SECTION PAGE RULES · claims to evaluate acceptability. NO-PAY CLAIMS: Generally no-pay claims are...

BMIC (09-15) 1 HOMEOWNER

HOMEOWNER

SECTION PAGE RULES:

ELIGIBILITY ................................................................................................................2-3

PROGRAM DESCRIPTION ..............................................................................................3-4

POLICYWRITING INSTRUCTIONS ......................................................................................4

PREMIUM DETERMINATION ..............................................................................................5

PREMIUM MODIFICATIONS ..............................................................................................5

OPTIONAL SECTION I: PERSONAL PROPERTY COVERAGES .................................................5-6

OPTIONAL SECTION II: LIABILITY COVERAGES ................................................................6-7

RATES: PREMIUM MODIFICATIONS ..............................................................................................7

OPTIONAL SECTION I: PERSONAL PROPERTY COVERAGES .................................................7-8

TERRITORY DEFINITIONS ................................................................................................8

PACKAGE RATES ....................................................................................................... 9-25

CPL COVERAGE RATES ............................................................................................. 26-27

Policy Fee: $50


RULE 1 - ELIGIBILITY

To qualify for Homeowner all dwellings (Preferred Form 5, Forms 3; 8, & Classic) must have gable or hip type roof (no flat roofs) and must have continuous masonry foundations. See roof replacement eligibility

requirements in the Underwriting section, page 10. Preferred Form 5: Dwelling must be built 1965 or newer and must have a central heating system.

Fireplace or insert only. No other wood heating system allowed (outside units heating water for dwelling heat are acceptable). You cannot write coverage on any risk in Class 10. Minimum limit of coverage is $120,000.

Form 3: Dwelling must be built 1965 or newer and must have a central heating system. Minimum limit of coverage is $80,000.

Form 8 & Classic: Updates required for pre-1965 homes.

Electrical – Must be fully rewired, if not, refer to underwriting Plumbing – Copper or plastic required, some galvanized accepted Heating – Does not have to have Central.

Valuation Form 8 – Insurable value written at market value. Minimum limit of coverage is $50,000 Classic – Insurable value written at replacement. Minimum limit of coverage is $80,000.

Renter Form 4 – HO4:

Contents coverage may be written on contents in the following: 1) dwelling 2) mobile home

3) apartment house Do NOT write in the following: 1) fraternity house

2) sorority house 3) commercial structure, unless Barton has the commercial coverage

College students are acceptable if Barton has supporting coverage. Minimum limit of coverage is $15,000.

Form 6 Condo: Two rating categories: (1) 1960 and newer or (2) Pre-1960

Should be owner’s primary residence. If rented or used as a seasonal, see the Rental or Seasonal section.

Minimum limit of coverage is $30,000. 1.1 OWNER OCCUPIED

A policy may be issued to an owner-occupant of a dwelling used only for private residential purposes and occupied by no more than four families and no more than two boarders or roomers per family.

1.4 DWELLING UNDER CONSTRUCTION

A policy may be issued to cover the interest of the intended owner-occupant of a dwelling under construction. See Underwriting page 9.

1.6 UNDERWRITER APPROVAL REQUIRED ON THE FOLLOWING

(1) Applicant that has plead guilty or been convicted of a felony.

(2) Any dwelling where the roof covering is slate, asbestos, concrete or any non-standard

material. We will accept the risk, given these roof coverings, if the insured will agree to a

roof exclusion.


(3) Risks with unfenced in-ground swimming pools.

(4) Risks with pools with diving boards.

1.7 CLAIM UNDERWRITING

The following are guidelines concerning claims history and acceptability. Each applicant and claim scenario is different, so the underwriter will review the entire account and the type of claim or claims to evaluate acceptability.

NO-PAY CLAIMS: Generally no-pay claims are treated as a paid claim.

SINGULAR RISK: 2 claims in 3 years or 3 claims in 5 years would disqualify a risk.

If there are more than 2 fire claims in the last 5 years, regardless of the number of properties, the risk will be declined.

RULE 2 - PROGRAM DESCRIPTION

The following is a general description of the coverages provided by the Homeowner forms. The policy forms

state the complete conditions. 2.1 SECTION 1 COVERAGES - PROPERTY (MANDATORY): MINIMUM LIMITS

Coverage A - Residence Coverage B - Related Private Structures, 10% of Coverage A

Coverage C - Personal Property, 50% of Coverage A Coverage D - Additional Living Expense, 10% of Coverage A

Forms 3, 8 and Classic cover the residence, private structures and additional living expense against all physical loss, with certain exceptions. Personal Property is covered for the perils shown on Form

4 below.

Preferred Form 5 covers the residence, private structures, personal property, and additional living expense against all physical loss, with certain exceptions.

Form 4 covers personal property and additional living expense against losses resulting from the perils indicated below.

Fire or Lightning Theft Windstorm or Hail Falling Objects

Explosion Weight of Ice, Snow or Sleet Riot or Civil Commotion Collapse of Building Aircraft Vehicles

Glass Breakage Sinkhole Collapse Freezing

Volcanic Eruption Accidental Discharge or Overflow of Water or Steam Vandalism & Malicious Mischief

Sudden & Accidental Damage from Smoke Sudden & Accidental Damage from Artificially Generated Electrical Currents Sudden & Accidental Tearing Apart, Cracking, Burning, or Bulging

CONDO – FORM 6

Coverage A - (the condo unit) 15% of Coverage C Coverage B - None Coverage C - 100%


Coverage D - Additional Living Expense, 20% of Coverage C

The Condo unit and Contents are both Special From.

