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United Property & Casualty Insurance Company NEW JERSEY HOMEOWNERS MANUAL

UPC NJ HO Manual HO-1 Ed. 06/08/14

United Property & Casualty

Insurance Company

HOMEOWNERS PROGRAM MANUAL

NEW JERSEY

Effective 06/08/2014

UNITED INSURANCE MANAGEMENT, LC

Managing General Agent

Table of Contents



Company Rules

A1. Special State Requirements ....................................................................................................... HO-A1-1 A2. Safe Home Credit ....................................................................................................................... HO-A2-1 A3. 50 Plus Discount ......................................................................................................................... HO-A3-1 A4. New Home Discount ................................................................................................................... HO-A4-1 A5. Renewal Discount ....................................................................................................................... HO-A5-1 A6. Loss Free Credit ......................................................................................................................... HO-A6-1 A7. Account Credit ............................................................................................................................ HO-A7-1 A8. Water Loss Prevention Credit ..................................................................................................... HO-A8-1 A9. Identity Theft Expense And Resolution Services Coverage ....................................................... HO-A9-1 A10. Equipment Breakdown Coverage ............................................................................................. HO-A10-1 A11. Evacuation Coverage ................................................................................................................ HO-A11-1 A12. Ultra Endorsement Forms HO 00 03 & HO 00 05 .................................................................... HO-A12-1 A13. Premier Endorsement – Forms HO 00 03 & HO 00 05 ............................................................ HO-A13-1 A14. Protector Endorsement – Forms HO 00 03 & HO 00 05 .......................................................... HO-A14-1 A15. Premium Protective Condominium Endorsement - HO 00 06 Only ......................................... HO-A15-1 A16. Workers Compensation Coverage ............................................................................................ HO-A16-1 A17. Maximum Credit Rule ............................................................................................................... HO-A17-1 A18. Payment Plans……………………………………………………………………………………..…HO-A18-1 Part I – Coverage And Definition Type Rules

100. Introduction ............................................................................................................................... HO-100-1 101. Limits of Liability And Coverage Relationships ......................................................................... HO-101-1 102. Description of Coverage ........................................................................................................... HO-102-1 103. Mandatory Coverages ............................................................................................................... HO-103-1 104. Eligibility .................................................................................................................................... HO-104-1 105. Secondary Residence Premises ............................................................................................... HO-105-1 106. Protection Classification Information ........................................................................................ HO-106-1 107. Construction Definitions ............................................................................................................ HO-107-1 108. Seasonal Dwelling Definition .................................................................................................... HO-108-1 109. Single and Separate Building Definition ................................................................................... HO-109-1 110. Reserved for Future Use ........................................................................................................... HO-110-1 Part II – Servicing Type Rules

201. Policy Period ............................................................................................................................. HO-201-1 202. Changes or Cancellations ......................................................................................................... HO-202-1 203. Manual Premium Revision ........................................................................................................ HO-203-1 204. Multiple Company Insurance .................................................................................................... HO-204-1 205. Minimum Premium .................................................................................................................... HO-205-1 206. Transfer or Assignment ............................................................................................................. HO-206-1 207. Waiver of Premium ................................................................................................................... HO-207-1 208. Whole Dollar Premium Rule...................................................................................................... HO-208-1 209. Restriction of Individuals Policies ............................................................................................. HO-209-1 210. Refer to Company ..................................................................................................................... HO-210-1 211. Additional Interest ..................................................................................................................... HO-211-1 212. Reserved for Future Use ........................................................................................................... HO-212-1 Part III – Base Premium Computation

301. Base Premium Computation ..................................................................................................... HO-301-1 302. Loss Settlement Options ........................................................................................................... HO-302-1 303. Ordinance or Law Coverage ..................................................................................................... HO-303-1 304. Special Personal Property Coverage HO 00 04 And HO 00 06 ............................................... HO-304-1 305. Loss History Rating Plan........................................................................................................... HO-305-1 306. Reserved for Future Use ........................................................................................................... HO-306-1 Part IV – Adjusted Base Premium Computation Rules

401. Superior Construction ............................................................................................................... HO-401-1



402. Townhouse or Row House – All Forms Except HO 00 04 and HO 00 06 ................................ HO-402-1 403. Personal Property (Coverage C) Replacement Cost Loss Settlement ..................................... HO-403-1 404. Protective Devices .................................................................................................................... HO-404-1 405. Inflation Guard – All Forms Except HO 00 04 and HO 00 06 ................................................... HO-405-1 406. Deductibles ............................................................................................................................... HO-406-1 407. Additional Amounts of Insurance .............................................................................................. HO-407-1 408. Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing .................. HO-408-1 409. Replacement Cost Loss Settlement for Certain Non-Building Structures ................................ HO-409-1 410. Building Code Effectiveness Grading .………………………… ……………………… ……..…..HO-410-1 411. Reserved for Future Use ........................................................................................................... HO-411-1 Part V – Section I – Property – Additional Coverages and Increased Limits Rules

501. Building Additions and Alterations at Other Residences .......................................................... HO-501-1 502. Building Additions and Alterations – Increased Limits – HO 00 04 .......................................... HO-502-1 503. Business Property – Increased Limits ...................................................................................... HO-503-1 504. Credit Card, Fund Transfer Card, Forgery and Counterfeit Money .......................................... HO-504-1 505. Earthquake Coverage ............................................................................................................... HO-505-1 506. Fire Department Service Charge ....... …………………………………………………..………….HO-506-1 507. Form HO 00 06 – Coverage A Dwelling Basic and Increased Limits and Special Coverage .. HO-507-1 508. Form HO 00 06 – Units Regularly Rented to Others ................................................................ HO-508-1 509. Home Day Care Coverage........................................................................................................ HO-509-1 510. Permitted Incidental Occupancies Residence Premises .......................................................... HO-510-1 511. Supplemental Loss Assessment Coverage .............................................................................. HO-511-1 512. Loss of Use – Increased Limit .................................................................................................. HO-512-1 513. Ordinance or Law Increased Amount of Coverage – HO 00 04 and HO 00 06 ....................... HO-513-1 514. Other Structures ........................................................................................................................ HO-514-1 515. Personal Property ..................................................................................................................... HO-515-1 516. Personal Property - Scheduled ................................................................................................. HO-516-1 517. Rental to Others – Extended Theft Coverage........................................................................... HO-517-1 518. Sinkhole Collapse Coverage..................................................................................................... HO-518-1 519. Special Computer Coverage ..................................................................................................... HO-519-1 520. Livestock Collision Coverage .................................................................................................... HO-520-1 521. Limited Water Back-Up and Sump Discharge or Overflow Coverage ...................................... HO-521-1 522. Landlords Furnishings ............................................................................................................... HO-522-1 523. Assisted Living Care Coverage ................................................................................................ HO-523-1 524. Other Members of a Named Insured’s Household ................................................................... HO-524-1 525. Motorized Golf Cart – Physical Loss Coverage ........................................................................ HO-525-1 526. Residence Held in Trust ............................................................................................................ HO-526-1 527. Student Away from Home ......................................................................................................... HO-527-1 528. Home Business Insurance Coverage ....................................................................................... HO-528-1 529. Limited Fungi, Wet Or Dry Rot Or Bacteria Coverage .............................................................. HO-529-1 530. Identity Fraud Expense Coverage ............................................................................................ HO-530-1 531. Limited Coverage For Theft On Personal Property Located in a Dwelling Under ConstructionHO-531-1 532. Reserved For Future Use ......................................................................................................... HO-532-1 Part VI – Section II – Additional Coverages and Increased Limits Rule

601. Residence Premises – Basic and Increased Limits / Other Exposures – Basic Limits ............ HO-601-1 602. Other Insured Location Occupied By Insured ........................................................................... HO-602-1 603. Residence Employees .............................................................................................................. HO-603-1 604. Additional Residences Rented to Others .................................................................................. HO-604-1 605. Other Structures Rented to Others – Residence Premises ...................................................... HO-605-1 606. Computer-Related Damage or Injury Exclusion and Coverage Options .................................. HO-606-1 607. Home Day Care Coverage........................................................................................................ HO-607-1 608. Permitted Incidental Occupancies – Residence Premises and Other Residences .................. HO-608-1 609. Business Pursuits ..................................................................................................................... HO-609-1 610. Personal Injury .......................................................................................................................... HO-610-1 611. Incidental Low Power Recreational Motor Vehicle ................................................................... HO-611-1 612. Outboard Motors and Watercraft .............................................................................................. HO-612-1



613. Owned Snowmobile………….. ………………………………………………………………………HO-613-1 614. Farmers Personal Liability ........................................................................................................ HO-614-1 615. Incidental Farming Personal Liability ........................................................................................ HO-615-1 616. Optional Property Remediation for Escaped Liquid Fuel and Limited Lead and Escaped

Liquid Fuel Liability Coverages ................................................................................................. HO-616-1 617. Canine Liability Exclusion ......................................................................................................... HO-617-1 618. Reserved for Future Use ........................................................................................................... HO-618-1 Part VII – Section II – Liability – Other Exposures Increased Limits

701. Other Exposures – Personal Liability Increased or Reduced Limits ........................................ HO-701-1 702. Other Exposures - Medical Payments to Others Increased Limits ........................................... HO-702-1 Territory Definitions and Reference Table ................................................................................................. HO-T-1

Tiers Key Premiums HO 00 03 & HO 00 05 Key Premiums HO 00 04 Key Premiums HO 00 06 Rating Factors to the Territory Premium


UPC NJ HO Manual HO-A1-1 Ed. 06/08/14

RULE A1. SPECIAL STATE REQUIREMENTS

A. Special Provisions Endorsement HO 01 29

Use this endorsement with all Homeowners policies. B. Workers’ Compensation Coverage – Domestic Servants Or Household Employees

Workers’ Compensation Coverage is mandatory under New Jersey Statutes. All policies that provide liability coverage must also provide Workers’ Compensation Coverage for domestic servants or household employees.

