Esurance Insurance Services, Inc. Esurance Insurance Company

P. O. Box 5250 650 Davis Street 
Sioux Falls, SD 57117-5250 San Francisco, CA 94111 
1-800-ESURANCE (1-800-378-7262)  

Homeowners Policy Declarations-Renewal

 
Information as of  February 24, 2020

Your Policy Effective date is March 12, 2020

Summary
Named Insured(s)
Benjamin Harper
Allison M Harper
 
Mailing Address Policy Number
3361 S Fairfax St HPCO014346945
Denver, CO 80222
 
Your policy provided by Policy period
Esurance Insurance Company Beginning March 12, 2020 through
March 12, 2021 at 12:01 a.m. standard
time

 
Some or all of the information on your Policy Declarations is used in the rating of your policy or it could affect
your eligibility for certain coverages. Please notify us immediately if you believe that any information on your
Policy Declarations is incorrect. We will make corrections once you have notified us, and any resulting rate
adjustments will be made only for the current policy period or for future policy periods. Please also notify us
immediately if you believe any coverages are not listed or are inaccurately listed.

H160000 C0 11 15  Page 1 of 7

 
   

Policy number: HPCO014346945
Policy effective date: March 12, 2020
1-800-ESURANCE    (1-800-378-7262)
 
 
Total Premium for the Policy Period

Premium for property insured  $1,173.27
   
Full term premium $1,173.27

* If you do not pay in full, you will also be charged an installment fee(s). Refer to your bill for installment fee
information
 
 
Discounts (included in your total premium)

Welcome Home Multi-Policy
Claim-Free Home Safety Features
Smoke-Free Preferred Buyer
Loyal Customer
 

Total discounts $594.07

 
 
Insured property details

Please review and verify the information regarding your insured property. Please refer to the Estimated Home
Replacement Cost Important Notice (HN430000 CW 01 14) for additional coverage information. Contact us if
you have any changes.
Location of property insured:
3361 S Fairfax St, Denver CO 80222
 
Dwelling Style:
Built in 1953; 1 Family; 2015 sq. ft.; 1 Story

 
H160000 C0 11 15  Page 2 of 7
   

Policy number: HPCO014346945
Policy effective date: March 12, 2020
1-800-ESURANCE    (1-800-378-7262)
 
Insured property details (continued)

Foundation:
Other

Attached structures:
Attached Garage - 1 car
 
 
Detached structures:
None

Exterior wall types:

Wood siding/shake

 
Interior features:
Kitchen - Builder's Grade Full Bath - Builder's Grade
0 - Fireplace

Additional details:
None
 
 
 
 
Fire protection details: 
Fire department subscription- No < = 1 miles to fire department
  ft. to fire hydrant

Roof surface material type:

Asphalt shingles

Roof details:  
Predominant roof type: Asphalt shingles Age of roof-'4 years'
Roof geometry- Gable

 
H160000 C0 11 15  Page 3 of 7
   

Policy number: HPCO014346945
Policy effective date: March 12, 2020
1-800-ESURANCE    (1-800-378-7262)
 
Insured property details (continued)
 

 
Mortgagees (listed in order of precedence)
 
Wells Fargo Bank NA #936 ISAOA
Po Box 100515, Florence, SC 29502
0540682697

Additional Interested Parties:

None

 
H160000 C0 11 15  Page 4 of 7
   

Policy number: HPCO014346945
Policy effective date: March 12, 2020
1-800-ESURANCE    (1-800-378-7262)
 
Coverage detail for the property insured
Coverage Limits of Liability Applicable Deductible(s)
Dwelling Protection $270,900 •$2,709 Windstorm and Hail
•$1,000 All other perils
Other Structures Protection $13,545 •$2,709 Windstorm and Hail
•$1,000 All other perils
Personal Property Protection $162,540 •$2,709 Windstorm and Hail
•$1,000 All other perils
Additional Living Expense Coverage Up to 24 Months  
Family Liability Protection $100,000 per occurrence  
Guest Medical Protection $2,500  per occurence  
Roof Surfaces Extended Coverage Included  
Water Backup Coverage $5,000 •$500 All other perils
Building Codes Not Purchased*   
Increased Building Structure Protection Not Purchased*
Electronic Data Recovery Expense Coverage Not Purchased*
Coverage on Jewelry, Watches, and Furs $5,000 per occurrence •$2,709 Windstorm and Hail
$1,000 per item •$1,000 All other perils
Coverage on Cameras $1,000 per occurrence •$2,709 Windstorm and Hail
$1,000 per item •$1,000 All other perils
Coverage on Musical Instruments $1,000 per occurrence •$2,709 Windstorm and Hail
$1,000 per item •$1,000 All other perils
Coverage on Sports Equipment $1,000 per occurrence •$2,709 Windstorm and Hail
$1,000 per item •$1,000 All other perils
Extended Premises Not Purchased*  
Fair Rental Income Protection Not Purchased*  
Fire Department Charges $500 total aggregate  
Golf Cart Not Purchased*  
 