2.2 SECTION II COVERAGES - LIABILITY (MANDATORY) Personal Liability - Pays on behalf of the insured for damages due to bodily injury or property

damage caused by an occurrence related to the insured's premises or personal activities.

SECTION II COVERAGES ALL FORMS

Personal Liability $100,000 each occurrence

Medical Payments to others $1,000 each person/$25,000 ea. accident

RULE 3 - POLICYWRITING INSTRUCTIONS

3.2 ANNUAL TERM policies are written for a one year term. Rates are subject to change at

anniversary.

3.5 ADDITIONAL INTERESTS

The policy may cover the interests of additional owners at no additional premium. This coverage

is limited to the building and premises liability.

3.7 RESTRICTION OF COVERAGE

If a policy would not be issued because of unusual exposures, the applicant may request a

restriction of coverage at no reduction of premium. The request, signed by the applicant, must be

referred to the Company. 3.8 CANCELLATION OR REDUCTIONS IN LIMITS OF LIABILITY OR COVERAGES

Mandatory coverages may not be cancelled unless the entire policy is cancelled. If the policy or

non-mandatory coverages are cancelled or the amount of insurance is reduced, return premium is computed on a pro-rata basis.


RULE 4 - PREMIUM DETERMINATION Annual premiums and rates are shown in the rate pages. The basic policy premiums are for property and

liability coverages. LIABILITY COVERAGE FOR THE FOLLOWING EXPOSURES ARE REQUIRED IF THEY EXIST: (The additional

premium is shown in the rate pages.)

All additional or secondary residence premises where the named insured or spouse maintains a residence other than business or farm properties.

All residence employees of the named insured or spouse not covered or not required to be covered by Workers' Compensation Insurance. A charge is required for residence

employees in excess of two. Incidental office, professional, private school or studio occupancies by the named

insured on residential premises of the named insured.

RULE 6 - PREMIUM MODIFICATIONS

6.1 PROTECTIVE DEVICES

Premium credits are available in the rate pages for approved and properly maintained

central station burglary and/or fire alarm and sprinkler systems.

RULE 7 - OPTIONAL SECTION I PERSONAL PROPERTY COVERAGES 7.4 RELATED PRIVATE STRUCTURES

7.4.1 Increased Limits - An additional amount of insurance may be written on a specific private

structure at the additional premium shown in the rate pages. The amount of coverage purchased shall not increase the coverage B limit. The amount purchased is the only amount applicable to specific structures.

7.5 PERSONAL PROPERTY

7.5.1 Increased Limit - The Coverage C limit of liability may be increased at the additional premium shown in the rate pages.

7.6 REPLACEMENT VALUE - PERSONAL PROPERTY

Personal property may be insured for replacement value at the additional charge shown in the rate pages. Replacement cost is included for personal property in the Preferred program.

7.13 REFRIGERATED FOOD PRODUCTS

Coverage is included for loss or damage to food products contained in a freezer or refrigerated unit. $500.00 limit.

7.14 ADDITIONAL LIVING EXPENSES

Coverage D may be increased at the additional premium shown in the rate pages. Show limit on declarations page.


RULE 8 - OPTIONAL SECTION II LIABILITY COVERAGES All mandatory or optional Section II Coverages must be written at the same limit.

8.1 ADDITIONAL RESIDENCE PREMISES - RENTED TO OTHERS

Generally extension of liability is not allowed. Liability must be written on the same policy insuring the rental or seasonal dwelling. Special exceptions will be allowed.

8.4 BUSINESS ACTIVITIES

Coverage may be provided for the liability of an insured arising out of business activities, other than a business of which the insured is sole owner or a partner, at the additional premium shown in the

rate pages. Classify as shown below, and apply the charges to each person insured.

CLASSIFICATIONS:

8.4.4 Teachers - Athletic, laboratory, manual training, physical training and swimming instruction, excluding liability for corporal punishment of pupils.

8.4.5 Teachers - Not otherwise classified, excluding liability for corporal punishment of pupils.

8.4.6 Teachers - Liability for corporal punishment of pupils. Additional premium for this coverage must be added to the premium for classification 8.4.4 or 8.4.5.

OCCUPATIONS NOT OTHERWISE CLASSIFIED - REFER TO COMPANY.

8.6 OWNED SNOWMOBILES AND ATV - OFF PREMISES Coverage may be provided for each snowmobile or ATV owned by an insured residing in the named

insured's household at the premium shown in the rate pages.

8.7 OUTBOARD MOTORS AND WATERCRAFT Coverage may be provided for watercraft not covered by the policy at the premiums shown in the

rate pages. For rating purposes, combine the horsepower of all outboard motors used together with

any single watercraft owned by the insured.

Sailboats 26 to 40 feet inclusive equipped with auxiliary power are classed as inboard motor boats.