Attach to all Homeowners policies, New Jersey Workers’ Compensation and Employers Liability Coverage For Residence Employees Endorsement: 1. HO 24 92 when the limit of liability is $100,000; or 2. HO 24 94 when the limit of liability is $500,000.

For detailed information, refer to the Workmen’s Compensation Manual or company instructions. C. New Jersey Fraud Statement IL N 072

Use this endorsement with all Homeowners policies. D. U.S. Treasury Department’s Office of Foreign Assests Control (“OFAC”) Advisory Notice to Policyholders IL P 001

Use this endorsement with all Homeowners policies. E. Privacy Notice UPC 424

Use this endorsement with all Homeowners policies. F. Duties After Loss UPC HO 184

Use this endorsement with all Homeowners policies. G. Total Pollution Exclusion Endorsement UPC HO 220

Use this endorsement with all Homeowners policies. H. Evacuation Coverage UPC 174

Use this endorsement with all Homeowners policies. I. Limited Home Day Care Coverage Advisory Notice to Policyholders HO P 004

Use this endorsement with all Homeowners policies. J. Insurance Score Notice UPC 430

Use this endorsement with all Homeowners policies K. Recreational Or Service Vehicle Exclusion Endorsement UPC 601

Use this endorsement with all Homeowners policies. L. Rating Information For Property Remediation for Escaped Liquid Fuel and Limited Lead and Escaped Liquid

Fuel Liability Notice HO P 005 Use this endorsement with all Homeowners policies. M. Flood Exclusion UPC 432

Use this endorsement with all Homeowners policies. N. Availability of Earthquake Coverage UPC 433

Use this endorsement with all Homeowners policies.



RULE A2. SAFE HOME CREDIT – FORMS HO 00 03 & HO 00 05 ONLY

The policyholder is eligible if the premise has none of the following exposures:

1. A swimming pool 2. A wood stove, a pellet stove, or a fireplace insert 3. Any dogs 4. No person has smoked cigars or cigarettes for six (6) months or longer.

A 15% Safe Home Credit is applied to the Base Premium. The credit shall not be applied midterm. The Safe Home Credit criteria must be indicated on the application for this discount to be applied.



RULE A3. 50 PLUS DISCOUNT The policyholder is eligible if the following criteria are met:

1. One of the named insureds is age 50 or older and is not employed more than 20 hours a week outside of the residence premises.

2. The residence premise is the principal residence of the named insured. 3. The discount applies to Forms HO 00 03, HO 00 04, HO 00 05 and HO 00 06.

If a policy holder is eligible, a 15% discount is applied to the Base Premium. The credit shall not be applied midterm.



RULE A4. NEW HOME DISCOUNT The policyholder is eligible if:

A. The policy is written on a home 20 years old or less. B. The policy form is an HO 00 03 or HO 00 05.

The insurance producer must be satisfied as to the age of the dwelling. The application or declaration page must reflect the correct year of construction. The discount applicable to the Base Premium is as follows: Age of Dwelling Discount

0 – 10 years 15% 11 – 20 years 10%



RULE A5. RENEWAL DISCOUNT A 10% discount of the Base Premium is to be applied to all policies by the Company as eligible for renewal in UPC. All

Homeowner Forms [HO 00 03, HO 00 04, HO 00 05 & HO 00 06] are eligible.

The Declarations page will reflect that this discount has been applied.



A6. LOSS FREE CREDIT

The policyholder is eligible for the following credits, as applicable:

1. 20% credit if there have been no property losses paid within the last 3 years.

2. 10% credit if 1 property loss has been paid within the last 3 years.

3. No credit is to be applied if the policyholder has had any liability losses or more than 1 property loss within the last

3 years. Loss history must be completed in full on the application and in our system for this discount to apply. All Homeowner Form [HO 00 03, HO 00 04, HO 00 05 & HO 00 06] are eligible. Up to 2 paid Property Losses less than $1,500, within the prior 3 years, will not be considered a loss.



RULE A7. ACCOUNT CREDIT A 5% credit will be applied to the Total Policy Premium if the agent controls the Insured’s auto policy in the agency or if the

agents writes a UPC Flood policy for the Insured. A maximum credit of 5% will be given even if both the auto and UPC flood policies are written through the agency. This credit cannot be applied mid-term.



A8. Water Loss Prevention Credit

A. A credit is available to insureds who can certify that the plumbing system in the insured dwelling has

been updated or checked for soundness and lack of defects. All appliances connected thereto, and the attachments between the plumbing system and the appliances, must also be checked for soundness and lack of defects.

B. This certification shall consist of invoices detailing all plumbing work performed by a licensed plumber,

or a statement from a licensed plumber that all items in A. above have been checked and are sound, in good working order, tight with no leaks, and free of defects. The plumber’s license number must be clearly shown on all invoices and/or statements.

C. This credit will apply automatically to all new homes completed in the same calendar year as the initial

effective date of the policy. In this case the plumber’s certification is waived.

D. This credit will expire after three successive policy terms unless a new certification pertaining to the continued soundness of the plumbing system is provided to the Company.

E. To develop the premium credit, multiply the Base Premium by a factor of .05.



A9. Identity Theft Expense And Resolution Services Coverage [All Forms]

Identity Theft Expense and Resolution Services Coverage is available to provide first party coverage for expenses incurred by an insured as a direct result of any identity theft occurrence first discovered or learned of during the policy period. This endorsement provides up to $25,000 coverage for: A. Costs for notarizing affidavits or similar documents attesting to fraud; B. Costs for certified mail to law enforcement agencies, credit agencies, financial institutions, etc.;

C. Lost income, up to a maximum of $1,000 per week/$5,000 total, resulting from time taken off work to

complete fraud affidavits, meet with law enforcement agencies, credit agencies, and/or legal counsel;

D. Loan application fees for re-applying for loans when the original application is rejected because the lender received incorrect credit information;

E. Attorney fees incurred to defend lawsuits brought against the insured by merchants, financial

institutions or their collection agencies; remove any criminal or civil judgments wronly entered against an insured; and challenge the accuracy or completeness of any information in a consumer credit report;

F. Charges incurred for long distance telephone calls to merchants, law enforcement agencies, financial

institutions or similar credit grantors, or credit agencies to report or discuss an actual identity fraud.

G. Premium per policy: Included Use Endorsement UPC 186 – Identity Theft Expense and Resolution Services Coverage.



A10. Equipment Breakdown Coverage – HO 00 03, HO 00 05 & HO 00 06

A. The Equipment Breakdown Coverage Endorsement provides equipment breakdown insurance to cover

equipment attached to and made part of the dwelling or other structure when perils for such equipment would have been excluded under the Homeowners policy.

B. Any risk eligible for and carrying a Homeowners policy is eligible for Equipment Breakdown coverage.

C. This coverage will be written as a separate endorsement as part of a Homeowners Policy.

D. The premium charge is per policy and based on the stated Homeowners Coverage A Building Value.

E. Rate per Policy:

Coverage A Value: $1,000,000 or less

Rate Per Policy: Included

Use Endorsement UPC 196 – Equipment Breakdown Coverage Endorsement.



A11. Evacuation Coverage

Coverage is automatically provided at no charge under the homeowners program if a mandatory evacuation is ordered by a civil authority, as follows: A. If a mandatory evacuation from the Described Location is ordered in anticipation of impending potential

damage from a Tropical Storm or Hurricane, we will cover costs (such as hotel and food costs) incurred by the Insured during the period of evacuation.

B. We will also cover expenses incurred by the Insured for labor costs if the Insured pays to have storm

shutters or plywood installed on the openings of the Described Location.

C. Direct damage to the Described Location need not occur in order for this coverage to be activated.

D. This coverage is additional insurance.

E. The policy deductible does not apply to this coverage.

F. Recovery for loss under this coverage is limited to a maximum of $250.

Use Endorsement UPC 174 – Evacuation Coverage.



