512 Valley Forge Way 4,0:6 Allstate.
Allstate Insurance Company
PO Box 660598
Dallas,TX 75266-0598
lilli"illilliilimiiliilliiiihii
City of Campbell
70 N 1ST ST UPPR
CAMPBELL CA 95008-1459
Policy number: 937 425 567
Transaction: Renewal
ADDITIONAL THIRD PARTY
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AlI state® Information as of August 31,2023
`o Policyholder(s) Page 1 of 2
Hillbay Garrett Nakamura
2155 S Bascom 205
Campbell CA 95008-3279 Policy number
937 425 567
111lll"Ii'll"Ii1'III111IIIII1ki1l"IIIIIIIIII"IIIIIIIIIII'il Your Allstate agency is
liillbay
GARRETT NAKAMURA (408)371-6010
70 N 1ST ST UPPR marcoinsurance@allstate.com
CAMPBELL CA 95008-1459
•
Thank you for being a loyal Allstate customer—we're happy to have you
with us!
Here's your Condominium Owners insurance renewal offer for the next 12 months.We've also included a guide
to what's in this package and answers to some common questions.
Renewing your policy is easy
Keep an eye out for your bill,which should arrive in a couple of weeks.Just send your payment by the due date
on your bill. If you're enrolled in the Allstate® Easy Pay Plan,you won't receive a bill—we'll send you a statement
with your payment withdrawal schedule.You also won't receive a bill if a mortgage company or lienholder pays
your insurance premium for you.
How to contact us
Give your Allstate Agent a call at(408)371-6010 if you have any questions. It's our job to make sure you're in
good hands.
RP378-4
4
Policy number: 937 425 567 Page 2 of 2
Policy effective date: October 22,2023
Your Insurance Coverage Checklist
We're happy to have you as an Allstate customer!This checklist outlines what's in this package and provides answers to some
basic questions, as well as any"next steps"you may need to take.
❑ What's in this package? ❑ What about my bill?
See the guide below for the documents that are included. Unless you've already paid your premium in full,we'll send
Next steps:review your Policy Declarations to confirm you your bill separately.Next steps:please pay the minimum
have the coverages,coverage limits, premiums and amount by the due date listed on it.
savings that you requested and expected. Read any You can also pay your bill online at f lla ate.cemLsupRort
Endorsements or Important Notices to learn about new or through the Allstate mobile app. If you're enrolled in the
policy changes,topics of special interest,as well as Allstate®Easy Pay Plan,we'll send you a statement
required communications.Keep all of these documents detailing your payment withdrawal schedule. Para
with your other important insurance papers. espanol, Ilamar al 1-800-979-4285.
❑ Am I getting all the discounts I should? ❑ What if I have questions?
Confirm with your Allstate Agent that you're benefiting Visit Allstate comLsupp_ort to browse our list of frequently
from all the discounts you're eligible to receive. asked questions and find information regarding billing or
policy documents.You can also create an online account
to access and manage your policies.Para espanol, Ilamar
al 1-800-979-4285.
A guide to your renewal package
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Policy number: 937 425 567
Policy effective date: October 22, 2023 Page 1 of 1 0 /IIIstate
Important Privacy Choices For Consumers
You have the right to control whether we share some of your personal information.
Please read the following information carefully before you make your choices below.
Your Rights
You have the following rights to restrict the sharing of personal and financial information with our affiliates(companies we
own or control)and outside companies that we do business with.Nothing in this form prohibits the sharing of information
necessary for us to follow the law,as permitted by law,or to give you the best service on your accounts with us.This includes
sending you information about some other products or services.
Your Choices
Restrict Information Sharing With Companies We Own or Control(Affiliates):
Unless you say"No,"we may share personal and financial information about you with our affiliated companies.
❑ NO, please do not share personal and financial information with your affiliated companies.
Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services:
Unless you say"No,"we may share personal and financial information about you with outside companies we contract with to
provide financial products and services to you.
❑ NO, please do not share personal and financial information with outside companies you contract with to provide financial
products and services.
Time Sensitive Reply
You may make your privacy choice(s)at any time.Your choice(s)marked here will remain unless you state otherwise. If you
already asked us not to share your personal and financial information,you do not need to complete this form again.However, if
we do not hear from you we may share some of your information with affiliated companies and other companies with whom we
have contracts to provide products and services.
TO USE THIS FORM,PLEASE PROVIDE ALL OF THE FOLLOWING INFORMATION TO ALLOW US TO PROCESS YOUR
REQUEST:
Name:Garrett Nakamura
ACCOUNT OR POLICY NUMBER(S):937 425 567
Signature:
To exercise your choices do one of the following:
(1) Call our toll-free number 1-800-856-2518;
(2) Fax our toll-free number 1-855-219-7425;or
(3) Fill out,sign and send back this form to us using the envelope provided
(you may want to make a copy for your records).
