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Proposal - JC Desert Enterprises, Inc. dba La Quinta Palms Realty / JC Desert RentalsJC Desert Enterprises, Inc. DBA La Quinta Palms Realty / JC Desert Rentals 50991 Washington St., Ste A177 La Quinta, CA 92253 (760) 564-4104 February 16, 2026 Doug Kinley Senior Management Analyst City of La Quinta 78495 Calle Tampico La Quinta, CA 92253 RE: RFP — Residential Property Management Services for Dune Palms Mobile Home Estates Dear Mr. Kinley: JC Desert Enterprises, Inc., doing business as La Quinta Palms Realty and JC Desert Rentals, is pleased to submit this proposal to provide Residential Property Management Services for Dune Palms Mobile Home Estates. Our firm has been serving the La Quinta community for nearly two decades. I have personally managed residential properties since 2007 and acquired La Quinta Palms Realty in 2022. We currently manage more than 200 residential units throughout the Coachella Valley, including 28 long-term rental homes owned by the City of La Quinta in the La Quinta Cove. As a California licensed Real Estate Broker, California Certified Residential Manager, and holder of a Property Manager Master Certification, I will serve as Project Manager and primary point of contact for the Housing Authority. An on -site employee will support daily operations to ensure responsiveness and effective tenant relations. Our firm emphasizes compliance, structured financial reporting, and strong resident communication. We utilize AppFolio property management software to ensure accurate accounting, transparent reporting, and timely rent collection. All pricing and information contained within this proposal shall remain valid for a minimum of ninety (90) days. We affirm that no conflicts of interest exist that would impair our ability to provide services to the La Quinta Housing Authority. We appreciate the opportunity to submit this proposal and look forward to potentially serving Dune Palms Mobile Home Estates. Sincerely, Robin Carney President robin@laquintapaimsrealty.com JC Desert Enterprises, Inc. 1._Co_v_er Letter- Included Summary - JC Desert Enterprises, Inc. respectfully submits this proposal to provide residential property management services for the 70-space Dune Palms Mobile Home Estates. Our existing working relationship with the City of La Quinta provides continuity, institutional familiarity, and an understanding of municipal accountability standards that uniquely positions our firm to successfully manage Dune Palms Mobile Home Estates. 2 F rm_s B�kgrou_r!_c�Qaalifications,_and Experience (a) Number of years in.business -The firm has provided residential property management services in the Coachella Valley since 2007. In 2022, current ownership assumed control of La Quinta Palms Realty and continues to operate under a structured, compliance -focused management model. (b) Taxpayer identification_number- 88-3738381 M_Number of.years_pedormingthis_service_- Robin Carney has been a Property Manager for Residential properties for 20 years. (dYR,esu es W the Proigct Manager -Robin Carney, Broker DRE #01760041, will serve as Project Manager and primary point of contact. Qualifications include: • California Licensed Real Estate Broker • California Certified Residential Manager • Property Manager Master Certification • 20 years of residential property management experience An on -site employee will be assigned to handle daily operational responsibilities, resident interaction, and maintenance coordination. (e) Firm ownership if incorporated, list the state in which the firm._ is incorporated and t e date of incorporati" - JC Desert Enterprises is an S-Corporation registered in the State of California. Incorporated in 2022. 