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TABLE OF CONTENTS

HOMEOWNERS POLICY GENERAL RULES

ELIGIBILITY (FORM HO 00 01, HO 00 02, HO 00 03) ..................................................................................... 1 ADDITIONAL INSUREDS .................................................................................................................................. 1 ELIGIBILITY (FORM HO 00 04) ........................................................................................................................ 1 ELIGIBILITY (FORM HO 00 06) ........................................................................................................................ 1 FINANCIAL HISTORY MEASUREMENT PROGRAM (INSURANCE FINANCIAL HISTORY) MEASUREMENT PROGRAM (INSURANCE SCORING) ................................................................................ 2 MINIMUM PREMIUM ......................................................................................................................................... 4 TIER DEVIATIONS ............................................................................................................................................. 4 RESTRICTION OF INDIVIDUAL POLICIES .................................................................................................... 4 NON-SMOKER DISCOUNT ................................................................................................................................ 4 COASTAL ZONE ................................................................................................................................................. 4 COASTAL SURCHARGE .................................................................................................................................... 4 ACCOUNT CREDIT ............................................................................................................................................. 5 LOSS FREE CREDIT ........................................................................................................................................... 5 NEW BUSINESS EARLY ISSUE CREDIT ......................................................................................................... 5 GROUP CREDIT .................................................................................................................................................. 6 EFT CREDIT ......................................................................................................................................................... 6 DEDUCTIBLES .................................................................................................................................................... 7 SPECIAL STATE REQUIREMENTS .................................................................................................................. 7 PATRONS OXFORD'S ENDORSEMENTS ........................................................................................................ 8

SUPERIOR PLUS ENDORSEMENT ............................................................................................................... 8 PREFERRED PLUS ENDORSEMENT............................................................................................................ 9 STANDARD PLUS ENDORSEMENT ............................................................................................................ 9 ADDITIONAL COVERAGE ENDORSEMENT ............................................................................................. 9 THEFT OF BUILDING MATERIALS ........................................................................................................... 10 SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A - DWELLING ................ 10 BROAD PAIR & SET COVERAGE ............................................................................................................... 10 HOME BUSINESS .......................................................................................................................................... 10 IDENTITY FRAUD EXPENSE COVERAGE ............................................................................................... 11

MOTORIZED GROUND MAINTENANCE VEHICLES............................................................................... 12 ISO ENDORSEMENTS ...................................................................................................................................... 13

LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE ..................................................... 13 SPECIAL LOSS SETTLEMENT .................................................................................................................... 13 LOSS SETTLEMENT OPTIONS ................................................................................................................... 14 ORDINANCE OR LAW COVERAGE ........................................................................................................... 15 SPECIAL PERSONAL PROPERTY COVERAGE ........................................................................................ 16 PERSONAL PROPERTY (COV C) REPLACEMENT COST COV ............................................................. 16 PROTECTIVE DEVICES ............................................................................................................................... 16 INFLATION GUARD ..................................................................................................................................... 17 BUILDING ADDITIONS AND ALTERATIONS

AT OTHER RESIDENCES ......................................................................................................................... 17 INCREASED LIMIT - HO 00 04 ................................................................................................................ 17

WATER BACKUP AND SUMP OVERFLOW .............................................................................................. 17 BUSINESS PROPERTY - INCREASED LIMITS ......................................................................................... 18 CREDIT CARD ............................................................................................................................................... 18 EARTHQUAKE COVERAGE........................................................................................................................ 19 FORM HO 00 06 COVERAGE A ................................................................................................................... 20 PERMITTED INCIDENTAL OCCUPANCIES ............................................................................................. 20 LOSS ASSESSMENT COVERAGE ............................................................................................................... 21 LOSS OF USE - INCREASED LIMITS ......................................................................................................... 21

OTHER STRUCTURES .................................................................................................................................. 22 INCREASED LIMITS ................................................................................................................................. 22 RENTED TO OTHERS - RESIDENCE PREMISES .................................................................................. 22 OFF PREMISES STRUCTURES ................................................................................................................ 23

PERSONAL PROPERTY INCREASED LIMIT ................................................................................................................................... 24 INCREASED LIMIT - OTHER RESIDENCES ......................................................................................... 24 REDUCTION IN LIMIT ............................................................................................................................. 24 INCREASED SPECIAL LIMIT OF LIABILITY ....................................................................................... 24 REFRIGERATED PERSONAL PROPERTY ............................................................................................. 24 PERSONAL PROPERTY - SCHEDULED ............................................................................................ 25-26

RENTAL TO OTHERS - THEFT COVERAGE ............................................................................................. 27 SINKHOLE COLLAPSE COVERAGE .......................................................................................................... 27 SPECIAL COMPUTER COVERAGE ............................................................................................................ 27

SECTION II COVERAGES ................................................................................................................................ 28 RESIDENCE PREMISES - BASIC AND INCREASED LIMITS ................................................................. 28 OTHER EXPOSURES - INCREASED LIMITS ............................................................................................ 28 OTHER EXPOSURES - MEDICAL PAYMENTS TO OTHERS-INCREASED LIMITS ............................ 29 OTHER INSURED LOCATION OCCUPIED BY INSURED ....................................................................... 30 RESIDENCE EMPLOYEES ........................................................................................................................... 30 ADDITIONAL RESIDENCE RENTED TO OTHERS .................................................................................. 30 PERMITTED INCIDENTAL OCCUPANCIES ............................................................................................. 31 BUSINESS PURSUITS ................................................................................................................................... 31 INCIDENTAL MOTORIZED LAND CONVEYANCES .............................................................................. 31 OUTBOARD MOTORS AND WATERCRAFT ............................................................................................ 32 OWNED SNOWMOBILE ............................................................................................................................... 32 INCIDENTAL FARMING PERSONAL LIABILTY ..................................................................................... 33 SECONDARY RESIDENCE PREMISES ...................................................................................................... 33 PERSONAL INJURY ...................................................................................................................................... 33

MOBILE HOME GENERAL RULES ................................................................................................................ 34 BASE PREMIUMS ......................................................................................................................................... 34 TRANSPORTATION/PERMISSION TO MOVE .......................................................................................... 34 LIENHOLDERS SINGLE INTEREST ........................................................................................................... 34 PROPERTY REMOVED ................................................................................................................................ 34 ORDINANCE OR LAW COVERAGE ........................................................................................................... 35 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE ..................................................... 35 IDENTITY FRAUD EXPENSE COVERAGE ............................................................................................... 36

MOTORIZED GROUND MAINTENANCE VEHICLES............................................................................. 36 RATING TIPS ..................................................................................................................................................... 37RATING WORKSHEET ...................................................................................................................................... 38

Includes copyrighted material of Insurance Services Office, Inc., with its permission.

Rev. 08/15 Copyright, Insurance Services Office, Inc., 1996, 2003

HOMEOWNER POLICY GENERAL RULES

ELIGIBILITY (FORM HO 00 01, HO 00 02, HO 00 03) (subject to Risk Selection Assistance)

Owner-occupants of a dwelling. Purchaser-occupant(s) of a dwelling with a long term written contract. Occupant of dwelling under a life estate arrangement. Dwelling in course of construction for the intended owner-occupant(s). Used for private residential purposes only (except for certain permitted business occupancies). Not occupied by more than one additional family. Not more than two boarders or roomers per family. Seasonal dwelling. Secondary dwelling. Mobilehomes. Jointly owned 2 family owner-occupied dwelling, each owner occupying distinct living quarters with separate

entrances. A homeowner policy providing building coverage may be issued to only one of the co-owner occupants of the dwelling. Name the other owner on the HO 04 41 Additional Insured Endorsement to provide building and premises liability coverage for their interest. A separate HO 00 04 may be issued to the co-owner occupying the other apartment in the dwelling to cover their contents and comprehensive personal liability .

ADDITIONAL INSUREDS

Extends the Homeowner’s Policy, without an additional premium charge, to cover the interest of a non-occupant

joint owner in the building and for premises liability. Full name and address as well as interest in the property must be provided.

Use HO 04 41 - Additional Insured Residence Premises

ELIGIBILITY (FORM HO 00 04) Tenant(s) (non-owner) of a dwelling or apartment. Used for residential purposes only. Not occupied by more than one additional family. Not more than two boarders or roomers.

ELIGIBILITY (FORM HO 00 06) Owner(s) of a condominium or cooperative unit. Used for residential purposes only. Not occupied by more than one additional family. Not more than two boarders or roomers. Not tenant occupied.


Rev. 02/03 Copyright, Insurance Services Office, Inc., 1996 1

https://www.qmfi.com/pdf_forms/Maine Agency Guide.pdf

FINANCIAL HISTORY MEASUREMENT PROGRAM (INSURANCE SCORING):

The Financial History Measurement Program is a Credit Based Insurance Score Program. This program will be used to underwrite and rate all new business homeowner submissions and existing homeowner renewals. The use of a credit or debit factor is another piece of the rating methodology that we use to determine a rate for a new or renewal homeowner policy. This CBIS factor is used in conjunction with other rating factors such as the distance to a fire hydrant or the existence of a fire protection system. An application for a new homeowner policy will not be declined, nor will an existing policy be cancelled or non-renewed, solely due to an adverse credit based score or absence of an insurance score.

