REN 4361100 00 04/26/24 AZ A 00 05

AREA ID: ML

AMERICAN BANKERS INSURANCE COMPANY AMENDED DECLARATION * * * * EFFECTIVE 04/27/24

OF FLORIDA 12.01 AM, STANDARD TIME SUPERSEDES PREVIOUS
11222 Quail Roost Drive, Miami, FL 33157-6596 DECLARATION BEARING SAME NUMBER FOR THIS PERIOD

MULTIPLE CHANGES
POLICY PERIOD
POLICY NUMBER FROM TO POLICY TYPE AGENCY P
REN 4361100 03/15/24 03/15/25 RENTERS INSURANCE 0DW2001 00
YOU AS NAMED INSURED AND ADDRESS AGENT/ACCOUNT
CORRENE TYRA GEICO INSURANCE AGENCY, LLC.
5981 E JUAREZ ST 1-877-900-0344
TUCSON AZ 85711 1 GEICO BLVD
FREDERICKSBURG VA 22412

IMPORTANT: THIS POLICY DOES NOT INCLUDE COVERAGE FOR FLOOD LOSSES TO YOUR
BUILDING, CONTENTS, OR POSSESSIONS.

RATING INFORMATION - APARTMENT/CONDOMINIUM, TERRITORY 1

INSURED RESIDENCE PREMISES IS LOCATED AT:

SAME AS MAILING ADDRESS ABOVE

COVERAGE AMOUNT OF COVERAGE PREMIUM

PERSONAL PROPERTY $15,000 LESS DEDUCTIBLE OF $100 $165.00
PERSONAL LIABILITY $100,000 PER OCCURRENCE $8.00
MEDICAL PAYMENTS $1,000 PER PERSON INCL
LOSS OF USE $3,000 PER OCCURRENCE INCL

ADDITIONAL COVERAGES AND CREDITS/SURCHARGES NOT INCLUDED IN THE ABOVE PREMIUM

IDENTITY FRAUD $15,000 LIMIT $20.00

TOTAL ADDITIONAL PREMIUM $20.00

POLICY FEE $15.00
TOTAL PREMIUM $208.00

ADDITIONAL COVERAGES AND CREDITS/SURCHARGES INCLUDED IN THE TOTAL PREMIUM

REPLACEMENT COST INCL

PREVIOUS PREMIUM: $174.00 CHANGE: $29.99 NEW PREMIUM: $208.00

FORMS AND ENDORSEMENTS

DF00965A-0520, M4783-1209, NIP1982-0213, RFN0004E-1115, N3449-0222, N3475-0823,
AB4720EC-0307, AB4722EC-0121, AJ8485EC-0605, AJ8850PC-0307, AJ9854EPC-0708*.

CONTINUED ON NEXT PAGE

COUNTERSIGNED BY: ___________________

A2083-0684 Insured Print Copy RIUNIV
REN 4361100 00 04/26/24 AZ A 00 05
AREA ID: ML
AMERICAN BANKERS INSURANCE COMPANY AMENDED DECLARATION * * * * EFFECTIVE 04/27/24
OF FLORIDA 12.01 AM, STANDARD TIME SUPERSEDES PREVIOUS
11222 Quail Roost Drive, Miami, FL 33157-6596
DECLARATION BEARING SAME NUMBER FOR THIS PERIOD

MULTIPLE CHANGES
POLICY PERIOD
POLICY NUMBER FROM TO POLICY TYPE AGENCY P
REN 4361100 03/15/24 03/15/25 RENTERS INSURANCE 0DW2001 00
YOU AS NAMED INSURED AND ADDRESS AGENT/ACCOUNT
CORRENE TYRA GEICO INSURANCE AGENCY, LLC.
5981 E JUAREZ ST 1-877-900-0344
TUCSON AZ 85711 1 GEICO BLVD
FREDERICKSBURG VA 22412

A2083-0684 Insured Print Copy RIUNIV1

 AMERICAN BANKERS INSURANCE COMPANY
OF FLORIDA
11222 Quail Roost Drive, Miami, FL 33157-6596 (305) 253-2244

RENTERS INSURANCE PROGRAM

IDENTITY FRAUD EXPENSE COVERAGE ENDORSEMENT
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

DEFINITIONS f. Charges incurred for long distance telephone

calls to merchants, law enforcement agencies,
With respect to the provisions of this endorsement only, financial institutions or similar credit grantors,
the following definitions are added: or credit agencies to report or discuss an actual
“identity fraud”.
1. “Identity fraud” means the act of knowingly
transferring or using, without lawful authority, a The following Additional Coverage is added under
means of identification of an “insured” with the SECTION I of the policy:
intent to commit, or to aid or abet another to
commit, any unlawful activity that constitutes a IDENTITY FRAUD EXPENSE
violation of federal law or a felony under any
applicable state or local law. We will pay up to $15,000 for “expenses” incurred by an
“insured” as the direct result of any one “identity fraud”
2. “Expenses” means: first discovered or learned of during the policy period.

a. Costs for notarizing affidavits or similar Any act or series of acts committed by one or more
documents attesting to fraud required by persons, or in which such person or persons are aiding
financial institutions or similar credit grantors or abetting others against an “insured”, is considered to
or credit agencies. be one “identity fraud”, even if a series of acts continues
into a subsequent policy period.
b. Costs for certified mail to law enforcement
agencies, credit agencies, financial institutions This coverage is additional insurance.
or similar credit grantors.
EXCLUSIONS
c. Lost income resulting from time taken off work
to complete fraud affidavits, meet with or talk The following additional exclusions apply to this
to law enforcement agencies, credit agencies coverage:
and/or legal counsel, up to a maximum
payment of $200 per day. Total payment for We do not cover:
lost income is not to exceed $5,000.
1. Loss arising out of or in connection with a
d. Loan application fees for re-applying for a loan “business”.
or loans when the original application is
rejected solely because the lender received 2. “Expenses” incurred due to any fraudulent,
incorrect credit information. dishonest or criminal act by an “insured” or any
person aiding or abetting an “insured”, or by any
e. Reasonable attorney fees incurred as a result of authorized representative of an “insured”, whether
“identity fraud” to: acting alone or in collusion with others.

(1) Defend lawsuits brought against an 3. Loss other than “expenses”.

“insured” by merchants, financial
institutions or their collection agencies; SPECIAL DEDUCTIBLE

(2) Remove any criminal or civil judgments We will pay only that part of the loss that exceeds $100.
wrongly entered against an “insured”; and No other deductible applies to “identity fraud” expense
coverage.
(3) Challenge the accuracy or completeness of
any information in a consumer credit
report.

Includes copyrighted material of Insurance Services Office, Inc., with its permission.
AJ9854EPC-0708
 SECTION I – CONDITIONS Send to us, within 60 days after our request, receipts,
bills or other records that support your claim for
Under item 2. Your Duties After Loss, the following is “expenses” under “identity fraud” coverage.
added:

ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN THE SAME.

Includes copyrighted material of Insurance Services Office, Inc., with its permission.
AJ9854EPC-0708