3. Approach and_ Methodology (a) A det iled description of howthe firm will approach the management of Dune Palms Mobile Estates,__including key strategies for maintenance, tenant relations,_ rent collection, and regulatory compliance - JC Desert Enterprises will provide a minimum of 30 hours per week of onsite management presence for the Dune Palms community. An onsite employee will handle daily operations, resident relations, maintenance coordination, and documentation. Robin Carney will serve as Project Manager and primary Liaison to City staff. Regulatory Compliance - JC Desert Enterprises understands the requirements of the California Mobilehome Residency Law (Civil Code §798-799.11) and commits to completing the CaIOHA Park Manager Training Program within 90 days of contract award. Maintenance & Public Works Coordination - Our firm will work collaboratively with City Housing staff and Public Works to coordinate infrastructure improvements, vendor scheduling, inspections, and capital projects. Financial Reporting & Transparency - Using AppFolio property management software, we will provide monthly financial statements, income and expense reports, payroll reimbursement documentation, vendor invoices, and reserve tracking. All reimbursements will be clearly separated from management fees. (b)_A timeline or phased a-iaoroach for transitioning management responsibilities d iimplementing_jervives - First 30 Days: - Establish direct communication channels with residents and provide introductory notice of management transition. - Review all resident files and leases - Audit financial records - Meet with current onsite manager - Evaluate maintenance backlog First 60 Days: - Conduct property -wide inspection - Review vendor contracts - Meet with City Housing and Public Works Within 90 Days: - Complete CaIOHA Park Manager Training Program - Implement Mobile home Residency Law compliance checklist 4 References of California government agencies Weferably_c_ities located_In California.) (a1 Client name, client project manager, -telephone number, and email address (b) Project description (c) Project start date, an-dend date (d)_Staff assigned_Q each project by the firm (e) Provide a summary of final outcome - Client: City of La Quinta Project: Management of 28 Long -Term Rental Homes (La Quinta Cove) Project Start Date: 2007 Status: Ongoing Assigned Staff: Robin Carney, Broker / Project Manager Scope: Rent collection, maintenance oversight, monthly reporting, regulatory compliance Outcome: Successful ongoing management relationship demonstrating municipal compliance and reporting capability. Gilbert Villalpando Director of Business Unit and Housing Development City Managers Office at City of La Quinta 78495 Calle Tampico La Quinta, Ca 92253 760-777-7094 gvillalpando@laquintaca.gov 5. Fee Schedule Proposal shall include a detailed fee schedule for the services requested by this_RFP. - Contract Period Monthly Fee AnnualAmount June 1, 2026 - June 30, 2026 $3,260 $3,260 FY 2026/2027 $3,423 $41,076 FY 2027/2028 $3,595 $43,140 $45,300 FY 2028/2029 $3,775 On -site payroll and operating expenses (software, phone, internet, administrative tools) will be paid by JC Desert Enterprises and reimbursed by the City as documented pass -through expenses. 6. List of Complementary Services Offered b.y Proposer along with Corresponding Prices - In addition to the core Scope of Services outlined in this proposal, JC Desert Enterprises offers the following complementary services. These services are optional and may be utilized at the City's discretion. Included at No Additional Charge The following services are included within the proposed monthly management fee: • Monthly financial reporting • Vendor coordination and oversight • Resident communications and notices • Routine compliance monitoring • Coordination with City Housing and Public Works • Work order tracking and documentation Optional Professional Services (if requested by the City and outside the standard Scope of Services) may be provided at an hourly rate of $95 per hour. These may include special compliance audits, court appearances, major capital project oversight, or additional meeting attendance beyond routine reporting obligations. 7. Staffing and Project_Organization - The on -site manager assigned to Dune Palms Mobile Home Estates will be employed by JC Desert Enterprises, Inc. The firm will assume full responsibility for payroll administration, employment compliance, supervision, and performance management. All payroll -related costs, including wages, payroll taxes, workers' compensation insurance, and applicable employment benefits, will be paid by JC Desert Enterprises and submitted to the City for reimbursement as documented pass -through expenses. This structure provides: • Clear independent contractor status between the City and on -site personnel • Proper human resources oversight and supervision • Compliance with payroll tax and employment law requirements • Workers' compensation coverage and risk mitigation • Reduced administrative burden for the City JC Desert Enterprises will remain fully responsible for employee management, discipline, and compliance with all applicable labor regulations. 