 
 
 
 
 
* This coverage can provide you with valuable protection. Call 1-800-ESURANCE (1-800-378-7262) to talk
about the availability of this coverage and whether it meets your needs.

 
H160000 C0 11 15  Page 5 of 7
   

Policy number: HPCO014346945
Policy effective date: March 12, 2020
1-800-ESURANCE    (1-800-378-7262)
 
Coverage Limits of Liability Applicable Deductible(s)
Eco Upgrade Coverage Not Purchased*  
Home Day Care Not Purchased*  
Coverage on Business Property $1,000 on premises •$2,709 Windstorm and Hail
•$1,000 All other perils
Coverage on Silverware Theft $2,500 •$1,000 All other perils
Loss Assessments Not Purchased*
Additional Coverage for Yard and Garden Not Purchased*  

 
* This coverage can provide you with valuable protection. Call 1-800-ESURANCE (1-800-378-7262) to talk
about the availability of this coverage and whether it meets your needs.
 
 
Scheduled Personal Property Coverage

Not Purchased*

 
H160000 C0 11 15  Page 6 of 7
   

Policy number: HPCO014346945
Policy effective date: March 12, 2020
1-800-ESURANCE    (1-800-378-7262)
 
Your policy documents
Your Homeowners policy consists of the Policy Declarations, and Policy Declarations Addendum, and the following
documents. Please keep them together.

·H200000 CO 01 19 Colorado Amendatory Endorsement
·H100000 CO 01 14 Personal Homeowners Policy
·H110000 CW 05 15 Officer Signatory Endorsement
·H310000 CO 01 14 Roof Surfaces Extended Coverage
·H330000 CO 01 14 Windstorm and Hail Deductible
·H840000 CW 01 14 Water Backup

Other Products Purchased

These are additional products, purchased through Esurance, which are not a part of your Homeowners Insurance Policy.
 
 

Authorized Representative
 
 
 
 
 
 
 

 
H160000 C0 11 15  Page 7 of 7
 Colorado Esurance Insurance Company

Named Insured(s):
Benjamin Harper
Allison M Harper
Policy Number: HPCO014346945

Building Codes and Increased Building Structure Coverages

Building Codes Coverage pays for the additional costs which may be necessary to rebuild a home in accordance
with the current building code standards when a claim occurs. Due to constantly changing building code standards,
additional rebuilding costs may be incurred to meet updated codes as required by law. Building Codes Coverage is
calculated by applying a percentage to your chosen dwelling coverage limits. This percentage is the effective
amount of the increase above your chosen limit.

As required by Colorado law, I have been given the opportunity to purchase optional Building Codes Coverage in
the amount up to 10% of my Dwelling Protection limit at the cost shown below.

Percentage of Coverage Cost of Coverage

10% of dwelling limit $51.41

Increased Building Structure Coverage pays for the additional costs to rebuild a home that may result either from
upgrades to the home or due to an increase in building costs resulting from a shortage of materials or any
specialized labor needed to complete the reconstruction at the time of the claim. Increased Building Structure
Coverage is calculated by applying a percentage to your chosen dwelling coverage limits. This percentage is the
effective amount of the increase above your chosen limit.

As required by Colorado law, I have been given the opportunity to purchase Increased Building Structures
coverage in the amounts up to 20% of my Dwelling Protection limit at the cost shown below

Percentage of Coverage Cost of Coverage

20% of dwelling limit $92.36

If you desire to add or change the amount of either your Building Codes Coverage or Increased Building
Structure Coverage, please contact Esurance at 800-ESURANCE.

