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98 -BJ -G478-3 017984 M 17978 covered loss to property as described in Coverage A — Buildings that you do not own and which is your insurance responsi- bility according to the terms of a lease or rental agreement. We will decide if our payment for loss will be made to you or to the owner of the property. But we will not pay more than the applicable Limit Of In- surance of SECTION I — PROPERTY coverages shown in the Declarations 3. The following ars added to Paragraph 10. Transfer Of Rights Of Recovery Against Others To Us: Our right to recover our payments applies only after you have been fully compen- sated for damages. If we pay an insured, who is victim of do- mestic abuse, for a loss caused by an act of domestic abuse, the rights of that in- sured to recover damages from the perpe- trator of the abuse are transferred to us to the extent of our payment. That insured may not waive such rights to recover against the perpetrator of the domestic abuse. As used here, domestic abuse means intentionally, knowingly, or reck- lessly causing physical loss to covered property so as to intimidate or attempt to control the behavior of another insured. 4. The following is added: Cancellation a. (1) The first Named Insured shown in the Declarations may cancel this policy by notifying us or the insur- ance producer in one of the follow- ing ways: (a) Written notice by mail, fax or e- mail; (b) Surrender of the policy or binder; or (c) Verbal notice. (2) Upon receipt of such notice, we will cancel this policy or any binder is- sued as evidence of coverage, ef- fective on the later of the following: (a) The date on which notice is re- ceived or the policy or binder is surrendered; or (b) The date of cancellation requested by the first Named Insured. CMP -4247.1 Page 4 of 5 b. We may cancel this policy by mailing or delivering to the first Named Insured and the first Named Insured's agent written notice of cancellation at least: (1) Five days before the effective date of cancellation for any structure where bAo or more of the following cvndilions exist: (a) Without reasonable explana- tion, the structure is urlaccu- pied for more than 60 consecutive days, or at least 65% of the rental units are un- occupied for more than 120 consecutive days unless the structure is maintained for sea- sonal occupancy or is under construction or repair; (b) Without reasonable explana- tion, progress toward comple- tion of permanent repairs to the structure has not occurred within 60 days after receipt of funds following satisfactory ad- justment or adjudication of loss resulting from a fire,- (c) ire; (c) Because of its physical condi- tion, the structure is in danger of collapse; (d) Because of its physical condi- tion, a vacation or demolition order has been issued for the structure, or it has been de- clared unsafe in accordance with applicable law; (e) Fixed and salvageable items have been removed from the structure, indicating an intent to vacate the structure; (f) Without reasonable explana- tion, heat, water, sewer, and electricity are not furnished for the structure for 60 consecutive days; or (g) The structure is not maintained in substantial compliance with fire, safety and building codes. (2) 10 days before the effective date of cancellation if we cancel for non- payment of premium. ©, Copyright, State Farm Mutual Automobile Insurance Company, 2016 Includes copyrighted material of Insurance Services Office, Inc., with its permission CONTINUED