8._Subcontracting Services Subcontracting any_portion(s)of the Scope of Services_Ls rtot_pref e-rable;--hQweve ' a proposer ca e_ momtmte o t City'S_a_atisfaction that is in the best interesA_&_the ptoject to permit a Rortion-qf-the services) to be subcWtracted by_t.t epm osar• it may be considered. Prov_[de details on the role of any subcontrac o t t M(Lbe used._ Assignment is prohibited.. - JC Desert Enterprises, Inc., does not intend to subcontract any portion of the Scope of Services related to property management, onsite supervision, financial reporting, regulatory compliance, or resident services for Dune Palms Mobile Home Estates. All core management functions will be performed directly by 1C Desert Enterprises personnel, including the designated Project Manager and onsite employee. From time to time, licensed and insured third -party vendors (e.g., plumbing, electrical, Landscaping, HVAC, and specialized contractors) may be retained to perform maintenance, repair, or capital improvement work as needed. These vendors are not subcontractors of management services, but independent service providers engaged for specific maintenance tasks. JC Desert Enterprises will remain fully responsible for vendor oversight, contract compliance, quality control, and coordination with City Housing and Public Works departments. No assignment of this agreement or transfer of management responsibilities is contemplated. S. pI-s-cl9sures - JC Desert Enterprises affirms that it has not been subject to litigation, regulatory action, or contract termination for cause in connection with property management services. 1.0. Acknowledgement of Insurance Requirements_(Attachment 2) - JC Desert Enterprises maintains Commercial General Liability, Professional Liability (E&O), and Workers' Compensation insurance as required by the RFR JC Desert Enterprises acknowledges the insurance requirements outlined in Exhibit E and will provide certificates and required endorsements prior to commencement of services. 11. Non -Collusion Affidavit (Attachment 3) - The undersigned certifies that this proposal is genuine and not made in the interest of any undisclosed person, firm, or corporation, and has not been collusively prepared. 2. Acknowledgement of Addenda (Attachment 4) - JC Desert Enterprises acknowledges receipt of all addenda issued in connection with this RFR Submitted respectfully, Robin Carney President, JC Desert Enterprises, Inc. ATTACHMENTS 1. Agreement for Contract Services 2. Insurance Requirements Acknowledgement Must be executed by proposer and submitted with the proposal 3. Non -Collusion Affidavit Must be executed by proposer and submitted with the proposal 4. Addenda Acknowledgement Must be executed by proposer and submitted with the proposal t(Vau�� CALIFORNIA -- ATTACHMENT 2 INSURANCE REQUIREMENTS ACKNOWLEDGEMENT Must be executed by proposer and submitted with the proposal I, Sun Cotro-e_V (name) hereby acknowledge and confirm that TG 6-esey+ tvi4trpr(scs Inc. (name of company) has reviewed the City's indemnification and minimum insurance requirements as listed in Exhibits E and F of the City's Agreement for Contract Services (Attachment 1); and declare that insurance certificates and endorsements verifying compliance will be provided if an' agreement is awarded. I am I�resld-W4 of JC besera- E7n+a-pill scs (Title) (Company) Commercial General Liability (at least as broad as ISO CG 0001) $1,000,000 (per occurrence); $2,000,000 (general aggregate) Must include the following endorsements: V- General Liability Additional Insured General Cia—bility Primary and Noncontributory Commercial Auto Liability (at least as broad as ISO CA 0001) $1,000,000 (per accident) Errors and Omissions Liability $1,000,000 (per claim and aggregate) �- Worker's Compensation (per statutory requirements) Must include the following endorsements: t,Qw Worker's