于任何暴露威胁或由该疾病、病症或疾患导致的任何后果所造成的任何损害赔偿，我们不提供保障。\n\n11. 商业活动\n\n因被保险人的商业财产或商业活动、投资活动，或旨在为被保险人或他人实现利润的任何活动而引起的人身伤害或财产损失。但是，本除外责任不适用于：\n\na. 为有组织的慈善、宗教或社区团体进行的志愿工作；\n\nb. 附带商业活动；或\n\nc. 有限住所场所商业责任保险保障。\n\n12. 专业服务\n\n因任何被保险人履行或未履行其依法负责或获准提供的专业服务而引起的人身伤害或财产损失。\n\n13. 战争\n\n由战争直接或间接造成的人身伤害或财产损失，包括下列情形及其任何后果：\n\na. 未宣战的战争、内战、暴动、叛乱或革命；\n\nb. 军事力量或军事人员实施的战争行为；或\n\nc. 为军事目的而毁坏、扣押或使用财产。\n\n即使为意外发射，核武器的发射亦视为战争行为。\n\n14. 分摊费用\n\n以协会、公司或财产所有人社区成员身份向被保险人收取的任何分摊费用。\n\n15. 合同责任\n\n因书面或非书面合同或协议而引起的人身伤害或财产损失：\n\na. 与任何被保险人的商业活动有关而订立的；或\n\nb. 在承保损失发生后承担他人责任的。\n\n16. 核危险\n\n由核反应、辐射或放射性污染直接或间接造成的人身伤害或财产损失。\n\n17. 故意行为\n\n因任何人的任何犯罪、故意、有意或恶意作为或不作为而造成的人身伤害或财产损失。对于任何人意图造成财产损失或人身伤害，或理性人预期会造成财产损失或人身伤害的作为或不作为所提出的索赔，我们也不提供保障。即使该伤害或损失的种类或程度不同于预期或意图造成的伤害或损失，或由不同人员承受，本除外责任仍适用。如被保险人为保护任何人或财产而使用合理武力，本除外责任不适用于人身伤害。\n\n18. 非法解雇\n\n因非法终止雇佣关系而引起的人身伤害。\n\n19. 受管制物质\n\n因使用、销售、制造、交付、转让或持有《联邦食品和药品法》21 U.S.C.A. Sections 811 and 812所定义的受管制物质而引起的人身伤害或财产损失。本除外责任不适用于任何人遵照持照医师指示而合法使用处方药物。\n\n第四部分——条件\n\nA. 您的义务\n\n1. 您有义务将入住情况的变更通知您的代理人或经纪人。\n\n2. 您有义务在任何翻修或施工工作开始时，以及在整个工作期间，通知您的代理人或经纪人，以维持适当的保险保障金额，并确认已按我方确定的要求采取适当的防护措施。\n\nB. 损失发生后的您的义务\n\n如发生可能涉及本保单的事件，或者如您或本保单项下任何其他被保险人因可能受本保单保障的事件而被起诉，您或被保险人必须：\n\n1. 及时通知我方或您的代理人或经纪人。\n\n2. 如因盗窃发生损失，通知警方。\n\n3. 如发生信用卡或资金转账卡保险保障项下的损失，通知信用卡或资金转账卡公司。\n\n4. 保护财产免受进一步损害。如需要维修财产，您必须：\n\nb. 准确保存所有维修费用的记录。\n\n5. 向我方提供账单、收据及相关文件。\n\n6. 在我方合理要求的频率下：\n\na. 出示受损财产；\n\nb. 向我方提供我们要求的记录和文件；以及\n\nc. 分别接受宣誓询问。\n\n7. 在我方提出要求后六十（60）日内，向我方提交经您签署的损失宣誓证明，其中应尽您所知载明：\n\na. 损失发生的时间和原因；\n\nb. 其他所有人对该财产享有的权益；\n\nc. 可能承保该损失的其他保险；以及\n\nd. 您主张作为损失的金额。\n\n8. 向我方提供任何已知受伤人员及任何可获得证人的姓名和地址。\n\n9. 向我方提供任何诉讼文件及其他有助于我方为任何被保险人进行抗辩的文件。\n\n10. 通过协助我方履行下列事项，协助并配合我方进行抗辩：\n\na. 达成和解；\n\nb. 对可能向被保险人承担责任的任何个人或组织行使任何分担或赔偿权利；\n\nc. 出席听证会和审判；以及\n\nd. 获取并提供证据，以及取得证人出庭。\n\nC. 保单期间和地域\n\n保单期间载明于声明页。除非本保单另有规定限制，本保单适用于在世界任何地点发生的事件。\n\nD. 追偿\n\n如被保险人有权追回我方根据本保单已支付款项的全部或部分，该等权利即转移给我方。损失发生后，被保险人不得实施任何损害该等追偿权利的行为。应我方要求，被保险人将提起诉讼或将该等权利转让给我方，并协助我方行使该等权利。\n\nE. 转让\n\n未经我方书面同意，任何受本保单保障的人不得转让或移交与本保单有关的任何权利或权益。\n\nF. 