FRAUD NOTICES

STATE	ASSURANT FRAUD STATEMENT
Alabama	Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution fines or confinement in prison, or any combination thereof. (Not required on the application, only on claims documents, but we decided to add to application).
Arkansas	Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and may subject such person to criminal and substantial civil penalties. (NOTE:fraud statement must be printed in bold and should be placed just above the signature box.)
District of Columbia	WARNING: IT IS A CRIME TO PROVIDE FALSE OR MISLEADING INFORMATION TO AN INSURER FOR THE PURPOSE OF DEFRAUDING THE INSURER OR ANY OTHER PERSON. PENALTIES INCLUDE IMPRISONMENT AND/OR FINES. IN ADDITION, AN INSURER MAY DENY INSURANCE BENEFITS IF FALSE INFORMATION MATERIALLY RELATED TO A CLAIM WAS PROVIDED BY THE APPLICANT.
Florida	Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.
Kentucky	Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.
Louisiana	Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and may subject such person to criminal and substantial civil penalties.
Maine	Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and may subject such person to criminal and substantial civil penalties.
Maryland	Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Minnesota	THE INSURER MAY ELECT TO CANCEL COVERAGE AT ANY TIME DURING THE FIRST 59 DAYS FOLLOWING ISSUANCE OF THE COVERAGE FOR ANY REASON WHICH IS NOT SPECIFICALLY PROHIBITED BY STATUTE.
New Jersey	Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.
New Mexico	Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and may subject such person to criminal and substantial civil penalties.
New York	Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.
Ohio	Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and may subject such person to criminal and substantial civil penalties.
Oklahoma	WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.
Oregon	Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, may be guilty of committing insurance fraud, and may subject such person to criminal and/or substantial civil penalties.
Pennsylvania	Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any material fact thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.
Rhode Island	RI Fraud Statement: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison Disclosure of Arson Conviction: Every insurance provider doing business within this state shall require applicants for property insurance, real or personal, to disclose whether or not the applicant or applicants have been convicted of any degree of the crime of arson as described in Chapter 4 of Title 11 within ten (10) years of the application date. An insurance provider may use the existence of an arson conviction within ten (10) years as a reason to deny coverage. The insurance application form shall indicate the existence of a criminal penalty for failure to disclose the conviction of arson. The disclosure should read: Failure to disclose the existence of an arson conviction when requested upon an insurance application shall be a misdemeanor punishable by a sentence of not more than one year imprisonment.
Tennessee	Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and may subject such person to criminal and substantial civil penalties.
Virginia	Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and may subject such person to criminal and substantial civil penalties.
Washington	It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits.

Disclosures

ASSURANT UNDERWRITERS

Assurant, Inc. is the holding company for various underwriting entities that provide Renters Insurance. In all states except Minnesota, property insurance and renters liability insurance programs are underwritten by American Bankers Insurance Company of Florida with its home office in Miami, Florida. In Minnesota, renters property and renters liability insurance are underwritten by American Security Insurance Company. In Utah, coverage is provided under policy form AJ8850PC-0307.
Each insurer has sole financial responsibility for its own products.

ALABAMA DISCLOSURE

IMPORTANT NOTICE

The Alabama Department of Insurance requires us to provide you with the Bill of Rights below:

ALABAMA POLICYHOLDER BILL OF RIGHTS
ALABAMA ACT NO. 2012-510

The purpose of this Act is to set forth the rights Alabama homeowners have with respect to their insurance policies and with insurance companies. Section 3 of the Act sets out the following minimum standards to be followed by the Alabama Department of Insurance in exercising the Department's powers and duties in regulating insurance companies pursuant to Title 27, Chapter 12, Code of Alabama 1975:

(1) Policyholders shall have the right to competitive pricing practices of insurers as prescribed by applicable federal or state insurance law and regulation.

(2) Policyholders shall have the right to insurance advertising and sales approaches that provide representative information on the policy in accordance with Title 27, Chapter 12, Code of Alabama 1975.

(3) Policyholders shall have the right to assurance that the insurance market in general and their insurance company in particular are financially stable as provided in Section 27-12-7, Code of Alabama 1975.

(4) Policyholders shall have the right to receive service from licensed producers in accordance with Title 27, Chapter 7, Code of Alabama 1975, and to request the license status of an insurance company or producer.

(5) Policyholders shall have the right to a policy as prescribed in Title 27, Chapter 14, Code of Alabama 1975, to receive a complete policy, and to request a duplicate or replacement policy, if needed.

(6) Policyholders shall have the right to receive in writing from their insurance company the reason for any cancellation of coverage and a minimum number of days' notice of cancellation of coverage, subject to applicable federal or state insurance law and regulation.

(7) Policyholders shall have the right to cancel their policy and receive a refund of any unearned premium. If a policy was funded by a premium finance company, the unearned premium will be returned to the premium finance company to pay toward the policyholder's financing loan.

(8) Policyholders shall have the right to a written notification, at renewal, describing changes in their insurance contract language that are applicable to the renewal period.