X73499v2
Policy number: 937 425 567 00Policy effective date: October 22,2023Page 1of 2Allstate®
Privacy Policy Statement In addition,Allstate and its business partners gather
information through Internet activity,which may include,for
Thank you for choosing Allstate.We value you, respect your example,your operating system, links you used to visit
privacy and work hard to protect your personal information. allstate.com,web pages you viewed while visiting our site or
applications, Internet Protocol(IP)addresses,and cookies.We
This statement is provided on behalf of Allstate Insurance use cookies,analytics and other technologies to help:
Company and the affiliates("Allstate")listed at the end of this
notice.We would like to explain how we collect, use and share • Evaluate our marketing campaigns
the information we obtain about you in the course of doing • Analyze how customers use our website and applications
business. • Develop new services
• Know how many visitors have seen or clicked on our ads
Our Privacy Assurance
• We do not sell your personal or medical information to Also,our business partners assist us with monitoring
information including, but not limited to, IP addresses,domain
anyone. names and browser data,which can help us to better
• We do not share your information with non-affiliate understand how visitors use allstate.com.
companies that would use it to contact you about their
own products and services,unless permitted pursuant to a How We Use and Share Your Personal Information
joint marketing agreement. In the course of normal business activities,we use and share
• We require persons or organizations that represent or your personal information.We may provide your information
assist us in servicing your policy and claims to keep your to persons or organizations within and outside of Allstate.This
information confidential. would be done as required or permitted by law.For example,
• We require our employees to protect your personal we may do this to:
information and keep it confidential. • Fulfill a transaction you requested or service your policy
As you can see, protecting your personal information is • Market our products
important to us. In addition to the practices described above, • Handle your claim
we use a variety of physical,technical and administrative • Prevent fraud
security measures that help to safeguard your information. For • Comply with requests from regulatory and law
Social Security Numbers(SSN),this includes restricting access enforcement authorities
to our employees,agents and others who use your SSN only as • . Participate in insurance support organizations
permitted by law:to comply with the law,to provide you with The persons or organizations with whom we may share your
products and services, and to handle your claims.Also,our personal information may include,among others:
employees'and agents'access to and use of your SSN are • Your agent, broker or Allstate-affiliated companies
limited by the law,our policies and standards, and our written • Companies that perform services,such as marketing,
agreements. credit card processing,and performing communication
Our privacy practices continue to apply to your information services on our behalf
even if you cease to be an Allstate customer. • Business partners that assist us with tracking how visitors
use allstate.com.
What Personal Information Do We Have and Where • Other financial institutions with whom we have a joint
Do We Get It marketing agreement
We gather personal information from you and from outside • Other insurance companies that play a role in an insurance
sources for business purposes.Some examples of the transaction with you
information we collect from you may include your name, phone • Independent claims adjusters
number, home and e-mail addresses,driver's license number, • A business or businesses that conduct actuarial or
social security number, marital status,family member research studies
information and healthcare information.Also,we maintain • Those who request information pursuant to a subpoena or
records that include, but are not limited to, policy coverages, court order
premiums,and payment history.We also collect information • Repair shops and recommended claims vendors
from outside sources that may include, but is not limited to, The Internet and Your Information Security
your driving record,claims history, medical information and
credit information. We use cookies, analytics and other technologies to help us
provide users with better service and a more customized web
Page 2 of 2
Policy number: 937 425 567
Policy effective date: October 22,2023
experience.Additionally, our business partners use tracking information. Please keep in mind that regardless of your
services,analytics and other technologies to monitor visits to choices,Allstate may share your personal information with its
allstate.com.The website may also use Web beacons(also affiliates,outside companies and other entities to comply with
called"clear GIFs"or"pixel tags")in conjunction with cookies. the law, provide you with the best service on your Allstate
If you prefer,you can choose to not accept cookies by changing accounts,or as otherwise permitted by law.
the settings on your web browser.Also, if you would like to
learn about how we gather and protect your information over We Appreciate Your Business
the Internet, please see our online privacy statement located at Thank you for choosing Allstate.We understand your concerns
the bottom of the allstate.com homepage. about privacy and confidentiality,and we hope this notice has
been helpful to you.We value our relationship with you and
To learn more,the allstate.com Privacy Statement provides look forward to keeping you in Good Hands®.
information relating to your use of the web site.
If you have questions or would like more information,please
This includes,for example,information regarding: don't hesitate to contact your Allstate agent or call the Allstate
1) how we collect information such as IP address(the number Customer Information Center at 1-800-ALLSTATE.
assigned to your computer when you use the Internet),
browser and platform types,domain names,access times, We reserve the right to change our Privacy practices,
referral data,and your activity while using our site; procedures,and terms.
