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Homeowners (Safeco Insurance Company of Illinois) Post Notification Prepared For: Insured Name: JEAN POWDEN 1605 11th St Lawrenceville, IL 62439-2601 Agent:
Policy#: OX5816537
INSURANCE ANSWER CENTER LLC PO BOX 261220 ENCINO, CA 91426-1220 Phone Number: (800) 495-6578 Agent #: 89-7404 Email: [email protected] Producer: TOMGER/NSC Date Prepared: 4/18/2009
An Important Notice Regarding Your Safeco Policy Safeco Insurance Company of Illinois is pleased to offer you insurance according to the price and terms stated on the Declarations Page of your policy. Because of regulations around the Fair Credit Reporting Act, we want to explain why you were not eligible for our best priced insurance product. In determining eligibility and what you pay for insurance, many factors are considered, including: Your claims history Eligibility for discounts Coverage limits Driving record (if auto or motorcycle insurance) Your insurance score Shown below are the reasons for the financial history factors that adversely affected your insurance score. IF NO REASONS ARE LISTED, YOUR INSURANCE SCORE IS NOT AN ADVERSE FACTOR IN YOUR PREMIUM DETERMINATION. Relationship of balance to high credit on bank/national accounts or other revolving/open accounts Accounts not paid as agreed Length of time (or unknown time) since account not paid as agreed or trade narrative reported Length of time accounts have been established Because this consumer information adversely affected your ability to obtain the most favorable price and terms for insurance available, Safeco Insurance Company of Illinois is providing this notice as required by the Fair Credit Reporting Act. The insurance score we use is based on information in your credit report provided by ChoicePoint. ChoicePoint can provide you with a free copy of your credit report if your insurance score was a factor in your premium increase. The credit bureau that compiled your report can assist you with any questions you might have about your report. Neither ChoicePoint nor the credit bureau made the premium determination, so they will not be able to answer questions regarding your insurance policy. If one or more reasons are listed above, the Fair Credit Reporting Act gives you certain rights regarding information about you. You have the right, under Section 612, to obtain a free copy of the report from ChoicePoint, as long as you request it within 60 days of receiving this letter. You also have the right, under Section 611, to dispute with them the accuracy or completeness of any information contained in the report. If corrections are made and you want us to Page 1 of 7
Homeowners (Safeco Insurance Company of Illinois) Policy#: OX5816537 reevaluate our decision using your updated score, we would be happy to do so. Please note, though, that the new result of your written request will be implemented, whether that leads to a lower or higher premium. To contact ChoicePoint: ChoicePoint Consumer Service Center P.O. Box 105108 Atlanta, GA 30348-5108 1-800-456-6004 www.consumerdisclosure.com When you contact ChoicePoint, use the following reference number: 09508160531991 Thank you for choosing Safeco. If you have any questions or would like to discuss your insurance options, please contact your Safeco agent. CN-7075/EP 2/06
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Homeowners (Safeco Insurance Company of Illinois) PROPERTY CERTIFICATE OF COVERAGE
Policy#: OX5816537
Policy Period: From 04/18/2009 To 4/18/2010 at 12:01 A.M. standard time at the address of the insured as stated herein. Date Prepared: 4/18/2009
Prepared For: JEAN POWDEN ROBERT POWDEN 1605 11th St Lawrenceville IL, 62439-2601
Agent: INSURANCE ANSWER CENTER LLC PO BOX 261220 ENCINO, CA 91426-1220 Phone Number: (800) 495-6578 Agent #: 89-7404 Producer: TOMGER/NSC Email: [email protected]
Dwelling Address:
1605 11th St Lawrenceville IL, 62439-2601
Territory: 102 Year Originally Built : 1958
All Perils Deductible: $1,000.00 COVERAGES Coverage A - Dwelling Coverage B - Other Structures Coverage C - Personal Property Coverage D - Loss of Use Coverage E - Personal Liability Coverage F - Medical Payments to Others OPTIONAL / INCLUDED COVERAGES Extended Dwelling Coverage Building Ordinance or Law Coverage Refrigerated Products Loss Assessment LIMITS $231,100 $23,110 $115,550 24 Months $300,000 $1,000
25% 10% Yes $5,000
DISCOUNTS & SURCHARGES Account Credit
Yes
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Homeowners (Safeco Insurance Company of Illinois)
Policy#: OX5816537 _____________ Your total annual premium is: $1,113.00
This is not a contract of insurance, but attests that a policy, as identified above, has been issued and is in force. Authorized Representative: __________________________________
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Homeowners (Safeco Insurance Company of Illinois) Insured Name: JEAN POWDEN Co Applicant: ROBERT POWDEN ADDITIONAL INTERESTS Name: CitiMortgage Inc - Mortgage Co #291 Its Its Successors And/Or Assigns PO Box 7706 Springfield, OH 45501
Policy#: OX5816537
Interest Type: Mortgage Servicing Agency for 1st Mortgagee Loan Number 5002729201-5 :
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Homeowners (Safeco Insurance Company of Illinois) MORTGAGEE DECLARATIONS (Original)
Policy#: OX5816537
Policy Period: From 04/18/2009 To 4/18/2010 at 12:01 A.M. standard time at the address of the insured as stated herein. Date Prepared: 4/18/2009
Prepared For: JEAN POWDEN ROBERT POWDEN 1605 11th St Lawrenceville IL, 62439-2601
Agent: INSURANCE ANSWER CENTER LLC PO BOX 261220 ENCINO, CA 91426-1220 Phone Number: (800) 495-6578 Agent #: 89-7404 Producer: TOMGER/NSC Email: [email protected]
Mortgage Servicing Agency: CitiMortgage Inc - Mortgage Co #291 Its Its Successors And/Or Assigns PO Box 7706 Springfield, OH 45501 Loan Number: 5002729201-5
Dwelling Address:
1605 11th St Lawrenceville IL, 62439-2601
Territory: 102 Year Originally Built : 1958
All Perils Deductible: $1,000.00 REQUIRED COVERAGES Section I I - Dwelling II - Other Structures III - Personal Property IV - Loss of Use Section II V - Personal Liability VI - Medical Payments to Others OPTIONAL / INCLUDED COVERAGES Page 6 of 7 LIMITS $231,100 $23,110 $115,550 24 Months $300,000 $1,000
Homeowners (Safeco Insurance Company of Illinois) Extended Dwelling Coverage Building Ordinance or Law Coverage Refrigerated Products Loss Assessment 25% 10% Yes $5,000
Policy#: OX5816537
DISCOUNTS & SURCHARGES Account Credit
Yes _____________ Your total annual premium is: $1,113.00
This is your homeowners declarations showing the period covered. Authorized Representative: __________________________________
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