A12. Ultra Endorsement – Forms HO 00 03 and HO 00 05

A. For an additional charge the Ultra Endorsement may be added to an HO 00 03 or an HO 00 05 policy. B. Coverages contained in this endorsement are:

Personal Property (Coverage C) Replacement Cost Coverage Increased Coverage C to 75% of Coverage A Coverage D extended for one week when untenantability occurs due to civil authority or power

interruption Special Computer Coverage – $20,000 per occurrence Refrigerated Products – loss due to power failure: $500 per occurrence Backup of Sewers, Drains or Sumps – $5,000 per occurrence (a $250 deductible applies) Lock Replacement when keys are lost or stolen – up to $500 per occurrence Additional coverage amounts: - Money increased from $ 200 to $ 500 - Securities increased from $1,000 to $ 2,000 - Credit Cards, Fund Transfer Cards, Forgery increased from $ 500 to $ 5,000 - Jewelry, Watches & Furs (including misplacing increased from $1,000 to $10,000* or losing of jewelry - $2,500 maximum per article) - Electronic Apparatus in a Motor Vehicle increased from $1,000 to $ 5,000 - Silverware, Goldware & Pewterware increased from $2,500 to $ 5,000 - Business Property On premises increased from $2,500 to $10,000 Off premises increased from $ 250 to $ 1,000 - Loss Assessment increased from $1,000 to $10,000 Personal Liability – increased to $500,000 Medical Payments to Others – increased to $5,000 for each person Personal Injury Liability Property Damage to property of others increased from $500 to $1,000 Tree Debris Removal (covered structure damage or no damage $2,000 ($500/tree)

to covered structure but blocked driveway/handicap ramp; and when caused by weight of ice, snow or sleet, or wind or hail.

Extended Theft Coverage for Residence Premises Occasionally Rented to Others. * Including misplacing or losing of jewelry - $2,500 maximum per article.

C. To develop the premium for this option, multiply the Base Premium by the appropriate factor found in the table at the end of this manual. Use Endorsement UPC 419 NJ – Ultra Endorsement.



A13. Premier Endorsement – Forms HO 00 03 and HO 00 05

A. For an additional charge the Premier Endorsement may be added to an HO 00 03 or an HO 00 05

policy. B. Coverages contained in this endorsement are:

Personal Property (Coverage C) Replacement Cost Coverage Coverage D extended for one week when untenantability occurs due to civil authority or power

interruption Special Computer Coverage – $5,000 per occurrence Refrigerated Products – loss due to power failure: $500 per occurrence Backup of Sewers, Drains or Sumps – $5,000 per occurrence (a $250 deductible applies) Lock Replacement when keys are lost or stolen – up to $500 per occurrence Additional coverage amounts: Money increased from $ 200 to $ 500 Securities increased from $1,000 to $ 2,000 Credit Cards, Fund Transfer Cards, Forgery increased from $ 500 to $ 5,000 Jewelry, Watches & Furs increased from $1,000 to $ 5,000 Electronic Apparatus in a Motor Vehicle increased from $1,000 to $ 5,000 Silverware, Goldware & Pewterware increased from $2,500 to $ 5,000 Business Property On premises increased from $2,500 to $ 5,000 Off premises increased from $ 250 to $ 500 Loss Assessment increased from $1,000 to $ 3,000 Personal Liability – increased to $500,000 Medical Payments to Others – increased to $5,000 for each person Personal Injury Liability Property Damage to property of others increased from $500 to $1,000 Extended Theft Coverage for Residence Premises Occasionally Rented to Others.

C. To develop the premium for this option, multiply the Base Premium by the appropriate factor found in the table at the end of this manual. Use Endorsement UPC 420 NJ – Premier Endorsement.



A14. Protector Endorsement – Forms HO 00 03 and HO 00 05

A. For a credit the Protector Endorsement may be added to an HO 00 03 or an HO 00 05 policy. B. Coverages contained in this endorsement are:

Personal Property (Coverage C) Actual Cash Value Decreased Coverage B to 2% of Coverage A Decreased Coverage C to 25% of Coverage A

C. Coverages removed from the policy are: Equipment Breakdown Coverage Identity Theft Expense and Resolution Services Coverage

D. To develop the premium for this option, multiply the Base Premium by the appropriate factor found in the table at the end of this manual. Use Endorsement UPC 422 – Protector Endorsement.



A15. Premier Protective Condominium Endorsement – HO 00 06 Only

A. For an additional charge the Premier Protective Condominium Endorsement may be added to an HO 00 06 policy.

B. Coverages contained in this endorsement are:

Personal Property (Coverage C) Replacement Cost Coverage Coverage D extended for one week when untenanability occurs due to civil authority or power

interruption Special Computer Coverage – $5,000 per occurrence Refrigerated Products – loss due to power failure: $500 per occurrence Lock Replacement when keys are lost or stolen – up to $500 per occurrence Additional coverage amounts: Money increased from $ 200 to $ 500 Securities increased from $1,000 to $ 2,000 Credit Cards, Fund Transfer Cards, Forgery increased from $ 500 to $ 5,000 Jewelry, Watches & Furs increased from $1,000 to $ 5,000 Electronic Apparatus in a Motor Vehicle increased from $1,000 to $ 5,000 Silverware, Goldware & Pewterware increased from $2,500 to $ 5,000 Business Property On premises increased from $2,500 to $10,000 Off premises increased from $ 250 to $ 1,000 Loss Assessment increased from $1,000 to $10,000 Medical Payments to Others – increased by $1,000 for each person Personal Injury Liability Property Damage to property of others increased from $500 to $1,000

C. To develop the premium for this option, multiply the Base Premium by a factor of 1.25. Use Endorsement UPC 426 – Premier Protective Condominium Endorsement.



A16. Workers Compensation Coverage Workers Compensation Coverage is mandatory under New Jersey statutes. All policies that have liability coverage must also provide Workers Compensation Coverage for domestic servants or household employees. The following definitions and charges will apply: Inservants – All employees engaged exclusively in household or domestic service whose principal duties are performed inside

the residence. Outservants – All employees engaged exclusively in household or domestic service whose duties are performed principally outside the residence for non-commercial purposes.

Code Classification Description Annual Charge

0910 Occasional Servants Including drivers (Employed less than 40 hrs per week) $100,000/$500,000 – Use Endorsement HO 24 92 $1.00/Policy

$500,000/$500,000 – Use Endorsement HO 24 94 $3.00/Policy

0912 Full Time Outservants including drivers

Private Residence

$100,000/$500,000 – Use Endorsement HO 24 92 $59.00/Person


0913 Full time Inservants including drivers

Private Residence or Estates+



0915 Full time Outservants including drivers

Private Estates+



+ For the purpose of this classification the term estate shall mean “a private residence which occupies a tract of land exceeding

five acres and in connection with which more than five full time servants are employed”.



A17. Maximum Credit Rule

The maximum credit that may be applied to any policy cannot exceed 45%. This maximum applies to discounts provided in Rules A2, A3, A4, A5, A8, 401, and 404. If the sum of those credits exceeds 45% an adjustment will be made to lower the amount to equal 45%. Rule A2. Safe Home Credit Rule A3. 50 Plus Discount Rule A4. New Home Credit Rule A5. Renewal Credit Rule A8. Water Prevention Credit Rule 401. Superior Construction Rule 404. Protective Devices


UPC NJ HO Manual HO-100-1 Ed. 06/08/14

A18. Payment Plans

The Company accepts the following methods of payment: A. 1 Pay Plan: Full payment of the total annual premium plus all policy fees at the inception of the policy. B. 2 Pay Plan: 50% of the total premium, plus fees, at the inception of the policy with the remaining 50%

of the premium due 60 days after the inception of the policy. A $5 service charge is applicable to both installments.

C. 3 Pay Plan: 40% of the total premium, plus fees, at the inception of the policy with the remaining 60%

of the premium due in two equal installments 60 and 120 days after the inception of the policy. A $5 service charge is applicable to all installments.

D. 4 Pay Plan: 25% of the total premium, plus fees, at the inception of the policy with the remaining 75%

of the premium due in three equal installments 60, 120, and 180 days after the inception of the policy. A $5 service charge is applicable to all installments.

E. 11 Pay Play: 11 equal monthly installments automatically deducted from insured’s bank account. A $2

service charge is applicable to all installments.

Part I



COVERAGE AND DEFINITION TYPE RULES

RULE 100. INTRODUCTION

A. About The Homeowners Manual

The Homeowners Policy Program provides property and liability coverages, using the forms and endorsements specified in this Manual. This Manual contains the rules and classifications governing the writing of the Homeowners Policy. The rules, rates, forms and endorsements of the company for each coverage shall govern in all cases not specifically provided for in this Manual.

B. Manual Structure

1. Contents

The Manual is divided into two primary sections, multistate general rules and state rules and rates.

2. General Rules

These rules are grouped into the following categories:

a. Part I – Coverage And Definition Type Rules,

b. Part II – Servicing Type Rules,

c. Part III – Base Premium Computation Rules,

d. Part IV – Adjusted Base Premium Computation Rules,

e. Part V Section I – Property – Additional Coverages And Increased Limits Rules,

f. Part VI Section II – Liability – Additional Coverages And Increased Limits Rules, and

g. Part VII Section II – Liability – Other Exposures Increased Limits Rules.

3. State Rules And Rates

These rules are grouped into the following categories:

a. Exceptions and Additional Rules,

b. Special State Requirements,

c. Territory Definitions,

d. Base Class Premium Tables,

e. Classification and Key Factor Tables, and

f. Rates, Charges and Credits.

Also, where ISO does not publish any state pages containing premiums, rates, charges and credits expressed in dollars and cents, each company using this Manual should furnish its manual holders with the state rate pages containing this information.

