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FARMERS MUTUAL INSURANCE COMPANY

HOMEOWNERS

PROGRAM

WEST VIRGINIA

FARMERS MUTUAL INSURANCE COMPANY HOMEOWNERS PROGRAM

UNDERWRITING RULES

1. Binding Authority A. You may bind coverage for any risk meeting the underwriting rules

outlined in the manual. Maximum coverage “A” amount may not exceed $300,000.

B. Premium payments on canceled policies cannot be accepted without

prior approval from an underwriter. A signed statement of no loss is required to reinstate a policy.

C. Minimum Coverage:

Form 1 $30,000 Form 2 $40,000 Form 3 $75,000 Form 4 $10,000

2. Structure

A. Foundation Form 1 Pier with skirting/underpinning Form 2 & 3 Continuous solid masonry

B. Heating

Form 1 Space heaters Form 2 Floor furnace & circulating heat acceptable up to $60,000 Form 3 Central heat (thermostatically controlled & vented in each

room) 25 years old or less

C. Roof Form 1 & 2 Shingle, Metal or Slate Form 3 Shingle or Metal 25 years old or less

Rev. 5/14 HO-Und-1

D. Occupancy Form 1 & 2 One & two family acceptable Form 3 One family only

E. Plumbing Form 1 Galvanized Form 2 & 3 Copper or Plastic

F. Dwelling

Dwellings under construction or complete renovation: Must be written under the dwelling fire program Owner occupied hybrid homes (mobile homes w/room additions): Must be written under the mobile home program. If they are tenant or seasonally occupied they must be written under the dwelling fire program. Townhomes: Acceptable if fire division separates each unit. The fire division can be a masonry wall of an approved dead air space.

G. Electric

Form 1 Fuse Form 2 Breaker Form 3 Breaker, 25 years old or less

Rev. 5/14 HO-Und-2

3. Risk Criteria A. Mailed applications: completed with signatures, payment & photos of all

insured structures. On line applications: all screens completed with payment information & photos. Signatures are to be retained in agent’s office.

B. When extending liability to other structures photos are required.

C. When individuals are co-habitating, all individuals should be listed on the

policy as named insured’s.

D. Farmer’s comprehensive liability is mandatory for properties in excess of 5 acres whether in one or more tract of land & whether farming is done or not. Additional premium is required for each separate tract of land. Use the ML29 endorsement & describe the location of each additional/separate tract.

E. A handrail is required on all sets of steps &/or porches that are 4 or more

risers high. In ground pools must be fenced & locked. Above ground pools must be enclosed with railing, gated & locked or fenced.

F. Mortgagee’s: No more than 2 per policy

G. Dwellings in “estate” must be written under the dwelling fire program

Rev. 5/14 HO-Und-3

4. Wood Stove Guidelines A. Wood stoves vented into a metal UL approved triple or double wall

insulated chimney acceptable.

B. Wood stoves vented into a fireplace must have the vent pipe extended to the top of the chimney.

C. Wood stoves vented into a chimney located on or within an external

wall must be built from the ground up & have a tile or metal liner.

D. A completed wood stove questionnaire & photo of the wood stove must accompany the application.

5. Unacceptable risks/exposures

A. Dwellings using a wood stove or kerosene space heaters as sole source of heat.

B. Vacant or unoccupied dwellings. We do not write student housing.

C. Mobile homes or hybrid dwellings

D. Vicious dogs, including any dog that has bitten previously or any risk

with a: Rottweiler, Pit Bull, Chow, Doberman Pinscher, German Shepherd, Akita or any mix of these.

E. Trampolines, broken steps, missing handrails or unfenced pools.

F. Applicants who have been canceled, non-renewed or declined by

another company in the past 5 years.

G. Applicants who have had a total loss or theft claim, check with underwriting

H. Structures originally constructed for occupancies other than residential

purposes Rev. 5/14 HO-Und-4

FARMERS MUTUAL INSURANCE COMPANY PREFERRED MOBILE HOMEOWNERS PROGRAM (MH3)

UNDERWRITING RULES

1. Eligibility A. 15 model years or less B. Limit of Insurance:

New – Current & 3 prior year models can be written at purchase price with a copy of the bill of sale

Others – NADA book value plus additions, porches, decks, skirting, foundation

Additions: Porches (w/roof) $15 per sq. ft. Decks $10 per sq. ft. Rooms $30 per sq. ft.

C. Maximum coverage A limit cannot exceed $175,000.

D. Factory installed fireplaces acceptable with no surcharge applied. Wood

stoves are prohibited.

E. Foundation

Solid continuous block (or)

Block pier on concrete pads & enclosed with skirting

2. Property & Liability Coverage’s Refer to the Homeowners Manual for forms, endorsements & rates

Rev. 5/14 PMH-Und-1

3. Risk Criteria

A. Mailed applications: completed with signatures, payment & photos of all insured structures. On line applications: all screens completed with payment information & photos. Signatures are to be retained in agent’s office.

B. When extending liability to other structures photos are required.

C. When individuals are co-habitating, all individuals should be listed on

the policy as named insured’s.

D. Farmer’s comprehensive liability is mandatory for properties in excess of 5 acres whether in one or more tract of land & whether farming is done or not. Additional premium is required for each separate tract of land. Use the ML29 endorsement & describe the location of each additional/separate tract.

E. A handrail is required on all sets of steps &/or porches that are 4 or

more risers high. In ground pools must be fenced & locked. Above ground pools must be enclosed with railing, gated & locked or fenced.

F. Mortgagee’s: No more than 2 per policy

G. Dwellings in “estate” must be written under the dwelling fire program

Rev 5/14 PMH-Und-2

4. Unacceptable risks/exposures A. Wood stove or kerosene space heat as sole source of heat B. Vacant, unoccupied dwellings or student housing

C. Vicious dogs, including any dog that has bitten previously or any risk

with a: Rottweiler, Pit Bull, Chow, Doberman Pinscher, German Shepherd, Akita or any mix of these.

D. Trampolines, broken steps, missing handrails or unfenced pools.

E. Applicants who have been canceled, non-renewed or declined by

another company in the past 5 years.

F. Applicants who have had a total loss or theft claim, check with underwriting

G. Structures originally constructed for occupancies other than residential

purposes

Rev 5/14 PMH-Und-3

FARMERS MUTUAL INSURANCE COMPANY AMERICAN ASSOCIATION OF INSURANCE SERVICES

EXPANDED COVERAGE PROGRAM

FORMS AND ENDORSEMENTS

WEST VIRGINIA HOMEOWNERS

REV 11-13 HO - Expanded Coverage - 1 AAIS

BOOKLET FORMS Form- 1 2.0 Basic Form Form- 2 2.0 Broad Form Form- 3 2.0 Special Form Form- 4 2.0 Contents Broad Form MANDATORY ENDORSEMENTS CL 0317 05 05 Flood Coverage Notice – West Virginia CL 0334 10 07 Coal Mine Subsidence Coverage Part – Non Dwelling CL 0335 10 07 Coal Mine Subsidence Coverage Part-Dwelling GL- 781 6-86 Care Provided for Others – A Business Activity

ML- 126 4-82 West Virginia Loss Payment Endorsement ML- 147 1.0 Punitive Damage Exclusion ML- 223 6.0 Lead Liability Exclusion ML- 435 1.0 Pollution Liability Exclusions ML- 483 2.0 Calendar Date or Time Failure Exclusion ML- 503 2.0 Amendatory Endorsement - Farm Exposure Exclusion ML- 504 2.1 Amendment of Policy Terms – Exclusion of Motorized Vehicles ML 0527 09 04 Limited Coverage for Injury or Damage Arising from a Dog ML 0528 02 04 All-Terrain Vehicle Exclusion ML 0689 10 03 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage ML 5500 09 13 Amended Vandalism or Malicious Mischief Exclusion (Controlled Substance Exclusion) OTHER ENDORSEMENTS ML- 15 1.0 Actual Cash Value ML- 29 2.0 Farm Liability Coverage ML- 30 1.0 Incidental Property Coverages - Higher Limits ML- 41 1.0 Additional Insured ML- 42 1.0 Office, Professional, Private School or Studio Occupancy ML- 44 1.0 Change Endorsement ML- 46 1.0 Personal Injury ML- 48 1.0 Related Private Structures ML- 50 1.0 Loss Assessment Coverage ML- 53 2.0 Earthquake Loss Assessment ML- 54 2.0 Earthquake Coverage ML- 55 2.0 Replacement Value Loss Settlement Terms ML- 61 1.0 Scheduled Personal Property Coverage ML- 61A 1.0 Scheduled Personal Property Coverage - Schedule ML- 65 2.0 Coverage C - Higher Limits on Certain Property ML- 68 1.0 Scheduled Glass ML- 70 2.0 Additional Residential Premises Rented to Others - Liability Coverage Only ML- 71 1.0 Business Activities ML- 75 1.0 Watercraft


EXPANDED COVERAGE PROGRAM

FORMS AND ENDORSEMENTS

WEST VIRGINIA HOMEOWNERS

REV 11-13 HO - Expanded Coverage - 2 AAIS

ML- 151 2.0 Increased Coverage A Limit - No Private Structures ML- 164 2.0 Snowmobile - Liability Coverage Only ML- 170 2.0 Computer Coverage ML- 176 1.0 Rating Information ML- 178 1.0 Insurance by More Than One Company ML- 208 3.0 Water Damage - Sewers, Drains and Sumps

OTHER ENDORSEMENTS ML- 209 1.0 Waterbed Liability ML- 216 2.0 Premises Alarm or Fire Protection System ML- 257 2.0 Ordinance or Law ML- 311 1.0 Employer's Liability - Farm Employees ML- 320 1.0 Incidental Farming ML- 337 1.0 Animal Collision ML- 420 1.0 Debris Removal ML- 421 1.0 Accidental Discharge or Overflow Coverage - Water-Filled Furniture ML- 422 1.0 Dwelling Under Construction - Theft ML- 431 1.0 Golf Cart Liability Coverage

REV 13.0 AAIS Includes copyrighted material with permission of American Association of Insurance Services


HOMEOWNERS MANUAL

WEST VIRGINIA This manual contains rules, definitions, rating information, and a listing of forms and endorsements filed and approved for the Homeowners Program in this state. Any special rules, definitions, rating information, forms, or endorsements filed by or on behalf of the Company apply in lieu of those referred to in this manual. Refer to the Company for homeowners coverages not available through this manual.

TABLE OF CONTENTS RULES Eligibility Program Description Policywriting Instructions Premium Determination Deductibles Premium Modifications Optional Coverages Property Coverages Liability Coverages Farm Coverages -- Liability DEFINITIONS Construction Definitions Fire Protection Definitions Territorial Definitions RATING INFORMATION Basic Policy Rating Information Rating Information for Optional Coverages


HOMEOWNERS MANUAL

WEST VIRGINIA

REV 13.0 Index - i AAIS

INDEX

Rules Page Accidental Discharge -- Water-filled Furniture.........................23 Actual Cash Value.......................................................................15 Additional Interests......................................................................10 Alarm Systems ............................................................................17 Animal Collision...........................................................................29 Assignment ..................................................................................11 Basic Limits ................................................................................... 8 Burglary Alarm Credit .................................................................17 Business Activities......................................................................32 Business Property.......................................................................24 Calculation of Premium ..............................................................14 Cancellation.................................................................................11 Care Provided For Others Liability .............................................................................34 Property............................................................................22 Changes in Limits .......................................................................15 Coal Mine Subsidence...............................................................13 Computers ...................................................................................25 Conditional Endorsements.........................................................13 Construction Definitions ........................................................Def-1 Contributing Insurance................................................................11 Co-owner Occupancy................................................................... 2 Coverages (Basic) and Amounts (Minimum)............................. 8 Coverage B -- Extension of Coverage A..................................12 Coverage C Increased Limits ..............................................................21 Credit Card and Depositors Forgery........................................25 Debris Removal -- Expanded ....................................................18 Deductibles..................................................................................16 Definitions Construction................................................................Def-1 Fire Protection............................................................Def-2 Territorial Definitions..................................................Def-2


HOMEOWNERS MANUAL

WEST VIRGINIA

REV 13.0 Index - ii AAIS

Rules Page Domestic Employees .................................................................30 Dwellings Under Construction Eligibility............................................................................. 3 Theft Coverage................................................................21 Earthquake...................................................................................20 Electronic Devices ......................................................................24 Eligibility......................................................................................... 1 Endorsements .............................................................................10 Farm Coverage Options.............................................................36 Farm Personal Liability...............................................................36 Fire Alarm Credit.........................................................................17 Fire Department Service Charge..............................................26 Fire Protection Definitions ....................................................Def-2 Golf Carts Property............................................................................28 Guns ...........................................................................................23 Inception Time ............................................................................... 9 Incidental Farming.......................................................................36 Ineligible Risks............................................................................... 3 Interpolation..................................................................................12 Individual Risk Premium Modification.......................................19 Jewelry, Watches, and Furs.......................................................23 Liability Coverage Options Farm .................................................................................36 Personal...........................................................................30 Loss Assessment........................................................................27 Loss Settlement Provisions ......................................................... 5 Mid-Term Changes.....................................................................15 Minimum Premium ......................................................................10


HOMEOWNERS MANUAL

WEST VIRGINIA

REV 13.0 Index - iii AAIS

Rules Page Modified Loss Settlement Terms ..............................................15 Money and Securities .................................................................23 Office, Professional, Private School, or Studio Occupancy..................................................................33 Ordinance or Law -- Expanded..................................................17 Package Policy Requirements .................................................... 8 Perils Insured Against................................................................... 6 Personal Injury..............................................................................34 Policy Term.................................................................................... 9 Policywriting Instructions............................................................... 9 Preferred Mobile Homeowners ............ Und. Guide Supplement Premium Determination .............................................................14 Premium Modifications......................................................17 & 19 Premium Rounding .....................................................................12 Principal Coverages Liability ............................................................................... 7 Property.............................................................................. 4 Private Structures Extension of Coverage A ...............................................12 Optional Coverages........................................................21 Program Description .................................................................... 4 Property Coverage Options .......................................................20 Protective Devices......................................................................17 Refrigerated Food Spoilage......................................................25 Replacement Value -- Coverage C...........................................18 Restriction of Coverage..............................................................11 Scheduled Glass.........................................................................27 Scheduled Personal Property....................................................26 Silverware, Goldware, and Pewterware ...................................24 Smoke Detectors ........................................................................17 Snowmobiles ...............................................................................33 Sprinkler Systems.......................................................................17


HOMEOWNERS MANUAL

WEST VIRGINIA

REV 13.0 Index - iv AAIS

Rules Page Tenant's Improvements...............................................................25 Tenant's Personal Property -- Special Coverage....................15 Territorial Definitions..............................................................Def-3 Townhouses.................................................... Und. Guide Page 2 Transfer of Policy.........................................................................11 Vandalism....................................................................................20 Waiver of Premium .....................................................................12 Water Damage -- Sewers, Drains, and Sumps.......................27 Waterbed Liability.......................................................................31 Watercraft.....................................................................................34


HOMEOWNERS MANUAL

WEST VIRGINIA

REV 13.0 RULES - 1 AAIS

RULE 1 -- ELIGIBILITY 1.1 Owner Occupied A policy may be issued to an owner-occupant of a dwelling used only

for private residential purposes, except as permitted in Rule 1.5, and occupied by no more than two families and no more than two boarders or roomers per family.

Use Form 1, 2, or 3. 1.1.1 Preferred Mobile Homeowners Program (Doublewide

Mobile Homes) Refer to Rule 1.1. Use form 3 only and attach ML-15. 1.2 Tenant Occupied A policy may be issued to the tenant (non-owner) of a dwelling or

apartment if the residence occupied by the insured is used only for residential purposes, except as permitted in Rule 1.5, and is occupied by no more than one additional family or two boarders or roomers.

Use Form 4. 1.3 Unit-Owners This rule does not apply.


HOMEOWNERS MANUAL

WEST VIRGINIA

REV 13.0 Rules - 2 AAIS

1.4 Co-owner Occupancy A policy may be issued to one of the co-owners of a two family

dwelling provided each co-owner occupies a separate apartment within the dwelling. The dwelling must be used only for private residential purposes, except as permitted in Rule 1.5. Coverage for the other co-owner's interest in the dwelling and related private structures and for premises liability may be provided by endorsement ML-41.

Use Form 1, 2, or 3. A Form 4 policy providing coverage for personal property, additional

living costs, and personal liability may be issued to the other co-owner(s).

1.5 Incidental Business Occupancies An insured may engage in certain business activities on the insured

premises without affecting the eligibility status, provided that the premises is occupied principally for private residential purposes. Refer to the company for eligible business occupancies.

1.6 Other Occupancies At the option of the company, a policy may be issued to: -- an occupant of a dwelling under a life estate arrangement; or -- an occupant of a dwelling who is purchasing the dwelling

under a long-term contract. The seller, who retains title until the contract is satisfied, must not act as mortgagee.

The dwelling must be used only for private residential purposes,

except as permitted in Rule 1.5, and must be occupied by no more than two families and no more than two boarders or roomers per family.


HOMEOWNERS MANUAL

WEST VIRGINIA


Coverage for the owner's/seller's interest in the dwelling and related private structures and for premises liability may be provided by endorsement ML-41.

Use Form 1, 2 or 3. 1.7 Dwellings Under Construction A policy may be issued to cover the interest of the intended owner-

occupant of a dwelling under construction. The dwelling must be intended to be used only for private residential purposes, except as permitted in Rule 1.5, and occupied by no more than two families and no more than two boarders or roomers per family. Refer to the company for additional guidelines.

Use Form 1, 2, or 3. 1.8 Seasonal Dwellings This rule does not apply. 1.9 Ineligible Risks The following are ineligible for coverage under this manual: -- Mobile homes, trailer homes, or house trailers, whether or not

set on foundations or otherwise made stationary. This does not apply to the Preferred Mobile Homeowners Program.

-- Property to which farm forms or rates apply, except as

permitted in Rules 7.26 and 9.