变更\n\n除非通过由我方法定代表人签署的书面批单作出，否则对本保单的任何变更或修改均不生效。\n\nG. 隐瞒或欺诈\n\n如在损失发生前或发生后，您或被保险人有下列行为，则整个保单无效：\n\n1. 故意隐瞒或虚报任何重大事实或情况；\n\n2. 从事欺诈行为；或\n\n3. 作出虚假陈述；\n\n且该等行为与本保险有关。\n\nH. 合理注意\n\n如住宅空置、无人居住或正在施工，您必须采取合理注意措施以维持住宅供暖，或关闭并排空供水系统或设备。如未采取合理注意措施，对于因水在管道、供暖或空调系统或家用设备中冻结而造成的任何损失，我们不提供保障。\n\nI. 遵守法规\n\n本保单的任何条款如与州或地方法律相冲突，均修改为符合该法律。\n\nJ. 扩大保障\n\n如我方在不收取额外保费的情况下扩大您的保单所提供的保险保障，该等变更自该等变更在您所在州获采纳的生效日期起，自动适用于您的保单。\n\nK. 破产或死亡\n\n被保险人的破产或无力偿债不解除我方的任何义务。此外，如被保险人在保单期间内死亡、破产或无力偿债，除非本保单被取消，本保单将在保单期间的剩余期限内为被保险人的法定代表人提供保障。\n\nL. 对我方提起法律行动\n\n除非被保险人已遵守本保单的条款，且就责任保险保障而言，除非最终判决或协议已确定被保险人对我方的法定义务金额，否则不得对我方提起任何诉讼。\n\n您还同意在损失发生后一（1）年内对我方提起任何诉讼，但不得早于损失证明提交后三十（30）日，且损失金额已确定之后。\n\n就责任保险保障而言，任何人均无权在针对任何其他被保险人的任何诉讼中将我方列为共同被告。\n\nM. 评估\n\n如您与我方未能就损失金额达成一致，任一方均可书面要求双方各自选任一名独立评估师。在此情况下，双方必须在二十（20）日内相互通知其选任情况。独立评估师将在十五（15）日内选定一名仲裁员。如未能在该期限内就仲裁员人选达成一致，任一方可请求由法官选定仲裁员。独立评估师随后将对损失进行评估，并将任何分歧提交仲裁员。一份经两名评估师，或经任一评估师与仲裁员书面同意的决定，具有约束力。各评估师的费用由选任该评估师的一方支付。您与我方将平均分担仲裁员的费用。\n\nN. 其他保险\n\n如本保单承保的损失亦由其他保险承保，我方仅支付本保单项下适用的责任限额与承保该损失的保险总额之比所对应的损失部分。\n\nO. 抵押权条款\n\n“抵押权人”一词包括受托人。如本保单列明抵押权人，任何承保损失将按照各自权益支付给您和抵押权人。如本保单列明不止一名抵押权人，付款顺序将与优先顺位相同。\n\n如您的索赔被拒绝，该拒绝不适用于抵押权人提出的有效索赔，但前提是其：\n\n（1）将其知悉的所有权变更或风险重大变更通知我方；\n\n（2）如您未支付保费，则支付本保单应付的任何保费，或应我方要求支付保费；以及\n\n（3）在收到我方关于您未能如此办理的通知后六十（60）日内，提交经宣誓的损失证明书。\n\n如我方取消或不续保您的保单，将在取消或不续保生效前至少十（10）日，以书面形式通知抵押权人。\n\n如我方拒绝向您付款但向抵押权人付款：\n\n（1）我方代位取得抵押权人根据该财产抵押所享有的全部权利；或\n\n（2）由我方选择，我方可向抵押权人支付抵押贷款的全部本金及任何应计利息。在此情况下，我方将获得抵押及为抵押债务提供担保的所有担保物的完整让与和转让。\n\n代位不得损害抵押权人就其索赔收回抵押项下全额款项的权利。\n\nP. 您的取消\n\n您可随时通过书面通知我方取消本保单或其任何部分，并说明取消生效的未来日期。\n\nO. 我方的取消\n\n为取消本保单，我方必须书面通知您。该通知将邮寄至声明页所列的您最后一个邮寄地址，我方将取得美国邮政局的邮寄证明。该通知将包括取消生效日期及取消理由。通知还应说明，任何超额保费如未退还，应要求予以退还。如由您或我方取消保单，我方将在取消生效日或其后尽快退还任何未赚保费。未赚保费将按保单未届满期限按比例计算。\n\n我方可在符合下列条件的情况下取消本保单：\n\n1. 未支付保费\n\n如您未在保费到期日支付保费，无论该保费应付给我方、我方代理人，还是根据任何融资或信贷计划应付，我方均可提前（十）10日通知取消本保单。\n\n2. 虚假陈述\n\n如存在重大事实虚假陈述或事实遗漏，而该等情形如为我方所知，将导致我方不签发本保单，我方可提前三十（30）日通知取消本保单。\n\n3. 风险增加\n\n如发生导致承保财产风险增加的重大风险增加、或对承保财产作出变更的事件或情形，我方可提前三十（30）日通知取消本保单。\n\n4. 