4. Form References

The Manual refers to Forms HO 00 03, HO 00 04, HO 00 05, and HO 00 06. These Form references are identified as follows:

a. Homeowners 3 Special Form HO 00 03,

b. Homeowners 4 Contents Broad Form HO 00 04,

c. Homeowners 5 Comprehensive Form HO 00 05 and

d. Homeowners 6 Unit-Owners Form HO 00 06



RULE 101. LIMITS OF LIABILITY AND COVERAGE RELATIONSHIPS A. Limits

The limits of liability required under the Homeowners policy are as follows: 1. Section I – Property Damage

Coverage A Dwelling

HO 00 03 Refer to Rule 301. in the manual.

HO 00 05

HO 0 04 or HO 00 06 For HO 00 06 refer to Rule 507.A.

Coverage B – Other Structures

HO 00 03 10% of A

HO 00 05

Coverage C – Personal Property

HO 00 03 50% of A

HO 00 05

HO 00 04 or HO 00 06 Refer to Rule 301. In the manual

Coverage D – Loss of Use

HO 00 03 or HO 00 05 30% of A

HO 00 04 30% of C

HO 00 06 50% of C

Table 101.A.1. Property Damage Limits

2. Section II – Liability (All Forms)

Coverage E – Personal Liability and Coverage F – Medical Payments*

Refer to Rule 301. In the manual

*Unless otherwise stated, Coverage E limits apply on an “occurrence” basis; Coverage F limits apply on an “each person” basis.

Table 101.A.2. Liability Limits

B. All Forms

The limit of liability for Coverages C or D of Section I and E or F of Section II may be increased.

C. Form HO 00 03 Or HO 00 05

Under Coverage B of Section I, an additional amount of insurance may be written on a specific structure.

Under Coverage C of Section I, it is permissible to reduce the limit of liability to an amount not less than 40% of the limit of a one and two family dwelling; 20% of the limit of a three family dwelling; and 15% of the limit of a four family dwelling.

D. Form HO 00 06

The limit of liability for Coverage A of Section I may be increased.



RULE 102. DESCRIPTION OF COVERAGES

The following is a general description of the coverages provided by the individual Homeowners Policy forms. The policy should be consulted for exact contract conditions.

A. Section I – Property – Perils Insured Against

Perils HO 00 03 HO 00 04

And HO 00 06

HO 00 05

Fire or Lightning Yes* Yes Yes**

Windstorm or Hail, Explosion, Riot or Civil commotion, Aircraft, Vehicles or Smoke

Yes* Yes Yes**

Vandalism or malicious mischief Yes* Yes Yes**

Theft Yes* Yes Yes**

Volcanic eruption Yes* Yes Yes**

Falling objects, Weight of Ice, snow or sleet, Accidental discharge or water or steam, Sudden and accidental tearing apart of a heating system or appliance, Freezing, Sudden accidental damage from electrical current.

Yes*

Yes Yes**

Additional risks with certain exceptions (Special Coverage) Yes*** No Yes****

* Special Coverage (Coverages A and B), Named Peril (Coverage C)

** Special Coverage (Coverages A, B and C)

*** Special Coverage (Coverages A, B and D)

**** Special Coverage (Coverages A, B, C and D)

Table 102.A. Perils Insured Against

B. Section II – Liability – All Forms

1. Coverage E – Personal Liability

Covers payment on behalf of any insured for all sums which the insured shall become legally obligated to pay as damages because of bodily injury or property damage arising out of an insured’s premises or personal activities.

2. Coverage F – Medical Payments To Others

Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of an insured's premises or personal activities.



RULE 103. MANDATORY COVERAGES

It is mandatory that insurance be written for all coverages provided under both Sections I and II of the Homeowners Policy.



RULE 104. ELIGIBILITY

A. All Forms Except HO 00 04 And HO 00 06

A Homeowners Policy may be issued:

1. To the owner-occupant(s) of a 1, 2, 3 or 4 family dwelling which is used exclusively for private residential purposes (except as provided in Paragraphs F. and H.). A 1 family dwelling may not be occupied by more than one additional family or two roomers or boarders. In a 2, 3 or 4 family dwelling, an individual family unit may not be occupied by more than two families or one family with two roomers or boarders; or

2. To the purchaser-occupant(s) who has entered into a long term installment contract for the purchase of the dwelling and who occupies the dwelling but to whom title does not pass from the seller until all the terms of the installment contract have been satisfied. The seller retains title until completion of the payments and in no way acts as a mortgagee. The seller’s interest in the building and premises liability may be covered using Additional Insured Endorsement – HO 04 41; or

3. To the occupant of a dwelling under a life estate arrangement when the Coverage A amount is at least 80% of the dwelling’s replacement cost. The owner’s interest in the building and premises liability may be covered using Additional Insured Endorsement HO 04 41; or

4. To cover dwellings in the course of construction provided the policy is issued only in the name of the intended owner-occupant(s) of the dwelling.

5. When two or more apartment units in a 2, 3 or 4 family dwelling are occupied by co-owners, each occupying distinct living quarters with separate entrances. Given these circumstances, a Homeowners Policy providing building coverage may be issued to only one of the co-owner occupants of the dwelling. The policy may be endorsed to cover the interest of the other co-owner(s) in the building and for premises liability. Use Additional Insured Endorsement HO 04 41. A separate Homeowners Policy HO 00 04 may be issued to the co-owner(s) occupying the other apartment(s) in the dwelling.

It is permissible to extend the Homeowners Policy, without additional premium charge, to cover the interest of a non-occupant joint owner in the building and for premises liability. Use Additional Insured Endorsement HO 04 41.

B. Form HO 00 04

A Homeowners Policy may be issued to:

1. The tenant(s) (non-owner) of a dwelling or an apartment situated in any building; or

2. The owner-occupant(s) of a dwelling, cooperative unit or of a building containing an apartment not otherwise eligible for a Homeowners Policy under Paragraph A.

provided the residence premises occupied by the insured is used exclusively for residential purposes (except as provided in Paragraph F.). The dwelling or apartment unit may not be occupied by more than one additional family or two boarders or roomers.

C. Form HO 00 06

A Homeowners Policy may be issued to the owner(s) of a condominium or cooperative unit which is used exclusively for residential purposes (except as provided in Paragraphs F. and H.). The unit may not be occupied by more than one additional family or two boarders or roomers.

D. Seasonal Dwelling

Subject to all other sections of this rule, a Homeowners Policy may be issued to cover a seasonal dwelling.

E. Mobile Home, Trailer Home Or House Trailer

A Homeowners Policy:

1. Shall not be issued to cover such structures under Coverage A – Dwelling, but

2. May be issued to cover personal property in such structures as noted in Paragraph B.

F. Permitted Business Occupancies

Certain business occupancies are permitted, provided:

1. The premises is occupied principally for private residential purposes, and

2. There is no other business occupancy on the premises.

When the business is conducted on the residence premises, refer to Rules 509. and 510. for Section I Coverage and Rules 607. and 608. for Section II Coverage. When it is conducted from an Other Residence, only Section II Coverage is available. Refer to Rules 607. and 608.

G. Farm Property

A Homeowners Policy shall not be issued to cover any property to which farm forms or rates apply under the rules of the company.



H. Residence Held in Trust (All Forms Except HO 00 04)

A Homeowners Policy may be issued to an occupant of a one-, two-, three- or four-family dwelling or a condominium unit when legal title to the dwelling or unit is held in trust and:

1. One of the occupants of the dwelling or condominium unit is the grantor/settlor of the trust;

2. The residence held in trust is used exclusively for residential purposes, except as provided in Paragraph F.; and

3. No trustee of the trust is:

a. A partnership or joint venture;

b. A corporation;

c. A limited liability company;

d. An organization other than a partnership or joint venture, a corporation or a limited liability company; or

e. A licensed professional who provides ongoing professional services with respect to the profession for that individual is licensed, in connection with the administration of the trust. However, this Paragraph e. does not apply to an individual who is a relative of the grantor/settlor of the trust.

Refer to Rule 526. for the rule of application.



RULE 105. SECONDARY RESIDENCE PREMISES

Rule 105. does not apply.



RULE 106. PROTECTION CLASSIFICATION INFORMATION

A. Codes

For Protection Class 1 2 3 4 5 6 7 8 8B 9 10

Use Code 01 02 03 04 05 06 07 08 8B 09 10 (Ineligible)

B. Protection Information

The Protection Class listings in the Public Protection Classification manual apply to risks insured under Homeowners Program policies. Use the Protection Class of the policy to determine the Base Class Premium for the policy. 1. The protection class indicated applies in a municipality or classified area where a single class of

fire protection is available throughout (8, 7, 6, etc.). 2. In a classified area where two or more classifications are shown (e.g. 6/9), the classification is

determined as follows:

Distance to Fire Station Class

5 road miles or less with hydrant* within 1,000 feet, use first protection class (e.g. 6-9 would use Class 6)

-

5 road miles or less with hydrant* beyond 1,000 feet 9 (Ineligible) 9

Over 5 road miles 10

* Hydrant distance requirement does not apply when an alternative credible water supply is available. Refer to footnotes under specific communities in Public Protection Classification manual for applicability.

C. Protected Subdivision Rule

A dwelling located in a recognized subdivision, which is currently located in a fire protection class 9 or 10 community, will receive the rating of the responding fire department if all of the following requirements are met: 1. The subdivision is under development with recorded plat and has paved all-weather roads where

dwellings are built by licensed contractors subject to building restrictions as to type and square footage.

