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+export const PROPERTY_INSURANCE_POLICY = `HARPER VALLEY PROPERTY INSURANCE
+COMPREHENSIVE RESIDENTIAL PROGRAM MANUAL
+
+1. COMPANY OVERVIEW
+
+Harper Valley Property Insurance (“HVPI,” “we,” “us,” “our”) is a property and casualty carrier specializing in residential property risks. This document describes the principal policy forms offered, the coverages provided, common exclusions and limitations, optional endorsements, and the standard pricing framework for residential policyholders.
+
+Nothing in this document constitutes legal advice or an actual insurance contract. In practice, coverage is determined solely by the terms and conditions of the issued policy and applicable law. The provisions described here are subject to change based on regulatory requirements, underwriting guidelines, and product updates.
+
+2. POLICY PORTFOLIO OVERVIEW
+
+HVPI offers the following core policy types in its Residential Program:
+
+1. HV-HO1 – Essential Homeowners Policy
+   - For owner-occupied, 1–2 family dwellings.
+   - Named-peril form with basic coverage at an economical price.
+
+2. HV-HO3 – Comprehensive Homeowners Policy
+   - For owner-occupied, 1–4 family dwellings.
+   - “All-risk” (open-peril) coverage on the dwelling, named-peril on personal property, subject to exclusions.
+
+3. HV-CO – Condominium Unit Owners Policy
+   - For owner-occupied or secondary residence condominium units.
+   - Covers unit interior, improvements and betterments, personal property, and loss assessment exposures.
+
+4. HV-RT – Renters Policy
+   - For tenants occupying residential units.
+   - Covers personal property and personal liability; no building coverage.
+
+5. HV-LP – Landlord Residential Policy
+   - For non-owner-occupied 1–4 family dwellings.
+   - Provides building coverage, loss of rents, and optionally premises liability.
+
+6. HV-PR – Personal Residential Umbrella
+   - Excess personal liability coverage over qualifying underlying policies (e.g., HV-HO3, HV-RT, personal auto).
+
+7. HV-HV – High-Value Home Program
+   - For custom or high-value homes with Coverage A of $1,500,000 or greater.
+   - Broader limits, higher sublimits, and tailored endorsements for affluent risks.
+
+In addition, HVPI offers endorsements and ancillary coverages that may be attached to these core policies, subject to eligibility and underwriting approval.
+
+3. KEY DEFINITIONS
+
+Unless modified by endorsement, the following terms apply to all HVPI residential policies:
+
+3.1 Actual Cash Value (ACV)
+The cost to repair or replace covered property with similar kind and quality, less deduction for physical depreciation, wear, and obsolescence.
+
+3.2 Additional Living Expense (ALE)
+The reasonable increase in living costs necessary to maintain the household’s normal standard of living when a covered loss makes the residence premises uninhabitable.
+
+3.3 Bodily Injury
+Bodily harm, sickness, or disease, including resulting death, sustained by a person.
+
+3.4 Deductible
+The amount the insured must bear on each covered loss, as shown in the Declarations, before HVPI pays any benefit.
+
+3.5 Declarations (Dec Page)
+The front pages of the policy detailing the insured name, address, policy period, coverages, limits, deductibles, forms, endorsements, and premium.
+
+3.6 Dwelling
+The building structure identified as the residence premises in the Declarations, including attached structures.
+
+3.7 Endorsement (Rider)
+A form that modifies the insurance contract by adding, restricting, or clarifying coverage.
+
+3.8 Exclusion
+A provision specifying what is not covered under the policy.
+
+3.9 Insured / You / Your
+The Named Insured shown in the Declarations and, if a personal lines policy, members of the household who qualify as insureds under the policy’s definition.
+
+3.10 Named Perils
+Specific causes of loss listed in the policy (e.g., fire, lightning, windstorm, theft).
+
+3.11 Open-Peril (All-Risk)
+Coverage for direct physical loss to property unless the cause of loss is excluded.