8.8 PERSONAL INJURY

Coverage may be provided for the named insured's legal liability resulting from the false arrest, libel, slander or invasion of privacy of another. The additional premium is shown in the rate pages.


PREMIUM MODIFICATIONS 6.1 CENTRAL STATION ALARM SYSTEM: 5% CREDIT for burglary & 5% CREDIT for fire (after any

deductible credits) SPRINKLER: 3% CREDIT (after any deductible credits)

6.2 CHANGES IN PACKAGE LIMITS. Rate per $1000.

CLASS 1-9 CLASS 10

RELATED PRIVATE

STRUCTURES

ADD 3.85 6.60

DECREASE 3.00 5.15

PERSONAL

PROPERTY

ADD 3.00 4.00

DECREASE 2.34 3.12

ADD'L LIVING

EXPENSE

ADD 4.00 4.00

DECREASE 3.12 3.12

DECREASES normally restricted to special situations (parsonages). INCREASES should be accompanied by

an explanation (photo of outbuilding; high quality furnishings, etc.).

OPTIONAL SECTION I - PERSONAL PROPERTY COVERAGES

7.6 REPLACEMENT VALUE PERSONAL PROPERTY

7.6.1 Preferred: Included. 7.6.2 Form 3, 4 and Classic: Flat $25.00 charge 7.6.3 Form 8: Increase basic policy premium by 10%. Minimum premium is $25.00.

Form 6 Condo: Flat $40 charge.

7.13 REFRIGERATED FOOD PRODUCTS $500 coverage included.

BOAT DOCKS - (Collapse coverage is excluded by the policy.) To cover boat docks for collapse, schedule the dock Inland Marine. See IM page 24 for details. $11.00 per 1,000

INCREASED COST - ORDINANCE OR LAW - INCREASED LIMITS OF COVERAGE

Our HO forms provide a limited amount of coverage for the increased cost that results from the enforcement of a code, ordinance, or law that regulates the construction, repair, replacement, or demolition of property following a covered loss. 10% of Coverage A is included. The increases shown

on the chart below are increases outside Coverage A.

Premium Determination -- Determine the basic policy premium; multiply the premium by the appropriate factor shown below.

Total Percentage Factor

25% 1.05

50% 1.15

75% 1.25

100% 1.35


MANDATORY COVERAGES The following mandatory coverage applies to all Homeowner policies:

Family Cyber Protection ($26 annual premium):

Provides a $15,000 aggregate limit with a $1,000 deductible for the following coverages: Online

Extortion, Social Engineering, Cyber Bullying, Identity Theft, System Compromise, Internet Clean Up, and Breach Costs. Excludes activities related to a home-based business.

The following mandatory coverage applies to all Homeowner policies except Form 4 and Condo:

Service Line Enhancement Endorsements ($20 annual premium): Provides coverage for damage to underground service lines as a result of a covered failure (covered

cause of loss includes wear and tear of line). Coverage is limited to the dwelling.

TERRITORY DEFINITIONS

TWO TERRITORIES:

TERRITORY 1:

BUTLER MADISON ST CHARLES CLAY MISSISSIPPI ST LOUIS DUNKLIN NEW MADRID STODDARD

JACKSON PEMISCOT WAYNE JEFFERSON SCOTT

TERRITORY 2:

BALANCE OF STATE


RENTER FORM 4 – HO4 TERRITORY 1

Includes $100,000 CPL/$1,000 Med Pay/10% ALC Deductible: $500 all other perils / $1,000 wind hail

DEDUCTIBLE CREDITS: $1,000 all other perils / $2,000 wind hail - 10% credit

$2,000 - 17% credit $2,500 - 20% credit $3,000 - 25% credit

ADDITIONAL CHARGES:

26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the cause of

loss. $4,000 limitation. $500 Deductible. 35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required. 25.00 REPLACEMENT CONTENTS

25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of artificially generated electrical currents, mechanical breakdown, and losses from pressure

equipment.

COVERAGE CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10

15,000 198.13 208.80 217.94 227.10 340.65

20,000 211.85 224.04 233.19 242.34 375.34

25,000 242.34 254.53 265.21 280.46 434.80

30,000 272.83 285.03 298.75 315.52 492.60

Ea. add'l $1,000 7.86 8.41 8.78 9.30 15.08

RENTER FORM 4 – HO4 TERRITORY 2 Includes $100,000 CPL/$1,000 Med Pay/10% ALC

Deductible: $500 all other perils / $1,000 wind hail

COVERAGE CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10

15,000 185.79 195.49 203.81 212.12 315.73

20,000 198.26 209.35 217.67 225.98 347.26

25,000 225.98 237.07 246.77 260.63 401.31

30,000 253.70 264.79 277.27 292.51 453.87

Ea. add'l $1,000 7.14 7.66 7.97 8.45 13.71


HOMEOWNER FORM 3 TERRITORY 1

100%-10%-50%-10% package $100,000 CPL/$1,000 med

Dwelling age: 0-10 years Deductible: $500 all other perils / $1,000 wind hail

CREDITS: A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry.

CREDITS FOR HIGHER DEDUCTIBLE:

$1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit $2,500 - 20% credit

$3,000 - 25% credit

ADDITIONAL CHARGES: 26.00 FAMILY CYBER PROTECTION (mandatory—see page 8)

20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the

cause of loss. $4,000 limitation. $500 deductible.