被判犯罪\n\n如您因实施增加所承保风险的行为而被判犯有罪行，我方可提前三十（30）日通知取消本保单。\n\nR. 不续保\n\n如我方选择不续保本保单，我方应在声明页所载保单期间届满前不少于三十（30）日，将书面不续保通知邮寄至我方所知的您的最后地址。\n\n无论如何，如您未在到期时履行与支付本保单续保保费有关的任何义务，或如您已通知我方或我方代理人您不希望续保本保单，本保单将在声明页所载保单期间届满时终止。\n\n上述通知的邮寄证明应构成通知的充分证明。\n\n经许可包含 Insurance Services Office, Inc.（保险服务办公室公司）的受版权保护材料。\n\n为此，我方已促使本保单签署并见证；如州法律要求，除非经我方授权代表会签，本保单无效。\n\nAIG Property Casualty Company（AIG 财产保险公司）\n\n秘书 总裁\n\n经许可包含 Insurance Services Office, Inc.（保险服务办公室公司）的受版权保护材料。\n\n案件 22-50073 文件 1787-9 提交日期 05/12/23 登记日期 05/12/23 16:37:59 第 40 页，共\n\n~\n\n纽约州房主修正批单\n\n就本批单提供的保险保障而言，除非本批单作出变更，保单的所有规定和条件均适用。\n\n第二部分——财产，附加保险保障，“后续真菌或细菌”予以删除，并以下列内容替代：\n真菌或细菌修复费用\n\n对于因承保损失导致存在真菌或细菌而产生的下列费用，我方将最高支付 $25,000，包括：\n\n（a）修复、控制、处理、除毒或中和真菌或细菌的费用；\n\n（b）为确认真菌或细菌不存在、存在或其程度而对空气或财产进行测试或监测的费用，无论该等测试或监测是在清除、修理、修复或更换之前、期间或之后进行。仅在有理由认为存在真菌或细菌的范围内，才提供该等测试费用；\n\n（c）清除含有真菌或细菌的承保财产残骸的费用，超出清除因承保损失遭受物理损坏的承保财产残骸所需的费用；\n\n（d）修理或更换含有真菌或细菌的承保财产的费用，超出修理或更换因承保损失遭受物理损坏的承保财产所需的费用；以及\n\n（e）如因真菌或细菌修复导致您的住所不适宜居住，为维持您家庭通常生活水平而由您产生的合理额外生活费用，最高支付 $5,000。付款将在使您的住所恢复至适宜居住状态所需的最短期间内持续支付。\n\n本真菌或细菌修复费用限额不适用于因火灾或雷击造成的承保损失所致的真菌或细菌。因此，对于因火灾或雷击造成的承保损失，上述属于真菌或细菌修复费用的增加费用，作为该等承保损失的一部分予以承保，最高不超过您的房屋、其他永久性建筑物的保险金额，或者，如本保单提供财物保险保障，则最高不超过财物保险金额。\n\n可通过支付额外保费获得更高的可选限额。\n\n该等付款不增加保险保障金额。\n\n第二部分——财产，除外责任，“真菌或细菌”予以删除，并以下列内容替代：\n真菌或细菌\n\n我方不承保因真菌或细菌的存在、生长、繁殖、扩散或任何活动所造成的任何损失，包括为检测、监测、清理、搬移、修复、控制、处理、除毒、中和或以任何方式应对真菌或细菌，或评估真菌或细菌影响的费用。\n\n本除外责任不适用于：\n\n（a）第二部分——财产，附加保险保障，真菌或细菌修复费用项下提供的保险保障；或\n\n（b）火灾或雷击导致的真菌或细菌，除非适用另一项除外责任；或\n\n（c）后续承保损失，除非适用另一项除外责任。\n\n第三部分——责任保险，抗辩保险保障及索赔费用，最后一段予以删除。\n\n第三部分——责任保险，除外责任，“工人赔偿或伤残”予以删除，并以下列内容替代：\n工人赔偿或伤残\n\n被保险人依法有义务根据任何工人赔偿、伤残福利、《琼斯法案》、一般海商法、失业补偿、职业病或类似法律提供的任何损害赔偿或福利。\n\n第三部分——责任保险，除外责任，“故意行为”修正如下：\n\n“即使伤害或损害的种类或程度与预期或意图不同，或者由与预期或意图不同的人遭受，该除外责任仍适用。”一句予以删除。\n\n第四部分——条件，“隐瞒或欺诈”予以删除，并以下列内容替代：\n\n隐瞒或欺诈\n\n对于在损失发生前或发生后实施下列行为的被保险人，我方不提供保险保障：\n\n（1）故意隐瞒或虚假陈述任何重大事实或情形；或\n\n（2）从事欺诈行为；\n\n且该等行为与本保险有关。\n\n第四部分——条件，“针对我方的法律诉讼”予以删除，并以下列内容替代：\n针对我方的法律诉讼\n\n除非被保险人已遵守本保单规定，且在最终判决书或协议确定被保险人对我方所负法律义务的金额之前，不得对我方提起任何诉讼。