We will use a model that groups the insurance score into increments of 25 points. There is a category for submissions where the insurance credit report indicates “No Score”. This category will not be affected by any rating insurance score factor (i.e. 1.00). Patrons will use the actual factors for all the score ranges. If there are two named insureds, the highest insurance score will be used for rating purposes when the difference between the two scores is

50 or less. We will use the lower score if the difference between the scores is greater than 50. If one of the two scores is a "No Hit" or a "No Score", we will use the score factor from the score that produces the higher rate. All paper application submissions require this report be attached.

New Business

The Credit Based Insurance Score Program will require that an insurance score report be run at the point of sale.

Patrons Online system will automatically order the insurance score for homeowner quotes and new business.

If a quote is converted to a new business policy, Patrons On-line bridges the input information, including the insurance score.

If a paper application is submitted for an on-line quote, the quote number should be indicated on the application.

When using Silver Plume, you will have authorization to run the insurance score report directly through ChoicePoint with Patrons assuming the cost. Also, the score can be ordered directly through ChoicePoint. The insurance score report will be returned to you as a 3 byte encryption (example: PHA).

A Credit Based Insurance Scoring notice must be given to the insured at the time of the application. This same notice will also be attached to all new business policies. The notice will advise the insured that their credit information will be accessed for underwriting purposes and explains the definition of an insurance score versus a credit score. It also advises the insured where they can request a copy of their Credit Report.

To advise the insured of their rights, the notice “Your Rights Under the Fair Credit Report Act and/or State Regulations” will be attached to every new policy.

A “Notice of Adverse Action” will be attached to any new business policy with an insurance score less than 625.

Rev 06/15/17 Financial History Measurement Program 2

Renewals Effective 06/15/17

W e will order an insurance score for each named insured(s) on every existing renewal. This insurance score will apply to three policy renewal terms. Example: 6/15/17-18, 6/15/18-19, 6/15/19-20.

If there is more than one score for the policy, the highest score will be used when the difference between the

two scores is 50 or less. We will use the lower score if the difference between the scores is greater than 50. If one of the two scores is a "No Hit" or a "No Score", we will use the score factor from the score that produces the higher rate.

If we are unable to receive a credit insurance scoring report because of inaccurate information, a letter will be sent to the insured requesting 1) verification of the information currently on file and 2) their Social Security number. If the information is not received prior to the renewal processing, the policy will renew using the scorefactor that produces the higher rate.

W hen the insurance score report used for rating is 625 or higher, the renewal policy will be processed based on the score with the appropriate credit rating factor. The Credit Insurance Scoring notice and the Your Rights Under the Fair Credit Report Act and/or State Regulations notice will be attached.

If the insurance score report used for rating is 624 or lower, the renewal policy will be subject to a debit rating factor. On the first renewal, “Your Rights Under the Fair Credit Reporting Act/Notice of Adverse Action” will be attached to the policy. Renewal year two and three will have only the “Your Rights Under Fair Credit Reporting Act” attached.

On year four, the system will order a new insurance credit score. The appropriate forms will be attached based on the score. The renewal ordering for new insurance credit scores will follow this three year cycle.

Credit Based Insurance Score Rating Factors

The model’s rating factors range from .75 to 1.80. Insureds with a score of 800 and more will receive the best rate. The credit based insurance score factors shown below will be applied to the base premium.

Credit Based Insurance Score Factor Applied =>825 0.75 800-824 0.75 775-799 0.80 750-774 0.85 725-749 0.90 700-724 0.90 675-699 0.90 650-674 0.90 625-649 1.00 No Score 1.00

1.00 1.10

575-599 1.20 550-574 1.30 525-549 1.40 500-524 1.50 475-499 1.60 450-474 1.65425-449 1.65 400-424 1.65375-399 1.80 350-374 1.80 <350 1.80

Rev 06/15/17 Financial History Measurement Program 3

No Hit600-624

PO59

Underline

PO59

Typewritten Text

Programming is in place to retrieve renewal scores. When we have an indication from our vendor that the account is frozen and no score is returned, the score from the prior year will be used.

HOMEOWNER POLICY GENERAL RULES cont.

MINIMUM PREMIUM The minimum annual premium is $100.00

TIER DEVIATIONS Superior (SUP) .90 Preferred (PREF) 1.00 Standard (STD) 1.20

RESTRICTION OF INDIVIDUAL POLICIES If a policy would not be issued because of unusual circumstances or exposures, the named insured may request a

restriction of the policy provided no reduction in the premium is allowed. Such requests shall be referred to the company.

NON-SMOKER DISCOUNT 10% Credit applied to the base premium. All Homeowners forms and tiers. A signed PONS certificate or other (application) signed statement from insured is required.

COASTAL ZONE

A one to four family residential property located within two tenths of a mile (1056 feet) of the high tide water mark along the Maine Coast or on an inaccessessible coastal island is considered to be located in a defined “Coastal Zone” for underwriting, rating and the inclusion of the mandatory two percent Hurricane Deductible HO 03 65 07 15. The location will be determined by the use of various programs that use longitude and latitude of the residential property location to determine the distance to the high tide water mark. An inaccessible coastal island is any coastal island that cannot be reached by a motor vehicle and requires the use of a boat or an aircraft to reach it.

COASTAL SURCHARGE

A. Effective 06/15/17, a Coastal Surcharge will be applied on renewal risks located in the “Coastal Zone"with a distance from Maine high tide water mark as follows:

Territory Distance Surcharge30 and 31 (coastal) 0.00 – 0.20

Miles 20%

The surcharge will be applied to base premiums.

B. Applicable to forms H0 00 01, H0 00 02, H0 00 03, H0 00 04, and H0 00 06.


Rev 06/15/17 Copyright, Insurance Services Office, Inc., 1996 4


ACCOUNT CREDIT 10% account credit when two policies are in effect for the same insured.

Exceptions: a) Personal Umbrella Policies.

LOSS FREE CREDIT (no paid losses in excess of $750) Applies to all pricing tiers. $750. threshold applies to each individual claim number. Loss Free:

New & Renewal business 3 years loss free 15% 2 years loss free 10% 1 year loss free 5%

New business requires evidence of loss free with the prior carrier.

If the insured loses the credit because of a paid loss in excess of $750, the credit will be deleted on the renewal following the date the loss was paid. The policy will again start earning loss free credits on subsequent renewals if the risk remains loss free.

NEW BUSINESS EARLY ISSUE CREDIT (effective 11/1/13)

• Previous carrier cannot be Patrons Insurance • Prior policy must be in force for 12 months • Applies to all coverages on the policy • Credit is applied after all other credits have been applied • Policy must be issued at least 5 or more days prior to the policy effective date • Reduction in premium:

10% applies to initial new business Subsequent renewals will be reduced by 2% until 0 (I. E. first renewal will get an 8% credit, second

renewal, 6%, etc., until the credit is eliminated




GROUP CREDIT

• 5% group credit • The agency has entered into an agreement with the owner/management having 10 or more employees. • The agency has entered into an agreement with a managing officer of an affiliate group. An affiliate group is

defined as “an organization of 10 or more dues paying members controlled by a Board of Directors”. • A minimum enrollment is not required. • The agent must indicate on the application the qualifying group for the 5% credit to apply. • All lines of business are eligible for the 5% Group Credit. • Applies to all pricing tiers. • Applies to all coverages on the policy. • Patrons’ optional bill plans are available. When choosing the EFT option, the insured will take advantage of the

newly introduced 5% EFT Credit. This will result in a substantial savings to the insured. • Existing Patrons’ insureds would be eligible for the 5% Group Credit if the agent of record has entered into an

agreement with the insured’s employer. However, if the existing Patrons’ insured is with another agent, the current policy would have to be cancelled and rewritten with the new agent of record to receive the 5% Group Credit.

• If an insured terminates their employment, they will retain the 5% Group Credit as long as they remain with the same agent

• If an insured terminates their membership in the affiliate group, they will retain the 5% Group Credit as long as they remain with the same agent

EFT (ELECTRONIC FUNDS TRANSFER) CREDIT

• 5% EFT credit • Payment plan must be EFT (12-pay) • Applies to all coverages on the policy


Rev. 05/09 Copyright, Insurance Services Office, Inc., 1996, 2008 6

Amount Selected Deductible Factor $ 250 1.25 $ 500 1.00 $ 750 .80 $1,000 .70 $2,500 .65


DEDUCTIBLES

1. Hurricane Deductibles (All Forms Except HO 00 04 and HO 00 06) When the policy covers the peril of Windstorm or Hail, the following deductible options may be used in the listed territories in conjunction with the deductible applicable to All Other Section I Perils. They may not be used on a policy in conjunction with a Windstorm or Hail deductible.

Use Form HO 03 65 with all HO 00 01, HO 00 02, and HO 00 03 policies.

