Add Peace of Mind to Your Living Place with Comprehensive Coverage!
Sumai Plus oﬀers comprehensive coverage for unexpected accidents in daily life. Take advantage of this insurance, speciﬁcally designed for rental properties, which adds peace of mind.
* Coverage related to earthquakes is not included, except for earthquake ﬁre expense insurance.

Coverage for household items（compensation for damages due to accidents or natural disasters）（1）Fire（2）Lightning strike（3）Explosion

Coverage for liability to the landlord (tenant’s liability insurance)
This insurance offers coverage in cases where you are legally
liable to the landlord for damage to the rented property
caused by events such as ﬁres, explosions, or water leaks.
When you accidentally cause a ﬁre resulting in burning down the rented
For example…
property, or when a clogged drain causes water to ﬂood the ﬂoor.

（5）Flooding（4）Wind, hail, or
snow disaster（6）Falling, airborne,（7）Water leakage
or colliding objects

Coverage for liability to third parties (personal liability insurance)
This insurance offers coverage in cases where the insured
party inadvertently injures someone or damages their property in everyday situations, leading to legal liability.

When you accidentally drop a ﬂowerpot from a balcony and damage
For example…another person’s car, or when you collide with someone while cycling
and cause them injury.

（8）Disturbance （9）Theft（10）Damage or soiling Portable contents insurance:
Provides coverage for items temporarily
removed from a rented property,
protecting against damage incurred
within another domestic building due toincidents numbered（1）to（9）above.

Cash: Capped at 200,000 yen
Transportation tickets: Capped at 50,000 yen
Savings certiﬁcates: Capped at 1,000,000 yen* Copayment amount: 30,000 yen* For each accident, the coverage is up to 1 million
yen or 20% of the portable contents insurance
amount, whichever is lower. For item（9）, themaximum coverage is 500,000 yen.

Coverage for expenses listed below(costs related to accidents)●Disaster-related expenses ●Cleanup and removal expenses ●Earthquake-related ﬁre expenses
Costs temporarily arising from incidents
Costs arising from speciﬁed damage incurred
for remaining items
numbered (1) to (10) (except for theft of cash,by a building containing the rented propertytransportation tickets, and savings certiﬁcates)* Capped at 500,000 yen, 10% of the insurancecompensation●Compensation for
accidental ﬁres

Expenses, such as condolence payments, whendamage occurs to another person’s property
due to ﬁres or similar incidents* Up to 200,000 yen per household; capped at 20%of the personal property insurance compensation

Costs related to the removal andcleaning of damaged personal property* Based on actual costs, capped at 10% of theinsurance compensation●Emergency accommodation
expenses

Costs for temporary lodging when disruptions, such asutility outages caused by accidents, make theresidence temporarily uninhabitable* Capped at 30,000 yen per night for a maximum of 14
nights, with an overall cap of 200,000 yen●Lock-picking prevention
expenses●Door lock replacement
expenses* Capped at 30,000 yen per incident* Capped at 30,000 yen per incident

Costs for replacing door locks or installingdevices to prevent lock-picking after an incident

Costs incurred for changing
door locks due to key theft

1

Coverage for repair and related expenses(various costs arising from accidents)●Repair expenses

This insurance oﬀers coverage when therented property incurs damage from incidents
numbered (1) to (10) on the left, and the leaseagreement requires the tenant to bear the
repair costs.

The doorknob wasdamaged by someone’s
prank and required tobe repaired.

* Capped at 1 million yen per incident

The dedicated water
pipe within the rented
property was damaged
from freezing.

●Repair expenses resulting from lonely
death●Estate settlement expenses due to lonelydeath* Capped at 500,000 yen combined with the estate settlement
expenses on the right* Capped at 500,000 yen combined with the repair expenses on theleft

If the insured person passes away within the rented
property, causing damage, and the legal heirs (orcosigner) cover the cleaning, deodorizing, andrepair costs, compensation will be paid.

If the insured person dies within the rented property,
and the legal heirs (or cosigner) bear the costs associated with settling the estate required to return theproperty to the landlord, compensation will be paid.

* The term “lonely death” indicates a case where an individual dies in the rented property unattended.

from events such as earthquakes* 5% of the personal property insurancecompensation will be paid

●Disaster-related relocation
expenses
Costs to relocate when the building
is partially destroyed* The lesser of either 300,000 yen per
incident or the rent for threemonths of the rented property●Stalker-related expenses

Costs associated with installing security
measures, including surveillance cameras,
after a stalker report is submitted to the police* Limited to once in an insurance year with amaximum of 50,000 yen per incident

Simple Household Property Valuation Table(How to determine the personal property insurance amount & Selection of contract type)
When signing a contract, please select the contract type based on an estimate of the replacement value of your household property.

