SINCE 1905

Modified Policy added alarm credit Effective date of change: 11/09/2021

Named Insured & Address

LISA A. BOWLES 561 BARGER SPRINGS ROAD TALCOTT, WV 24981

SINCE 1905

Named Agent & Address

Hanshaw Insurance Agency, Inc. PO Box 100 Ronceverte, WV 24970 (304) 645-2639

0013002

Policy period - 12:01 A.M. and continuously thereafter only if the

From

To

Policy Number :

premium is received in the home office before expiration date.

03/27/2021

03/27/2022

Policy Type :

The residence premises covered by the policy is located at the above address unless otherwise stated:

HO20070111 Home Owners

561 BARGER SPRINGS ROAD TALCOTT WV 24981 SUMMERS COUNTY GPS Coordinates: 37.64126,-80.7501(*GPS data is per the above address location)

COVERAGES AND LIMITS OF LIABILITY

Section A. Residence I $ 125000

B. Private Structures

$ 12500

C. Personal Property

$ 62500

D. Additional Living Expense

$ 25000

Section L. Personal Liability

II

(Each Occurrence)

$ 100000

L. Med Payments to Others (Each person)

$ 1000

In case of loss under Section I, we cover only that part of the loss over the deductible amount

RATING INFORMATION

Form

Deductible

Form 2

$ 500

Construction Frame

Number of Families

1

Construction Year

1980

Protection Class

9

Territory 1

Manufacturer Size Serial #

Basic Policy Premium

$ 919

Additional Liab. Premium

$ 15

PREMIUM INFORMATION

Additional Premium Endorsement

$ 2

Total Policy Premium

$ 936

ADDITIONAL PREMIUM ENDORSEMENTS

Form

IDRFC-PL ML-216 ML-55

Ed.

1.0 2.0 2.0

Endorsement

Identity Recovery Coverage Premises alarm or fire protection system Replacement Value Loss Settlement Terms

Category a. Money b. Securities c. Jewelry - Furs d. Silverware e. Guns

Limit $ 250 $ 1,500 $ 2,500 * $ 2,500 * $ 2,500 *

SPECIAL LIMIT OF LIABLITY

(included at no additional cost)

Category f. Watercraft g. Trailers

* Applies to theft only

h. Business Property (1) On the Premises (2) Away from the premises

POLICY FORMS AND ENDORSEMENTS

Form 2 2.0 , ML-15 1.0 , ML-126 04-82 , ML-147 1.0 , ML-503 2.0 , ML-223 6.0 , ML-435 1.0 , GL-781 06-86 , ML-483 2.0 , ML-0689 10-03 , ML-0528 02-04 , ML-0527 09-04 , CL-0317 05-05 , ML-504 2.1 , ML-5500 09-13 , IDRFC-PL 1.0

Premium $23.00

($12.00) $50.00

Limit $ 1,500 $ 1,500

$ 2,500 $ 250

THIS POLICY DOES NOT COVER DAMAGE FROM FLOOD. FOR INFORMATION ABOUT FLOOD INSURANCE, CONTACT THE NATIONAL FLOOD INSURANCE PROGRAM OR YOUR INSURANCE AGENT.

THIS IS NOT A BILL

Insured Copy

40 Moran Circle, White Hall, WV 26554 1-800-654-0147

Authorized Signature

11/9/2021

Date

Modified Policy added alarm credit Effective date of change: 11/09/2021

Named Insured & Address

LISA A. BOWLES 561 BARGER SPRINGS ROAD TALCOTT, WV 24981

SINCE 1905

Named Agent & Address

Hanshaw Insurance Agency, Inc. PO Box 100 Ronceverte, WV 24970 (304) 645-2639

0013002

Policy period - 12:01 A.M. and continuously thereafter only if the premium is received in the home office before expiration date.

From

03/27/2021

To

Policy Number :

03/27/2022

Policy Type :

MORTGAGEE SCHEDULE

HO20070111 Home Owners

Subject to the stipulations, provisions, and conditions in the policy, the loss, if any, on the building items, is payable to:

Mortgagee

Loan #

Interest

WELLS FARGO BANK NA #936 It's Successors and / or Assigns PO BOX 100515 FLORENCE SC 295020515

0430303248

First Mortgagee

THIS POLICY DOES NOT COVER DAMAGE FROM FLOOD. FOR INFORMATION ABOUT FLOOD INSURANCE, CONTACT THE NATIONAL FLOOD INSURANCE PROGRAM OR YOUR INSURANCE AGENT.