+
+3.12 Personal Property
+Tangible property owned or used by an insured that is not permanently attached to the dwelling.
+
+3.13 Residence Premises
+The address or location shown in the Declarations where the insured resides and which is covered under the policy.
+
+3.14 Replacement Cost (RC)
+The cost to repair or replace damaged property with materials of like kind and quality without deduction for depreciation, subject to the terms of the Replacement Cost loss settlement provision.
+
+4. GENERAL POLICY CONDITIONS (APPLICABLE TO ALL FORMS)
+
+4.1 Policy Period and Territory
+The policy applies only to losses occurring:
+- During the policy period shown on the Declarations; and
+- Within the policy territory (the United States and Canada, unless otherwise stated).
+
+4.2 Insurable Interest and Limit of Liability
+HVPI will not pay more than the insured’s financial interest in the property. The total liability for any one occurrence will not exceed:
+- The applicable limit of liability stated on the Declarations; and
+- Any applicable sublimit, endorsement, or aggregate limit.
+
+4.3 Deductibles
+A standard deductible applies per occurrence for property coverages unless a separate deductible (e.g., wind/hail, hurricane, earthquake) is specified. No deductible applies to Coverage E – Personal Liability under standard forms, unless otherwise endorsed.
+
+4.4 Cancellation and Nonrenewal
+The Named Insured may cancel at any time by written notice. HVPI may cancel or nonrenew only in accordance with:
+- The specific policy provisions; and
+- Applicable jurisdictional law (such as nonpayment of premium, material misrepresentation, or substantial change in risk).
+
+4.5 Concealment, Misrepresentation, or Fraud
+Coverage may be void as to any insured who, whether before or after a loss, has:
+- Intentionally concealed or misrepresented a material fact; or
+- Engaged in fraudulent conduct relating to insurance or a claim.
+
+4.6 Liberalization Clause
+If HVPI adopts a revision that broadens coverage without additional premium during the policy period, the broadening will automatically apply to the insured’s policy as of the date the revision is effective.
+
+4.7 Assignment
+Assignment of the policy is not valid unless HVPI provides written consent.
+
+5. POLICY FORMS AND CORE COVERAGE STRUCTURE
+
+5.1 HV-HO1 – Essential Homeowners Policy
+
+5.1.1 Eligible Risks
+- 1–2 family primary residences.
+- Standard construction (frame, masonry, or superior).
+- Owner-occupied at least 9 months per year, unless otherwise approved.
+
+5.1.2 Covered Property and Limits (Typical Defaults)
+Coverage structure (modifiable on Declarations):
+
+Coverage A – Dwelling:
+- User-selected limit, minimum $100,000.
+
+Coverage B – Other Structures:
+- 10% of Coverage A by default.
+
+Coverage C – Personal Property:
+- 50% of Coverage A by default.
+
+Coverage D – Loss of Use (ALE):
+- 20% of Coverage A by default.
+
+Coverage E – Personal Liability:
+- $100,000 per occurrence baseline; options up to $500,000.
+
+Coverage F – Medical Payments to Others:
+- $1,000 per person baseline; options up to $5,000.
+
+5.1.3 Perils Insured Against
+Coverage A & B (Dwelling/Other Structures): Named perils, including:
+- Fire or lightning
+- Windstorm or hail
+- Explosion
+- Smoke
+- Aircraft or vehicles
+- Riot or civil commotion
+- Vandalism or malicious mischief
+- Theft
+- Volcanic eruption
+
+Coverage C (Personal Property): Same named perils, subject to additional theft restrictions for property away from the premises.
+
+5.1.4 Notable Exclusions (Partial List)
+- Flood, surface water, storm surge.
+- Earth movement, landslide, sinkhole (unless endorsed).
+- Wear and tear, deterioration, mechanical breakdown.
+- Mold, fungus, wet or dry rot (unless endorsed, often sublimited).
