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AGREEMENT

DEFINITIONS

AGREEMENT We agree to provide the insurance described in this policy:

based on your payment of premium, in a form acceptable to us, for the coverages you chose;

based on your compliance with all applicable provisions of this policy; and

based on the information you have given us and your statements in this agreement.

You agree, by acceptance of this policy, that:

you will pay premiums when due and comply with the provisions of the policy;

the statements in this agreement are your statements and are true;

we insure you on the basis your statements are true; and

this policy contains all of the agreements between you and us.

When you request changes to this policy, or the information or factors used to calculate the premium for this policy changes during the policy period, we may adjust the premium in accordance with the change during the policy period and you must pay any additional premium due within the time we specify. DEFINITIONS We define the following words and phrases for use throughout the policy. These definitions apply to the singular, plural, and possessive forms of these words and phrases. Defined words and phrases are printed in bold italics.

"actual cash value” means the value of the damaged part of the property at the time of loss, calculated as the estimated cost to repair or replace such property, less a deduction to account for pre-loss depreciation. For this calculation, all components of this estimated cost including, but not limited to:

materials, including tax;

labor, including tax; and

overhead and profit

are subject to depreciation. The depreciation deduction may include such considerations as:

age;

condition;

reduction

obsolescence; and

any pre-loss damage including wear, tear, or deterioration; dfhskdkdfgkdfg

of the damaged part of the property.

“bodily injury” means physical injury, sickness, or disease to a person. This includes required care, loss of services and death resulting therefrom. Bodily injury does not include:

any of the following which are communicable: disease, bacteria, parasite, virus, or other organism, any of which are transmitted by any insured to any other person;

the actual or alleged exposure to any such disease, bacteria, parasite, virus, or other organism by any insured to any other person; or

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