Joe and Jane Customer Gannon Associates

IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIJOE AND JANE CUSTOMER1234 ANYSTREETANYTOWN ST 00000-0000

Gannon Associates28 Main StreetTowanda ST 00000 Page 1 of 2

Dear Joe and Jane Customer,

Thank you for allowing [name of agency] to help serve your insurance needs. We appreciate the confidence youhave placed in us and are continuously working to provide you with quality insurance protection and service.

Benefits of an [EncompassOne® / Encompass Insurance] Policy By [choosing / renewing] an [EncompassOne®/ Encompass Insurance] Policy, you can be confident you’re protected when it matters most. You receive benefit-rich coverage that provides:

• Higher limits and broader replacement coverage than most other policies, and money-saving discounts• Exceptional, attentive claim service available 24/7/365• A simpler insurance experience [with the unique EncompassOne® package policy]• Peace of mind knowing that you are protected by an experienced, financially stable provider

We Appreciate Your BusinessThank you again for choosing [name of agency]. Our experienced team is committed to providing you with great service to help meet your unique insurance needs.

Sincerely yours,

Gannon AssociatesGannon AssociatesYour Encompass agency

G1-70531-A Ed. 09-14

1 EncompassOne® Policy is the marketing name for Universal Security Policy.

Information as of August 7, 2014

Policyholder(s)

Joe and Jane CustomerPolicy number999 999 999

Your Encompass agency isGannon Associates(999) [email protected]

GANNON ASSOCIATES0000 Anystreet, Anytown, ST 00000-0000

Protecting you everyday!

Proof of InsuranceID CardsYour insurancecards are legallyrequired, soplease keepthem in your vehicle(s) atall times.

Coverage SummaryThe Coverage Summary listspolicy details,such as yourresidences, vehicles andcoverages.

CoverageChange NoticesWe use thesenotices to callattention toparticularly important information, policy changes and discounts.

Policy EndorsementsIf policychanges aremade by us or you, these documents willdetail your new contractlanguage.

Policy Your policy includes your insurance contracts; theylist all of theterms and conditions ofyour coverages.

Policy number: 999 999 999Policy effective date: September 2, 2014Your Encompass agency is Gannon Associates Inc

(999) 999-9999

Page 2 of 2

Please review these documents carefully to be certain you are comfortable with your coverage choices. Keep these documents with your other important papers.

Sections included:Your EncompassOne ® Welcome Package Coverage Summary• All segments

Home• Policy• Coverage Change Notices• Policy Endorsements

Dwelling Fire• Policy• Coverage Change Notices• PolicyEndorsements

Motor Vehicle• ID cards• Policy• Coverage Change Notices • Policy Endorsements

Boat• ID cards• Policy• Coverage Change Notices• Policy Endorsements

Personal Umbrella• Policy• Coverage Change Notices• Policy Endorsements

What’s in this package?See the guide below for the documents that are included.Next steps: review your Coverage Summary to confirm youhave the coverages, coverage limits, premiums and savingsthat you requested and expected. Read any Endorsementsor Coverage Change Notices to learn about new policychanges, topics of special interest, as well as required communications. Keep all of these documents with yourother important insurance papers.

Am I getting all the discounts I should?Confirm with your Encompass Independent Agent thatyou’re benefiting from all the discounts you’re eligible to receive.

Billing/Payment OptionsYour bill will arrive in a separate mailing. Encompass offersseveral flexible payment options. When you receive the bill, please review your options. You may want to consider enrolling in the Encompass Easy Pay® Plan, a monthly electronic funds transfer payment that is an easy way toavoid a lapse in coverage. For more information and otherpayment options, visit www.encompassinsurance.com.

Need to Contact Us?Should you need to file a claim, our Claims Service is available 24/7/365. Call (800) 588-7400 and an Encompass claim representative will help you file a claim or dispatch emergency assistance as needed. If you havequestions about your policy or if it needs updating (e.g., coverages, limits, deductibles), call us at [Agency Phone].