Contract Type

SingleSingle / Couple

Referencelayout

1R / 1K / 1DK

No. of household
members

1DK / 1LDK / 2K /2DK / 2LDK

Adults: 1

Adults: 2

Replacement value ofhousehold property

3 million yen to
5 million yen

4 million yen to
6 million yen

Couple / Family

Family2DK / 2LDK or larger
Adults: 2Children: 1

5 million yen to
7.5 million yen

Adults: 2Children: 2

5.5 million yen to
9 million yen

Note: This leaﬂet summarizes the key points of the coverage. For details, refer to the contract summary, terms
and conditions, and other related information.
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Revised in July, 2020

Procedures for Contract Cancellation upon Vacating◎Precautions upon vacating
If you vacate the insured rented property during the insurance contract period, be aware thatthe procedures required are separate from those of the lease agreement.
Cancellation procedures: Cancellation during the insurance contract period
The insurance premiums will be refunded according to the remainder of the contract period.

* Depending on the duration of the contract period, the insurance premiums will not be refunded. Refer to section [8Cancellation and Availability of Cancellation Refunds] on page 8 for the formula to obtain the refundable insurance
premiums.

Statement of Important Matters

To our customers entering a contract for the Comprehensive Rental Resident Insurance “Sumai Plus”（hereinafter, “Sumai Plus”）■ This document highlights important matters that you must review upon finalizing your contract. Please read themthoroughly before proceeding with your application.

■ This document does not cover all the details regarding the contract. For detailed information, refer to the General

Insurance Terms and Conditions for Comprehensive Rental Resident Insurance available on our website, https://www.suma-pula-ssi.co.jp. Should you have any questions, do not hesitate to contact our agency or our company.

■ Make sure to read and review those points that might be of particular concern or disadvantages to you which aremarked with “★”.

■ If the policyholder and the insured person are not the same, please ensure that the contents of this document arealso explained to the insured person.

Procedures for modifying the contract details
You can continue your current insurance at your new address by submitting the Contract
Modification/Correction Request Form.

Contract Overview* This applies only if the new address is a rental property.

* Note that some contracts may not allow changes to the rented property details.

Frequently Asked Question

Description

Do you offer earthquake coverage?

We regret to inform you that our policies do not provide coverage for damages tohousehold items resulting from collapses or similar events caused by earthquakes.
Earthquake insurance is exclusively managed by general insurance companies,
not by small-amount short-term insurers. Additionally, it is available only whenbundled with fire insurance from general insurance companies, instead ofobtaining standalone earthquake insurance. For further details, contact the agency
where you secured your policy. It should be noted that our policies do comewith an earthquake-related fire expense provision covering scenarios where an
earthquake triggers a fire leading to the complete loss of household items. This
provision compensates 5% of the insured amount for personal property.

Is the premium eligible for tax
deduction?

The premiums for Comprehensive Insurance for Rental Properties are not eligible
for tax deduction, including those related to earthquake insurance. Therefore, theInsurance Premium Deduction Certificate is not issued or sent annually. Thank you
for your understanding.

Can I receive the insurance
certificate?

In case you have submitted a contract application in writing, we will send theinsurance certificate to you after the insurance commencement date. For online
applications, the certificate will not be sent in principle. Rather, you can review
your contract details in the My Page section on our website. If a certain situation
requires the insurance certificate document, contact our customer support（0120444-605）so that we can arrange to send it.

Which plan best suits me?

You need to select your preferred plan based on the volume of household items
that will be contained in your room. Refer to the Simple Household Property
Valuation Table on page 3 to select the appropriate plan. It should be noted thatregardless of the plan you select, the liability insurance coverage is consistently
set at 10 million yen, and the repair cost coverage is set at 1 million yen.

Do I pay the insurance premiummonthly?

No, the insurance premium for a 2-year term is to be paid up-front in a single
payment.

How do I go about renewing myinsurance policy?

You will receive a renewal notice either by mail or email three months prior tothe contract’s expiration date. Please review the details regarding the payment of
insurance premiums.

Do I need to follow take additional
procedures if the managementcompany or landlord changes?

No, no additional steps are required on your part. A housemate that is includedin the lease agreement will be deemed as insured. Therefore, when the leaseagreement is updated, any new housemate added will automatically be coveredby the insurance.

Do I need to notify when thenumber of household memberschanges?

No, no additional steps are required on your part. A housemate that is includedin the lease agreement will be deemed as insured. Therefore, when the leaseagreement is updated, any new housemate added will automatically be coveredby the insurance.

Can I apply for the contract without
going through an agent?

We regret to inform you that contracts can only be finalized through agentsaffiliated with our company.
3

1 Product Structure

Sumai Plus is designed specifically for tenants of rental properties. This product offers coverage for damages to theinsured person’s belongings resulting from events such as fires, water-related incidents, and theft. It also compensates
for any repair costs the insured person might incur for the rented property. Moreover, it covers liabilities the insured
person might have towards the landlord or other third parties.

2 Coverage

Sumai Plus is tailored for tenants of rental properties. This comprehensive package provides coverage for yourpersonal belongings, repair costs of the rented property, liability towards the landlord for any damages, and liability fordamages to third parties in daily life situations. The main circumstances under which we make insurance payments, therespective payout amounts, and situations where payments might not be applicable are outlined below. For a detailed
understanding, refer to the General Insurance Terms and Conditions and the Special Agreement Compilation.

