Homeowner Information

HOMEOWNERS INSURANCE COVERAGE DESCRIPTION

DWELLING: Covers the house and attached structures for accidental direct physical loss except those losses excluded in the policy. This includes built in or
attached items such as built in appliances or wall-to-wall carpet.

OTHER STRUCTURES: Automatic coverage is 10% of DWELLING. Covers other buildings or structures on the property that are separated by clear space from the
house. Examples are detached garage or a gazebo.

PERSONAL PROPERTY (or CONTENTS): Automatic coverage is 70% of DWELLING. Covers your personal property, such as: furniture and clothing, and items
that are not attached to or built into the home. Covers these items for loss due to specific causes such as fire, smoke, wind, theft, and other causes as described
in the policy. Within "PERSONAL PROPERTY," there are some valuable items upon which the policy places "special limits." Some examples are jewelry, fine arts,
and money. Items like jewelry and fine arts can be specifically scheduled onto the policy, and doing so picks up additional perils for which they're covered, such as
mysterious disappearance. In the case of money, if the insurance company didn't designate a maximum amount, a fraudulent-minded person could say after a fire,
"You know, I don't believe in banks and I had $20,000 in cash in my mattress." Automatic coverage is 70% of DWELLING.

LOSS OF USE (or ADDITIONAL LIVING EXPENSES): Automatic coverage is 100% of Dwelling. Pays for reasonable living expenses if you are not able to reside
in the home due to a covered loss.

MEDICAL PAYMENTS: Usually $1000 in coverage. Pays for medical expenses of others who are injured on your property or caused by your activities off your
property. A "good faith" payment that can be made before a judge or jury determines you're legally liable. Paying for someone's trip to the emergency room can go
a long way towards keeping them from suing you, and thereby the insurance company. And if they do sue you . . .

PERSONAL LIABILITY: Usually $500,000 in coverage. Covers injury and damages to others for which you are held legally liable, except as limited or excluded by
the policy. An example of an exclusion is "intentional acts." You can't punch your neighbor over a fence dispute and expect the insurance company to pay for it.

REPLACEMENT COST ON DWELLING: Can pay up to an additional 20% of the Dwelling coverage limit if the home is a total loss and additional money is needed
to replace it.

REPLACEMENT COST ON CONTENTS: Pays to replace or repair personal property without depreciation being taken from the value of the property

WATER BACKUP: of sewers or drains: Different dollar amounts are available to provide coverage for cleanup or damages if your sump pump fails.

ORDINANCE OR LAW: Pays for increased expense to rebuild due to current building codes or ordinances. Example: current zoning may require all new
construction to have sprinkler systems.

EARTHQUAKE: provides coverage with a 5% deductible separately applied to Dwelling, Personal Property and Other Structures. As you should well know, Ohio,
Kentucky, and Indiana are all in the New Madrid Seismic Zone.

IDENTITY THEFT: Pays up to $25,000 for expenses incurred, plus includes a service aspect to assist you with all tasks to restore your identity. Credit monitoring
is also available, all for only $45 per year! Ask us for a comparison to Lifelock!

PERSONAL INJURY LIABILITY: Provides coverage for the injury as a result of: False Arrest, False Imprisonment, Wrongful Eviction or Wrongful Entry: Wrongful
Detention, Malicious Prosecution, Misrepresentation, or Humiliation; Libel, Slander, Defamation of Character; or Invasion of Rights of Privacy. This coverage is also
included if you purchase a Personal Umbrella Liability policy. When you request your Ohio Insurance Quote, ask us what this policy is all about.

HOME CARE LIABILITY: Do you baby-sit during the day, like a daycare? For a very nominal charge, you can add liability coverage for valuable protection.

ADDITIONAL DWELLING UNITS LIABILITY: Do you own rental property? For a very nominal charge, we can add liability coverage extension for up to four rental
units. If you are in the landlord business, you know that some insurance policies only cover the structure itself, and not liability. Of course, we at Roth & Reynolds
would be very happy to provide you with an Ohio, Kentucky, & Indiana Quote, for all of your rental property. :) Like all of our products, we have very competitive
rates.

MINE SUBSIDENCE: This is a very necessary coverage for our friends in Southern Ohio & Indiana, and all of Kentucky. Your house may have been built over an old
coal mine without you even knowing. If over time there's a collapse, you're covered with this option.

LOSS ASSESSMENT: Even though you own your own home, are you a part of Homeowner Association? If so, you could be "assessed," or made to pay, damages
or injuries for some common occurrence for which the Association is responsible. Does your neighborhood have a pond or a playground? If a child were to be hurt
and the Master Association policy doesn't have enough coverage, the child's parents are coming after each Association member. And that means you!