您还同意在损失发生后两（2）年内对我方提起任何诉讼，但不得早于提交损失证明书并确定损失金额后三十（30）日。任何人均无权在针对任何被保险人的任何诉讼中将我方列为共同被告。\n\n第四部分——条件，“我方的取消”予以删除，并以下列内容替代：\n我方的取消\n\n我方仅可基于本条件所列理由取消整份保单。取消通知将邮寄至声明页所示您的地址。邮寄证明应构成通知的充分证明。\n\n（1）如您未支付保费，我方可随时通过向您邮寄至少提前十五（15）日的取消通知，取消整份保单。取消通知应载明应付保费金额。\n\n（2）如本保单生效未满六十（60）日，且并非在我方续保，我方可基于任何理由，在取消日期前至少30日通知您，以取消整份保单。\n\n（3）如本保单已生效六十（60）日或以上，或者如其为在我方续保则在任何时候，我方仅可基于下列一项或多项理由，在拟议取消日期前至少三十（30）日通知被保险人，以取消整份保单：\n\n（a）因增加所承保风险的行为而被判犯罪；\n\n（b）发现取得保单时或提出其项下索赔时存在欺诈或重大虚假陈述；\n\n（c）发现增加所承保风险的故意或鲁莽行为或不作为；\n\n（d）保单签发后或上一个年度周年日后发生的被保险财产物理变更，导致该财产根据保单签发时或上次自愿续保时有效的我方客观、统一适用的核保标准变得不可承保；或\n\n（e）保险监督官认定继续维持该保单将违反或将使我方违反《纽约保险法》。\n\n如本第3款所列理由之一存在，我方可取消整份保单。\n\n4. 如我们有权取消本保单，我们可不取消本保单，而是修改责任限额或减少法律未要求的保障范围。如我们采取该行动，我们将在该等变更日期至少二十（20）日前以邮寄方式通知您。\n\n我们向被保险人按声明页所示邮寄地址或转寄地址交付该书面通知，应等同于邮寄。\n\n第四部分——条件，“不续保”予以删除，并由下列内容替代：\n不续保\n\n除纽约州法律允许的情形外，我们不会拒绝续保或对本保单的续保附加条件。该等条件可包括但不限于修改责任限额或减少法律未要求的保障范围。如我们选择不续保本保单，我们应于声明页所载保险期间届满前不少于四十五（45）日但不超过六十（60）日，向您在我们所知的最后地址邮寄书面不续保通知。邮寄证明将构成通知的充分证明。\n\n无论如何，如您未于到期时履行与本保单续保保费支付有关的任何义务，或您已通知我们或我们的代理人您不希望续保本保单，则本保单将在声明页所载保险期间届满时取消。我们向被保险人按声明页所示邮寄地址或转寄地址交付该书面通知，应等同于邮寄。\n\n第四部分——条件，经修订后加入以下内容：\n\n保险限额用尽时职责的转移\n\n1. 如我们根据已向我们报告且本保险可能适用的事故、违法行为、索赔或诉讼，认定声明页所示责任保险限额可能将在支付判决款或和解款时用尽，我们将以书面形式通知被保险人该情况。\n2. 当上文第1款所述保险限额实际已因支付判决款或和解款而用尽时：\na. 我们将尽快以书面形式通知被保险人：\ni. 该限额实际上已用尽；以及\nii. 我们为请求受该限额约束之损害赔偿的诉讼进行抗辩的义务亦已终止。\nb. 我们将启动并配合将控制权移交给任何适当被保险人的工作，移交范围包括在该限额用尽前已向我们报告、请求受该限额约束之损害赔偿的所有索赔和诉讼。该被保险人必须配合移交对上述索赔和诉讼的控制权。\n\n如适当被保险人正配合完成该等移交，我们同意采取我们认为适当的措施，以避免该等诉讼发生缺席，或继续对该等诉讼进行抗辩，直至该等移交完成。\n\n对于任何在该保险限额用尽后向我们报告的、若该限额未用尽本应受该限额约束的损害赔偿索赔或诉讼，我们将不采取任何行动。\n\nc. 第一记名被保险人及任何参与请求受该限额约束之损害赔偿诉讼的其他被保险人，必须在适当被保险人与我们商定的期限内安排对该诉讼进行抗辩。如无任何该等约定，必须尽快作出对该诉讼进行抗辩的安排。\n3. 第一记名被保险人应偿还我们为依照上文第2.b款采取我们认为适当的措施所发生的费用。\n\n第一记名被保险人偿还我们的义务开始于：\n\na. 如我们依照上文第1款发出通知，则为适用保险限额用尽之日；或\nb. 如我们未依照上文第1款发出通知，则为我们依照上文第2.a款发出通知之日。\n4. 任何保险限额因支付判决款或和解款而用尽，以及由此导致我们的抗辩义务终止，不受我们未遵守本条件任何规定的影响。\n\n经 Insurance Services Office, Inc.（保险服务办公室公司）许可，包含其受版权保护的材料。\n重要洪水保险通知\n\n您的房主保险单不为洪水或泥石流造成的损失提供保障；根据 National Flood Insurance Program（国家洪水保险计划）的定义，洪水或泥石流部分指：\n\n通常干燥的陆地区域因内陆水或潮水溢出，或因任何来源的地表水异常且迅速积聚或径流，而发生的局部或完全淹没的一般性和临时性状态。