Your Insurance Coverage Checklist We’re happy to have you as an Encompass customer! This checklist outlines what’s in this package and provides answers to somebasic questions, as well as any “next steps” you may need to take.

000 000 000

050722500013A

00000OG207050722500000A00000000000000000000000000000

Page 1 of 2For your convenience, two insurance cards have been included for each vehicle. State law requires that oneof these cards be kept in each vehicle. Please place them in your vehicles by the effective date. Please foldand (or cut) out along dotted lines.

Your Encompass Auto Insurance Card

Please use the printed Insurance Cards below.

Please use the printed Insurance Cards below. Please use the printed Insurance Cards below.

Please use the printed Insurance Cards below.

<State> AutomobileInsurance Identification

POLICY NUMBER999 999 999 EFFECTIVE DATE09/02/12EXPIRATION DATE03/02/13

YEAR / MAKE / MODEL2008 GMC Yukon VEHICLE IDENTIFICATION NUMBER000000000000008GYTYPEFirst Dec

Encompass Indemnity CompanyTIMESAVER 24 HR. CLAIM REPORTING: (800) 588-7400Joe and Jane Customer1234 Anystreet Anytown ST 00000-0000LineX4xXxXxXxXxXxXxXxXxXx

G1-70215-A Ed. 04-01





G1-70215-A Ed. 04-01





G1-70215-A Ed. 04-01





G1-70215-A Ed. 04-01

Policy number: 999 999 999Policy effective date: September 2, 2014Your Encompass agency is Gannon Associates Inc

(999) 999-9999

Page 2 of 2

TIMESAVER 24 HR. CLAIM REPORTING:(800) 588-7400

The ID card must be carriedin the vehicle at all times.

000 000 000

050722500013A

00000OG207050722500013A1001002000001

Important NoticesPolicy number: 999 999 999Policy effective date: September 2, 2014Your Encompass agency is Gannon Associates Inc

(999) 999-9999Page 1 of 2

XxXxXxXxXxXxXxXxXxXxXLorem ipsum dolor sit amet, consectetur adipiscing elit.Vestibulum convallis interdum nunc ut tincidunt. Cras sapiennisi, tempor sed eros nec, mollis pulvinar nisi. Lorem ipsumdolor sit amet, consectetur adipiscing elit. Sed vitae gravidavelit.

Morbi ut nibh vel nisi tempus volutpat et id orci. Aliquam lacusligula, blandit id sem id, fermentum gravida enim.

Nam justo leo, laoreet sit amet ligula id, aliquam hendrerit ex.Fusce ut ex accumsan, semper massa vel, efficitur orci. Maurisrutrum in ante a porta. Etiam at dolor odio. Aliquam eratvolutpat.

A Prior Insurance Carrier report was used to make thisdecision.

Phasellus ex neque, faucibus sit amet nunc sed, aliquet ultricesipsum. Vestibulum bibendum molestie libero ut cursus. Loremipsum dolor sit amet, consectetur adipiscing elit. Suspendissecondimentum turpis quis mauris eleifend finibus. Suspendissescelerisque odio sed nisi cursus feugiat. In hac habitasse plateadictumst. Cras mattis et ligula eu tristique. Nunc dapibus turpismagna, ut maximus nisl facilisis id.

Donec tortor massa, consequat eu diam vitae, finibus ornaretortor. Cras id diam sed velit porta porttitor. Vestibulum elitsem, sollicitudin in nisi eget, congue interdum lorem. Ut utlibero laoreet, accumsan tortor quis, molestie nibh. Vestibulumdictum magna eu feugiat mollis. Pellentesque ullamcorperefficitur ex, non tincidunt enim vehicula in.

Maecenas ullamcorper eros justo, eget tristique sem commodoquis.

XXXXXXX-A Ed. XX-XX

XxXxXxXxXxXx XxXxXxXxX XxXxXxXxXx XxXxXxXxXxXxXxXxLorem ipsum dolor sit amet, consectetur adipiscing elit.Vestibulum convallis interdum nunc ut tincidunt. Cras sapiennisi, tempor sed eros nec, mollis pulvinar nisi. Lorem ipsumdolor sit amet, consectetur adipiscing elit. Sed vitae gravidavelit.