Primary cases for insurance payouts

Amount of insurance payouts

In cases where personal property incurs damage during theinsurance period due to the following accidents:(1) Fire (2) Lightning strike (3) Explosion (4) Wind, hail, or
snow disaster(5) Flooding
Damage(6) Falling, airborne, or colliding objects
compensation (7) Plumbing accidents or leaks in unused rooms(8) Damage from protests or strikes(9) Theft

Damage amount (capped at the personal
property insurance value)
For item (9):Damage amount (capped at the personal
property insurance value)
Currency: Capped at 200,000 yen
Transportation tickets: Capped at 50,000 yen
Deposit certificates: Capped at 1 million yen(10) Unpredictable and sudden accidents (such as damage or Damage amountcontamination) other than those listed in (1) to (9).
(however, with a copayment of 30,000 yen)
Portable
contents
insurance

Provides coverage for items temporarily removed from a Damage amount (however, for each accident,
rented property, protecting against damage incurred within the coverage is up to 1 million yen or 20%
another domestic building due to incidents numbered (1) to of the portable contents insurance amount,(9) above.
whichever is lower. For theft, the maximum
coverage is 500,000 yen.)* Items not covered by the insurance (exclusions):(a) Motor vehicles (including three-wheeled and two-wheeled vehicles but excludes motorized bicycles) and theirassociated accessories.
(b) Currency, securities, deposit certificates, credit cards, revenue stamps, postage stamps, transportation tickets,and other similar items.
However, damages due to theft of currency, transportation tickets, or deposit certificates are covered.
(c) Goods, products, raw materials, and business-related fixtures, equipment, installations, and other similar items.
(d) Manuscripts, design documents, diagrams, certificates, account books, and other related documents* Criteria for insurance compensation
For insured items, including household items and portable contents, compensation is based on the actual loss as
determined by the replacement cost (Note 1). However, for items such as wristwatches, precious metals, gemstones,
and artworks, the valuation is based on the current market value (Note 2).
(Note 1) Indicates the amount required to purchase an equivalent item.
(Note 2) Indicates the replacement cost adjusted for wear and tear due to use.
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SD-KBF23036

Primary cases for insurance payouts

Amount of insurance payouts

Disaster-related
expenses

Where damage compensation is paid due to incidents
numbered (1) to (10) on p. 5 (excluding cash, tickets, anddeposit certificates from damage compensation of (9))

10% of the damage
compensation amount(capped at 500,000 yen)

Removal andcleanup expenses
for remaining items

Where damage compensation is paid due to incidents
numbered (1) to (10) on p. 5, and the insured person incurs
costs for the removal and cleanup of remaining items

Actual expenses (capped
at 10% of the damage
compensation amount)

Earthquake fire
expenses

Where the personal property is damaged due to a firecaused by an earthquake, volcanic eruption, or tsunami
resulting from them, and the damage situation falls undereither of the following conditions:(a)More than half of the building housing the personal
property is burned.
(b)The personal property is completely burned.

5% of the personal property
insurance amount

Accidental firecompensation
expenses

Where a fire, rupture, or explosion originating from therented property, which results in the loss, damage, or
contamination (excluding smoke damage and odor
adhesion) of a third party’s property

200,000 yen per household(capped at 20% of
the personal property
insurance amount)Temporaryaccommodation
expenses

Where a damage compensation is paid due to incidents
numbered (1) to (9) on p. 5, and because of the incident,
there is a disruption in the supply of drinking water,electricity, or gas, or the drainage facilities become unusable,
making it impossible to reside in the rented property, and theinsured person needs to seek temporary accommodation

Actual expenses (with 30,000
yen per night for up to 14
nights, capped at 200,000 yen)

Disasterelocation
expenses

Where a damage compensation is paid due to incidents
numbered (1) to (9) on p. 5, and the rented property
sustains damage of more than half its value, rendering it
uninhabitable and necessitating relocation

Actual expenses (capped at
300,000 yen or three months’
rent for the rented property,
whichever is lower)

Lock-picking
prevention
expenses

Where a lock is opened due to theft or damaged bysomeone’s prank, and the insured person bears the cost of
replacing the door lock or installing a security device (suchas an anti-picking cover or a thumb turn prevention cover)

Actual expenses (capped at
30,000 yen)

Door lockreplacement
expenses

Where the front door key of the rented property is stolen,
and the insured person bears the cost of replacing thedoor lock

Actual expenses (capped at
30,000 yen)

Stalker response
expenses

Where the insured person is harassed by a stalker andincurs expenses for purchasing or renting equipment toaddress the incident:(a)Recording devices intended to document evidence ofstalking(b)Multi-functional telephones or changing phone numbers
to avoid nuisance calls(c)Various security devices installed for emergencies,
including emergency reporting systems

Actual expenses (capped at
50,000 yen, limited to once
per insurance period of one
year)

Where damage occurs to the rented property due to the following
incidents, and the insured person repairs it at their own expense based on
the agreement with the landlord:
Repair and (a) Incidents for damage compensation numbered (1) to (10) on p. 5
associated (b) Damage caused by the insured person’s death within the rented
property
costs(c) When the insured person dies within the rented property and thecompensation lease agreement or similar contracts terminate, and someone responsible
for organizing the deceased’s belongings pays expenses for this purpose(Note)(Note) This does not apply when the tenant liability insurance is paid.