\n\n如您的抵押贷款人要求您为您的财产投保洪水保险，或如您认为您的财产易受洪水损害，大多数参与社区的建筑物及其内容物均可通过国家洪水保险计划获得承保洪水损害的保险。\n\n有关洪水保险及您的社区是否参与该计划的信息，可向您的保险公司、保险代理人获取，或致电 1-800-638-6620 直接向国家洪水保险计划获取。\n\n6072-03-00-0001 187-0023-0033970\n\n6072-03-00-0001187-0023-0033970\n\n~\n\n附加权益\n\n就本批单提供的保障而言，除非本批单对保单的条款和条件作出变更，否则保单的所有条款和条件均适用。\n\n除声明页或本保单其他部分所列抵押权人外，下列个人或组织亦对下述住所享有权益：\n\n地点：7 81 Fifth Avenue New York, NY 10022\n\n附加权益：\n\nA. 个人或组织名称：Giaimo Federal Building（贾亚莫联邦大楼）\n\n地址：150 Court Street 302 New Haven, CT 06510\n\n权益说明：United States Trustee Office（美国受托人办公室） 权益生效日期：2023-03-16\n\nB. 个人或组织名称：\n\n地址：\n\n权益说明： 权益生效日期：\n\n取消和不续保通知：\n\n如我们决定取消或不续保本保单，将以书面形式通知上述各方。\n\n6072-03-00-0001 487-0024-0033971 6072-03-00-0001187-0024-0033971\n大额损失免赔额豁免\n\n就本批单提供的保障而言，除非本批单对保单的条款和条件作出变更，否则保单的所有条款和条件均适用。\n\n就下列地点而言：\n\n781 Fifth Avenue 18th Floor New York, NY 10022\n\n双方同意并理解，就所收取的保费而言，第二部分——财产，B. 损失赔付项下的“免赔额”予以删除，并由下列内容替代：\n免赔额\n\n声明页所示免赔额是指您就每次事故应支付的承保损失金额。免赔额不适用于超过 $50,000 的承保损失。本免赔额豁免不适用于：\n\n1. 风、飓风、冰雹或地震的特别免赔额；或\n2. 设备故障或欺诈保障批单中所载的单独保障免赔额。\n\n~\n\n设备故障保障\n\n就本批单提供的保障而言，除非本批单对保单的条款和条件作出变更，否则保单的所有条款和条件均适用。\n\n就下列地点而言：\n\n781 Fifth Avenue 18th Floor New York, NY 10022\n\n以下附加保障加入 AIG Private Client Group（AIG 私人客户集团）房主保险单。\n协议\n\n我们将依照本保单所有适用条款提供本批单所述保险。对于因任何一次事故产生的本批单项下损失、损害或费用，我们最多支付 $100,000。本批单所提供的保障不增加第二部分“财产”项下的任何责任限额。\n定义\n\n加入下列定义：\n\n1. 事故系指突发且意外的：\na. 机械或电气故障；或\nb. 蒸汽或热水供暖系统，或空调系统的破裂、开裂、燃烧或鼓胀；\n\n并导致承保设备遭受直接物质损害。\n\n2. 承保设备\na. 承保设备系指第二部分——财产项下承保的、内容物以外的财产：\n(1) 产生、传输或使用能源的财产；或\n(2) 在正常使用期间于真空或压力下运行的财产，但不包括其内容物重量所形成的压力。\nb. 下列各项均非承保设备：\n(1) 支撑结构、柜体或隔间；\n(2) 绝缘材料；\n(3) 下水道管道、埋地容器或管道，或构成消防喷淋系统一部分的管道；\n(4) 除锅炉给水管道、锅炉冷凝水回流管道或构成制冷或空调系统一部分的水管道以外的水管道；\n(5) 除永久安装的设备外的厨房或洗衣设备，包括但不限于冰箱、洗碗机、烤箱、炉灶、洗衣机或烘干机；或\n(6) 电子娱乐或计算机设备，包括但不限于：\n(a) 包括等离子电视设备在内的电视设备；\n(b) 立体声音响设备；或\n(c) 与该等电子娱乐或计算机设备一同使用的任何电子部件。\n\n但是，承保设备包括与该等电子娱乐或计算机设备相关的永久安装布线。\n案件 22-50073 文件 1787-9 提交日期 05/12/23 登记日期 05/12/23 16:37:59 第 52 页，共 68 页\n\n3. 