HOMEOWNERS MANUAL

WEST VIRGINIA


RULE 2 -- PROGRAM DESCRIPTION The following is a general description of the coverages provided by the homeowners policy forms. The policy forms state the complete conditions. 2.1 Policy Forms The following forms are used to provide homeowners coverage. Form 1 -- Basic Form Form 2 -- Broad Form Form 3 -- Special Form Form 4 -- Contents Broad Form 2.2 Principal Property Coverages (Mandatory) Forms 1, 2, and 3 provide all of the principal coverages described

below. Form 4 includes only Coverages C and D. 2.2.1 Coverage A -- Residence Coverage A covers the residence on the insured premises,

including additions and built-in components. 2.2.2 Coverage B -- Related Private Structures Coverage B covers unattached structures on the insured

premises that are related to the residence, other than structures used for business purposes. Coverage also applies to fences, driveways, sidewalks, and other permanently installed outdoor fixtures on the insured premises.


HOMEOWNERS MANUAL

WEST VIRGINIA

2.2.3 Coverage C – Personal Property Coverage C covers personal property owned by or in the care of an insured. Coverage for an insured’s personal property usually at a residence other than the insured premises is limited to 10% of the coverage C limit.

2.2.4 Coverage D – Additional Living Costs & Loss of Rent

Coverage D covers increased living costs & loss of rent or fair rental value that occur when an insured loss makes the insured premises unfit for use.

2.3 Loss Settlement 2.3.1 Coverage A & B

Forms 1 & 2: Buildings must be covered on an actual cash value basis. Attach endorsement ML-15 & establish the limit for Coverage A on an actual cash value basis. Form 3: Claims are settled based on replacement cost loss settlement terms for buildings covered under Coverage A & B. Preferred Mobile Homeowners Program: The mobile home & all other structures are covered on an actual cash value basis.

2.3.2 Coverage C

Loss to property covered under Coverage C is settled on an actual cash value basis.

REV 10/13 Rules – 5 AAIS


HOMEOWNERS MANUAL

WEST VIRGINIA


2.4 Perils Insured Against Forms 1 and 2 insure property covered under Coverages A, B, and C

and the related costs covered under Coverage D against risks of direct physical loss by the perils indicated below.

Perils Covered Form 1 Form 2 Fire or Lightning X X Windstorm or Hail X X Explosion X X Riot or Civil Commotion X X Aircraft X X Vehicles X X Smoke X X Sinkhole Collapse X X Volcanic Action X X Vandalism X X Theft X X Falling Objects X Weight of Ice, Snow, or Sleet X Sudden and Accidental Tearing Apart, Burning, or Bulging X Accidental Discharge of Liquids or SteamX Freezing X Sudden and Accidental Damage from Electrical Currents X Form 3 insures property covered under Coverages A and B and the

related costs covered under Coverage D against all risks of direct physical loss, with certain exceptions. Property covered under Coverage C is insured against risks of direct physical loss by the perils shown for Form 2.


HOMEOWNERS MANUAL

WEST VIRGINIA


Form 4 insures property covered under Coverage C, the insured's interest in building improvements and betterments, and the related costs covered under Coverage D against risks of direct physical loss by the perils shown for Form 2.

2.5 Principal Liability Coverages (Mandatory) Coverage L -- Personal Liability -- Coverage L pays on behalf of

the insured for damages due to bodily injury or property damage caused by an occurrence related to the insured premises or the insured's personal activities.

Coverage M -- Medical Payments to Others -- Coverage M pays

medical expenses incurred by persons who are not insureds if bodily injury occurs in connection with the insured premises or the insured's personal activities.

Coverages L and M can be omitted when contributing insurance

applies or when the policy is written to cover an additional or secondary location. See Rules 3.9 and 10.

FARMERS MUTUAL INSURANCE COMPANY WV AMERICAN ASSOCIATION OF INSURANCE SERVICES

HOMEOWNERS MANUAL

2.6 BASIC LIMITS The following basic limits apply to the coverage’s provided by the homeowner’s policy: Property Coverage Form 1 Form 2 Form 3 Form 4 Residence $30,000 $40,000 $75,000 $10,000 Private Structures -----------------10% of limit on residence----------------------- Personal Property ----------50% of limit on residence---------- $10,000 Additional Living Costs & loss of rent ---------20% of limit on residence----------- 20% of limit on Personal property Liability Coverage All Forms Coverage L $50,000 per occurrence Coverage M $ 1,000 per person, $25,000 per accident Rev 11/11 Rules-8 AAIS


HOMEOWNERS MANUAL

WEST VIRGINIA


RULE 3 -- POLICYWRITING INSTRUCTIONS 3.1 Inception Time The policy may be issued to take effect at 12:01 A.M. Show the inception time on the declarations. 3.2 Policy Term 3.2.1 Annual Rating information for annual policies is shown in this manual.

Policies may not be written for terms of less than one year except as specified in the rules shown below. It is permissible to extend a policy for successive annual terms by extension certificate using the rating information, forms, and endorsements in effect on the renewal date.

3.2.2 Three-Year Prepaid This rule does not apply. 3.2.3 Three-Year Deferred This rule does not apply. 3.2.4 Less Than One Year A policy may be written for a term of less than one year in

order to maintain common anniversary dates with other policies.

3.2.5 Renewal Plan This rule does not apply.

FARMERS MUTUAL INSURANCE COMPANY WV AMERICAN ASSOCIATION OF INSURANCE SERVICES

HOMEOWNERS MANUAL

3.3 Minimum Premium A minimum annual premium charge applies to each policy. The minimum annual premium for Form 1, 2 & 3 is $100. For Form 4 is $50.

3.4 Endorsements Information called for as entries on endorsements can instead be shown on the declarations or A supplemental schedule 3.5 Additional Interests

A homeowners policy can be endorsed to cover the interests of co-owners, executors, administrators, trustees or beneficiaries in the insured premises or the interests of other residents of the insured premises.

3.5.1 Interests in Coverages A & B & Premises Liability – Forms 1, 2 & 3

A policy can be endorsed to cover the insurable interests of others in the covered property & their liability arising out of the insured premises. ENDORSEMENT ML-41 Make entries to show the location of the premises, the names & addresses of the additional insured’s & the extent of their interests

3.5.2 Residents of the Household “THIS RULE DOES NOT APPLY’ 3.5.3 Landlords “THIS RULE DOES NOT APPLY’ Rev 1/12 Rules-10 AAIS


HOMEOWNERS MANUAL

WEST VIRGINIA


3.6 Transfer or Assignment A policy can not be endorsed to effect: -- transfer to another location within the same state; or -- assignment from one insured to another in the event of

transfer of title of the dwelling. 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 Changes in Limits or Coverages Policies must be canceled in accordance with the terms of all

applicable cancellation provisions. Mandatory coverages may not be canceled unless the entire policy is

canceled. If a policy is canceled or the limits are reduced, the amount of any

return premium due is calculated on a pro rata basis, subject to any minimum premium requirement.

3.9 Contributing Insurance Coverage under the property section of the policy can be divided

between two or more companies. -- All policies must contain the same deductible. -- All additional limits and coverages that apply to the property

coverages must be divided between the companies. Coverage for scheduled personal property can be shared at the option of the companies.


HOMEOWNERS MANUAL

WEST VIRGINIA


-- All liability coverage must be assumed entirely by one of the companies. Subtract the liability credit shown in this manual from the total premium and divide the remaining premium between the companies. The company assuming the liability coverage adds to their premium the liability amount that was subtracted as well as any premium for additional liability limits and/or coverages.

-- All policies must include the policy number and company

names and must identify the company providing the liability coverage.

Attach endorsement ML-178 and make the necessary entries. 3.10 Extension of Coverage A -- No Private Structures -- Forms 1, 2, and 3 If the combined replacement cost of all covered related private

structures does not exceed $1,000, an amount equal to the Coverage B limit may be added to the Coverage A limit for no additional premium charge.

Attach endorsement ML-151. 3.11 Waiver of Premium An additional or return premium due when a policy is endorsed after

its inception may be waived, however, return premiums must be refunded at the request of the insured. Refer to the company for the amount that may be waived.

3.12 Premium Rounding Premiums shown on the declarations may be rounded. Refer to the

company for rounding procedures. 3.13 Interpolation Rating information for a limit that is between two limits shown in this

manual can be developed by interpolation.


HOMEOWNERS MANUAL WEST VIRGINIA

3.14 Conditional Endorsements 3.14.1 Coal Mine Subsidence Coverage

Unless waived by the insured, coverage for loss caused by mine subsidence must be provided for structures located in certain counties in this state. In all other counties, coverage for loss to structures caused by mine subsidence must be provided at the request of the insured. Use the rating information shown in this manual. Attach endorsement CL0334

Rev 3/17 Rules – 13 AAIS


HOMEOWNERS MANUAL

WEST VIRGINIA


RULE 4 -- PREMIUM DETERMINATION The basic policy rating information shown in this manual contemplates the property and liability coverages described in Rule 2. Unless liability coverage is deleted, coverage for the following liability exposures is required if they exist: -- all domestic employees of an insured not covered or not required to

be covered by Workers' Compensation Insurance; -- all additional or secondary residence premises where an insured

maintains a residence, other than business or farm properties; and -- incidental office, professional, private school, or studio occupancies

by an insured on residential premises of an insured. Use the rating information shown in this manual. 4.1 Calculation of Premium The premium is computed as follows: Step 1 -- Determine the basic policy premium based on the amount of

Coverage A or Coverage C, as applicable, using the basic policy rating information shown in this manual.

Step 2 -- Adjust the basic policy premium to reflect the desired

deductible. Step 3 -- Adjust the result of Step 2 by any applicable premium

modification factors. Step 4 -- Add the result of Step 3 to the charges for any other

mandatory or optional property or liability coverages that apply.


HOMEOWNERS MANUAL

WEST VIRGINIA


4.2 Modified Loss Settlement Terms -- Coverages A and B -- Forms 1, 2, and 3

This rule does not apply. 4.3 Tenant's Personal Property -- Special Coverage This rule does not apply. 4.4 Unit-Owner's Personal Property -- Special Coverage This rule does not apply. 4.5 Changes in Limits or Addition of Coverages Policy limits may be increased or coverages added during the policy

term. Compute the additional premium due on a pro rata basis using the same forms, endorsements, rules, and rating information in effect when the current policy premiums were calculated.


HOMEOWNERS MANUAL

WEST VIRGINIA

REV 1/03 Rules - 16 AAIS

RULE 5 -- DEDUCTIBLES A deductible amount is subtracted from all covered property losses, except those losses covered by the following Incidental Property Coverages: Emergency Removal; Fire Department Service Charge; Credit Card, Forgery, and Counterfeit Money; Grave Markers; Loss Assessment; Refrigerated Food Spoilage; and, if applicable, Lock and Garage Door Transmitter Replacement. The deductible amount is subtracted only once per occurrence at each location, regardless of the number of covered items affected. 5.1 Flat Deductibles -- All Perils The policy may be issued with a single deductible amount that applies

to all perils. The following flat deductible options are available: Deductible Amount

$ 500 1,000 2,500 Use the factors shown in this manual to adjust the premium and show

the deductible amount on the declarations. 5.2 $250 Theft Deductible for Coverage C -- Forms 1, 2, 3, and 4 This rule does not apply. 5.3 Higher Windstorm or Hail Deductibles -- Forms 1, 2, 3, 5, and 8 This rule does not apply.


HOMEOWNERS MANUAL

WEST VIRGINIA


RULE 6 -- PREMIUM MODIFICATIONS 6.1 Protective Devices Use the protective device factors shown in this manual to adjust the

premium for the installation of the following approved and properly maintained alarm and/or sprinkler systems:

-- Central Station Burglary and/or Fire Alarms -- Fire Department and/or Police Department Alarms -- Local Alarms, including smoke and/or gas detection -- Sprinkler Systems Attach endorsement ML-216. 6.2 Fire Resistive and Specifically Rated Buildings This rule does not apply. 6.3 Row and Townhouses This rule does not apply. 6.4 Expanded Ordinance or Law Coverage - Forms 1, 2, and 3

(Form 4 -- See Rule 7.17) The limitation that applies to the incidental coverage for ordinance or

law (25% of the limit that applies to damaged property) can be removed. When the limitation is removed, the limit that applies to covered property includes coverage for the increased cost which results from the enforcement of a code, ordinance, or law which regulates the use, construction, repair, demolition, or removal of property following a covered loss. If the covered loss plus the increased cost is more than the applicable limit, an extra 10% of the applicable limit is available to cover the increased cost.

Use the factor shown in this manual to adjust the premium. Attach endorsement ML-257.


HOMEOWNERS MANUAL

WEST VIRGINIA


6.5 Replacement Value -- Personal Property The loss settlement provisions that apply to personal property and

various miscellaneous items can be converted from actual cash value coverage to replacement cost coverage. When this option is selected, the personal property limit may not be reduced below the limit specified in Rule 2.6. Use the factors shown in this manual to adjust the premium. Minimum limit for Coverage A is $35,000. And for Form 4, minimum limit for Coverage C is $6,000.

Attach endorsement ML-55. 6.6 Automatic Adjustment of Limits -- Forms 1, 2, 3, 5, and 8 This rule does not apply. 6.7 Expanded Debris Removal Coverage -- Forms 1, 2, and 3 The limitation that applies to the incidental coverage for debris

removal (25% of the limit that applies to the damaged property) can be removed. When the limitation is removed, the limit that applies to covered property includes coverage for the cost of removing the debris of that property following a covered loss. If the covered loss plus the cost of debris removal is more than the applicable limit, an extra 5% of the applicable limit is available to cover debris removal.

Use the factor shown in this manual to adjust the premium. Attach endorsement ML-420.


HOMEOWNERS MANUAL

WEST VIRGINIA

REV 04/02 Rules - 19 AAIS

6.8 Individual Risk Premium Modifications This rule is to be applied to recognize special characteristics of the

risk that are not fully reflected in the rates. Underwriter discretion (submit to company for review) -40% to +40%


HOMEOWNERS MANUAL

WEST VIRGINIA


RULE 7 -- OPTIONAL PROPERTY COVERAGES 7.1 Vandalism -- Form 8 Only This rule does not apply. 7.2 Earthquake Coverage for direct physical loss caused by earthquake can be

added. Coverage for exterior masonry veneer is optional. A special deductible provision applies to loss caused by earthquake.

Forms 1, 2, and 3 -- Apply the rating information shown in this manual

to the Coverage A limit shown on the declarations. If the limit that applies to property covered under Coverage C has been increased (including any increase from the attachment of endorsement ML-55), apply the applicable earthquake rating information to the increased amount(s). If any of the optional endorsements for private structures (ML-42, ML-48, or ML-157) are attached, apply the applicable earthquake rating information to the limit shown on the endorsement for each private structure.

Form 4 -- Apply the rating information shown in this manual to the

Coverage C limit shown on the declarations. If the limit that applies to property covered under the incidental coverage for tenant's improvements has been increased, apply the applicable earthquake rating information to the increased amount(s).

For all forms, attach endorsement ML-54. If coverage is provided for

exterior masonry veneer, make an entry to show that the masonry veneer exclusion does not apply.


HOMEOWNERS MANUAL

WEST VIRGINIA


7.3 Dwelling Under Construction -- Theft Coverage can be provided for theft or attempted theft in or to a

residence being built or a newly constructed residence before it is occupied. Coverage also applies to theft of materials and supplies used in construction of the residence. Use the rating information shown in this manual.

Attach endorsement ML-422 and make an entry to show the limit that

applies. 7.4 Private Structures -- Forms 1, 2, and 3 7.4.1 Increased Limit An additional amount of insurance can be provided for

specific private structures that are covered under Coverage B. Use the rating information shown in this manual. Attach endorsement ML-48 and make entries to describe the

covered structures and show the additional amount of coverage that applies to each structure.

7.4.2 Rented to Others This rule does not apply. 7.4.3 With Incidental Occupancies Coverage for private structures on the described premises

with an office, professional, private school, or studio occupancy can be provided. Use the rating information shown in this manual.

Attach endorsement ML-42 and make entries to describe the

business, describe the covered structures, and show the amount of coverage that applies to each structure.


HOMEOWNERS MANUAL

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7.4.4 Care Provided For Others Coverage for private structures on the described premises

used in conjunction with providing care for others can be added if liability coverage for the care of others also applies. Use the rating information shown in this manual.

Attach endorsement ML-157 and make entries to describe

the covered structures and show the amount of coverage that applies to each structure.

7.4.5 Away From Premises -- Coverage B Extension This rule does not apply. 7.4.6 Away From Premises -- Specifically Scheduled

Structures This rule does not apply. 7.5 Personal Property 7.5.1 Increased Limit -- Forms 1, 2, and 3 The Coverage C limit can be increased. Use the rating

information shown in this manual. Show the Coverage C limit on the declarations. 7.5.2 Reduced Limit -- Forms 1, 2, 3, 5, and 8 This rule does not apply. 7.5.3 In Residences Occasionally Rented (Not applicable to

Form 4 with ML-430, Form 5, Form 6 with ML-429, or Form 8)

This rule does not apply. 7.5.4 In Units Regularly Rented to Others -- Form 6 only (Not

applicable if ML-429 is attached) This rule does not apply.


HOMEOWNERS MANUAL

WEST VIRGINIA


7.6 Accidental Discharge -- Water-filled Furniture Coverage can be provided for direct physical loss to covered property

caused by the accidental discharge or overflow of liquids from water-filled furniture. Use the rating information shown in this manual.

Attach endorsement ML-421. 7.7 Money and Securities The special limits under Coverage C that apply to loss to money,

securities, and related items can be increased. Use the rating information shown in this manual.

Attach endorsement ML-65 and make entries to show the amount of

each increase and the total limits that apply. 7.8 Unscheduled Jewelry, Watches, and Furs -- Forms 1, 2, 3, and 4 The special limit under Coverage C that applies to loss to

unscheduled jewelry, watches, and furs can be increased. Use the rating information shown in this manual.

Attach endorsement ML-65 and make an entry to show the amount of

the increase and the total limit that applies. 7.9 Guns -- Forms 1, 2, 3, and 4 The special limit under Coverage C that applies to loss to guns can

be increased. Use the rating information shown in this manual. Attach endorsement ML-65 and make an entry to show the amount of

the increase and the total limit that applies.


HOMEOWNERS MANUAL

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7.10 Silverware, Goldware, and Pewterware -- Forms 1, 2, 3, and 4 The special limit under Coverage C that applies to loss to silverware,

goldware, and pewterware can be increased. Use the rating information shown in this manual.


the increase and the total limit that applies. 7.11 Business Property The special limit under Coverage C for loss to personal property used

for business purposes while on the insured premises can be increased. Use the rating information shown in this manual.

