S A M P L E D O C U M E N T Allstate Insurance Company Standard

Allstate Insurance Company

Standard

Homeowners

Policy

Policy:

Issued to:

Effective:

Allstate Insurance Company

The Company Named in the Policy Declarations

A Stock Company----Home Office: Northbrook, Illinois 60062

AP1

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Tableof Contents

General

Definitions Used In This Policy..................................2

Insuring Agreement....................................................3

AgreementsWe Make With You...............................4

Conformity To State Statutes....................................4

Coverage Changes......................................................4

Policy Transfer............................................................4

Continued Coverage After Your Death.....................4

Cancellation.................................................................4

ConcealmentOr Fraud ...............................................5

Section I YourProperty

Coverage A

Dwelling Protection

Property We Cover Under Coverage A ....................5

Property We Do Not Cover Under Coverage A.......5

Coverage B

Other Structures Protection

Property We Cover Under Coverage B ....................5

Property We Do Not Cover Under Coverage B.......5

Coverage C

Personal Property Protection

Property We Cover Under Coverage C ....................6

Limitations On Certain PersonalProperty...............6

Property We Do Not Cover Under Coverage C.......6

Losses We CoverUnder Coverages A, B and C.....7

Losses We Do Not Cover Under

Coverages A, B and C.............................................8

Additional Protection

Additional Living Expense..........................................9

Credit Card and Check Forgery...............................10

Debris Removal.........................................................10

Emergency RemovalOf Property...........................10

Fire DepartmentCharges.........................................10

Temporary Repairs After A Loss.............................10

Trees,Shrubs, Plants and Lawns...........................10

Temperature Change................................................11

Arson Reward............................................................11

Land............................................................................11

Section IConditions

Deductible..................................................................11

Insurable Interest and Our Liability.........................11

What You Must Do After A Loss.............................11

Our SettlementOptions............................................12

How We Pay For A Loss...........................................12

Our SettlementOf Loss ............................................14

Appraisal.....................................................................14

Abandoned Property.................................................14

PermissionGranted To You.....................................14

Our Rights To Recover Payment.............................14

Our Rights To Obtain Salvage..................................14

Suit AgainstUs..........................................................15

Loss To A Pair OrSet................................................15

Glass Replacement....................................................15

No Benefit To Bailee..................................................15

Other Insurance.........................................................15

Property Insurance Adjustment..............................15

Mortgagee..................................................................15

Section II Family Liability and

Guest Medical Protection

Coverage X

Family Liability Protection

Losses We CoverUnder Coverage X .....................16

Losses We Do Not Cover UnderCoverage X........16

Coverage Y

Guest Medical Protection

Losses We CoverUnder Coverage Y .....................18

Losses We Do Not Cover UnderCoverage Y........18

Additional Protection

Claim Expenses.........................................................19

Emergency First Aid..................................................20

Damage To Property Of Others ..............................20

Section II Conditions

What You Must Do After An AccidentalLoss........20

What An Injured Person Must Do Coverage Y

Guest Medical Protection.....................................20

Our Payment of Loss Coverage Y

Guest Medical Protection.....................................20

Our Limits Of Liability................................................21

Bankruptcy.................................................................21

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Our Rights To Recover Payment Coverage X

Family Liability Protection....................................21

Suit AgainstUs..........................................................21

Other Insurance Coverage X

Family Liability Protection....................................21

Section III Optional Protection

OptionalCoverages You May Buy

Coverage BC

Building Codes..........................................................21

Coverage DP

Increased Coverage On Electronic

Data Processing Equipment................................21

Coverage F

Fire DepartmentCharges.........................................21

Coverage G

Loss Assessments ...................................................22

Coverage

Extended Coverage On Jewelry,Watches

and Furs.................................................................22

Coverage K

Incidental Office, Private SchoolOr Studio............23

Coverage LR

Lock Replacement....................................................23

Coverage M

Increased Coverage On Money...............................23

Coverage P

Business Pursuits.....................................................23

Coverage S

Increased Coverage On Securities..........................24

Coverage SD

Satellite Dish Antennas.............................................24

Coverage SE

Portable Cellular Communication Systems...........24

Coverage ST

Increased Coverage On Theft Of Silverware..........24

Definitions Used In This Policy

1. "You" or "your" meansthe person named on

the Policy Declarations as the insured and that

person’s resident spouse.

2. "Allstate, " "we," "us," or "our" means the

company namedon the Policy Declarations.

3. "Insuredperson(s) " means you and, if a

resident ofyour household:

a) any relative; and

b) any dependent person in your care.

Under Coverage X Family Liability Protection

and Coverage Y Guest Medical Protection,

"insuredperson" also means:

c) any person or organization legally

responsible for loss caused by animals or

watercraft covered by this policy which are

owned by an insured person. We do not

cover any person or organization using or

having custody of animals or watercraft in

any business, or without permissionof the

owner.

d) with respect to the use of anyvehicle

covered bythis policy, any person while

engaged inthe employmentof an insured

person.

4. "Bodily injury" means physicalharm to the

body, including sickness or disease, and resulting

death,except that bodily injury does notinclude:

a) any venerealdisease;

b) Herpes;

c) Acquired Immune Deficiency Syndrome

(AIDS);

d) AIDS Related Complex (ARC);

e) Human Immunodeficiency Virus (HIV);

or any resulting symptom, effect, condition,

disease or illness related to (a) through (e) listed

above.

Under Coverage Y Guest Medical Protection,

bodily injury means physical harm to the body,

including sickness or disease, exceptthat bodily

injury does not include:

a) any venerealdisease;

b) Herpes;

c) Acquired Immune Deficiency Syndrome

(AIDS);

d) AIDS Related Complex (ARC);

e) Human Immunodeficiency Virus (HIV);

or any resulting symptom, effect, condition,

disease or illness related to (a) through (e) listed

above.

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5. "Building structure" means a structure with

wallsand a roof.

6. "Business" means:

a) any full or part-time activity of anykind

engaged infor economic gainincluding the

use ofany part of any premises for such

purposes. The providingof home day care

services toother than an insuredperson or

relative of an insured person for economic

gain is also a business. However, the mutual

exchange of home day care services is not

considered a business;

b) any property rented or held forrental by an

insured person. Rental of your residence

premises is not considered a business

when:

1) it is rented occasionally for residential

purposes;

2) a portion is rented to notmore than two

roomers or boarders; or

3) a portion is rented as a private garage.

7. "Residence premises" means the dwelling,

other structuresand landlocated atthe address

stated on the Policy Declarations.

8. "Insuredpremises" means:

a) the residencepremises; and

b) under Section II only:

1) the part of any other premises, other

structures and grounds used by you as

a residence. This includes premises,

structures and grounds you acquire for

your use as a private residence while

this policy is in effect;

2) any partof a premises not owned by an

insured person but where an insured

person is temporarily living;

3) cemetery plots or burial vaultsowned

by an insured person;

4) vacant land, other than farmland,

owned by or rented to an insured

person;

5) land owned byor rented to an insured

person where a one, two, three or four

familydwelling is being built as that

person’s residence;

6) any premises used by an insured

person in connection with the

residence premises;

7) any partof a premises occasionally

rented to an insured person for other

than business purposes.

9. "Occurrence" means an accident, including

continuous orrepeated exposure to substantially

the same general harmful conditions, during the

policy period, resulting in bodily injury or

property damage.

10. "Property damage" meansphysical injury to

or destructionof tangible property, including loss

of itsuse resulting from such physical injury or

destruction.

11. "Residence employee" means an employee of

an insured person while performing duties

arising outof and in the course of employment in

connection with the maintenance or use of your

residence premises. This includes similar duties

performed elsewhere for an insured person, not

in connection with the business of an insured

person.

12. "Dwelling" meansa one, two,three or four

familybuilding, identified as the insured property

on the Policy Declarations, whereyou reside and

which is principally used as a private residence.

Insuring Agreement

In reliance on the information you have given us,

Allstate agrees to provide the coverages indicated on

the Policy Declarations. In return, you must pay the

premium when dueand comply with the policy terms

and conditions, and inform us of any change in title,

use oroccupancy of the residence premises.