H180500 CO 01 14 Page 1 of 1
 ADVERSE UNDERWRITING DECISION NOTICE
 
NAMED INSURED(S):
Benjamin Harper

Allison M Harper

POLICY NO.:HPCO014346945
 
As required by state law and the Federal Fair Credit Reporting Act, we are writing to advise you that the rate we assigned to
your homeowners policy is not our lowest rate. We did not give you our lowest rate due, in part, to information from the
consumer reporting agency identified below. At Esurance we use insurance scoring, which is based on consumer credit report
data along with other rating factors such as where you live, the coverage's and limits you've chosen and discount eligibility, in
determining the appropriate rates to apply to your policy.

We obtained consumer credit report data scores from the consumer reporting agency shown below. Please note that the
consumer reporting agency did not make any premium or rating decisions and it is unable to explain your policy premium. As
provided under Section 612 of the Fair Credit Reporting Act, you are entitled to obtain a free copy of each of your consumer
reports within sixty (60) days of receiving this notice. You will need to contact the consumer reporting agency directly to dispute
the accuracy or completeness of any information included in your reports.

TransUnion National Disclosure Center

2 Baldwin Place
PO Box 1000
Chester, PA 19022
Phone: 1-888-503-0048
www.transunion.com

You have the right to know the specific item(s) of information about you in our files that support the reason(s) given for this
decision and the identity of the source of that information. You may obtain the specific reason(s) by submitting a written request
to the Company. You also have the right to see and obtain copies of documents in our files relating to this decision.

If you ask us to correct, amend, or delete any information about you in our files and if we refuse to do so, you have the right to
give us a concise statement of what you believe is the correct information. We will put your statement in our file so that anyone
reviewing your file will see it.

If you have questions or would like additional information about our rating action, please submit them to us in writing at the
address listed below within ninety (90) business days of the date this letter was mailed to you. We will respond in writing within
twenty-one (21) days after receiving your request.

Rate Review
Esurance Customer Service
P.O. Box 5250
Sioux Falls, SD 57117

The Connection Between Credit History and Premium

We determine premiums using the information you provide on your insurance application, as well as using other factors. Certain
credit report information has proved an effective predictor of insurance losses. It also allows us to keep costs competitive by
helping make it possible for customers who are less likely to experience losses to pay less for their insurance. Keep in mind we
use credit history in addition to, not instead of, our other characteristics. By considering this information, we can match likelihood
of loss to premium even more precisely, and we think that's good for our customers. It allows us to keep insurance costs as
competitive as possible for the greatest number of policyholders.
 
 
 
 
 
 
HN160000 CW 01 14 Page 1 of 1
 Important Information About Your Credit-Based Insurance Score
 
NAMED INSURED(S):
Benjamin Harper
Allison M Harper

POLICY NO.:HPCO014346945
 
Please take a moment to read the Adverse Underwriting Decision notice immediately following this insert containing important
information about our use of consumer reports and your rights under the federal Fair Credit Reporting Act. In that notice, we
explain why we order credit reports and explain how important it is for you to check the accuracy of that information.

In the state where we issued your policy, we are required by law to inform you of certain factors in your credit report(s)
adversely affecting your credit-based insurance score. The following factors were the primary influences on your premium:
 
1. Average number of months trades on file (excluding auto and mortgage trades).
2. Average percentage of months revolving trades are used and paid as agreed.
3. Average paid balance percentage.

HN165000 CW 02 14 Page 1 of 1
 
 ADVERSE UNDERWRITING DECISION NOTICE
 
NAMED INSURED(S):
Benjamin Harper

Allison M Harper
 
 
POLICY NO.: HPCO014346945
 
 
As required by state law and the Federal Fair Credit Reporting Act, we are writing to advise you that the rate we assigned to
your homeowners policy is not our lowest rate. We did not give you our lowest rate due, in part, to information from the
consumer reporting agency identified below. At Esurance we may consider certain prior insurance information, motor vehicle
reports (MVR), Current Carrier (CC), and reports from the Comprehensive Loss Underwriting Exchange (CLUE) when
determining the appropriate rates to apply to your policy.

We obtained consumer report information from the consumer reporting agency shown below. Please note that the consumer
reporting agency did not make any premium or rating decisions and it is unable to explain your policy premium. As provided
under Section 612 of the Fair Credit Reporting Act, you are entitled to obtain a free copy of each of your consumer reports within
sixty (60) days of receiving this notice. You will need to contact the consumer reporting agency directly to dispute the accuracy
or completeness of any information included in your reports.