XXXXXXX Ed. XX-XX

XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxMorbi ut nibh vel nisi tempus volutpat et id orci. Aliquam lacusligula, blandit id sem id, fermentum gravida enim.


Phasellus ex neque, faucibus sit amet nunc sed, aliquet ultricesipsum.

Vestibulum bibendum molestie libero ut cursus. Lorem ipsumdolor sit amet, consectetur adipiscing elit.

Suspendisse condimentum turpis quis mauris eleifend finibus.Suspendisse scelerisque odio sed nisi cursus feugiat. In hachabitasse platea dictumst.

Suspendisse condimentum turpis quis mauris eleifend finibus.Suspendisse scelerisque odio sed nisi cursus feugiat. In hac



Phasellus ex neque, faucibus sit amet nunc sed, aliquet ultricesipsum. Vestibulum bibendum molestie libero ut cursus. Loremcondimentum turpis quis mauris eleifend finibus. Suspendissescelerisque odio sed nisi cursus feugiat. In hac habitasse plateadictumst. Cras mattis et ligula eu tristique. Nunc dapibus turpismagna, ut maximus nisl facilisis id.

XXXXXXX Ed. XX-XX





XXXXXXX-A Ed. XX-XX


(999) 999-9999

Page 2 of X

000 000 000

050722500013A

00000OG207050722500000A00000000000000000000000000000

Home Protection

Page 1 of X

EncompassOne® Elite Package -New Policy Coverage Summary

Your policy effective date is September 2, 2014

Summary Policyholder/Named Insured:Joe and Jane CustomerXxXxXxXxXxXxXxXxXxXxXxX25

Mailing address:1234 AnystreetAnytown ST 00000-0000

Policy number:999 999 999

Insurance provided by:XxXxXxXxXxXxXxXxXxXxXxX25 XxXxXxXxXxXxXxXxXxXxXxX25

Policyholder since:September 2010

Coverage applies only if a premium or limit is shown

Policy period:Beginning September 2, 2014through March 2, 2014 at 12:01 a.m. standard time Agent:

Gannon Associates28 Main StreetTowanda ST 00000(999) [email protected] Code: 222-222222-3333

24-hour claim reporting: (XXX) XXX-XXXX

(continued)

Home Protection - Elite

Coverage Detail for 1234 Anystreet, Anytown, ST 00000-0000 XxXxXxXxXxXxXxXxXxXxXxXxX

Coverages Limits Applicable Deductible(s) PremiumsProperty Location Limit (PLL)* $XXX,XXX • $X,XXX $X,XXX.XX*Your Property Location Limit is 200% of the • $X,XXX Windstormestimated residence value of $XXX,XXX (applied to windstorm

or hail losses)*The Property Location Limit is the total amount of insurance on your dwelling, structures other than your dwelling andtangible personal property at this location excluding any purchased additional coverages and/or increased limits shown below.Real Property Basic Replacement Cost AppliesLoss Settlement

Additional coverages and/or increased limitsIncreased Tangible Personal Property value of $XXX,XXX • See PLL deductiblesIncreased Other Structures value of $XXX,XXX • See PLL deductiblesIncreased Structures Other Than Dwelling $XXX,XXX • See PLL deductibles $XXX,XXXProperty Liability $XXX,XXX IncludedProperty Liability - Mold, Fungus, $XXX,XXX IncludedWet Rot and Dry RotMedical Expenses $XXX,XXX Included

XXDEC-0615

000 000 000

050722500013A

00000OG207050722500000A00000000000000000000000000000

EncompassOne® Elite Package - New Policy Coverage SummaryPolicy number: 999 999 999Policy effective date: September 2, 2014Your Encompass agency is Gannon Associates Inc