Subject to the terms of this policy, the Policy

Declarationsshows the location of the residence

premises, applicable coverages,limits of liabilityand

premiums. The policy applies only to losses or

occurrences that take place during the policy period.

The policy period is shown on the Policy Declarations.

This policy is not complete withoutthe Policy

Declarations.

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The terms of this policy impose joint obligations on the

person named on the Policy Declarations as the

insured and on that person’sresident spouse. These

persons are defined as you or your. This means that

the responsibilities, acts and omissions of a person

defined as you or your will bebinding upon any other

person definedas you or your.

The terms of this policy impose joint obligations on

persons defined as an insured person.This means

that the responsibilities, acts and failures to act ofa

person definedas aninsured person willbe binding

upon anotherperson definedas an insured person.

Agreements We Make With You

We make the following agreements with you:

Conformity To State Statutes

When the policy provisions conflict with the statutes of

the state in which the residence premises is located,

the provisions are amended to conform to such

statutes.

Coverage Changes

When Allstate broadens coverage during the

premium period without charge, you have the new

features if you have the coverageto which they apply.

Otherwise, the policy can be changed only by

endorsement.

The coverage provided and the premium for the policy

is based on information you have given us.You agree

to cooperate with us in determining if this information

is correct and complete. You agree that ifthis

information changes, is incorrector incomplete, we

may adjust your coverage and premium accordingly

during the policy period.

Any calculation of yourpremium orchanges in your

coverage will be made using the rules, rates and forms

on file, if required, for our use in your state.The rates

in effect at the beginning of your currentpremium

period will beused to calculate any change in your

premium.

Policy Transfer

You may not transfer this policy to another person

withoutour written consent.

Continued Coverage After Your Death

If you die, coverage will continue until the end ofthe

premium period for:

1) your legalrepresentative while acting as such, but

only with respectto theresidence premises and

property covered under this policy on the date of

your death;

2) an insured person,and any person having

proper temporary custodyof your property until a

legal representative is appointed and qualified.

Cancellation

Your Right to Cancel:

You may cancel this policy by notifying us ofthe future

date you wish to stop coverage.

Our Right to Cancel:

Allstate may cancel this policy by mailing notice to

you at the mailing address shown on thePolicy

Declarations. When this policy has been in effect for

less than 60 days, and it is not a renewal with us, we

may cancel this policy for any reason by giving you at

least 10days notice before the cancellation takes

effect.

When the policy has been in effect for 60 days or

more, orif itis a renewalwith us,we may cancel this

policy for one or more of the following reasons:

1) non-payment of premium;

2) the policy was obtained by misrepresentation,

fraud or concealmentof material facts;

3) materialmisrepresentation, fraud or concealment

of material facts in presenting a claim, or violation

of any of the policy terms;or

4) there has been a substantial change or increase in

hazard in the risk weoriginally accepted.

If the cancellation is for non-payment ofpremium, we

will give you at least 10 days notice. If thecancellation

is for any ofthe other reasons,wewillgive you at least

30 days notice.

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Our mailing the notice of cancellation to you will be

deemed proof ofnotice.Coverage under this policy

will terminate on the effective date and hour stated on

the cancellation notice. Your return premium,if any,

will be calculated on a pro rata basis and refunded at

the time of cancellation or as soon as possible.

However, refund ofunearned premium is not a

condition of cancellation.

Our Right Notto Renew or Continue:

Allstate has the right not to renew or continue the

policy beyondthe currentpremium period. If we do

not intend to continue or renew the policy, we will mail

you notice at least30 days before the end of the

premium period. Our mailing the notice of nonrenewal

to you will be deemed proofof notice.

Concealment Or Fraud

This policy is void if it was obtained by

misrepresentation, fraud or concealment of material

facts. If it is determined that this policy is void, all

premiums paid will be returned to yousince there has

been no coverage under this policy.

We do not cover any loss oroccurrence inwhich any

insured person has concealed or misrepresented any

materialfact orcircumstance.

SectionI YourProperty

Coverage A

Dwelling Protection

Property We Cover Under Coverage A:

1. Your dwelling including attached structures.

Structures connected to your dwelling by only a

fence, utility line, or similarconnection arenot

considered attached structures.

2. Construction materials and supplies atthe

residence premises for use in connection with

your dwelling.

Property We Do Not Cover Under Coverage

1. Any structure including fences or other property

covered underCoverage B Other Structures

Protection.

2. Land, except as specifically provided in Section I

AdditionalProtection under item 10, "Land. "

3. Satellite dish antennas and their systems,

whether or notattached to your dwelling.

Coverage B

Other Structures Protection

Property We Cover Under Coverage B:

1. Structures at the address shown on the Policy

Declarationsseparated from your dwellingby

clear space.

2. Structures attached to yourdwelling by only a

fence, utility line, or similarconnection.

3. Construction materials and supplies atthe

address ofthe residencepremisesfor use in

connection with other structures.

Property We Do Not Cover Under Coverage

1. Structures used in whole or in part for business

purposes.

2. Any structure or other property covered under

Coverage A Dwelling Protection.

3. Land, no matter where located,or the

replacement, rebuilding, restoration, stabilization

or value of any such land.

4. Construction materials and supplies atthe

address ofthe residencepremisesfor use in

connection with the dwelling.

5. Satellite dish antennas and their systems,

whether or notattached to building structures.

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Coverage C

Personal Property Protection

Property We Cover Under Coverage C:

1. Personal property owned or used by an insured

person anywhere in the world.Whenpersonal

property is located ata residence other than the

residence premises, coverage is limited to 10%

of Coverage C Personal Property Protection.

This limitation does not apply to personal

property in a newly acquired principal residence

for the 30 days immediately after you begin to

move property there or to personalproperty in

student dormitory, fraternity or sorority housing.

2. At your option, personal property owned by a

guest or residence employee while the property

is in a residence you areoccupying.

Limitations On Certain Personal Property:

Limitations apply to the following groupsof personal

property.If personalproperty can reasonably be

considered as part of two ormore of the groups listed

below, the lowestlimit will apply. These limitations do

not increase the amount ofinsurance under Coverage

C Personal Property Protection. The total amount

of coverage for each group in any one loss is as

follows:

1. $ 100 Money, bullion, bank notes, coins

and othernumismatic property.

2. $ 500 Accounts, bills, deeds, evidences

of debt, letters of credit, notes

other than bank notes,passports,

securities, tickets, and stamps,

including philatelic property.

3. $ 500 Watercraft, including their attached

or unattached trailers, furnishings,

equipment, parts and motors.

4. $ 500 Trailers not used with watercraft.

5. $ 500 Theft ofjewelry, watches, precious

and semi-precious stones, gold

other than goldware, silver other

than silverware, platinum and furs,

including any item containing fur

which represents its principal

value.

6. $1,000 Theft ofsilverware,pewterware

and goldware.

7. $1,000 Trading cards, subjectto a

maximum amountof $250 per

card.

8. $1,000 Theft offirearms.

9. $1,000 Manuscripts, including documents

stored on electronic media.

10. $ 500 Any motorized land vehicle parts,

equipmentor accessories not

attached to or located in orupon

any motorized land vehicle.

11. $ 3,000 Electronic data processing

equipmentand the recording or

storage media used with that

equipment. Recording orstorage

media will be covered only up to:

a) the retail value of the media,if

pre-programmed; or

b) the retail value of the media in

blank or unexposed form, if

blank or self-programmed.

12. $10,000 Theft ofrugs, including, but not

limited to any handwoven silk or

woolrug, carpet, tapestry, wall-

hanging or other similar article

whose principal valueis

determinedby its color,design,

quality of wool or silk, quality of

weaving, condition or age; subject

to a maximum amount of $2,500

per item.

Property We Do Not Cover Under Coverage

1. Personal property specifically described and

insured by this orany other insurance.

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2. Animals.