LexisNexis Risk Solutions

PO Box 105108
Atlanta, GA 30348-5108
Phone: 1-800-456-6004
www.consumerdisclosure.com

You have the right to know the specific item(s) of information about you in our files that support the reason(s) given for this
decision and the identity of the source of that information. You may obtain the specific reason(s) by submitting a written request
to the Company. You also have the right to see and obtain copies of documents in our files relating to this decision.

If you ask us to correct, amend, or delete any information about you in our files and if we refuse to do so, you have the right to
give us a concise statement of what you believe is the correct information. We will put your statement in our file so that anyone
reviewing your file will see it.

If you have questions or would like additional information about our rating action, please submit them to us in writing at the
address listed below within ninety (90) business days of the date this letter was mailed to you. We will respond in writing within
twenty-one (21) days after receiving your request.

Rate Review
Esurance Customer Service
P.O. Box 5250
Sioux Falls, SD 57117
 
 
 
 
 
 
 
 
 
 
 
 
 
 
HN170000 CW 01 14 Page 1 of 1
 Your Rights Related to Reviewing and Changing Your Insurance Records

You should know that the laws in your state entitle you to know the specific items of information and their sources
that support our underwriting decision. The information is described in the enclosed notice(s) about consumer
reports. If you would like this information, please send us a written request within ninety (90) business days of the
date of this notice. We will respond to you within twenty-one (21) business days of the date we receive your written
request.

Your Right to Review Your Insurance Records

You have the right to review recorded information about you contained in our insurance records or files. If you
choose to review this information, please send us a written request that includes proper identification and a
reasonable description of the information you wish to obtain. If we can locate and obtain this information with
reasonable effort, we will inform you of its nature and substance within thirty (30) business days from the date we
receive your request. You may obtain and review the information in person, or, if you prefer, we can mail the
information to you. We will also tell you to whom we have disclosed this information within the last two (2) years or,
if this information is unavailable, to whom we would normally disclose this information.

Your Right to Request Correction, Change, or Deletion of Recorded Information

You have the right to send us a written request to correct, change, or eliminate any recorded information we have
about you in our records or files. If we agree with your request, we will notify you within thirty (30) business days of
receiving your request. We will also provide copies of the information we changed to any person(s) you designate
who may have received this information within the past two (2) years, as well as to any person(s) or organization(s)
who either supplied us with the information or to whom we disclosed it. If we are unable to comply with your
request, we will notify you within thirty (30) business days of receiving your request and will provide the reason(s)
for our decision. If you disagree with the reason(s) for our action, you have the right to file a written statement that
includes what you believe is the correct information

HN175000 CW 01 14 Page 1 of 1
Esurance's Privacy & Security Commitment
Policy last updated: October 26, 2016

Esurance values its relationship with you. Protecting the privacy of your information is of the greatest
importance to us. As an insurance provider, we are regulated by Federal and State laws protecting the
confidentiality and security of your information, as well as our use and disclosure of it. Whether you are a
current, former, or potential customer, Esurance treats your personal information with the same high level of
confidentiality and security.

Our Use And Disclosure of Information

At Esurance, we gather information about you that may be used including in connection with your application
for a quote, to process and service your insurance policy, settle your claims and offer you additional products
and services that we think may be of interest to you, for research and analytics purpose, and as permitted or
directed by you. If you apply for a quote for yourself and any other person(s), we also may gather, use and share
such person’s/persons’ information in the same manner.

Information We Collect From You

This includes information you provide us on the Internet, by phone, via mobile application, by email, through
our service providers, or by other means. Examples of such information may include your name, address,
residence information, telephone number, email address, vehicle information, driver's license number, driving
history, claims history, current or former insurance information, social security number, medical information,
gender, educational background, date of birth, marital status and Esurance Web pages visited.

Information We Collect From Third Parties

This includes information we collect from affiliated and nonaffiliated third parties, including but not necessarily
limited to insurance support organizations and, consumer reporting agencies. It includes information such as
motor vehicle reports, consumer credit information, demographic information, insurance histories, and insurance
claims reports. Information obtained from insurance support organizations may be retained by such
organizations and disclosed to other persons as permitted by law.