The special limit that applies to personal property used for business

purposes while away from the insured premises is automatically increased to 10% of the total limit that applies to personal property used for business purposes while on the insured premises.


the increase and the total limit that applies. 7.12 Electronic Devices The special limit under Coverage C that applies to loss to electronic

devices, accessories, and antennas that can be operated from the electrical system of a motorized vehicle or watercraft and other sources of power can be increased. Use the rating information shown in this manual.


the increase and the total limit that applies.


HOMEOWNERS MANUAL

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7.13 Computers Coverage for computer data processing equipment and software can

be provided for all risks of direct physical loss, with certain exceptions. Use the rating information shown in this manual.


covered property and show the limits that apply. 7.14 Refrigerated Food Spoilage The limit that applies to the incidental coverage for refrigerated food

spoilage can be increased. Use the rating information shown in this manual.


the increase and the total limit that applies. 7.15 Additional Living Costs and Loss of Rent This rule does not apply. 7.16 Credit Cards and Depositors Forgery The limit that applies to the incidental coverage for loss by forgery or

alteration of credit cards, checks or drafts, or acceptance of counterfeit paper currency can be increased. Use the rating information shown in this manual.


the increase and the total limit that applies. 7.17 Tenant's Improvements -- Form 4 only The limit that applies to the incidental coverage for tenant's

improvements (10% of the Coverage C limit) can be increased. Use the rating information shown in this manual.


HOMEOWNERS MANUAL

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When establishing the limit for tenant's improvements, consider that the limit includes coverage for the increased cost which results from the enforcement of a code, ordinance, or law which regulates the use, construction, repair, demolition, or removal of property following a covered loss.


the increase and the total limit that applies. 7.18 Fire Department Service Charge The limit that applies to the incidental coverage for fire department

service charges can be increased. Use the rating information shown in this manual.


the increase and the total limit that applies. 7.19 Scheduled Personal Property Coverage for scheduled personal property can be provided against

all risks of direct physical loss, with certain exceptions. New items over $2,000 require a Bill of Sale. Items over one year old and over $2,000 require a current appraisal. Any scheduled personal property item over $5,000 requires company approval to bind. Use the rating information shown in this manual.

Attach endorsements ML-61 and ML-61A and make entries to

describe the covered property and show the limits that apply. 7.19.1 Scheduled Recreational Motor Vehicles Coverage for recreational motor vehicles can be provided for

direct physical loss caused by any of the Coverage C perils. Use the rating information shown in the State Rate Pages.

Describe the covered recreational motor vehicles on

Endorsement ML-504 and make entries to show the limits that apply.


HOMEOWNERS MANUAL

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7.20 Scheduled Glass -- Forms 1, 2, and 3 Coverage for scheduled glass that is part of a building covered under

Coverages A or B can be provided against all risks of direct physical loss, with certain exceptions. Use the rating information provided by the company.

Attach endorsement ML-68 and make entries to describe the covered

glass and show the limits that apply. 7.21 Water Damage -- Sewers, Drains, and Sumps Coverage for direct physical loss caused by water that backs up

through sewers or drains or overflows from a sump can be added for property covered under Coverages A, B, and C. A $250 deductible applies, and coverage is limited to $5,000. Use the rating information shown in this manual.

Attach endorsement ML-208. 7.22 Loss Assessment 7.22.1 Increased Limit -- Described Location The limit that applies to the incidental property and liability

coverages for loss assessment arising out of the described location can be increased. Coverage for assessments resulting from a deductible in the insurance purchased by the association is limited to $1,500. Use the rating information shown in this manual.

Attach endorsement ML-50 and make entries to show the

amount of the increase and the total limit.


HOMEOWNERS MANUAL

WEST VIRGINIA


7.22.2 Additional Locations The incidental property and liability coverages for loss

assessment can be extended to apply to additional locations owned or rented by an insured. A specific limit applies at each additional location. Use the rating information shown in this manual.

Attach endorsement ML-50 and make entries to show the

location and amount of coverage that applies for each premises.

7.22.3 Earthquake Coverage for loss assessment arising from direct loss to

property caused by earthquake can be added. Use the rating information shown for Rule 7.2 in this manual.

Attach endorsement ML-53. 7.23 Coverage A Options -- Form 6 only This rule does not apply. 7.24 Golf Carts Coverage for direct physical loss to specified golf carts caused by a

Coverage C peril or collision or overturn can be added. Use the rating information shown in this manual.


covered property and show the limit that applies. 7.25 Expanded Replacement Cost -- Forms 1, 2, 3, and 5 (Not

applicable if ML-15 is attached) This rule does not apply.


HOMEOWNERS MANUAL

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7.26 Animal Collision (Applicable only if ML-29 or ML-320 is attached)

Coverage for loss by death to cattle, horses, mules, donkeys, hogs,

sheep, or goats owned by the insured can be added to policies that include coverage for liability arising out of farming activities. Loss must occur while the animal is on a public road and must be caused or made necessary by collision between the animal and a vehicle not owned or operated by an insured.

Use the rating information shown in this manual. Attach endorsement ML-337.


HOMEOWNERS MANUAL

WEST VIRGINIA


RULE 8 -- OPTIONAL LIABILITY COVERAGES All mandatory and optional liability coverages must be written at the same limit, except as noted in Rule 8.15. 8.1 Increased Limits -- Coverages L and M The limits for Coverages L and M can be increased. Use the rating

information shown in this manual. 8.2 Reduced Coverage L Limit This rule does not apply. 8.3 Reduced Coverage M Limit This rule does not apply. 8.4 Three and Four Family Dwellings -- Forms 1, 2, 3, 5, and 8 This rule does not apply. 8.5 Domestic Employees Coverage for liability arising out of injuries sustained by domestic

employees of an insured not covered or not required to be covered by Workers' Compensation Insurance is included under the liability section of the policy. A charge is required for each domestic employee in excess of two, except:

-- employees working less than half of the customary full time; or -- employees to whom the policy's Coverage L exclusion for

bodily injury to persons covered or required to be covered by workers' compensation insurance applies.

Use the rating information shown in this manual. Make an entry on the declarations to show the number of domestic

employees.


HOMEOWNERS MANUAL

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8.6 Additional Residence Premises -- Occupied by an Insured Coverage for liability arising out of all additional or secondary

residence premises where an insured maintains a residence, other than business or farm properties, is required. Use the rating information shown in this manual.

Make entries on the declarations to show the locations of all

additional and secondary residence premises to which the liability coverages apply.

8.7 Additional Residence Premises -- Rented to Others Coverage for liability arising out of additional one to four family

dwellings owned by the insured and rented or held for rental to others can be added. Use the rating information shown in this manual.

Attach endorsement ML-70 and make entries to show the location(s)

of the covered premises and to indicate the number of families at each premises.

8.8 Private Structures -- Rented to Others This rule does not apply. 8.9 Waterbed Liability -- Form 4 Coverage for liability for property damage arising out of the ownership

or use of a waterbed on the insured premises can be added. Use the rating information shown in this manual.

Attach endorsement ML-209.


HOMEOWNERS MANUAL

WEST VIRGINIA


8.10 Business Activities -- Business Not Owned by the Insured Coverage for liability arising out of an insured's business activities,

other than activities related to a business of which the insured is sole owner or a partner, can be added. Use the rating information shown in this manual.

Eligible business activities are classified as shown below. Make the

appropriate charge for each covered person. Classifications: 8.10.1 Clerical Office Employees Engaged wholly in office work and having no other duty in or

about the employer's premises. 8.10.2 Salespersons, Collectors, or Messengers No installation, demonstration, or service operations. 8.10.3 Salespersons, Collectors, or Messengers Including installation, demonstration, or service operations. 8.10.4 Teachers Athletic, laboratory, manual training, physical training, or

swimming instruction, excluding coverage for liability arising out of the corporal punishment of pupils.

8.10.5 Teachers Not otherwise classified, excluding coverage for liability

arising out of the corporal punishment of pupils. 8.10.6 Teachers Coverage for liability arising out of the corporal punishment of

pupils. The additional premium for this classification must be added to the premium for classifications 8.10.4 or 8.10.5.


HOMEOWNERS MANUAL

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Refer to the company for occupations not classified. Attach endorsement ML-71 and make entries to show the names of

the covered persons and the covered business activities. If applicable, make an entry to show that coverage for liability arising out of the corporal punishment of pupils is included.

8.11 Office, Professional, Private School, or Studio Occupancy Coverage for liability arising out of an incidental office, professional,

private school, or studio occupancy in the residence, in a related private structure on the insured premises, or at an additional residence premises occupied by the insured can be added when:

-- the premises are occupied principally for residential

purposes; -- the business is conducted by an insured; and -- there is no other business conducted on the premises. Use the rating information shown in this manual. Attach endorsement ML-42 and make entries to describe the

business and its location. 8.12 Owned Snowmobiles -- Off Premises Coverage for liability arising out of the off-premises use of

snowmobiles owned by an insured who resides in the named insured's household can be added. A separate charge applies for each covered snowmobile. Use the rating information shown in this manual.

Attach endorsement ML-164 and make entries to describe each

covered snowmobile.


HOMEOWNERS MANUAL

WEST VIRGINIA


8.13 Watercraft Coverage for liability arising out of the use of certain types of

watercraft can be added. Use the rating information shown in this manual.

For rating purposes, combine the horsepower of all outboard motors

used together with any single watercraft owned by the insured. Classify sailboats that are 26 to 40 feet (inclusive) in length and are

equipped with auxiliary power as inboard motor boats. Attach endorsement ML-75 and make entries to describe each

covered watercraft. 8.14 Personal Injury -- Forms 1, 2, 3, and 4 Personal liability coverage can be extended to include coverage for

personal injury. Personal injury means damages for which the insured is liable arising out of offenses such as false arrest, libel, slander, and invasion of privacy of another. Use the rating information shown in this manual.

Attach endorsement ML-46. 8.15 Care Provided For Others Coverage for liability arising out of care provided by an insured for up

to three persons on the insured premises as a business activity can be added. Use the rating information shown in this manual. The rating information shown reflects an annual aggregate limit that is equal to the Coverage L limit.


location of the business and show the annual aggregate limit.


HOMEOWNERS MANUAL

WEST VIRGINIA


8.16 Golf Cart Liability Coverage This rule does not apply. 8.17 Motorized Vehicle Liability Coverage This rule does not apply.


HOMEOWNERS MANUAL

WEST VIRGINIA


RULE 9 -- OPTIONAL FARM COVERAGES -- LIABILITY All mandatory and optional liability coverages must be written at the same limit. 9.1 Incidental Farming When farming is not the business of the insured, coverage for liability

arising out of an insured's incidental farming activities on or away from the insured premises can be added. Incidental farming includes activities such as the farming of garden plots and the grazing of small numbers of animals. Use the rating information shown in this manual.

Attach endorsement ML-320 and make an entry to show the location

of the farming activities. 9.2 Farm Personal Liability Coverage for liability arising out of farm premises located away from

the insured premises can be added. The eligibility of the following risks must be determined by the

company: -- farms where business activities other than farming are

conducted; -- farms where horses are raised, boarded, or maintained; -- vacant or unoccupied farms; -- farms that are operated to supply agricultural commodities for

manufacturing or processing by the insured for sale to others; -- farms involving the retail sale of farm products or farms that

permit the picking of fruits or vegetables by the public; and


HOMEOWNERS MANUAL

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-- incorporated farms. Use the rating information shown in this manual. Charges must be

made for the initial farm exposure and for each additional farm premises owned by or rented to an insured.

Attach endorsement ML-29. 9.2.1 Initial Farm Exposure This includes: -- the initial farm premises, which is the largest parcel of

farm land with outbuildings(s), whether owned and operated by an insured, owned by an insured and rented to others, or rented to an insured; and

-- all additional farm premises without outbuildings

maintained by an insured and used in conjunction with the above, including any otherwise unclassified vacant farm land.

Any dwellings located on the farm premises and owned by or

rented to an insured are to be rated as additional residence premises.

9.2.2 Each Additional Farm Premises This includes any additional farm premises with

outbuildings(s), whether owned and operated by the insured, owned by the insured and rented to others, or rented to the insured. It also includes all vacant farm land used in conjunction with it.

Any dwellings located on additional farm premises and

owned by or rented to an insured are to be rated as additional residence premises.


HOMEOWNERS MANUAL

WEST VIRGINIA


9.3 Employer's Liability -- Farm Employees (Applicable only if ML-29 is attached)

Liability and medical payments coverage for injuries sustained by

farm employees during the course of their employment can be added to policies that include farm personal liability coverage. Use the rating information shown in this manual.

Attach endorsement ML-311 and make entries to show the rating

basis and premium. 9.4 Custom Farming (Applicable only if ML-29 attached) This rule does not apply. 9.5 Fruit or Vegetable "Pick Your Own" Operations (Applicable

only if ML-29 is attached) This rule does not apply. 9.6 Horse Boarding (Applicable only if ML-29 is attached) This rule does not apply. 9.7 Farm Chemical Limited Liability (Applicable only if ML-29 and a

pollution exclusion endorsement are attached) This rule does not apply. 9.8 Crop Dusting (Applicable only if ML-29 is attached) This rule does not apply. 9.9 Products Aggregate Limit (Applicable only if ML-29 is attached) This rule does not apply.


HOMEOWNERS MANUAL

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RULE 10 -- ADDITIONAL AND SECONDARY LOCATIONS This rule does not apply.


HOMEOWNERS MANUAL

WEST VIRGINIA

REV 10/97 Def -1

CONSTRUCTION DEFINITIONS Masonry A building with walls of masonry veneered construction is to be classified as Masonry. Frame A building with walls of frame, or metal-sheathed or stuccoed frame construction, or with walls of metal or metal lath and plaster on combustible supports is to be classified as Frame. Mixed Construction A building is to be classed as Frame when the wall area of frame construction (including gables) exceeds 33-1/3% of the total wall area.

FARMERS MUTUAL INSURANCE COMPANY WV HOMEOWNERS & PREFERRED MOBILE HOMEOWNERS

TERRITORIAL DEFINITIONS

Territory 1 Territory 2 Territory 3 Territory 4 Boone Brooke Cabell Lincoln Braxton Barbour Fayette Logan Berkeley Clay Nicholas McDowell Calhoun Gilmer Kanawha Mercer Doddridge Hancock Summers Mingo Grant Harrison Webster Wayne Greenbrier Marshall Wyoming Hampshire Mason Hardy Monroe Jackson Ohio Jefferson Putnam Lewis Raleigh Marion Roane Mineral Tyler Monongalia Wetzel Morgan Pendleton Pleasants Pocahontas Preston Randolph Ritchie Tucker Taylor Upshur Wirt Wood

PROTECTION CLASS PROCEDURES

CLASS 1-7 Protection class established throughout a specified area 8 Five miles or less from a fire dept & a hydrant within 1,000 feet 9 Five miles or less from a fire dept & a hydrant more than 1,000 feet 10 Over five miles from a fire dept Rev 11/11 DEF-2 FMIC

Coverage Amount Masonry

Farmer Mutual Insurance Company Homeowner Rates

1Form 1Territory

Frame

Protection Class 1 - 7

MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 3 3 3 4 4 4 4 4Add'l

15,000 181 176 249 200 327 241 386 293

16,000 182 177 252 202 330 243 390 297

17,000 184 181 253 204 334 246 393 300

18,000 185 182 255 205 335 248 395 303

19,000 187 184 256 207 339 252 398 306

20,000 188 185 258 209 343 253 402 309

21,000 189 187 259 211 344 255 405 311

22,000 190 188 260 212 347 256 409 314

23,000 194 189 261 216 350 259 410 317

24,000 199 190 267 217 354 260 414 319

25,000 200 192 268 219 355 261 420 320

26,000 202 194 271 220 359 267 424 324

27,000 204 199 272 223 362 271 426 329

28,000 205 200 275 224 364 272 427 330

29,000 207 202 276 225 368 275 430 334

30,000 209 204 278 226 371 276 433 338

31,000 211 205 280 228 374 278 438 342

32,000 212 207 283 231 378 280 441 343

33,000 214 209 285 235 379 284 442 346

34,000 216 211 287 237 385 285 445 347

35,000 217 212 288 238 389 287 450 353

36,000 219 214 290 240 391 288 456 354

37,000 220 216 293 241 395 291 459 358

38,000 223 216 296 244 397 293 462 359

39,000 224 217 300 246 400 297 465 362

40,000 225 219 302 248 403 300 471 364

41,000 226 220 303 249 406 302 473 368

42,000 228 223 306 252 409 306 476 371

43,000 231 224 309 253 413 307 483 373

44,000 235 225 311 255 414 311 488 377

45,000 237 226 312 256 420 312 491 379

46,000 238 228 314 258 424 314 495 382

47,000 240 231 318 259 426 317 497 386

48,000 241 235 319 261 427 319 498 389

49,000 243 237 323 267 430 320 501 391

50,000 244 238 324 268 433 323 506 393

55,000 253 246 338 276 450 334 527 409

60,000 260 255 347 285 465 346 542 425

65,000 275 268 366 300 489 362 568 442

70,000 287 280 382 317 510 379 598 464

75,000 300 290 400 329 533 397 621 485

80,000 317 309 424 347 563 421 658 510

85,000 334 324 444 364 594 441 692 539

90,000 350 342 465 382 625 464 728 567

95,000 368 358 491 402 654 489 764 594

100,000 385 373 510 421 704 508 799 619

01/01/2005Revised

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2Form 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 3 3 3 3 6 4 6 4Add'l