35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required. 25.00 REPLACEMENT COST CONTENTS

5.60 per $1,000 SEWER BACKUP 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of

artificially generated electrical currents, mechanical breakdown, and losses from

pressure equipment. 20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be

25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be written in the Farmowner program.

DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10

80,000 781.98 883.78 919.05 1,221.09 1,412.91

90,000 827.90 935.66 973.00 1,292.77 1,495.83

100,000 873.81 987.55 1,026.96 1,364.44 1,578.76

110,000 931.71 1,052.97 1,094.99 1,454.82 1,683.32

120,000 989.61 1,118.40 1,163.03 1,545.19 1,787.88

130,000 1,047.50 1,183.83 1,231.06 1,635.56 1,892.44

140,000 1,105.40 1,249.25 1,299.09 1,725.94 1,997.00

150,000 1,163.30 1,314.68 1,367.13 1,816.31 2,101.57

175,000 1,344.77 1,519.74 1,580.37 2,099.58 2,429.31

200,000 1,526.24 1,724.81 1,793.62 2,382.85 2,757.06

225,000 1,696.77 1,917.53 1,994.01 2,649.06 ---

250,000 1,867.30 2,110.24 2,194.41 2,915.27 ---

275,000 2,037.85 2,302.96 --- --- ---

300,000 2,208.39 2,495.68 --- --- ---

325,000 2,378.92 2,688.40 --- --- ---

350,000 2,549.45 2,881.12 --- --- ---



100%-10%-50%-10% package $100,000 CPL/$1,000 med


CREDITS:

A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry. CREDITS FOR HIGHER DEDUCTIBLE:

$1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit

$2,500 - 20% credit $3,000 - 25% credit

ADDITIONAL CHARGES:

26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the

cause of loss. $4,000 limitation. $500 deductible. 35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required. 25.00 REPLACEMENT COST CONTENTS


artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.

20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be



80,000 717.20 809.71 841.18 1,116.31 1,289.90

90,000 759.31 857.25 890.58 1,181.84 1,365.61

100,000 801.42 904.78 939.97 1,247.36 1,441.32

110,000 854.52 964.73 1,002.24 1,329.98 1,536.78

120,000 907.63 1,024.67 1,064.51 1,412.61 1,632.25

130,000 960.73 1,084.62 1,126.78 1,495.23 1,727.71

140,000 1,013.83 1,144.56 1,189.05 1,577.86 1,823.17

150,000 1,066.93 1,204.50 1,251.33 1,660.48 1,918.63

175,000 1,233.38 1,392.40 1,446.52 1,919.46 2,217.86

200,000 1,399.83 1,580.30 1,641.72 2,178.43 2,517.08

225,000 1,556.26 1,756.88 1,825.15 2,421.81 ---

250,000 1,712.68 1,933.46 2,008.59 2,665.18 ---

275,000 1,869.10 2,110.03 --- --- ---

300,000 2,025.53 2,286.61 --- --- ---

325,000 2,181.95 2,463.19 --- --- ---

350,000 2,338.37 2,639.77 --- --- ---



100%-10%-50%-10% package $100,000 CPL/$1,000 med

Dwelling age: 11 years and older Deductible: $500 all other perils / $1,000 wind hail

CREDITS:



$2,500 - 20% credit $3,000 - 25% credit

ADDITIONAL CHARGES:








80,000 915.44 1,061.81 1,205.76 1,605.97 1,751.10

90,000 969.18 1,124.14 1,276.53 1,700.22 1,853.87

100,000 1,022.92 1,186.46 1,347.30 1,794.47 1,956.64

110,000 1,090.69 1,265.05 1,436.54 1,913.31 2,086.22

120,000 1,158.46 1,343.64 1,525.78 2,032.15 2,215.80

130,000 1,226.22 1,422.24 1,615.02 2,150.99 2,345.38

140,000 1,293.99 1,500.83 1,704.27 2,269.83 2,474.96

150,000 1,361.76 1,579.42 1,793.51 2,388.68 2,604.53

175,000 1,574.16 1,825.77 2,073.22 2,761.18 3,010.69

200,000 1,786.56 2,072.11 2,352.94 3,133.69 3,416.84

225,000 1,986.18 2,303.61 2,615.80 3,483.76 ---

250,000 2,185.80 2,535.11 2,878.66 3,833.82 ---

275,000 2,385.41 2,766.61 --- --- ---

300,000 2,585.02 2,998.12 --- --- ---

325,000 2,784.63 3,229.63 --- --- ---

350,000 2,984.23 3,461.14 --- --- ---



100%-10%-50%-10% package $100,000 CPL/$1,000 med

Dwelling age: 11 years and older Deductible: $500 all other perils / $1,000 wind hail

CREDITS:

A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry.

CREDITS FOR HIGHER DEDUCTIBLE: $1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit

$2,500 - 20% credit $3,000 - 25% credit

ADDITIONAL CHARGES:


cause of loss. $4,000 limitation. $500 deductible. 35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required.