2) who should use our web site;
3) the security of information over the Internet;and Allstate Insurance Company
4) links and co-branded sites.
Allstate affiliates to which this notice applies:Allstate County
How You Can Review and Correct Your Personal Mutual Insurance Company,Allstate Finance Company,
Information Allstate Financial Services, LLC(LSA Securities in LA and PA),
You can request to review your personal information contained Allstate Fire and Casualty Insurance Company,Allstate
in our records at any time.To do this, please send a letter to Indemnity Company,Allstate Investment Management
the address below requesting to see your information for the Company,Allstate Life Insurance Company,Allstate Life
previous two years. If you believe that our information i5 Insurance Company of New York,Allstate Motor Club, Inc.,
incomplete or inaccurate,you can request that we correct it. Allstate New Jersey Insurance Company,Allstate New Jersey
Please note we may not be able to provide information relating Property and Casualty Insurance Company,Allstate
to investigations, claims, litigation, and other matters.We will . Northbrook Indemnity Company,Allstate Property and
be happy to make corrections whenever possible. Casualty Insurance Company,Allstate Texas Lloyd's,Allstate
Texas Lloyd's, Inc.,Allstate Vehicle and Property Insurance
Please send requests to: Company, Deerbrook General Agency, Inc., Deerbrook
Allstate Insurance Company Customer Privacy Inquiries Insurance Company, Lincoln Benefit Life Company,North Light
PO Box 660598 Specialty Insurance Company.
Dallas,TX 75266-0598
Please Note:Allstate affiliates American Heritage Life
Sharing Personal Information:Privacy Choices for Insurance Company, Castle Key Insurance Company and
California Customers Castle Key Indemnity Company participate in information
Unless you request otherwise,we may share your personal sharing with the affiliates listed above, but have a separate
information with one or more Allstate affiliates.We may do privacy notice for their customers.
this for a number of reasons,including making you aware of the (ed.2/11/2014)
different products,services and offers they can provide. X73497-1 0
Similarly,unless you request otherwise,we may share your 9
personal information with outside companies with which we
have a written agreement to jointly offer you products and o
services that we believe may be of interest to you.
'5
You have the right to limit some sharing of your personal 9
information by reviewing and completing an"Important Privacy 5
Choices for Consumers"form.We've enclosed this form unless
you previously opted to limit some sharing of your personal 6
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Policy number: 9 2L....)
Allstate®
Policy effective date: October
22, 023 Page 1 of 1
Allstate's got you covered.
At Allstate,we know how important it is to you to have the right protection at the right price.That's why we've included some
savings tips and services you have access to below:
Review your coverages
Make sure your protection fits your current needs.
Allstate®mobile app
Download Allstate Mobile,where you can get tools and help,like ID cards',Allstate Identity Protection and 24/7 Roadside
Assistance.
Find more ways to save
Discover more about your money-saving options',like Full Pay, Drivewise®or Easy Pay,by visiting Allstate Mobile or
allstate.com/myaccount.
'Digital ID cards not accepted as proof of insurance in every state.
'Subject to terms,conditions,and availability.
X74021
Renewal Condominium Owners Policy Allstate®
Declarations
Your policy effective date is October 22,2023
Page 1of3
Total Premium for the Premium Period(Your bill will be mailed separately) Information as of August 31,2023
Premium for property insured $599.21 Summary
Premium for Scheduled Personal Property Coverage 123.00 Named Insured(s)
Total $722.21 Garrett Nakamura
Mailing address
Your bill will be mailed separately.Before making a payment,please refer to your 512 Valley Forge Way
latest bill,which includes payment options and installment fee information.If you do Campbell CA 95008-0544
not pay in full,you will be charged an installment fee(s). Policy number
937 425 567
Discounts (included in your total premium) Your policy provided by
Protective Device(SPP) 10% Protective Device 3% Allstate Insurance Company
Multiple Policy 15% Claim Free 20% Policy period
Begins on October 22,2023 through
Location of property insured October 22,2024 at 12:01 a.m.Pacific
P P yTime,and continues until cancelled
512 Valley Forge Way,Campbell,CA 95008-0544 Premium period
Beginning October 22,2023 through
Rating InformationO Time
tier 22,2024 at 12:01 a.m.Pacific
Your occupancy in the residence premises is Primary Residence. Your Allstate agency is
This policy is rated with 0 weeks rented. Hillbay
The age of the oldest resident is 39 years. 2155 S Bascom 205
Campbell CA 95008-3279
Mortgagee (408)371-6010
marcoinsurance@allstate.com
WELLS FARGO BANK NA 936 ITS SUCCESSORS&/OR ASSIGNS
P 0 Box 100515,Florence,SC 29502-0515 Some or all of the information on your
Loan number:0324907245 Policy Declarations is used in the rating
of your policy or it could affect your
eligibility for certain coverages. Please
Additional Interested Party: notify us immediately if you believe
that any information on your Policy
City of Campbell
7 Declarations is incorrect.We will make
0 N First St,Campbell,CA 95008 1458
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.