25,000 204 189 273 235 390 314 454 386

26,000 205 190 276 237 393 319 457 390

27,000 207 192 278 238 397 323 461 393

28,000 209 197 283 240 398 329 464 395

29,000 211 199 284 241 402 331 471 398

30,000 212 200 287 243 405 338 473 402

31,000 214 202 290 244 409 339 476 405

32,000 216 204 293 246 413 343 479 409

33,000 217 205 297 248 415 344 488 410

34,000 219 207 302 249 421 347 491 414

35,000 220 209 306 252 425 350 495 420

36,000 223 211 307 253 427 353 497 424

37,000 224 212 311 255 430 355 500 426

38,000 225 214 312 258 432 358 506 429

39,000 226 216 317 259 436 361 508 432

40,000 228 217 318 260 439 362 513 436

41,000 231 219 319 261 442 366 516 439

42,000 234 220 323 267 445 368 521 442

43,000 237 223 324 271 450 371 527 445

44,000 238 224 329 272 456 373 530 450

45,000 240 225 330 273 459 377 532 456

46,000 241 226 331 275 461 378 535 459

47,000 243 228 335 276 464 382 542 461

48,000 244 234 338 278 468 385 545 464

49,000 246 235 342 280 472 389 550 468

50,000 248 237 343 283 474 390 554 472

51,000 249 238 344 284 477 393 578 474

52,000 252 240 347 285 483 395 601 477

53,000 255 243 350 287 485 398 626 479

54,000 256 244 354 288 489 400 649 485

55,000 258 246 355 290 492 403 673 489

56,000 259 248 358 291 496 406 678 492

57,000 260 249 361 293 498 409 682 496

58,000 261 253 362 297 500 413 686 497

59,000 267 255 366 300 504 414 689 500

60,000 268 256 368 302 507 420 696 504

65,000 280 268 386 317 532 439 773 530

70,000 291 278 403 331 560 460 808 554

75,000 306 290 424 347 584 473 846 583

80,000 323 303 444 364 616 506 899 613

85,000 342 317 471 386 649 532 952 645

90,000 358 329 495 405 684 560 1,005 677

95,000 374 342 516 426 716 586 1,069 710

100,000 391 354 540 444 748 614 1,119 744

105,000 409 371 559 462 784 642 1,155 769

110,000 427 390 577 479 819 669 1,190 797

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3Form 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 3 3 4 3 6 4 8 6Add'l

35,000 256 235 320 280 461 366 645 465

36,000 258 237 323 283 464 370 649 471

37,000 259 238 327 284 468 371 654 473

38,000 261 241 329 287 472 374 660 477

39,000 267 243 331 288 474 377 665 483

40,000 268 244 334 290 477 379 672 488

41,000 271 246 338 291 483 385 677 491

42,000 272 248 339 293 488 386 682 496

43,000 273 249 343 297 492 390 686 498

44,000 276 252 344 300 496 391 692 504

45,000 278 253 347 302 498 395 697 507

46,000 280 255 350 303 501 398 702 510

47,000 283 256 354 306 506 402 705 515

48,000 285 258 355 309 508 403 707 518

49,000 287 259 359 311 513 406 711 524

50,000 288 260 361 312 516 410 714 527

51,000 290 261 362 317 521 414 720 530

52,000 291 268 366 319 525 415 728 532

53,000 293 270 368 323 530 421 736 535

54,000 296 272 371 327 532 424 744 540

55,000 297 273 373 330 535 426 749 544

56,000 302 275 377 331 540 429 755 547

57,000 303 276 378 331 544 430 761 550

58,000 306 280 382 334 547 433 766 557

59,000 307 283 385 334 550 436 772 560

60,000 311 284 389 335 554 439 778 563

61,000 314 287 391 339 560 442 785 568

62,000 317 288 395 343 565 448 796 575

63,000 319 291 398 344 569 454 802 581

64,000 320 293 402 347 577 459 812 586

65,000 324 297 405 353 581 461 819 592

66,000 329 300 409 355 586 464 827 598

67,000 331 303 413 359 592 471 832 602

68,000 334 306 420 361 598 473 839 610

69,000 338 309 424 364 602 477 846 614

70,000 342 311 426 368 610 483 851 618

75,000 355 324 442 386 634 507 890 649

80,000 374 342 468 405 672 532 938 682

85,000 395 359 495 427 710 562 991 717

90,000 414 378 518 450 744 590 1,042 753

95,000 433 397 544 472 779 616 1,089 790

100,000 457 414 568 495 816 646 1,142 829

105,000 473 432 596 510 851 673 1,184 864

110,000 492 450 621 530 888 701 1,230 900

115,000 508 468 649 547 923 726 1,276 935

120,000 528 488 677 565 959 753 1,320 971

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4Form 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 4 4 6 6 8 6 8 8Add'l

6,000 66 63 74 70 84 81 92 82

7,000 70 69 83 78 95 86 101 90

8,000 74 72 90 84 102 95 110 99

9,000 82 81 98 92 113 101 118 106

10,000 86 84 104 99 119 106 129 117

11,000 92 90 113 105 130 116 137 126

12,000 98 96 118 114 138 121 146 134

13,000 102 101 126 119 148 130 154 143

14,000 106 105 133 129 155 137 164 153

15,000 114 113 141 134 166 143 173 163

16,000 118 117 148 142 175 152 182 172

17,000 123 121 154 149 184 157 189 181

18,000 130 129 163 155 190 166 200 188

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01/01/2005Revised

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01/01/2005Revised

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01/01/2005Revised

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01/01/2005Revised

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01/01/2005Revised

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01/01/2005Revised

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01/01/2005Revised

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01/01/2005Revised

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53,000 450 388 513 453 713 587 976 705

54,000 457 390 519 457 719 601 994 719

55,000 461 391 525 459 721 611 1,012 733

56,000 468 400 533 461 729 628 1,018 736

57,000 473 403 539 468 733 648 1,023 744

58,000 477 412 547 469 737 667 1,036 746

59,000 485 421 555 473 744 685 1,041 755

60,000 488 427 562 476 746 704 1,047 760

61,000 492 433 568 481 764 711 1,069 776

62,000 500 436 574 485 784 717 1,091 792

63,000 503 441 583 491 800 721 1,112 805

64,000 510 444 589 495 819 731 1,135 827

65,000 516 449 598 500 835 736 1,157 840

66,000 519 453 604 503 844 749 1,170 859

67,000 525 457 614 508 850 761 1,180 876

68,000 530 461 619 516 861 776 1,190 890

69,000 536 468 628 519 868 785 1,204 909

70,000 542 471 637 524 876 797 1,216 927

75,000 568 519 678 545 914 847 1,265 969

80,000 596 547 720 575 1,023 897 1,337 1,021

85,000 619 575 764 607 1,079 946 1,408 1,074

90,000 648 607 808 637 1,136 994 1,482 1,131

95,000 672 634 851 669 1,189 1,044 1,550 1,186

100,000 701 663 897 701 1,245 1,089 1,659 1,239

105,000 744 697 941 733 1,312 1,143 1,734 1,305

110,000 787 731 986 764 1,376 1,198 1,809 1,372

115,000 831 763 1,028 797 1,443 1,253 1,890 1,441

01/01/2005Revised

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4Form 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

6,000 77 74 90 82 99 95 108 98

7,000 82 78 98 94 110 102 117 108

8,000 90 84 106 101 118 111 129 117

9,000 95 92 114 110 130 118 140 129

10,000 99 96 125 117 142 129 149 140

11,000 104 101 131 128 152 137 161 149

12,000 110 106 142 134 163 146 172 161

13,000 114 111 149 145 173 155 181 172

14,000 118 116 160 153 182 164 190 181

15,000 126 119 167 163 194 173 204 190

16,000 130 128 176 172 205 181 213 204

17,000 134 131 184 178 214 189 224 213

18,000 142 137 194 188 225 200 234 224

19,000 146 143 204 199 237 209 244 234

20,000 152 148 212 207 246 216 256 244

21,000 157 153 220 214 258 225 267 256

22,000 163 160 229 224 270 234 276 267

23,000 167 164 238 232 278 243 287 276

24,000 173 169 246 241 288 253 296 287

25,000 177 175 256 248 299 260 309 296

26,000 182 178 264 259 311 271 319 309

27,000 188 184 273 270 320 278 329 319

28,000 194 189 282 276 330 287 341 329

29,000 200 197 290 285 342 295 350 341

30,000 205 201 299 293 353 305 359 350

31,000 211 207 309 303 361 314 373 359

32,000 214 212 318 312 374 323 383 373

33,000 220 216 326 320 385 330 391 383

34,000 225 223 335 329 393 341 402 391

35,000 231 226 343 339 405 347 413 402

36,000 237 232 353 346 415 356 425 413

37,000 241 238 359 355 426 367 435 425

38,000 246 243 371 364 436 376 445 435

39,000 253 247 378 374 448 385 456 445

40,000 258 255 388 383 457 391 465 456

41,000 261 259 395 390 468 401 477 465

42,000 270 264 405 400 481 410 488 477

43,000 273 271 413 409 489 420 498 488

44,000 278 275 424 417 500 427 507 498

45,000 283 280 432 426 510 436 519 507

46,000 288 285 441 435 520 445 530 519

47,000 293 290 449 444 532 454 540 530

48,000 299 295 457 453 542 461 551 540

49,000 305 302 465 460 554 471 562 551

50,000 311 306 476 469 563 483 571 562

01/01/2005Revised

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Coverage Amount

Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners

1TerritoryProtection Class 1 - 7

Protection Class 8

Protection Class 9

Protection Class 10

3Form No

15,000 231 300 436 600

16,000 233 303 439 608

17,000 238 305 444 613

18,000 239 311 448 618

19,000 244 313 454 624

20,000 245 315 456 627

21,000 247 319 459 634

22,000 249 321 463 642

23,000 253 324 470 646

24,000 255 325 472 653

25,000 256 330 477 657

26,000 260 332 481 661

27,000 263 334 484 667

28,000 264 339 486 676

29,000 267 340 491 683

30,000 269 345 495 686

31,000 274 347 498 691

32,000 275 349 502 698

33,000 281 353 504 702

34,000 282 356 511 712

35,000 285 357 513 717

36,000 286 360 516 720

37,000 290 362 519 726

38,000 291 366 527 732

39,000 296 369 529 736

40,000 297 371 532 747

41,000 299 373 536 750

42,000 302 376 543 757

43,000 303 381 546 761

44,000 310 385 550 768

45,000 311 387 553 775

46,000 313 389 558 780

47,000 314 390 561 784

48,000 316 395 567 786

49,000 319 397 571 790

50,000 321 401 576 793

55,000 331 415 594 832

60,000 345 433 616 862

65,000 360 452 645 909

70,000 378 472 676 947

75,000 395 493 702 988

80,000 418 519 747 1,044

85,000 438 549 788 1,098

90,000 459 577 825 1,157

95,000 483 604 863 1,210

100,000 504 629 907 1,269

105,000 519 649 937 1,309

01/01/2010Revised

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Coverage Amount



Protection Class 8

Protection Class 9

Protection Class 10

3Form No

110,000 534 669 967 1,349

115,000 549 689 997 1,389

120,000 564 709 1,027 1,429

125,000 579 729 1,057 1,469

01/01/2010Revised

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Coverage Amount



Protection Class 8

Protection Class 9

Protection Class 10

3Form No

15,000 239 309 450 619

16,000 241 313 455 626

17,000 246 316 457 630

18,000 247 320 461 636

19,000 250 321 467 642

20,000 252 325 471 646

21,000 255 327 474 654

22,000 257 331 476 660

23,000 259 334 485 665

24,000 262 335 488 672

25,000 264 340 490 676

26,000 267 343 493 680

27,000 271 344 497 688

28,000 273 349 502 696

29,000 275 350 506 703

30,000 276 355 508 707

31,000 283 357 512 712

32,000 285 359 518 717

33,000 288 362 521 723

34,000 289 367 525 732

35,000 292 368 527 737

36,000 293 371 531 742

37,000 298 373 535 748

38,000 301 377 541 755

39,000 304 378 544 759

40,000 306 383 548 768

41,000 307 386 554 773

42,000 311 387 558 779

43,000 313 392 562 784

44,000 318 395 568 792

45,000 320 399 570 797

46,000 321 401 573 804

47,000 323 402 578 807

48,000 326 405 584 811

49,000 327 410 588 814

50,000 331 413 592 816

55,000 341 427 612 858

60,000 355 444 634 889

65,000 371 462 664 936

70,000 388 488 696 974

75,000 405 507 723 1,017

80,000 429 535 768 1,075

85,000 452 564 812 1,132

90,000 474 594 848 1,193

95,000 495 624 890 1,247

100,000 521 648 933 1,305

105,000 536 678 973 1,355

01/01/2010Revised

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Coverage Amount



Protection Class 8

Protection Class 9

Protection Class 10

3Form No

110,000 551 708 1,013 1,405

115,000 566 738 1,053 1,455

120,000 581 768 1,093 1,505

125,000 596 798 1,133 1,555

01/01/2010Revised

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Coverage Amount



Protection Class 8

Protection Class 9

Protection Class 10

3Form No

15,000 248 323 471 647

16,000 250 327 474 656

17,000 257 329 478 660

18,000 259 334 483 664

19,000 261 336 488 671

20,000 262 340 492 675

21,000 266 343 495 682

22,000 270 344 498 690

23,000 271 349 506 696

24,000 274 350 508 703

25,000 275 355 513 707

26,000 280 358 517 712

27,000 283 362 520 718

28,000 285 364 522 728

29,000 288 367 528 734

30,000 290 372 532 740

31,000 295 373 535 744

32,000 297 377 541 750

33,000 302 378 544 756

34,000 303 382 549 765

35,000 306 385 553 770

36,000 307 387 555 777

37,000 311 390 558 782

38,000 313 395 567 788

39,000 318 397 569 793

40,000 320 400 573 802

41,000 321 402 578 809

42,000 326 404 584 815

43,000 327 411 587 820

44,000 332 413 592 828

45,000 334 415 597 833

46,000 336 419 600 840

47,000 339 420 604 844

48,000 341 425 611 847

49,000 343 428 615 849

50,000 344 432 619 854

55,000 357 446 640 895

60,000 372 464 662 928

65,000 387 485 694 979

70,000 409 508 728 1,017

75,000 425 531 756 1,063

80,000 448 558 802 1,122

85,000 472 590 848 1,183

90,000 495 620 888 1,247

95,000 518 650 931 1,304

100,000 544 679 977 1,365

105,000 564 704 1,007 1,410

01/01/2010Revised

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Coverage Amount



Protection Class 8

Protection Class 9

Protection Class 10

3Form No

110,000 584 729 1,037 1,455

115,000 604 754 1,067 1,500

120,000 624 779 1,097 1,545

125,000 644 804 1,127 1,590

01/01/2010Revised

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Coverage Amount



Protection Class 8

Protection Class 9

Protection Class 10

3Form No

15,000 260 339 490 675

16,000 261 341 495 682

17,000 267 343 498 689

18,000 270 349 504 693

19,000 274 350 508 700

20,000 275 354 513 704

21,000 276 358 517 712

22,000 280 359 520 720

23,000 283 363 527 727

24,000 287 367 532 732

25,000 288 371 535 737

26,000 292 374 539 744

27,000 295 377 542 749

28,000 297 381 546 759

29,000 302 382 553 765

30,000 303 387 555 772

31,000 307 388 559 777

32,000 311 395 564 783

33,000 313 396 569 790

34,000 316 399 572 800

35,000 320 400 574 804

36,000 321 404 581 811

37,000 325 409 583 815

38,000 326 413 590 823

39,000 332 414 594 829

40,000 334 416 598 839

41,000 335 420 602 843

42,000 340 424 610 849

43,000 341 428 612 857

44,000 348 430 618 863

45,000 349 433 620 870

46,000 350 436 626 876

47,000 353 441 630 879

48,000 357 443 636 885

49,000 358 446 643 888

50,000 359 450 646 891

55,000 372 464 667 935

60,000 387 486 692 969

65,000 404 506 726 1,023

70,000 425 532 759 1,062

75,000 443 554 790 1,109

80,000 470 583 839 1,171

85,000 492 616 886 1,234

90,000 517 647 926 1,301

95,000 541 679 970 1,359

100,000 561 709 1,010 1,409

105,000 581 739 1,050 1,459

01/01/2010Revised

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Coverage Amount



Protection Class 8

Protection Class 9

Protection Class 10

3Form No

110,000 601 769 1,090 1,509

115,000 621 799 1,130 1,559

120,000 641 829 1,170 1,609

125,000 664 859 1,210 1,659

01/01/2010Revised

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FARMERS MUTUAL INSURANCE COMPANY WV HOMEOWNERS RATES

POLICYWRITING INSTRUCTIONS & PREMIUM DETERMINATION

RULE 3.5 Additional Interests 3.5.1 Interests in coverage A & B & premises liability- Form 1, 2 & 3 ATTACH ENDORSEMENT ML-41 $25. PER POLICY 3.5.2 Residents of the household THIS RULE DOES NOT APPLY 3.5.3 Landlords THIS RULE DOES NOT APPLY 3.9 Contributing insurance Credit for liability coverage $11. All policies must contain the same deductible. All additional limits & coverage must be divided

between companies. Scheduled personal property can be shared at option of companies. Liability must be assumed by one company. All policies must include the policy number & must identify the company providing liability. See rule 3.9, page 11. ATTACH ENDORSEMENT ML-178

4.2 Modified loss settlement terms THIS RULE DOES NOT APPLY 4.3 Tenants personal property Special coverage THIS RULE DOES NOT APPLY 4.4 Unit-owners personal property Special coverage THIS RULE DOES NOT APPLY Rev 1/12 Page 8

FARMERS MUTUAL INSURANCE COMPANY WEST VIRGINIA HOMEOWNERS RATES

DEDUCTIBLES & PREMIUM MODIFICATIONS

RULE 5.1 FLAT DEDUCTIBLES – ALL PERILS $500 0% $1,000 -10% $2,500 -18% Deductible does not apply to all coverage. Use percentages to adjust the premium and show the deductible on the declarations. 5.2 $250 THEFT DEDUCTIBLE FOR COVERAGE C This rule does not apply 5.3 HIGHER WINDSTORM OR HAIL DEDUCTIBLE This rule does not apply 6.1 PROTECTIVE DEVICES Central station burglary and/or fire alarms 5% Fire department and/or police department alarms 3% Local alarms, including smoke and/or gas detection 2% Sprinkler systems 3% Use the protective device percentages to adjust the premium ATTACH ENDORSEMENT ML-216 6.2 FIRE RESISTIVE & SPECIFICALLY RATED BUILDINGS This rule does not apply 6.3 ROW & TOWNHOUSES This rule does not apply Rev. 9/12 Page 9

FARMERS MUTUAL INSURANC COMPANY HOMEOWNERS RATES

WV

PREMIUM MODIFICATIONS

RULE 6.4 EXPANDED ORDINANCE OR LAW Forms 1, 2 & 3 +10% Form 4 – see rule 7.17 rules page 32

The use of this endorsement removes the 25% of damage limit & provides incurred cost for increased cost resulting from an ordinance or law. If damage exceeds limit an additional 10% is granted. Attach Endorsement ML257