3. Motorized land vehicles,including, butnot limited

to any land vehicle poweredor assisted by a

motor or engine. We do not cover any motorized

land vehicle parts, equipment or accessories

attached to or located in orupon any motorized

land vehicle.We do cover motorized land vehicles

designed forassisting the handicapped or used

solely for the service of the insured premises and

not licensed for use on public roads.

4. Aircraft and aircraft parts. This does notinclude

model or hobby craft notdesigned to carry

people or cargo.

5. Property of roomers, boarders, tenants not

related to an insured person.

6. Property located away from the residence

premises and rented or held forrentalto others.

7. Business property whether at oraway from the

residence premises.

8. Property held as samples or for sale or delivery

after a sale.

9. Any device, cellular communication system,radar

signal reception system, accessory or antenna

designed forreproducing, detecting,receiving,

transmitting,recordingor playing back data,

sound orpicture which may be powered by

electricity from a motorized land vehicle or

watercraft and while in or upon a motorized land

vehicle orwatercraft.

10. Satellite dish antennas and their systems.

Losses We Cover Under Coverages A, B

and C:

We willcover sudden and accidentaldirect physical

loss to the property described in Coverage A

Dwelling Protection, Coverage B OtherStructures

Protection and Coverage C Personal Property

Protection except as limited orexcluded in this policy,

caused by:

1. Fire orLightning.

2. Windstorm or Hail.

We do not cover:

a) loss to the interiorof a building structure, or

covered property inside,caused by rain,

snow, sleet, sand or dust unless thewind or

hail firstdamages the roofor walls and the

wind forces rain, snow, sleet, sand or dust

through the damaged roof or wall;

b) loss to watercraft and their trailers,

furnishings, equipmentand motors unless

inside a fully enclosed building structure.

However, wedo cover canoes and rowboats

on the residence premises.

3. Explosion.

4. Riotor Civil Commotion, including pillage and

looting during, and at the site of, the riot or civil

commotion.

5. Aircraft, including self-propelled missiles and

spacecraft.

6. Vehicles.

7. Smoke.

We do not cover loss caused by smoke from the

manufacturingof controlledsubstances,

agricultural smudging or industrial operations.

8. Vandalism and Malicious Mischief.

We do not cover vandalism or malicious mischief

if yourdwelling has been vacant or unoccupied

for more than 30 consecutive days immediately

prior to the vandalism ormalicious mischief. A

dwelling under construction is not considered

vacant or unoccupied.

9. Theft, or attempted theft, including disappearance

of property from a known place when it is likely

that a theft has occurred. Any theft must be

promptly reported to the police.

We do not cover:

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a) theft or attempted theft committed by an

insured person;

b) theft inor from the residence premises

while under construction or ofmaterials and

supplies foruse in construction, untilthe

dwelling is completed and occupied;

c) theft of any property while at any other

residence owned,rented to or occupied by

an insured person unless the insured

person is temporarily residing there;

d) theft of trailers, campers, watercraft,

including furnishings, equipment and

outboard motors, away from the residence

premises;

e) theft from that part ofthe residence

premises rented by you to other than an

insured person.

10. Breakage of glass which is part of the covered

building structure. We pay a maximum of$50

for each occurrence.

We do not cover loss to glass if the covered

building structure has been vacant for more than

30 consecutive days priorto the loss.

Losses We Do Not Cover Under Coverages

A, B and C:

We do not cover loss to the property described in

Coverage A Dwelling Protection, Coverage B

Other Structures Protection and Coverage C

Personal Property Protection caused by orconsisting

of:

1. Flood, including, but notlimited to surface water,

waves, tidal wateror overflow ofany body of

water, orspray from any of these, whether or not

driven by wind.

2. Wateror any other substance that backsup

through sewers or drains.

3. Wateror any other substance that overflow from

a sump pump, sump pump well or other system

designed forthe removal ofsubsurface water

which is drainedfrom a foundation area ofa

structure.

4. Wateror any other substance on or below the

surface of the ground,regardless of its source.

This includes water or any other substance which

exerts pressure on,or flows,seeps orleaks

through any part ofthe residence premises.

We do cover sudden and accidental direct

physical loss caused by fire, explosion ortheft

resulting from items 1 through 4 listed above.

5. Earth movement of any type, including, but not

limited to earthquake, volcanic eruption, lava flow,

landslide, subsidence, mudflow, pressure,

sinkhole, erosion,or the sinking, rising, shifting,

creeping, expanding, bulging, cracking, settling or

contracting of the earth. This exclusion applies

whether or notthe earth movement is combined

with water.

We do cover sudden and accidental direct

physical loss caused by fire, explosion, theft or

breakage ofglass or safety glazing materials

resulting from earth movement.

6. Enforcement of any building codes, ordinances or

laws regulating the construction, reconstruction,

maintenance, repair, placement ordemolition of

any building structure, other structure or land at

the residencepremises.

We do cover sudden and accidental direct

physical loss to covered property caused by

actions ofcivil authority to prevent the spread of

fire.

7. The failure by any insured person to take all

reasonable steps to save and preserve property

when the property is endangered by a cause of

loss we cover.

8. Any substantial change orincrease inhazard, if

changed or increased byany means within the

control orknowledge of an insured person.

9. Intentional or criminalacts of or atthe direction of

any insuredperson, if the loss that occurs:

a) may be reasonably expected to result from

such acts; or

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b) is the intended result of such acts.

This exclusionapplies regardless of whether or

not the insured personis actually charged with or

convicted of a crime.

10. Nuclear action, meaning nuclear reaction,

discharge, radiation orradioactive contamination,

or any consequence ofany of these. Loss caused

by nuclear action is not considered loss byfire,

explosion or smoke.

We do cover sudden and accidental direct

physical loss by fire resulting from nuclear action.

11. Vapors, fumes, acids, toxic chemicals,toxic

gasses, toxic liquids, toxic solids, waste materials

or other irritants, contaminants or pollutants.

12. War or warlike acts, including, but not limited to

insurrection, rebellion orrevolution.

13. Weather Conditions thatcontribute in any way

with a cause of loss excluded in this section to

produce a loss.

14. Planning, Construction orMaintenance, meaning

faulty, inadequate or defective:

a) planning, zoning, development, surveying,

siting;

b) design, specifications, workmanship, repair,

construction, renovation, remodeling,

grading, compaction;

c) materials used in repair,construction,

renovation or remodeling; or

d) maintenance;

of property whether on or off the residence

premises by any person ororganization.

15. We do not cover loss to covered property

described in Coverage A Dwelling Protection,

Coverage B Other Structures Protection or

Coverage C PersonalProperty Protection

when:

a) there are two or more causes of loss to the

covered property; and

b) the predominant cause(s) of loss is (are)

excluded under Losses We Do Not Cover,

items 1 through 14 above.

AdditionalProtection

1. Additional Living Expense

a) We willpay the reasonable increase in living

expenses necessary to maintain your normal

standard ofliving when a direct physicalloss

we cover makes your residence premises

uninhabitable.

Payment for covered additional living

expense will belimited to the least ofthe

following:

1) the time period required to repair or

replace the property we cover, using

due diligence and dispatch; or

2) if you permanently relocate, the

shortest time for your household to

settle elsewhere;

3) 12 months.

b) We willpay yourlost fair rental income

resulting from a covered loss, less charges

and expenses which do not continue,when

a loss wecover makes the part of the

residence premises you rent to others, or

hold forrental, uninhabitable.We will pay for

lost fair rental income for the shortesttime

required to repair orreplace the part rented

or held for rentalbut notto exceed 12

months.

c) We willpay the reasonable andnecessary

increase inliving expensesand the lost fair

rental income for up to two weeks should

civilauthorities prohibit the use of the

residence premises due to a loss ata

neighboring premises caused by a peril we

insure against.

These periods of time are not limited by the

terminationof this policy.

We do not cover any lost income orexpense due

to the cancellation ofa lease or agreement.

No deductible applies to this protection.

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2. Credit Card and Check Forgery

We willpay for loss:

a) that an insured person is legally required to

pay for the unauthorized use of any credit

card issued to orregistered in the name of

an insured person;

b) caused by forgery oralteration ofa checkor

negotiable instrument made or drawn upon

an insured person’s account.