Compensation Waiver of Subrogation Worker's Compensation Declaration of Sole Proprietor if applicable C ber Liab[k $1,000,000(per occurrence / $2,000,000 (aggregate ta aiacu CALIFORNIA - ATTACHMENT 3 NON -COLLUSION AFFIDAVIT FORM Must be executed by proposer and submitted with the proposal f02« CQr n (name) hereby declare as follows: l am 5i 614' + of J C. De U+ Ea4rPnses Inc-, (Title) (Company) the party making the foregoing proposal, that the proposal is not made in the interest of, or on behalf of, any undisclosed person, partnership, company, association, organization, or corporation; that the proposal is genuine and not collusive or sham; that the proposer has not directly or indirectly induced or solicited any other proposer to put in a false or sham proposal, and has not directly or indirectly colluded, conspired, connived, or agreed with any proposer or anyone else to put in a sham proposal, or that anyone shall refrain from proposing; that the proposer has not in any manner, directly or indirectly, sought by agreement, communication, or conference with anyone to fix the proposal price of the proposer or any other proposer, or to fix any overhead, profit, or cost element of the proposal price, or of that of any other proposer, or to secure any advantage against the public body awarding the agreement of anyone interested in the proposed agreement; that all statements contained in the proposal are true; and, further, that the proposer has not, directly or indirectly, submitted his or her proposal price or any breakdown thereof, or the contents thereof, or divulged information or data relative hereto, or paid, and will not pay, any fee to any corporation, partnership, company, association, organization, proposal depository, or to any member or agent thereof to effectuate a collusive or sham proposal, I declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct. Proposer Signature � x-Dk_� Proposer Name: Carn5' Proposer Title: are s i d'eA4- Company Name: , C De—>EV--+ E(xAre{Pry Address: OGq ( Wq hiAGfirt a sic AITZ to Quind 64 gZZ53 ta QaNfr(v CALIFOKNIA - ATTACHMENT 4 ACKNOWLEDGEMENT OF RECEIPT OF ADDENDA Must be executed by proposer and submitted with the proposal; If no addenda has been issued, mark "N/A" under Addendum No. indicating Not Applicable and sign ADDENDUM NO. Rehm -en, #- / 04-44 e n rn Wf 4k Z A-44 o7me* .0 3 SIGNATURE INDICATING RECEIPT �� ., ,acor;�` CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDD/YYYY) THIS CER IFICAIF IS I N c I I r I AAT o r. ..._ _ 09/17/2025 CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND FOR SALTER THE (COVERAGE AFFORDED BY THE POLICIEIS BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the pollcy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder In Ileu of such endorsements . PRODUCER CONTACT Hiscox Inc. d/b/a/ Hiscox Insurance Agency in CA NAME: PHONE ggg 202-3007 FAx 5 Concourse Parkway _IBIC No Exp: ( ) lac, Nat: Suite 2150 EonAlEss contactQhiseox,com Atlanta GA, 30328 �nlu/ nr rvnumu 1. V YCKNGt NAIC # INSURED INSURERA: Hiscox Insurance Company Inc 10200 JC Desert Enterprises Inc DBA La Quinta Palms Realty INSURER B : 83787 Salva Ct INSURER C : Indio, CA 92203 INSURER D : INSURER E INSURER F. COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED, NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. LSR TYPE OF INSURANCE DDL 9 BR POL'CDY EFF �PAO IC EXP LIMITS POLICY NUMBERMIDONYYMn X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE is 1,000000 CLAIMS -MADE IX OCCUR _PRFMISES (Ea occurrencal I $ 100,000 A GEN'L X - P101.966.774.4 11 /01 /2025 11 /01 /2026 MED EXP (Any one person) $ 5,000 PERSONAL & ADV INJURY $ 0 AGGREGATE LIMIT APPLIES PER: POLICY ❑ PE� LOC OTHER: GENERAL AGGREGATE $ 2,000,00' PRODUCTS - COMP/OP AGG $ S/T Gen. $ AUTOMOBILE LIABILITY ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS HIRED AUTOS NON -OWNED AUTOS COMBINED SINGLE MIT Ea ecoldanU $ BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE Per acc dont $ U MBRELLA LIAB EXCESS LIAR OCCUR CLAIMS•MApE NIA EACH OCCURRENCE $ AGGREGATE $ DED RETENTION $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y 1 N ANYPROPRIETOR)PARTNER/EXECUTIVE OFFICE RIMEMBER EXCLUDED? ❑ (Mandatory In NHI II yes, describe under DESCRIPTION OF OPERATIONS below STATUTE OT