(a)Actual expenses (capped
at 1 million yen)(b)Actual expenses
combined with the repair
costs in (c) below (capped
at a total of 500,000 yen)(c)Actual expenses combinedwith the repair costs in (b)above (capped at a totalof 500,000 yen)

Where the rented property incurs damage due to fire, rupture, or
Tenant liability explosion, water leakage associated with an accident in the water supply
compensation and drainage facilities, or unpredictable and sudden accidents, and theinsured person incurs legal liability for damages to the landlord as a result

Compensation for damages,
litigation costs, attorneyfees, etc. (capped at a totalof 10 million yen)

Expensecompensation

Where accidental incidents arise from the use or management of the
Personal liability rented property, or accidental incidents in daily life result in injury tocompensation another person or damage to another person's property, and the insured
person incurs legal liability for damages

Primary cases where insurance payouts are not madeCommoncases(1)Damage arising from the intentional actions of the policyholder or the insured person(2)Damage resulting from war, civil unrest, or other similar disturbances, including riots(3)Damage caused by earthquakes of volcanic eruptions, or by tsunamis resulting from them (excluding
earthquake-related fire expense coverage)(4)Damage resulting from nuclear fuel materials or radioactive contamination(1)Damage arising from the gross negligence or violations of the law by the policyholder or the insured
person(2)Damage caused by a collision or contact with a vehicle operated by the policyholder or the insured
Damagepersoncompensation(3)Losses or theft occurring during events such as fires(4)Damage arising outside of the rented property(5)Damage due to natural wear and tear, deterioration, or inherent flaws(1)Damage arising from the gross negligence or violations of the law by the policyholder or the insured
personRepair and (2)Damage due to defects in the rented property
associated (3)Damage incurred during processing, repair, or adjustment due to work-related negligence or substandard
costs
craftsmanshipcompensation (4)Damage in appearance in the rented property, such as scratches, scuffs, or peeling paint, that do notdirectly impact the property’s functionality(5)Damage resulting from electrical or mechanical incidents(1)Damage intentionally caused by the policyholder, the insured person, or their statutory representatives(2)Damage to the rented property discovered after the insured person returned it to the landlord(3)Damage due to defects in the rented property(4)Damage in the rented property from natural wear and tear, deterioration, or inherent characteristics(5)Damage incurred during processing, repair, or adjustment of the rented property due to work-related
Tenantnegligence or substandard craftsmanshipliabilitycompensation (6)Damage in appearance in the rented property, such as scratches, scuffs, or peeling paint, that do notdirectly impact the property’s functionality(7)Damage resulting from electrical or mechanical incidents(8)Damage stemming from fraud or misappropriation(9)Damage due to land subsidence, shifting, or elevation(10)Damage to tubular items, including light bulbs and cathode ray tubes(1)Damage intentionally caused by the policyholder, the insured person, or their statutory representatives(2)Damage amplified due to a specific compensation agreement between the insured person and a third
party(3)Damage directly attributed to the performance of the insured person’s duties(4)Damage related to the ownership, use, or management of assets, whether movable or immovable, utilized
Personal
liability
for the insured person’s duties
compensation (5)Damage against relatives living together with the insured person(6)Damage due to the insured person’s mental impairment(7)Damage arising from assault or battery committed by the insured person or under the insured person’s
instruction(8)Damage associated with the ownership, use, or management of aircraft, ships, vehicles, or firearms

3 Major Special Provisions and their Overview

For detailed descriptions of the major special provisions associated with Sumai Plus, refer to pages 30 to 35 of theSpecial Provisions Compilation for Rental Tenants.

4 Duration of Insurance

The coverage duration for Sumai Plus is set at two years.

5 Criteria for Underwriting Insurance(1) Customers are advised to determine the estimated value of their household belongings using the Simple Household
Valuation Table. Select your insurance coverage and premium from the Sales Plan List (note that the insurance
coverage is based on the replacement cost (Note 1)). To ensure comprehensive coverage in the event of anincident, it is recommended to set the insurance coverage equal to the full estimated value. When entering into thecontract, if the insurance amount exceeds the valuation of the household items, and both the policyholder and theinsured person have acted in good faith and without gross negligence, the excess portion of the insurance amount
may be canceled upon notification to our company. Additionally, if the value of the insured items considerably
drops post-contract, you can request an adjustment to the reduced value by informing our company.
(Note 1): Replacement cost indicates the amount required to purchase an equivalent item.

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SD-KBF23036

★(2) We cannot accept applications from insured individuals who are already covered by another one of our insurance

Importantpolicies.
★ (3) Insurance payouts may be reduced only if it is determined that the accumulation of such payments significantly
affects the sustainability of our business operations.
★(4) Premium adjustments, either increases or decreases in the insurance coverage amount, may be made only if it isPrecautions Pertainingt o Yo u r C o n t r a c tdetermined that the basis for calculating the premiums significantly diverges from the projected damages, rendering
it challenging to sustain the insurance liability until the contract's expiration date.
(5) Reinsurance contracts and underwriting insurance① We will pay out earthquake fire expense insurance claims through reinsurance contracts. If no company is willingto accept the reinsurance, we will not underwrite the insurance policy.
② If we decide not to renew a contract, we will inform the policyholder in writing at least two months prior to the
expiration of the insurance term.