2. The subdivision contains at least 10 houses. 3. The subdivision is within 5 miles travel distance of a responding fire department. 4. The home is located within 1,000 feet of a standard fire hydrant, or the responding fire department

is equipped to transport an adequate water supply for fighting a fire, or the responding fire department is equipped to pump from water sources within 1,000 feet of the home.

Note: If a dwelling is located in a fire protection class 9 or 10 community and qualifies for protected subdivision rating under this rule, the application must be documented accordingly.



RULE 107. CONSTRUCTION DEFINITIONS

A. Frame

Exterior wall of wood or other combustible construction, including wood iron-clad, stucco on wood or plaster on combustible supports, or aluminum or plastic siding over frame.

B. Masonry Veneer

Exterior walls of combustible construction veneered with brick or stone.

C. Masonry

Exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials and floors and roof of combustible construction (Disregarding floors resting directly on the ground).

D. Superior Construction

1. Non-Combustible

Exterior walls and floors and roof constructed of, and supported by metal, asbestos, gypsum, or other non-combustible materials.

2. Masonry Non-Combustible

Exterior walls constructed of masonry materials (as described in Paragraph C.) and floors and roof of metal or other non-combustible materials.

3. Fire Resistive

Exterior walls and floors and roof constructed of masonry or other fire resistive materials.

E. Mixed (Masonry/Frame)

A combination of both frame and masonry construction shall be classed as frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise class as masonry.



RULE 108. SEASONAL DWELLING DEFINITION

A seasonal dwelling is a dwelling with continuous unoccupancy of three or more consecutive months during any one year period.



RULE 109. SINGLE AND SEPARATE BUILDINGS DEFINITION

A. Single Building

All buildings or sections of buildings which are accessible through unprotected openings shall be considered as a single building.

B. Separate Building

1. Buildings which are separated by space shall be considered separate buildings.

2. Buildings or sections of buildings which are separated by:

a. A 6 inch reinforced concrete or an 8 inch masonry party wall; or

b. A documented minimum two hour non-combustible wall which has been laboratory tested for independent structural integrity under fire conditions;

which pierces or rises to the underside of the roof and which pierces or extends to the innerside of the exterior wall shall be considered separate buildings. Accessibility between buildings with independent walls or through masonry, party walls as described shall be protected by at least a Class A Fire Door installed in a masonry wall section.



RULES 110. – 200. RESERVED FOR FUTURE USE



PART II SERVICING TYPE RULES

RULE 201. POLICY PERIOD

The policy may be written for a period of:

A. One year and may be extended for successive policy periods by extension certificate based upon the premiums, forms and endorsements then in effect for the company.

Rule 201.B., 201.C. and 201.D. do not apply.



RULE 202. CHANGES OR CANCELLATIONS

A. It shall not be permissible to cancel any of the mandatory coverages in the policy unless the entire policy is cancelled.

B. If insurance is increased, cancelled or reduced, the additional or return premium shall be computed on a pro rata basis, subject to the minimum premium requirement.



RULE 203. MANUAL PREMIUM REVISION

A manual premium revision shall be made in accordance with the following procedures:

A. The effective date of such revision shall be as announced.

B. The revision shall apply to any policy or endorsement in the manner outlined in the announcement of the revision.

C. Unless otherwise provided at the time of the announcement of the premium revision, the revision shall not affect

1. In–force policy forms, endorsements or premiums, until the policy is renewed, or

2. In the case of a Deferred Premium Payment Plan, in–force policy premiums, until the anniversary following the effective date of the revision.



RULE 204. MULTIPLE COMPANY INSURANCE

Rule 204. does not apply. [UPC]



RULE 205. MINIMUM PREMIUM

A. For prepaid policies a minimum annual premium shall be charged for each policy.

B. When policies are written under a premium payment plan, no payment shall be less than the minimum premium for each annual period.

C. The minimum premium may include all chargeable endorsements or coverages if written at inception of the policy.

D. Minimum premium = shall be $75 for HO3, HO4, HO5 & HO6 policies.



RULE 206. TRANSFER OR ASSIGNMENT

Subject to the consent of the company, all the rules of this Manual and any necessary adjustment of premium, a policy may be endorsed to effect:

A. Transfer to another location within the same state; or

B. Assignment from one insured to another in the event of transfer of title of the dwelling.



RULE 207. WAIVER OF PREMIUM

A. When a policy is endorsed after the inception date, an amount of additional or return premium may be waived.

B. Amount that may be waived = $5 or less



RULE 208. WHOLE DOLLAR PREMIUM RULE

Each premium shown on the policy and endorsements shall be rounded to the nearest whole dollar. A premium of fifty cents ($.50) or more shall be rounded to the next higher whole dollar.

In the event of cancellation by the company, the return premium may be carried to the next higher whole dollar.



RULE 209. RESTRICTION OF INDIVIDUAL POLICIES

If a policy would not be issued because of unusual circumstances or exposures, upon request of the Named Insured, the company shall submit to the Commissioner of Insurance a written application providing for a restriction of the policy with no reduction in premium as provided under N.J.S.A. 29A-7.1 and Department of Insurance Regulation N.J.A.C. 1 1:4-7:1 to 7:3.



RULE 210. REFER TO COMPANY

Refer to company for:

A. Rating or classifying any risk for which there is no manual rate.

B. Situations where a portion of the property and/or liability coverage is reinsured on a facultative basis.

The following rating procedure is available for the determination of the applicable premium:

1. Manual rules and rates shall apply to the portion of the property and/or liability limit(s) of liability retained by the company.

2. For any portion of the limit(s) of liability obtained by means of facultative reinsurance, the premium shall be the facultative cost for such insurance increased by a change up to but not exceeding 50% of the facultative cost.

With respect to premium developed in accordance with this Paragraph 2., the company is responsible for maintaining complete files, including all details relating to selection of the premium charge.

Whenever a risk is rated on a refer-to-company basis, each company is responsible for complying with regulatory or stator rate filing or disclosure requirements.

Note

Rates shall not be inadequate, excessive or unfairly discriminatory.



RULE 211. ADDITIONAL INTEREST

A. In addition to the mortgagee(s) shown in the Declarations or elsewhere in the policy, other persons or organizations may have an insurable interest in the residence premises. When coverage is not provided to such persons or organizations under Additional Insured Endorsement HO 04 41 or its equivalent, their interest in the residence premises may be acknowledged by naming them in the endorsement referenced in Paragraph D.

B. Such persons or organizations are entitled to receive notification if the policy is canceled or nonrenewed by the insurer.

C. No additional charge is made for use of this endorsement.

Rule 211.D. does not apply.



PART III BASE PREMIUM COMPUTATION

RULE 301. BASE PREMIUM COMPUTATION

The Base Premium is developed by multiplying a Key Premium by a Key Factor and rounding to the nearest whole dollar ($0.50 or more rounded to the next higher whole dollar).

A. All Forms

1. One And Two Family Dwelling

a. Identify the Territory Premium

b. Multiply Territory Premium by the Protection Class and Construction Type Factor

c. Round the value in Step b. to the nearest whole dollar.

d. Multiply the value in Step c. by the form factor

e. Round the value in Step d. to the nearest whole dollar to arrive at the Key Premium

f. Multiply the Key Premium from Step e. by the Tier Factor

g. Round the value in Step f. to the nearest whole dollar

h. Multiply the value in Step g. by the BCEG Factor

i. Round the value in Step h. to the nearest whole dollar

j. Using the key factor chart on the Territory Premium page, determine the key factor for the desired limit of liability.

k. Multiply the value in Step j. by the Key Factor and round to the nearest whole dollar to arrive at the Base Premium.

B. Interpolation Example

1. When the desired limit of liability is less than the highest limit shown, interpolate the Key Factors using the nearest limit above and below the desired limit, for example:

a. $203,000 desired limit; the nearest limits are $200,000 and $205,000.

b. For $200,000 the Key Factor is 2.837; for $205,000 the Key Factor is 2.937. Figure the difference between the two Key Factors and divide by 5. This provides a factor per $1,000.

2.937

- 2.837

.100 5 = .02

c. Multiply the factor per $1,000 times 3, and add 2.837; the Key Factor for $200,000.

.02

x 3

.06 + 2.837 = 2.897

d. The result, 2.897, is the Key Factor for this example.

2. The factors shown in the above interpolation example are for illustration only and are not necessarily the factors shown in the Key Factor Table of this Manual.

C. The value in Step k. is called the Base Premium and all other calculation factors are applied to the Base Premium



RULE 302. LOSS SETTLEMENT OPTIONS Paragraph A. of this Rule does not apply.

B. Actual Cash Value Loss Settlement – HO 00 03 And HO 00 05 Only

1. Introduction

The policy provides building loss settlement on a replacement cost basis if, at the time of loss, the amount of insurance on the damaged building represents at least 80% of the full replacement cost of the building immediately before the loss.

2. Coverage Description

The policy may be endorsed to provide building loss settlement exclusively on an actual cash value basis if, on the inception date of the policy, the Coverage A limit of liability selected by the insured is less than 80% of the full replacement

cost of the dwelling. 3. Premium Computation

The premium is computed by multiplying the Base Premium by the appropriate factor from the following table:

Coverage A Limit Of Liability Equals Less Than _____% Of

Replacement Value Factor

80%, but not less than 50% 1.05

Less than 50% 1.10

Table 302.B.3. Factors

4. Endorsement Use Actual Cash Value Loss Settlement Endorsement HO 04 81.

C. Special Loss Settlement – HO 00 03 And HO 00 05 Only 1. Introduction

The policy provides building loss settlement on a replacement cost basis if, at the time of loss, the amount of insurance on the damaged building represents at least 80% of the full replacement cost of the building immediately before the loss.