6.5 REPLACEMENT VALUE PERSONAL PROPERTY $43 ANNUAL PREMIUM

Personal property may be converted from ACV to replacement cost. Minimum limit requirements Form 1, 2 & 3 Coverage A $35,000 Form 4 Coverage C $ 6,000 Attach Endorsement ML55

6.6 AUTOMATIC ADJUSTMENT OF LIMITS THIS RULE DOES NOT APPLY 6.7 EXPANDED DEBRIS REMOVAL +5%

The use of this endorsement removes the 25% of damage limit & provides incurred cost for debris removal. If damage exceeds limit, an additional 5% is granted. Attach Endorsement ML420

Rev. 4/1/12 HO-Page 10 AAIS

Farmers Mutual Insurance Company West Virginia Homeowners Rates

04/02 Page 11

PREMIUM MODIFICATIONS AND OPTIONAL PROPERTY COVERAGES

RULE 6.8 INDIVIDUAL RISK PREMIUM MODIFICATIONS THIS RULE IS TO BE APPLIED TO RECOGNIZE SPECIAL CHARACTERISTICS OF THE RISK THAT ARE NOT FULLY REFLECTED IN THE RATES. UNDERWRITER DISCRETION (SUBMIT TO COMPANY FOR REVIEW -40% TO +40%) 7.1 VANDALISM - FORM 8 ONLY THIS RULE DOES NOT APPLY 7.2 EARTHQUAKE - RATING INFORMATION PER $1,000 OF INSURANCE* FRAME ALL OTHERS FORMS 1, 2, AND 3 $0.20 $0.40 AND LOSS ASSESSMENT (ML-53) FORM 4 INCLUDING HIGHER LIMITS 0.15 0.30 OF TENANT'S IMPROVEMENTS AND COVERAGE A RELATED PRIVATE STRUCTURE OPTIONS 0.20 0.40 COVERAGE FOR DIRECT PHYSICAL LOSS CAUSED BY AN EARTHQUAKE CAN BE ADDED * COVERAGE FOR MASONRY VENEER IS OPTIONAL, REFER TO ENDORSEMENT. IF THE VENEER EXCLUSION APPLIES, RATE AS "FRAME"; IF NOT, RATE AS ALL OTHERS. ATTACH ENDORSEMENT ML-54

FARMERS MUTUAL INSURANCE COMPANY WV HOMEOWNERS RATES

OPTIONAL PROPERTY COVEFRAGES

RULE RATE PER AMT OF INS 7.3 DWELLING UNDER CONSTRUCTION – THEFT $20 PER $1,000

Coverage for theft or attempted theft can be added to a residence being built or newly constructed residence before it is occupied, including building materials & supplies. ENDORSEMENT ML-422 MAKE ENTRY TO SHOW LIMIT THAT APPLIES

7.4 PRIVATE STRUCTURES 7.4.1 INCREASED LIMITS $6 PER $1,000 ENDORSEMENT ML-48

Additional amount can be provided for specific structures covered under coverage B Description & photos of covered structure needed

7.4.2 RENTED TO OTHERS THIS RULE DOES NOT APPLY 7.4.3 WITH INCIDENTAL OCCUPANCIES $4 PER $1,000 ENDORSEMENT ML-42 Private structures on described premises with an office, professional, private school or studio Need description & photo of structure, description of business & amount of coverage 7.4.4 CARE PROVIDED FOR OTHERS $4 PER $1,000 Coverage for private structures used in conjunction with providing care for others can be added If liability coverage for the care of others also applies 7.4.5 AWAY FROM PREMISES – COVERAGE B EXTENSION THIS RULE DOES NOT APPLY Rev 1/1/13 Page 12 AAIS

Farmers Mutual Insurance Company Homeowners Rates

OPTIONAL PROPERTY COVERAGES

RULE RATE PER AMOUNT OF INSURANCE 7.4.6 Away from premises-Specifically Scheduled structures THIS RULE DOES NOT APPLY 7.5 Personal Property 7.5.1 Increased Limit $1.05 per $1,000.

Coverage C can be increased. Show on declarations 7.5.2 Reduced Limit THIS RULE DOES NOT APPLY 7.5.3 In residences Occasionally rented THIS RULE DOES NOT APPLY 7.5.4 In units Regularly rented THIS RULE DOES NOT APPLY 7.6 Accidental discharge $10 per policy Water filled furniture

Coverage can be provided for direct physical loss to covered property caused by accidental discharge or overflow of liquids from water filled furniture ATTACH ENDORSEMENT ML-421

Rev. 11/11 Page 13


10/97 Page 14


RULE RATING PER AMOUNT INFORMATION OF INSURANCE 7.7 MONEY AND SECURITIES MONEY $6.00 $100 AUTOMATIC COVERAGE OF $250 CAN BE INCREASED. SECURITIES $4.00 $100 AUTOMATIC COVERAGE OF $1,500 CAN BE INCREASED. ATTACH ENDORSEMENT ML-65 7.8 UNSCHEDULED JEWELRY, WATCHES, AND FURS $9.00 $500 AUTOMATIC COVERAGE OF $2,500, FOR LOSS BY THEFT ONLY, CAN BE INCREASED. ATTACH ENDORSEMENT ML-65 7.9 GUNS & GUN ACCESSORIES $2.00 $100 AUTOMATIC COVERAGE OF $2,500 FOR LOSS BY THEFT ONLY, CAN BE INCREASED. ATTACH ENDORSEMENT ML-65 7.10 SILVERWARE, GOLDWARE, AND PEWTERWARE $0.50 $100 AUTOMATIC COVERAGE OF $2,500 FOR LOSS BY THEFT ONLY, CAN BE INCREASED. ATTACH ENDORSEMENT ML-65 7.11 BUSINESS PROPERTY $1.00 $500 AUTOMATIC COVERAGE OF $2,500 WHILE ON INSURED PREMISES 10% OF BUSINESS PROPERTY COVERAGE APPLIES WHILE OFF PREMISES ATTACH ENDORSEMENT ML-65


10/97 Page 15


RULE RATING PER AMOUNT INFORMATION OF INSURANCE 7.12 ELECTRONIC DEVICES $10.00 $500 AUTOMATIC COVERAGE OF $1,500 CAN BE INCREASED. ATTACH ENDORSEMENT ML-65 7.13 COMPUTERS DATA PROCESSING EQUIPMENT $2.00 $100 SOFTWARE 2.00 100 COVERAGE CAN BE PROVIDED FOR ALL RISKS OF DIRECT PHYSICAL LOSS, WITH CERTAIN EXCEPTIONS. NEED DESCRIPTION OF PROPERTY AND THE LIMIT. ATTACH ENDORSEMENT ML-170 7.14 REFRIGERA TED FOOD SPOILAGE $5.00 $500 AUTOMATIC COVERAGE IS $500 ATTACH ENDORSEMENT ML-30 7.15 ADDITIONAL LIVING COST AND LOSS OF RENT THIS RULE DOES NOT APPLY 7.16 CREDIT CARD AND DEPOSITORS FORGERY AMOUNT OF TOTAL RATING INFORMATION INCREASE LIMIT PER POLICY $1,000 $2,500 $2.00 3,500 5,000 3.00 6,000 7,500 4.00 8,500 10,000 5.00 $1,500 PER OCCURRENCE IS THE MOST THAT WILL BE PAID UNLESS A HIGHER LIMIT IS ADDED. ATTACH ENDORSEMENT ML-30


10/97 Page 16

OPTIONAL PROPERTY COVERAGES RULE RATE PER AMOUNT OF INSURANCE 7.17 TENANTS IMPROVEMENTS $3 PER $1,000 FORM 4 ONLY AUTOMATIC COVERAGE OF 10% OF COVERAGE C CAN BE INCREASED. WHEN ESTABLISHING LIMIT, CONSIDER THE LIMIT INCLUDES INCREASED COST WHICH RESULTS FROM THE ENFORCEMENT OF A CODE, ORDINANCE, OR LAW WHICH REGULATES THE USE, CONSTRUCTION, REPAIR, DEMOLITION, OR REMOVAL OF PROPERTY FOLLOWING A COVERED LOSS. ATTACH ENDORSEMENT ML-30 7.18 FIRE DEPARTMENT $2 PER $100 SERVICE CHARGE AUTOMATIC COVERAGE OF $500 CAN BE INCREASED ATTACH ENDORSEMENT ML-30 7.19 SCHEDULED PERSONAL PROPERTY 1. JEWELRY, AS SCHEDULED. $0.85 PER $100 2. FURS AND GARMENTS TRIMMED WITH FUR $0.50 PER $100 OR CONSISTING PRINCIPALLY OF FUR AS SCHEDULED. 3. CAMERAS, PROJECTION MACHINES, FILMS, $1.80 PER $100 AND RELATED ARTICLES OF EQUIPMENT AS SCHEDULED. 4. MUSICAL INSTRUMENTS AND RELATED $0.65 PER $100 ARTICLES OF EQUIPMENT, AS SCHEDULED. 5. SILVERWARE, GOLDWARE, ITEMS PLATED $0.70 PER $100 WITH GOLD OR SILVER, AND PEWTE RWARE; AS SCHEDULED, BUT EXCLUDING PENS, PENCILS, FLASKS, SMOKING IMPLEMENTS AND JEWELRY. 6. GOLFERS' EQUIPMENT, MEANING GOLF BALLS, $1.00 PER $100 CLUBS AND BAGS; GOLF CLOTHING; AND OTHER GOLFING EQUIPMENT AS SCHEDULED. THIS INCLUDES STREET CLOTHES KEPT IN A LOCKER WHILE AN INSURED IS GOLFING.


8/98 Page 17


RULE RATE PER AMOUNT OF INSURANCE 7.19 SCHEDULED PERSONAL PROPERTY (CONT'D) 7. FINE ARTS, AS SCHEDULED. THIS PREMIUM $0.65 PER $100 IS BASED ON YOUR STA TEMENT THAT THE COVERED PROPERTY IS AT THE LOCATION DESCRIBED IN THE ENDORSEMENT. 8. POSTAGE STAMPS, INCLUDING DUE, ENVELOPE $0.55 PER $100 OFFICIAL REVENUE, MATCH AND MEDICINE STAMPS, COVERS; LOCALS; REPRINTS; ESSAYS; PROOFS; AND OTHER PHILA TELIC PROPERTY AS SCHEDULED. INCLUDING THEIR BOOKS, PAGES, AND MOUNTINGS, OWNED BY OR IN THE CUSTODY OR CONTROL OF AN "INSURED". 9. RARE AND CURRENT COINS, MEDALS, PAPER $2.00 PER $100 MONEY BANK NOTES, TOKENS OF MONEY AND OTHER NUMISMATIC PROPERTY, INCLUDING COIN ALBUMS, CONTAINERS, FRAMES, CARDS, DISPLAY CABINETS IN USE WITH SUCH COLLECTION OWNED BY OR IN THE CUSTODY OR CONTROL OF AN "INSURED". 10. BICYCLES AND RELATED EQUIPMENT $1.00 PER $100 11. OTHER PERSONAL PROPERTY AS SCHEDULED $1.00 PER $100 12. GUNS AND GUN ACCESSORIES $2.50 PER $100 APPLIES TO ITEMS 1-12: COVERAGE CAN BE PROVIDED AGAINST ALL RISKS OF DIRECT PHYSICAL LOSS, WITH CERTAIN EXCEPTIONS. NEW ITEMS OVER $2,000 REQUIRE A BILL OF SALE. ITEMS OVER 1 YEAR OLD AND OVER $2,000 REQUIRE A CURRENT APPRAISAL. ANY SCHEDULED PERSONAL PROPERTY ITEM OVER $5,000 REQUIRES COMPANY APPROVAL TO BIND. ATTACH ENDORSEMENTS ML-61 AND ML-61A 7.19.1 SCHEDULED RECREATIONAL MOTOR VEHICLES $35.00 PER $1,000 COVERA GE CAN BE PROVIDED FOR DIRECT PHYSICAL LOSS CAUSED BY ANY OF COVERAGE C PERILS. NEED DESCRIPTION OF RECREATIONAL VEHICLE AND THE LIMITS THAT APPLY ATTACH ENDORSEMENT ML-504


10/97 Page 18


RULE RATE PER AMOUNT OR INSURANCE 7.20 SCHEDULED GLASS COVERAGE FOR SCHEDULED GLASS THAT IS PART OF A BUILDING COVERED UNDER COVERAGE A OR B CAN BE PROVIDED AGAINST ALL RISKS OF DIRECT PHYSICAL LOSS, WITH CERTAIN EXCEPTIONS ATTACH ENDORSEMENT ML-68 7.21 WATER DAMAGE-SEWERS $25.00 PER POLICY DRAINS, AND SUMPS COVERAGE FOR DIRECT PHYSICAL LOSS CAUSED BY WATER THAT BACKS UP THROUGH SEWERS OR DRAINS OR OVERFLOWS FROM A SUMP CAN BE ADDED FOR PROPERTY COVERED UNDER A, B, AND C. $250 DEDUCTIBLE APPLIES AND COVERAGE IS LIMITED TO $5,000. ATTACH ENDORSEMENT ML-208 7.22 LOSS ASSESSMENT 7.22.1 INCREASED LIMIT AMOUNT OF TOTAL RATING INFORMATION INCREASE LIMIT PER POLICY $3,500 $5,000 $4.00 8,500 10,000 6.00 EACH ADD'L $5,000 2.00 THE LIMIT THAT APPLIES TO INCIDENTAL PROPERTY AND LIABILITY COVERAGE CAN BE INCREASED. COVERAGE FOR ASSESSMENTS RESULTING FROM A DEDUCTIBLE IN THE INSURANCE PURCHASED BY THE ASSOCIATION IS LIMITED TO $1,500. NEED AMOUNT OF INCREASE. ATTACH ENDORSEMENT ML-50


10/97 Page 19


RULE RATING INFORMATION 7.22.2 ADDITIONAL LOCATIONS PER POLICY LIMIT $1,500 $8.00 5,000 10.00 10,000 15.00 EACH ADD'L $5,000 2.00 THE INCIDENTAL PROPERTY AND LIABILITY COVERAGE FOR LOSS ASSESSMENT CAN BE EXTENDED TO APPLY TO ADDITIONAL LOCATIONS OWNED OR RENTED BY AN INSURED. SPECIFIC LIMIT APPLIES AT EACH LOCATION. NEED LOCATION AND AMOUNT OF COVERAGE THAT APPLIES FOR EACH PREMISES. ATTACH ENDORSEMENT ML-50 7.22.3 EARTHQUAKE - RATING INFORMATION PER $1,000 OF INSURANCE FRAME ALL OTHERS FORMS 1, 2, AND 3 AND LOSS ASSESSMENT (ML-53) $0.20 $0.40 FORM 4 INCLUDING HIGHER LIMITS OF TENANT'S IMPROVEMENTS AND COVERAGE A 0.15 0.30 RELATED PRIVATE STRUCTURE OPTIONS 0.15 0.30 ATTACH ENDORSEMENT ML-54 *COVERAGE FOR MASONRY VENEER IS OPTIONAL REFER TO ENDORSEMENT. IF THE VENEER EXCLUSION APPLIES, RATE AS "FRAME"; IF NOT, RATE AS ALL OTHERS. ATTACH ENDORSEMENT ML-53 7.23 COVERAGE A OPTION THIS RULE DOES NOT APPLY


10/97 Page 20


RULE RATE PER AMOUNT OF INSURANCE 7.24 GOLF CARTS $0.50 PER $100 FORMS 1, 2, 3, AND 4 COVERAGE FOR DIRECT PHYSICAL LOSS TO SPECIFIED GOLF CARTS CAUSED BY COVERAGE C PERIL OR COLLISION OR OVERTURN CAN BE ADDED. NEED DESCRIPTION AND LIMIT. ATTACH ENDORSEMENT ML-431. 7.25 EXPANDED REPLACEMENT COST THIS RULE DOES NOT APPLY 7.26 ANIMAL COLLISION - $400 LIMIT PER ANIMAL ESTIMATED RATING NO. OF HEAD INFORMATION 1-100 $10.00 101-250 20.00 251-500 30.00 501-1,000 40.00 COVERAGE FOR LOSS BY DEATH TO CATTLE, HORSES, MULES, DONKEYS, HOGS, SHEEP, OR GOATS OWNED BY THE INSURED CAN BE ADDED TO POLICIES THAT INCLUDE FARMING LIABILITY. (MUST HAVE ML-29, FARM LIABILITY OR ML-320, INCIDENTAL FARMING ADDED TO POLICY). ATTACH ENDORSEMENT ML-337

Farmers Mutual Insurance Company

West Virginia Homeowners Rates

OPTIONS LIABILITY COVERAGES

RULE $25 $50 $100 $300 $500 $1MIL $1,000 MED

8.1 INCREASED LIMITS COVERAGE L AND M $0 $0 $14 $21 $26 $31 $3

8.2 REDUCED COVERAGE L LIMIT THIS

RULE DOES NOT APPLY

8.3 REDUCED COVERAGE M LIMIT THIS

RULE DOES NOT APPLY

8.4 THREE AND FOUR FAMILY DWELLINGS THIS

RULE DOES NOT APPLY

8.5 DOMESTIC EMPLOYEES PER EMPLOYEE $3 $4 $5 $6 $7 $3

8.6ADDITIONAL RESIDENCE PREMISES OCCUPIED BY

INSURED $4 $5 $6 $7 $8 $2

8.7ADDITIONAL RESIDENCE PREMISES RENTED TO OTHERS

CHARGE PER FAMILY UNIT $10 $10 $12 $14 $18 $22 $1

ATTACH ENDORSEMENT ML-70

10/2009 Page 21

A CHARGE IS REQUIRED FOR EACH DOMESTIC EMPLOYEE IN EXCESS OF

TWO, IF WORKING MORE THAN HALF OF THE CUSTOMARY FULL TIME; OR

EMPLOYEES TO WHOM THE POLICY'S COVERAGE L EXCLUSION FOR BODILY

INJURY TO PERSONS COVERED OR REQUIRED TO BE COVERED BY

WORKERS COMP. NEED THE NUMBER OF EMPLOYEES.