RULE A1. SPECIAL STATE REQUIREMENTS

Water Exclusion Endorsement Use Endorsement PO 16 09 with all HO 00 01, HO 00 02, HO 00 04, HO 00 06 policies. Use Endorsement PO 16 10 with all HO 00 03 and HO 00 03 with HO 00 15 policies





https://qol.qmfi.com/quincyonline/PDF_Forms/Maine Agency Questionnaires and Company Specific Forms.pdf




HOMEOWNER POLICY cont. PATRONS OXFORD’S ENDORSEMENTS

SUPERIOR PLUS ENDORSEMENT Under this package endorsement, we will provide the following coverages: Section I Highlights of Coverage: 1. Specified Additional Amount of Insurance For Coverage A - Dwelling 2. Personal Property Replacement Cost 3. Special Personal Property Coverage 4. Identity Fraud Expense 5. Building Law and Ordinance Coverage 6. Sinkhole Collapse Coverage 7. Water Backup and Sump Overflow Protection ($10,000 limit) 8. Lock Replacement Coverage 9. Police Department Service Charge Coverage 10. Increases in policy limitations:

a) Tree debris removal coverage limit of liability increased to $1000 b) Loss Assessment is increased to $2000 c) Credit Card Coverage limit is increased to $2500 d) The Special Limits of Liability for loss by theft of jewelry, watches, furs, precious and semi -precious

stones is increased to $2500; loss by theft of firearms is increased to $2,500; loss by theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware is increased to $4,000. This includes flatware, hollow-ware, tea sets, trays and trophies made of or including silver, gold or pewter.

11. Additional Coverages : a) Personal property limit of $10,000 for live-in care providers (i.e., Nurse, Maid, Nanny, etc.) b) Personal property limit of $5000 for an “insured” in a nursing home

Section II Highlights of Coverage: 1. Incidental Motorized Land Conveyances 2. Personal Injury Protection 3. Additional Coverages:

a) $300,000/$2,000 Coverage E and F (as stated in the endorsement, is not included in Cov E) b) Part time business pursuits of an Insured under age 18 c) Increased Claims Expenses to $75 per day d) Live-in care providers (i.e., Nurse, Maid, Nanny, etc.) e) Extends liability coverage for an “insured” in a nursing home f) Extends liability in certain situations to motorized Golf Carts

This endorsement must be purchased as written with no additions or deletions. The total additional premium: $70.00 (do not apply Tier deviation). See endorsement for full explanation of coverage.

Use endorsement PO H3 Superior Plus Endorsement




HOMEOWNER POLICY PATRONS OXFORD’S ENDORSEMENTS cont.

PREFERRED PLUS ENDORSEMENT Under this package endorsement, we will provide the following coverages: Section I Highlights of Coverage: 1. Personal Property Replacement Cost 2. Special Personal Property Coverage 3. Identity Fraud Expense 4. Building Law and Ordinance Coverage 5. Sinkhole Collapse Coverage 6. Water Backup and Sump Overflow Protection ($10,000 limit) 7. Lock Replacement Coverage 8. Police Department Service Charge Coverage 9. Increases in policy limitations:

a) Tree debris removal coverage limit of liability increased to $1000 b) Loss Assessment is increased to $2000 c) Credit Card Coverage limit is increased to $2500 d) The Special Limits of Liability for loss by theft of jewelry, watches, furs, precious and semi -precious

stones is increased to $2500; loss by theft of firearms is increased to $2,500; loss by theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware is increased to $4,000. This includes flatware, hollow-ware, tea sets, trays and trophies made of or including silver, gold or pewter

10. Additional Coverages : a) Personal property limit of $10,000 for live-in care providers (i.e., Nurse, Maid, Nanny, etc.) b) Personal property limit of $5000 for an “insured” in a nursing home

Section II Highlights of Coverage: 1. Incidental Motorized Land Conveyances 2. Personal Injury Protection 3. Additional Coverages:

a) $300,000/$2,000 Coverage E and F (as stated in the endorsement, is not included in Cov E) b) Part time business pursuits of an Insured under age 18 c) Increased Claims Expenses to $75 per day d) Live-in care providers (i.e., Nurse, Maid, Nanny, etc.) e) Extends liability coverage for an “insured” in a nursing home f) Extends liability in certain situations to motorized Golf Carts

This endorsement must be purchased as written with no additions or deletions. The total additional premium: $70.00 See endorsement for full explanation of coverage.

Use endorsement PO H2 Preferred Plus Endorsement.

STANDARD PLUS ENDORSEMENT Under this package endorsement, we will provide the same coverages as the Preferred Plus Endorsement. This endorsement is not available for new business – Company use only. The total additional premium: $70.00 (do not apply Tier deviation). See endorsement PO H1 Standard Plus Endorsement for full explanation of coverage. ADDITIONAL COVERAGE ENDORSEMENT Provides coverage for Personal Injury and Increased Credit Card Coverage. Premium for this endorsement is $11.00 (apply Tier deviation).

Use endorsement PO H4 Additional Coverage.







THEFT OF BUILDING MATERIALS Endorsement may be added at the inception date of the policy for theft of building materials if the property under construction will be completed within 270 days and is being constructed by a contractor. No premium charge. Coverage provided by this endorsement terminates: 270 days from inception of policy or

the dwelling is finished and occupied, whichever comes first. Automatically deleted upon renewal and it is not necessary to request deletion mid-term We insure up to $10,000 in the aggregate

Use endorsement PO H5 Deletion of Theft Exclusion Dwelling Under Construction

SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A - DWELLING No premium charge. Available in all tiers meeting eligibility requirements. Prior approval required on property constructed before 1945. Current Square Foot Costimator required with request for endorsement. 100% replacement cost - Coverage A - required.

Use endorsement PO H10 Specified Additional Amount of Insurance For Coverage A - Dwelling.

(Automatically included with POH3) BROAD PAIR & SET COVERAGE Automatic endorsement when Personal Jewelry is scheduled on the HO 04 61. No premium charge.

Use endorsement POH BPS Personal Jewelry Broad Pair and Set Coverage.

HOME BUSINESS Special Features: Allows insured to retain their homeowner policy. Insured’s business is their primary source of income. Premium based on premises traffic (see below). Available in Superior, Preferred, or Standard. Property must qualify for HO 00 03 coverage . See Risk Selection Homeowner Section for Eligible Business on pages 8, 9 and 10. Completed Home Business Questionnaire is required.


PC63

PO H5


PC63

PO H10





HOME BUSINESS (cont.) Section I Coverages: Full Coverage C limit of liability applies to business property on premises. Automatic $5,000 on business property, away from the residence premises. $1,000 for signs, including the cost of removal and replacement. If business is in an Other Structure, Coverage B does not apply to that structure. For specific insurance on that

structure, charge $5 per $1,000. Section II Coverages: Excludes Professional Liability, Products Liability or Products and/or Completed Operations Coverage. Includes the necessary or incidental use of temporary off premises locations to conduct the business described.

Premium: The premium is based on item #6 (premises traffic) on the Home Business Underwriting Questionnaire as stated by the insured.

Personal Liability Rating: Basic $100,000 limit of liability Other Exposures – Increased Limits Factors $200,000 1.15

00-12 $075 $300,000 1.24 13-25 $100 $400,000 1.30 Over 25 Refer to company $500,000 1.35

For higher limits, apply the appropriate Other Exposure-Personal Liability Increased Limits factors.

When rating, be sure to apply Tier deviation. Use endorsement PO H7 Home Business Endorsement.

IDENTITY FRAUD EXPENSE COVERAGE

Coverage Description When the optional Identity Fraud Expense Coverage endorsement is attached to the policy, $15,000 of coverage is available to pay for expenses incurred by an insured as a direct result of any one identity fraud first discovered or learned of during the policy period. Such expenses include the costs for notarizing fraud affidavits or similar documents; certified mail sent to law enforcement, financial institutions and credit agencies; lost income resulting from the time taken off work to meet with or talk to law enforcement or credit agencies; loan application fees for re-applying for a loan when the application is rejected solely because the lender received incorrect credit information; and reasonable attorney’s fees incurred to defend lawsuits brought against the insured and to remove criminal or civil judgments. Limits of Liability Up to $15,000 coverage will be provided for the Identity fraud of an insured discovered or first learned of during the policy period. Premium: Deductible:

$30 $250 Use Identity Fraud Expense Coverage Endorsement PO 04 55 06 05.

This endorsement provides complete details on coverage, definitions and additional policy conditions applicable to this coverage.






MOTORIZED GROUND MAINTENANCE VEHICLES

Coverage Description When the optional Motorized Ground Maintenance Vehicles endorsement is attached to the policy, Coverage E – Personal Liability and Coverage F – Medical Payments to Others apply to bodily injury or property damage arising out the ownership, maintenance, use, loading or unloading of a motorized land conveyance designed for ground maintenance tasks such as mowing grass, raking a lawn, plowing snow, or tiling or grading soil. Limits of Liability Premiums (flat charge – do not apply credits or deviation)

Coverage E: $100,000 $ 40 Coverage F: $ 1,000 Inc.

Premiums listed are for basic limits. For increased limits, apply the factors listed on page 28 for Coverage E and page 29 for Coverage F

Motorized Ground Maintenance Vehicles Endorsement PO H24 07 14.