Our maximum limit of liability for any one loss is

$1,000.All loss due to forgery or unauthorized

use byor involvingany one person is considered

one loss.

We do not cover:

a) loss arising from any business of an insured

person;

b) loss caused by or at thedirection of an

insured person or any other person who

has been entrusted with any credit card;

c) loss arising out of dishonesty ofan insured

person.

When loss is discovered, the insured person

must give us immediate written notice. Ifthe loss

involves a credit card or charge plate the insured

person must also give immediate written notice

to the company or bankthat issued the card or

plate. Failure to comply withthe terms and

conditions of the card or plate voids this

protection.

We willpay only for loss occurring during the

policy period, including those losses discovered

and reported to us within one year after the policy

has terminated. We have the right to investigate

and settle any claim or suit as we deem

appropriate. Full payment of the amount of

insurance for any one loss ends our obligation

under each claim or suit arising from the loss.

We willdefend anysuit brought against an

insured person for the enforcementof payment

covered underparagraph 2(a)of this protection.

The defense will be at our expense, with counsel

of our choice.

We have the option to defend an insured person

or the insured person’s bank against a suit for

the enforcement ofpayment covered under

paragraph 2(b) of this protection. The defense will

be atour expense, with counsel of our choice.

No deductible applies to this protection.

3. Debris Removal

We willpay reasonable expenses you incur to

remove debris ofcovered propertydamaged by a

loss we cover. Ifthe loss to the covered property

and the cost of debris removal are more than the

limit of liability shown on the Policy Declarations

for the covered property, we will pay up to an

additional 5% ofthat limit fordebris removal.

4. Emergency Removal Of Property

We willpay for sudden and accidental direct

physical loss to covered property from anycause

while removed from a premises because of

danger from a loss we cover. Protection is limited

to a 30-day period from date ofremoval. This

protection does not increase the limit ofliability

that applies to the covered property.

5. Fire DepartmentCharges

We willpay upto $250 forservice charges made

by fire departments called to protect your

property from a loss we cover at the residence

premises. No deductible applies to this

protection.

6. Temporary Repairs After A Loss

We willreimburse you up to $5,000 for the

reasonable and necessary cost you incurfor

temporary repairs to protect covered property

from further imminent covered loss following a

loss we cover. This coverage does not increase

the limit ofliability applying to the property being

repaired.

7. Trees, Shrubs, Plants and Lawns

We willpay upto an additional 5% of the limit of

liability shown on the Policy Declarations under

the Coverage A Dwelling Protection for loss

to trees,shrubs, plants and lawns atthe address

of the residence premises. We will not pay more

Page 11

than $250 for anyone tree, shrub, orplant

including expensesincurred for removing debris.

This coverage applies only to direct physical loss

caused by fire orlightning, explosion, riot orcivil

commotion, aircraft, vehicles notowned by an

occupant of the residence premises, vandalism

or malicious mischief or theft.

We do not cover trees, shrubs, plants,orlawns

grownfor business purposes.

8. Temperature Change

We willpay for loss to covered personal property

in a building structure at the residence premises

resulting from a change in temperature. The

change intemperaturemust result from a

covered loss to the building structure.

This coverage does not increase the limit of

liability applying to the damaged property.

9. Arson Reward

We willpay upto $5,000 for information leading

to an arson convictionin connection with a fire

loss to property covered under Section I of this

policy. The $5,000 limit applies regardless ofthe

number of persons providing information.

10. Land

If a sudden and accidental direct physical loss

results in both a covered loss to the dwelling,

other than the breakageof glass or safety glazing

material, and a loss of land stability,we willpay

up to $10,000 as an additional amount of

insurance for repair costs associated with the

land.This includes the costs required to replace,

rebuild, stabilize orotherwise restore the land

necessary to support thatpart of the dwelling

sustaining the covered loss.

The Section I Losses We Do Not Cover Under

Coverages A,B and C reference to earth

movement does not apply to the loss of land

stability providedunder this Additional Protection.

SectionI Conditions

1. Deductible

We willpay only when a covered loss exceeds the

deductible shown onthe Policy Declarations. We

will then pay only the excess amount, unless we

have indicated otherwise in this policy.

2. Insurable Interestand Our Liability

In the event of a covered loss, we willnot pay for

more than an insured person’s insurable interest

in the property covered, nor more than the

amountof coverageafforded by this policy.

3. WhatYou Must Do After A Loss

In the event of a loss to any property that may be

covered bythis policy, you must:

a) promptly give us or our agent notice. Report

any theftto thepolice as soon as possible. If

the loss involves a credit card or charge plate

give written notice to thecompanyor bank

that issued the card or plate.

b) protect the property from further loss. Make

any reasonable repairs necessary to protect

it. Keep an accurate record of any repair

expenses.

c) separate damaged from undamaged

personal property. Give us a detailed list of

the damaged,destroyed or stolen property,

showing the quantity, cost, actualcash value

and the amount of loss claimed.

d) give us all accounting records,bills, invoices

and othervouchers, or certified copies,

which we may reasonably request to

examine and permit us to make copies.

e) produce receipts forany increased costs to

maintain your standard of living while you

reside elsewhere, and recordssupporting

any claim forloss of rental income.

f) as often as we reasonably require:

1) show us the damaged property.

2) at ourrequest, submit to examinations

under oath, separately and apart from

any other person defined as you or

insured person and sign a transcriptof

the same.

3) produce representatives,employees,

members of the insured’s household or

Page 12

others to the extentit is within the

insured person’s power to do so; and

g) within 60 days after the loss, give us a

signed, sworn proof ofthe loss.This

statement mustinclude thefollowing

information:

1) the date, time, location and cause of

loss;

2) the interestinsured persons and others

have in the property, including any

encumbrances;

3) the actual cash value and amount of

loss for each item damaged, destroyed

or stolen;

4) any other insurance that may cover the

loss;

5) any changes in title, use, occupancy or

possession ofthe property that have

occurred during the policy period;

6) at ourrequest, the specifications of any

damagedbuilding structure orother

structure;

7) evidence supporting any claim under

the Credit Card or Check Forgery

protection. State the cause and amount

of loss.

4. Our Settlement Options

In the event of a covered loss, we have theoption

to:

a) repair, rebuild or replace allor any part ofthe

damaged, destroyed or stolen property with

property of like kind and quality within a

reasonable time; or

b) pay for all or any part of the damaged,

destroyed orstolen property as described in

Condition 5. "How We Pay For A Loss. "

Within 30 days after we receive your signed,

sworn proof of loss we will notify you ofthe

option or options we intend to exercise.

5. How We Pay For A Loss

Under Coverage A DwellingProtection,

Coverage B Other Structures Protection and

Coverage C PersonalProperty Protection,

paymentfor covered loss will be by one or more

of the following methods.

a) Special Payment. At our option, we may

make payment for a covered loss before you

repair, rebuild or replace the damaged,

destroyed orstolen property if:

1) the whole amount ofloss forproperty

covered underCoverage A

Dwelling Protection and Coverage B

Other Structures Protection, without

deduction for depreciation, is less than

$2,500 and if the property is not

excluded from the Building Structure

Reimbursementprovision, or;

2) the whole amount ofloss forproperty

covered underCoverage C

Personal Property Protection, without

deduction for depreciation, is less than

$2,500 and if your Policy Declarations

shows that the Personal Property

Reimbursementprovision applies,and

the property is notexcluded from the

Personal Property Reimbursement

provision.

b) Actual Cash Value.If youdo not repair or

replace the damaged, destroyed or stolen

property,payment will be onan actual cash

value basis. This means there may be a

deduction for depreciation. Paymentwillnot

exceed the limit of liability shown on the

Policy Declarations for the coverage that

applies to the damaged,destroyed or stolen

property,regardless of the number of items

involved in the loss.

You may make claim foradditional payment

as described in paragraph "c, " and

paragraph "d" below, ifapplicable,if you

repair or replace the damaged, destroyed or

stolen covered property within 180 days of

the actual cash value payment.

c) Building Structure Reimbursement.