COVERAGE FOR LIABILITY FOR ALL ADDITIONAL OR SECONDARY

RESIDENCE PREMISES WHERE AN INSURED MAINTAINS AS A RESIDENCE,

OTHER THAN BUSINESS OR FARM PROPERTIES. NEED LOCATIONS OF

ADDITIONAL OR SECONDARY RESIDENCE.

COVERAGE FOR LIABILITY ARISING OUT OF ADDITIONAL ONE TO FOUR

FAMILY DWELLINGS OWNED BY THE INSURED AND RENTED TO OF

ADDITIONAL DWELLINGS AND NUMBER OF FAMILIES AT EACH PREMISES.

LIMITS INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000

EACH ADD'L


10/97 Page 22

OPTIONS LIABILITY COVERAGES LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000

EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 8.8 PRIVATE STRUCTURES RENTED TO

OTHERS THIS RULE DOES NOT APPLY

8.9 WATERBED LIABILITY FORM 4 ONLY $18 $20 $22 $24 $26 COVERAGE FOR PROPERTY DAMAGE ARISING OUT OF OWNERSHIP OR USE OF A WATERBED ON THE INSURED PREMISES CAN BE ADDED MEDICAL PAYMENTS DOES NOT APPLY. ATTACH ENDORSEMENT ML-209 8.10 BUSINESS ACTIVITIES COVERAGE FOR LIABILITY ARISING OUT OF AN INSURED'S BUSINESS ACTIVITIES, OTHER THAN ACTIVITIES RELATED TO A BUSINESS OF WHICH THE INSURED IS SOLE OWNER OR PARTNER CAN BE ADDED. CLASSIFICATIONS AND RATES ARE BELOW. MAKE CHARGE FOR EACH COVERED PERSON. 8.10.1 CLERICAL $2 $2 $3 $4 $5 $1 ENGAGED WHOLLY IN OFFICE WORK AND HAVING NO OTHER DUTY IN OR ABOUT THE EMPLOYER'S PREMISES. 8.10.2 SALESPERSONS NO INSTALLATION $2 $2 $3 $4 $5 $1 SALESPERSONS, COLLECTORS, OR MESSENGERS. NO INSTALLATION, DEMONSTRATION, OR SERVICE OPERATIONS. 8.10.3 SALESPERSONS WITH INSTALLATION $4 $5 $5 $6 $7 $1 INCLUDES INSTALLATION, DEMONSTRATION, OR SERVICE OPERATIONS. 8.10.4 TEACHERS $9 $9 $11 $13 $15 $1 ATHLETIC, LABORATORY, MANUAL TRAINING, PHYSICAL TRAINING, OR SWIMMING INSTRUCTION, EXCLUDES COVERAGE FOR LIABILITY DUE TO CORPORAL PUNISHMENT OR PUPILS.


10/97 Page 23


LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000 EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 8.10.5 TEACHERS - NOC $3 $4 $4 $5 $6 $1 EXCLUDES COVERAGE FOR LIABILITY ARISING OUT OF CORPORAL PUNISHMENT OF PUPILS. 8.10.6 CORPORAL PUNISHMENT $4 $4 $5 $6 $7 COVERAGE FOR LIABILITY ARISING OUT OF THE CORPORAL PUNISHMENT OF PUPILS -- MEDICAL PAYMENTS DOES NOT APPLY. THE ADDITIONAL PREMIUM OF THIS CLASSIFICATION MUST BE ADDED TO THE PREMIUM OF CLASSIFICATIONS 8.10.4 OR 8.10.5. MAKE ENTRIES TO SHOW THE NAMES OF THE COVERED PERSONS AND THE BUSINESS ACTIVITIES. IF APPLICABLE, MAKE AN ENTRY TO SHOW IF LIABILITY FOR CORPORAL PUNISHMENT OF PUPILS IS INCLUDED. ATTACH ENDORSEMENT ML-71 8.11 OFFICE PROFESSIONAL, PRIVATE SCHOOL OR STUDIO OCCUPANCY EACH EXPOSURE $8 $10 $12 $13 $15 $2 COVERAGE FOR LIABILITY ARISING OUT OF AN INCIDENTAL OFFICE, PROFESSIONAL, PRIVATE SCHOOL OR STUDIO OCCUPANCY IN THE RESIDENCE, RELATED PRIVATE STRUCTURE OR AT AN ADDITIONAL RESIDENCE PREMISES OCCUPIED BY AN INSURED CAN BE ADDED WHEN: 1. PREMISES ARE OCCUPIED PRINCIPALLY FOR RESIDENTIAL PURPOSES. 2 BUSINESS IS CONDUCTED BY AN INSURED. 3. THERE ARE NO OTHER BUSINESS CONDUCTED ON THE PREMISES. ATTACH ENDORSEMENT ML-42


10/97 Page 24


LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000 EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 8.12 OWNED SNOWMOBILES OFF PREMISES $59 $66 $87 $99 $109 $4 COVERAGE FOR LIABILITY OFF PREMISES OWNED BY AN INSURED WHO RESIDES IN THE NAMED INSUREDS HOUSEHOLD CAN BE ADDED. A SEPARATE CHARGE APPLIES FOR EACH COVERED SNOWMOBILE. NEED DESCRIPTION OF EACH SNOWMOBILE. ATTACH ENDORSEMENT ML-164 8.13 WATERCRAFT EACH OUTBOARD MOTOR 25-50 HP $6 $7 $9 $10 $11 $4 OVER 50 HP 11 12 16 18 20 6 INBOARD OR INBOARD-OUTBOARD MOTORBOATS AND SAILBOATS UNDER 16 MPH LESS THAN 26 FT 14 16 21 24 26 4 26 TO 40 FT 38 42 56 64 70 4 OVER 40 FT 73 81 108 123 135 16 16-30 MPH LESS THAN 26 FT 30 33 44 50 55 6 26 TO 40 FT 59 66 87 99 109 12 OVER 40 FT 110 122 162 185 201 24 OVER 30 MPH LESS THAN 26 FT 73 81 108 123 135 16 26 TO 40 FT 110 122 162 185 203 24 SAILBOATS - NO AUXILIARY POWER 26 TO 40 FT 30 33 44 50 55 6 COVERAGE FOR LIABILITY ARISING OUT OF THE USE OF CERTAIN TYPES OF WATERCRAFT CAN BE ADDED. TO RATE, COMBINE THE HORSEPOWER OF ALL OUTBOARD MOTORS USED TOGETHER WITH ANY SINGLE WATERCRAFT OWNED BY THE INSURED; CLASSIFY SAILBOATS THAT ARE 26 TO 40 FEET (INCLUSIVE) IN LENGTH AND ARE EQUIPPED WITH AUXILIARY POWER AS INBOARD MOTOR BOATS. NEED DESCRIPTION OF EACH COVERED WATERCRAFT. ATTACH ENDORSEMENT ML-75


10/97 Page 25

OPTIONS LIABILITY COVERAGES LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000 EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 8.14 PERSONAL INJURY $10 $13 $17 $19 $21 (DOES NOT INCLUDE MEDICAL PAYMENTS) PERSONAL LIABILITY CAN BE EXTENDED TO INCLUDE COVERAGE FOR PERSONAL INJURY. PERSONAL INJURY MEANS DAMAGES FOR WHICH THE INSURED IS LIABLE AND THAT ARISE OUT OF OFFENSES SUCH AS FALSE ARREST, LIBEL, SLANDER OR INVASION OF PRIVACY OF ANOTHER. ATTACH ENDORSEMENT ML-46 8.15 CARE PROVIDED FOR OTHERS 1-3 PERSONS $118 $131 $174 $198 $214 $4 COVERAGE FOR LIABILITY ARISING OUT OF CARE PROVIDED BY AN INSURED FOR UP TO THREE (3) PERSONS. ATTACH ENDORSEMENT ML-157 8.16 GOLF CART LIABILITY THIS RULE DOES NOT APPLY 8.17 MOTORIZED VEHICLE LIABILITY COVERAGE THIS RULE DOES NOT APPLY 9.1 INCIDENTAL FARMING $18 $20 $26 $30 $33 $2 WHEN FARMING IS NOT THE BUSINESS OF THE INSURED, LIABILITY COVERAGE FOR INCIDENTAL FARMING ACTIVITIES ON OR AWAY FROM PREMISES. INCLUDES ACTIVITIES SUCH AS FARMING OF GARDEN PLOTS, AND GRAZING SMALL NUMBER OF ANIMALS. ATTACH ENDORSEMENT ML-320


10/97 Page 26

OPTIONS LIABILITY COVERAGES LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000 EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 9.2 FARM PERSONAL LIABILITY LIABILITY ARISING OUT OF FARM PREMISES LOCATED AWAY FROM PREMISES. THE FOLLOWING RISK MUST BE APPROVED BY UNDERWRITING BEFORE WRITING. 1. BUSINESS ACTIVITIES OTHER THAN FARMING RE CONDUCTED. 2. FARMS WHERE HORSES ARE RAISED, BOARDED OR MAINTAINED. 3. VACANT OR UNOCCUPIED FARMS. 4. FARMS THAT ARE OPERATED TO SUPPLY AGRICULTURAL COMMODITIES FOR MANUFACTURING OR PROCESSING FOR SALE TO OTHERS. 5. FARMS INVOLVING THE RETAIL SALE PRODUCTS OR FARMS THAT PERMIT THE PICKING OF FRUITS OR VEGETABLE BY THE PUBLIC. 6. INCORPORATED FARMS. CHARGES MUST BE MADE FOR THE INITIAL FARM EXPOSURE AND FOR EACH ADDITIONAL FARM PREMISES OWNED OR RENTED TO AN INSURED. 9.2.1 INITIAL FARM EXPOSURE 1 - 160 ACRES $30 $32 $40 $46 $50 $6 161 - 500 ACRES 40 43 50 57 63 6 OVER 500 ACRES 50 55 62 71 78 6 INITIAL FARM PREMISES, THE LARGEST PARCEL OF FARM LAND WITH OUTBUILDINGS, WHETHER OWNED AND OPERATED BY AN INSURED, OWNED BUT RENTED TO OTHERS, OR RENTED TO AN INSURED. ADDITIONAL FARM PREMISES USED IN CONJUNCTION WITH INITIAL FARM. ATTACH ENDORSEMENT ML-29


10/97 Page 27

OPTIONS LIABILITY COVERAGES LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000 EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 9.2.2 EACH ADDITIONAL FARM PREMISES $15 $17 $22 $25 $28 $2 INCLUDES ANY ADDITIONAL FARM PREMISES, WHETHER OWNED & OPERATED BY THE INSURED, RENTED TO OTHERS OR RENTED TO THE INSURED. NEED LOCATION OF EACH ADDITIONAL PREMISES. DWELLINGS LOCATED ON FARM PREMISES OR ADDITIONAL FARM PREMISES ARE TO BE RATED AS ADDITIONAL RESIDENCE PREMISES 9.3 FARM EMPLOYEES FULL TIME-OVER 180 DAYS EACH YEAR; EACH $22 $26 $32 $36 $40 $2 PART TIME-41 TO 180 DAYS PER YEAR; EACH $11 $13 $15 $17 $19 $2 PART TIME-40 DAYS OR LESS PER YEAR; RATING INFORMATION PER 100 MAN-DAYS OR FRACTION THEREOF $5 $5 $7 $8 $9 $2 FOR INJURIES SUSTAINED BY FARM EMPLOYEES DURING THE COURSE OF THEIR EMPLOYMENT. POLICY MUST HAVE ML-29 ATTACHED. NEED NUMBER OF EMPLOYEES AND TIME WORKING. ATTACH ENDORSEMENT ML-311 9.4 CUSTOM FARMING THIS RULE DOES NOT APPLY 9.5 FRUIT OR VEGETABLE "PICK YOUR OWN" OPERATIONS THIS RULE DOES NOT APPLY 9.6 HORSE BOARDING THIS RULE DOES NOT APPLY 9.7 FARM CHEMICAL LIMITED LIABILITY THIS RULE DOES NOT APPLY

FARMERS MUTUAL INSURANCE COMPANY

HOMEOWNERS MANUAL

WEST VIRGINIA

10/97

RULE 3.14.1 COAL MINE SUBSIDENCE COVERAGE Policies providing the fire insurance for structures located in Territory 1, as shown below, must include coverage for loss caused by coal mine subsidence, unless the insured or applicant waives such coverage. Policies covering structures located in Territory 2, as shown below, may include coal mine subsidence insurance at the insured's or applicant's request. Make the additional premium charge shown below. Territory 1 Entire State except for the counties listed in Territory 2 2 Berkeley, Cabell, Calhoun, Hampshire, Hardy, Jackson, Jefferson,

Monroe, Morgan, Pendleton, Pleasants, Ritchie, Roane, Wirt and Wood counties

Amount of Dwelling Non-Dwelling Insurance Structures Structures $10,000 or less $10.00 $20.00 $10,001 to $15,000 11.00 22.00 $15,001 to $20,000 12.00 24.00 $20,001 to $25,000 13.00 26.00 $25,001 to $30,000 14.00 28.00 $30,001 to $35,000 15.00 30.00 $35,001 to $40,000 16.00 32.00 $40,001 to $45,000 17.00 34.00 $45,001 to $50,000 18.00 36.00 $50,001 to $55,000 19.00 38.00 $55,001 to $60,000 20.00 40.00 $60,001 to $65,000 21.00 42.00 $65,001 to $70,000 22.00 44.00 $70,001 to $75,000 23.00 46.00 Attach Endorsement FO-136.