This percentage amount may be modified to 50%, 60% or 70% of replacement value without affecting the loss settlement provisions. If this option is selected, the Coverage A limit of liability representing 50%, 60% or 70% of replacement value is

to be shown in the policy declarations. 3. Premium Computation

To develop the Base Premium for the Coverage A limit of liability shown in the policy declarations: a. Multiply the Coverage A limit of liability by the appropriate factor from the following table and round to the nearest

$1,000:

% of Replacement Value Factor

50% 1.60

60% 1.33

70% 1.14

Table 302.C.3.a. Factors

b. Develop a Base Premium in accordance with Rule 301. for the amount of insurance computed in preceding Paragraph a.

c. Multiply the premium determined in preceding Paragraph b. by the appropriate factor from the following table:

% of Replacement Value Factor

50% .96

60% .97

70% .98

Table 302.C.3.c. Factors

4. Endorsement

Use Special Loss Settlement Endorsement HO 04 56.



RULE 303. ORDINANCE OR LAW COVERAGE

A. Basic Limit

The policy automatically provides up to 10% of the Coverage A limit of liability (or for Form HO 00 04, the Building Additions and Alterations limit) to pay for the increased costs necessary to comply with the enforcement of an ordinance or law.

B. Increased Amount Of Coverage

1. Description

The policy may be endorsed to increase the basic Ordinance or Law Coverage amount, as noted in Paragraph 2. to accommodate the increased costs known or estimated by the insured for materials and labor to repair or replace the damaged property and to demolish the undamaged portion of damaged property and clear the site of resulting debris according to the ordinance or law.

2. Premium Determination

a. Forms HO 00 03 And HO 00 05

To develop the Base Premium multiply the premium computed in accordance with Rule 301. by the appropriate factor selected from the following table:

Percentage Of Coverage A

Increase In Amount

Total Amount

Factors

15% 25% 1.03

40% 50% 1.07

65% 75% 1.11

90% 100% 1.15

Table 303.B.2.a. Factors

b. Forms HO 00 04 And HO 00 06 See Rule 513. for rating instructions.

3. Endorsement

Use Ordinance Or Law – Increased Amount Of Coverage Endorsement HO 04 77.



RULE 304. SPECIAL PERSONAL PROPERTY COVERAGE HO 00 04 AND HO 00 06

A. Coverage Description

1. Coverage C – Personal Property under Forms HO 00 04 and HO 00 06 is insured against perils named in the form. The policy may be endorsed to insure Coverage C against additional risks of physical loss subject to certain exclusions.

2. This option may only be used when:

a. For Form HO 00 04, the apartment, dwelling or cooperative unit rented to the insured is not rented or sublet to another; or

b. For Form HO 00 06, the condominium or cooperative unit is owner occupied and not rented to others.

B. Premium Computation

Multiply the Form HO 00 04 or HO 00 06 Base Premium developed in accordance with Rule 301. by 1.40.

C. Endorsement

1. Use Special Personal Property Coverage Endorsement HO 05 24 for use with HO 00 04 only.

2. Use Unit-Owners – Coverage C – Special Coverage Endorsement HO 17 31 for use with HO 00 06 only.



RULE 305. LOSS HISTORY RATING PLAN




RULE 401. SUPERIOR CONSTRUCTION

The premium for a dwelling or apartment unit in a building of superior construction is computed by multiplying the masonry Base Premium for a comparable dwelling or apartment unit by a factor of 0.85.



RULE 402. TOWNHOUSE OR ROW HOUSE – ALL FORMS EXCEPT HO 00 04 AND HO 00 06




RULE 403. PERSONAL PROPERTY (COVERAGE C) REPLACEMENT COST LOSS SETTLEMENT

A. Introduction

The policy provides loss settlement on an Actual Cash Value basis for certain types of property. B. Loss Settlement Option

The policy may be endorsed to provide loss settlement on a Replacement Cost basis for such property whether insured on a blanket or scheduled basis.

C. Endorsement Use Personal Property Replacement Cost Endorsement HO 04 90.

D. Scheduled Personal Property 1. When the Scheduled Personal Property Endorsement HO 04 61 is attached to a policy with Endorsement HO 04 90,

the following property, if scheduled, will also be subject to repair or replacement cost loss settlement up to the scheduled limit of liability: a. Jewelry; b. Furs and garments trimmed with fur or consisting principally of fur; c. Cameras, projection machines, films and related articles of equipment; d. Musical equipment and related articles of equipment; e. Silverware, silver-plated ware, goldware, gold-plated ware and pewterware, but excluding pens, pencils, flasks,

smoking implements or jewelry; and f. Golfer's equipment meaning golf clubs, golf clothing and golf equipment.

2. Since the loss settlement condition in Endorsement HO 04 61 will pay the insured the least of the: a. Actual cash value of the property sustaining loss; b. The amount for which the property could be repaired or replaced; or c. The amount of insurance of the property sustaining loss;

the limit of liability that applies to each scheduled item should be carefully evaluated to ensure that the limit selected

by the insured represents the cost to replace the item if lost or damaged beyond repair. E. Scheduled Personal Property (With Agreed Value Loss Settlement)

When Scheduled Personal Property (With Agreed Value Loss Settlement) Endorsement HO 04 60 is attached to a policy with Endorsement HO 04 90, the property subject to agreed value loss settlement will not be subject to repair or

replacement cost loss settlement. F. Premium Determination

Multiply the Base Premium including any premium adjustment for Coverage C limits by a factor of: 1. 1.15 for all forms except HO 00 04 and HO 00 06. 2. 1.35 for Forms HO 00 04 or HO 00 06.



RULE 404. PROTECTIVE DEVICES

Approved and properly maintained installations of burglar alarms, fire alarms and automatic sprinklers in the dwelling may be recognized for a reduced premium - computed by multipling the Base Premium by the selected factors from the following table: Protective Devices Factors

Protective Devices Factors

1. Central Station Reporting Burglar Alarm .95

2. Central Station Reporting Fire Alarm .95

3. Both 1. And 2. .91

4. Fire Station Connected Fire Alarm .97

5. Police Station Connected Fire Alarm .97

6. Both 4. And 5. .96

7. Local Fire Alarm System .98

8. Local Burglar Alarm System .98

9. Both 7. And 8. .98

10. Automatic Sprinkler System

a. In all areas including attic, bathroom, closet and attached structure

.87

b. In all areas except attic, bathroom, closet and attached structure areas that are protected by a fire detector

.92

*Refer to company for eligibility, types or systems and devices, installations, and available credits.

Table 404.A. Protective Devices Factors

D. Endorsement Use Premises Alarm Or Fire Protection System Endorsement HO 04 16.



RULE 405. INFLATION GUARD – ALL FORMS EXCEPT HO 00 04 AND HO 00 06


The policy may be endorsed to provide annual increases of the Section I Limits of Liability as selected by the insured.


1. The premium is computed by multiplying the Base Premium by the appropriate factor selected from the following table:

Amount Of Annual Increase Factor

2% Included

4% 1.02

6% 1.03

8% 1.04

Table 405.B.1. Inflation Guard Factors

C. Endorsement

Use Inflation Guard Endorsement HO 04 46.



RULE 406. DEDUCTIBLES

All policies are subject to a deductible that applies to loss from all Section I Perils, except Earthquake. A separate deductible provision applies to Earthquake Coverage as described in Rule 505.

A. Minimum Deductible

$500 Deductible.

Paragraph B. does not apply.

Paragraph C. is replaced by the following:

C. Optional Higher Deductibles

1. All Perils Deductibles

To compute the premium for this deductible type, multiply the Base Premium by the factors selected from the following table:

All Forms Except HO 00 04 And HO 00 06

Coverage A Limit Deductible Amounts

$500 $1,000 $2,500

Up to $59,999 .96 .89 .75

$60,000 to $99,999 .96 .89 .75

$100,000 to $200,000 .96 .89 .75

$200,001 and Over .96 .89 .75

HO 00 04

Coverage C Limit $500 $1,000 $2,500

Up to $25,000 .91 .77 .59

$25,001 and Over .93 .84 .68

HO 00 06

Coverage C Limit $500 $1,000 $2,500

Up to $40,000 .90 .76 .56

$40,001 and Over .92 .81 .63

Table 406.C.1 All Perils Deductible Factors

2. Does not apply

3. Hurricane Deductibles (All Forms Except HO 00 04 And HO 00 06)

The following deductible options are used in conjunction with the deductible applicable to All Other Section I Perils.

a. Percentage Deductibles

(1) Deductible Amounts

This option provides for higher Hurricane percentage deductibles of 1%, 2% or 5% of the Coverage A limit of liability when the dollar amount of the percentage deductible selected exceeds the amount of the deductible applicable to All Other Section I Perils.

(2) Endorsement

Use Hurricane Deductible Endorsement HO 03 30.