(999) 999-9999

Coverage Detail for 5678 Anystreet, Anytown, ST 00000-0000

Coverages Limits Applicable Deductible(s) Premiums

Property Location Limit (PLL)* $XXX,XXX • $X,XXX Property $X,XXX.XXReal Property Basic Replacement Cost Loss • $X,XXX Windstorm Settlement Applies (applied to windstorm

or hail losses)•Dwelling (Estimated Residence Value) $XXX,XXX • See PLL deductibles• Structures Other Than Dwelling (xx% of Estimated Residence Value) $XXX,XXX • See PLL deductibles• Tangible Personal Property (xx% of Estimated Residence Value) $XXX,XXX • See PLL deductibles $XXX,XXX

XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxX $XXX,XXX • $XX,XXX XxXxXxXxXxXxX $X,XXX.XX

Total Residence Premium $X,XXX.XX


Scheduled Personal Property (SPP) Summary $XXX,XXX • $XX,XXX SPP $X,XXX.XX(Refer to your Schedule for detailed itemization)• Fine Arts $XXX,XXX $X,XXX.XX• Furs $XXX,XXX $X,XXX.XXEarthquake $XXX,XXX • $XX,XXX (XXX% of $X,XXX.XX

Earthquake limit)•Coverage masonry veneer Not providedTotal Residence Premium $X,XXX.XX

Page 2 of X

Home Protection - Elite (continued)

Coverage Detail for 1234 Anystreet (continued)

Distance from fire hydrant: XXXXX feet Distance from fire department: XX miles

Mortgagee/Other Interested Parties PS BANK /OR ASSIGNS IN C/O US BANK HOME MORTGAGEPO BOX 000, Anytown, ST 60001-0000Loan Number: XXXXXXXXXXXXXXXXXXXXXXXXXXXType of Interest: XXXXXXXXXXXXXXXXXXXXXXXXXXX

(continued)

Distance from fire hydrant: XXXXX feet Distance from fire department: XX miles Effective Date: Month CCYY

XXDEC-0615


(999) 999-9999

Total Home(s) Premiums and ChargesPremium for 1234 Anystreet $XX,XXX.XXPremium for 5678 Anystreet $XX,XXX.XXPackage Discount Applied

1234 Anystreet discounts and charges that have been applied:• Discount name xXxXxXxXxXxXxXxX• Discount name xXxXxXxXxXxXxXxX

• Discount name xXxXxXxXxXxXxXxX• Discount name xXxXxXxXxXxXxXxX



Discounts and Charges

Home Protection - Elite (continued)


Page 3 of X

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXLoan Number: XXXXXXXXXXXXXXXXXXXXXXXXXXXType of Interest: XXXXXXXXXXXXXXXXXXXXXXXXXXX

Your Total Premium for All Homes $XX,XXX.XX

XXDEC-0615

Page 4 of XEncompassOne® Elite Package - New Policy Coverage SummaryPolicy number: 999 999 999Policy effective date: September 2, 2014Your Encompass agency is Gannon Associates Inc

(999) 999-9999

Fire Protection





Distance from fire hydrant: XXXXX feet Distance from fire department: XX miles

Dwelling Legal Data:Description: XXXXXXXXXXXXXXXXXX Name: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX


(continued)

Coverage Detail for 91011 Anystreet, Anytown, ST 00000-0000 Coverages Limits Applicable Deductible(s) PremiumsProperty Location Limit (PLL)* $XXX,XXX • $X,XXX $X,XXX.XX*Your Property Location Limit is 200% of the • $X,XXX Windstormestimated residence value of $XXX,XXX (applied to windstorm

or hail losses)*The Property Location Limit is the total amount of insurance on your dwelling, structures other than your dwelling andtangible personal property at this location excluding any purchased additional coverages and/or increased limits shown below.Real Property Basic Replacement Cost AppliesLoss Settlement