Under Coverage A DwellingProtection

and Coverage B Other Structures

Protection, we will make additional payment

to reimburse you for cost in excess of actual

cash value if you repair,rebuild orreplace

damaged, destroyed or stolen covered

Page 13

property within 180days ofthe actual cash

value payment. This additional payment

includes thereasonable and necessary

expense fortreatment or removaland

disposal of contaminants, toxins or

pollutants as required tocomplete repair or

replacementof thatpart of a building

structure damaged by a covered loss.

Building Structure Reimbursement will not

exceed the smallestof the following

amounts:

1) the replacement cost of the part(s) of

the building structure(s) with

equivalent construction for similar use

on the same premises;

2) the amount actually and necessarily

spent to repair or replace the damaged

building structure(s) with equivalent

construction for similar use on the

same residence premises; or

3) the limit ofliability applicable to the

building structure(s) as shown on the

Policy Declarations for Coverage A

Dwelling Protection or Coverage B

Other Structures Protection, regardless

of the numberof building structures

and structures other than building

structures involvedin the loss.

If you replace the damagedbuilding

structure(s) atan address other than shown

on the Policy Declarations through

construction of a new structureor purchase

of an existing structure,such replacement

will not increase the amount payable under

Building Structure Reimbursement

described above. The amount payable under

Building Structure Reimbursement

described above does not include thevalue

of any land associated with the replacement

structure(s).

Building Structure Reimbursement payment

will be limited tothe difference between any

actual cash value payment made for the

covered loss to building structures and the

smallest of 1), 2) or 3) above.

Building Structure Reimbursement will not

apply to:

1) property covered under Coverage C

Personal Property Protection;

2) property covered under Coverage B

Other Structures Protection that is not

a building structure;

3) land.

Payment under "a," "b, " or "c" above will not

include any increased cost due to the

enforcementof building codes, ordinances

or laws regulating the construction,

reconstruction, maintenance, repair,

relocation or demolition ofbuilding

structures orother structures.

d) Personal Property Reimbursement. When

the Policy Declarations show that the

Personal Property Reimbursement provision

applies underCoverage C Personal

Property Protection, we willmake additional

paymentto reimburse you for costin excess

of actualcash value if you repair, rebuild or

replace damaged, destroyed or stolen

covered personal property orwall-to-wall

carpeting within 180 days of the actual cash

value payment.

Personal Property Reimbursement payment

will not exceed the smallest ofthe following

amounts:

1) the amount actually and necessarily

spent to repair or replace the property

with similar property of like kind and

quality;

2) the cost of repair or restoration; or

3) the limit ofliability shown on the Policy

Declarationsfor Coverage C

Personal Property Protection, orany

special limit of liability described in the

policy, regardless ofthe number of

items of personal property involved in

the loss.

Personal Property Reimbursement will be

limited to the difference between any actual

cash value paymentmade for the covered

Page 14

loss to personal property and the smallestof

1), 2), or 3) above.

Personal Property Reimbursement will not

apply to:

1) property insured under Coverage A

Dwelling Protection and Coverage

B OtherStructures Protection,

except wall-to-wallcarpeting;

2) antiques,fine arts, paintings, statuary

and similar articleswhich, by their

inherent nature, cannot be replaced;

3) articles whose age or history contribute

substantially to their value. This

includes but is notlimited to

memorabilia, souvenirs and collector’s

items; or

4) property that was obsolete orunusable

for the originally intended purpose

because of age or condition priorto the

loss.

6. Our Settlement Of Loss

We willsettle any covered loss with you unless

another payee is named in the policy. We will

settle within 60 days after the amount ofloss is

finally determined. This amount may be

determinedby an agreement between you and

us, an appraisal award or a court judgment.

7. Appraisal

If you and we fail to agree on the amountof loss,

either party may make written demand foran

appraisal. Upon such demand, each partymust

select a competent and impartial appraiser and

notify the other ofthe appraiser’s identity within

20 days after the demandis received. The

appraisers will selecta competent and impartial

umpire. If the appraisers are unable to agree upon

an umpire within 15 days,you or we can ask a

judge ofa court of record in the state where the

residence premises is located to select an

umpire.

The appraisers shall then determine the amount

of loss, stating separately the actual cash value

and the amount of loss to each item. Ifthe

appraisers submit a written report ofan

agreementto you and to us, the amount agreed

upon shall be the amountof loss. If they cannot

agree,they will submit theirdifferences to the

umpire. A written award agreed upon by any two

will determine the amount ofloss.

Each party will pay the appraiser it chooses,and

equally bearexpenses for the umpire and all other

appraisalexpenses.

8. Abandoned Property

We are not obligated to accept any property or

responsibility for any property abandoned by an

insured person.

9. Permission Granted To You

a) The residence premises may be vacant or

unoccupied for any lengthof time, except

where a time limit is indicated inthis policy

for specific perils. A building structure under

construction is not considered vacant.

b) You may make alterations, additions or

repairs, and you may complete structures

under construction.

10. Our Rights To Recover Payment

When we pay for any loss, an insured person’s

right to recover from anyone else becomes ours

up to the amount we have paid. An insured

person must protect these rights and help us

enforce them. You may waive yourrights to

recover againstanother person for loss involving

the property covered by this policy. This waiver

must be in writing prior to the date of loss.

11. Our Rights To Obtain Salvage

We have the option to take all or anypart of the

damagedor destroyed covered property upon

replacementby us or payment ofthe agreed or

appraised value.

WeWe willnotify youyou of ourour intent to exercise this

option within 30 days after wewe receive youryour

signed sworn, proof ofloss.

When we settle any loss caused by theft or

disappearance, we have the right to obtain all or

part ofany property which may be recovered. An

insured person must protect this right and

Page 15

inform us of any property recovered.We will

inform you of our intent to exercise this right

within 10 days of your notice ofrecovery to us.

12. Suit Against Us

No suit or action may be brought againstus

unless there has been full compliance with all

policy terms. Any suitor action mustbe brought

within one yearafter the inception of loss or

damage.

13. Loss To A PairOr Set

If there is a covered loss to a pair or set,we may:

a) repair or replace any part ofthe pairorset to

restore itto its actual cash value before the

loss; or

b) pay the difference between the actual cash

value ofthe pair or set before and after the

loss.

14. Glass Replacement

Payment for loss to covered glass includes the

cost ofusing safety glazing materials when

required by law.

15. No Benefit To Bailee

This insurance willnot benefit any person or

organization who may be caring for or handling

your property for a fee.

16. Other Insurance

If both this insurance and other insurance apply

to a loss, we will pay the proportionate amount

that this insurance bearsto the total amount ofall

applicable insurance. However,in the event of a

loss by theft, this insurance shall beexcess over

any other insurance that covers loss by theft.

17. Property Insurance Adjustment

When the Policy Declarations indicates that the

Property Insurance Adjustment condition applies:

The limit ofliability shown on the Policy

Declarationsfor Coverage A Dwelling

Protection will be revised ateach policy

anniversary to reflect the rate ofchange in the

Index identified on the Policy Declarations.

The limit ofliability for Coverage A Dwelling

Protection forthe succeeding premium period

will be determined by changing the existing limit

in proportionto the change in the Index between

the time the existing limit was established and the

time the change is made. The resultingamount

will be roundedto the nearest $1,000.

Adjustment in the limit of liability forCoverage A

Dwelling Protection will result in an

adjustmentin the limit of liability for Coverage B

Other Structures Protection and Coverage C

Personal Property Protection in accordance

with the Allstate manual of Rules and Rates.

We willnot reduce the limit of liability shown on

the Policy Declarations without your consent.

Any adjustment in premium resulting from the

application ofthis condition will be made based

on premium rates in use by Allstate atthe time a

change inlimits is made.

Allstate has the right to change to anothercost

index or to withdraw this condition as ofa policy

anniversary date by giving you at least 30 days

notice. This applies only if the change or

withdrawal applies to allsimilar policies issuedby

Allstate in your state.