Coverage detail for the property insured
Coverage Limits of Liability Applicable Deductible(s)
Building Property Protection $54,362 •$250 All peril
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Renewal Condominium Owners Policy Declarations Page 2 of 3
Policy number: 937 425 567
Policy effective date: October 22,2023
Personal Property Protection- $42,000 •$250 All peril
Reimbursement Provision
Additional Living Expense Up to 24 months not to exceed$42,000
Family Liability Protection $300,000 each occurrence
Guest Medical Protection $1,000 each person
Building Codes $5,437
Water Back-Up Not purchased*
Loss Assessments $60,002 each occurrence
Personal Injury Protection Not purchased*
Workers'Compensation and Statutory/See Form
Employers' Liability Coverage for
Residence Employees
► Other Coverages Not Purchased:
• Business Property Protection* • Extended Coverage on Musical • Fire Department Charges*
• Electronic Data Recovery* Instruments* • Green Improvement*
• Extended Coverage on Cameras* • Extended Coverage on Sports • Identity Theft Expenses*
• Extended Coverage on Jewelry, Equipment* • Increased Silverware Theft Limit*
Watches and Furs*
*This coverage can provide you with valuable protection,To help you stay current with
your insurance needs,contact your agent to discuss available coverage options and
other products and services that can help protect you.
This policy does not cover earth movement including earthquake.
You have elected not to purchase a CEA earthquake policy.
Scheduled Personal Property Coverage
Your policy includes Scheduled Personal Property Coverage. Please refer to the Scheduled Personal Property Endorsement
(form AVP359)for terms,conditions and exclusions applicable to your Scheduled Personal Property Coverage.
Scheduled Personal Property Deductible:none g
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Property class Total of individual item limits per class o
Jewelry $6,725
Your policy documents
Your Condominium Owners policy consists of the Policy Declarations and the following documents.Please keep them together.
O
• CA Condominium Owners Policy -AP4924 • California Paperless Disclosure-AU14943
• Additional Insureds Endorsement-AVP45 • CA Domestic Workers Compensation Coverage form -
AP4926
• CA Standard Fire Policy Provisions-AP4925-1 • California Condominium Owners Amendatory Endorsement-
AP4484-6 9
• Scheduled Personal Property Endorsement-AVP359 a
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Renewal Condominium Owners Policy Declarations Pa e 3 of 3 Allstate
Policy number: 937 425 567
Policy effective date: October 22,2023 g
Important payment and coverage information
Here is some additional,helpful information related to your coverage and paying your bill:
► This policy provides building code upgrade coverage for the increased costs of repairing or replacing damage to the insured
dwelling caused by a covered loss because of building ordinances or laws regulating the repair or replacement.Building
code upgrade coverage is provided based on the increased costs associated with building ordinances or laws in effect at the
time of loss or rebuilding, up to the policy limits for this coverage.
► Coverage C-Personal Property Protection includes an approximate increase of$4,000 due to the Property Insurance
Adjustment provision using the Marshall Swift Boeckh Publications personal property cost estimating index.
► Please note:This is not a request for payment. Your bill will be mailed separately.
Allstate Insurance Company's Secretary and President have signed this policy with legal authority at Northbrook, Illinois.
Thomas J.Wilson Susan L.Lees
President Secretary
CO
CO
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6064,
6
Policy Endorsement Page 1 of 1
Policy number: 937 425 567
Policy effective date: October 22,2023
The following endorsement changes your policy. Please
read this document carefully and keep it with your
policy.
Scheduled Personal Property
Endorsement - AVP359
Named Insured(s):Garrett Nakamura
Effective Date of Endorsement:October 22,2023
For your additional premium,Allstate will pay for loss of or damage to the personal property of an
insured person as scheduled below from all risks of direct physical loss,except as limited or excluded in
the Scheduled Personal Property Endorsement(form AVP359).The amount of insurance and the
premium are shown on the Policy Declarations.
Please refer to the Scheduled Personal Property Endorsement(form AVP359)for terms,conditions and
exclusions applicable to your Scheduled Personal Property Coverage.