(3) Declarations Instructions

Enter, on the policy declarations, the percentage amount that applies to Hurricane and the dollar amount that applies to All Other Section I Perils. For example:

Deductible – Hurricane 1% of Coverage A limit and $500 for All Other Perils.

Deductible – Hurricane 2% of the Coverage A limit and $1,000 for All Other Perils.

(4) Deductible Application

In the event of a hurricane loss to covered property, the dollar amount is deducted from the total of the loss for all coverages. For example:



Cov. Limit Of Liability

1% Ded.

Amount Of Loss

Before Ded.

After Ded.

A $100,000 $1,000 $7,500 -

B 50,000 3,000 -

C 10,000 1,350 -

D 20,000 660 -

$12,510 $11,510

Table 406.C.3.a.(4) Example

(5) Use Of Factors

The factors displayed in Paragraph (6) incorporate the factors for the All Peril Deductibles shown in Paragraphs B.3. and C.1. Do not use the factors for the All Perils Deductibles when rating a policy with a higher Windstorm Or Hail deductible.

(6) Deductible Factors

To compute the premium for this provision, multiply the Base Premium by the factor selected from the following tables for the deductible amounts desired:

1% Hurricane Deductible

All Other Perils Ded.

Amount

Coverage A Limit (Expressed In $)

Up To 59,000

60,000 To 99,999

100,000 To

200,000

200,001 & Over

500 .93 .93 .93 .93

1,000 - - .88 .88

2,500 - - - .74

Table 406.C.3.a.(6). #1 1% Hurricane Deductible



Amount


Up To 59,000

60,000 To 99,999

100,000 To

200,000

200,001 & Over

500 .91 .91 .91 .91

1,000 .85 .85 .85 .85

2,500 - - .72 .72




Amount


Up To 59,000

60,000 To 99,999

100,000 To

200,000

200,001 & Over

500 .89 .89 .89 .89

1,000 .83 .83 .83 .83

2,500 .70 .70 .70 .70




RULE 407. ADDITIONAL AMOUNTS OF INSURANCE – FORMS HO 00 03 AND HO 00 05

A. Introduction

The policy provides loss settlement for buildings insured under Coverage A or B on a replacement cost basis without deduction for depreciation, if, at the time of loss, the amount of insurance on the damaged building is 80% or more of the replacement cost of the building immediately before the loss.

B. Coverage Description

The policy may be endorsed to provide additional insurance for Coverage A only or for Coverages A, B, C, and D when loss, to property insured under Coverage A – Dwelling, exceeds the limit of liability shown in the policy declarations.

C. Options Available

When either of the following options is selected, the Coverage A limit of liability shall be at least 100% of the full replacement cost of the property insured under Coverage A at policy inception or at the time the endorsement is added to the policy:

1. Specified Additional Amount Of Insurance For Coverage A Only a. An Additional amount of insurance equal to 25% of the Coverage A limit of liability may be selected. This additional

amount is available when loss to property insured under Coverage A – Dwelling exceeds the Coverage A limit of

liability shown in the Declarations. The additional amount cannot be applied to any other coverage nor does it increase the Coverage A limit.

b. The premium for this option is computed by multiplying the Base Premium by the appropriate factor selected from

the following table:

Additional Amount Options

Factor

25% 1.03

Table 407.C.1.b. Additional Amounts Of Insurance Factors

c. Use Specified Additional Amount Of Insurance For Coverage A Endorsement HO 04 20.

Rule 407.C.2. does not apply.

D. Endorsement Exception

Do not use either endorsement when the Special Loss Settlement Endorsement or any other endorsement which modifies the required percentage of replacement value is attached to the policy.



RULE 408. ACTUAL CASH VALUE LOSS SETTLEMENT WINDSTORM OR HAIL LOSSES TO ROOF SURFACING – ALL FORMS EXCEPT HO 00 04

A. Introduction

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

The policy may be endorsed to provide loss settlement exclusively on an Actual Cash Value basis for roof surfacing when damage is caused by the peril of Windstorm Or Hail. C. Premium Determination

To develop premium for this option, multiply the Base Premum by a factor .99 D. Endorsement

Use Actual Cash Value Loss Settlement Windstorm Or Hail Losses To Roof Surfacing (All Forms Except HO 00 04) Endorsement HO 04 93.



RULE 409. REPLACEMENT COST LOSS SETTLEMENT FOR CERTAIN NON-BUILDING STRUCTURES – FORMS HO 00 03 AND HO 00 05

A. Introduction

The policy provides actual cash value loss settlement for non-building structures covered under Coverage B, or specifically scheduled under this policy.


The policy may be endorsed to provide repair or replacement cost loss settlement for the following types of non-building structures only if they are located on the residence premises:

1. Reinforced masonry walls;

2. Metal or fiberglass fences;

3. Fences made of plastic/resin materials such as polyvinylchloride;

4. Patios, walks (not made of wood or wood products);

5. Driveways; or

6. Inground or semi-inground:

a. Swimming pools;

b. Therapeutic baths; or

c. Hot tubs;

with wall and floors made of reinforced masonry, cement, metal or fiberglass. However, replacement cost loss settlement does not apply to equipment and accessories attached to or made to be attached to the superstructures of the pool, therapeutic bath or hot tub.

C. Premium Computation

The premium is computed by multiplying the Base Premium by a factor from the following table:

Types Of Non-building Structures Factors

Inground or semi-inground swimming pools, therapeutic baths or hot tubs

1.05

All Other 1.02

Table 409.C. Types Of Non-building Structures

D. Endorsement

Use Replacement Cost Loss Settlement For Certain Non-building Structures On The Residence Premises Endorsement HO 04 43.

E. Endorsement Exception

This loss settlement condition does not apply to covered property insured under Coverage B – Other Structures Away From The Residence Premises Endorsement HO 04 91 and Specific Structures Away From The Residence Premises Endorsement HO 04 92.



RULE 410. BUILDING CODE EFFECTIVENESS GRADING

A. General Information

1. The Building Code Effectiveness Grading Schedule (BCEGS) developes a grade of 1 to 10 for a community based on the

adequacy of its building code and the effectiveness of its enforcement of that code. Policies which cover the perils of Windstorm or Hail or Earthquake may be eligible for special rating treatment, subject to the criteria in the following paragraphs. The BCEGS factor applies, where applicable, in addition to the Public Protection Claasification factors.

2. In some communities, two BCEGS classifications may be assigned. One classification for personal lines indicated next to

“PERS” will apply to personal lines properties. The other classification indicated next to “COML” will apply to commercial lines properties. The ISO Community Mitigation Classification will indicate the application of each classification.

3. Refer to the ISO Community Mitigation Classification (CMC) Manual for the BCEGS classification for a community, and

their effective dates.

B. Community Grading

1. The BCEGS classification applies to any building that has an original certificate of occupancy dated the year of the

effective date of the community grading, or later. A rating factor has been developed for each community claasification. 2. If a community is regarded subsequesnt to its initial grading, the factor for the revised grade applies to buildings that have

an original certificate of occupancy dated the year of the effective date of the revised grading, or later.

3. Where certificates of occupancy are not listed, equivalent documentation acceptable to the company may be used.

4. If, due to an addition or alteration, the original building is changed to comply with the latestbuilding code, the facxtor for the

community classification applicable at the time the reconstruction is completed will apply to such building. 5. The BCEGS classification may apply to Windstorm Or Hail or Earthquake, or to both. Specific information is provided in

the ISO Community Mitigation Classification (CMC) Manual. If the grade in the manual does not apply to one of the perils, the factor should not be applied for that peril.

C. Individual Grading

Where buldings have been built in full conformance with the natural hazard mitigation elements of one of the nationally reconized building codes even though the community grade is greater than 1, exception rating procedures may apply. 1. Any building may be classified as a 1 for Windstorm/Hail upon certification by a registered or licansed design professional,

based on an onsite inspection, that such building is in compliance with one of the three nationally reconized building codes with respect to mitigation of the windstorm or hail hazard. This classification is effective only from the date of the certification.

2. Any building may be classified as a 1 for Earthquake upon certification by a registered or licensed design professional,

based on an onsite inspection, that such building is in compliance with the earthquake mitigation elements of one of the three nationally recognized building codes. This classification is effective only from the date of the certification.

D. Upgraded Risks

Buildings which do not meet the criteria in Paragraph B. or C. for classification assignment are rated and coded as ungraded risks. Do not classify as a 10.

E. Premium Credit Computation



1. Community Grading a. Windstorm Or Hail

Compute the premium credit as follows: (1) Multiple the Base Class Premium by the appropriate factor in Paragragh E.1.c. (1) located below; and (2) Multiply the result ffrom preceding Paragraph (1) by the Key Factor for the desired amount of insurance.

b. Earthquake

When Earthquake Endorsement HO 04 54 is atached to the policy, multiply the Earthquake Base Premium by the appropriate factor in Paragraph E.1.c. (2) below.

c. Credit Factors (1) Windstorm Or Hail Factors

(a) Forms HO 00 03 and HO 00 05

Grade 1 2 3 4 5 6 7 8 9 10 Ungraded

Territory

133-275, 297-644, 677-832

.03 .03 .03 .02 .02 .02 .02 .01 .01 .00 .00

101-132, 276-296, 645-676

.05 .05 .05 .03 .03 .03 .03 .01 .01 .00 .00

Table 410.E.1.c.(1)(a) Windstorm Or Hail Factors (b) Form HO 00 04

Grade 1 2 3 4 5 6 7 8 9 10 Ungraded

Territory

101-832 .03 .03 .03 .02 .02 .02 .02 .01 .01 .00 .00

Table 410.E.1.c.(1)(b) Windstorm Or Hail Factors

(c) Form HO 00 06

Grade 1 2 3 4 5 6 7 8 9 10 Ungraded

Territory

101-832 .03 .03 .03 .02 .02 .02 .02 .01 .01 .00 .00

Table 410.E.1.c.(1)(c) Windstorm Or Hail Factors

(2) Earthquake Factors

Grade 1 2 3 4 5 6 7 8 9 10 Ungraded

EQ Terr.