Additional coverages and/or increased limitsIncreased Tangible Personal Property value of $XXX,XXX • See PLL deductiblesIncreased Other Structures value of $XXX,XXX • See PLL deductiblesIncreased Structures Other Than Dwelling $XXX,XXX • See PLL deductibles $XXX,XXXProperty Liability $XXX,XXX IncludedProperty Liability - Mold, Fungus, $XXX,XXX IncludedWet Rot and Dry RotMedical Expenses $XXX,XXX IncludedTotal Dwelling Premium $X,XXX.XX

000 000 000

050722500013A

00000OG207050722500000A00000000000000000000000000000

XXDEC-0615


(999) 999-9999

Fire Protection - (continued)

Total Dwelling(s) Premiums and ChargesPremium for 1234 Anystreet $XX,XXX.XXPackage Discount AppliedFamily Dwelling Surcharge Applied

Page 5 of X

Your Total Premium for All Dwellings $XX,XXX.XX

XXDEC-0615


Page 6 of X

Use: XxXxXxXxXxXxXx

Class Code: XXXX


(999) 999-9999

VIN: 0000000000000008RR Rated Driver: XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXx

Lienholder/Other Interested Parties XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXLoan Number: XXXXXXXXXXXXXXXXXXXXXXXXXXXType of Interest: XXXXXXXXXXXXXXXXXXXXXXXXXXX

Motor Vehicle Protection - Elite

(continued)

Coverage Detail for 2008 BMW 328iCoverages Limits Applicable Deductible(s) Premiums

Bodily Injury $100,000 per person $XX.XX$300,000 per accident

Property Damage $100,000 per accident $XX.XX

Medical Expense $5,000 per person $XXX.XX

Uninsured Motorists

• Bodily Injury $250,000 per person See below*$500,000 per accident See below*

• Property Damage $100,000 per accident See below*

Comprehensive • $1,000 Comprehensive $XX.XXCollision • $1,000 Collision $XXX.XX

Total Premium for 2008 BMW 328i $400.00

*Premium for all "Uninsured Motorists-type" coverages are shown under Total Vehicle(s) Premiums and Charges.

Coverage Detail for 2010 GMC Yukon





Uninsured Motorists

• Bodily Injury $250,000 per person See below*$500,000 per accident See below*

• Property Damage $100,000 per accident • $XXX Property Damage XXDEC-0615

Coverage Detail for 2012 Honda OdysseyCoverages Limits Applicable Deductible(s) Premiums




Uninsured Motorists - Including Property Damage $XXX,XXX • $XXX Property Damage See below*

Total Premium for 2012 Honda Odyssey $300.00


Motor Vehicle Protection -Elite (continued)

Page 7 of XEncompassOne® Elite Package - New Policy Coverage SummaryPolicy number: 999 999 999Policy effective date: September 2, 2014Your Encompass agency is Gannon Associates Inc

(999) 999-9999

Use: XxXxXxXxXxXxXx

Class Code: XXXX



Use: XxXxXxXxXxXxXx

Class Code: XXXX




Comprehensive • $1,000 Comprehensive $XX.XXCollision • $1,000 Collision $XXX.XXTotal Premium for 2010 GMC Yukon $300.00


000 000 000

050722500013A

00000OG207050722500000A00000000000000000000000000000

XXDEC-0615

Total Vehicle(s) Premiums and ChargesVehicles Identification number (VIN) Premiums2008 BMW 328i 000000000000008RR $400.002010 GMC Yukon 000000000000010GY 300.002012 Honda Odyssey 000000000000012HO 300.00Automobile Theft Prevention Surcharge AppliedFullPay® Discount AppliedThe discount applies only if the Full Premium is paidUninsured Motorists Premium for all Vehicles 300.00Uninsured Motorists Property Damage Premium for all Vehicles 30.00

Motor Vehicle Protection (continued)

2008 BMW 328i discounts and charges that have been applied:• Loss Free Discount• Anti-Lock Brake Discount• Passive Restraint Discount(Driver and Passenger side)

• Good Payer Discount• Encompass Easy Pay Plan Discount• Preferred Protection Discount• Non-verifiable Driving Record Surcharge