THIS IS NOT A BILL

Insured Copy

40 Moran Circle, White Hall, WV 26554 1-800-654-0147

Authorized Signature

11/9/2021

Date

Paperless Statements

Now Available

40 Moran Circle, White Hall, WV 26554 Phone 304-366-1850

LISA A. BOWLES 561 BARGER SPRINGS ROAD TALCOTT, WV 24981

Farmers Mutual now has "Paperless Statements" available. To register for "Paperless Statements" you can go to our web site at . There is a link on the company home page that will display the insured login page or you can select the "for our customers" menu option on the left hand side of our webpage. When you login to the insured screen there is a button labeled "Paperless Statements Are Now Available. Click Here To Enroll." This will display the "Registration Screen" you will need to click on the "Register" button. The system will then request that you enter your e-mail address and click on the "Submit" button. Upon submission of your e-mail address Farmers Mutual will send an e-mail to the address that was submitted. When you receive the e-mail from Farmers Mutual you will need to click on the link in the e-mail. This will display a verification screen where you will need to click on the "Verification" button. You will now be registered and verified for "Paperless Statements". You will then receive an e-mail from Farmers Mutual completing the verification process. Once you enroll for paperless statements, Farmers Mutual will stop sending the insured paper renewals, installment notices, final reminders and other documents. FARMERS MUTUAL WILL HOWEVER CONTINUE TO MAIL OUT PAPER CANCELLATION AND REINSTATEMENT NOTICES.



HO20070111

AAIS ML-216 Ed 2.0 Page 1 of 1

This endorsement changes the policy

-- PLEASE READ THIS CAREFULLY --

PROTECTIVE DEVICES

The premium for this policy includes a credit for:

1.

a fire or burglar alarm;

2.

an automatic sprinkler system; or

3.

another protective device described on the "declarations"

that is installed on the "insured premises". The device must be approved by "us".

"You" agree to maintain the device in working order and to notify "us" promptly when it becomes inoperative or has been removed.

ML-216 Ed 2.0

Copyright MCMXCV, American Association of Insurance Services

Document Recipient Name & Address

WELLS FARGO BANK NA #936 PO BOX 100515 FLORENCE, SC 295020515

Modified Policy added alarm credit Effective date of change: 11/09/2021

SINCE 1905

Named Insured & Address LISA A. BOWLES 561 BARGER SPRINGS ROAD TALCOTT, WV 24981

Policy period - 12:01 A.M. and continuously thereafter only if the

From

To

Policy Number :

premium is received in the home office before expiration date.

03/27/2021

03/27/2022

Policy Type :

The residence premises covered by the policy is located at the above address unless otherwise stated:

HO20070111 Home Owners

561 BARGER SPRINGS ROAD TALCOTT WV 24981 SUMMERS COUNTY GPS Coordinates: 37.64126,-80.7501(*GPS data is per the above address location)

COVERAGES AND LIMITS OF LIABILITY

Section A. Residence I $ 125000

B. Private Structures

$ 12500

C. Personal Property

$ 62500

D. Additional Living Expense

$ 25000

Section L. Personal Liability

II

(Each Occurrence)

$ 100000

L. Med Payments to Others (Each person)

$ 1000

In case of loss under Section I, we cover only that part of the loss over the deductible amount

RATING INFORMATION

Form

Deductible

Form 2

$ 500

Construction Frame

Number of Families

1

Construction Year

1980

Protection Class

9

Territory 1

Manufacturer Size Serial #

Basic Policy Premium

$ 919

Additional Liab. Premium

$ 15

PREMIUM INFORMATION

Additional Premium Endorsement

$ 2

Total Policy Premium

$ 936

ADDITIONAL PREMIUM ENDORSEMENTS

Form

IDRFC-PL ML-216 ML-55

Ed.

1.0 2.0 2.0

Endorsement

Identity Recovery Coverage Premises alarm or fire protection system Replacement Value Loss Settlement Terms

Category a. Money b. Securities c. Jewelry - Furs d. Silverware e. Guns

Limit $ 250 $ 1,500 $ 2,500 * $ 2,500 * $ 2,500 *

SPECIAL LIMIT OF LIABLITY

(included at no additional cost)

Category f. Watercraft g. Trailers

* Applies to theft only

h. Business Property (1) On the Premises (2) Away from the premises

POLICY FORMS AND ENDORSEMENTS

Form 2 2.0 , ML-15 1.0 , ML-126 04-82 , ML-147 1.0 , ML-503 2.0 , ML-223 6.0 , ML-435 1.0 , GL-781 06-86 , ML-483 2.0 , ML-0689 10-03 , ML-0528 02-04 , ML-0527 09-04 , CL-0317 05-05 , ML-504 2.1 , ML-5500 09-13 , IDRFC-PL 1.0

Premium $23.00

($12.00) $50.00

Limit $ 1,500 $ 1,500

$ 2,500 $ 250

THIS POLICY DOES NOT COVER DAMAGE FROM FLOOD. FOR INFORMATION ABOUT FLOOD INSURANCE, CONTACT THE NATIONAL FLOOD INSURANCE PROGRAM OR YOUR INSURANCE AGENT.

THIS IS NOT A BILL

Mortgagee Copy

40 Moran Circle, White Hall, WV 26554 1-800-654-0147

Authorized Signature

11/9/2021

Date

 ................
................

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