OIC30107679-03 Policy Renewal

--- ## Page 1 THINK AHEAD. THINK OLYMPUS. OLYMPUS INSURANCE COMPANY HOMEOWNERS RENEWAL DECLARATION POLICY OIC30107679-03 WITH AGENCY 3002750 FOR POLICY PERIOD 07/28/2025 THRU 07/28/2026 For Homeowners with high expectations. 800.711.9386 | olympusinsurance.com **POLICYHOLDER** Elizabeth Shafer Richard Shafer 1285 Gasparilla Dr Ne St. Petersburg, FL 33702-2743 **AGENCY CONTACT** SAN of Florida 1 Beach Dr Se Suite 230 Saint Petersburg, FL 33701 (727) 526-5707 You can access your Olympus Insurance information 24/7 by logging into our Insured Portal at insuredportal.oiconnect.com or by visiting OlympusInsurance.com. Thank you for being an Olympus Policyholder! Remember to download the app on your mobile device for convenient access for future payments, renewals, filing a claim and more. LOCATION OF PROPERTY INSURED 1285 Gasparilla Dr Ne St. Petersburg, FL 33702-2743 The policy period begins and ends at 12:01 AM standard time at the insured location. | BASIC COVERAGES PREMIUM | ATTACHED ENDORSEMENTS PREMIUM | POLICY CREDITS | POLICY FEES/ TAXES | POLICY ASSESSMENT | TOTAL POLICY PREMIUM | |---|---|---|---|---|---| | $7,754.00 | $1,156.00 | $-10.00 | $27.00 | $87.00 | $8,835.00 | DEDUCTIBLE INFORMATION | FORM TYPE | ALL OTHER PERILS DEDUCTIBLE | HURRICANE DEDUCTIBLE | NON-HURRICANE WIND | |---|---|---|---| | HO-3 | $10,000 | 3% = $43,939 | $10,000 | Hurricane Deductible is percentage of Coverage A OIC DEC 02 23 INSURED COPY Page 1 --- ## Page 2 THINK AHEAD. THINK OLYMPUS. OLYMPUS INSURANCE COMPANY HOMEOWNERS RENEWAL DECLARATION POLICY OIC30107679-03 WITH AGENCY 3002750 FOR POLICY PERIOD 07/28/2025 THRU 07/28/2026 For Homeowners with high expectations. 800.711.9386 | olympusinsurance.com **POLICYHOLDER** Elizabeth Shafer Richard Shafer 1285 Gasparilla Dr Ne St. Petersburg, FL 33702-2743 **AGENCY CONTACT** SAN of Florida 1 Beach Dr Se Suite 230 Saint Petersburg, FL 33701 (727) 526-5707 COVERAGE LIMITS AND PREMIUMS - SECTION I | Coverage A - Dwelling | $1,464,648 | $8,075.55 | | --- | --- | --- | | Coverage B - Other Structures | $29,293 | Included | | Coverage C - Personal Property | $366,161 | $366.00 | | Coverage D - Loss of Use | $146,465 | Included | | Hurricane Premium | $4,452.51 | Included | | Non-Hurricane Premium | $3,301.49 | Included | | Ordinance or Law | 25% | Included | COVERAGE LIMITS AND PREMIUMS - SECTION II | Coverage E - Personal Liability | $500,000 | $44.00 | | --- | --- | --- | | Coverage F - Medical Payments to Others | $5,000 | Included | POLICY CHARGES AND CREDITS | Emergency Management Trust Fund Surcharge | $2.00 | | --- | --- | | FIGA Surcharge | $87.00 | | MGA Policy Fee | $25.00 | | Premium Reduction HB 7073 | $-179.00 | | Mitigation Credit | $-49,270.72 | | Total Discounts | $-55.04 | | Claims Free Renewal Discount | Included | | Paperless Discount | Included | MORTGAGEE(S) | Mortgagee 1 / Loan #:8028066705 | PO BOX 100598 | | --- | --- | | NAVY FEDERAL CREDIT UNION | FLORENCE, SC 29502 | | Mortgagee 2 / Loan #:012011958180 | Po Box 69019 | | Hancock Bank Isaoa Atima | San Antonio, TX 78269 | POLICY FORMS AND ENDORSEMENTS | NUMBER | DATE | LIMIT | PREMIUM | | --- | --- | --- | --- | | OL HO LRC | 12-23 | Limitations on Roof Coverage | | OIC DEC 02 23 INSURED COPY Page 2 --- ## Page 3 THINK AHEAD. THINK OLYMPUS. OLYMPUS INSURANCE COMPANY HOMEOWNERS RENEWAL DECLARATION POLICY OIC30107679-03 WITH AGENCY 3002750 FOR POLICY PERIOD 07/28/2025 THRU 07/28/2026 For Homeowners with high expectations. 800.711.9386 | olympusinsurance.com POLICYHOLDER Elizabeth Shafer Richard Shafer 1285 Gasparilla Dr Ne St. Petersburg, FL 33702-2743 AGENCY CONTACT SAN of Florida 1 Beach Dr Se Suite 230 Saint Petersburg, FL 33701 (727) 526-5707 OL HO NCPT 08-24 Notice of Change in Policy Terms Important Notice - 08-23 Important Notice - Emergency Mitigation Services EMS 08 23 OL J1 07-14 Homeowners Policy Jacket OL GLB 06-13 Privacy Policy OL OC 05-19 Homeowners Policy Outline of Coverage OL HO LO 06-07 Ordinance or Law Coverage Notification Form OL HO DO 05-22 Deductible Options Notice HO3 IDX 06-07 Homeowners 3 - Policy Index HO 00 03 10-00 Homeowners 3 - Special Form HO 03 34 05-03 Limited Fungi, wet or dry rot, or bacteria. Section II OL HO 03 53 08-22 Non-Hurricane Wind Deductible OL HO 03 52 08-23 Calendar Year Hurricane deductible HO 04 96 11-22 Coverages for Home Day Care Business IL P 001 01-04 OFAC Advisory Notice OL HO SPEX 12-23 Solar Exclusion OIR-B1-1655 02-10 Notice of Premium Discounts of Hurricane Loss Mitigation OIR-B1-1670 01-06 Checklist of Coverage OL HO 101 02-22 Animal Liability Exclusion Endorsement OL HO 140 12-13 Catastrophic Ground Cover Collapse Notice OL HO 153 09-14 Diving Board and Pool Slide Liability Limitation OL HO 01 17 06-21 Communicable Disease Exclusion OL HO 04 90 06-07 Personal Property Replacement Cost OL HO 100 08-24 Special Provisions - Florida $1,156.00 ***Coverage is provided where premium and limit of liability are shown. Flood coverage is not provided by this policy. OIC DEC 02 23 INSURED COPY Page 3 --- ## Page 4 ### OLYMPUS INSURANCE COMPANY # HOMEOWNERS RENEWAL DECLARATION POLICY OIC30107679-03 WITH AGENCY 3002750 FOR POLICY PERIOD 07/28/2025 THRU 07/28/2026 For Homeowners with high expectations. 800.711.9386 | olympusinsurance.com **POLICYHOLDER** Elizabeth Shafer Richard Shafer 1285 Gasparilla Dr Ne St. Petersburg, FL 33702-2743 **AGENCY CONTACT** SAN of Florida 1 Beach Dr Se Suite 230 Saint Petersburg, FL 33701 (727) 526-5707 **LAW AND ORDINANCE:** LAW AND ORDINANCE COVERAGE IS AN IMPORTANT COVERAGE THAT YOU MAY WISH TO PURCHASE. PLEASE DISCUSS WITH YOUR INSURANCE AGENT. **FLOOD INSURANCE:** YOU SHOULD CONSIDER THE PURCHASE OF FLOOD