Homeowners Proposal Of Insurance For

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HomeownersProposal of Insurance for . . .Nancy Burklow3548 Sherman StSpringfield, IL 62703-4855Berkshire HathawayGUARD InsuranceCompanies specializein providingProperty & CasualtyTotalTotal EstimatedEstimated Premium:Premium: 560.00Effective Date:06/04/2019 thru 06/04/2020Proposal Number: NAHO080789Payment Terms:20% down payment, 11 monthlyinstallment(s)insurance coverage.Presented byBEACON INSURANCE GROUP1919 Broadway StreetMount Vernon, IL 62864618-242-5411Berkshire Hathaway GUARD Insurance Companies - P.O. Box A-H - Wilkes-Barre, PA 18703 - www.guard.com - phone: 1-800-673-2465August 2017 Edition

Quick FactsBerkshire Hathaway GUARD Insurance CompaniesEstablished:1983Ultimate Parent:Berkshire Hathaway Inc.About . . .BERKSHIREHATHAWAY INC.AA RatingStandard & Poor’s(as of 2017)Fortune 500 #2(as of 2017)S&P 500Global 500 #8(as of 2017)ChairmanWarren BuffettMore AboutBerkshire Hathaway – aninternational holding companywith diverse interests thatinclude insurance andreinsurance – is regularlyrecognized as one of thelargest and strongestorganizations in the world.Insurance Companies:AmGUARD, EastGUARD, NorGUARD, and WestGUARDA.M. Best Company Rating:A (”Superior”); Financial Size Category XCEO/President:Sy Foguel, ACAS, FILAALocations:Home office in PA; eight satellite offices across the United StatesSpecialty:Property & Casualty insuranceProducts:*For individuals, we feature Property coverage for:! Homeowners! Renters! Condo Unit OwnersA Personal Umbrella is also available.For businesses, we feature a commercial product suite that can generallyinclude one or more of the basic policies typically sought: Workers’Compensation, Property/Liability (via a Businessowner’s Policy),Commercial Auto, Commercial Umbrella, and/or Professional Liability.Operating Area:Nationwide for commercial lines. We have also begun offering personalProperty and Liability coverage in select states. (Visit www.guard.comfor details.)Performance:Combined loss and expense ratio (consistently under 100%) thatoutperforms our peer groupDistribution Network:Independent Insurance AgentsNumber of Policies Issued (2017):256,000Gross Written Premium (2017): 1.3 billionServices:Full range of underwriting, loss control, billing, and claims value-addedservices provided that help policyholders realize the full benefit of theircoverage . . . in the easiest possible way*Not all products are available in all states or through all subsidiaries.Berkshire HathawayGUARDInsuranceCompaniesBerkshire Hathaway GUARD Insurance Companies · P.O. Box A-H, Wilkes-Barre, PA 18703 · www.guard.com · phone: 1-800-673-2465

Nancy BurklowNAHO080789Payment Terms:Your down payment is due in our office within ten (10) days of the effective date of your policy. Alwaysinclude your Proposal Number on all correspondence and checks. (Note: For policyholders that use escrowaccounts,we can arrangeto havebillssent towethemortgagee.)(Note: For policyholdersthat useescrowaccounts,canarrange to have bills sent to the mortgagee.)Payment Options: CREDIT CARD: Go to the Policyholder Service Center at www.guard.com to register and make your paymentCREDIT CARD: Go to the Policyholder Service Center at www.guard.com to register and make yourOR call Customer Service at 1-800-673-2465. A fee may apply.payment OR call Customer Service at 1-800-673-2465. A fee may apply.DIRECT DRAFT: Complete the Authorization form (below) and fax to Accounting Services at 570-820-7968DIRECT DRAFT: Complete the Authorization form (below) and fax to Accounting Services 570-820-7968OR make your Direct Draft payment from the Policyholder Service Center at www.guard.com. No InstallmentOR make your Direct Draft payment from the Policyholder Service Center at www.guard.com. Nofee applies e applieswithongoingDraft payments.e-CHECK: Fax a copy of your completed check to 570-820-7968. MARK THE CHECK "FOR DRAFT," makingE-CHECK: Fax a copy of your completed check to 570-820-7968. MARK THE CHECK FOR “DRAFT,”sure not to obscure the routing number, account number, or payment amount.making sure not to obscure the routing number, account number, or payment PHONE PAYMENT:MAIL PAYMENT: Make check payable to Berkshire Hathaway GUARD Insurance Companies and includeMAIL PAYMENT: Make check payable toremittance voucher (below).and include the remittance voucher (below).See Direct Draft and Mailing Remittance Forms below.MAILING REMITTANCE SLIPNancy BurklowCustomer Name:Agency Name:BEACON INSURANCE GROUPNAHO080789Proposal Number: 560.00Total Premium:Down Payment Amount: 112.00Mail Payment To:Berkshire Hathaway GUARD Insurance CompaniesATTN: Accounts ReceivableP.O. Box A-H - 39 Public SquareWilkes-Barre, PA 18703-0020Direct Draft Authorization:Berkshire Hathaway GUARD (WestGUARD Insurance toCompany)I hereby authorizeinitiate pre-authorized debit transfers onbehalf of my business for (select one) q one-time use q ongoing, using to the information outlined below:Policy(ies):If this authorization applies to multiple policies, list all. For each, include the policy # and/or type (i.e., Comp, etc.); also, indicate new or renewal.Name of Policyholder:Nancy BurklowBank Account #:Bank Routing #:Bank Name:NameCityPreferred Start Date:Statement Delivery Preference:StateAmount (if one-time Direct Draft):q Fax q E-mail q MailFax # or E-mail:(OPTIONAL) Attach a voided check to assist us in verifying your account information.Authorized Signature: Date Signed:DDPF-TB/8-14 Ed10Printed Name:Phone Number:We send Billing Statements to give you advance notice of each draft amount as a courtesy to you.(The procedure for calculating premium is set forth in your policy.) We cannot guarantee that youwill receive this notice or that the notice will be received in advance of the Direct Draft. Regardless,payment is still due in accordance with your policy terms.Attn:BERKSHIRE HATHAWAYGUARDINSURANCECOMPANIES