+- Ordinance or law beyond limited additional coverage.
+
+5.2 HV-HO3 – Comprehensive Homeowners Policy
+
+The flagship form with broader property coverage.
+
+5.2.1 Covered Property and Limits (Typical Defaults)
+
+Coverage A – Dwelling:
+- User-selected limit, minimum $150,000.
+
+Coverage B – Other Structures:
+- 10% of Coverage A.
+
+Coverage C – Personal Property:
+- 60% of Coverage A.
+
+Coverage D – Loss of Use (ALE):
+- 30% of Coverage A.
+
+Coverage E – Personal Liability:
+- $300,000 baseline; options $100,000–$1,000,000.
+
+Coverage F – Medical Payments:
+- $5,000 per person baseline; options $1,000–$10,000.
+
+5.2.2 Perils Insured Against
+Coverage A & B (Dwelling/Other Structures):
+- Open-peril (all-risk) coverage for direct physical loss to property, subject to exclusions.
+
+Coverage C (Personal Property):
+- Named-peril coverage including, but not limited to:
+  - Fire, lightning, windstorm, hail, theft, accidental discharge of water or steam from plumbing or HVAC systems, falling objects, weight of ice or snow, sudden and accidental tearing apart of heating or air conditioning systems, and similar hazards specified in the policy.
+
+5.2.3 Important Sub-Limits for Personal Property (Typical Defaults)
+- Jewelry, watches, furs: $1,500 per occurrence for theft.
+- Firearms: $2,500 per occurrence.
+- Silverware, goldware, pewterware: $2,500 per occurrence for theft.
+- Business property on premises: $2,500; off premises: $500.
+- Cash, coins, and similar monetary property: $200.
+
+These sublimits may be increased via scheduled personal property endorsements.
+
+5.2.4 Loss Settlement Provisions
+Coverage A & B:
+- Replacement Cost (RC) if the insured maintains Coverage A at least 80% of the full replacement cost of the dwelling at time of loss; otherwise, coinsurance may apply.
+
+Coverage C:
+- Actual Cash Value (ACV) by default.
+- Optional Replacement Cost on personal property available for additional premium.
+
+5.2.5 Additional Coverages (Selected)
+Included without additional premium, subject to internal limits:
+- Debris Removal (may provide up to 5% of Coverage A in additional coverage).
+- Reasonable Repairs to protect the property after a covered loss.
+- Trees, Shrubs, and Plants (up to 5% of Coverage A, maximum $500 per item).
+- Ordinance or Law (10% of Coverage A, unless increased by endorsement).
+- Credit Card, Forgery, and Counterfeit Money (up to $1,000).
+- Loss Assessment (condo/HOA-related assessments, up to $1,000; higher limits by endorsement).
+
+5.3 HV-CO – Condominium Unit Owners Policy
+
+5.3.1 Coverage Components
+- Coverage A – Unit interior, fixtures, and improvements & betterments.
+- Coverage C – Personal Property.
+- Coverage D – Loss of Use.
+- Coverage E – Personal Liability.
+- Coverage F – Medical Payments.
+- Special Coverage – Loss Assessment for condominium association exposures.
+
+Coverage A is typically selected between $25,000 and $250,000 depending on the association’s master policy and allocation of responsibility for interior elements.
+
+5.4 HV-RT – Renters Policy
+
+Provides Coverage C, D, E, and F only. There is no dwelling structure coverage for tenants.
+
+Typical ranges:
+- Coverage C – Personal Property: $15,000 to $250,000.
+- Coverage D – Loss of Use: 30% of Coverage C.
+- Coverage E – Personal Liability: $100,000–$500,000.
+- Coverage F – Medical Payments: $1,000–$5,000 per person.
+
+5.5 HV-LP – Landlord Residential Policy
+
+Designed for non-owner-occupied residential dwellings (1–4 units).
+
+Coverage elements:
+- Coverage A – Dwelling (RC or ACV depending on selected form and endorsements).