Copyright, Insurance Services Office, Inc., 1996, 2001 13

HOMEOWNER POLICY cont. ISO ENDORSEMENTS

WHEN MANUALLY RATING ISO ENDORSEMENTS, APPLY TIER DEVIATION. LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE When the endorsement is attached to the policy, limited amounts of insurance are automatically provided as follows: Section I - $10,000 to pay for loss to covered real or personal property, owned by an insured, that is damaged by fungi or wet or dry rot, or bacteria on the “residence premises” as defined in the coverage endorsements. This Coverage applies only for the policy period in which the loss or costs occur. Section II - $50,000 to pay for damages because of bodily injury or property damage involving the inhalation of, ingestion of, contact with, exposure to, existence of , or presence of any fungi, wet or dry rot, or bacteria. Increased limits - Not available Application of Limits of Liability – For Property Coverage, the $10,000 or the limit selected is the most coverage that will be provided during the policy period regardless of the number of locations insured for Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage or the number of claims made during the policy period. For Liability Coverage, $50,000 or the limit selected is an aggregate limit and is the most coverage that will be provided during the policy period regardless of the number of persons injured, the number of persons whose property is damaged, the number of insureds, the number of locations insured under this policy or the number of bodily injury or property damage claims made. Premium – Basic Limits: There is no premium adjustment. Use Limited Fungi, Wet or Dry Rot, Or Bacteria Coverage Endorsement HO 04 31- For all forms other than HO 00 03. HO 04 32 – For Form HO 00 03. HO 04 33 – For Form HO 00 03 with HO 00 15 and Form HO 00 06 with HO 17 31 or HO 17 32. SPECIAL LOSS SETTLEMENT - ALL FORMS EXCEPT HO 00 04 AND HO 00 06 The policy provides loss settlement on a replacement cost basis if the Coverage A limit of liability represents at

least 80% of replacement value. This percentage amount may be modified to 50%, 60% or 70% of replacement value, without affecting the loss

settlement provisions. If this option is selected, the Coverage A limit of liability representing the percentage chosen of replacement

value , is to be shown in the policy declarations. To develop the BASE PREMIUM for the Coverage A limit:

Includes copyrighted material of Insurance Services Office, Inc.,with its permission.

Copyright, Insurance Services Office, Inc., 1996 14

HOMEOWNER POLICYISO ENDORSEMENTS cont.

1. Multiply the Coverage A limit of liability by the appropriate factor from the table below and round tothe nearest $1000.

% of Replacement Value Factor50% 1.6060% 1.3370% 1.14

2. Select the BASE PREMIUM from the rate pages for the amount of Coverage A developed in step 1.

3. Multiply the premium determined in step 2. above by the appropriate factor from the table noted below.% of Replacement Value Factor

50% .9660% .9770% .98

Use endorsement HO 04 56 Special Loss Settlement.

LOSS SETTLEMENT OPTIONS

1. Functional Replacement Cost Loss Settlement - HO 00 02 and HO 00 03 Only The policy provides building loss settlement on a replacement cost basis, if, at the time of

loss, the amount of insurance on the damaged building represents at least 80% of the fullreplacement cost of the building immediately before the loss.

The policy may be endorsed to provide building loss settlement exclusively on a functionalreplacement cost basis if, at the time of loss, the amount of insurance on the damagedbuilding is 80% or more of the functional replacement cost of the building immediatelybefore the loss.

Functional Replacement Cost means the amount which it would cost to repair or replacethe damaged building with less costly common construction materials and methodswhich are functionally equivalent to obsolete, antique or custom construction materialsand methods.

Select the BASE PREMIUM from the rate pages for the amount of insurance selectedfor this option.

Use Endorsement HO 05 30 Functional Replacement Cost Loss Settlement.

2. Actual Cash Value Loss Settlement - Windstorm Or Hail Losses To Roof Surfacing - All FormsExcept HO 00 04

The policy provides settlement for building losses on a repair or replacement cost basis,subject to certain conditions.

The policy may be endorsed to provide loss settlement exclusively on an Actual Cash Valuebasis for roof surfacing when damage is caused by the peril of Windstorm or Hail.

To develop a premium for this option, multiply the BASE PREMIUM by a factor of .99.

Use Endorsement HO 04 93 Actual Cash Value Loss Settlement - Windstorm or Hail Losses to RoofSurfacing (All Forms except HO 00 04)

Rev. 02/12 Includes copyrighted material of Insurance Services Office, Inc., with its permission.


HOMEOWNER POLICY ISO ENDORSEMENTS cont.

ORDINANCE OR LAW COVERAGE HO 00 01, 02, and 03

The policy may be endorsed to add ordinance or law coverage, as noted below, to accommodate the increased costs known or estimated by the insured for materials and labor to repair or replace the damaged property and to demolish the undamaged portion of the damaged property and clear the site of resulting debris according to the ordinance or law.

Rating (HO 00 01, 02, and 03):

To develop the BASE PREMIUM multiply the premium developed from the rate pages for the total amount of insurance by the appropriate factor below:

Factors

Coverage A LimitSelect Percentage of Coverage A

$60,000 to $140,000

All Others

25% 1.21 1.10 50% 1.44 1.18 75% 1.60 1.25 100% 1.76 1.32

For each add’l 25% Increment, add

.16

.07

ORDINANCE OR LAW COVERAGE HO 00 04 and HO 00 06

Rating (HO 00 04 and HO 00 06): Percentage of Cov. A (HO 00 06) Or Bldg. Add. & Alt Limit (HO 00 04 and HO 00 06) Total Amount: HO 00 04 HO 00 06

NA 25% NA 50% NA 75% 100% 100%

Each add’l 25% The policy may be endorsed to add Ordinance or Law Coverage as noted above. Premium: 1. The premium for this coverage is determined based on the dollar amount of coverage

added. 2. The premium for each $1,000 of insurance is developed by multiplying the appropriate Key

Factor (see below) For “Each Add’l $1,000” by the appropriate Key Premium on HO-KEY-1. Key Factors for “Each Add’l $1,000”

HO 00 04 .028 HO 00 06 .026

Use Endorsement HO 05 62 Ordinance or Law




SPECIAL PERSONAL PROPERTY COVERAGE The policy may be endorsed to insure Coverage C against additional risks of physical loss subject to certain exclusions.

-HO 00 03 -Preferred and Superior Tiers

Rating: Apply factor 1.20 to the HO3 base premium.

Use Endorsement HO 00 15 Special Personal Property Coverage.

When a condominium unit is owner occupied, the Unit Owners Coverage C Special Coverage Endorsement may be added.

-HO 00 06 -Preferred and Superior Tiers

Rating: Apply factor 1.40 to the HO6 base premium.

Use Endorsement HO 17 31 Unit Owners Coverage C Special Coverage PERSONAL PROPERTY (COVERAGE C) REPLACEMENT COST COVERAGE

The premium to extend the limit of liability for Coverage C to include Replacement Cost Coverage, is computed by multiplying the BASE PREMIUM including any premium adjustment for Coverage C limits by the appropriate factor below.

All Forms except HO 00 04 and 06 1.10 HO 00 04 and 06 1.35

Use Endorsement HO 04 90 Personal Property Replacement Cost.

PROTECTIVE DEVICES

Approved and properly maintained installations of burglar alarms, fire alarms and automatic sprinklers in the dwelling may be recognized for a reduced premium. Multiply the BASE PREMIUM by the following factors:

Central Station Reporting Burglar Alarm .95 Central Station Reporting Fire Alarm .95 Police Station Reporting Burglar Alarm .97 Fire Department Reporting Fire Alarm .97 Two Local Fire/Smoke Alarms .95 One Local Fire/Smoke Alarm and/or Local Burglar Alarm .98 Automatic Sprinklers in all areas including attics, bathrooms, closets, attached structures .90 Automatic Sprinklers in all areas except attic, bathroom, closet and attached structure areas that are protected by a fire detector

.92

To obtain the Central Station Reporting credit, we require a copy of the Security System certificate. This endorsement is available on Mobile Home policies. Maximum credit allowed is 10%.

Use Endorsement HO 04 16 Premises Alarm or Fire Protection System.




INFLATION GUARD - ALL FORMS EXCEPT HO 00 04 AND 06 All policies will have this endorsement at no charge. The amount of increase will be 4% unless the insured

selects 6% or 8%. The renewal will include the increased % in coverage A and the premium will be charged for the increase.

Not available on Mobilehome policies.

Use Endorsement HO 04 46 Inflation Guard. BUILDING ADDITIONS AND ALTERATIONS AT OTHER RESIDENCES The policy may be endorsed to provide this coverage to that part of a building which is rented to the “insured”

as an other residence. Develop the premium per $1000 of insurance as noted below.

Use Endorsement HO 04 49 Building Additions and Alterations at Other Residence. BUILDING ADDITIONS AND ALTERATIONS - INCREASED LIMIT - HO 00 04 The limit of liability of 10% of Coverage C provided under Additional Coverages in the HO 00 04 may be

increased. Develop the premium per $1,000 of insurance as follows:

A. Multiply the HO 00 04 Key Premium by .028. See Key Premium Chart, HO-KEY-1. B. When HO 05 62 (Ordinance or Law Coverage) is endorsed on to the policy, add an additional $1.00

per $1,000 charge.

Use Endorsement HO 04 51 Building Additions and Alterations - Increased Limits. WATER BACKUP AND SUMP OVERFLOW ENDORSEMENT Charge Per Policy:

$95. if HO 04 90 Personal Property Replacement Cost Endorsement is not attached. $113. if HO 04 90 Personal Property Replacement Cost Endorsement is attached.

Use Endorsement PO 04 95 Water Backup and Sump Overflow Endorsement




BUSINESS PROPERTY - INCREASED LIMITS

The $2,500 limit of liability for business property on the residence premises may be increased to $10,000 inincrements of $2,500. The charge is $27 per $2,500.

When the on-premises limit is increased, the off-premises limit of $250 is automatically increased, at no

additional charge, to an amount that is 10% of the increased total limit of liability.