Jewelry
Description Amount
DIAMOND 1.2 RD I VS2 61.9%/59%6.78X 6.75X 4.19MM RING MONIQUE LHUILLIER
CATHEDRAL SOLLITAIRE ENGAGEMENT RING IN PLATINUM. ITS COLOR IS
PLATINUM AND THE DIMOND I SHAPE ROUND CLARITY VS2 NATURAL DIAMOND. $6,725
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Allstate.Important noticesPolicy number: 937 425 567 Page 1 of 6
Policy effective date: October 22,2023
Identity Theft Expenses Coverage— You Can Get Help If You Become a Victim
Coverage for Identity Theft Victims If you become a victim of identity theft,you probably won't
know all that is involved in restoring your name.There are
While modern technology has made our lives easier, it has also many issues you would need help with, including:
made it easier for thieves to commit identity theft. • Understanding your rights as an identity theft victim.
Thieves begin by gaining access to personal information such • Filling out paperwork,including police reports.
as your Social Security Number,date of birth and driver's • Issuing a Fraud Alert to the three major credit bureaus,as
license number.They then use this information to set up fake well as Social Security Administration, Federal Trade
accounts,open loans,rent housing,secure employment or Commission,and U.S. Postal Service.
even obtain medical care—all without you even knowing. • Obtaining copies of your credit bureau reports.
As this crime grows increasingly common,consumers need • Working with the three major credit bureaus to restore the
options for dealing with the costs and hassles related to accuracy of your credit history.
identity theft—that's why we're offering Identity Theft • Reviewing your credit history to verify if fraud includes
Expenses Coverage. items such as public records(liens,judgments,
For Just$40 per Year,You Can Get Help to Restore bankruptcies);credit accounts;or errors with addresses/
Your Good Name prior employment.
Now Allstate has a product that can help you if your identity is • Issuing a fraud alert to affected financial institutions and
stolen.You can add this optional coverage to your property credit card companies.
policy for just a few dollars a month—a small price to pay for • Tracing Social Security Numbers and notifying and working
peace of mind—especially when you consider that while other with the Department of Motor Vehicles,collection
insurance companies typically require a deductible for similar agencies for creditors,and law enforcement personnel.
protection,with Allstate there is no deductible.
This may seem overwhelming,but our Identity Theft Expenses
Allstate Takes Identity Theft Expenses Coverage a Coverage can help.With it, if you decide to hire a firm to help
Step Further you address identity theft issues such as these,you will have
If you purchase this coverage,we'll reimburse you for covered up to$2,000 available to pay for their services. In addition,we
expenses you incur to restore your identity up to a$25,000 may refer you to a firm that specializes in addressing the
coverage limit.That's more than most companies offer for this effects of identity theft.* In either case,if you have this
type of coverage.This coverage includes reimbursement for: coverage you'll have peace of mind knowing you can get help to
restore your identity.
• Attorneys fees(subject to applicable coverage limits)—in
case you need to hire an attorney to defend you if lawsuits Are You in Good Hands®?
are brought against you by merchants or collection With Allstate you're getting more than great products and
agencies, if you need help to remove criminal or civil service.You get a team of people who know insurance and give
judgments wrongly entered against you,or to challenge you the freedom to manage your insurance your way.To sign
information contained in your credit report. up for Identity Theft Expenses Coverage,or for more
• Lost wage recovery(up to$250/day with a$5,000 information,just call your Allstate representative or log on to
cap)—this will help cover wages or salary you may lose if allstate.com.
you need to take time off work to complete affidavits or
`Referrals,if any,are solely at the discretion of Allstate.Identity Theft Expenses
meet with law enforcement agencies,financial institutions,
Coverage is subject to policy terms.Please read the policy endorsements carefully.
credit grantors,credit reporting agencies or attorneys. X71831-1
• Loan reapplication fees—this covers your expenses if you
need to reapply for loans denied you solely because the
lender received incorrect information due to identity theft. What You Should Know About Flood
• Other expenses—covers other expenses involved in Insurance
restoring your identity,such as mailing costs, notary
expenses and long-distance phone calls.
Important notices Page 2 of 6
Policy number: 937 425 567,
Policy effective date: October 22,2023
Most homeowners, renters and commercial insurance policies Property insurance covers many belongings, but some items
do not provide coverage for flood damage. In fact, protection may require higher coverage limits than those in a standard
against floods is generally available only through a separate property policy.
policy. Scheduled Personal Property(SPP)coverage gives you
That's why Allstate is a participant in the National Flood additional protection against loss or damage to your valuables.
Insurance Program(NFIP)and offers standard flood insurance It's protection not typically provided with standard property
policies.*A flood insurance policy can help complete the coverage.SPP benefits typically include:
insurance protection for your property and help protect your • No deductibles to meet
financial well-being.