+- Coverage B – Other Structures.
+- Coverage D-LR – Loss of Rents (usually 20% of Coverage A, extendable to 40%).
+- Premises Liability – Optional coverage with limits generally from $100,000 to $1,000,000.
+
+5.6 HV-HV – High-Value Home Program
+
+Key differences versus HV-HO3:
+- Higher standard sublimits for personal property:
+  - Jewelry: $5,000 per item, $25,000 per occurrence (subject to underwriting).
+  - Fine arts: blanket coverage with optional itemization.
+- Broader worldwide coverage for personal property and personal liability.
+- More generous additional living expense (up to 36–48 months).
+- Risk-specific underwriting, factoring in age of home, upgrades, specialized construction, and private fire protection arrangements.
+
+6. MAJOR EXCLUSIONS (ALL FORMS – NON-EXHAUSTIVE)
+
+Unless specifically endorsed, the following exclusions commonly apply across all forms:
+
+6.1 Flood and Surface Water
+Loss or damage from flood, surface water, waves, storm surge, overflow of any body of water, or spray from such sources.
+
+6.2 Earth Movement
+Earthquake, landslide, mine subsidence, sinkhole collapse, or other earth movement (unless covered by specific endorsement).
+
+6.3 War and Nuclear Hazard
+Loss or damage caused by war, warlike actions, insurrection, rebellion, nuclear reaction, nuclear radiation, or radioactive contamination.
+
+6.4 Intentional Loss
+Any loss resulting from intentional or criminal acts of an insured.
+
+6.5 Neglect
+Failure of the insured to use reasonable means to save and preserve property following a loss.
+
+6.6 Wear and Tear / Deterioration
+Including rust, corrosion, smog, dry rot, settling, shrinking, bulging, or expansion, mechanical breakdown, or inherent vice.
+
+6.7 Governmental Action
+Confiscation, seizure, or destruction by order of governmental or public authority.
+
+6.8 Mold, Fungi, Wet or Dry Rot
+Except as specifically provided under limited additional coverage, often subject to a separate sublimit (e.g., $5,000–$10,000) and special conditions.
+
+7. OPTIONAL ENDORSEMENTS
+
+Availability, form, and pricing vary by state, territory, and underwriting guidelines. Examples include:
+
+7.1 Scheduled Personal Property (HV-SPP)
+For high-value items such as jewelry, fine arts, musical instruments, cameras, and collectibles.
+- Typically open-peril, worldwide coverage.
+- No deductible, agreed value or itemized limits per article.
+
+7.2 Water Backup and Sump Overflow (HV-WB)
+Coverage for water damage from backup of sewers or drains, or sump pump overflow.
+- Offered with sublimits such as $5,000, $10,000, $25,000 per occurrence.
+
+7.3 Equipment Breakdown (HV-EB)
+Coverage for damage from mechanical or electrical breakdown of household systems and appliances, such as HVAC, boilers, and electrical panels.
+
+7.4 Service Line Coverage (HV-SL)
+Coverage for buried piping and electrical lines from the street or utility connection to the dwelling (e.g., water, sewer, power lines), subject to specific exclusions and conditions.
+
+7.5 Identity Theft Expense (HV-ID)
+Limited reimbursement for expenses incurred due to identity theft, such as costs of notarizing affidavits, certified mail, and certain lost wages.
+
+7.6 Short-Term Rental / Home-Sharing (HV-STR)
+Modifies exclusions applicable to business use and provides limited coverage tailored to home-sharing or short-term rental exposures, subject to restrictions and occupancy limits.
+
+7.7 Ordinance or Law Enhancement (HV-OL)
+Increases the percentage of Coverage A available for increased costs due to enforcement of building codes or ordinances during repair or reconstruction after a covered loss.
+
+7.8 Earthquake (HV-EQ) and Flood (HV-FL)
+Separate endorsements or companion policies for earthquake and flood risks, with their own rating, underwriting, and deductibles.