25.00 REPLACEMENT COST CONTENTS 5.60 per $1,000 SEWER BACKUP 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of





80,000 839.12 972.20 1,103.05 1,467.51 1,598.20

90,000 888.38 1,029.26 1,167.79 1,553.65 1,691.99

100,000 937.64 1,086.33 1,232.53 1,639.78 1,785.78

110,000 999.76 1,158.30 1,314.17 1,748.39 1,904.04

120,000 1,061.88 1,230.26 1,395.82 1,856.99 2,022.31

130,000 1,124.00 1,302.23 1,477.46 1,965.59 2,140.57

140,000 1,186.12 1,374.19 1,559.10 2,074.20 2,258.84

150,000 1,248.24 1,446.16 1,640.74 2,182.80 2,377.10

175,000 1,442.96 1,671.71 1,896.65 2,523.20 2,747.81

200,000 1,637.68 1,897.27 2,152.56 2,863.60 3,118.51

225,000 1,820.66 2,109.26 2,393.04 3,183.50 ---

250,000 2,003.64 2,321.24 2,633.52 3,503.40 ---

275,000 2,186.63 2,533.22 --- --- ---

300,000 2,369.61 2,745.19 --- --- ---

325,000 2,552.59 2,957.17 --- --- ---

350,000 2,735.58 3,169.15 --- --- ---



100%-10%-50%-10% package $100,000 CPL/$1,000 med


CREDITS: A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry.

CREDITS FOR HIGHER DEDUCTIBLE: $1,000 all other perils / $2,000 wind hail - 10% credit


ADDITIONAL CHARGES:

26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8)

50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the cause of loss. $4,000 limitation. $500 deductible.

35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required.

25.00 minimum REPLACEMENT COST CONTENTS 10% of package premium. 5.60 per $1,000 SEWER BACKUP

25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.

20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be 25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be

written in the Farmowner program.


50,000 957.36 1,005.75 1,056.08 1,233.44 1,274.80

55,000 977.32 1,026.32 1,077.67 1,265.31 1,350.46

60,000 997.28 1,046.88 1,099.26 1,297.18 1,426.13

65,000 1,017.24 1,067.45 1,120.85 1,329.05 1,501.79

70,000 1,037.20 1,088.02 1,142.45 1,360.91 1,577.45

80,000 1,185.51 1,243.55 1,305.84 1,555.43 1,802.86

110,000 1,630.44 1,710.16 1,796.01 2,138.99 2,479.09

150,000 2,223.67 2,332.30 2,449.57 2,917.08 3,380.73

PER $1,000 OVER 14.83 15.55 16.34 19.44 22.54



100%-10%-50%-10% package $100,000 CPL/$1,000 med


CREDITS:



$2,500 - 20% credit $3,000 - 25% credit

ADDITIONAL CHARGES:



25.00 minimum REPLACEMENT COST CONTENTS 10% of package premium. 5.60 per $1,000 SEWER BACKUP 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of





50,000 870.26 912.83 961.22 1,122.43 1,167.05

55,000 888.41 931.68 980.67 1,151.34 1,235.04

60,000 906.55 950.53 1,000.13 1,180.25 1,303.03

65,000 924.70 969.37 1,019.58 1,209.16 1,371.01

70,000 942.85 988.22 1,039.03 1,238.07 1,439.00

80,000 1,077.65 1,129.45 1,187.49 1,415.04 1,644.62

110,000 1,482.04 1,553.17 1,632.89 1,945.97 2,261.48

150,000 2,021.23 2,118.12 2,226.75 2,653.85 3,083.97

PER $1,000 OVER 13.47 14.13 14.84 17.71 20.56


HOMEOWNER CLASSIC TERRITORY 1

100%-10%-50%-10% package $100,000 CPL/$1,000 med


CREDITS:



$2,500 - 20% credit $3,000 - 25% credit

ADDITIONAL CHARGES:



25.00 REPLACEMENT COST CONTENTS 5.60 per $1,000 SEWER BACKUP 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of




DWELLING CLASS 1-4 CLASS 5-6 SPECIAL NOTES

80,000 957.77 1,115.24

Insurable value must be written at replacement.

Coverage is Modified Special Form with the Repair Cost Endorsement.

Only available in Class 6 or better.

90,000 997.72 1,158.08

100,000 1,037.66 1,200.92

110,000 1,115.77 1,288.60

120,000 1,193.88 1,376.28

130,000 1,271.98 1,463.96

140,000 1,350.09 1,551.63

PER $1,000 OVER 9.65 11.09


HOMEOWNER CLASSIC TERRITORY 2

100%-10%-50%-10% package $100,000 CPL/$1,000 med


CREDITS:



$2,500 - 20% credit $3,000 - 25% credit


20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the






DWELLING CLASS 1-4 CLASS 5-6 SPECIAL NOTES

80,000 878.93 1,022.06

Insurable value must be written at replacement

Coverage is Modified Special Form with the Repair Cost Endorsement.

Only available in Class 6 or better.