一次事故是指：如最初事故导致其他事故，所有事故均视为一次事故。由同一事件导致的所有事故均视为一次事故。\n财产保障\n\n1. 我们将赔付因事故导致承保设备遭受的直接物质损害。\n2. 额外生活费用\n\nC. 附加保障项下规定的额外生活费用保障，扩展适用于本批单提供的保障。我们将在本保障项下就每次事故最多支付 $20,000。即使使您的住所恢复至适宜居住状态或使您的家庭永久迁往他处所需时间超过30日，我们亦不赔付您在事故发生30日后发生的任何费用。\n除外责任\n\n加入下列除外责任：\n\n1. 对于因电涌或欠压造成或导致的损失、损害或费用，我们不在本批单项下赔付。\n2. 我们不在本批单项下承保非承保设备的任何财产。\n免赔额\n\n就本批单项下承保的损失，下列免赔额规定替代保单或声明页中任何其他免赔额规定。\n\n如发生本批单项下损失，我们仅赔付超过 $1,000 的部分损失。本保障不适用其他任何免赔额。\n\n本免赔额适用于受影响的设备，不受本保单或任何其他保单中任何其他免赔额的影响。您的房主保险免赔额将适用于任何后续损失，但将按本免赔额金额予以减少。\n条件\n\n加入下列条件：\n1. 环境、安全及效率改善\n\n如承保设备因事故需要更换，我们将支付您以较被更换设备更环保、更安全或更高效的设备进行更换所产生的额外费用。\n\n但我们支付的金额不得超过以同类同等质量设备进行更换所需费用的125%。本条件不增加任何适用限额。\n2. 损失赔付\n\n本批单项下损失按如下方式理算：\n\na. 我们就受损承保设备支付的赔款，以以下金额中最低者为准：\n\n（1）设备故障所示的保险限额；\n（2）修理受损承保设备的费用；\n（3）在同一处所更换受损承保设备的费用；或\n（4）实际为修理或更换受损承保设备所支出的必要金额。\n案件 22-50073，文书 1787-9，提交于 05/12/23，于 05/12/23 16:37:59 登记，第 53 页，共\n\nb. 除上述“环境、安全和效率改进”项下所述情形外，您应负责以种类或质量更优，或尺寸或容量不同的财产更换受损承保设备所产生的额外费用。68\nc. 如您未在事故发生之日起 24 个月内修理或更换受损承保设备，则我们仅支付以下两者中较小者：\n（1）在事故发生时进行修理所需的费用；或\n（2）事故发生时的实际现金价值。\n\n6072-03-00-000t 187-0027-0033974 6072-03-00-0001187-0027 -003397 4\n重要\n有限真菌或细菌保险保障通知——纽约\n\n请特别注意，您的住宅保险单包含一项条款，限制因真菌或细菌的存在、生长、扩散或活动所致任何损失或损害的修复保险保障。该有限保险保障适用于第二部分——财产。\n\n因真菌或细菌造成您的财产损失时可获得的财产保险金额有所减少。对于因承保危险导致的损害而引起的真菌或细菌情形，将提供最高至保单限额的完整保险保障。然而，对于含有真菌或细菌的承保财产，超出修理或更换因承保损失而实际受损的承保财产所需范围的修理或更换，保险保障限额为 $25,000。\n真菌在保单条款中已有定义，包括霉菌；\n对于空气或财产进行检测以确认不存在、存在或真菌或细菌的程度，提供保险保障。\n不承保湿腐或干腐，无论其属于近因损失还是后续损失。\n第二部分——财产\n真菌或细菌修复费用\n\n对于因承保损失导致的真菌或细菌存在而产生的下列费用，包括；我们最高支付 $25,000：\n\n1. 清除、修复、控制、处理、解毒或中和真菌或细菌的费用；\n2. 对空气或财产进行检测或监测以确认不存在、存在或真菌或细菌程度的费用，无论该等检测或监测是在清除、修理、修复或更换之前、期间或之后进行。仅在有理由相信存在真菌或细菌的范围内，才提供该等检测费用；\n3. 清除含有真菌或细菌的承保财产残骸的费用，超出清除因承保损失而实际受损的承保财产残骸所需的范围；\n4. 修理或更换含有真菌或细菌的承保财产的费用，超出修理或更换因承保损失而实际受损的承保财产所需的范围；以及\n5. 如您的住所因真菌或细菌修复而不宜居住，为维持您家庭通常生活水平而由您产生的合理增加生活费用，最高支付 $5,000。付款将在使您的住所恢复至可居住状态所必需的最短期间内持续进行。\n\n本真菌或细菌修复费用限额不适用于因火灾或雷电造成的承保损失所致的真菌或细菌。因此，对于因火灾或雷电造成的承保损失，上述属于真菌或细菌修复费用的增加成本，作为该等承保损失的一部分予以承保，最高至您房屋、其他永久性建筑物的保险金额；如本保单提供财物保险保障，则最高至财物的保险金额。\n\n可通过支付额外保费获得更高的可选限额。