+
+8. PRICING FRAMEWORK
+
+Pricing is determined using a combination of:
+- Base rates per $1,000 of Coverage A for the dwelling.
+- Territory rating (geographic risk factors such as weather and crime).
+- Construction and protection class.
+- Occupancy and use.
+- Claims history and credit-based insurance score (where permitted by law).
+- Selected deductibles and endorsements.
+- Discounts and surcharges.
+
+8.1 Base Rate Structure
+
+For HV-HO3 policies, the annual base dwelling rate per $1,000 of Coverage A may be organized by risk tier, for example:
+
+- Tier 1 – Preferred:
+  Newer homes, superior construction, low-risk area; indicative base rate $0.35 per $1,000 Coverage A.
+
+- Tier 2 – Standard:
+  Average construction, moderate risk area; indicative base rate $0.50 per $1,000 Coverage A.
+
+- Tier 3 – Nonstandard:
+  Older homes, moderate deficiencies, higher risk; indicative base rate $0.80 per $1,000 Coverage A.
+
+Additional factors apply on top of these base rates.
+
+8.2 Rating Factors
+
+Illustrative rating factors may include:
+
+1. Territory Factor (TF)
+   Reflects regional risks (weather, crime, legal environment).
+   Typical range: 0.80 – 1.40.
+
+2. Construction Factor (CF)
+   - Frame: 1.00
+   - Masonry: 0.90
+   - Superior fire-resistive construction: 0.80
+
+3. Protection Class Factor (PF)
+   Based on distance to fire station, quality of fire protection, and water supply.
+   Typical range: 0.75 (best) – 1.50 (least favorable).
+
+4. Occupancy Factor (OF)
+   - Primary residence: 1.00
+   - Seasonal residence: 1.15
+   - Short-term rental: 1.25–1.50 (or rated under HV-STR guidelines).
+
+5. Deductible Factor (DF)
+   - $500 deductible: 1.10
+   - $1,000 deductible: 1.00
+   - $2,500 deductible: 0.90
+   - $5,000 deductible: 0.80
+
+6. Claims History Factor (CHF)
+   - No claims in 5+ years: 0.95
+   - One minor claim in last 5 years: 1.05
+   - Multiple or major claims: 1.20–1.50.
+
+7. Credit/Insurance Score Factor (CSF) (where allowed)
+   - High score: 0.90
+   - Average: 1.00
+   - Below average: 1.10–1.25.
+
+8.3 Liability, Endorsement, and Miscellaneous Premium
+
+Liability and certain endorsements are often rated as flat charges, sometimes adjusted by exposure characteristics. Typical illustrative charges:
+
+Personal Liability (Coverage E):
+- $100,000 limit: $50–$75.
+- $300,000 limit: $90–$130.
+- $500,000 limit: $140–$200.
+
+Medical Payments (Coverage F):
+- $1,000 per person: $10–$15.
+- $5,000 per person: $25–$40.
+
+Water Backup Endorsement:
+- $5,000 limit: $40–$75.
+- $10,000 limit: $70–$125.
+
+Equipment Breakdown:
+- $35–$75 per policy.
+
+Service Line:
+- $25–$60 per policy.
+
+Scheduled Personal Property:
+- Rate per $100 of scheduled value, varying by category (for example, jewelry $0.80–$1.20 per $100 of value).
+
+9. DISCOUNTS AND SURCHARGES
+
+HVPI may apply credits and debits to the base premium as follows:
+
+9.1 Common Discounts
+- Multi-Policy Discount (home plus auto or other qualifying policy): 10–20%.
+- Protective Devices (central station alarm, automatic sprinklers, monitored fire and burglary systems): 5–15%.
+- New Home or Recent Renovation: 5–15%.
+- Claim-Free Longevity: up to 10%, based on years without claims.
+- Gated Community or Secure Building: approximately 5%.
