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<br />- <br /> <br />'\ <br />I <br /> <br />COMMERCIAL PROPERTY COVERAGE SECTION <br /> <br />INSURER (*) <br />Preferred Governmental Insurance Trust, Not Rated by A.M. Best <br /> <br />COVERAGE LIMITS (*) <br />35,713,210 Building & Contents Limit, per attached schedule - Blanket <br /> <br />* <br /> <br />Coverage Umits must be ultimately chosen by the Insured. . We as Agents cannot recommend <br />the adequate limit of protection. Higher limits may be available. Please let us know if a quote is <br />desirod. <br /> <br />COVERAGE TERMS AND CONDITIONS <br />Covered Losses Special Perils Coverage Including Flood & Mechanical Breakdown <br /> <br />Valuation <br /> <br />Replacement Cost <br /> <br />Coinsurance <br /> <br />Nil <br /> <br />Deductible <br /> <br />o $5,000 All perils per occurrence except as stated below: <br />o 5% Named Windstorm Deductible Per Occurrence subject to a <br />minimum of $20,000 (*) <br /> <br />Exclusions <br /> <br />Exclusions include, but are not limited to, the following: <br />War and Terrorism (**) <br />Earthquake <br /> <br />(*) This Wind & Hail Deductible can be reduced to a lower deductible <br />through the purchase of a Windstorm Deductible "Buy-Back" policy <br />which is available in the Excess & Surplus Lines market. The annual <br />cost is approximately $15.00 PER $100 of coverage (the amount of <br />buy-down). <br /> <br />(**) See Premium Summary Page for an option to include Terrorism <br />Coverage as outlined in the Federal Terrorism Act 2002 <br /> <br />Brown & Brown of Florida - Miami Division <br /> <br />11 <br /> <br />Proposal No. 11-08-01 <br />