To: Proposal NAHO080789Berkshire Hathaway GUARDP.O. Box A-H 39 Public SquareWilkes-Barre, PA 18703-0020570-825-9900www.guard.comProposal of InsuranceNancy BurklowProspect Number NAHO080789for 06/04/2019 to 06/04/2020BEACON INSURANCE GROUPAli Klein - Mount Vernon, ILPhone Number: 618-242-5411Fax#: 866-468-5803Extension: / e-mail:Phone Number:Fax Number: 570-820-7968This quote will expire on 06/05/2019.Carrier:AmGUARD Insurance CompanyHomeownersType of Coverage:Payment Method:Direct BillTotal Estimated Cost: 560.00The portion of the Total Estimated Cost attributable to terrorism premium is 0.00.(Direct billed policies will be charged a fee of 7.00 per installment.)Information Needed to Issue:**Copies of any dec page(s) or policy number(s) to keep the Special Insurance Discount.A signed copy of the Mine Subsidence Rejection Form is required if Mine Subsidence Coverage is not desired.Important Notes:***A Direct Draft electronic fund transfer option is offered which requires no installment fees and no checks to bemailed. A sign-up sheet is enclosed and can alternatively be downloaded from our web site at www.guard.comor obtained by contacting Customer Service at 800-673-2465.WE MAY, BUT ARE NOT OBLIGATED, TO INSPECT YOUR PROPERTY. THIS INSPECTION MAY BE MADE BY US orMAY BE MADE ON OUR BEHALF. AN INSPECTION or ITS RESULTING ADVICE, REQUIREMENTS or REPORT DOESNOT WARRANT THAT YOUR PROPERTY IS SAFE, HEALTHFUL, or IN COMPLIANCE WITH THE LAWS, RULES orREGULATIONS. INSPECTIONS or REPORTS, WHICH MAY INCLUDE PHOTOGRAPHS OF THE PROPERTY, ARE FORINSURANCE PURPOSES ONLY.THIS COVERAGE DOES NOT PROVIDE ANY FLOOD COVERAGE- FOR FLOOD COVERAGE PLEASE SPEAK WITHYOUR AGENT.Page 1 of 6PROP-2/2008Prepared: 05/29/2019 @ZYou may call Customer Service at 1-800-673-2465- 24 hours a day, 7 days a week.

Proposal of Insurance for Nancy Burklow (cont.)3548 Sherman St,Springfield, IL62703-4855The next sections of this proposal list the various insurance coverages and limits included in thisHomeowner's policy for the Total Estimated Cost shown above; some are automatically included whileothers reflect specific requests.SECTION I: PropertyDeductibles:1000All PerilsSame as All PerilTheft Deductible1%Windstorm/HailCoverages:A. Coverage A - Dwelling186,527B. Coverage B - Other Structures0C. Coverage C - Personal PropertyD. Coverage D - Loss of Use93,26455,958SECTION II: LiabilityE. Coverage E - Personal Liability Limit300,000F. Coverage F - Medical Payments Limit3,000Page 2 of 6PROP-2/2008Prepared: 05/29/2019 @ZYou may call Customer Service at 1-800-673-2465- 24 hours a day, 7 days a week.