+
+9.2 Common Surcharges
+- Attractive nuisances such as trampolines, unfenced pools, or other hazardous recreational equipment without adequate safety measures: 10–25% surcharge.
+- Short-term rental or frequent room-sharing without applicable endorsement: surcharge or declination, depending on exposure.
+- Certain dog breeds, prior liability incidents, or similar risk factors: surcharge, exclusion, or restricted liability coverage.
+
+10. PREMIUM CALCULATION EXAMPLE (HV-HO3)
+
+The following example demonstrates how premium may be calculated.
+
+Assumptions:
+- Policy: HV-HO3
+- Coverage A (Dwelling): $400,000
+- Coverage C: 60% of A = $240,000
+- Coverage D: 30% of A = $120,000
+- Territory: Moderate risk, TF = 1.10
+- Construction: Masonry, CF = 0.90
+- Protection Class: Good, PF = 0.85
+- Occupancy: Primary residence, OF = 1.00
+- Deductible: $1,000, DF = 1.00
+- Claims History: No claims in 5 years, CHF = 0.95
+- Credit Score: Average, CSF = 1.00
+- Risk Tier: Tier 2 – Standard; base rate = $0.50 per $1,000 Coverage A
+- Liability: Coverage E = $300,000 (flat $110 premium)
+- Medical Payments: $5,000 (flat $30 premium)
+- Endorsements:
+  - Water Backup $10,000 limit: $90
+  - Equipment Breakdown: $50
+  - Service Line: $40
+- Discounts:
+  - Multi-Policy Discount: 10%
+  - Protective Devices: 10%
+
+10.1 Dwelling Premium
+
+1. Dwelling base units:
+   Coverage A / $1,000 = $400,000 / $1,000 = 400 units.
+
+2. Base dwelling premium (unmodified):
+   Units × base rate = 400 × $0.50 = $200.00.
+
+3. Apply multiplicative rating factors:
+   Combined factor = TF × CF × PF × OF × DF × CHF × CSF
+   = 1.10 × 0.90 × 0.85 × 1.00 × 1.00 × 0.95 × 1.00.
+
+   Stepwise:
+   - 1.10 × 0.90 = 0.99
+   - 0.99 × 0.85 = 0.8415
+   - 0.8415 × 1.00 = 0.8415
+   - 0.8415 × 1.00 = 0.8415
+   - 0.8415 × 0.95 ≈ 0.7994
+   - 0.7994 × 1.00 = 0.7994
+
+   Combined factor ≈ 0.7994.
+
+4. Modified dwelling premium:
+   $200.00 × 0.7994 ≈ $159.88.
+
+10.2 Other Property Premium Components
+
+Assume Coverage B and Coverage C premiums are derived as percentages of the modified dwelling premium:
+
+- Coverage B (Other Structures) premium:
+  10% of dwelling premium = 0.10 × $159.88 ≈ $15.99.
+
+- Coverage C (Personal Property) premium:
+  40% of dwelling premium = 0.40 × $159.88 ≈ $63.95.
+
+- Coverage D (Loss of Use) premium:
+  20% of dwelling premium = 0.20 × $159.88 ≈ $31.98.
+
+Total property coverage (A, B, C, D) premium before endorsements:
+$159.88 + $15.99 + $63.95 + $31.98 = $271.80 (rounded).
+
+10.3 Liability and Endorsements
+
+- Personal Liability (Coverage E): $110.00.
+- Medical Payments (Coverage F): $30.00.
+- Water Backup endorsement: $90.00.
+- Equipment Breakdown endorsement: $50.00.
+- Service Line endorsement: $40.00.
+
+Subtotal for liability and endorsements:
+$110 + $30 + $90 + $50 + $40 = $320.00.
+
+10.4 Total Premium Before Discounts
+
+Total pre-discount premium:
+Property + Liability/Endorsements = $271.80 + $320.00 = $591.80.
+
+10.5 Apply Discounts
+
+Combined discounts:
+- Multi-Policy: 10% (factor 0.90).