6 Insurance Premiums and Payment Methods

The insurance premium is payable in a single installment as listed below. For the actual premium amount due, refer tothe application form.

1 About the Insured Person⓫ How to Exercise Cooling-Off Rights(Scope and Restrictions)…………………………… Read pages 11 and 12.

………………………………………… Read page 9.

【Payment options】(1) In-person cash payment(2) Wire transfer to a designated account of our company or an agent(3) Payment at a convenience store’s payment counter⓬ Designated Dispute Resolution

2 Obligation to Disclose

Organization………………………………………… Read page 9.

(4) Payment by credit card
(5) Payment through a rent guarantee company……………………………………… Read page 12.

3 Obligation to Notify(6) Payment collected by a rent guarantee company(7) Payment through group collection⓭ Handling of Personal Information………………………………………… Read page 9.

(8) Payment through group handling* Feel free to contact the managing agent for inquiries regarding the choice of payment option.

Sumai Plus does not offer any maturity refunds or policyholder dividends.

8 Cancellation and Availability of Cancellation Refunds

Based on the number of months already elapsed (Note 1), the insurance premium (Note 2) will be refunded,calculated using the formula below:(Total months of insurance period – Months already elapsed)
Total months of insurance period(Note 1) Indicates the period from the start date of the insurance term to the cancellation date. Any fraction of amonth less than one month is rounded up to a full month.
(Note 2) Amounts less than 10 yen are rounded to the nearest 10-yen increment.
★Request to Policyholders
For more information, visit our website at https://www.suma-pula.ssi.co.jp or reach out to the contact you can find on
the back of your policy booklet.

……………………………………… Read page 12.

4 Major Grounds for Exemptions⓮ Omission of Issuance of Insurance
Certificates………………………………Read pages 9 and 10.

7 Maturity Refund and Policyholder Dividends

Refundable premium = Premiums x 0.8 x■ Read these precautions carefully before entering into the contract. ■……………………………………… Read page 12.

5 Commencement and Termination of⓯ Duplicate Coverage

Insurance Liability Period……………………………………… Read page 10.

…………………………… Read pages 12 and 13.

6 Premium Payment Grace Period and⓰ Payment Information Exchange System

Contract Lapse……………………………………… Read page 13.

……………………………………… Read page 10.

⓱ Payments when the Rent Guarantee

7 Procedures in Case of Insolvency orCompany Pays the Premium in Advancea Small-Amount Short-Term Insurer……………………………………… Read page 13.

……………………………………… Read page 10.

⓲ Payments when the Management

8 Points to be Noticed Before and After

Company or Similar Collects the PremiumEntering into the Contract……………………………………… Read page 13.

……………………………………… Read page 10.

⓳ Other Legal and Regulatory Points to be

9 Procedures and Precautions in Case of

Noticedan Accident……………………………………… Read page 13.

……………………………………… Read page 11.

⓾ Contract Renewal……………………………………… Read page 11.

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★（2）The insurance payout amount may be reduced only in cases where the accumulation of insurance payments is

Important Information
1 About the Insured (Scope and Restrictions)
Scope

The insured person under Sumai Plus includes the individuals listed in the insured person's name section of theapplication form residing in the rented property covered by this insurance (hereinafter referred to as "Named Insured"),as well as those residing with them (hereinafter referred to as "Unnamed Insured").
★Restrictions（1）Note the following restrictions concerning the insured person:① A named insured under Sumai Plus cannot be an unnamed insured in another insurance policy with our company.
② A named insured in any other insurance policies with our company cannot be an unnamed insured in thishousehold items insurance policy or liability insurance policy.
③ An unnamed insured under Sumai Plus will forfeit their insured status if they stop cohabiting in the specified rental
property or if they no longer use the said unit as their primary residence.
（2）Refer to the Special Provision for Insured Persons under Corporate Contracts for details.
① This provision is applicable when the policyholder is a corporation or equivalent (Note), and its directors or
employees (hereinafter referred to as “employees”) reside in the rented property.
② Irrespective of the provisions in the General Insurance Conditions for Comprehensive Insurance for Rental Tenants(hereinafter referred to as “General Insurance Conditions”), the insured person under a policy with this provisionattached shall be the employees of the corporation or equivalent (Note) that is the policyholder, who reside in
the rented property as their primary place of residence, and those who live together with them in the rented
property as their primary place of residence. However, this does not include individuals who are insured underanother insurance policy concluded with our company.
(Note) This includes individual proprietors. The same shall apply hereafter.

2 Obligation to Disclose★（1）You are obligated to disclose important information to our company at the time of entering into the contract(duty of disclosure). If discrepancies between the information provided on the application form and the facts are
discovered, it may lead to the denial of the insurance claim, or we may terminate the contract with the policyholder
through written notification. The disclosure items are as follows:(1) Name or designation of the policyholder or insured person (2) Location of the rented property (3) Intended use

deemed to significantly affect the maintenance of business operations.
★（3）The insurance payout amount for the remaining period of the insurance term may be reduced only if the basis forcalculating the insurance premium significantly deviates from the anticipated damage, making it difficult to renew
and assume insurance liability until the expiration date of the insurance contract.