Information About Your Transactions

This includes information about your transactions with us and others, including our affiliates. It includes
information such as your policy coverage levels, account balances, claims history, and billing information.

Information We Disclose
Information about our current, former, or potential customers, may be disclosed, but only as permitted or
required by law, or as permitted or directed by the customer or consumer.

For example, we may disclose such information to affiliated and nonaffiliated insurance companies, insurance
agents, reinsurance companies, insurance support organizations, such as consumer reporting agencies,
government entities, and claims administrators. We may also disclose information to nonaffiliated third parties
that perform services or functions on our behalf including the marketing of our products or services. Further, we
may also disclose such information as necessary to effect, administer or enforce a transaction that you request or
authorize, or in connection with servicing or processing a transaction that you request or authorize.

The following are examples of situations in which we may disclose such information:

 Your information may be passed between us and our agents, appraisers, attorneys, investigators, and
others who may be involved in the sales and marketing of Esurance products and services, processing of
applications, and servicing of policies or claims.

HN140000 CW 10 16 Page 1 of 4
  If you request a comparison quote, your information may be shared with an affiliated insurance agent
and third-party insurance companies in order to provide you with the requested comparison quotes.
 We provide your policy information to adjusters and other appropriate business entities that make any
necessary repairs to your vehicle or property insured with us when you have a claim.
 We may provide your information to others whom we determine need such information to perform
insurance or other professional functions for us. These may include parties helping us with
administrative services and consumer reporting agencies.
 We may supply information as required by search warrant, subpoena, or legal process, to state insurance
departments, or other law enforcement or government authorities when required by law, or to protect
our own legal interests in the event of suspected illegal or fraudulent activities.
 If we collect your information as an agent for one of our business partners, we may use it to contact you
or make you an offer regarding insurance products that may be of interest to you.

Esurance Communications
Esurance may contact you regarding your policy and our products and services, such as insurance rate quotes,
billing notices, confirmations of changes, changes to our products, and other Esurance-specific communications.
You may NOT unsubscribe from these Esurance-specific communications that relate to your primary usage of
our service and products; and you agree to receive these if you make a purchase.

When you quote or become a policyholder with us, Esurance may contact you about third-party promotions, our
products and services and other information that may be useful to you. In addition, prior to purchasing a policy
or after canceling your policy, Esurance may contact you to confirm your quote or invite you to come back and
get a new quote or to purchase a policy. You will have the ability to unsubscribe from whichever type of
communication you received.

Confidential and Secure Web Environment

Esurance is strongly committed to protecting the confidentiality and security of your information against
unauthorized access and disclosure. We only disclose your information to our personnel, our affiliates;
personnel, others who have a need to know that information to service your account, and as otherwise permitted
or required by law. We maintain strict physical, electronic, and procedural safeguards to protect your
information.

Separate from information you provide to us individually via our website, Esurance uses web beacons on our
website and in our emails to collect general information about visits to our website as part of our business
tracking. This information is used to enhance your website experience and includes, for example, data regarding
how you linked to our website, your internet protocol (IP) address, your browser and/or device type, and your
time of visit. This information does not include your name, address, telephone number or email address.
Esurance may use third-party web analytic and advertising services to assist with collecting and tracking of this
information.

In addition, Esurance’s third-party ad servers may use technology that includes web beacons on websites on
which we advertise, to support site tracking, measure site performance, enhance your website experience, and
for product marketing. For example, one of our third-party ad servers may place a cookie via a web beacon on
your computer that helps to identify your computer when you arrive at or return to our site, to personalize
aspects of your experience at our site, and to better understand how visitors like you in aggregate are using our
site, all of which helps us to continually improve the experience on our site. These web beacons do no collect
personally identifiable information (such as your name, address, telephone number or email address).

Another use of web beacons and cookies is for Esurance to advertise on other websites. In this common practice
(sometimes referred to as re-targeting), our third-party ad server or an advertising vendor may use beacons to
place cookies on your computer when you visit the Esurance websites, in order to display Esurance advertising
messages to you later on other websites. We do not allow those third-party ad servers or advertising vendors to

HN140000 CW 10 16 Page 2 of 4
use beacons on our site to place cookies that will be used to display advertising for any companies other than
Esurance. To learn more, or to opt-out of this type of targeting by third-party ad servers/vendors that are
members of the Network Advertising Initiative and the Digital Advertising Alliance, please visit
http://www.networkadvertising.org/managing/opt_out.asp and http:/www.aboutads.info/choices/.