Use Endorsement HO 04 12 Increased Limits of Business Property. Note:

The limit of liability in excess of $2,500 does not apply to:A. Business property in storage or held as a sample or for sale or delivery after sale.B. Business property pertaining to a business actually conducted on the residence premises. This

exposure is addressed by HO 04 42 - Permitted Incidental Occupancies or refer to Patrons OxfordHome Business Endorsement PO H7.

CREDIT CARD, FUND TRANSFER CARD, FORGERY AND COUNTERFEIT MONEY

The limit of $500 may be increased. Charge the following:$1,000 Limit - $1$2,500 Limit - $3$5,000 Limit - $4$7,500 Limit - $5$10,000 Limit - $7

Use Endorsement HO 04 53 Credit Card, Fund Transfer Card, Forgery and Counterfeit MoneyCoverage Increased Limits.

PC63

PO H7.





EARTHQUAKE COVERAGE

The policy may be endorsed to provide coverage against a loss resulting from the peril of Earthquake. Thiscoverage shall apply to all Section I Coverages for the same limits provided in the policy. For Form HO 00 03with HO 00 15 and Form HO 00 06 with HO 17 31, this peril is automatically included for Coverage C.

DEDUCTIBLE - The base deductible is 5% of the limit of liability for each coverage and is subject to a $250minimum. This deductible may be increased for a premium credit.

This deductible applies separately to loss under the various Section I Property Coverages. If the limit ofliability on certain property is increased by endorsement, the total limit of liability is used to determine thedeductible. Include increased limits for Cov. C or D and the building coverage options (e.g. HO 04 48Other Structure increased limits and HO 00 06 Cov A increased limits, Ordinance or Law Coverage orBuilding Additions and Alterations).

RATING EARTHQUAKE COVERAGE - BASE DEDUCTIBLE PREMIUM PER $1,000 OF COVERAGE AMAINE IS ZONE 4

TABLE FRAME MASONRY SUPERIORTABLE AAll Forms exceptHO 00 03 with HO 00 15,HO 00 04,HO 00 06, andHO 00 06 with HO 17 31

$.36 $1.55 $.53

TABLE BForm HO 00 04 orHO 00 06 andHigher Cov. C. limits for otherforms

$.25 $.87 $.25

TABLE CForm HO 00 03 with HO 0015,HO 00 06 with HO 17 31,Higher Cov. D. limits,HO 04 48 & other buildingoptions.

$.25 $1.10 $.42

For Higher Deductibles - Multiply the base premium as determined above by the appropriate factorbelow:

DeductiblePercentage

Frame &Superior Masonry

10% .89 .9515% .78 .8920% .67 .8425% .56 .79

Use Endorsement HO 04 54 Earthquake.




FORM HO 00 06 COVERAGE A DWELLING BASIC, INCREASED LIMITS, AND SPECIALCOVERAGE - HO 00 06

BASIC LIMITS - The policy automatically provides a basic Coverage A limit of $5,000 on a named perilsbasis. If increased limits are not desired, enter $5,000 under Coverage A-Dwelling on the application.

INCREASED LIMITS - The premium is developed based on the additional limit of insurance. The premium

for each additional $1,000 of insurance is developed as follows:

Multiply the HO 00 06 Base Premium from the KEY PREMIUM CHART based on territory, protection and construction by .026.

When HO 05 62 (Ordinance or Law Coverage) is endorsed onto the policy add an additional $1 per$1,000 of coverage for this endorsement.

SPECIAL COVERAGE - The Section I Perils Insured Against may be broadened to cover additional risks ofloss with certain exclusions.

Rating: $2 charge per policy for the $5,000 basic Coverage A for increasedCoverage A add an additional $1 per $1,000 for this endorsement.

Use Endorsement HO 17 32 Unit Owners Coverage A Special Coverage.

PERMITTED INCIDENTAL OCCUPANCIES - RESIDENCE PREMISES

The policy may be endorsed to provide expanded Section I coverage and Section II coverage on a permittedincidental occupancy in the dwelling or in an other structure on the residence premises. Examples of suchoccupancies are Offices, Schools or Studios meaning offices for business or professional purposes and privateschools or studios for music, dance, photography and other instructional purposes.

If the permitted incidental occupancy is located in the dwelling, no additional charge is made for the structure.

If the permitted incidental occupancy is located in an other structure, Coverage B does not apply to that structure.For specific insurance on that structure, charge $5 per $1,000.

See page 31 for Section II Coverage and premiums.

Use Endorsement HO 04 42 - Permitted Incidental Occupancies - Residence Premises.

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27

PC63

KEY PREMIUM CHART




LOSS ASSESSMENT COVERAGE

The policy automatically provides, at no additional charge, $1,000 of loss assessment coverage, excludingEarthquake, for assessments relating to the residence premises. This limit may be increased.

The policy may be endorsed to provide loss assessment coverage pertaining to additional locations. No morethan 2 locations can be written in addition to the residence premises.

Rating:

Residence Premises

(All Forms EXCEPT HO 00 03 or 06 with HO 17 32)NEW AMOUNT OF COVERAGE$ 5,000 - $3$10,000 - $5Each Additional $5,000 up to $50,000 - $1

(HO 00 03 or 06 with HO 17 32)NEW AMOUNT OF COVERAGE$ 5,000 - $4$10,000 - $8Each Additional $ 5,000 up to $50,000 - $2

Additional Locations

(All Forms EXCEPT HO 00 03 or 06 with HO 17 32)NEW AMOUNT OF COVERAGE$ 1,000 - $5$ 5,000 - $9$10,000 - $11Each Additional $5,000 up to $50,000 - $1

(HO 00 03 or 06 with HO 17 32)NEW AMOUNT OF COVERAGE$ 1,000 - $7$ 5,000 - $11$10,000 - $14Each Additional $5,000 up to $50,000 - $2

Use Endorsement HO 04 35 Loss Assessment Coverage.

LOSS OF USE - INCREASED LIMIT

When the limit of liability for Coverage D is increased, charge $3 per $1,000.




OTHER STRUCTURES - INCREASED LIMITS, RENTED TO OTHERS, AND OFF-PREMISESSTRUCTURES

When insurance is written on a specific structure on the residence premises for increased limits, or rented to othersfor residential purposes, the rates per $1,000 shall apply separately to each structure.

INCREASED LIMITS:

Rating: $3.00 per $1,000

Use Endorsement HO 04 48 Other Structures - Increased Limits

RENTED TO OTHERS - RESIDENCE PREMISES:

The policy may be endorsed to provide coverage when a structure on the residence premises is rented to others fordwelling purposes. Rates assume one family only. Refer to company for approval if structure is built prior to 1978.A lead safe certificate is required.

Rating: the sum of $5.00 per $1,000 of limit on structure plus $42.00 Liability premium - Increased Limitsfactors may apply and Medical Payments to Others Increased Limits may apply.

Use Endorsement HO 04 40 Structures Rented to Others




OFF-PREMISES STRUCTURES: Forms HO 00 01, 02 and 03 automatically provides Coverage B - OtherStructures at 10% of Coverage A on a blanket basis to structures located on the residence premises.

This blanket coverage may be endorsed to extend Coverage B from Forms HO 00 01, 02 and 03 to includestructures located away from the residence premises if used in connection with the residence premises.

Rating: $14.00 per policy

Use Endorsement HO 04 91 Coverage B - Off-Premises Forms HO 00 01, HO 00 02, and HO 00 03.

Insurance may be written on a specific structure located away from the residence premises. Thisendorsement may be attached to all Forms.

Rating: $5.00 per $1,000

Use Endorsement HO 04 92 Specific Structures Away From Residence Premises.

PERSONAL PROPERTY

INCREASED LIMIT - the limit of liability for Coverage C may be increased. Rating: charge $2 per $1,000 of increased limit or $3 per $1,000 if HO 00 15 is endorsed on the policy.Patrons only charges for the increase over 70%. We give 70% of Coverage A at no charge.

INCREASED LIMIT - OTHER RESIDENCES - Coverage for personal property usually located at otherresidences is limited in the policy form to 10% of Coverage C or $1,000, whichever is greater. This limit maybe increased.Rating: charge $8.00 per $1,000 of increased limit

Use Endorsement HO 04 50 Increased Limits on Personal Property in Other Residences.

REDUCTION IN LIMIT - The limit of liability for Coverage C may be reduced to an amount not less than 40%of the limit of Coverage A. The credit per $1,000 decrease is $1. Because we are increasing Coverage Cfrom 50% to 70% at no extra charge, we will only return the credit on the decrease in increments of$1,000 from 40% to 50% of coverage A.

po59

Typewritten Text

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Typewritten Text




PERSONAL PROPERTY cont.

INCREASED SPECIAL LIMITS OF LIABILITYA. Jewelry, Watches and Furs

The special limit of liability of $1,000 for theft of jewelry, watches and furs may be increased to amaximum of $5,000 but not exceeding $1,000 for any one article. Rate: $17.00 per $1,000.

B. MoneyThe special limit of liability of $200 on money may be increased to a maximum of $1,000. Rate:$7.00 per $100.

C. SecuritiesThe $1,000 limit on securities may be increased to a maximum of $2,000. Rate: $4.00 per $100.

D. Silverware, Goldware and PewterwareThe special limit of liability of $2,500 for loss by theft of silverware, etc., may be increased to amaximum of $10,000 in increments of $500. Rate: $1.00 per $500.

E. FirearmsThe special limit of liability of $2,000 for loss by theft of firearms may be increased to a maximum of$6,000 in increments of $100. Rate: $3.00 per $100.