90,000 914.68 1,060.45

100,000 950.43 1,098.84

110,000 1,021.30 1,178.41

120,000 1,092.17 1,257.98

130,000 1,163.04 1,337.56

140,000 1,233.91 1,417.13

PER $1,000 OVER 8.83 10.15


HOMEOWNER PREFERRED FORM 5 TERRITORY 1

100%-10%-50%-10% package $100,000 CPL/$1,000 med


Class 10 – Not Eligible for Form 5

CREDITS:

3% Masonry credit. Dwelling must be 66% masonry veneer or solid masonry. $1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit

$2,500 - 20% credit $3,000 - 25% credit

ADDITIONAL CHARGES:


Included REPLACEMENT COST CONTENTS Included SEWER BACKUP ($5,000) 5.60 per $1,000 SEWER BACKUP

35.00 WOOD HEAT Fireplace or insert only. No other wood heating system allowed (outside units heating water for dwelling heat acceptable). Interior photo required.

50.00 SUBMERSIBLE PUMP WARRANTY: $4,000 limitation. $500 deductible. (Covers the pump whatever the cause of loss.)

25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.



DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9

120,000 1,006.37 1,137.36 1,182.74 1,571.39

140,000 1,128.34 1,275.19 1,326.06 1,761.77

160,000 1,260.17 1,424.15 1,480.99 1,967.55

180,000 1,412.63 1,596.45 1,660.14 2,205.54

200,000 1,565.09 1,768.75 1,839.28 2,443.53

225,000 1,739.97 1,966.36 2,044.78 2,716.51

250,000 1,914.85 2,163.98 2,250.28 2,989.50

275,000 2,089.73 2,361.60 --- ---

300,000 2,264.61 2,559.23 --- ---

325,000 2,439.49 2,756.84 --- ---

350,000 2,614.37 2,954.46 --- ---



100%-10%-50%-10% package $100,000 CPL/$1,000 med



CREDITS:

3% Masonry credit. Dwelling must be 66% masonry veneer or solid masonry. $1,000 all other perils / $2,000 wind hail - 10% credit


ADDITIONAL CHARGES:


Included REPLACEMENT COST CONTENTS Included SEWER BACKUP ($5,000) 5.60 per $1,000 SEWER BACKUP

35.00 WOOD HEAT Fireplace or insert only. No other wood heating system allowed (outside units heating water for dwelling heat acceptable). Interior photo

required. 50.00 SUBMERSIBLE PUMP WARRANTY: $4,000 limitation. $500 deductible.

(Covers the pump whatever the cause of loss.)

25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of artificially generated electrical currents, mechanical breakdown, and losses from

pressure equipment. 20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be 25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be



120,000 923.01 1,042.05 1,082.56 1,436.55

140,000 1,034.90 1,168.33 1,213.74 1,610.61

160,000 1,155.81 1,304.84 1,355.56 1,798.74

180,000 1,295.65 1,462.70 1,519.54 2,016.32

200,000 1,435.49 1,620.55 1,683.52 2,233.90

225,000 1,595.90 1,801.61 1,871.63 2,483.47

250,000 1,756.30 1,982.67 2,059.74 2,733.04

275,000 1,916.70 2,163.74 --- ---

300,000 2,077.10 2,344.82 --- ---

325,000 2,237.49 2,525.89 --- ---

350,000 2,397.89 2,706.96 --- ---



100%-10%-50%-10% package $100,000 CPL/$1,000 med

Dwelling age: 11 years and over Deductible: $500 all other perils / $1,000 wind hail


CREDITS: 3% Masonry credit. Dwelling must be 66% masonry veneer or solid masonry. $1,000 all other perils / $2,000 wind hail - 10% credit

$2,000 - 17% credit $2,500 - 20% credit

$3,000 - 25% credit ADDITIONAL CHARGES:


Included REPLACEMENT COST CONTENTS Included SEWER BACKUP ($5,000)

5.60 per $1,000 SEWER BACKUP 35.00 WOOD HEAT Fireplace or insert only. No other wood heating system allowed

(outside units heating water for dwelling heat acceptable). Interior photo

required. 50.00 SUBMERSIBLE PUMP WARRANTY: $4,000 limitation. $500 deductible.

(Covers the pump whatever the cause of loss.) 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of

artificially generated electrical currents, mechanical breakdown, and losses from

pressure equipment. 20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be 25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be



120,000 1,178.09 1,366.43 1,551.63 2,066.60

140,000 1,320.85 1,532.00 1,739.64 2,316.95

160,000 1,475.17 1,710.95 1,942.85 2,587.57

180,000 1,653.61 1,917.91 2,177.84 2,900.52

200,000 1,832.05 2,124.87 2,412.84 3,213.48

225,000 2,036.75 2,362.26 2,682.40 3,572.45

250,000 2,241.44 2,599.66 2,951.96 3,931.43

275,000 2,446.15 2,837.05 --- ---

300,000 2,650.85 3,074.40 --- ---

325,000 2,855.54 3,311.86 --- ---

350,000 3,060.22 3,549.27 --- ---



100%-10%-50%-10% package $100,000 CPL/$1,000 med

Dwelling age: 11 years and over Deductible: $500 all other perils / $1,000 wind hail


CREDITS: 3% Masonry credit. Dwelling must be 66% masonry veneer or solid masonry.