Links to Other Companies on the Esurance Website

The Esurance Web site contains links to our business partners and links to other sites offering valuable
information. If you choose to provide any information to any of these entities, the collection and disclosure of
your information by that entity will be governed solely by that entity's privacy policy. Esurance makes no
representations or warranties regarding these sites.

Reviewing or Correcting Your Information

As a policyholder, you can always review and update your information through your account on our Web site at
www.esurance.com or by calling our customer service center at 1-800-ESURANCE (1-800-378-7262). All
consumers have the right to know the information that Esurance has about them, to make changes to that
information, and to know the identity of any entity that Esurance has disclosed that information to within the
previous two years. To make such an inquiry please call our customer service center or write to the address
listed below and identify the information you would like. You will be required to provide certain information for
identity verification purposes.. If your information is not immediately accessible when you contact us, within 30
business days, Esurance will inform you of the types of information we have about you. If you would like to
further review the information, you may review and copy the information in person at our customer service
center or request a copy be sent to you by mail. Esurance may charge a fee for providing a copy by mail. If you
are under 18 and make a comment on the Esurance Blog (http://blog.esurance.com/) or anywhere else on our
website that allows visitors to post comments, you may ask us to remove your comment by writing to
privacy@esurance.com. Please note that your request does not ensure complete or comprehensive removal of
the content or information. For example, some of your content may have been reposted by another user.

Confidentiality for victims of domestic violence in New York

The state of New York prohibits many types of discrimination against domestic abuse victims. It is unlawful for
any insurance company to deny or cancel a policy, refuse to renew a policy, set a limit of coverage, or base
insurance rates on the basis of being a victim of domestic abuse. If you and/or your child have experienced
domestic violence, and you have obtained a valid Order of Protection directly related to the abuse, Esurance will
take appropriate actions to protect you and/or your child's information. This includes safeguarding your name,
address, and phone number. For more information, please review Esurance's information on New York domestic
abuse confidentiality (https://www.esurance.com/HomeContent/Home/pdf/Notice-on-Confidentiality-for-
Domestic-Violence-Victims.pdf).

Information Request
Esurance Customer Service
P.O. Box 5250
Sioux Falls, SD 57117-5250

Contact Information
For questions about our privacy policy, please contact us at the address below, or send an email to:
privacy@esurance.com

Privacy
Esurance Customer Service
P.O. Box 5250
Sioux Falls, SD 57117-5250

HN140000 CW 10 16 Page 3 of 4
This privacy policy applies to the following companies:

Esurance Insurance Services, Inc.

Esurance Insurance Company
Esurance Insurance Company of New Jersey
Esurance Property and Casualty Insurance Company
Home State County Mutual Insurance Company (for Esurance-Home State Customers)

Esurance may modify this Policy from time to time. The current policy is always available at
www.esurance.com. If significant changes are made to the Policy, Esurance will notify its policyholders.

HN140000 CW 10 16 Page 4 of 4
 U.S. TREASURY DEPARTMENT’S OFFICE OF FOREIGN
ASSETS CONTROL ("OFAC")
ADVISORY NOTICE TO POLICYHOLDERS

PLEASE READ THIS NOTICE CAREFULLY

This Notice provides information concerning the possible impact on your insurance coverage due to directives
issued by OFAC. No coverage is provided by this Notice nor can it be construed to replace any provisions of
your Policy. Please read your Policy and Policy Declarations for complete information on the coverages you are
provided.

OFAC administers and enforces sanctions policies based on Presidential declarations of “national emergency.”
OFAC has identified and listed numerous:
• Foreign agents;
• Front organizations;
• Terrorists;
• Terrorist organizations; and
• Narcotics traffickers;
as “Specially Designated Nationals and Blocked Persons.” This list can be located on the United States
Treasury’s website at http://www.treas.gov/ofac.

In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity
claiming the benefits of this Policy has violated U.S. sanctions law or is a “Specially Designated National and
Blocked Person,” as identified by OFAC, this Policy will be considered a blocked or frozen contract and all
provisions of this policy are immediately subject to OFAC rules and regulations. When a policy is considered to
be such a blocked or frozen contract, no payments or premium refunds may be made without authorization from
OFAC. Other limitations on the premiums and payments may also apply.

