**(6) A determination by the Director of Insurance that continuation of this policy would jeopardize our solvency or place us in violation of the insurance laws of Idaho or any other state; or**

**(7) Violation or breach by the insured of any policy terms or conditions other than nonpayment of premium.**

*We will mail or deliver written notice of cancellation to the first Named Insured at least:*

**(a) 10 days before the effective date of cancellation if we cancel for non-payment of premium. If delivered via United States mail, the 10 day notification period begins to run five days following the date of postmark; or**

**(b) 30 days before the effective date of cancellation if we cancel for any other reason stated in 2.b. above.*

**B. The following Condition is added and supersedes any provision to the contrary:**

**NONRENEWAL**

1. *If we elect not to renew this policy, we will mail or deliver to the first Named Insured a written notice of intention not to renew at least 45 days prior to the expiration or anniversary date of the policy.*

2. *We will mail or deliver our notice to the first Named Insured's last mailing address known to us.*

3. *If notice is not mailed or delivered at least 45 days before the expiration or anniversary date of this policy, this policy will remain in effect until 45 days after notice is mailed or delivered. Earned premium for the extended period of coverage will be calculated pro rata at the rates applicable to the expiring policy.*

4. *We need not mail or deliver this notice if:*
   *a. We have offered to renew this policy;*
   *b. You have obtained replacement coverage;*
   *c. You have agreed in writing to obtain replacement coverage.*

**C. The following Condition is added:**

**PREMIUM OR COVERAGE CHANGES AT RENEWAL**

1. *If we elect to renew this policy, we will mail or deliver written notice of any total premium increase greater than ten percent (10%) which is the result of a comparable increase in premium rates, change in deductible, reduction in limits or reduction in coverage to the first Named Insured, at the last mailing address known to us.*

2. *Any such notice will be mailed or delivered to the first Named Insured at least 30 days before the expiration or anniversary date of the policy.*

3. *If notice is not mailed or delivered at least 30 days before the expiration or anniversary date of the policy, the premium, deductible, limits and coverage in effect prior to the changes will remain in effect until the earlier of the following:*
   *a. 30 days after notice is given; or*
   *b. The effective date of replacement coverage obtained by the first Named Insured.*

4. *If the first Named Insured accepts the renewal, the premium increase, if any, and other changes will be effective on and after the first day of the renewal term.*

5. *If the first Named Insured elects not to renew, any earned premium for the resulting extended period of coverage will be calculated pro rata at the lower of the new rates or rates applicable to the expiring policy.*

6. *If notice is mailed, proof of mailing will be sufficient proof of notice.*