(6) Loss of reinsurance by us which provided coverage to us for a significant amount of the underlying risk insured. Any notice of cancellation pursuant to this item shall advise the policyholder that he or she has 10 days from the date of receipt of the notice to appeal the cancellation to the commissioner of commerce and that the commissioner will render a decision as to whether the cancellation is justified because of the loss of reinsurance within 30 business days after receipt of the appeal;

(7) A determination by the commissioner that the continuation of the policy could place us in violation of the Minnesota insurance laws; or

(8) Nonpayment of dues to an association or organization, other than an insurance association or organization, where payment of dues is a prerequisite to obtaining or continuing such insurance. This provision for cancellation for failure to pay dues shall not be applicable to persons who are retired at 62 years of age or older or who are disabled according to social security standards.

Under this Item B.3.b., we will give notice at least:

(1) 10 days before the effective date of cancellation, if we cancel for nonpayment of premium. The cancellation notice shall contain the information regarding the amount of premium due and the due date, and shall state the effect of nonpayment by the due date. Cancellation shall not be effective if payment of the amount due is made prior to the effective date of cancellation; or

(2) 60 days before the effective date, if we cancel for a reason described in Paragraphs B.3.b.(2) through (8) above. The notice of cancellation will state the reason for cancellation.

4. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund.

5. Proof of mailing of any notice shall be sufficient proof of notice.

C. The following applies with respect to coverage provided under the following:

FARM COVERAGE PART

1. Policies In Effect 60 Days Or More

a. If this Coverage Part covers buildings used for residential purposes and has been:
(1) In effect for at least 60 days, or
(2) Renewed by us,
Paragraphs A.2. and A.6. of the Cancellation Common Policy Condition do not apply, and the following is added to the Cancellation Common Policy Condition:

b. We may not cancel this policy, except for:
(1) Nonpayment of premium;
(2) Misrepresentation or fraud made by you or with your knowledge:
(a) In obtaining this policy; or
(b) In connection with a claim under this policy;
(3) An act or omission by you that materially increases the risk we originally accepted; or
(4) A physical change in the Covered Property which:
(a) Is not corrected or restored within a reasonable time after it occurs; and
(b) Results in the property becoming uninsurable.

c. We may cancel this policy by giving the first Named Insured written notice of cancellation at least:
(1) 20 days before the effective date of cancellation, if we cancel for nonpayment of premium; or
(2) 30 days before the effective date of cancellation if we cancel for a reason described in Paragraphs C.1.b.(2) through (4).

Such notice will be mailed or delivered to the first Named Insured and will contain the reason for cancellation. Proof of mailing of any notice shall be sufficient proof of notice.