+- Protective Devices: 10% (factor 0.90).
+
+Combined discount factor:
+0.90 × 0.90 = 0.81.
+
+Discounted total premium:
+$591.80 × 0.81 ≈ $479.36.
+
+Sample annual premium: approximately $479 for this risk, subject to rounding, state-specific rules, and underwriting.
+
+11. CLAIMS HANDLING OVERVIEW
+
+While this document focuses primarily on coverage and pricing, HVPI also defines a standard claims process.
+
+11.1 Notice of Loss
+The insured must provide prompt notice, describing date, time, location, and circumstances of the loss. Emergency measures to protect property from further damage are encouraged and may be covered, subject to policy terms.
+
+11.2 Duties After Loss
+The insured is expected to:
+- Protect property from further damage.
+- Make a list of damaged items with description, age, and estimated value.
+- Provide access for inspection and cooperate with the adjuster.
+- Provide requested documents (proof of ownership, repair estimates, receipts, and other supporting materials).
+
+11.3 Loss Payment
+HVPI will pay covered losses within the timeframe required by applicable law and policy terms once:
+- Agreement is reached on the amount of loss; or
+- A final judgment is entered; or
+- An appraisal award is issued (if the appraisal clause is invoked).
+
+11.4 Other Insurance
+If other valid and collectible insurance applies to the same loss, HVPI pays no more than its share of the loss according to the policy’s other insurance condition.
+
+12. ILLUSTRATIVE POLICY COMPARISON
+
+The following simplified comparison highlights key features for selected forms:
+
+Feature: Dwelling Coverage (A)
+- HV-HO1 Essential: Named peril.
+- HV-HO3 Comprehensive: Open peril.
+- HV-RT Renters: Not covered.
+- HV-LP Landlord: Named or open peril depending on form.
+
+Feature: Personal Property Coverage (C)
+- HV-HO1 Essential: Named peril.
+- HV-HO3 Comprehensive: Named peril.
+- HV-RT Renters: Named peril.
+- HV-LP Landlord: Limited or none (form-specific).
+
+Feature: Loss of Use
+- HV-HO1 Essential: 20% of Coverage A.
+- HV-HO3 Comprehensive: 30% of Coverage A.
+- HV-RT Renters: 30% of Coverage C.
+- HV-LP Landlord: Loss of Rents (generally 20% of Coverage A).
+
+Feature: Personal Liability
+- HV-HO1 Essential: Optional.
+- HV-HO3 Comprehensive: Included.
+- HV-RT Renters: Included.
+- HV-LP Landlord: Optional premises liability.
+
+Feature: Mold Limited Coverage
+- All forms: Typically sublimited, subject to special conditions and exclusions, unless otherwise endorsed.
+
+Feature: Short-Term Rental Coverage
+- HV-HO1 Essential: Not covered unless endorsed.
+- HV-HO3 Comprehensive: Available via HV-STR endorsement.
+- HV-RT Renters: Not standard; special underwriting may be required.
+- HV-LP Landlord: Available via endorsement or specific landlord form.
+
+13. ADMINISTRATIVE PROVISIONS AND ENDNOTES
+
+13.1 Rate Revisions
+HVPI reserves the right to revise rates and rating criteria at renewal, subject to regulatory approval where required by law.
+
+13.2 Form Updates
+Policy forms and endorsements may be amended periodically to reflect market conditions, loss experience, legal changes, and regulatory guidance.
+
+13.3 State-Specific Variations
+Coverage limitations, definitions, and premium rating methodologies may vary by jurisdiction; state-specific endorsements and notices may supersede general provisions described in this manual.
+
+13.4 Entire Contract
+The actual insurance policy, including Declarations, core forms, endorsements, and any applicable riders, constitutes the entire contract between HVPI and the policyholder.
+
+End of Harper Valley Property Insurance
+Comprehensive Residential Program Manual.`