F. Electronic ApparatusThe policy provides coverage, as described below, for loss of electronic apparatus equipped to beoperated from the electrical system of a motor vehicle or motorized land conveyance while retainingits capability of being operated by other sources of power:

(1) Up to $1,000 for apparatus in or upon a motor vehicle or motorized land conveyance,and(2) Up to $1,000 for apparatus not in or upon a motor vehicle that is away from the residence

premises and used for business.Each of these limits may be increased to a maximum of $5,000 in increments of $500.Rate: $10.00 per $500.

Use Endorsement HO 04 65 Coverage C Increased Special Limits of Liability.

Use Endorsement HO 04 66 Coverage C Increased Special Limits of Liability for HO 00 03 with HO 00 15 or HO 00 06 with HO 17 31.

REFRIGERATED PERSONAL PROPERTY - We add this endorsement to all Homeowner policies free of

charge. This endorsement provides $500 coverage for covered property stored in freezers or refrigerators onthe residence premises for loss caused by power service interruption or mechanical failure. A deductible of$100 applies.

Use Endorsement HO 04 98 Refrigerated Property Coverage.




PERSONAL PROPERTY - SCHEDULED Coverage may be provided on scheduled personal property. Appraisals are required on all items with a

value over $5000 EXCEPT Fine Arts, which is $2500. Appraisals cannot be more than 5 years old. Any one item over $20,000 cannot be bound. Refer to company. A detailed description is required for all scheduled property Breakage coverage is available, property must be stored in a secured enclosed cabinet. Rate Chart follows:

Furs $0.07 per $100 Jewelry 00.59 per 0100 Silverware 00.07 per 0100 Cameras -Personal Use 00.68 per 0100 Musical Instruments – Non-Professional 00.18 per 0100 Guns- (Antiques & Collectible items only) 02.00 per 0100 Golf Equipment 00.42 per 0100 Stamps 00.26 per 0100 Coins 00.42 per 0100 Fine Arts Chart on next page


Rev. 01/06 Copyright, Insurance Services Office, Inc., 1996, 2003, 2005 26


PERSONAL PROPERTY - SCHEDULED cont. FINE ARTS ONE TO FOUR FAMILIES MASONRY & FRAME AMOUNT OF INSURANCE PROTECTION CLASS 1 – 8 PROTECTION CLASS 8B, 9 – 10

$001,000 OR LESS $004.00 $006.00 0002,000 0004.00 0007.00 0003,000 0006.00 0007.00 0004,000 0007.00 0009.00 0005,000 0007.00 0011.00 0006,000 0009.00 0013.00 0007,000 0011.00 0015.00 0008,000 0011.00 0017.00 0009,000 0013.00 0018.00 0010,000 0015.00 0020.00 0011,000 0015.00 0022.00 0012,000 0017.00 0024.00 0013,000 0018.00 0026.00 0014,000 0018.00 0028.00 0015,000 0020.00 0029.00 0016,000 0022.00 0031.00 0017,000 0022.00 0033.00 0018,000 0024.00 0035.00 0019,000 0026.00 0037.00 0020,000 0026.00 0039.00 0021,000 0028.00 0040.00 0022,000 0029.00 0042.00 0023,000 0029.00 0044.00 0024,000 0031.00 0046.00 0025,000 0033.00 0048.00 0030,000 0039.00 0055.00 0035,000 0044.00 0064.00 0040,000 0051.00 0073.00 0045,000 0057.00 0083.00 0050,000 0062.00 0092.00 0075,000 0092.00 0134.00 0100,000 0123.00 0178.00

Over $100,000 and all other classes - Refer to Company Breakage $2.00 per $1,000

Use Endorsement HO 04 61 Scheduled Personal Property.




RENTAL TO OTHERS - THEFT COVERAGE ALL FORMS EXCEPT HO 00 03 WITH HO 00 15 ANDHO 00 06 WITH HO 17 31

The policy may be endorsed to cover loss by theft while the portion of the residence premises usually occupiedby the insured is occasionally rented in whole or in part to others, or while there is rental to a roomer orboarder. Charge $16 per policy.

Use Endorsement HO 04 80 Residence Rental Theft.

SINKHOLE COLLAPSE COVERAGE - ALL FORMS EXCEPT HO 00 04 AND HO 00 06

The policy may be endorsed to provide sinkhole collapse coverage. Charge $1 per $1,000.

Use Endorsement HO 04 99 Sinkhole Collapse.

SPECIAL COMPUTER COVERAGE - ALL FORMS EXCEPT HO 00 03 WITH HO 00 15 OR HO 00 06WITH HO 17 31

The policy may be endorsed to insure computers and related equipment against additional risks of physical losssubject to certain exclusions. Charge $16 per policy.

Use Endorsement HO 04 14 Special Computer Coverage.



GENERAL RULES

SECTION II COVERAGESPERSONAL LIABILITY AND MEDICAL PAYMENTS TO OTHERS

RESIDENCE PREMISES - BASIC AND INCREASED LIMITS/OTHER EXPOSURES-BASIC LIMITS

RESIDENCE PREMISES - Minimum limits of liability for Coverage E (Personal Liability) is $100,000 and forCoverage F (Medical Payments) is $1,000. If increased limits are written, then the same limits must apply toany Other Exposures covered under the policy, unless otherwise stated. The premium for the minimum limitsare included in the Base Premium. Additional premiums for Residence Premises increased limits:

Liability Coverage E Medical Payments Coverage FLimit Premium Limit Premium

1 & 2 Fam. 3 & 4 Fam(Renewal only)

$100,000 - - $1,000 -0200,000 08.00 15.00 02,000 030300,000 13.00 24.00 03,000 070400,000 16.00 30.00 04,000 100500,000 18.00 35.00 05,000 12

OTHER EXPOSURES - INCREASED LIMITS - The minimum limits for Other Exposures are the same as the

limits for the Residence Premises, unless otherwise stated. If increased limits are written, then the same limitsmust apply to the Residence Premises, unless otherwise stated. Additional premiums for Other Exposuresincreased limits - apply factor listed below for each exposure:

Liability Coverage E Medical Payments Coverage FLimit Premium Factor Limit Premium

0200,000 1.150300,000 1.240400,000 1.300500,000 1.35

See chart on next page forOther Exposures – MedicalPayments to Others Premium

PC63

See chart on next



SECTION II COVERAGES cont.

OTHER EXPOSURES - MEDICAL PAYMENTS TO OTHERS INCREASED LIMITS $,2000 $3,000 $4,000 $5,000

Other Insured Locations Occupied By Insured $01. $02. $03. $04. Residence Employees 001. 002. 003. 004. Add’l Residence Rented to Others 001. 002. 003. 004. Other Structures Rented to Others-Residence Premises 001. 002. 003. 004. Office, Prof., Private School or Studio Use:

A. Residence Premises B. Other Residence

005. 003.

011. 007.

016. 010.

021. 012.

Business Pursuits: A. Clerical Employees B. Salesperson, Installation, etc. Included or Excluded C. Teachers

Lab. Etc Not otherwise classified

001. 001. 002. 001.

002. 002. 004. 002.

003. 003. 007. 003.

004. 004. 008. 004.

Corporal Punishment Medical Payments Not available Incidental Motorized Land Conveyances 001. 002. 003. 004. Outboard Motors and Watercraft:

A. Outboard, Inboard or Inboard-Outboard Engines or Motors Up to 15 Feet Up to 50 HP

51 to 100 HP 101 to 150 HP

Over 15 to 26 feet Up to 50 HP 51 to 100 HP 101 to 150 HP 151 to 200 HP

B. Sailboats, with or w/o auxiliary power 26 to 40 feet

003. 004. 007. 004. 007. 009. 013. 003.

007. 009. 013. 009. 013. 017. 026. 007.

010. 013. 020. 013. 020. 026. 039. 010.

012. 015. 023. 015. 023. 030. 046. 012.

Owned Snowmobile Not applicable Farmers Personal Liability Not applicable Incidental Farming Personal Liability 001. 002. 003. 004. POH24 Motorized Ground Maintenance Vehicles (HO) 002. 004. 006. 008. POH24 Motorized Ground Maintenance Vehicles (mobile home)

002. 006. 008. 012.



SECTION II COVERAGES cont. OTHER INSURED LOCATION OCCUPIED BY INSURED Section II coverage may be provided on locations, other than the residence premises, where an insured resides,

but which are insured for Section I coverage under another insurance program or by another company. Make the appropriate charge for each other insured location shown in the declarations of this policy. Premiums listed are for basic limits. For increased limits, apply the factors listed on page 26.

PREMIUM PER RESIDENCE One Family $07.00 Two Family 015.00 Three Family (renewal only) 077.00 Four Family (renewal only) 093.00

RESIDENCE EMPLOYEES There is no additional charge for up to two residence employees. Charges do not apply to employees working

less than half of the customary full time or to whom workers’ compensation exclusion applies as stated in Section II of the policy. Premiums listed are for basic limits. For increased limits, apply the factors listed on page 26.

Premium: $5.00 per person in excess of two.

ADDITIONAL RESIDENCE RENTED TO OTHERS The policy may be endorsed to provide coverage when an additional residence is rented to others. Contact underwriter for acceptance if built prior to 1978. A lead safe certificate is required.

Premiums listed are for basic limits. For increased limits, apply the factors listed on page 26.