2010 GMC Yukon discounts and charges that have been applied:• Loss Free Discount• Anti-Lock Brake Discount• Passive Restraint Discount(Driver and Passenger side)

• Good Payer Discount• Encompass Easy Pay Plan Discount• Preferred Protection Discount

2012 Honda Odyssey discounts and charges that have been applied:• Loss Free Discount• Anti-Lock Brake Discount• Passive Restraint Discount(Driver and Passenger side)

• Good Payer Discount• Encompass Easy Pay Plan Discount• Preferred Protection Discount


Page 8 of X


(999) 999-9999

Name Date Licensed Date of Birth

Joe Customer 00/XX/0000 00/XX/0000Jane Customer 00/XX/0000 00/XX/0000Ann Marie Customer 00/XX/0000 00/XX/0000

Excluded drivers Patti CustomerCraig Customer

Driver Information

Your Total Premium for All Vehicles $1,330.00

XXDEC-0615



(999) 999-9999

Page 9 of X

Lienholder/Other Interested Parties Interest in boat, motor and trailerXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXLoan Number: XXXXXXXXXXXXXXXXXXXXXXXXXXXType of Interest: XXXXXXXXXXXXXXXXXXXXXXXXXXX

(continued)

Boat Protection

Coverage Detail for 2010 Bass TrackerCoverages Limits Applicable Deductible(s) PremiumsHull, Motor(s), Equipment $XXX,XXX • $XX,XXX (XX% of Hull, $XXX.XX

Motor(s), Equipment. Subjectto minimum of $XXX)• $XX,XXX Trailer

Replacement Cost coverage applies • $XX,XXX (XX% of Hull, IncludedMotor(s), Equipment. Subjectto minimum of $XXX)• $XX,XXX Trailer

Emergency Service $XXX,XXX • $XX,XXX (XX% of Hull, IncludedMotor(s), Equipment. Subjectto minimum of $XXX)• $XX,XXX Trailer

Property on Board $XXX,XXX • $XX,XXX (XX% of Hull, IncludedMotor(s), Equipment. Subjectto minimum of $XXX)• $XX,XXX Trailer

Liability $XXX,XXX $XXX.XX

Medical Expense $XXX,XXX Included

Uninsured Boaters $XXX,XXX Included

Bahama Island Liability Coverage Extension $XXX,XXX $XXX.XX

Total Premium for 2010 Bass Tracker $300.00

Hull Identification Number (HIN):0000000000000010BT

Motor Description 1: XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxX

Trailer Description: XxXxXxXxXxXxXxXxXxXxXxXx

Motor Serial Number 1: XxXxXxXxXxXx XxXxXxXxXx

Motor Description 2: XxXxXxXxXxXxXxXxXxXxXx

Motor Serial Number 2: XxXxXxXxXxXxXxXxXxXx

Trailer Serial Number: XxXxXxXxXxXxXxXxXx000 000 000

050722500013A

00000OG207050722500000A00000000000000000000000000000

XXDEC-0615

Page 10 of X


(999) 999-9999

2010 Bass Tracker discounts and charges that have been applied:


• Discount name XxXxXxXxXxXxXxXxXx• Discount name XxXxXxXxXxXxXxXxXx

• Discount name XxXxXxXxXxXxXxXxXx• Discount name XxXxXxXxXxXxXxXxXx

Total Boat(s)/Watercraft(s) Premiums and ChargesBoats/Watercrafts Identification number Premiums2010 Bass Tracker 0000000000000010BT $XXX.XX2013 Kenner Boat 1820 Vision Tunnel 0000000000000013KB XXX.XXChaparral motor 00000000000000XX1Loadmaster trailer 00000000000000XX22013 XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXx 00000000000000XX3 XXX,XXX.XXPremium for optional coverages XX.XX

Your Total Premium for All Boats/Watercrafts $XXX.XX

Boat Protection (continued)