ER $ E.L.EACH ACCIDENT S E.L. DISEASE • FA EMPLOYEE S E.L. DISFASP - POi 11:Y I IMIT I c DESCRIPTION OF OPERATIONS I LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, maybe attached if more space Is required) CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD -0-Z CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDD/YYYY) THIS CERTIFICATE IS I UED A A R RMA ON Y A D R5 RIG P E F RT I A E O OLDER STHIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the pollcy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsements). PRODUCER CONTACT Hiscox Inc. d/b/a/ Hiscox Insurance Agency in CA NAME: PHONE 88g 202-3007 FAX 5 Concourse Parkway PUVH ( ) (A/C Nos Suite 2150 Ao RE s: contact@hiscox.com Atlanta GA 30328 — -- — INSURED JC Desert Enterprises Inc DBA La Quinta Palms Realty 83787 Salve Ct Indio, CA 92203 COVERAGFS r+corrr�nw�r INSURERS AFFORDING COVERAGE NAIC 0 INSURERA: Hiscox Insurance Company Inc 10200 INSURERS: INSURER C : INSURER0: INSURER E : INSURERF: --' "' '—"' ""'•"' REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBft L POLICY EFF POLICY EXP R TYPE OF INSURANCE POLICY NUMBER MMIDO YYYY MMIDD/YYYY LIMITS COMMERCIAL GENERAL LIABILITY CLAIMS -MADE � OCCUR EACHOCCURRENCE $ 10 PREMISA occurrence) ncsl $ MED EXP (Any one person $ GEN'L AGGREGATE LIMIT APPLIES PER: JECT ❑ LOC POLICY ❑ PRO- OTHER: PERSONAL & ADV INJURY $ GENERAL AGGREGATE $ PRODUCTS -COMP/OPAGO $ $ AUTOMOBILE LIABILITY ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS HIREDAUTOS NON -OWNED AUTOS COMBINED SINGLE LIMIT EH acckfonl $ BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE o ecc dent $ UMBRELLALIAB EXCESS LIAB OCCUR CLAIMS -MADE EACH OCCURRENCE $ AGGREGATE $ DED RETENTION $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N OFFICE /MEMB R/PARTNER/EXECUTIVE (MandaWMEMBEREXCLUDED7 ❑ (Mandatory In NH) N/A 3TA UTE FR $ E.L. EACH ACCIDENT $ E.L. DISEASE- EA EMPLOYEE $ If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ A Professional Liability P101.966.424.4 11/01/2025 11/01/2026 Each Claim: $ 1,000,000 Aggregate: $ 1.000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, maybe attached if more space Is required) CFRTIFICATF Nnt III LP11 wil SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE -Y�p fz v ItPOO-LU'10AL;UKU cURPORATION. All rights reserved. ACORD 25 (2016103) The ACORD name and logo are registered marks of ACORD THE HARTFORD BUSINESS SERVICE CENTER THE 3600 WISEMAN BLVD HARTFORD SAN ANTONIO TX 78251 JC Desert Enterprises Inc DBA La Quinta Palms Realty 83787 SALVA CT INDIO CA 92203-2652 Account Information: Policy Holder Details : JC Desert Enterprises Inc DBA La Quinta Palms Realty February 16, 2026 El Contact Us Need Help? Chat online or call us at (866) 467-8730. We're here Monday - Friday. Enclosed please find a Summary Of Insurance for the above referenced Policyholder. Please contact us if you have any questions or concerns. Sincerely, Your Hartford Service Team THE.0 HARTFORD Account Policy Information: Agency Name PAYCHEX INSURANCE AGENCY INC/PHS Agency Code 76210756 Recipient Information JC Desert Enterprises Inc DBA La Quinta Palms Realty 83787 SALVA CT INDIO CA 92203-2652 Account Policy Recap Worker's Compensation Hartford Casualty Insurance SUMMARY OF INSURANCE Policy Number I Policy I Premium Term 76 WEG BB4USB 11/15/2025 to I $1,280 11 /15/2026 February 16, 2026 MI Sum of Insurance Summary of Insurance (Continued) Worker's Compensation Summary of Insurance with Hartford Casualty Insurance Company A member company of The Hartford 11/15/2025 - 11/15/2026 Policy Detail: Worker's Compensation Policy States: CA Location 1 Premises Address: 83787 SALVA CT I N D I O CA 92203-2652 Worker's Compensation Coveraaes: Employer's Liability Limits Limit Disease - Policy Limit $1,000,000 Bodily Injury —Accident $1,000,000 Disease - Each Employee $1,000,000 Class/Payroll Class Description Class Code Detail BU Location 1 - CA ILDING OPERATION - 8740 N.O.C. - PROPERTY MANAGEMENT SUPERVISORS - NOT RESIDENT MANAGERS OR SUPERVISORS Payroll 35,252 This Summary and its attachments provides a high level overview of policy coverages and does not include all conditions, limitations or exclusions. Please refer to the actual policy forms for detailed coverages, limits and deductibles. Sum of Insurance