• Coverage for lost or damaged items
You May Have More Risk from Flood Than You • Coverage for valuables kept in a storage location outside
Think your home
Approximately 90 percent of all disasters in the U.S.are flood
related.While you may think that it couldn't happen to you, Items That May Need the Extra Protection
over 25 percent of all flood losses occur in low-to SPP coverage provides protection for an array of valuable
moderate-risk areas. personal property.Here are some of the items you can protect
by purchasing SPP coverage through Allstate:
What's more,flood damage is often accompanied by other
damage,such as wind and hail (which is typically covered • Jewelry(including wedding rings and precious or
under a property policy).So if you purchase your NFIP semi-precious stones)
coverage through Allstate,you would have the convenience • Furs
and peace of mind that comes with working with just one claim • Cameras(digital,still, movie,video and related
adjuster and one agent,instead of two or more for a flood equipment)
claim. • Silverware and antiques(including furniture)
Flood Coverage Is Affordable • Musical instruments
The federal government sets the rates for flood insurance,so • Collections(stamps,coins,music)
there's typically no difference in rates from policy to policy.
You can switch to an NFIP flood insurance policy administered • Fine art works(including paintings,etchings,vases and
by Allstate for the same amount of premium you may be paying sculptures)
elsewhere. If you choose Allstate,you can have the quality • Manuscripts or books
service you've come to expect from us. • Home-office equipment(laptop,computer,audio/visual)
For more information about flood insurance,or if you have any • Sports equipment(such as golf clubs)
questions about your policy in general, please contact your
Allstate representative or visit us at allstate.com. Affordable Protection for Your Valuables
The cost of SPP coverage varies,but the value of your property
*Allstate provides the standard flood insurance policy under the terms of the is the best way to determine how much coverage you need.
National Flood Insurance Act of 1968 and its amendments,and Title 44 of the The rates are generally a small percentage of the total value of
Code of Federal Regulations.The standard flood insurance policy is written by the items you're insuring.This means that your valuables are
Allstate for the National Flood Insurance Program which is administered by the being protected for only a fraction of the cost.
Federal Insurance Administration,part of the Federal Emergency Management
Agency, Regularly Review Your SPP Coverage
Even ifyou currentlyhave SPP coverage, it's agood idea to 0
Subject to availability and qualifications.Other terms,conditions and exclusions may g N
apply. review it annually. It's possible that the value of your property o
X73168 has changed or that you've purchased new items that have not o
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been added to your coverage.
5
dditi®nal Protection f®r Your Most
learn more about SPP coverage,or if you have any questions
about your insurance policy in general,contact your Allstate s
Valuable Possessions representative,or visit us at allstate.com.
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Important notices Pa e 3 of 6 .11llstate.
Policy number: 937 425 567
Policy effective date: October 22,2023 g
Did You Know That You Do Not Have' .. Additionally,we will notify you annually of your right to
designate.a third party. If you have already designated a third
Water Back-Up Coverage? party and do not wish to make any changes,you do not need to
do anything. .
Understanding your coverage can help you make the right
choices.We want to make sure you are aware that your policy If you have questions .
does not currently include Allstate's Water Back-Up Coverage. Please contact your Allstate Agent or representative,or call us
Water Back-Up Coverage may provide protection for a covered at 1-800-ALLSTATE(1-800-255-7828)if you have any
loss when:. questions or would like more information.
• Water or any other substance backs up through sewers or X73598
drains;or
• Water or any other substance Overflows from a sump •
If You Have a Problem with Your
pump,sump pump well or other system designed for the
removal of subsurface water which is drained from a Insurance , -
foundation area of a structure..
You may be interested in adding Allstate's Water Back Up Please contact your Allstate representative if you have any
questions or concerns about your insurance.If a problem
Coverage,which may minimize your out-of-pocket expenses arises that you and your Allstate representative are unable to
related to this type of water damage.This coverage helps give resolve satisfactorily,please call or write to:
the peace of mind of knowing"You're In Good Hands."
For more details about this,or any other coverages you may Allstate Customer Service -
not currently have,please contact your Allstate representative. PO Box 660598,DMallas,TX 75266-0598
1-800-ALLSTATE (1-800-255-7828)
Our goal is to help protect what is important to you.Thank you. If the problem remains unresolved,you may contact the
for choosing Allstate. . . California Department of Insurance at:
Coverage is subject to policy terms,limits,deductibles and Consumer Services Division
exclusions. - California Department of Insurance
X73192 300 South Spring Street,Los Angeles,CA 90013
•
• Consumer Hotline: 1-800-927-4357
Notice of Right to Designate a Third , Website:
g g http;/..!_.m+e►.insurance.ca.gov/01-c6nsumersL101-hclii fo EEC
Party .cfrn
We want you to know that you have the right to designate one Please contact the Department of Insurance only if you have
additional individual to receive copies of any coverage been unable to satisfactorily resolve the problem with your
termination notices that we may issue if you fail to pay the Allstate representative and with Allstate.