5 Commencement and Termination of Insurance Liability Period（1）Our company’s liability under the insurance contract begins at 0:00 (Note) on the start date of the insurance period
as stated on the insurance certificate and ends at 24:00 on the expiration date of the insurance period.
(Note) If a different time is specified on the insurance certificate, that time will apply.
（2）The times mentioned previously are based on Japan Standard Time.
（3）Even after the insurance period has commenced, we will not pay insurance money for damages resulting from
accidents that occurred before the receipt of the insurance premium.

6 Premium Payment Grace Period and Contract Lapse（1）The grace period for the single premium payment is as follows:

entering into the contract:① If the policyholder or insured person was aware that the damage for which the insurance payout should be made,or the facts that would lead to such damage, had already occurred.
② If the policyholder or insured person is found to have interactions with anti-social forces.
③ If the policyholder or insured person entered into the insurance contract with the intention of unjustly obtaining
the insurance payout or with the intention of enabling a third party to fraudulently obtain the insurance payout.

New contract

Wire transfer to a designated account No grace period setof our company or an agent

Contract renewal
The end of the month following themonth of the payment due date (theexpiration date of the insurance periodof the previous contract)

Payment at a convenience store’s The end of the month following the The end of the month following them o n t h o f t h e p a y m e n t d u e d a t e month of the payment due date (thepayment counter(the day before the start date of the expiration date of the insurance period
insurance period)of the previous contract)
Payment by credit card

The end of the month following the The end of the month following them o n t h o f t h e p a y m e n t d u e d a t e month of the payment due date (the(the day before the start date of the expiration date of the insurance period
insurance period)of the previous contract)

Payment through a rent guarantee The end of the month following the The end of the month following themonth of the payment due date (the month of the payment due date (thecompany
date stipulated in the guarantee date stipulated in the guarantee
entrustment contract with the rent entrustment contract with the rent
guarantee company)
guarantee company)
Payment through group collectionof the rented property (4) Existence of other insurance policies★（2）The insurance contract will be deemed invalid or terminated if any of the following facts are found at the time ofGrace period

Payment option

The end of the month following the The end of the month following themonth of the payment due date (the month of the payment due date (thedate stipulated in the collection date stipulated in the collection
contract with the group)
contract with the group)（2）If the insurance premium remains unpaid even after the specified grace period above, the insurance contract will
become invalid starting the day following the expiration date of the grace period.

7 Procedures in Case of Insolvency or a Small-Amount Short-Term Insurer★ Even if our company goes bankrupt, financial assistance from the Policyholders Protection Corporation of Japan
will not be provided. Additionally, since this does not fall under the compensation coverage contracts stipulated in
the Insurance Business Act, there is no protection by the said corporation. We operate a small-amount short-term
insurance business based on the Insurance Business Act, and we have deposited a guarantee deposit according to our

3 Obligation to Notify★ Where any of the following changes is made after the contract is finalized, the policyholder or insured person is required
to promptly notify our company. Failure to do so may result in the inability to pay insurance money for accidents occurring
after the change, or we may terminate the contract with the policyholder through written notification.
① If the usage of the rented property is changed; ② If the household goods are transferred; ③ If the household items
are relocated; ④ If another insurance contract is entered into with the household items as the insured object; ⑤ If theinsured person relocates (liability insurance); ⑥ If any other facts arise that change the content of the notified items★ If there is a change in the policyholder’s address or contact details listed on the insurance certificate are changed, notify
our company of the said change promptly.

business scale, preparing for unforeseen business continuity situations.

8 Points to be Noticed Before and After Entering into the Contract★（1）As a small-amount short-term insurer, we cannot provide coverage in the following cases:①Where the insurance period exceeds two years;②Where the insured amount for household property insurance
exceeds 10 million yen;

③ Where the insured amount for liability insurance exceeds 10 million yen;

④ Wherethe total insured amount for all insured persons per policyholder exceeds 10 million yen for household property
insurance or 10 billion yen for liability insurance; ⑤ Where the earthquake insurance is accepted based on the
Earthquake Insurance Law★（2）If there are other insurance contracts and no insurance money has been paid by the other insurers, we will pay the

4 Major Grounds for Exemptions★（1）In this insurance policy, the grounds for making no insurance payouts vary for each of the following: damage
insurance money, expense insurance money, repair cost insurance money, and liability insurance money. For moredetails, refer to the section, “Cases Where Insurance Payouts are Not Made,” in the standard insurance policy terms
and conditions.
9liability amount of the said insurance contract. Furthermore, if insurance money has been paid from other insurance
contracts, we will pay the remaining amount after deducting the total insurance money paid from other contracts
from the payment limit. However, this is subject to the payment limit of the said insurance contract.
（3）Keep the insurance certificate safe, as it will be sent to you by mail after the contract is concluded.
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9 Procedures and Precautions in Case of an Accident（1）In the event of an accident, contact our Accident Reception Center immediately. After receiving the accident report,
we will guide you through the procedure and inform you of the necessary documents.
Accident Reception Center: 0120-444-248 (Available 24 hours a day, 365 days a year)（2）We will pay the insurance money within 30 days, including the day we receive the necessary documents for the
insurance claim. However, if special inquiries or investigations are required, the payment date will be extended until
the following number of days have passed for each reason:① Inquiry into investigation results from police, prosecutors, fire departments, or other public institutions: 180 days
② Inquiry into appraisal results from specialized institutions: 90 days
③ Investigations in areas where the Disaster Relief Act has been applied: 60 days
④ Investigations outside Japan when there are no alternative means available within Japan: 180 days（3）For compensation accidents, our company or agents cannot conduct settlement negotiations on behalf of the（4）
A written request sent by mail needs to clearly state the intention to exercise the cooling-off, including the applicant
or policyholder's signature, seal, address, and phone number.
【Required Details】①A statement indicating the intention to exercise the cooling-off②The address, name (with seal), and contact phone number of the person who applied for the contract③Details of the insurance applied for, including the application date and the name of the insurance product（“Comprehensive Insurance for Rental Tenants” or “Sumai Plus”）④The name of the agency through which the contract was applied for (if known, include the name of the handlingsales office)⓬ Designated Dispute Resolution Organization