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Typewritten Text

Additional rates for coverages up to $200,000 on following pages



1Form 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 3 3 3 4 4 4 4 4Add'l

15,000 153 149 211 169 276 204 326 248

16,000 154 150 213 171 279 205 330 251

17,000 155 153 214 173 283 208 333 254

18,000 156 154 215 174 284 210 334 256

19,000 158 155 216 175 286 213 336 259

20,000 159 156 218 176 290 214 340 261

21,000 160 158 219 178 291 215 343 263

22,000 161 159 220 179 294 216 345 265

23,000 164 160 221 183 296 219 346 268

24,000 168 161 225 184 299 220 350 270

25,000 169 163 226 185 300 221 355 271

26,000 171 164 229 186 304 225 358 274

27,000 173 168 230 188 306 229 360 278

28,000 174 169 233 189 308 230 361 279

29,000 175 171 234 190 311 233 364 283

30,000 176 173 235 191 314 234 366 285

31,000 178 174 236 193 316 235 370 289

32,000 179 175 239 195 320 236 373 290

33,000 181 176 241 199 321 240 374 293

34,000 183 178 243 200 325 241 376 294

35,000 184 179 244 201 329 243 381 298

36,000 185 181 245 203 331 244 385 299

37,000 186 183 248 204 334 246 388 303

38,000 188 183 250 206 335 248 391 304

39,000 189 184 254 208 338 251 394 306

40,000 190 185 255 210 341 254 398 308

41,000 191 186 256 211 344 255 400 311

42,000 193 188 259 213 345 259 403 314

43,000 195 189 261 214 349 260 408 315

44,000 199 190 263 215 350 263 413 319

45,000 200 191 264 216 355 264 415 321

46,000 201 193 265 218 358 265 418 323

47,000 203 195 269 219 360 268 420 326

48,000 204 199 270 221 361 270 421 329

49,000 205 200 273 225 364 271 424 331

50,000 206 201 274 226 366 273 428 333

55,000 214 208 285 234 381 283 445 345

60,000 220 215 294 241 394 293 458 359

65,000 233 226 309 254 414 306 480 374

70,000 243 236 323 268 431 321 505 393

75,000 254 245 338 278 451 335 525 410

80,000 268 261 358 294 476 356 556 431

85,000 283 274 375 308 503 373 585 455

90,000 296 289 394 323 528 393 615 479

95,000 311 303 415 340 553 414 646 503

100,000 325 315 431 356 595 430 675 524

01/01/2003Revised

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Revised Rate



2Form 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 3 3 3 3 5 4 5 4Add'l

25,000 173 160 231 199 330 265 384 326

26,000 174 161 234 200 333 270 386 330

27,000 175 163 235 201 335 273 390 333

28,000 176 166 239 203 336 278 393 334

29,000 178 168 240 204 340 280 398 336

30,000 179 169 243 205 343 285 400 340

31,000 181 171 245 206 345 286 403 343

32,000 183 173 248 208 349 290 405 345

33,000 184 174 251 210 351 291 413 346

34,000 185 175 255 211 356 294 415 350

35,000 186 176 259 213 359 296 418 355

36,000 188 178 260 214 361 298 420 358

37,000 189 179 263 215 364 300 423 360

38,000 190 181 264 218 365 303 428 363

39,000 191 183 268 219 369 305 430 365

40,000 193 184 269 220 371 306 434 369

41,000 195 185 270 221 374 309 436 371

42,000 198 186 273 225 376 311 441 374

43,000 200 188 274 229 381 314 445 376

44,000 201 189 278 230 385 315 448 381

45,000 203 190 279 231 388 319 450 385

46,000 204 191 280 233 390 320 453 388

47,000 205 193 284 234 393 323 458 390

48,000 206 198 285 235 395 325 461 393

49,000 208 199 289 236 399 329 465 395

50,000 210 200 290 239 401 330 468 399

51,000 211 201 291 240 404 333 489 401

52,000 213 203 294 241 408 334 508 404

53,000 215 205 296 243 410 336 529 405

54,000 216 206 299 244 414 338 549 410

55,000 218 208 300 245 416 341 569 414

56,000 219 210 303 246 419 344 574 416

57,000 220 211 305 248 421 345 576 419

58,000 221 214 306 251 423 349 580 420

59,000 225 215 309 254 426 350 583 423

60,000 226 216 311 255 429 355 588 426

65,000 236 226 326 268 450 371 654 448

70,000 246 235 341 280 474 389 684 468

75,000 259 245 358 294 494 400 715 493

80,000 273 256 375 308 521 428 760 518

85,000 289 268 398 326 549 450 805 545

90,000 303 278 418 343 578 474 850 573

95,000 316 289 436 360 605 495 904 600

100,000 331 299 456 375 633 519 946 629

105,000 345 314 473 391 663 543 976 650

110,000 361 330 488 405 693 565 1,006 674

01/01/2003Revised

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Revised Rate



3Form 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 3 3 4 3 5 4 6 5Add'l

35,000 216 199 271 236 390 309 545 394

36,000 218 200 273 239 393 313 549 398

37,000 219 201 276 240 395 314 553 400

38,000 221 204 278 243 399 316 558 404

39,000 225 205 280 244 401 319 563 408

40,000 226 206 283 245 404 321 568 413

41,000 229 208 285 246 408 325 573 415

42,000 230 210 286 248 413 326 576 419

43,000 231 211 290 251 416 330 580 421

44,000 234 213 291 254 419 331 585 426

45,000 235 214 294 255 421 334 589 429

46,000 236 215 296 256 424 336 594 431

47,000 239 216 299 259 428 340 596 435

48,000 241 218 300 261 430 341 598 438

49,000 243 219 304 263 434 344 601 443

50,000 244 220 305 264 436 346 604 445

51,000 245 221 306 268 441 350 609 448

52,000 246 226 309 270 444 351 615 450

53,000 248 228 311 273 448 356 623 453

54,000 250 230 314 276 450 358 629 456

55,000 251 231 315 279 453 360 634 460

56,000 255 233 319 280 456 363 638 463

57,000 256 234 320 280 460 364 644 465

58,000 259 236 323 283 463 366 648 471

59,000 260 239 325 283 465 369 653 474

60,000 263 240 329 284 468 371 658 476

61,000 265 243 331 286 474 374 664 480

62,000 268 244 334 290 478 379 673 486

63,000 270 246 336 291 481 384 678 491

64,000 271 248 340 294 488 388 686 495

65,000 274 251 343 298 491 390 693 501

66,000 278 254 345 300 495 393 699 505

67,000 280 256 349 304 501 398 704 509

68,000 283 259 355 305 505 400 709 515

69,000 285 261 358 308 509 404 715 519

70,000 289 263 360 311 515 408 720 523

75,000 300 274 374 326 536 429 753 549

80,000 316 289 395 343 568 450 794 576

85,000 334 304 418 361 600 475 838 606

90,000 350 320 438 381 629 499 881 636

95,000 366 335 460 399 659 521 921 668

100,000 386 350 480 418 690 546 965 701

105,000 400 365 504 431 720 569 1,001 731

110,000 416 381 525 448 751 593 1,040 761

115,000 430 395 549 463 781 614 1,079 791

120,000 446 413 573 478 811 636 1,116 821

01/01/2003Revised

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Revised Rate



4Form 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 4 4 5 5 6 5 6 6Add'l

6,000 55 54 63 59 71 68 78 69

7,000 59 58 70 66 80 73 85 76

8,000 63 61 76 71 86 80 93 84

9,000 69 68 83 78 95 85 100 90

10,000 73 71 88 84 101 90 109 99

11,000 78 76 95 89 110 98 115 106

12,000 83 81 100 96 116 103 124 114

13,000 86 85 106 101 125 110 130 121

14,000 90 89 113 109 131 115 139 129

15,000 96 95 119 114 140 121 146 138

16,000 100 99 125 120 148 128 154 145

17,000 104 103 130 126 155 133 160 153

18,000 110 109 138 131 161 140 169 159

19,000 114 113 143 139 171 146 176 168

20,000 119 116 149 145 178 153 184 175

21,000 124 121 155 150 185 158 190 183

22,000 128 126 160 156 191 163 200 189

23,000 131 130 168 161 201 171 206 199

24,000 138 134 174 169 208 176 214 205

25,000 141 140 179 175 215 183 220 213

26,000 146 145 185 181 221 188 230 219

27,000 150 149 190 186 231 193 236 229

28,000 155 154 199 191 239 201 244 235

29,000 159 158 204 200 245 206 251 243

30,000 163 161 210 205 254 213 260 250

31,000 169 168 215 211 261 218 268 259

32,000 174 173 220 216 269 225 274 265

33,000 178 176 229 221 276 231 283 273

34,000 183 181 234 230 284 236 290 280

35,000 186 185 240 235 291 243 298 289

36,000 190 189 245 241 299 248 305 296

37,000 195 193 251 246 306 255 313 304

38,000 201 200 259 254 314 261 320 311

39,000 205 204 264 260 321 268 329 319

40,000 210 208 270 265 330 273 335 326

41,000 214 213 276 271 336 279 343 334

42,000 218 216 283 278 344 285 350 341

43,000 221 220 289 284 351 291 359 349

44,000 229 226 294 290 360 298 365 358

45,000 233 231 300 296 366 304 373 364

46,000 236 235 306 303 374 309 381 371

47,000 241 240 313 308 384 315 389 379

48,000 245 244 319 314 390 321 395 388

49,000 250 248 325 320 398 329 403 394

50,000 255 254 331 326 404 334 413 401

01/01/2003Revised

rlj

Revised Rate



1Form 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 3 3 3 5 5 5 5 5Add'l

15,000 179 176 248 198 325 239 384 291

16,000 180 178 249 201 329 241 388 296

17,000 181 179 251 203 331 245 390 298

18,000 184 180 253 204 333 246 393 300

19,000 186 181 255 205 338 249 396 304

20,000 188 184 256 206 341 251 399 308

21,000 189 186 258 209 343 253 403 310

22,000 190 188 261 210 346 255 408 314

23,000 194 189 263 215 348 258 409 315

24,000 196 190 264 216 351 261 414 318

25,000 198 193 265 219 355 263 416 320

26,000 201 194 270 220 358 264 420 324

27,000 203 196 271 221 360 270 424 326

28,000 204 198 274 223 363 271 425 329

29,000 205 201 275 224 366 274 428 331

30,000 206 203 278 228 369 275 431 334

31,000 209 204 279 229 373 278 435 340

32,000 210 205 280 230 376 279 439 341

33,000 214 206 284 233 380 283 440 345

34,000 215 209 286 235 383 284 443 346

35,000 216 210 288 236 385 286 450 349

36,000 219 214 289 238 389 288 453 351

37,000 220 215 291 239 393 290 456 356

38,000 221 215 294 244 394 291 461 358

39,000 223 216 298 245 398 296 465 360

40,000 224 219 299 246 400 298 468 363

41,000 228 220 300 248 406 299 470 366

42,000 229 221 304 249 408 304 475 369

43,000 230 223 308 251 411 305 479 371

44,000 233 224 310 253 414 310 484 375

45,000 235 228 313 255 416 313 486 380

46,000 236 229 314 256 420 314 491 381

47,000 238 230 316 258 424 315 494 384

48,000 239 233 318 263 425 318 496 385

49,000 241 235 321 264 428 320 500 389

50,000 244 236 324 265 431 321 504 390

55,000 251 245 334 275 450 331 524 408

60,000 261 253 346 284 465 345 538 423

65,000 274 265 365 298 485 360 566 440

70,000 286 279 381 315 509 380 595 463

75,000 298 289 398 326 533 394 619 483

80,000 315 308 420 346 561 418 655 509

85,000 331 324 441 363 593 439 689 535

90,000 348 340 465 381 620 463 724 564

95,000 366 356 486 399 651 485 759 593

100,000 383 371 509 418 700 508 794 618

01/01/2003Revised

rlj

Revised Rate



2Form 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 3 3 3 3 6 5 6 5Add'l

25,000 203 189 273 233 388 314 451 384

26,000 204 190 275 235 390 318 454 388

27,000 205 193 278 236 394 321 459 390

28,000 206 195 280 238 396 326 463 393

29,000 209 196 283 239 399 330 468 396

30,000 210 198 286 241 403 334 470 399

31,000 214 201 289 244 408 338 475 403

32,000 215 203 291 245 411 341 478 408

33,000 216 204 296 246 415 343 484 409

34,000 219 205 299 248 418 346 486 414

35,000 220 206 304 249 423 348 491 416

36,000 221 209 305 251 425 349 494 420

37,000 223 210 310 253 428 355 499 424

38,000 224 214 313 256 430 356 504 426

39,000 228 215 315 258 434 359 508 430

40,000 229 216 316 261 436 360 510 434

41,000 230 219 318 263 440 365 513 436

42,000 231 220 321 264 443 366 519 440

43,000 235 221 324 270 450 369 524 443

44,000 236 223 326 271 453 371 526 450

45,000 238 224 329 273 456 375 530 453

46,000 239 228 330 274 459 376 534 456

47,000 241 229 333 275 463 381 538 459

48,000 244 231 334 278 466 383 541 463

49,000 245 233 340 279 469 385 548 466

50,000 246 235 341 280 473 388 551 469

51,000 248 236 343 283 476 390 575 473

52,000 249 238 346 284 479 393 599 476

53,000 253 241 348 286 483 396 621 478

54,000 255 244 351 288 485 398 646 483

55,000 256 245 355 289 490 400 670 485

56,000 258 246 356 290 493 406 674 490

57,000 261 248 359 291 496 408 678 493

58,000 263 251 360 296 499 411 683 494

59,000 264 253 365 298 503 414 688 499

60,000 265 255 366 299 505 416 691 503

65,000 279 265 384 315 530 436 770 526

70,000 290 278 400 330 559 458 806 551

75,000 304 289 420 346 580 470 841 579

80,000 321 300 441 363 614 504 894 609

85,000 340 315 468 384 646 530 946 641

90,000 356 326 491 403 679 559 1,001 673

95,000 373 340 513 424 713 583 1,064 705

100,000 389 351 536 441 745 610 1,114 740

105,000 408 369 555 461 781 638 1,149 765

110,000 425 388 573 478 815 664 1,184 793

01/01/2003Revised

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Revised Rate



3Form 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 3 3 5 3 6 5 8 6Add'l

35,000 255 233 320 279 459 365 641 465

36,000 256 235 321 280 463 368 646 468

37,000 258 236 325 283 466 369 651 470

38,000 263 239 326 286 469 373 656 476

39,000 264 241 330 288 473 375 663 479

40,000 265 244 331 289 476 380 669 484

41,000 270 245 334 290 479 383 673 486

42,000 271 246 338 291 484 384 678 493

43,000 273 248 341 296 490 388 683 496

44,000 275 249 343 298 493 389 689 503

45,000 278 251 346 299 496 393 695 505

46,000 279 253 348 300 500 396 699 509

47,000 280 255 351 304 504 399 703 511

48,000 284 256 355 308 508 400 704 516

49,000 286 258 358 310 510 406 706 520

50,000 288 261 359 313 513 409 711 524

51,000 289 263 360 315 519 414 716 526

52,000 290 265 365 318 521 415 724 530

53,000 291 266 366 321 526 418 733 534

54,000 294 271 369 325 530 420 740 536

55,000 296 273 371 329 534 424 746 540

56,000 299 274 375 330 536 426 751 545

57,000 300 275 376 330 540 428 756 548

58,000 304 279 381 331 545 431 761 554

59,000 305 280 383 331 548 434 768 559

60,000 310 283 385 333 551 436 773 561

61,000 314 286 389 338 559 440 783 566

62,000 315 288 393 341 563 448 791 571

63,000 318 290 396 343 568 451 798 578

64,000 320 291 399 346 573 456 808 583

65,000 324 296 403 349 578 459 815 589

66,000 326 298 408 355 583 463 823 595

67,000 330 300 411 358 589 468 828 601

68,000 331 304 416 359 595 470 835 605

69,000 334 308 420 363 601 476 841 610

70,000 340 310 424 366 605 479 849 615

75,000 355 324 440 384 631 505 885 646

80,000 373 340 466 403 669 530 935 678

85,000 393 358 491 425 705 560 986 714

90,000 414 376 516 450 740 586 1,036 750

95,000 431 394 540 469 774 614 1,085 788

100,000 454 414 566 491 813 644 1,136 824

105,000 470 430 594 509 849 670 1,180 860

110,000 490 450 619 526 884 698 1,224 895

115,000 508 466 646 545 919 723 1,269 933

120,000 525 484 673 563 954 750 1,315 966

01/01/2003Revised

rlj

Revised Rate



4Form 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 4 4 6 6 8 6 8 8Add'l

6,000 65 63 76 69 84 80 91 83

7,000 69 66 83 79 93 86 99 91

8,000 76 71 90 85 100 94 109 99

9,000 80 78 96 93 110 100 118 109

10,000 84 81 105 99 120 109 126 118

11,000 88 85 111 108 128 115 136 126

12,000 93 90 120 114 138 124 145 136

13,000 96 94 126 123 146 131 153 145

14,000 100 98 135 129 154 139 161 153

15,000 106 101 141 138 164 146 173 161

16,000 110 108 149 145 174 153 180 173

17,000 114 111 155 151 181 160 189 180

18,000 120 115 164 159 190 169 198 189

19,000 124 121 173 168 200 176 206 198

20,000 128 125 179 175 208 183 216 206

21,000 133 129 186 181 218 190 225 216

22,000 138 135 194 189 228 198 234 225

23,000 141 139 201 196 235 205 243 234

24,000 146 143 208 204 244 214 250 243

25,000 150 148 216 210 253 220 261 250

26,000 154 151 224 219 263 229 270 261

27,000 159 155 231 228 271 235 278 270

28,000 164 160 238 234 279 243 288 278

29,000 169 166 245 241 289 249 296 288

30,000 174 170 253 248 298 258 304 296

31,000 178 175 261 256 305 265 315 304

32,000 181 179 269 264 316 273 324 315

33,000 186 183 275 271 325 279 331 324

34,000 190 188 284 278 333 288 340 331

35,000 195 191 290 286 343 294 349 340

36,000 200 196 298 293 351 301 359 349

37,000 204 201 304 300 360 310 368 359

38,000 208 205 314 308 369 318 376 368

39,000 214 209 320 316 379 325 385 376

40,000 218 215 328 324 386 331 394 385

41,000 221 219 334 330 395 339 404 394

42,000 228 224 343 338 406 346 413 404

43,000 231 229 349 345 414 355 421 413

44,000 235 233 358 353 423 361 429 421

45,000 239 236 365 360 431 369 439 429

46,000 244 241 373 368 440 376 448 439

47,000 248 245 380 375 450 384 456 448

48,000 253 249 386 383 458 390 466 456

49,000 258 255 394 389 468 398 475 466

50,000 263 259 403 396 476 408 483 475

01/01/2003Revised

rlj

Revised Rate



1Form 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 4 4 4 5 5 5 5 5Add'l

15,000 186 183 259 206 339 249 400 304

16,000 189 184 261 209 341 251 404 310

17,000 190 186 263 210 345 255 409 311

18,000 191 189 264 214 346 256 410 314

19,000 193 190 266 215 351 261 413 318

20,000 195 191 269 218 356 263 416 320

21,000 196 193 270 219 359 264 420 324

22,000 198 195 271 220 361 266 424 326

23,000 203 196 274 224 363 270 425 328

24,000 205 198 275 225 368 271 430 331

25,000 206 200 276 228 369 274 434 333

26,000 209 203 280 229 373 275 438 338

27,000 210 205 283 231 375 280 440 340

28,000 214 206 285 233 376 283 443 341

29,000 215 209 288 234 381 285 445 345

30,000 218 210 289 235 384 288 451 348

31,000 219 214 290 238 388 289 454 355

32,000 220 215 291 239 394 290 458 356

33,000 221 218 296 243 395 294 459 360

34,000 224 219 298 245 398 296 463 361

35,000 225 220 299 246 403 298 468 366

36,000 228 221 301 248 406 299 471 368

37,000 229 224 304 249 410 303 475 370

38,000 231 224 305 253 411 304 480 373

39,000 233 225 311 255 415 310 483 375

40,000 234 228 313 256 418 311 486 376

41,000 235 229 314 259 423 313 490 381

42,000 238 231 318 261 424 318 494 384

43,000 239 233 320 263 429 319 500 386

44,000 243 234 324 264 430 324 505 390

45,000 245 235 325 266 434 325 509 395

46,000 246 238 326 269 438 326 511 396

47,000 248 239 330 270 440 328 516 400

48,000 249 243 331 274 443 331 518 403

49,000 251 245 334 275 445 333 521 406

