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Home My WebLink AboutSKMBT_C35113042915483KEMPER PREFERRED BROWN & BROWN OF NORTH Insurance Provided By CALIFORNIA 9 COMMERCIAL BLVD STE #100 KEMPER INDEPENDENCE NOVATO CA 94949 INSURANCE COMPANY Agency Phone (800)367 -6562 12926 Gran Bay Pkwy W - Jacksonville, FL 32258 Named Insured and Mailing Address Policy Number Policy Period 0000456 SP '•SNGLP T62410394920- 254107 - C05 -14 12144 UP 887039 Effective: 07 -11 -2012 Expiration: 07 -11 -2013 TIBURON CA 94920 Producer Code 12:01 a.m. standard time at the THERESE M. HENNESSY 53 -2472 location of the residence 7 MARSH RD premises/dwelling. TIBURON CA 94920 -2541 POLICY DECLARATIONS - HOMEOWNERS POLICY This certificate continues your policy in force for the policy period shown. It will become effective only if the required premium is paid before the effective date of the Policy Period stated. The required premium will be billed under the Kemper Billing System. Please attach this certificate to your policy. HOME INFORMATION The residence premises covered by this policy is located at the address below: 7 MARSH RD TIBURON CA 94920 COVERAGES Coverage applies only if a premium or. Limit of ' Annual limit of liability is shown for the coverage. Liability Premium SECTION I — COVERAGES • A. Dwelling $ 27,100 $ 21.00 B. Other Structures • C. Personal Property $ 100,100 $ 404.00 • D. Loss of Use $ 40,040 SECTION 11— LIABILITY E. Personal Liability: each occurrence $ 500,000 $ 40. 00 F. Medical Payments to Others: each person $ 1,000 DEDUCTIBLE — SECTION I — In case of loss we cover only that part of the loss over the deductible stated below: Policy $ 250 Total Premium for Endorsements INCLUDED $ 10.00 TOTAL RESIDENCE PREMIUM $ 475.00 For information about additional costs to you related to this policy, please read endorsement BC0001. The limit of liability for this structure (Coverage A) is based on an estimate of the cost to rebuild your home, including an approximate cost for labor and materials in your area, and specific information that you have provided about your home. Payment Expected From: Insured * Indicates a change was made to your policy AK 5035 (0800) CONTINUED ON REVERSE 00402 1 0000456 Named Insured THERESE M. HENNESSY Policy Number UP 887039 HOMEOWNERS DISCOUNTS AND CREDITS APPLIED The Total Residence premium shown above reflects savings to you as follows: Loss Free Discount Mature Homeowner Credit Protection Devices Credit Res Safety Package Credit RATING INFORMATION Construction Frame Not more than 50 ft from hydrant Miles from Dept. 1 County MARIN Occupied Condominium Yr Construction 1987 Prot Class 3 Terr. 34 State 04 HOMEOWNERS ENDORSEMENT(S) Edition Annual Number Date Description Premium` H00006 04 -91 UNIT- OWNERS FORM AK5743 08 -09 POLICY INFORMATION *VS1479 08 -11 SPECIAL POLICY PROVISIONS - CALIFORNIA VK1044 08 -85 UNIT - OWNERS BUILDING ITEMS H00453 04 -91 CREDIT CARD COVERAGE - INCREASED LIMIT Total Limit of Liability $ 1,000 H02490 01 -93 WORKERS COMPENSATION RESIDENCE EMPLOYEES H00416 04 -91 PREMISES ALARM OR FIRE PROTECTION SYSTEM Premium Credit 10% *VS2271 01 -11 LIMITED WATER BACK -UP COVERAGE $ 5.00 Limit of Liability $ 5,000 VS2317 10 -09 SPECIAL HOMEOWNERS ENDORSEMENT VK1046 04 -91 UNSCHEDULED, JEWELRY, WATCHES AND FURS Total Amount of Insurance is $ 2,500 *VS2394 01 -11 SECTION I - EXCLUSIONS BC0001 04 -09 ADDITIONAL CHARGES AND FEES ENDORSEMENT VK1012 02 -85 RESIDENCE SAFETY PACKAGE H00487 04 -03 IDENTITY FRAUD EXPENSE COVERAGE $ 5.00 VS1987 05 -04 LIMITED MOLD, FUNGI & OTHER MICROBES COV H00496 04 -91 NO COVERAGE FOR HOME DAY CARE BUSINESS ADDITIONAL POLICY INFORMATION This Policy Excludes Loss Caused by the Peril of Earthquake This Policy Includes Buildina Code UDarade Coveraae All 1Ak;MM'tN1 i Edition Number Date Description AK3161 02 -90 FAIR CREDIT /PRIVACY LAW VS1028 10 -11 CONSUMER INFORMATION RIGHTS & CONTACT VS1296 10 -07 AVAILABLE DISCOUNTS NOTICE