X3380-6
required premium when due.You also have the right to replace "
the individual you previously designated or terminate the third .
party designation entirely.This third party will not receive Information About Available Discounts
copies of your regular billing statements or any other
documents for your policy. On Your Allstate Condominium Owners
How to start,change or end a third.party Insurance
designation The premium for your Condominium Owners insurance policy
To add,change or remove a third.party simply contact your .. is determined based on a variety of factors,including
Allstate Agent or representative to receive a copy of a Third information you have given us.It is important that you notify us
Party Designation form.After you return the form with the if the information upon which your premium is based is
name and address of the designee or any changes you wish to incorrect or incomplete,so that we may adjust your premium
make,we will process your request.
accordingly.
F.1
Important notices Page 4 of 6
Policy number: 937 425 567
Policy effective date: October 22,2023
Allstate has several discounts available for which you may • Water Protective Device:
qualify.Below is a listing of these discounts, including a brief • A connected home system with water/moisture
description of each.Any discounts you are currently receiving sensors that can send alert notifications to insured
are listed on the enclosed Policy Declarations, mobile device or cental station and has the ability to
If you have questions about whether you may qualify for any trigger main level water shutoff through a connected
of the following discounts,please contact your Allstate agent valve,or
in order to discuss your possible eligibility. • A connected home system with water/moisture
55 AND RETIRED DISCOUNT sensors that can send alert notifications to insured
You may be eligible for a 10%discount on your Condominium mobile device or central station to presence or
Owners policy if: water/moisture.
❑ one of the Named Insured(s)on your policy is age 55 or The amount of the discount varies depending on how many and
older,and what types of devices are installed in your home.
❑ both the Named Insured and spouse, or registered CLAIM FREE DISCOUNT
domestic partner,are not gainfully employed full time or You may be eligible for a discount of 1%to 20%if the Named
actively seeking full time gainful employment,and Insured or spouse, or registered domestic partner,has
❑ if the insured premises with Allstate is your principal place maintained a qualifying Homeowners,Renters,Condominium
of residence. Owners, Mobile Home,or Manufactured Home insurance
MULTIPLE POLICY DISCOUNT policy issued by a non-residual market insurer for the twelve
You may be eligible for up to a 20%discount on your months prior to the effective date of the policy period,and
Condominium policy premium if the Named Insured or spouse, without any claims in your recent history.
or registered domestic partner,are also the named insured on THE GOOD HANDS PEOPLE ® DISCOUNT
a Private Passenger Automobile and/or Homeowners policy in You may be eligible for up to a 5%discount on your
California written by Allstate Insurance Company or one of its Condominium policy premium if the Named Insured or Spouse,
admitted insurance company affiliates or through an affiliate or registered domestic partner provides the requisite proof of
managed insurance exchange that offers these polices though being a qualified member of an approved group.
Allstate exclusive agents.
This notice provides only a general description of the
PROTECTIVE DEVICE DISCOUNT qualifications and conditions for each discount.Other
You may be eligible for a discount of 1%to 11%if your qualifications and conditions may apply.Therefore,for
Condominium is equipped with certain protective devices, complete details on discount qualifications and conditions,or if
such as: you think you may qualify for a discount,please contact your
• Fire Protective Device: Allstate Agent.
• Complete home sprinkler system on each floor or fire X73882
alarm reporting to fire station or cental states,or
• Partial home sprinkler system on each floor or a Dear Customer,
connected home system with smoke sensors that can
send alert notifications to insured mobile device to We'd like to remind you that damage caused by an earthquake
presence of smoke,or is not covered by your Allstate property insurance policy.As
• Smoke detector on every floor and fire extinguisher required by California law,you are now being offered optional
• Theft Protective Device: , insurance against damage caused by an earthquake. Please 0
0
• 24-hour manned security service or local burglar read the following state-required information regarding 9
alarm or burglar alarm reporting to police station or optional earthquake insurance: D
central station,or Your residential property insurance policy does not cover 0
• Connected home system with window and door earthquake damage to your home or its contents. 5
9
sensors that can send alert notifications to insured To cover earthquake damage to your home and its contents o
mobile device,or you need to purchase a separate earthquake insurance policy.