$2,500 - 20% credit $3,000 - 25% credit


20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) Included REPLACEMENT COST CONTENTS

Included SEWER BACKUP ($5,000) 5.60 per $1,000 SEWER BACKUP 35.00 WOOD HEAT Fireplace or insert only. No other wood heating system allowed

(outside units heating water for dwelling heat acceptable). Interior photo required.

50.00 SUBMERSIBLE PUMP WARRANTY: $4,000 limitation. $500 deductible. (Covers the pump whatever the cause of loss.)

25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of





120,000 1,079.90 1,251.12 1,419.48 1,888.46

140,000 1,210.75 1,402.72 1,591.47 2,117.26

160,000 1,352.20 1,566.59 1,777.38 2,364.54

180,000 1,515.79 1,756.09 1,992.37 2,650.53

200,000 1,679.38 1,945.59 2,207.37 2,936.52

225,000 1,867.02 2,162.96 2,453.98 3,264.56

250,000 2,054.65 2,380.34 2,700.58 3,592.60

275,000 2,242.30 2,597.71 --- ---

300,000 2,429.94 2,815.09 --- ---

325,000 2,617.59 3,032.46 --- ---

350,000 2,805.23 3,249.84 --- ---


HOMEOWNER FORM 6 CONDO TERRITORY 1

15% COV. A (Condo Unit) and 20% COV. D (Additional Living Costs) $100,000 CPL/$1000 med

Dwelling age: 1960 or newer Deductible: $500 all other perils / $1,000 wind hail

CREDITS FOR HIGHER DEDUCTIBLES:


$2,500 - 20% credit $3,000 - 25% credit


35.00 WOOD HEAT CHARGE Interior photo required. 40.00 REPLACEMENT COST CONTENTS

10.00 per $1,000 ASSOCIATION DEDUCTIBLE COVERAGE ($1500 INCLUDED) 2.00 per $1,000 ASSOCIATION LOSS ASSESSMENT ($1500 INCLUDED) 5.60 per $1,000 SEWER BACKUP

CONTENTS CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10

30,000 209.55 240.04 278.16 335.33 417.91

40,000 271.81 316.27 367.09 443.32 557.67

50,000 328.98 386.15 443.32 532.26 665.66

60,000 373.45 430.62 494.14 595.78 748.24

70,000 417.91 481.44 557.67 672.01 843.53

80,000 462.38 532.26 614.84 741.89 926.11

90,000 513.20 589.43 678.37 818.12 1,021.40

100,000 551.32 640.25 735.54 881.65 1,097.63

Per 1,000 5.08 6.35 7.11 7.62 8.13

Increased Cov A Per 1,000

4.57 5.28 6.04 7.24 9.09

(Related Private Structures are included in Coverage A. Increase Coverage A accordingly for Related Private Structures owned by the insured.)

Increased Cov D

Per 1,000 4.00 4.00 4.00 4.00 4.00




Dwelling age: 1960 or newer Deductible: $500 all other perils / $1,000 wind hail



$2,500 - 20% credit $3,000 - 25% credit


35.00 WOOD HEAT CHARGE Interior photo required. 40.00 REPLACEMENT COST CONTENTS

10.00 per $1,000 ASSOCIATION DEDUCTIBLE COVERAGE ($1500 INCLUDED) 2.00 per $1,000 ASSOCIATION LOSS ASSESSMENT ($1500 INCLUDED) 5.60 per $1,000 SEWER BACKUP


30,000 190.96 218.68 253.33 305.30 380.38

40,000 247.55 287.98 334.18 403.48 507.43

50,000 299.53 351.50 403.48 484.33 605.60

60,000 339.95 391.93 449.68 542.08 680.68

70,000 380.38 438.13 507.43 611.38 767.30

80,000 420.80 484.33 559.40 674.90 842.38

90,000 467.00 536.30 617.15 744.20 929.00

100,000 501.65 582.50 669.13 801.95 998.30

Per 1,000 4.62 5.78 6.46 6.93 7.39


4.16 4.79 5.49 6.58 8.26

(Related Private Structures are included in Coverage A. Increase Coverage A accordingly for Related

Private Structures owned by the insured.)

Increased Cov D

Per 1,000 4.00 4.00 4.00 4.00 4.00




Dwelling age: Pre-1960 Deductible: $500 all other perils / $1,000 wind hail


$1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit $2,500 - 20% credit

$3,000 - 25% credit


35.00 WOOD HEAT CHARGE Interior photo required. 40.00 REPLACEMENT COST CONTENTS 10.00 per $1,000 ASSOCIATION DEDUCTIBLE COVERAGE ($1500 INCLUDED)

2.00 per $1,000 ASSOCIATION LOSS ASSESSMENT ($1500 INCLUDED) 5.60 per $1,000 SEWER BACKUP


30,000 250.46 287.05 332.79 401.40 500.50

40,000 325.17 378.53 439.51 530.99 668.20

50,000 393.77 462.38 530.99 637.71 797.79

60,000 447.13 515.74 591.97 713.94 896.89

70,000 500.50 576.73 668.20 805.42 1,011.24

80,000 553.86 637.71 736.81 889.27 1,110.34

90,000 614.84 706.32 813.04 980.74 1,224.68

100,000 660.58 767.30 881.65 1,056.97 1,316.16

Per 1,000 6.10 7.62 8.54 9.15 9.76


5.49 6.33 7.24 8.69 10.90

(Related Private Structures are included in Coverage A. Increase Coverage A accordingly for Related Private Structures owned by the insured.)