PREMIUM PER RESIDENCE One Family $42.00 Two Family 064.00 Three Family (renewal only) 129.00 Four Family (renewal only) 134.00

Use endorsement HO 24 70 Additional Residence Rented to Others.



SECTION II COVERAGES cont. PERMITTED INCIDENTAL OCCUPANCIES - RESIDENCE PREMISES AND OTHER RESIDENCES The policy may be endorsed to provide Section II coverage for the increased exposure arising from a permitted

incidental occupancy on the residence premises or in an other residence occupied by the insured. Examples of such occupancies are Offices, Schools or Studios meaning offices for business or professional purposes and private schools or studios for music, dance, photography and other instructional purposes. Premiums listed are for basic limits. For increased limits, apply the factors listed on page 26.

A. Residence Premises - Premium per residence $19.00

Use Endorsement HO 04 42 Permitted Incidental Occupancies - Residence Premises

B. Other Residence - Premium per residence $20.00

Use Endorsement HO 24 43 Permitted Incidental Occupancies - Other Residence

BUSINESS PURSUITS The policy may be endorsed to provide coverage for the liability of the insured arising out of business activities. Coverage is excluded if the insured owns the business, is a partner or maintains financial control in the business. Premiums listed are for basic limits. For increased limits, apply the factors listed on page 26. PREMIUM PER INSURED PERSON Clerical Employees $05 Sales person, Collector or Messenger

Installation, demonstration or servicing operator:

Included $07 Excluded $05

Teachers

Laboratory, athletic, manual or physical training

$14

with corporal punishment $19 Not otherwise classified $06

with corporal punishment $11

Use endorsement HO 24 71 Business Pursuits INCIDENTAL MOTORIZED LAND CONVEYANCES The policy may be endorsed to provide coverage when certain motorized land conveyances, with a 15 m.p.h.

maximum attainable speed are not subject to motor vehicle registration. The following may not be covered:

A. motorized bicycles; B. golf carts; or C. mopeds.

Read the endorsement for conditions of coverage applying to eligible conveyances. Premiums listed are for basic limits. For increased limits, apply the factors listed on page 26. PREMIUM PER CONVEYANCE $16.

Use endorsement HO 24 13 - Incidental Motorized Land Conveyances.



SECTION II COVERAGES cont.

OUTBOARD MOTORS AND WATERCRAFT Coverage is included in the policy form, at no additional charge, for watercraft powered by an outboard engine

or motor or combination of outboard engines or motors of up to 25 horsepower, and sailboats less than 26 feet in overall length with or without auxiliary power.

Coverage is available, for an additional premium, for the following: A. Watercraft, up to 26 feet in length powered by outboard engines or motors exceeding 25 horsepower,

Inboard or inboard-Outdrive engines or motors. Accumulate total horsepower if two or more engines or motors are regularly used together with any single watercraft owned by insured.

B. Sailboats 26 feet or more in overall length, with or without auxiliary power. Coverage must be written to expiration of the policy. It is permissible to adjust the premium for the

navigational period only, of each year. Premium is adjusted on a pro-rata basis. For boats not described above, coverage is not permitted under the homeowner policy.

Premiums listed are for basic limits. For increased limits, apply the factors listed on page 26.

PREMIUM: Outboard, Inboard, or Inboard-Outdrive Engines or Motors

HORSEPOWER UP TO 15 FT OVER 15 TO 26 FT Up to 50* $11 $17 51 to 100 019 025 101 to 150 027 033 151 to 200 N/A 041

Sailboats With or Without Auxiliary Power 26 to 40 feet* $11

*Outboard engines or motors of up to 25 horsepower or sailboats less than 26 feet in overall length with or without auxiliary power are covered in the policy form.

Use endorsement HO 24 75 Watercraft. OWNED SNOWMOBILE Patrons Oxford provides coverage under a separate snowmobile policy. See snowmobile section of the manual.

Do not use Endorsement HO 24 64.

PC63

snowmobile



SECTION II COVERAGES cont. INCIDENTAL FARMING PERSONAL LIABILITY ON THE RESIDENCE PREMISES

A. The policy may be endorsed to provide coverage for the liability of the insured when farming is conducted on the residence premises and is incidental to the use of the premises as a dwelling, and the income derived from the farming operations is not the insured’s primary source of income. However, coverage is not available if the location specified in the endorsement is used for racing purposes.

B. The policy may also be endorsed to provide coverage when the residence premises is used for the sheltering and grazing of animals. However, coverage is not available if the residence premises is used for racing purposes.

AWAY FROM THE RESIDENCE PREMISES

A. The policy may be endorsed to provide coverage for the liability of the insured whose incidental farming activities are conducted at the locations specified in the endorsement which are away from the residence premises. Such incidental farming activities may include the boarding or grazing of the insured’s animals, or use of the land as garden space if the income derived from such activities is not the insured’s primary source of income. However, coverage is not available if the locations specified in the endorsement are used for racing purposes.

Premiums listed are for basic limits. For increased limits, apply the factors listed on page 26. PREMIUM:

Farming Done on the Residence Premises $43. Farming Done Away From the Residence Premises 065.

Use endorsement HO 24 72 Incidental Farming Personal Liability

SECONDARY RESIDENCE PREMISES - $16 CREDIT PERSONAL INJURY

A. Liability coverage for personal injury to others, such as false arrest, libel or invasion of privacy, may be added to the policy. Premium listed is for basic limits. For increased limits, apply the factors listed on page 26. PREMIUM: $14

Use endorsement HO 24 82 Personal Injury



MOBILEHOME GENERAL RULES BASE PREMIUMS

Standard Mobilehome Policy - Standard Homeowner Rate x 1.15 for the territory of location MH 04 01, Mobilehome Endorsement and MH 04 02, Actual Cash Value-Mobilehome automatically

attaches. Superior Mobilehome Policy - Standard Homeowner Rate MH 04 01, Mobilehome Endorsement automatically attaches. Seasonal Mobilehome - Rate for Standard or Superior x 1.15 5 years or newer New Mobilehome Credit (Superior only) 10% credit Continuous Masonry Foundation 5% credit Within 1000 feet of a working fire hydrant 5% credit Over-the-top and Chassis Tie Down 15% credit Over-the-top only Tie Down 10% credit Chassis only Tie Down 5% credit Account Credit 10% credit Non- Smoker Credit 10% credit Group Credit 5% credit EFT Credit 5% credit -Loss Free:

New & Renewal business 3 years loss free 15% 2 years loss free 10% 1 year loss free 5%

[New business requires evidence of loss free with the prior carrier.]

TRANSPORTATION/PERMISSION TO MOVE The policy may be extended for a period of 30 days to protect against loss caused by the additional perils of

collision, upset, stranding or sinking while the mobile home is being transported from one site to another. New business is not eligible for this endorsement. This endorsement is offered, only if moved by an authorized dealer or professional mobilehome mover,

Premium is based on endorsement deductible selected: Standard Superior Deductible Premium Premium

$100 $75. $65 0250 053. 046. 0500 037. 032.

Use Endorsement MH 04 03 - Transportation/Permission to Move

LIENHOLDERS SINGLE INTEREST

For an additional premium, this endorsement will cover only the interest of the lienholder or his assignee named in the Declarations in the mobilehome covered under Coverage A as stated in the Agreement and Conditions of the endorsement.

Standard Premium $15. Superior Premium $13. Use Endorsement MH 04 04 Mobilehome Lienholder’s Single Interest

PROPERTY REMOVED

When the mobilehome is removed because of danger from a peril insured against, the $500 additional coverage in the form may be increased to a maximum of $2,500 in increments of $250. Premium: Charge $2. per $250 increase.

Use Endorsement MH 04 06 Property Removed-Increased Limits



MOBILEHOME GENERAL RULES cont.

ORDINANCE OR LAW COVERAGE Ordinance or Law coverage is not automatically included in the Mobilehome policy.

The policy may be endorsed to add ordinance or law coverage to accommodate the increased costs known or

estimated by the insured for materials and labor to repair or replace the damaged property and to demolish the undamaged portion of the damaged property and clear the site of resulting debris according to the ordinance or law.

Rating:

To develop the BASE PREMIUM multiply the premium developed from the rate pages for the total amount of insurance by the appropriate factor below:

Factors Coverage A Limit

Percentage of Coverage A Total Amount

$60,000 to $140,000

All Others

10% 1.08 1.05 25% 1.21 1.10 50% 1.44 1.18 75% 1.60 1.25 100% 1.76 1.32

For each add’l 25% Increment, add

0.16

0.07

Use Endorsement MH 04 08 Ordinance or Law

LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE

See Page 13. Premium – Basic Limits: There is no premium adjustment. Increased Limits:

Standard Section I Property $025,000 – Charge $070.00 per policy Property $050,000 – Charge $120.00 per policy

Section II Liability $100,000 – Charge $012.00 per policy Superior Section I Property $025,000 – Charge $061.00 per policy

Property $050,000 – Charge $104.00 per policy

Section II Liability $100,000 – Charge $010.00 per policy

Use Limited Fungi, Wet or Dry Rot, Or Bacteria Coverage Endorsement HO 04 31- For all forms other than HO 00 03. Use HO 04 32 – For Form HO 00 03.

PC63

See Page

PC63

7.

Rev 07/14 Includes copyrighted material of Insurance Services Office, Inc., with its permission.