We are committed to sincerely addressing any complaints or concerns raised by our customers, striving towards theircustomer. Always consult with us before engaging in any settlement negotiations related to compensation accidents.

resolution. Additionally, if needed, customers can utilize the Small-Amount Short-Term Insurance Consultation Service,（4）Be aware that the right to claim insurance money will be extinguished by the statute of limitations three years froman appointed dispute resolution organization operated by the General Incorporated Association of Small Amountthe day following and including the day the damage eligible for insurance payment occurs.

Short-Term Insurance and contracted by our company. The contact information for the Small Amount Short-Term
Insurance Consultation Service is as follows:⓾ Contract Renewal

Address: SF Building 2F, 3-12-8 Hatchobori, Chuo-ku, Tokyo, 104-0032（1）Our company will send a renewal notice detailing the contents of the renewal contract to the policyholder twomonths before the expiration date of the insurance period.
（2）
If the policyholder does not notify us of their intention not to renew the contract by the expiration date of the insurance
period, the insurance contract will be renewed according to the contents of the renewal contract mentioned in (1).
（3）
The policyholder shall pay the insurance premium for the renewal contract by the premium payment due date (Note)of the renewal contract.

TEL: 0120-82-1144

FAX: 03-3297-0755

Operating hours: 9:00 a.m. – 12:00 p.m. and 1:00 p.m. – 5:00 p.m
Operating days: Monday to Friday (except for public holidays and the New Year’s holiday period)⓭ Handling of Personal Information

Our company and the Starts Group will ensure the proper handling of customers’ personal information based on our(Note) Indicates the expiration date of the insurance period of the contract prior to renewal.
（4）If the insurance premium for the renewal contract is not paid by the premium payment due date mentioned in (3),the policyholder shall pay the insurance premium for the renewal contract to our company by the end of the monthfollowing the month to which the premium payment due date belongs.
（5）If the insurance premium for the renewal contract is not paid within the period mentioned in (4), regardless ofthe provisions in (2), the insurance contract will lose its effect from the day following the expiration of the grace
period mentioned in (4). In this case, except for the circumstances mentioned in (6), our company will not claim theinsurance premium corresponding to the period from the renewal date to the expiration date.
（6）If an insurance incident occurs during the period mentioned in (4) before the insurance premium for the renewal

privacy policy and will take appropriate measures for its security management.
（1）Acquisition of personal information:
Our company and the Starts Group will acquire personal information within the scope necessary for businesspurposes and by lawful and fair means.
（2）Purpose of using customer-related information:
The personal information provided by customers will be used within the scope necessary to achieve the soundmanagement of the insurance business and provision of services to customers.
（3）Provision of customer-related information to external parties:
Our company and the Starts Group may provide personal information to the following third parties, within the scope

contract is paid, our company will pay the insurance money on the condition that the unpaid insurance premium

necessary to achieve the purpose of use:is paid. However, if there is a request from the policyholder and the insured person, the unpaid insurance premium①Subcontractors (including insurance agents) within the scope necessary for the performance of our businessamount can be deducted from the insurance money to be paid.

②Concerned parties involved in an insurance accident (such as repair companies, parties to the insurance accident, etc.)（7）If the insurance contract is renewed and the insurance premium for the renewal contract is paid, our company will
send a renewal notice to the policyholder by mail.

③Reinsurance companies for the conclusion of reinsurance contracts, notifications based on reinsurance contracts,
and claims for reinsurance money（8）Unless specifically requested by the policyholder, the previous insurance certificate and the renewal completion
notice will serve as the new insurance certificate after renewal.
★（9）Our company may take the following step, (1) or (2), after verifying the appropriateness of the insurance premium
rate through revenue and expenditure forecasts and other methods. In such cases, the policyholder will be notified
in advance with the renewal notice.

④ Other insurance companies, other small-amount short-term insurers, and the Small Amount & Short Term
Insurance Association of Japan for reference in making decisions on contract conclusion, contract content
changes, and insurance payments⑤ Our company and the Starts Group, and our company and our affiliated companies when such information is
jointly used for the promotion of products and services① At the time of renewal of the insurance contract, the insurance premium may be increased, or the insurancemoney may be decreased.

For more details on our handling of personal information and our products and services, visit our website (https://www.suma-pula.ssi.co.jp), or reach out to the contact information you can find on the back of your policy booklet.