(9) Policyholders shall have the right, in the event of a claim, to reject any settlement amount offered by the insurance company.

(10) Policyholders shall have the right to select their licensed contractor or vendor to repair, replace, or rebuild damaged property covered by the insurance policy.

(11) Policyholders shall have the right to file a written complaint against any insurance company with the Department of Insurance and to have that complaint reviewed by the Department of Insurance.

(12) Policyholders shall have the right to file a written complaint against any insurance producer with the Department of Insurance and to have that complaint reviewed by the Department of Insurance.

NOTI1197-0213

INTERNET CREDIT DISCLOSURE

Renters Insurance quotes displayed may include an Internet premium credit.

MARYLAND HOUSE BILL 1261

The Maryland Department of Insurance requires us to make you aware of other coverages available to you:

This policy does not provide coverage for flooding, surface water that enters the home, or rising water. However, coverage for these types of losses may be available through the Federal Government’s National Flood Insurance Program (“NFIP”) or through other sources. For more information, click here.

Your standard renter’s insurance policy does not cover all risks. You may need to obtain additional insurance to cover loss or damage to your personal property and your liability or to cover the risks related to business or personal activities on your property. In addition to the coverages that are part of the standard Renters Insurance Policy, we offer the following additional coverages that you may choose to purchase by contacting the Company: Coverage for Water Damage, Liability Coverage for Family Day Care providers, Replacement Cost Coverage, Involuntary Unemployment Coverage, Burglary Limitation Credit, and Scheduled Personal Property. For coverage details, click here.

Flood

Please Note: This policy does NOT cover losses from flood.

Generally, the standard renter’s insurance policy does not provide coverage for flooding, surface water that enters the home or rising water. However, coverage for these types of losses may be available through the Federal Government’s National Flood Insurance Program (“NFIP”) or through other sources.

You can obtain information about the National Flood Insurance Program by contacting your insurance company or your insurance agent or by going on the internet to www.FLOODSMART.GOV or by calling 1-800-427-4661. Here are some important facts you should know:

Flood insurance policies are available for any residence located in a community that is a participant in the NFIP.
Some landlords/lessors, as a condition and/or obligation of your lease, will require that you purchase and maintain certain types of insurance (for example, flood or liability insurance). You should confirm with your landlord/lessor or the NFIP, before signing your lease, if you are required to purchase flood or other types of insurance. Even if you are not required to purchase such insurance you should consider purchasing it as additional protection for your residence.
You do not have to be located in a special flood hazard area or be close to a body of water to experience flooding. The risk of flood is present for most residences as floods can be caused by storms, melting snow, heavy rains, dam failures or other causes.
You must complete a separate application in order to purchase flood insurance; it is not part of your renter’s insurance application.
Flood insurance is available for your personal property (i.e., contents) located within your residence. A deductible will apply.
Generally, there is a thirty (30) day waiting period for a new flood insurance policy to become effective; although there are some exceptions to this general rule.
As flood insurance through the NFIP is created by federal law, flood claims are adjusted and paid in a different manner than your renters’ insurance claims.

N3272-1106

Additional Coverages

Statement of Additional Optional Coverages
Not Included in the Renter’s Insurance Policy

In addition to the coverages that are part of the standard Renter’s Insurance Policy, we offer the following additional coverages that you may choose to purchase:

Coverage for Water Damage – for losses that result from water backing up through sewers or drains.
Liability Coverage for Family Day Care providers – registered family day care providers can purchase liability coverage in the amount of at least $300,000 to protect you against claims of bodily injury, property damage, or personal injury arising out of your activities as a day care provider.
Replacement Cost Coverage - Provides replacement at time of loss at today’s cost – no depreciation.
Involuntary Unemployment Coverage - If you are the first named insured and you involuntarily lose your job, this coverage will pay an elected limit of coverage to your landlord as rental payment. Joint coverage is also available for the first named insured and their spouse.
Burglary Limitation Credit – A premium credit is available when you elect burglary coverage. This endorsement replaces theft coverage with burglary coverage. Burglary differs from theft in that it requires visible signs of forced entry when a loss occurs.
Scheduled Personal Property – Items such as jewelry, furs and silverware have limited coverage under the policy. These items may be added to the policy in order to more accurately cover the value of the item(s).
This statement provides a list of the types of additional insurance coverages that are available. Contact your insurance company, insurance producer or agent to discuss these optional coverages.

N3271-1106

Minnesota MNSF2839

THE INSURER MAY ELECT TO CANCEL COVERAGE AT ANY TIME DURING THE FIRST 60 DAYS (59 DAYS IN MINNESOTA) FOLLOWING ISSUANCE OF THE COVERAGE FOR ANY REASON WHICH IS NOT SPECIFICALLY PROHIBITED BY STATUTE.

Notice of Cancellation

The insurer may elect to cancel coverage at any time during the first 60 days (59 in Minnesota) following issuance of the coverage for any reason which is not specifically prohibited by the statute.