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1. Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting QUIT

2. Liability and Medical Payments coverage included:

Medical expenses

Cost of defense

Property damage

Legal Liability (for property of others)

Moral Obligation (when not legally liable)

Residential bodily injury

To others

Non-residential bodily injury

To others (coverage anywhere in the world)

Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting HOME QUIT No deductible applies 3.

Liability Limits:

$100,000

$200,000

$300,000

$500,000

$1,000,000

Medical Limits:

$1,000

$2,000

$5,000

$10,000

$25,000

HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting 4. Optional Liability Coverage

Farm land rented to others*

In-home business

Maintenance work, sale of household products, or barber/beauty shops

Personal Injury

Protects you against losses resulting from libel, slander, wrongful eviction and violation of privacy

Recreational motor vehicles

Watercraft*

Rental dwellings

Umbrella Liability Insurance Policy

$1 million or more of additional coverage is available

HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting At additional cost. *Varies by state. 5. Three Property Options:

Broad Form

Risk of Direct Physical Loss

Combination

Other Property Coverage Special Coverages HOME QUIT Subject to deductible Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting 6. Broad Form Provides coverage for losses caused by the following perils:

Fire or lightning

Removal of property

Windstorm or hail

Explosion

Riot or civil commotion

Aircraft

Vandalism and malicious mischief

Vehicles

Glass breakage

Falling objects

Weight of ice, snow or sleet

Volcanic eruption

Sudden and accidental tearing apart

Within heating or air conditioning system

Freezing of plumbing

Electrical damage

Accidental discharge or overflow

Within plumbing, heating or air conditioning system

HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting 7. Risk of Direct Physical Loss

Protects from all causes except those specifically excluded.

Provides Broad Form coverage plus losses such as:

Breakage of antiques

Breakage of bathroom fixtures

Countertop burns

Accidental paint spillage

Power surge damage to applicances

Ice damming

HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting 8. Combination

Risk of Direct Physical Loss coverage on your home

Broad Form coverage on your personal property.

HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting 9. Limitations

Money and other forms of currency up to $200

Securities, deeds and other personal papersup to $1,500

Jewelry, watches and fursup to $1,500

Firearms and related equipmentup to $2,500

Silverware, goldware and pewterwareup to $2,500

Electronic data processing equipmentup to $5,000

Watercraft, trailers and campers up to $1,500

Recreational motor vehicles up to $500

Property used in business (on residential premises)up to $2,500

Property used in business (off residential premises)up to $500

HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting 10. Other Property Coverage If you qualify, you are given these extra coverages at no charge

Additional living expenses

When your home is uninhabitable

Rental Value

For lost rental income

Auxiliary private structure

Garage, fence, storage shed

Reasonable repairs

Your expense in making temporary repairs

HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting Deductible applies 11. Other Property Coverage (contd) If you qualify, you are given these extra coverages at no charge

Lock coverage

Replaces locks on exterior doors when the keys are stolen.No deductible.

Collapse

Building ordinance coverage

Grave markers

Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting Deductible applies, unless otherwise noted 12. Optional Home and Personal Property Coverage

Sump Pump Failure and/or Back-up of Sewer or Drain

Earthquake Protection

Additional Replacement Cost

Inflation Protection

Mine Subsidence (IL only)

Replacement Cost Coverage on Personal Property

Physical Damage Coverage on Recreational Motor Vehicles

Physical Damage Coverage on Watercraft

Special Personal Property Increased Coverage

Loss Assessments from a Homeowners or Condo Association

Flood Insurance through the National Flood Insurance Program

HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting At additional cost 13. Optional Home and Personal Property Coverage (contd)

Higher limits for:

Building ordinance coverage

Property subject to the limitations listed

Specific coverages within the Package of Special Coverages (exceptions apply)

Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting At additional cost 14. Package of Special Coverages

Trees, shrubs, plants & lawn

Up to 5% of the dwelling value; $500 for any one tree, shrub or plant

Debris removal

Up to 5% of the damaged property

Debris removal of trees

Felled by wind that damage a covered structure or block the driveway; $500 limit

(No additional charge) Policy deductible applies to all coverages unless otherwise noted HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting 15.

Refrigerated products

Up to $500* on household items only; no deductible

Credit card and forgery

Up to $1,000*; no deductible

Fire department service

If charged, up to $500* (not available in AZ); no deductible

Package of Special Coverages (contd) Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting Policy deductible applies to all coverages unless otherwise noted *Higher Limits may be purchased 16. Premium Discounts*

Alarm Credit

If your home has:

fire alarms

smoke detectors

fire extinguishers

Dwelling Age Discount

The newer the home, the greater the discount

Age of Wiring Discount

*Availability and amount of discounts may vary by state HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting

sprinklers

deadbolt locks

burglar alarm

17. Premium Discounts* (contd)

Safe Heat Discount

If no wood-burning stoves or fireplace inserts.

Multi-Policy Discount

If you purchase home insurance plus one of our qualifying auto, life or disability insurance policies.

Roof Discount

For certain hail-resistant roofing products offering a manufacturers warranty (only available in CO, KS, MO, OK).

*Availability and amount of discounts may vary by state HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting 18.

$1,000

$2,000

$5,000

$10,000

Choice of Deductibles HOME QUIT Where the deductible applies, this is the amount you would pay before the policy pays for a loss: Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting 19. Convenient Claim Reporting

Toll-free COUNTRY Helpline at (800)846-0100,

24 hours a day, seven days a week.

HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting 20.

This presentation highlights the home insurance policy issued by COUNTRY Mutual Insurance Company or COUNTRY Casualty Insurance Company and is not an offer of insurance or a statement of contract. The policy, if issued, will set forth the rights and obligations of you and the issuing company. For a complete description of the policy provisions, exclusions, and limitations, please refer to the policy.

Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting

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