\n\n该等付款不会增加保险保障金额。\n\n可能提供额外的保险保障限额。\n\n真菌系指任何种类或形态的真菌，包括但不限于所有形态的霉菌或霉斑，以及由真菌产生或释放的任何真菌毒素、孢子、气味、蒸气、气体或物质，包括任何副产品。\n\n~\n\n增加真菌或细菌修复费用——纽约\n\n对于本批单所提供的保险保障，除非本批单对保单的规定和条件作出变更，否则保单的所有规定和条件均适用。\n\n就下列地点而言：\n\n781 Fifth Avenue 18th Floor New York, NY 10022\n\n双方同意并理解，第二部分——财产，“附加保险保障”中的“真菌或细菌修复费用”予以删除，并替换为以下内容：\n真菌或细菌修复费用\n\n对于因承保损失或因火灾或雷电导致的真菌或细菌存在而产生的下列费用，包括以下费用；我们最高支付 $2,819,435：\n\na. 修复、控制、处理、解毒或中和真菌或细菌的费用；\nb. 对空气或财产进行检测或监测以确认不存在、存在或真菌或细菌程度的费用，无论该等检测或监测是在清除、修理、修复或更换之前、期间或之后进行。仅在有理由相信存在真菌或细菌的范围内，才提供该等检测费用；\nc. 清除含有真菌或细菌的承保财产残骸的费用，超出清除因承保损失而实际受损的承保财产残骸所需的范围；\nd. 修理或更换含有真菌或细菌的承保财产的费用，超出修理或更换因承保损失而实际受损的承保财产所需的范围；以及\ne. 如您的住所因真菌或细菌修复而不宜居住，为维持您家庭通常生活水平而由您产生的合理增加生活费用，最高支付 $5,000。付款将在使您的住所恢复至可居住状态所必需的最短期间内持续进行。\n\n本真菌或细菌修复费用限额不适用于因火灾或雷电造成的承保损失所致的真菌或细菌。因此，对于因火灾或雷电造成的承保损失，上述属于真菌或细菌修复费用的增加成本，作为该等承保损失的一部分予以承保，最高至您房屋、其他永久性建筑物的保险金额；如本保单提供财物保险保障，则最高至财物的保险金额。\n\n该等付款不会增加保险保障金额。\n\n~\n\n6072-03-00-0001187-0029-0033976\n\n6072-03-00-0001187-0029-0033976\n\n工伤赔偿 特定住宅雇员——纽约\n\n对于本批单所提供的保险保障，除非本批单对保单的规定和条件作出变更，否则保单的所有规定和条件均适用。\n\n就下列纽约地点而言：\n\n双方同意并理解，第三部分 D. 附加保险保障已修订，以纳入以下段落：\n\n工伤赔偿和雇主责任。\n\n我们就承保住宅雇员达成如下协议：\n谁受承保\n\n本批单项下的承保住宅雇员，是指每周从事少于 40 小时的经常性雇佣的住宅雇员，或从事临时雇佣的住宅雇员。\n\n但是，如 New York Insurance Law Section 3420ij)(1 ) 所述，保险保障不适用于根据 New York Workers' Compensation Law 无须获得保险保障的雇员。附加本批单不构成根据 New York Workers' Compensation Law 自愿选择保险保障。\n工伤赔偿，保险保障 I，及雇主责任，保险保障 II\n在保险保障 I 项下\n\n支付 New York Workers' Compensation Law 要求被保险人支付的所有到期福利；以及\n在保险保障 II 项下\n\n代表被保险人支付被保险人因承保住宅雇员遭受人身伤害而依法承担责任的所有损害赔偿。该人身伤害必须由事故或疾病造成，并且是在承保住宅雇员受被保险人雇佣期间因工作而起并在工作过程中发生，同时：\n\na. 在美利坚合众国、其领地或属地，或加拿大境内；或\nb. 如承保住宅雇员为美国或加拿大公民或居民，则在其他地点临时发生。\n保险保障的适用\n\n本保险仅适用于在保单期间发生的人身伤害。如该人身伤害为疾病，则该疾病必须由承保住宅雇员受被保险人雇佣的工作条件所导致或加重。\n\n承保住宅雇员最后一次暴露于导致或加重该等疾病性人身伤害的条件之日，必须发生在保单期间内。\n保单条款\n\n本保险受本批单的所有条款以及本保单以下条款的约束：\n\n1. 第四部分“条件”项下：\nA. 损失后的您的义务。\nC. 追偿。\nD. 转让。\nE. 变更。\nJ. 破产或死亡。\nK. 对我方提起的法律诉讼。\nP. 我方取消。\n2. 我方按照第三部分“责任”C.“抗辩保险保障及索赔费用”所规定，为被保险人进行抗辩的协议。\n3. 人身伤害、营业活动和被保险人的定义。\n适用于保险保障 I 和保险保障 II 的附加条款\n\n以下定义仅就本批单提供的保险保障新增：\n住宅雇员系指：\n\na. 