HN150000 CW 01 14 Page 1 of 1
Policy Endorsement
The following endorsement changes your policy. Please read this document carefully and keep it with your policy.
Roof Surfaces Extended Coverage – H310000 CO 01 14
In Section I Conditions, item 5, How We Pay For A Loss, provision c) (titled “Building Structure Reimbursement.”) the
sixth paragraph is replaced by the following:

Building Structure Reimbursement will not apply to:

1) property covered under Personal Property Protection–Coverage C;
2) property covered under Other Structures Protection–Coverage B that is not a "building structure";
3) wall-to-wall carpeting, fences, awnings and outdoor antennas, whether or not fastened to a "building structure";
or
4) land.

All other policy terms and conditions apply.

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Your Estimated Home Replacement Cost

 
Esurance has determined that the estimated cost to replace your home is: $ 270,900
 
We based your estimated cost on information provided by you and selected data that was available to us, which is
described in the "Insured property details" section of your Policy Declarations. Please review all the information in
this section to ensure the accuracy of the information used to determine the estimated replacement cost of your
home.
 
Your Policy Declarations shows the limit of liability applicable to Dwelling Protection-Coverage A of your
homeowners insurance policy. The estimated replacement cost of your home is the minimum amount for which we
will insure your home.
 
The decision regarding the limit applicable to your Dwelling Protection - Coverage A is your decision to make, as
long as, at a minimum, your limit equals the estimated replacement cost as determined by Esurance and does not
exceed maximum coverage limitations established by Esurance.
 
It is important to keep in mind that your Coverage A limit reflect a replacement cost that is only an estimate based
on data that was available to us when we made this estimate (this information is described in the "Insured property
details" section of your Policy Declarations). The actual amount it will cost to replace your home cannot be known
until after a covered total loss has occurred. Please keep in mind that we do not guarantee the adequacy of the
estimate to cover any future loss(es).
 
How Is the Replacement Cost Estimated?
Many factors can affect the cost to replace your home, including its age, size, and type of construction. For
example, the replacement cost uses construction data, such as labor and materials, that are available to us when we
made this estimate. This estimate is also based on characteristics of the home, which include information that you
provided to us. You might have chosen to insure your home for a higher amount than the estimated replacement
cost shown above.
 
Note to Customers Renewing Their Policy
The estimated replacement cost for your home may have changed since the last time we communicated this
information to you. This is because, at renewal, Esurance uses the home characteristics that you have provided to us
to recalculate and update the estimated replacement cost. Using updated labor and material rates for your zip code,
Esurance takes the home characteristics you have provided and determines the updated estimated replacement cost.
The information about your home's characteristics is provided in the "Insured property details" section of your
Policy Declarations.
 
If the information about your home shown in your Policy Declarations requires any change or if you have any
questions or concerns about the information contained in this Important Notice, please call us at 1-800-
ESURANCE (1-800-378-7262).
 
 
 
 
 
 
 
 
 
 
 
 
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What You Should Know About Flood Insurance
___________________________________________________________________________________________________
Esurance homeowners insurance policies do not provide coverage for flood damage. In fact, protection against floods is
generally available only through a separate policy.
That’s why Esurance can assist you in purchasing a standard flood policy through the National Flood Insurance Program
(NFIP). A flood insurance policy can help complete the insurance protection for your property and help protect your
financial well-being.
You May Have More Risk From Flood Than You Think
Approximately 90 percent of all disasters in the U.S. are flood related. While you may think that it couldn’t happen to you,
over 25 percent of all flood losses occur in low- to moderate-risk areas.

For more information about flood insurance, or if you have any questions about your policy in general, please contact
Esurance at 800-ESURANCE or visit us at www.esurance.com/floodinsurance.

Subject to availability and qualifications. Other terms, conditions and exclusions may apply.

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Please Check Your Policy Coverage Limits
___________________________________________________________________________________________________

When we first issued your Esurance homeowners policy, you selected specific coverages and coverage limits to protect your
property. However, your property’s value may have changed since that time. We’d like to remind you that it is your
responsibility to carefully review your coverages and coverage limits at each policy renewal and make sure they provide
you with adequate coverage.

Please take a few minutes to review your policy. If you have any questions about your insurance coverage, or if you wish to
change your policy limits, please contact us at 1-800-ESURANCE (1-800-378-7262).

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