From: Richard Kahn Sent: Tuesday, August 7, 2012 9:14 PM To: Jeffrey Epstein Subject: Homeowners Insurance Attachments: SKMBT_C25312080716420.pdf-, Untitled attachment 00055.htm Attached is the declarations page of Florida insurance policy for =eriod ended 7/15/2012. I have not yet received the renewal =umbers as they just did an inspection for Florida and we are awaiting =eedback. I do not anticipate a change of more than 5% in either =irection Florida Key =acts: Total =overage House 4,909,785 Other =tructures 981,957 Contents =,454,893 Total Cost =5,815 Deductible: 25,000 Hurricane =eductible of 2% of House Coverage or =8,196 L.S1 Cost without =enerator and mechanical buildings 215,234 plus approximately 15,000 for =ew structures = 230,234 Total Cost for =lorida & LS1 = 266,049 3 year cost =lorida & LSJ = 798,147 My =onservative thoughts are to renew Florida and LSJ. I would =ttempt to eliminate more structures from LSJ to bring premium down to =pproximately $200,000. Since insurance covers both liability =nd other potential incidents such as fire i believe you are safer to =uy insurance and not self insure. One less headache you need to =orry about.. In addition i think that storm patterns for =aribbean, florida and mexico all have a mind of their own and we cannot =ccurately pick which spot is more =xposed. Please =dvise PLEASE NOTE EFFECTIVE JUNE 5TH MY CONTACT INFO WILL BE AS =OLLOWS: Richard Kahn HBRK Associates =nc. 575 Lexington Avenue, =th Floor, EFTA_R1_02074545 EFTA02702426