• Dead bolt locks on all exterior doors The coverage provided by an earthquake insurance policy is
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Important notices Pa e 5 of 6 1IIstate
Policy number: 937 425 567 ter
Policy effective date: October 22,2023 g
different from,and typically more limited than,the coverage DEDUCTIBLE
provided by your residential property insurance policy. If you purchase earthquake insurance from the California
California law requires insurance companies to offer Earthquake Authority(CEA), no payment will be made for a
earthquake insurance in conjunction with a residential loss covered under any coverage of the CEA policy(except
property insurance policy. If you do not accept the offer of Loss Of Use-Coverage D), including,but not limited to,
earthquake insurance below within 30 days of the mailing of Dwelling-Coverage A and Personal Property-Coverage C, until
this notice,your insurance company shall presume that you the amount of the loss covered under Dwelling-Coverage A
have not accepted this offer of earthquake insurance. exceeds the deductible shown on the Declarations page.The
CEA will then pay the amount of the covered loss that exceeds
You may purchase earthquake insurance coverage on the the deductible, up to the applicable limit of insurance and
following terms: subject to the other policy terms and conditions.This means,
for example,that even though you may incur a substantial
(A)Amount of Dwelling/Building Coverage Limit: personal property loss,no payment will be made for that loss
$25,000.00 unless and until the amount of the covered dwelling damage and
(B) Deductible:$1,250.00 other covered damage under Dwelling-Coverage A exceeds the
deductible amount.Loss to excluded or uncovered property will
(C) Contents Coverage Limits:$5,000.00 not be included in the calculation of the deductible.
(D)Additional Living Expenses Coverage Limit:$1,500.00
If the deductible amount exceeds the covered
(E) Estimated Annual Premium:$441.00 replacement/repair cost under Dwelling-Coverage A, no
The deductible represents the amount of damage your payment will be made for a loss covered under either
covered property must incur before the earthquake insurance Dwelling-Coverage A or Personal Property-Coverage C. For a
coverage begins.If your covered loss is less than the detailed explanation of how the deductible applies, please read
applicable deductible,you may not receive any payment. the policy.
If you choose not to accept this offer within the 30-day Please note that no deductible applies to Loss Of
period,you may apply for earthquake coverage at a later date. Use-Coverage D.
Your insurance company contracts with the California OPTIONAL COVERAGES ARE AVAILABLE FOR ALL POLICY
Earthquake Authority(CEA)to offer earthquake insurance to TYPES
its customers.For an additional premium,you can choose Please keep in mind that supplemental coverage options are
CEA coverage options such as higher limits for Contents or available to CEA policyholders.These coverage options,
Additional Living Expenses,increased building code upgrade available for an additional premium,allow CEA policyholders to
limits,or a lower deductible.You can also choose to buy increase the insurance limits for Personal Property-Coverage C
certain CEA coverages separately. and Loss Of Use-Coverage D (additional living expenses). For
example, a CEA policyholder may have Coverage C and
Contact your insurance agent or your insurance company to Coverage D limits under a CEA policy of:
obtain details regarding this offer of earthquake insurance • Personal Property-Coverage C$5,000
and other coverage options. • Additional Living Expenses(Loss of Use)-Coverage D
$1,500
However,a CEA policyholder can raise these limits as
indicated below:
• Personal Property-Coverage C at limits of$25,000,
$50,000,$75,000,$100,000,$150,000,or
$200,000
• Additional Living Expenses(Loss of Use)-Coverage D
$10,000,$15,000,$25,000,$50,000,$75,000,or
$100,000
Important notices Page 6 of 6
Policy number: 937 425 567
Policy effective date: October 22,2023
In addition,the following deductible options are available to
CEA Basic Earthquake Policy—Homeowners Choice
policyholders and to CEA Basic Earthquake—Homeowner
Policyholders:5%,10%,15%,20%,and 25%.
OPTIONAL COVERAGES ARE AVAILABLE FOR COMMON
INTEREST DEVELOPMENT POLICIES
If the CEA Common Interest Development Earthquake Policy is
selected,the CEA offers other optional coverages(besides
Personal Property-Coverage C and Loss Of Use-Coverage D)
for an additional premium.These include Building
Property-Coverage A and Loss Assessment-Coverage E.Loss
Assessment Coverage pays your share of a covered
assessment charged against you by a property owners
association.The assessment has to result from direct loss to
the property owned by all association members and caused by
an earthquake.
All coverage is subject to policy terms and conditions. If you
would like additional information about any of the optional
coverages mentioned above, including a premium quote,
please contact your Allstate Agent.
Please note that Allstate has elected to participate in the
California Earthquake Authority(CEA).This means that, if you
choose to purchase earthquake insurance,your earthquake
insurance policy will be provided by the California Earthquake
Authority and not by Allstate.Allstate and your Allstate
representative are authorized to represent the California
Earthquake Authority.You are not required to purchase
earthquake insurance;however, if you do want to purchase a
California Earthquake Authority policy, please call your Allstate
Agent or call 1-800-ALLSTATE(1 800-255-7828).
California Earthquake Authority
Allstate Insurance Company and
Allstate Indemnity Company are
California Earthquake Authority
participating insurers.
X73631(01-2016 edition)
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