Proposal of Insurance for Nancy Burklow (cont.)SECTION III: Additional CoveragesAdditional Coverage Selected:Limits:Business PropertyOff-Premises Limit1,500On-premises Limit2,500Coverage C - Other ResidencesLimit9,326Coverage C - Self-storage FacilitiesLimit9,326Coverage C - Special Limits of LiabilityJewelry, Watches and Furs Limit1,500Money Limit200Securities Limit1,500Silverware, Goldware & Pewterware Limit2,500Firearms Limit2,500Portable Electronic Equipment in or upon a motor Vehicle Limit1,500Credit Card, Electronic Fund Transfer Card or Access Device,Forgery and Counterfeit Money CoverageLimit1,000Damage to Property of OthersLimit1,000Debris RemovalLimit5%/1,000Fire Department Service ChargeLimit500Grave MarkersLimit5,000Home Systems Protection CoverageLimit50,000Landlord's FurnishingsLimit2,500Limited Fungi, Wet or Dry Rot or Bacteria CoverageSection I Limit10,000Section II Limit50,000Mine SubsidenceLimit750,000Service Line CoverageLimit10,000Supplemental Loss Assessment CoverageResidence Premises Limit1,000Page 3 of 6PROP-2/2008Prepared: 05/29/2019 @ZYou may call Customer Service at 1-800-673-2465- 24 hours a day, 7 days a week.

Proposal of Insurance for Nancy Burklow (cont.)Trees, Shrubs and Other PlantsLimit5%/500Water Backup & Sump OverflowLimit5,000Section IV: Rating CharacteristicsForm Code:HO 03 - Special FormConstruction:FrameDwelling Type:PRIMARYOccupancy Type:Owner OccupiedYear Built:1955Number of Families:1Territory:037Protection Class:01Primary Roof Cover:Composition - Architectural ShingleRoof Upgrade Year:2014Page 4 of 6PROP-2/2008Prepared: 05/29/2019 @ZYou may call Customer Service at 1-800-673-2465- 24 hours a day, 7 days a week.

Proposal of Insurance for Nancy Burklow (cont.)SECTION V: Policy FormsForm NumberForm NameHO WEL LETWELCOME LETTERHO GUARDIANGUARDIAN FLYERHO DEC 07 18HOME OWNERS POLICY DECLARATIONSHO P 004 05 11LIMITED HOME DAY CARE COVERAGE ADVISORY NOTICE TO POLICYHOLDERSHO FCRANotice of Consumer Rights Under the Fair Credit Report ActHO P 063 10 15ADVISORY NOTICE TO POLICYHOLDERSHO PN IL 01 04 18Illinois Earthquake Insurance Availability NoticeHO PRIV POLPRIVACY POLICYIL N 001 09 03FRAUD STATEMENTIL N 175 11 11Illinois Notice to Policyholders Regarding the Religious Freedom Protection and Civil Union ActIL P 001 01 04HO 00 03 05 11U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ('OFAC') ADVISORY NOTICE TOPOLICYHOLDERSHOMEOWNERS 3 - SPECIAL FORMHO 03 12 05 11WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLEHO 04 27 05 11LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGEHO 04 53 10 00CREDIT CARD, FUND TRANSFER CARD, FORGERY AND COUNTERFEIT MONEY COVERAGEHO 04 95 01 14LIMITED WATER BACK-UP and SUMP DISCHARGE or OVERFLOW COVERAGEHO 05 30 05 11FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENTHO 06 48 10 15RESIDENCE PREMISES DEFINITION ENDORSEMENTHO 06 53 02 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTHO 112 01 04 18Special Provisions - IllinoisHO 23 88 06 12MINE SUBSIDENCE RESIDENCE AND OTHER STRUCTURES - ILLINOISHO 99 78 03 18MATCHING OF UNDAMAGED EXTERIOR SURFACING EXCLUSION DELETIONHO 99 81 01 18LIMITED LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACINGHO 99 83 08 17PROTECTIVE DEVICESHO 99 89 06 17SERVICE LINE COVERAGEHO 99 90 06 17HOME SYSTEMS PROTECTIONIL 99 00 08 13Authorization and AttestationPN IL 01 01 14Notice of Contact for ComplaintsHO 34 02 02 17AIRCRAFT LIABILITY DEFINITION REVISED TO REMOVE EXCEPTION FOR MODEL OR HOBBY AIRCRAFTPage 5 of 6PROP-2/2008Prepared: 05/29/2019 @ZYou may call Customer Service at 1-800-673-2465- 24 hours a day, 7 days a week.