XXDEC-0615


(999) 999-9999

Page 11 of X


Coverages LimitsPersonal Umbrella Coverage: $1,000,000Applies to all “covered exposures” and “additional covered exposures”Minimum Retained Limit: You must maintain this amount of underlying insurance for covered exposures

Home Segment:Underlying insurance on a combined single limit basis $300,000 each occurrence

Dwelling Fire Segment:Underlying insurance on a combined single limit basis $300,000 each occurrence

Motor Vehicle Segment:Underlying insurance on a combined single limit basis $300,000 each accidentUnderlying insurance on a split limit basis $100,000 bodily injury each person

$300,000 bodily injury each accident$100,000 property damage

each occurrence/accident

This Personal Umbrella Segment XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXLimit is shown XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Extended Liability Coverage Within limitApplies toResidence(s)• 1234 Anystreet• 5678 Anystreet

Dwelling(s)• 91011 Anystreet

Excess Uninsured/Underinsured Motorists $1,000,000• 2008 BMW 328i• 2010 GMC Yukon• 2012 Honda XXXXXXXXXX

Premiums

Residence Premiums• 1234 Anystreet $XX,XXX.XX• 5678 Anystreet $XX,XXX.XX

Dwelling Premiums• 1234 Anystreet $XX,XXX.XX• 5678 Anystreet $XX,XXX.XX

Motor Vehicle Premiums• 2008 BMW 328i $XX,XXX.XX• 2010 GMC Yukon $XX,XXX.XX

(continued)

Personal Umbrella Coverage

000 000 000

050722500013A

00000OG207050722500000A00000000000000000000000000000

XXDEC-0615

Page 12 of X


(999) 999-9999


Additional Covered Exposures Effective Date Description/Address

Residence 00/00/0000 XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxDwelling XX/XX/XXXX XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxMotor Vehicle XX/XX/XXXX XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxBoat XX/XX/XXXX XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXx

Covered Exposures

Additional Covered Drivers Date of Birth

Joe Customer 12/XX/1974Jane Customer 00/XX/0000Ann Marie Customer 00/XX/0000Bob Customer 00/XX/0000Cindy Customer 00/XX/0000Jane Customer 00/XX/0000

Covered Drivers

"Covered exposures" for personal umbrella coverage are all previously described exposures and the abovementioned "additional covered exposures."

"Covered drivers" for personal umbrella coverage are all previously described drivers and the above mentioned"additional covered drivers." Drivers that are previously described as excluded drivers are not "covered drivers."

2008 BMW 328i discounts and charges that have been applied:• Package Discount

2010 GMC Yukon discounts and charges that have been applied:• Package Discount

2012 Honda Odyssey discounts and charges that have been applied:• Package Discount

Premiums• 2012 Honda XXXXXXXXXX $XX,XXX.XXBoat Premiums• XXXXXXXXXXXXXXX $XX,XXX.XXExcess Uninsured/Underinsured Motorists Premium for all Vehicles

Personal Umbrella Coverage (continued)

Your Total Personal Umbrella Premium $XX,XXX.XX

XXDEC-0615


(999) 999-9999

Page 13 of X

Mark GreenPresident

[Company name]’s Secretary and President have signed this policy with legal authority at Northbrook, Illinois. This policy is bindingwith the countersignature of an authorized [Company name] agent.

The coverages and limits shown in this coverage summary are subject to the restrictions, conditions, and exclusions of the policyand its endorsements.

Special InformationXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXx

Your policy is subject to the following forms and endorsementsForm number Ed. date TitleGX-00000-0 (00-00) XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxG1-10000-0* (00-00) XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxH1-10000-0 (00-00) XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXx

XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXx

Susan L. LeesSecretary

*For any insurance need, or questions on your policy, contact your independent agent, whose name and number are shown on the firstpage of this Coverage Summary.

