IMPORTANT SURCHARGE INFORMATION

NOTICE TO CALIFORNIA RESIDENTS:

California residents are required to participate in the California insurance Guarantee Association. If a company becomes insolvent, the California Insurance Guarantee Association settles unpaid claims and assesses each insurance company for its fair share. Therefore, we need to assess you a 2% surcharge. Should you make any changes in your coverage which may change your premium, please take this into consideration.

NOTICE TO KENTUCKY RESIDENTS:

Kentucky law requires insurance companies to charge all policies written for its residents a surcharge of 1.5%. We are also required to assess your policy with a municipality tax which is based on the location of your residence. Should you make any change in your coverage which may change your premium, please take this into consideration.

NOTICE TO WEST VIRGINIA RESIDENTS:

West Virginia law requires insurance companies to charge all policies written for its residents a surcharge of 1%. Should you make any changes in your coverage that will cause a change in your premium, please take this into consideration.

NOTICE TO NEW JERSEY RESIDENTS:

The New Jersey Property and Liability Insurance Guaranty Association requires insurance companies to charge all policies written for its residents a surcharge of .25%. Should you make any changes in your coverage that will cause a change in your premium, please take this into consideration.

GEN-191 rev. 2/03