Proposal of Insurance for Nancy Burklow (cont.)DISCLAIMER This proposal/quote is not a binder. The Total Estimated Cost is based upon informationprovided to date and is subject to change even after coverage has been bound, based upon availability ofadditional pricing or underwriting information or considerations and/or upon the results of loss controlsurveys and compliance with recommendations. This summary of policy coverages, premium, and limits isnot an insurance policy. For further details about the coverage, please review the policy forms anddeclarations pages. In the event of a conflict, the terms stated in the insurance policy shall govern. Pleasebe aware that this proposal encompasses only the coverages listed and that those coverages are subject tothe final terms and conditions stated in the policy. Our only offer of insurance is stated by the terms of thisproposal, which can only be changed by our issuance of a new proposal.Prospect Number: NAHO080789PROPOSAL-05-29-2019-03Accepted by:(print name)Prospect's Signature:Date:Fax this signed proposal page to us at 570-820-7968Page 6 of 6PROP-2/2008Prepared: 05/29/2019 @ZYou may call Customer Service at 1-800-673-2465- 24 hours a day, 7 days a week.

Mine Subsidence Insurance Rejection FormThe Illinois Mine Subsidence Act (Article XXXVIIIA) requires that Mine Subsidence Insurance beavailable for any building in Illinois on policies providing fire and extended coverage beginningJanuary 1, 1994. Coverage applies to direct physical loss of or damage to building. Additionaldetails about the coverage can be provided by your agent.If your insurance application is accepted by us and a policy is issued to you, Mine Subsidencecoverage will be included. To reject this coverage, complete and return this waiver within 30days of policy inception.Reject Residence Premises3548 Sherman St, Springfield, IL 62703-4855I (We) do not desire Mine Subsidence coverage and hereby waive any right to such coverage under this policy or anyfuture policy covering my (our) interest in the property identified above, unless I (we) request mine subsidenceinsurance coverage, in writing, at some future date.Policyholder/Applicant’s Name (Print)NAHO080789Policy NumberPolicyholder/Applicant’s SignatureDateED1 (01/18)

Auto QuoteCustomer InformationNancy Burklow3548 Sherman StSpringfield, IL 62703-4855Agent InformationBEACON INSURANCE GROUP INC1919 BROADWAY STMOUNT VERNON, IL 62864-2980Date Prepared: 05/28/2019Phone Number: (618) 242-5411Email: info@beaconinsgroup.netWebsite: www.beaconinsgroup.netAgent #: 250821Proposed Policy Period: 06/04/2019 to 06/04/2020Call or email BEACON INSURANCE GROUP INC to start your protection witha monthly EFT down payment of 88.25.PREMIUM SUMMARYVehicle CoveragesOther CoveragesDiscounts & Safeco Safety RewardsYour total policy premium for 12 months isYour total policy premium for 12 months with the Paid in Full Discount isYour total policy premium for 12 months with Automatic Bank Deduction isDISCOUNTS & SAFECO SAFETY REWARDSAdvance QuotingAnti-TheftCoverageViolation FreeHomeownersPremium 1,004.40 80.50Included 1,084.90 985.10 1,035.10Accident FreeDRIVER SUMMARYNancy Burklow - RatedVEHICLE COVERAGESBodily Injury LiabilityProperty Damage LiabilityComprehensiveCollisionTotal Vehicle PremiumLimits / Deductibles 100,000/ 300,000 100,000 500 w/Full Glass 5002017 ChryPacifica 215.00 176.40 269.80 343.20 1,004.40OTHER COVERAGESLimits / DeductiblesMedical Payments 5,000Uninsured/Underinsured Motorist Bodily Injury 100,000/ 300,000Accident ForgivenessNot AvailableThis quote is provided without cost or obligation. It is not a contract or binder of coverage.Safeco Insurance Company of IllinoisPremium 33.80 46.70--

Auto QuotePayment Options:Automatic Deduction (EFT)1. Full Payment 985.102. 2-Pay 494.553. 4-Pay 260.784. Monthly Pay 88.25(Total Premium, no Installment Fee)(50% down payment 2.00 Installment Fee)(3 months down payment 2.00 Installment Fee)(1 month down payment 2.00 Installment Fee)Recurring CC (RCC)1. Full Payment 985.102. 2-Pay 497.553. 4-Pay 276.234. Monthly Pay 95.40(Total Premium, no Installment Fee)(50% down payment 5.00 Installment Fee)(3 months down payment 5.00 Installment Fee)(1 month down payment 5.00 Installment Fee)Bill By Mail1. Full Payment2. 2-Pay3. 4-Pay4. Monthly Pay(Total Premium, no Installment Fee)(50% down payment 5.00 Installment Fee)(3 months down payment 5.00 Installment Fee)(2 months down payment 5.00 Installment Fee) 985.10 497.55 276.23 185.82Safeco Insurance Company of Illinois

Insurance Berkshire Hathaway GUARD Insurance Companies BERKSHIRE HATHAWAYINC. About . . . Berkshire Hathaway GUARD Insurance Companies P.O. Box A-H, Wilkes-Barre, PA 18703 www.guard.com phone: 1-800-673-2465 Quick Facts AA Rating Standard & Poor’s (as of 2017) Fortune 500 #2 (as of 2017) S