Total Premium for Home $XX,XXX.XXTotal Premium for Dwelling Fire $XX,XXX.XXTotal Premium for Motor Vehicle (includes premium for all “Uninsured Motorists-type” coverages for $XX,XXX.XXall vehicles)Total Premium for Boat $XX,XXX.XXTotal Premium for Personal Umbrella $XX,XXX.XX

Total for All Exposures $XX,XXX.XX

Please read this important information concerning your policyForm number Ed. date TitleGX-00000-0 (00-00) XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxG1-10000-0 (00-00) XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxG1-70215-A* (04-01) XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxX00-000000-0* (00-00) XxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxXxThe forms marked with “*” reflect revised or new forms included with this coverage summary.

Summary of Your Policy’s Premiums

General Policy Information

000 000 000

050722500013A

00000OG207050722500000A00000000000000000000000000000

XXDEC-0615

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Policy EndorsementPolicy number: 999 999 999Policy effective date: September 2, 2014Your Encompass agency is Gannon Associates Inc

(999) 999-9999

Scheduled Tangible Personal Property EndorsementLocated at: 1234 Anystreet, Anytown, ST 00000-0000Effective Date: September 2, 2014

For an additional premium, we cover the classes of scheduled tangible personal property shown in theCoverage Summary indicated by a limit of insurance.

Fine ArtsDescription Limits

*D Item 1 description $3,450Item 2 description 3,005Item 3 description 3,120

Total of individual item limits per class $9,575

FursDescription Limits

Item 1 description $8,999

*D Stated value coverage and breakage coverage applies

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(999) 999-9999








XXXXXXX-A Ed. XX-XX








XXXXXXX Ed. XX-XX






XXXXXXX-A Ed. XX-XX

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Privacy NoticePolicy number: 999 999 999Policy effective date: September 2, 2014Your Encompass agency is Gannon Associates Inc

(999) 999-9999

Thank you for choosing Encompass. We value you, respect yourprivacy and work hard to protect your personal information.

This statement is provided on behalf of Encompass IndemnityCompany and the affiliates (“Encompass”) listed at the end ofthis notice. We would like to explain how we collect, use andshare the information we obtain about you in the course ofdoing business.

Our Privacy AssuranceLorem ipsum dolor sit amet, consectetur adipiscing elit.Vestibulum convallis interdum nunc ut tincidunt. Cras sapiennisi, tempor sed eros nec, mollis pulvinar nisi. Lorem ipsumdolor sit amet, consectetur adipiscing elit. Sed vitae gravidavelit.






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How We Use and Share Your Personal InformationPhasellus ex neque, faucibus sit amet nunc sed, aliquet ultricesipsum. Vestibulum bibendum molestie libero ut cursus. Loremipsum dolor sit amet, consectetur adipiscing elit. Suspendissecondimentum turpis quis mauris eleifend finibus. Suspendissescelerisque odio sed nisi cursus feugiat. In hac habitasse plateadictumst. Cras mattis et ligula eu tristique. Nunc dapibus turpismagna, ut maximus nisl facilisis id.


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<STATE> XXXXXX

Home PolicyPolicy number999 999 999

Policy effectiveSeptember 2, 2014

PolicyholdersJoe and Jane Customer 1234 AnytownAnystreet ST 00000-0000

Your Encompass agency isGannon Associates28 Main StreetTowanda ST 00000

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Home Coverage Change NoticesPolicy number: 999 999 999Policy effective date: September 2, 2014Your Encompass agency is Gannon Associates Inc

(999) 999-9999








XXXXXXX-A Ed. XX-XX








XXXXXXX Ed. XX-XX






XXXXXXX-A Ed. XX-XX

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Home EndorsementsPolicy number: 999 999 999Policy effective date: September 2, 2014Your Encompass agency is Gannon Associates Inc

(999) 999-9999

XxXxXxXxXxX Endorsement — XXXXXXLorem ipsum dolor sit amet, consectetur adipiscing elit.Vestibulum convallis interdum nunc ut tincidunt. Cras sapiennisi, tempor sed eros nec, mollis pulvinar nisi. Lorem ipsumdolor sit amet, consectetur adipiscing elit. Sed vitae gravidavelit.



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Documents

Joe and Jane Customer Gannon Associates