18. Mortgagee

A covered loss willbepayable to the mortgagees

named on the Policy Declarations, to the extent of

their interestand in the order of precedence. All

provisions ofSection I of this policy apply to

these mortgagees.

We will:

a) protect the mortgagee’s interestin a covered

building structure in the event ofan increase

in hazard, intentional or criminal acts of, or

directed by, an insured person, failure by

any insuredperson to take all reasonable

steps to save and preserve property after a

loss, a change in ownership,or foreclosure if

the mortgagee has no knowledge ofthese

conditions; and

b) give the mortgagee at least 10 days notice if

we cancel this policy.

Page 16

The mortgagee will:

a) furnish proofof loss within 60 days after

notice ofthe lossif an insured person fails

to do so;

b) pay upon demand any premium due ifan

insured person fails to do so;

c) notify us in writing ofany change of

ownership or occupancy or anyincrease in

hazard of which the mortgagee has

knowledge;

d) give us the mortgagee’s right ofrecovery

against any party liable for loss;and

e) after a loss, and atour option, permit us to

satisfy themortgage requirementsand

receive full transfer of the mortgage.

This mortgagee interest provision shallapply to

any trustee or loss payee or other secured party.

SectionII FamilyLiabilityand

GuestMedicalProtection

Coverage X

Family Liability Protection

Losses We Cover Under Coverage X:

Subject to the terms, conditions and limitations of this

policy, Allstate will pay damages which an insured

person becomes legally obligated to pay because of

bodily injury or property damage arising from an

occurrence to which this policy applies,and covered

by this part ofthe policy.

We may investigate or settle anyclaim or suitfor

covered damages against an insured person. If an

insured person is sued for these damages, we will

provide a defense with counsel of our choice,even if

the allegations are groundless, false or fraudulent. We

are not obligated to pay any claim or judgment after

we have exhausted our limit of liability.

Losses We Do Not Cover Under Coverage

1. We do not cover any bodily injury or property

damage intended by, orwhichmay reasonably

be expected to result from the intentional or

criminal acts oromissions of, any insured

person. This exclusion applies even if:

a) such insured person lacks the mental

capacity to govern his or her own conduct;

b) such bodily injury or property damage is of

a different kind or degree than intended or

reasonably expected; or

c) such bodily injury or property damage is

sustained by a differentperson than

intended or reasonably expected.

This exclusionapplies regardless of whether or

not such insured person is actually charged with,

or convicted of a crime.

2. We do not cover bodily injury toan insured

person or property damage to property owned

by an insured person whenever any benefitof

this coverage would accrue directly or indirectly

to an insured person.

3. We do not cover bodily injury toany person

eligible to receive benefits required to be provided

or voluntarily provided by an insuredperson

under anyworkers’ compensation, non-

occupational disability or occupational disease

law.

4. We do not cover bodily injury or property

damage arising out of the ownership,

maintenance, use, occupancy, renting, loaning,

entrusting, loading or unloading of aircraft.

5. We do not cover bodily injury or property

damage arising out of the ownership,

maintenance, use, occupancy, renting, loaning,

entrusting, loading or unloading of any motor

vehicle ortrailer.However, this exclusiondoes

not apply to:

a) a motor vehicle in dead storage or used

exclusively onan insured premises;

b) any motor vehicle designed principally for

recreational use off publicroads, unless that

vehicle is owned by an insured person and

is being used away from an insured

premises;

c) a motorized wheel chair;

Page 17

d) a vehicle used to service an insured

premises which is not designed for use on

public roads and not subject to motor

vehicle registration;

e) a golfcart owned by an insured person

when used forgolfing purposes;

f) a trailer of theboat, camper, home orutility

type unlessit is being towed orcarried by a

motorized land vehicle;

g) lawn and gardenimplements under40

horsepower;

h) bodily injury to a residence employee.

6. We do not cover bodily injury or property

damage arising out of the ownership,

maintenance, use, occupancy, renting, loaning,

entrusting, loading or unloading of watercraft

away from an insured premises if the watercraft:

a) has inboard or inboard-outboard motor

power of more than 50 horsepower;

b) is a sailing vessel26 feetor more in length;

c) is powered by one ormoreoutboard motors

with more than 25 total horsepower;

d) is designated as an airboat, air cushion, or

similar type ofwatercraft;or

e) is a personal watercraft, meaning a craft

propelled by a water jet pump engine and

designed to be operated by a person or

persons sitting, standing or kneeling on the

craft.

This exclusiondoes not apply to bodily injuryto

a residenceemployee.

7. We do not cover bodily injury or property

damage arising out of:

a) the negligent supervision by an insured

person ofany person; or

b) any liability statutorily imposed on any

insured person

arising from the ownership, maintenance,

use,occupancy,renting, loaning, entrusting,

loading or unloading ofany aircraft,

watercraft, motor vehicle or trailer which is

not covered under Section II ofthis policy.

8. We do not cover any bodily injury which results

in any mannerfrom the discharge, dispersal,

release orescape ofvapors, fumes, acids,toxic

chemicals, toxic gasses,toxic liquids,toxic solids,

waste materials or other irritants,contaminantsor

pollutants.

We do cover bodily injurywhich results from

such discharge if thedischarge is sudden and

accidental.

9. We do not cover any property damage

consisting of or caused by vapors, fumes, acids,

toxic chemicals,toxic gasses, toxic liquids,toxic

solids, waste materials or other irritants,

contaminants or pollutants.

10. We do not cover any bodily injury or property

damage arising out of any liability statutorily

imposed upon any insured personin any

manner, consisting of or caused by vapors,

fumes, acids,toxic chemicals, toxic gasses, toxic

liquids,toxic solids, waste materials orother

irritants,contaminants or pollutants.

11. We do not cover bodily injury or property

damage arising out of the rendering of, or failure

to render, professional services by an insured

person.

12. We do not cover bodily injury or property

damage arising out of the past or present

business activities of an insured person.

We do cover the occasional or part-time

business activities of an insured personwho is a

student under21 years of age.

13. We do not cover bodily injury or property

damage arising out of any premises,other than

an insured premises, owned, rented or

controlled byan insured person. This exclusion

does not apply to bodily injury to a residence

employee.

14. We do not cover property damage to property

rented to, occupied or used by,or in the care of,

an insured person.This exclusion does not apply

Page 18

if the property damage is caused by fire,

explosion or smoke.

15. We do not cover any liability an insured person

assumes arising out of any contract or

agreement.

16. We do not cover bodily injury or property

damage caused by war orwarlike acts,including,

but notlimitedto insurrection, rebellion or

revolution.

Coverage Y

Guest Medical Protection

Losses We Cover Under Coverage Y:

Allstate willpay the reasonable expenses incurredfor

necessary medical, surgical, x-ray and dental services;

ambulance, hospital, licensed nursing and funeral

services; and prosthetic devices, eye glasses, hearing

aids, and pharmaceuticals. These expenses mustbe

incurred and the services performed within three years

from the date of an occurrence causing bodily injury

to which this policy applies,and is covered by this part

of the policy.

Each person who sustains bodily injury is entitled to

this protection when that person is:

1. on the insured premises with the permission of

an insured person;or

2. off the insured premises,if the bodily injury:

a) arises out of a condition onthe insured

premises or immediately adjoining ways;

b) is caused by the activities ofan insured

person or a residence employee;

c) is caused by an animalowned by or in the

care of an insuredperson; or

d) is sustained by a residence employee.

Losses We Do Not Cover Under Coverage

1. We do not cover any bodily injury intended by,

or which may reasonably be expected to result

from the intentional or criminal actsor omissions

of, any insured person. This exclusion applies

even if:

a) such insured person lacks the mental

capacity to govern his or her own conduct;

b) such bodily injury is of a different kind or

degree than intended or reasonably

expected; or

c) such bodily injury is sustained by a different

person than intended or reasonably

expected.

This exclusionapplies regardless of whether or

not such insured person is actually charged with,

or convicted of a crime.

2. We do not cover bodily injury toany insured

person or regular residentof the insured

premises. However, this exclusion does not

apply to a residence employee.