MOBILEHOME GENERAL RULES cont. IDENTITY FRAUD EXPENSE COVERAGE

Coverage Description When the optional Identity Fraud Expense Coverage endorsement is attached to the policy, $15,000 of coverage is available to pay for expenses incurred by an insured as a direct result of any one identity fraud first discovered or learned of during the policy period. Such expenses include the costs for notarizing fraud affidavits or similar documents; certified mail sent to law enforcement, financial institutions and credit agencies; lost income resulting from the time taken off work to meet with or talk to law enforcement or credit agencies; loan application fees for re-applying for a loan when the application is rejected solely because the lender received incorrect credit information; and reasonable attorney’s fees incurred to defend lawsuits brought against the insured and to remove criminal or civil judgments. Limits of Liability Up to $15,000 coverage will be provided for the Identity fraud of an insured discovered or first learned of during the policy period. Premiums:

Standard $41 Superior $36

Deductible: $250

Use Identity Fraud Expense Coverage Endorsement PO 04 55 06 05. This endorsement provides complete details on coverage, definitions and additional policy conditions applicable to this coverage.

MOTORIZED GROUND MAINTENANCE VEHICLES

Coverage Description When the optional Motorized Ground Maintenance Vehicles endorsement is attached to the policy, Coverage E – Personal Liability and Coverage F – Medical Payments to Others apply to bodily injury or property damage arising out the ownership, maintenance, use, loading or unloading of a motorized land conveyance designed for ground maintenance tasks such as mowing grass, raking a lawn, plowing snow, or tiling or grading soil. Limits of Liability Premiums (flat charge – do not apply credits or deviation)

Coverage E: $100,000 $ 55 Coverage F: $ 1,000 Inc.

Premiums listed are for basic limits. For increased limits, apply the factors listed on page 28 for Coverage E and page 29 for Coverage F

Motorized Ground Maintenance Vehicles Endorsement PO H24 07 14.




RATING TIPS

The following premiums are included in the homeowners base premium** and are calculated in the following order (round after each step): x CBIS Factor

x Special loss settlement, HO 04 56 % x Ordinance of Law, HO 05 62 x Superior Construction Credit + Increased Coverage C with HO 15 + Increased Coverage C without HO 15 x Replacement Cost Contents, HO 04 90 x Protective Devices, HO 04 16 x Optional Deductible (including wind deductible) + Cov D increase + Cov E increase + Cov F increase + Additional residence/owner occupied, Cov E + Additional residence/owner occupied, Cov F x Non-smoker credit - Secondary residence credit x tier deviation x Group Credit x EFT Credit x account credit x loss free credit x New Business early issue (if applicable)

Add optional endorsements and apply tier, group credit, EFT credit, account credit, loss free credit and new business early issue credit to rate, if applicable (rounding after each step).

The following premiums are included in the mobile homeowners base premium and are calculated in the following order (round after each step): x CBIS Factor

x Hydrant credit (factor of .95) x Superior credit (factor of .87) x Seasonal surcharge (factor of 1.15) x New Mobile Home credit - Superior tier only (factor of .90) x Masonry foundation credit (factor of .95) x Tie down credit (factor of .95) x Ordinance of Law, HO 04 02 + Increased Coverage C x Replacement Cost Contents, HO 04 90 x Protective Devices, HO 04 16 x Optional Deductible (including hurricane or wind deductible)** + Cov D increase + Cov E increase + Cov F increase + Additional residence/owner occupied, Cov E + Additional residence/owner occupied, Cov F x Non-smoker credit - Secondary residence credit x Group Credit x EFT Credit x account credit x loss free credit x New Business early issue (if applicable)

Add optional endorsements and apply group credit, EFT credit, account credit loss free credit and new business early issue credit to rate, if applicable (rounding after each step).

** Coastal Surcharge of 10% will be applied to the base rate on homes that are <=.20 miles from the Coast ** ** 2% Hurricane Deductible is applied to homes that are <=.20 miles from the Coast not applicable to H0-4 or HO-6 **

Named InsuredPolicy #

Rating Information:Territory Cov. A Limit Cov. E / F Limit Inc. Cov C Limit Inc. Cov D Limit

Form Protection Class Construction Prot/Const FactorCoastal Prop Y/N Coastal Factor Ins Score/Factor '/

Credits:Early Issue EFT Account CreditGroup Loss Free Yrs/Factor / Non-smoker Cr

Base for territory/form X Protection/Const Fac. X Coastal Factor X # of Families Factor X Limit (Key) factor X CBIS factor X Spec loss settle. HO 04 56 % X Ordinance of Law, HO 05 62 X Superior Const Credit + Inc. Cov C (or - dec. Cov C) X R/C Cont, HO 04 90 X Prot Dev Cr XOptional Deductible factor - wind/hail deductible factor + Cov D Increase + Cov E Increase + Cov F Increase XAdd'l residence OO, Cov E + Add'l residence OO, Cov F X Non-smoker Cr - Secondary Res Cr X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

Coverage C, D, E and F Limit, Form HO4

Base for territory/form X Protection/Const Fac. X Coastal Factor X Limit (Key) factor X CBIS factor XOrdinance of Law, HO 05 62 X Superior Const Credit + R/C Cont, HO 04 90 X Prot Dev Cr XOptional Deductible factor + Cov D Increase + Cov E Increase Cov F Increase XAdd'l residence OO, Cov E + Add'l residence OO, Cov F X Non-smoker Cr - Secondary Res Cr X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

Coverage A, C, D, E and F Limit, Form HO6

Base for territory/form X Protection/Const Fac. X Coastal Factor X Limit (Key) factor X CBIS factor X Special Cov C XOrdinance of Law, HO 05 62 X Superior Const Credit + R/C Cont, HO 04 90 X Prot Dev Cr XOptional Deductible factor + Cov A increase + Cov D Increase + Cov E Increase + Cov F Increase XAdd'l residence OO, Cov E + Add'l residence OO, Cov F X Non-smoker Cr - Secondary Res Cr X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

Base X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

Limit / $1,000 X Base per $1000 X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

Limit X Base X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

Limit / $100 X Base per $100 X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

Limit / $500 X Base per $500 X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

Limit / $2,500 X Base per $2,500 X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

limit / $1,000 Base per $1000 + Cov E base x Cov E ILF + Cov F base X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

# of Customers Base for # of cust. X Cov E ILF + Cov F base X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

# of Customers limit / $1,000 Base per $1,000 + Base for # of cust X Cov E ILF + Cov F base X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

HSP / Length Base for length/HSP X Cov E ILF + Cov F base X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue X Navigation Period Factor

Length Base for length X Cov E ILF + Cov F base X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue X Navigation Period Factor

Bus. Pursuits Class Base for class X Cov E ILF + Cov F base X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

Base X Cov E Inc Lim Fac X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

# of Families Base for # of fam X Cov E Inc Lim Fac + Cov F base X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

Base X Cov E Inc Lim Fac + Cov F base X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

Limit Cov A / $1,000 X Cov A factor +Limit Inc Cov C / $1,000 X Inc. Cov. C factor +Limit Inc Cov D / $1,000 X Inc. Cov. D factor +HO0440 Limit / $1,000 X Other Bldg Factor +HO0448 Limit / $1,000 X Other Bldg Factor +HO0442 Limit / $1,000 X Other Bldg Factor +POH7 Limit / $1,000 X Other Bldg Factor X Optional Deductible Fac X TIER FAC X Group Cr X EFT Cr X Account Cr X Loss Free Cr X Early Issue

OPTIONAL ENDORSEMENTS (HO2471)

OPTIONAL ENDORSEMENTS (POH24)



OPTIONAL ENDORSEMENTS (HO2413, HO0442 in dwelling, HO0482, HO0472)

OPTIONAL ENDORSEMENTS (HO0465/HO0466 Electronic Apparatus In or Out, HO0465/HO0466 Silverware)


OPTIONAL ENDORSEMENTS (HO2475 Sailboat)


OPTIONAL ENDORSEMENTS (HO0453, HO0461 Fine Arts, HOO461 Fine Arts Breakage)

OPTIONAL ENDORSEMENTS (POH7 in dwelling)

OPTIONAL ENDORSEMENTS (POH7 in other structure)

OPTIONAL ENDORSEMENTS (HO0442 in other structure, HO0440)

PATRONS OXFORD INSURANCE COMPANYMAINE HOMEOWNER RATING WORKSHEET

OPTIONAL ENDORSEMENTS (HO0414, HO0480, HO0491, HO0495, HO0499, PO0455, POH1, POH2, POH3, POH4, POH5)

OPTIONAL ENDORSEMENTS (HO0461 Cameras, HO0461 Coins, HO0461 Furs, HO0461 Golf Equip., HO0461 Guns, HO09461 Jewelry, HO0461 Musical Instr., HO0461 Stamps, HO0461 Silverware, HO0465/HO0466 Firearms, HO0465/HO0466 Money, HO0465/HO0466 Securities)

OPTIONAL ENDORSEMENTS (HO0448, HO0450, HO0492, HO0465HO0466 Furs, HO0465/HO0466 Jewelry; HO0465/HO0466 Watches, HO0451 [HO4 only], HO1732 [HO6 only])

Premiums are rounded at every stepCoverage A, C, D, E and F Limit, Forms HO1,HO2, HO3, and HO3 w/HO0015

Rev. 11/15 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Copyright, Insurance Services Office, Inc., 1996 38

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