50,000 253 246 338 276 451 334 524 409

55,000 263 255 348 288 468 345 546 424

60,000 271 264 361 296 483 360 561 439

65,000 285 276 380 311 508 375 589 459

70,000 298 290 396 328 530 395 620 481

75,000 311 301 415 340 554 411 645 504

80,000 328 320 438 361 585 436 681 530

85,000 345 338 461 376 616 458 716 559

90,000 363 355 483 396 646 481 755 588

95,000 381 370 509 416 678 508 793 616

100,000 398 386 530 436 729 528 828 644

01/01/2003Revised

rlj

Revised Rate



2Form 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 4 4 4 4 6 5 6 5Add'l

25,000 210 196 284 243 404 326 469 400

26,000 214 198 288 245 409 331 473 404

27,000 215 200 289 246 411 334 479 409

28,000 218 204 291 248 413 340 481 410

29,000 219 205 294 249 416 344 486 413

30,000 220 206 298 251 420 348 490 416

31,000 221 209 301 253 424 351 494 420

32,000 224 210 304 255 429 356 498 424

33,000 225 214 310 256 431 359 505 425

34,000 228 215 313 259 436 361 509 430

35,000 229 218 318 261 439 363 511 434

36,000 231 219 319 263 443 366 516 438

37,000 233 220 324 264 445 369 519 440

38,000 234 221 325 269 448 370 524 444

39,000 235 224 328 270 453 374 528 448

40,000 238 225 330 271 455 375 531 453

41,000 239 228 331 274 459 380 535 455

42,000 241 229 334 275 463 381 539 459

43,000 245 231 338 280 468 384 546 463

44,000 246 233 340 283 471 386 550 468

45,000 248 234 341 284 475 390 553 471

46,000 249 235 344 285 479 394 558 475

47,000 251 238 346 288 481 396 561 479

48,000 253 241 348 289 485 398 565 481

49,000 255 243 355 290 489 403 571 485

50,000 256 245 356 291 493 404 574 489

51,000 259 246 359 294 496 409 600 493

52,000 261 248 361 296 500 410 623 496

53,000 264 251 363 298 504 413 649 498

54,000 266 253 368 299 508 415 673 504

55,000 269 255 369 301 510 418 699 508

56,000 270 256 370 303 514 423 703 510

57,000 271 259 374 304 518 424 706 514

58,000 274 263 375 310 519 429 713 516

59,000 275 264 380 311 523 430 715 519

60,000 276 266 381 313 525 434 720 523

65,000 290 276 400 328 553 455 801 550

70,000 303 289 418 344 580 476 840 574

75,000 318 301 438 361 606 490 878 604

80,000 334 314 461 376 640 524 933 634

85,000 355 328 486 400 673 553 986 668

90,000 370 340 511 420 709 580 1,043 701

95,000 388 355 535 440 743 608 1,109 736

100,000 406 368 560 461 775 635 1,160 770

105,000 424 384 579 480 813 664 1,196 798

110,000 443 404 596 498 850 693 1,234 825

01/01/2003Revised

rlj

Revised Rate



3Form 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 4 4 5 4 6 5 8 6Add'l

35,000 266 243 333 290 479 380 668 483

36,000 269 245 334 291 481 383 673 486

37,000 270 246 339 294 485 384 678 490

38,000 274 249 340 298 489 388 684 496

39,000 275 251 344 299 493 390 691 500

40,000 276 253 345 301 496 395 696 505

41,000 280 255 348 303 500 398 701 509

42,000 283 256 351 304 505 400 706 514

43,000 284 259 356 310 510 404 713 518

44,000 288 261 359 311 514 406 716 523

45,000 289 263 361 313 518 410 723 525

46,000 290 264 363 314 521 413 728 530

47,000 291 266 368 318 524 416 730 533

48,000 296 269 369 320 528 418 734 536

49,000 298 270 373 324 531 423 738 541

50,000 299 271 374 325 535 425 741 546

51,000 301 274 375 328 539 430 748 550

52,000 303 276 380 331 545 431 755 553

53,000 304 278 381 334 550 436 764 558

54,000 305 283 384 339 553 438 770 560

55,000 310 284 386 341 558 440 778 564

56,000 313 285 390 344 560 444 784 566

57,000 314 288 394 344 564 445 788 571

58,000 318 290 396 345 566 451 794 578

59,000 319 291 398 345 571 453 800 580

60,000 324 294 403 346 574 455 806 585

61,000 326 298 406 351 580 459 814 589

62,000 328 299 410 356 586 466 823 595

63,000 331 303 413 359 593 469 830 603

64,000 333 304 416 361 596 475 841 608

65,000 338 310 420 366 603 479 850 615

66,000 340 311 424 369 608 481 856 620

67,000 344 314 429 373 615 486 863 624

68,000 345 318 434 374 620 490 869 630

69,000 348 320 438 376 624 496 878 635

70,000 355 324 440 381 630 500 884 643

75,000 369 338 459 400 659 525 923 673

80,000 388 355 485 420 696 553 975 706

85,000 410 373 511 443 736 581 1,028 744

90,000 430 394 536 468 770 610 1,081 781

95,000 451 411 564 489 808 640 1,130 820

100,000 473 430 589 511 848 670 1,183 858

105,000 490 448 618 530 884 699 1,229 896

110,000 510 468 645 550 921 726 1,275 934

115,000 528 485 673 566 958 753 1,323 971

120,000 548 505 701 586 995 781 1,369 1,006

01/01/2003Revised

rlj

Revised Rate



4Form 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 4 4 6 6 8 6 8 8Add'l

6,000 65 63 76 69 84 80 91 83

7,000 69 66 83 79 93 86 99 91

8,000 76 71 90 85 100 94 109 99

9,000 80 78 96 93 110 100 118 109

10,000 84 81 105 99 120 109 126 118

11,000 88 85 111 108 128 115 136 126

12,000 93 90 120 114 138 124 145 136

13,000 96 94 126 123 146 131 153 145

14,000 100 98 135 129 154 139 161 153

15,000 106 101 141 138 164 146 173 161

16,000 110 108 149 145 174 153 180 173

17,000 114 111 155 151 181 160 189 180

18,000 120 115 164 159 190 169 198 189

19,000 124 121 173 168 200 176 206 198

20,000 128 125 179 175 208 183 216 206

21,000 133 129 186 181 218 190 225 216

22,000 138 135 194 189 228 198 234 225

23,000 141 139 201 196 235 205 243 234

24,000 146 143 208 204 244 214 250 243

25,000 150 148 216 210 253 220 261 250

26,000 154 151 224 219 263 229 270 261

27,000 159 155 231 228 271 235 278 270

28,000 164 160 238 234 279 243 288 278

29,000 169 166 245 241 289 249 296 288

30,000 174 170 253 248 298 258 304 296

31,000 178 175 261 256 305 265 315 304

32,000 181 179 269 264 316 273 324 315

33,000 186 183 275 271 325 279 331 324

34,000 190 188 284 278 333 288 340 331

35,000 195 191 290 286 343 294 349 340

36,000 200 196 298 293 351 301 359 349

37,000 204 201 304 300 360 310 368 359

38,000 208 205 314 308 369 318 376 368

39,000 214 209 320 316 379 325 385 376

40,000 218 215 328 324 386 331 394 385

41,000 221 219 334 330 395 339 404 394

42,000 228 224 343 338 406 346 413 404

43,000 231 229 349 345 414 355 421 413

44,000 235 233 358 353 423 361 429 421

45,000 239 236 365 360 431 369 439 429

46,000 244 241 373 368 440 376 448 439

47,000 248 245 380 375 450 384 456 448

48,000 253 249 386 383 458 390 466 456

49,000 258 255 394 389 468 398 475 466

50,000 263 259 403 396 476 408 483 475

01/01/2003Revised

rlj

Revised Rate



1Form 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 4 4 5 5 6 6 8 8Add'l

15,000 190 186 264 215 344 256 409 313

16,000 191 189 266 218 346 259 411 318

17,000 193 190 269 219 348 263 415 319

18,000 195 191 270 221 355 264 416 324

19,000 196 193 271 224 356 269 420 325

20,000 198 195 274 225 360 270 424 328

21,000 200 196 275 228 361 274 425 330

22,000 205 198 276 229 366 275 430 333

23,000 206 200 280 233 368 280 431 334

24,000 210 203 283 234 370 283 436 339

25,000 214 205 284 235 373 285 438 340

26,000 215 206 285 238 375 288 440 344

27,000 219 209 288 239 380 289 444 346

28,000 220 214 290 243 384 291 451 348

29,000 224 215 291 245 388 294 454 355

30,000 225 218 294 246 394 296 458 359

31,000 228 220 296 248 396 298 463 361

32,000 231 221 299 249 400 299 469 363

33,000 233 225 301 253 404 303 476 368

34,000 235 228 304 255 409 304 481 369

35,000 238 231 305 256 411 305 486 373

36,000 239 233 310 259 415 310 493 375

37,000 245 234 311 261 418 313 498 381

38,000 246 238 311 263 423 314 508 384

39,000 249 239 313 264 425 319 511 390

40,000 251 243 314 266 430 320 518 395

41,000 253 245 319 269 434 324 524 398

42,000 256 246 324 270 438 326 531 404

43,000 259 249 325 274 440 328 539 409

44,000 263 251 328 275 444 331 548 413

45,000 264 253 331 276 448 333 554 416

46,000 269 255 334 280 454 334 561 420

47,000 271 256 339 283 459 338 568 424

48,000 276 261 344 285 468 340 578 429

49,000 283 263 346 288 473 341 585 431

50,000 285 264 351 289 479 344 593 436

55,000 304 275 373 298 508 360 629 458

60,000 326 288 394 334 531 374 665 480

65,000 345 296 413 359 561 395 703 504

70,000 368 304 434 373 595 413 741 524

75,000 386 314 455 386 618 430 778 548

80,000 409 326 479 403 640 454 814 585

85,000 429 340 500 416 663 476 851 606

90,000 448 360 524 431 684 500 890 629

95,000 469 376 550 445 706 524 926 656

100,000 489 396 573 461 748 548 963 679

01/01/2003Revised

rlj

Revised Rate



2Form 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 10 5 11 5 10 8 11 8Add'l

25,000 228 220 290 283 416 339 483 415

26,000 231 221 291 284 420 341 486 418

27,000 234 224 294 288 424 344 490 423

28,000 239 225 298 289 425 346 494 425

29,000 245 228 299 291 430 348 498 430

30,000 248 229 301 294 434 355 504 434

31,000 251 231 304 296 438 359 521 438

32,000 255 233 311 299 440 360 536 440

33,000 261 234 314 301 444 363 558 443

34,000 264 235 320 304 448 366 573 445

35,000 269 238 325 305 453 369 593 451

36,000 271 239 330 311 458 373 606 454

37,000 276 243 334 313 466 375 621 458

38,000 283 246 339 318 471 380 635 459

39,000 288 248 344 319 479 383 651 463

40,000 290 249 348 324 483 386 665 468

41,000 294 251 356 326 486 395 673 471

42,000 299 253 361 331 490 404 678 475

43,000 303 255 366 334 496 411 686 476

44,000 310 256 370 340 500 420 693 480

45,000 313 259 375 344 505 429 700 483

46,000 318 264 381 345 516 438 705 486

47,000 324 270 386 348 525 444 710 493

48,000 326 275 390 351 536 454 716 496

49,000 331 283 396 356 550 461 723 504

50,000 334 288 403 359 560 471 729 508

51,000 339 289 406 360 564 475 738 516

52,000 344 290 411 363 566 479 744 525

53,000 346 291 415 366 573 481 751 535

54,000 355 294 420 369 578 485 758 548

55,000 359 296 424 370 580 489 766 558

56,000 361 298 430 373 593 498 781 560

57,000 368 299 436 375 604 509 795 564

58,000 370 303 439 376 616 518 811 566

59,000 375 304 444 381 629 525 825 571

60,000 380 305 451 383 640 535 841 574

65,000 403 324 476 403 671 594 915 640

70,000 406 359 504 420 703 621 990 670

75,000 429 374 528 439 736 681 1,045 700

80,000 451 395 554 463 825 720 1,101 739

85,000 476 415 580 486 868 759 1,155 821

90,000 498 454 606 514 911 798 1,213 906

95,000 521 458 631 536 956 838 1,268 953

100,000 545 479 659 561 1,000 919 1,335 998

105,000 600 508 723 589 1,055 956 1,401 1,034

110,000 656 533 788 618 1,113 993 1,465 1,071

01/01/2003Revised

rlj

Revised Rate



3Form 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1,000 6 5 6 5 10 8 11 10Add'l

35,000 301 271 338 334 489 416 693 500

36,000 304 276 341 338 493 420 699 505

37,000 311 283 345 340 496 423 703 509

38,000 314 288 351 341 504 425 709 514

39,000 320 290 356 345 508 429 714 518

40,000 325 296 361 346 510 431 719 521

41,000 328 298 368 348 521 436 726 524

42,000 333 299 370 355 531 439 729 528

43,000 338 303 375 356 546 443 736 533

44,000 341 304 380 360 558 445 739 536

45,000 345 305 384 361 566 451 744 541

46,000 348 310 390 366 571 454 751 546

47,000 356 313 396 368 578 458 758 551

48,000 360 314 404 370 580 459 765 554

49,000 366 319 410 373 586 463 771 560

50,000 369 320 415 375 589 468 780 564

51,000 373 324 420 376 594 476 794 574

52,000 376 325 425 381 600 485 809 586

53,000 381 328 434 383 603 496 825 596

54,000 386 330 439 386 608 508 841 608

55,000 390 331 444 388 610 516 855 620

56,000 395 338 451 390 616 531 861 623

57,000 400 341 455 395 620 548 865 629

58,000 404 348 463 396 624 564 876 631

59,000 410 356 469 400 629 579 880 638

60,000 413 361 475 403 631 595 885 643

61,000 416 366 480 406 646 601 904 656

62,000 423 369 485 410 663 606 923 670

63,000 425 373 493 415 676 610 940 681

64,000 431 375 498 418 693 618 960 699

65,000 436 380 505 423 706 623 978 710

66,000 439 383 511 425 714 634 989 726

67,000 444 386 519 430 719 644 998 741

68,000 448 390 524 436 728 656 1,006 753

69,000 454 395 531 439 734 664 1,018 769

70,000 458 398 539 443 741 674 1,028 784

75,000 480 439 574 461 773 716 1,070 819

80,000 504 463 609 486 865 758 1,131 864

85,000 524 486 646 514 913 800 1,191 908

90,000 548 514 684 539 961 841 1,254 956

95,000 568 536 720 565 1,005 883 1,311 1,003

100,000 593 561 758 593 1,053 921 1,403 1,048

105,000 629 589 795 620 1,109 966 1,466 1,104

110,000 665 618 834 646 1,164 1,013 1,530 1,160

115,000 703 645 869 674 1,220 1,060 1,598 1,218

120,000 741 673 906 703 1,275 1,105 1,663 1,273

01/01/2003Revised

rlj

Revised Rate

Coverage Amount


1Territory


Protection Class 8

Protection Class 9

Protection Class 10

3Form No

15,000 215 279 406 558

16,000 217 282 408 566

17,000 221 284 413 570

18,000 222 289 417 575

19,000 227 291 422 580

20,000 228 293 424 583

21,000 230 297 427 590

22,000 232 299 431 597

23,000 235 301 437 601

24,000 237 302 439 607

25,000 238 307 444 611

26,000 242 309 447 615

27,000 245 311 450 620

28,000 246 315 452 629

29,000 248 316 457 635

30,000 250 321 460 638

31,000 255 323 463 643

32,000 256 325 467 649

33,000 261 328 469 653

34,000 262 331 475 662

35,000 265 332 477 667

36,000 266 335 480 670

37,000 270 337 483 675

38,000 271 340 490 681

39,000 275 343 492 685

40,000 276 345 495 695

41,000 278 347 499 698

42,000 281 350 505 704

43,000 282 354 508 708

44,000 288 358 512 714

45,000 289 360 514 721

46,000 291 362 519 726

47,000 292 363 522 729

48,000 294 367 527 731

49,000 297 369 531 735

50,000 299 373 536 738

55,000 308 386 553 774

60,000 321 403 573 802

65,000 335 420 600 846

70,000 352 439 629 881

75,000 367 459 653 919

80,000 389 483 695 971

85,000 407 511 733 1,021

90,000 427 537 767 1,076

95,000 449 562 803 1,126

100,000 469 585 844 1,180

10/01/2003Revised

rlj

Revised Rate

Coverage Amount


2Territory


Protection Class 8

Protection Class 9

Protection Class 10

3Form No

15,000 222 287 419 576

16,000 224 291 423 582

17,000 229 294 425 586

18,000 230 298 429 592

19,000 233 299 434 597

20,000 234 302 438 601

21,000 237 304 441 608

22,000 239 308 443 614

23,000 241 311 451 619

24,000 244 312 454 625

25,000 246 316 456 629

26,000 248 319 459 633

27,000 252 320 462 640

28,000 254 325 467 647

29,000 256 326 471 654

30,000 257 330 473 658

31,000 263 332 476 662

32,000 265 334 482 667

33,000 268 337 485 673

34,000 269 341 488 681

35,000 272 342 490 686

36,000 273 345 494 690

37,000 277 347 498 696

38,000 280 351 503 702

39,000 283 352 506 706

40,000 285 356 510 714

41,000 286 359 515 719

42,000 289 360 519 725

43,000 291 365 523 729

44,000 296 367 528 737

45,000 298 371 530 741

46,000 299 373 533 748

47,000 300 374 538 751

48,000 303 377 543 754

49,000 304 381 547 757

50,000 308 384 551 759

55,000 317 397 569 798

60,000 330 413 590 827

65,000 345 430 618 871

70,000 361 454 647 906

75,000 377 472 673 946

80,000 399 498 714 1,000

85,000 420 525 755 1,053

90,000 441 553 789 1,110

95,000 460 580 828 1,160

100,000 485 603 868 1,214

10/01/2003Revised

rlj

Revised Rate

Coverage Amount


3Territory


Protection Class 8

Protection Class 9

Protection Class 10

3Form No

15,000 231 300 438 602

16,000 233 304 441 610

17,000 239 306 445 614

18,000 241 311 449 618

19,000 243 313 454 624

20,000 244 316 458 628

21,000 247 319 460 634

22,000 251 320 463 642

23,000 252 325 471 647

24,000 255 326 473 654

25,000 256 330 477 658

26,000 260 333 481 662

27,000 263 337 484 668

28,000 265 339 486 677

29,000 268 341 491 683

30,000 270 346 495 688

31,000 274 347 498 692

32,000 276 351 503 698

33,000 281 352 506 703

34,000 282 355 511 712

35,000 285 358 514 716

36,000 286 360 516 723

37,000 289 363 519 727

38,000 291 367 527 733

39,000 296 369 529 738

40,000 298 372 533 746

41,000 299 374 538 753

42,000 303 376 543 758

43,000 304 382 546 763

44,000 309 384 551 770

45,000 311 386 555 775

46,000 313 390 558 781

47,000 315 391 562 785

48,000 317 395 568 788

49,000 319 398 572 790

50,000 320 402 576 794

55,000 332 415 595 833

60,000 346 432 616 863

65,000 360 451 646 911

70,000 380 473 677 946

75,000 395 494 703 989

80,000 417 519 746 1,044

85,000 439 549 789 1,100

90,000 460 577 826 1,160

95,000 482 605 866 1,213

100,000 506 632 909 1,270

10/01/2003Revised

rlj

Revised Rate

Coverage Amount


4Territory


Protection Class 8

Protection Class 9

Protection Class 10

3Form No

15,000 242 315 456 628

16,000 243 317 460 634

17,000 248 319 463 641

18,000 251 325 469 645

19,000 255 326 473 651

20,000 256 329 477 655

21,000 257 333 481 662

22,000 260 334 484 670

23,000 263 338 490 676

24,000 267 341 495 681

25,000 268 345 498 686

26,000 272 348 501 692

27,000 274 351 504 697

28,000 276 354 508 706

29,000 281 355 514 712

30,000 282 360 516 718

31,000 286 361 520 723

32,000 289 367 525 728

33,000 291 368 529 735

34,000 294 371 532 744

35,000 298 372 534 748

36,000 299 376 540 754

37,000 302 380 542 758

38,000 303 384 549 766

39,000 309 385 553 771

40,000 311 387 556 780

41,000 312 391 560 784

42,000 316 394 567 790

43,000 317 398 569 797

44,000 324 400 575 803

45,000 325 403 577 809

46,000 326 406 582 815

47,000 328 410 586 818

48,000 332 412 592 823

49,000 333 415 598 826

50,000 334 419 601 829

55,000 346 432 620 870

60,000 360 452 644 901

65,000 376 471 675 952

70,000 395 495 706 988

75,000 412 515 735 1,032

80,000 437 542 780 1,089

85,000 458 573 824 1,148

90,000 481 602 861 1,210

95,000 503 632 902 1,264

100,000 529 659 946 1,325

10/01/2003Revised

rlj

Revised Rate

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