3. We do not cover bodily injury toany person

eligible to receive anybenefits voluntarily

provided, or required to be provided, under any

workers’ compensation, non-occupational

disability or occupational disease law.

4. We do not cover bodily injury arising out ofthe

ownership, maintenance, use, occupancy,

renting, loaning, entrusting,loading or unloading

of aircraft.

5. We do not cover bodily injury arising out ofthe

ownership, maintenance, use, occupancy,

renting, loaning, entrusting,loading or unloading

of any motorvehicle ortrailer.However, this

exclusion does not apply to:

a) a motor vehicle in dead storage or used

exclusively onan insured premises;

b) any motor vehicle designed principally for

recreational use off publicroads, unless that

vehicle is owned by an insured person and

is being used away from an insured

premises;

c) a motorized wheel chair;

d) a vehicle used to service an insured

premises which is not designed for use on

public roads and not subject to motor

vehicle registration;

Page 19

e) a golfcart owned by an insured person

when used forgolfing purposes;

f) a trailer of theboat, camper, home orutility

type unlessit is being towed orcarried by a

motorized land vehicle;

g) lawn or garden implements under 40

horsepower;

h) bodily injury to a residence employee.

6. We do not cover bodily injury arising out ofthe

ownership, maintenance, use, occupancy,

renting, loaning, entrusting,loading or unloading

of watercraft away from an insured premises if

the watercraft:

a) has inboard or inboard-outboard motor

power of more than 50 horsepower;

b) is a sailing vessel26 feetor more in length;

c) is powered by one ormoreoutboard motors

with more than 25 total horsepower;

d) is designated as an airboat, air cushion, or

similar type ofwatercraft;or

e) is a personal watercraft, meaning a craft

propelled by a water jet pump engine and

designed to be operated by a person or

persons sitting, standing or kneeling on the

craft.

This exclusiondoes not apply to bodily injuryto

a residenceemployee.

7. We do not cover bodily injury arising out of:

a) the negligent supervision by any insured

person ofany person; or

b) any liability statutorily imposed on any

insured person

arising from the ownership, maintenance,use,

occupancy, renting, loaning, entrusting, loading

or unloading of any aircraft, watercraft,motorized

land vehicle or trailer which is not covered under

Section II of this policy.

8. We do not cover any bodily injury which results

in any mannerfrom the discharge, dispersal,

release orescape ofvapors, fumes, acids,toxic

chemicals, toxic gasses,toxic liquids,toxic solids,

waste materials or other irritants,contaminantsor

pollutants.

We do cover bodily injurywhich results from

such discharge if thedischarge is sudden and

accidental.

9. We do not cover bodily injury arising out ofthe

rendering of, or failure to render professional

services by, an insured person.

10. We do not cover bodily injury arising out ofthe

past or present business activities ofan insured

person.

We do cover the occasional or part-time

business activities of an insured personwho is a

student under21 years of age.

11. We do not cover bodily injury toany person on

the insured premisesbecause ofa business

activity orprofessional service conducted there.

12. We do not cover bodily injury arising out ofany

premises, other than an insured premises,

owned, rented or controlled by an insured

person. This exclusion does notapply to bodily

injury to a residence employee.

13. We do not cover bodily injury caused by war or

warlike acts, including, but notlimited to

insurrection, rebellion, or revolution.

AdditionalProtection

We willpay,in addition to the limits of liability:

1. Claim Expenses

We willpay:

a) all costs we incur in the settlement ofany

claim or the defense of any suit against an

insured person;

b) interest accruing on damages awarded until

such time as we have paid,formally offered,

or deposited in courtthe amount forwhich

we are liable under this policy;interest willbe

paid only on damages which do not exceed

our limits of liability;

c) premiums on bonds required in any suit we

defend; wewillnot pay bond premiums in

an amount that is more than our limit of

Page 20

liability; we have no obligation toapply for or

furnish bonds;

d) up to $100 per day for loss of wages and

salary, when we ask you to attend trials and

hearings;

e) any other reasonable expenses incurred by

an insured person at our request.

2. Emergency First Aid

We willpay reasonable expenses incurred by an

insured person for first aid toother persons at

the time of an accidentinvolving bodily injury

covered underthis policy.

3. Damage ToProperty Of Others

At your request, we will pay up to $250 each time

an insured person causes property damage to

someoneelse’s property. At our option,we will

pay the cost to either repair or replace the

property damaged by an insured person, without

deduction for depreciation.

We willnot pay for property damage:

a) to propertycovered underSection I of this

policy;

b) to propertyintentionally damaged by an

insured person whohas attained the age of

13;

c) to propertyowned by or rented toan

insured person, any tenant of an insured

person, or any resident in your household;

d) arising outof:

1) past or present business activities;

2) any act or omission in connection with

a premises, other than an insured

premises, owned, rented or controlled

by an insured person; or

3) the ownership or use of a motorized

land vehicle,trailer, aircraft or

watercraft.

SectionIIConditions

1. WhatYou Must Do After An AccidentalLoss

In the event of bodily injury or property damage,

you must do the following:

a) Promptly notify us or our agent stating:

1) your name and policy number;

2) the date, theplace and the

circumstances of the loss;

3) the name and address of anyone who

mighthave a claim against an insured

person;

4) the names and addresses ofany

witnesses.

b) Promptly send us any legal papers relating

to the accident.

c) At our request, an insured person will:

1) cooperate with us and assistus in any

matterconcerning a claim or suit;

2) help us enforce any right ofrecovery

against any person or organization who

may be liable to an insured person;

3) attend any hearing or trial.

d) Under the Damage To Property Of Others

protection, give us a sworn statement of the

loss. This must bemade within 60 days after

the date of loss. Also, an insured person

must be prepared to showus any damaged

property underthat person’s control.

Any insured person will notvoluntarily pay any

money, assume anyobligations or incur any

expense, other than for first aid to others atthe

time of the loss as provided forin this policy.

2. WhatAn Injured Person Must Do Coverage Y

Guest Medical Protection

If someone is injured,that person, orsomeone

acting for that person, must do the following:

a) Promptly give us written proof ofthe loss.If

we request,this must be done under oath.

b) Give us written authorization to obtain copies

of all medical records and reports.

c) Permit doctors we selectto examine the

injured person as often as we may

reasonably require.

3. Our PaymentOf Loss Coverage Y Guest

MedicalProtection

We may pay the injured person or theprovider of

the medical services. Payment under this

coverage is not an admission of liability by us or

an insured person.

Page 21

4. Our Limits Of Liability

Regardless of the number of insured persons,

injured persons, claims, claimantsor policies

involved, our total liability under Coverage X

Family Liability Protection for damages resulting

from one occurrence will not exceedthe limit

shown on the Policy Declarations. All bodily

injury and property damage resultingfrom

continuous orrepeated exposure to the same

general conditions is considered the resultof one

occurrence.

Our total liability under Coverage Y Guest

MedicalProtection for all medical expenses

payable for bodily injury, to any one person, shall

not exceed the "each person" limit shown on the

Policy Declarations.

5. Bankruptcy

We are not relieved ofany obligation under this

policy because of the bankruptcy or insolvency of

an insured person.

6. Our Rights To Recover Payment Coverage X

Family Liability Protection

When we pay any loss, an insuredperson’s right

to recoverfrom anyone else becomes ours up to

the amount we have paid. An insured person

must protect these rights andhelp us enforce

them.

7. Suit Against Us

a) No suit or action canbe broughtagainst us

unless there has been full compliance with

all theterms of this policy.

b) No suit or action canbe broughtagainst us

under Coverage X Family Liability

Protection until the obligation of an insured

person to pay is finally determined either by

judgment against the insured person after

actual trial, orby written agreement ofthe

insured person, injured person, and us.

c) No one shall have any right to make us a

party to a suit to determine the liability ofan

insured person.

8. Other Insurance Coverage X Family

Liability Protection

This insurance is excess over any other validand

collectible insurance except insurance that is

written specifically as excess over the limits of

liability that apply to this policy.