被保险人的雇员，或根据被保险人与劳务派遣公司之间的协议，由劳务派遣公司派遣给被保险人的雇员，其职责与住所的维护或使用有关，包括家政或家庭服务；或\nb. 在其他地点履行类似职责，但与被保险人的营业活动无关的人。\n适用于保险保障 I 的附加条款\n\n以下条款适用于保险保障 I：\n\na. 在承保住宅雇员与我方之间，被保险人收到或知悉伤害发生，应视为我方收到或知悉。\nb. 就施加赔偿责任的法律而言，被保险人的管辖地应为我方的管辖地。\n适用于保险保障 II 的附加条款\n\n保险保障 II 不适用于在美利坚合众国、其领地和属地或加拿大以外的任何法院提起的任何诉讼，或由该等法院作出的任何判决，亦不适用于基于该等判决提出的任何诉讼。\n保险保障 II 的责任限额\n\n如人身伤害因受 New York Workers' Compensation Law 约束且可获得赔偿的雇佣关系而起并在该雇佣过程中发生，我方不得限制我方因被保险人之承保住宅雇员遭受该等人身伤害而依法应支付的损害赔偿责任。\n\n其他保险\n\n如本保险承保的损失亦由其他保险承保，我方支付的福利和费用不超过我方应负份额。所有适用保险的份额应当相等，直至损失获得赔付。但是，如本保险承保的损失亦由为作为独资经营者的被保险人的营业雇员提供保险保障的保险所承保，则本保险为主保险。\n\n符合法律规定\n\n如本保险的任何条款与 New York Workers' Compensation Law 相冲突，则该条款依本声明修订，以符合该法律。\n\n除外责任\n\n本保单不适用：\n\na. 因被保险人从事商业活动而引起的身体伤害责任。\n\nb. 在保障 II 项下：\n\n1. 被保险人根据任何合同或协议承担的责任。\n\n2. 根据工伤赔偿、失业或伤残福利法律或任何类似法律承担的任何义务。\n\n3. 因违法雇用的受保住宅雇员遭受身体伤害而产生的惩罚性或示范性损害赔偿。\n\n4. 被保险人在知情的情况下违法雇用的受保住宅雇员所遭受的身体伤害。\n\n5. 被保险人故意造成或加重的身体伤害。\n\n6. 因非法解雇、胁迫受保住宅雇员，或对受保住宅雇员实施非法歧视而产生的损害赔偿。\n\n经 Insurance Services Office, Inc.（保险服务事务所公司）许可，包含其享有版权的材料。\n\n纽约信用披露通知——续保\n\n就本保险而言，我们此前曾使用信用报告，或根据信用报告中所载信息取得或使用基于信用的保险评分。我们可再次取得或使用信用信息；但在续保时，该等信息仅可用于降低保费。保险评分使用您信用报告中的信息，以帮助预测您可能提出索赔的频率以及该等索赔的成本。可能影响评分的信用报告典型项目包括但不限于：付款记录、循环账户数量、新账户数量、催收账户的存在、破产和止赎。用于制定保险评分的信息来自 TransUnion Corporation（环联公司）。\n\n6072-03-00-0001187-0032-0033979 6072-03-00-0001 187-0032-0033979\n\n被保险人批单\n\n就本批单提供的保障而言，除非本批单予以变更，保单的所有条款和条件均适用。\n\nA. 第三部分——责任，A 节“承保协议”经修订，以将下列具名个人纳入被保险人：\n\n除非另有说明或适用除外责任，对于本保单承保的事故在世界任何地方造成的人身侵害或财产损失，我们将支付被保险人依法有义务支付的损害赔偿金。\n\n被保险人：\n\n住所：\n\nB. 就本批单提供的保障而言，适用下列附加条款：\n\n如果本保单声明页所示的第一具名被保险人为有限责任公司或信托，则适用下列条款：\n\n实体名称：Genever Holdings, LLC（吉尼弗控股有限责任公司）\n\n住所地址：781 Fifth Avenue, 18th Floor, New York, NY 10022\n\n~\n\n第三部分——责任，仅适用于因上述所列住所的所有权而引起的事故。此外，就该住所的所有权而言，有限责任公司的成员和经理、信托或受托人亦为被保险人。\n\n~","key_entities":["Je","CIPA","Kwok","Ho Wan Kwok","Despins"],"ecf_references":[],"word_count":18227,"status":"published","published_at":"2023-05-12 00:00:00","created_at":"2023-05-12","updated_at":"2026-08-23 21:55:05"}