Increased Cov D Per 1,000

4.00 4.00 4.00 4.00 4.00




Dwelling age: Pre-1960 Deductible: $500 all other perils / $1,000 wind hail

CREDITS FOR HIGHER DEDUCTIBLES: $1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit

$2,500 - 20% credit $3,000 - 25% credit

ADDITIONAL CHARGES:

26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 35.00 WOOD HEAT CHARGE Interior photo required. 40.00 REPLACEMENT COST CONTENTS

10.00 per $1,000 ASSOCIATION DEDUCTIBLE COVERAGE ($1500 INCLUDED) 2.00 per $1,000 ASSOCIATION LOSS ASSESSMENT ($1500 INCLUDED)

5.60 per $1,000 SEWER BACKUP


30,000 228.15 261.41 302.99 365.36 455.45

40,000 296.06 344.57 400.01 483.17 607.91

50,000 358.43 420.80 483.17 580.19 725.72

60,000 406.94 469.31 538.61 649.49 815.81

70,000 455.45 524.75 607.91 732.65 919.76

80,000 503.96 580.19 670.28 808.88 1,009.85

90,000 559.40 642.56 739.58 892.04 1,113.80

100,000 600.98 698.00 801.95 961.34 1,196.96

Per 1,000 5.54 6.93 7.76 8.32 8.87

Increased Cov A

Per 1,000 4.99 5.75 6.58 7.90 9.91

(Related Private Structures are included in Coverage A. Increase Coverage A accordingly for Related

Private Structures owned by the insured.)

Increased Cov D

Per 1,000 4.00 4.00 4.00 4.00 4.00


COMPREHENSIVE PERSONAL LIABILITY COVERAGES Less than 50 acres – no farming

Limits: 000 omitted; includes $1,000 med

COVERAGE

DESCRIPTION $100 $300 $500 $1,000

INCREASED MED

PAYMENTS

$2,000 $5,000

DESCRIBED RESIDENCE PREMISES

1 FAMILY

2 FAMILY

3 FAMILY

4 FAMILY

Incl.

11

22

36

13

26

40

56

19

31

45

61

66

69

83

99

6

6

6

6

24

24

24

24

INCIDENTAL FARMING ENDORSEMENT

Farming exposure must be incidental

to the premises, any full time or extensive farming operation must be written in the Farmowner program.

20 25 30 40 - -

ADD'L INSURED, RESIDENT 5 7 7 9 2 8

ADD'L INSURED, NON-RESIDENT 5 7 7 9 2 8

RENTED TO OTHERS:

1 FAMILY

2 FAMILY

Write in Rental or Seasonal Program

with property coverage.

BUSINESS ACTIVITIES:

TEACHERS – ATHLETIC, LAB, MANUAL TRAINING, PHYSICAL ED.

15 20 24 28 2 8

TEACHERS – NOT OTHERWISE CLASSIFIED

6 10 15 20 2 8

CORPORAL PUNISHMENT ** 8 12 15 20 NOT APPLICABLE

** DOES NOT INCLUDE MEDICAL PAYMENTS


OPTIONAL SECTION II - LIABILITY COVERAGES Limits: 000 omitted; includes $1,000 med

COVERAGE DESCRIPTION $100 $300 $500 $1,000

INCREASED MEDICAL

$2,000 $5,000

CHILD CARE: NO DOGS ALLOWED.

THE HOMEOWNER POLICY CANNOT BE WRITTEN IF THERE IS CHILD CARE

AND A DOG ON PREMISES. LIMITATION: 5 CHILDREN INCLUDING THE INSURED’S CHILDREN.

55 83 111 139 8 32

THIS CHARGE APPLIES FOR EACH SUCH EXPOSURE:

RECREATIONAL MOTOR VEHICLE

(INCLUDES GOLF CARTS), SNOWMOBILE - NOT DESIGNED FOR PUBLIC ROAD USE. CHARGE PER VEHICLE.

75 101 113 147 8 32

OUTBOARD MOTORS & WATERCRAFT: EACH OUTBOARD MOTOR

25-50 HP 10 12 13 20 4 16

OVER 50 HP 17 21 22 33 6 24

INBOARD OR INBOARD/OUTBOARD MOTORBOATS & SAILBOATS

UNDER 16 MPH

LESS THAN 26 FEET 20 26 28 39 4 16

26 TO 40 FEET 51 67 73 89 8 32

OVER 40 FEET 99 129 143 178 16 64

16-30 MPH

LESS THAN 26 FEET 40 52 58 72 6 24

26 TO 40 FEET 80 103 117 144 12 48

OVER 40 FEET 149 193 214 266 24 96

OVER 30 MPH

LESS THAN 26 FEET 99 129 143 178 16 64

26 TO 40 FEET 149 193 214 266 24 96

OUTBOARD MOTORS UNDER 25 HP - INCREASE IN BASE RATE

PERS. INJURY PROTECTION 9 12 14 20 -- --

SECTION PAGE RULES · claims to evaluate acceptability. NO-PAY CLAIMS: Generally no-pay claims are...

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