SectionIII OptionalProtection

Optional Coverages You May Buy

The following Optional Coverages may supplement

coverages found in Section I or Section IIand apply

only when they are indicated on thePolicy

Declarations. The provisions ofthis policy apply to

each OptionalCoverage in this section unless modified

by the terms and conditions of the specific Optional

Coverage.

1. Coverage BC

Building Codes

We willpay upto 10% ofthe amount of

insurance onthe Policy Declarations under

Coverage A Dwelling Protection to comply

with local building codes after covered loss to

dwelling or when repair or replacement results in

increased cost due to the enforcement ofany

building codes, ordinances or laws regulating the

construction, reconstruction, maintenance, repair

or demolition of the dwelling.

2. Coverage DP

Increased Coverage On Electronic Data

Processing Equipment

The $3,000 limitation on electronic data

processing equipment under Coverage C

Personal Property Protection, and the recording

or storage media used with that equipment, is

increased to the amount shown on the Policy

Declarations.

3. Coverage F

Fire DepartmentCharges

The $250 limit applying to the fire department

service charges under AdditionalProtection is

increased to the amount shown on the Policy

Declarations.

Page 22

4. Coverage G

Loss Assessments

If your residence premises includes a building

structure which is constructed in common with

one or more similar buildings, and youare a

member of, and subject to the rules of, an

association governing the areas held in common

by all building owners as members of the

association, the insured premisesmeans the

building structure occupied exclusively by your

household as a private residence,including the

grounds,related structures and private

approaches to them.

We willpay yourshare of any special

assessments charged againstall building owners

by the association up to the limit of liability shown

on the Policy Declarations, when the assessment

is made as a resultof:

a) sudden and accidentaldirect physical lossto

the property held in common by all building

ownerscaused by a loss we cover under

Section Iof this policy; or

b) bodily injury or property damage covered

under Section II of this policy.

Any reductionor elimination ofpayments for

losses because of any deductible applying to the

insurance coverage of the association ofbuilding

ownerscollectively is not covered under this

protection.

Allstate willpay only when the assessment levied

against the insured person, as a result of any one

loss, for bodily injury or property damage

exceeds $250and then only for the amount of

such excess. This coverage is not subject to any

deductible applying to Section I of this policy.

In the event of an assessment, this coverage is

subject toall the exclusions applicable to

Sections I and II of this policy and the Sections I

and II Conditions, except as otherwise noted.

This coverage is excess over any insurance

collectible under any policy or policies covering

the association of buildingowners.

5. Coverage J

Extended CoverageOn Jewelry, Watches and

Furs

Coverage C PersonalProperty Protectionis

extended to pay for sudden and accidental direct

physical damage to the following property,

subject tothe provisions in this coverage:

a) jewelry, watches,gems,precious and semi-

precious stones,gold, platinum; and

b) furs, including any item containing furwhich

represents its principal value.

The total amount of coverage and peritem limitis

shown on the Policy Declarations. This amount is

not in addition to the amount ofinsurance

applying toCoverage C Personal Property

Protection. However, in no event will coverage be

less than wouldhave applied in the absence of

Coverage J.

We do not cover loss caused by or consistingof:

a) intentional or criminal acts ofor at the

direction of any insuredperson,if the loss

that occurs:

1) may be reasonably expected to result

from such acts; or

2) is the intended result of such acts.

b) wear and tear, gradualdeterioration, inherent

vice, insects orvermin;

c) nuclear action, meaning nuclearreaction,

discharge, radiation orradioactive

contaminationor any consequence of any of

these. Loss caused by nuclear action is not

considered a loss by fire, explosion or

smoke.

We do cover sudden and accidental direct

physical loss by fire resulting from nuclear

action.

d) war or warlike acts, including, butnot limited

to insurrection, rebellion or revolution.

e) failure by any insured person to take all

reasonable steps to preserve property

during and after a loss orwhen the property

is endangered by a loss we cover.

Any deductible shown on the Policy

Declarationsapplicable to Coverage C

Personal Property Protection, also applies

to a loss underthis coverage.

Page 23

6. Coverage K

Incidental Office, Private School Or Studio

a) Coverage C PersonalProperty

Protection isextended to cover the

equipment, supplies and furnishings used in

a described office, private schoolor studio at

your residence premises. This does not

include electronic data processing

equipmentor the recording or storage media

used with thatequipment.

The Coverage K limits areshown on the Policy

Declarations. The first limit applies to propertyon

the residencepremises. The second limit applies

property while away from the residence

premises. This coverage doesnot include

property held for sample,sale or delivery after

sale.

b) Coverage X Family Liability Protection

and Coverage Y GuestMedical

Protection are extended to cover a described

office, private schoolor studio occupied by

an insured person.The occupancy of the

described propertyshall not be considered a

business.

We do not cover bodily injury to:

a) any employee other than a residence

employee, or

b) any person arising out of corporal

punishment administered by or at the

direction of an insured person.

7. Coverage LR

Lock Replacement

Coverage A Dwelling Protection is extended

to include reasonable expensesyou incur to

replace or re-key exterior door locks at the

residence premises with locks or cylinders of

like kind and quality. Coverage is provided when a

key to a lock is stolen as part of a covered theft

loss. The limit ofliability under this coverage

following any one theft loss is $250.

8. Coverage M

Increased Coverage On Money

The $100 limitation on money, bullion, bank

notes,coins and other numismatic property

under Coverage C Personal Property

Protection isincreased to the amount shown on

the Policy Declarations.

9. Coverage P

Business Pursuits

Coverage X Family Liability Protection and

Coverage Y Guest Medical Protection are

extended to cover specified business pursuits of

an insured person.

We do not cover:

a) bodily injury or property damage arising

out ofthe business pursuits ofan insured

person when thebusiness is owned or

financially controlled by the insured person.

This also means a partnership or joint

venture of which an insured person is a

partner or member;

b) bodily injury or property damage arising

out ofthe rendering or failureto rendera

professional service of anynature, other

than teaching;

c) bodily injury to a fellow employee of an

insured person arising out of and in the

course ofemployment;

d) bodily injury or property damage when an

insured person is a member of a teaching

staff or faculty ofany school or college and

the bodily injury or property damage arises

out ofthe maintenance or use ofsaddle

animals, vehiclesused with saddle animals,

motorized land vehicles,aircraft or watercraft

when owned, hired oroperated by an

insured person or used for the purpose of

instruction; or

e) bodily injury to any person arising out of

corporal punishment administered by or at

the direction of an insured person when an

insured person is a member of the teaching

staff or faculty ofany school of instruction.

Page 24

10. Coverage S

Increased Coverage On Securities

The $500 limitation on accounts, bills,deeds,

evidences ofdebt, letters ofcredit, notes other

than bank notes,passports, securities, tickets, or

stamps,including philatelic property, covered

under Coverage C Personal Property

Protection, is increased to theamount shown on

the Policy Declarations.

11. Coverage SD

Satellite Dish Antennas

Coverage C PersonalProperty Protectionis

extended to pay for sudden and accidental direct

physical loss to satellite dish antennas and their

systemson your residence premises subject to

the provisions of Coverage C Personal

Property Protection.

The amount of coverage is shownon the Policy

Declarations.

12. Coverage SE

Portable Cellular Communication Systems

Coverage C PersonalProperty Protectionis

extended to portable cellular communications

systemsin or upon a motorized land vehicle or

watercraft. This coverage applies only to portable

systemsthat can be powered by electricity from a

motorized land vehicle or watercraft. Coverage

applies whether or not the portable cellular

communication system is used in a business.

The amount of coverage is shownon the Policy

Declarations.

13. Coverage ST

Increased Coverage On Theft Of Silverware

The $1,000 limitation on theft of silverware,

pewterware andgoldware under CoverageC

Personal Property Protection is increased to the

amountshown on the Policy Declarations.

IN WITNESS WHEREOF, Allstate has caused this policy to besigned by its Secretary and its President atNorthbrook,

Illinois, and ifrequired by state law, this policy shall not be binding unless countersigned on the Policy Declarations by

an authorized agent ofAllstate.

Secretary President,

Allstate Personal Property & Casualty Company