INSURANCE. YOUR HOMEOWNER'S INSURANCE POLICY DOES NOT INCLUDE COVERAGE FOR DAMAGE RESULTING FROM FLOOD EVEN IF HURRICANE WINDS AND RAIN CAUSED THE FLOOD TO OCCUR. WITHOUT SEPARATE FLOOD INSURANCE COVERAGE, YOUR UNCOVERED LOSSES CAUSED BY FLOOD ARE NOT COVERED. PLEASE DISCUSS THE NEED TO PURCHASE SEPARATE FLOOD INSURANCE COVERAGE WITH YOUR INSURANCE AGENT. THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR HURRICANE LOSSES, WHICH MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU. YOUR POLICY PROVIDES COVERAGE FOR A CATASTROPHIC GROUND COVER COLLAPSE THAT RESULTS IN THE PROPERTY BEING CONDEMNED AND UNINHABITABLE. OTHERWISE, YOUR POLICY DOES NOT PROVIDE COVERAGE FOR SINKHOLE LOSSES. YOU MAY PURCHASE ADDITIONAL COVERAGE FOR SINKHOLE LOSSES FOR AN ADDITIONAL PREMIUM. OIC DEC 02 23 INSURED COPY Page 4 --- ## Page 5 THINK AHEAD. THINK OLYMPUS. OLYMPUS INSURANCE COMPANY HOMEOWNERS RENEWAL DECLARATION POLICY OIC30107679-03 WITH AGENCY 3002750 FOR POLICY PERIOD 07/28/2025 THRU 07/28/2026 For Homeowners with high expectations. 800.711.9386 | olympusinsurance.com **POLICYHOLDER** Elizabeth Shafer Richard Shafer 1285 Gasparilla Dr Ne St. Petersburg, FL 33702-2743 **AGENCY CONTACT** SAN of Florida 1 Beach Dr Se Suite 230 Saint Petersburg, FL 33701 (727) 526-5707 PURSUANT TO SECTION 627.70132, FLORIDA STATUTES, LOSS OR DAMAGE CAUSED BY ANY PERIL OTHER THAN SINKHOLE IS NOT COVERED UNLESS NOTICE OF THE CLAIM, "SUPPLEMENTAL CLAIM", OR "REOPENED CLAIM" IS PROVIDED TO US IN ACCORDANCE WITH THE POLICY CONDITIONS: WITHIN (1) YEAR FROM THE DATE OF LOSS FOR ANY CLAIM OR "REOPENED CLAIM", AND WITHIN (18) MONTHS FROM THE DATE OF LOSS FOR ANY "SUPPLEMENTAL CLAIM", AS DEFINED IN THE STATUTE. FOR CLAIMS RESULTING FROM HURRICANES, TORNADOES, WINDSTORMS, SEVERE RAIN, OR OTHER WEATHER-RELATED EVENTS, THE DATE OF LOSS IS THE DATE THAT THE HURRICANE MADE LANDFALL OR THE TORNADO, WINDSTORM, SEVERE RAIN, OR OTHER WEATHER-RELATED EVENT IS VERIFIED BY THE NATIONAL OCEANIC AND ATMOSPHERIC ADMINISTRATION. A rate adjustment of 9.9% credit is included to reflect the building code enforcement score in your area. Adjustments range from 2% surcharge to 13% credit. A rate adjustment of 79.0% credit is included to reflect the Windstorm Mitigation Device Credit. This credit applies only to the wind portion of your premium. Adjustments range from 0% to 90% credit. Property coverage limit increased at renewal by an inflation factor measured by the ISO Home Value Index. The amount of premium decrease due to approved rate increase is $-1,386.00 The amount of premium increase due to coverage changes is $299.00 THIS REPLACES ALL PREVIOUSLY ISSUED POLICY DECLARATIONS, IF ANY. THIS POLICY APPLIES ONLY TO LOSS WHICH OCCURS DURING THE POLICY PERIOD SHOWN ABOVE. AUTHORIZED COUNTER SIGNATURE DATE 06/03/2025 OIC DEC 02 23 INSURED COPY Page 5 --- ## Page 6 ###