②If the product becomes unprofitable and it becomes difficult to accept the renewal contract, the renewal may not
be proceeded.

⓫ How to Exercise Cooling-Off Rights (Withdrawal of Insurance Contract Application by the
Applicant or Policyholder)★（1）The applicant or policyholder of an insurance contract can exercise their cooling-off rights, which allow them towithdraw their application, within eight (8) days from the later of the application date or the date of receipt of thisdocument containing information about the withdrawal of the insurance contract application. This can be done inwriting or through electronic records.
（2）If a cooling-off is exercised and insurance premiums have already been paid, our company will refund the fullamount of the premiums already paid.

⓮ Omission of Issuance of Insurance Certificates

If the policyholder agrees to omit the issuance of the insurance certificate after completing the insurance contract
application procedure online, the issuance of the insurance certificate may be omitted. The contents displayed on the
My Page section for each policyholder on our company's website will be deemed as the contents of the insurance
certificate. If the policyholder requests the issuance of an insurance certificate from our company, we will promptly issue
the insurance certificate. (Article 49 of the General Insurance Conditions: Omission of Issuance of Insurance Certificate)⓯ Duplicate Coverage

Regarding the personal liability insurance and portable contents insurance covered by Sumai Plus, there may be duplicate
coverage if other insurance contracts with similar coverage exist (including special agreements set in insurance contracts（3）To exercise the cooling-off, a request needs to be sent to our company within the period specified in (1) (postmark
valid) by mail (sealed letter or postcard) or email.

other than fire insurance and those from insurers other than our company). When coverage duplicates, the relevant
accident will be covered by either insurance contract, but there may be cases where one of the insurance contracts does

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not pay out. Confirm the differences in coverage and the payment limits before entering into the contract. (Refer to thetable in the General Insurance Conditions regarding payment limits when other insurance contracts are in place.)
Similar insurance contracts that may have duplicate coverage
Insurance included in the package

Examples of other insurance contracts that may lead to duplicate coverage

Personal liability insurance

Personal liability coverage in auto insurance

Portable contents insurance

Personal effects coverage in accident insurance⓰ Payment Information Exchange System

Process from Accident Report to Insurance Payment
The basic process from reporting an accident to receiving insurance payment is shown below.
The procedure and process may vary depending on the circumstances of the damage. Feel free to consult
us if you have any questions or concerns.

Policyholder or insured person

Starts Small Amount
Short-Term Insurance Company

Report an accident (throughAccident Reception Center)

Accept the report and confirm
the contract details

Prepare and return necessary
documents (such as damage
verification docs)

Confirm the accident causes anddamage circumstances, and explain
necessary documents (such as
damage verification docs)

In collaboration with the Small Amount & Short Term Insurance Association of Japan, small-amount and short-term
insurers, and certain general insurance companies, our company mutual consults a set of specified information related
to insurance contracts. This process serves as a reference for the payment of insurance claims and for decisions
regarding the cancellation, annulment, or invalidation of insurance contracts.
* For a list of small-amount and short-term insurance companies participating in the Payment Information Exchange
System, visit the website of the Small Amount & Short Term Insurance Association of Japan (https://www.
shougakutanki.jp/).

⓱ Payments when the Rent Guarantee Company Pays the Premium in AdvanceThe special provision for the payment of premiums by the rent guarantee company will apply. The premium will bebilled through the rent guarantee company in the manner agreed upon between the customer and the rent guarantee
company. This special provision will become invalid when the guarantee entrustment contract is terminated, and as aprinciple, cancellation procedures will be necessary. The cancellation refund will be paid upon confirmation that thepolicyholder has paid the premium to the rent guarantee company.

Receive necessary documents sent,
confirm the damage, and estimate
the insurance payout amount⓲ Payments when the Management Company or Similar Collects the Premium

The special provision for the payment of premiums through group collection will apply. The premium will be billed
together with the rent and other charges payable to the management company or similar. This process will become
invalid when the lease agreement is terminated, and as a principle, cancellation procedures will be necessary.

⓳ Other Legal and Regulatory Points to be Noticed(1)If an event occurs that significantly affects the basis of the insurance contract calculation, in accordance with theConfirm the receivable insurance
amount and return the filledinsurance claim application form

Inform the payable insurance
amount and send the insurance
claim application form

Receive the insurance money

Pay the insurance moneycompany’s regulations, we may increase the insurance premium or decrease the insurance payout amount during
the insurance period.
(2)If circumstances arise that significantly affect the insurance contract calculation as this contract becomes
unprofitable, in accordance with the company’s regulations, we may decrease the total amount of the insurance
premium or the insurance payout amount at the time of contract renewal. Additionally, if it becomes difficult toaccept the renewal contract, the renewal may not be proceeded.
(3)Even in cases that qualify for insurance payouts, if a major disaster occurs or other similar circumstances arise thatsignificantly affect our company’s finances, in accordance with the company’s regulations, we may reduce and pay
the insurance money.

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We do not provide a settlement negotiation service to conduct negotiations with victims onbehalf of the insured person. However, we do offer appropriate and helpful advice for ourcustomers. Please always communicate and consult with our representatives throughout any
settlement negotiations pertaining to compensation incidents.

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