VS1199 07 -11 RESIDENTIAL PROPERTY INS DISCLOSURE AK5270 01 -10 PRIVACY STATEMENT AK5283 07 -11 RESIDENTIAL PROPERTY INS BILL OF RIGHTS AK5295 06 -09 CLAIM SERVICE CARD AK5360 01 -06 YOUR RIGHT TO PERSONAL INFO IN CA AK5438 05 -06 NOTICE - UNEARNED PREMIUM AK5458 11 -06 FLOOD NOTICE AK5943 04 -11 NOTICE OF COVERAGE INCREASE AK5949 06 -11 CA- STABILITY OF INSURANCE RATES NOTICE AK5963 06 -11 INFORMATION REGARDING WATER BACK -UP COV ILN018 09 -03 CALIFORNIA FRAUD STATEMENT Indicates a change was made to your policy AK 5035 (0800) 00403 2 0000456 ADDITIONAL CHARGES AND FEES ENDORSEMENT All Coverage Parts included in this policy are sub- ject to the following conditions. This endorsement describes the charges and fees "you" agree to pay when "you" use one of the plans "we" offer. For the purpose of this endorse- ment only, "you" and "your" also means the person responsible for paying for this insurance coverage and for making the decision to keep this coverage in force. For the purpose of this endorsement only 'We ", "us" or "our" also means the company on the declarations page that issued this policy. ADDITIONAL CHARGES AND FEES In addition to the premium listed on the declara- tions page, "you" may be required to pay other charges and fees depending on the payment plan "you" have selected and "your' payment history. I. Billing Charges "You" will be required to pay installment charges (Billing Charges) as shown below unless "you" pay the premium in full for the en- tire policy term on or before the policy effec- tive date. A. If "you" make payments to "us" via recur- ring charge to "your' credit/debit card pur- suant to a company approved payment plan for which "you" have authorized "us" to charge /debit recurring payments, a $ 1.00 Billing Charge will be charged for each payment transaction. B. If "you" make payment to "us" via "our" automatic recurring withdrawal of payment due from "your" checking or savings ac- count, a $ 1.00 Billing Charge will be charged for each payment transaction. C. If `you" make payments to "us" other than shown in A. or B. above, a $ 6.00 Billing Charge will be charged for each bill. II. Other Charges And Fees Which May Be Associated With "Your" Policy Based Upon "Your" Payment History Nothing in this section II shall be deemed to require "us" to continue or reinstate "your" pol- BC 0001 (04 09) icy if "we" do not receive "your" payment when due. A. LATE CHARGES "We" may accept late payment from "you ". The fact that "we" may accept late pay- ment from "you" one or more times does not effectuate any waiver of "our' right to cancel or refuse to reinstate "your" policy at other times when "your" payment is not timely. If "we" do not receive payment within five (5) calendar days after its due date, a Late Charge in the amount of $20.00 will be added to 'your" balance. This charge will be included on the next bill issued along with any applicable billing charges. B. RETURNED PAYMENT FEES If `your" payment to "us" is justifiably dis- honored or not permitted by the financial institution to which 'you" directed 'We" should receive payment, `you" must pay "us" a $30.00 Returned Payment Fee. This fee will be included on the next bill is- sued after "we" receive notice of the dis- honor from the financial institution. C. REINSTATEMENT FEES "You" must pay "us" a Reinstatement Fee if '*e" agree to reinstate "your" policy after it has been cancelled for non - payment during the policy term. The fee, which will be no greater than $15.00 , will be added to "your" balance and will be included on the first bill issued after the reinstatement. III. Cumulative Nature of Charges and Fees The charges and fees set forth above in sec- tion II may be cumulative. For example, a late payment that "we" agree to accept could result in one or more additional Billing Charge(s), Late Charges, Returned Payment Fees, or Reinstatement Fees. All other provisions of this policy apply 00404 3 0000456