Coverage for Multifamily Property Owners Providing tenants with Ho4 coverage :

1. Coverage for Multifamily Property Owners Providing tenants with Ho4 coverage: (renter’s insurance)  Can lower Owner’s P&C premium,  Decreases risk by reducing Owner’s out of pocket exposure, and  Increases profitability Providing tenants with Involuntary Unemployment Protection: (job loss protection)  Economical for both the tenant and the multifamily • property owner, and •  Enhances overall image and marketability • Cambridge Solution Group has the answers: • Cambridge offers three (3) options to choose from at a cost below what the tenant would pay on their own. These options are: •  Renter’s Guardian Secure Advantage •  Renter’s Guardian Coverage Select, and •  Renter’s Guardian Liability Choice. • Opt out option- Each program allows tenants to ‘opt out’ which solves the issue of a perceived rent increase. • Encrypted tracking system. Our tracking system is compatible and can be incorporated with the technology that the landlord already has in place. • Cambridge Solution Group makes it easy so you can concentrate on your • core business of managing your properties.

2. Renter’s Guardian Secure Advantage • Full renters insurance policy plus Involuntary Unemployment Protection •   Lowers Multifamily Owner’s P&C premiums. • Makes renters coverage affordable, protects all tenants and the property. Involuntary unemployment protection -pays rent for up to 6 months. • Provides a safety net, keeping families in place through temporary involuntary job loss.     •   Lowers delinquency. •   Opt out option- solves the issue of a perceived rent increase. •   Protects your Bottom Line -  Maintains rent ability, property condition • and minimizes turnaround enhancing profitability. • Renter’s Guardian Coverage Select • Full renters insurance policy – resident liability and contents •    Lowers Multifamily Owner’s P&C premiums • Makes renters coverage affordable protects all tenants and the property. •    Opt out option- solves the issue of a perceived rent increase. •    Protects Owner’s Bottom Line -  Maintains rent ability, property condition • and minimizes turnaround enhancing profitability. • Renter’s Guardian Liability Choice • Liability Insurance only • Lowers Multifamily Owner’s P&C premiums. •   Mandatory participation required. •   Protects your Bottom Line -  Maintaining rent ability, property condition • and minimizing turnaround enhances profitability. Information on specific coverage: HO4 Protection Pays up to $100,000 Liability Coverage per unit.   Pays up to $15,000 Content Coverage per unit. Liability Pays up to $100,000 in Liability. Involuntary Unemployment Protection   Pays Tenant’s rent/lease payment to property for up to 6 months in the event of involuntary unemployment.

3. Economies of Scale makes it possible • The property owner is the plan sponsor; they can be assured of compliance with lease provisions requiring Renter’s Insurance and further benefit from specific coverage for job loss and other inherent risks. • A cost neutral solution to economic uncertainty that is available only through qualified multifamily operators. • Fully Insured •  As administrator/obligor, we offer turn-key programs, underwritten by • A-Rated/Excellent carriers. •   All claims and policy service issues are managed by our administrator. •   50 State Compliant. •   Simple Administration:  Administration is as simple as submitting an electronic report listing the participating units. •   Benefits paid directly to property owner. •  No Insurance License for Property Management Staff– Our coverages generally do not require any additional insurance licenses. Incorporate the products into your sales without  disruption to your work flow. • Services we provide:  Market Evaluation   Transparent Reporting  Private Label Solutions   Seamless Integration   Product Customization   Marketing Support

4. How It Works, Simple Reporting Once a month, the Property Manager will export a resident list and forward it to a secure electronic file location. This information will be compiled based on lease commencement and other resident details collected at the inception of the program. A report and invoice will be provided to the property manager for covered units monthly. Tenant Notice Blanket coverage is attached to each participating lease. Opt Out Alternative Tenant may secure required coverage from any source they choose. Disclosure Each tenant will get a disclosure of plan details. All claims and servicing is provided by Cambridge Solutions Group. *Based on 95% occupancy and 80% penetration.

5. Cambridge Insurance, LLC 100 Pearl Street 14th Floor Hartford, CT 06103 Gary BuselVice President Marketing and Product Development Jon Keene Principal Krista Mowad Principal Phone: (888) 209-2023 Contact Us