Statewide .10 .10 .10 .06 .06 .06 .06 .02 .02 .00 .00

Table 410.E.1.c.(2) Earthquake Factors



PART V SECTION I – PROPERTY – ADDITIONAL COVERAGES AND INCREASED LIMITS RULES

RULE 501. BUILDING ADDITIONS AND ALTERATIONS AT OTHER RESIDENCES – ALL FORMS


The policy may be endorsed to provide this coverage at residences, other than the residence premises, rented to an insured.


To develop the premium per $1,000 of insurance, multiply the HO 00 04 Key Factor for "Each Add'l $1,000" by the HO 00 04 Key Premium.

C. Endorsement

Use Building Additions And Alterations Other Residence Endorsement HO 04 49.



RULE 502. BUILDING ADDITIONS AND ALTERATIONS – INCREASED LIMITS – HO 00 04

A. Coverage C Increase

The limit of liability of 10% of Coverage C may be increased.


To develop the premium per $1,000 of insurance, multiply the HO 00 04 Key Factor for "Each Add'l $1,000" by the HO 00 04 Key Premium.

C. Endorsement

Use Building Additions And Alterations Increased Limit Form HO 00 04 Endorsement HO 04 51.



RULE 503. BUSINESS PROPERTY – INCREASED LIMIT

A. On-Premises

1. The $2,500 limit of liability for business property on the residence premises may be increased to $10,000 in increments of $2,500.

2. Rate per $2,500 = $30

3. The limit of liability in excess of $2,500 does not apply to:

a. Business property in storage or held as a sample or for sale or delivery after sale.

b. Business property pertaining to a business actually conducted on the residence premises.

4. The Property described in Paragraphs 3.a. and 3.b. are covered under the following optional endorsements:

a. Permitted Incidental Occupancies;

b. Home Day Care; or

c. Home Business Insurance Coverage.

B. Off–Premises

When the on-premises limit is increased, the off-premises limit of $1,500 is automatically increased, at no additional charge, to an amount that is 60 percent of the total on-premises limit of liability.

C. Endorsement Use Increased Limits On Business Property Endorsement HO 04 12.



RULE 504. CREDIT CARD, ELECTRONIC FUND TRANSFER CARD OR ACCESS DEVICE, FORGERY AND COUNTERFEIT MONEY

A. Coverage Increase

The limit of $500 may be increased. An additional rate is to be charged.

B. Premium

Limit

$ 1,000 $ 1

2,500 4

5,000 5

7,500 6

10,000+ 7

+ For limits in excess of $10,000, refer to company.

C. Endorsement

Use Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money Coverage Increased Limit Endorsement HO 04 53.



RULE 505. EARTHQUAKE COVERAGE A. Earthquake Coverage

The policy may be endorsed to provide coverage against a loss resulting from the peril of Earthquake. This peril shall apply to all Section I Coverages for the same limits provided in the policy. Use Earthquake Endorsement HO 04 54.

B. Deductible

Deductible percentage amounts of 5%, 10%, 15%, 20% and 25% of the limit of liability are included in this rule. In the event of an Earthquake loss to covered property, the dollar amount is deducted from the total of the loss for Coverages A, B and C.

Earthquake rates are displayed for the 5% and 10% deductible below. Credit factors for deductibles percentage amounts of 15%, 20% and 25% are provided in Paragraph E. Premium for Higher Deductibles of this rule.

C. Loss Assessment Coverage

The policy may also be endorsed to cover loss assessment resulting from loss by this peril. The limit of liability shall be based on the insured's proportionate interest in the total value of all collectively owned buildings and structures of the corporation or association of property owners. Refer to company for rates. Use Loss Assessment Coverage For Earthquake Endorsement HO 04 36 for all forms.

D. Base Premium

5% Deductible – Rate Per $1,000

Zone Frame+ Masonry+ Superior

Forms HO 00 03 & HO 00 05 21 $ .29 $ 1.16 $ .42

Form HO 00 04 21 $ .15 $ .62 $ .15

Form HO 00 06 21 $ .17 $ .67 $ .17

Forms HO 00 03 & HO 00 05 Increased Coverage C 21 $ .17 $ .60 $ .17

HO 00 06 Basic and Increased Coverage A 21 $ .19 $ .75 $ .29

Increased Coverage D 21 $ .12 $ .56 $ .21

Other Structure Items 21 $ .15 $ .58 $ .23

+ If exterior Masonry Veneer is covered, rate as Masonry; if not covered, rate as Frame.

Table 505.D.1 Premium For 5% Deductible

10% Deductible – Rate Per $1,000

Zone Frame+ Masonry+ Superior

Forms HO 00 03 & HO 00 05 21 $ .25 $ 1.00 $ .33

Form HO 00 04 21 $ .12 $ .50 $ .12

Form HO 00 06 21 $ .15 $ .54 $ .15

Forms HO 00 03 & HO 00 05 Increased Coverage C 21 $ .15 $ .50 $ .12

HO 00 06 Basic and Increased Coverage A 21 $ .17 $ .67 $ .23

Increased Coverage D 21 $ .12 $ .54 $ .21

Other Structure Items 21 $ .15 $ .56 $ .21

+ If exterior Masonry Veneer is covered, rate as Masonry; if not covered, rate as Frame.

Table 505.D.1.a. Premium For 10% Deductible



Develop the base premium as follows: 1. From the state rate pages:

a. Determine if Rate Table A, B, and/or C applies. 2. Determine the Earthquake territory according to the ZIP code of the residence premises from the State Territory

Definitions pages in this manual.. c. Select the rate according to construction from the Rate Table; and

3. For Forms HO 00 03 and HO 00 05, add the results of the following three steps: a. Multiply the Coverage A limit by the rate found in Column A of the table: b. If Coverage C limit is increased, multiply the rate found in Column D by the amount of the increase, and c. If the Coverage D limit is increased, multiply the rate found in Column F by the amount of the increase.

4. For Form HO 00 04, add the results of the following two steps; a. Multiply the Coverage C limit by the rate found in Column B of the table; and b. If the Coverage D limit is increased, multiply the rate found in Column F by the amount of the increase.

5. For Form HO 00 06, add the results of the following three steps: a. Multiply the Coverage C limit by the rate found in Column C of the table; b. Multiply the Coverage A limit by the rate found in Column E of the table; and c. If the Coverage D limit is increased, multiply the rate found in Column F by the amount of the increase.

6. Building Or Non-Building Structure Items – All Forms:

Multiply the rate in Column G on the table by the appropriate limit of liability for the following Building or Non-building Structure items, as applicable, and add to the applicable premium determined in Paragraph 3., 4. Or 5.:

a. Other Structures – Structures Rented To Others Residence Premises;

b. Other Structures On The Residence Premises – Increased Limits; c. Specific Structures Away From The Residence Premises; d. Building Additions And Alterations – Other Residence; and e. Building Additions And Alterations Increased Limit Form HO 00 04.

7. Ordinance Or Law – Basic and Increased Limit – All Forms

When the basic Ordinance or Law Coverage limit is increased the earthquake premium is developed on the increased limit of insurance.

a. For Forms HO 00 03 and HO 00 05, multiply the rate determined in Paragraph 3.a. by the appropriate factor selected from Rule 303.B.2.a.

b. For Forms HO 00 04 and HO 00 06, the premium for this additional coverage is determined based on the dollar

amount of increase, represented by the increased percentage amount selected above the basic limit. The rate for each additional $1,000 of insurance is determined as follows: (1) For Form HO 00 04, multiply the rate in Column G of the table by .30. (2) For Form HO 00 06, multiply the rate in Column E of the table by .30. and add to the applicable premium determined in Paragraph 4. or 5.

E. Premium For Higher Deductibles

Multiply the Earthquake base premium determined in Paragraph D. for the 10% deductible by the appropriate factor from

the following table:

Deductible Percentage

Factor

Frame Masonry Superior

15% .80 .85 .75

20% .65 .70 .60

25% .50 .60 .45

Table 505.E. Premium For Higher Deductibles

F. Building Code Effectiveness Grading

Refer to Rule 410. For information which may affect Earthquake rating.



RULE 506. FIRE DEPARTMENT SERVICE CHARGE

The limit of $500 may not be increased.



RULE 507. FORM HO 00 06 COVERAGE A DWELLING BASIC AND INCREASED LIMITS AND SPECIAL COVERAGE – HO 00 06

A. Basic Limits

The policy automatically provides a basic Coverage A limit of $5,000 on a named perils basis. If increased limits are not desired, enter "$5,000" under Coverage A – Dwelling on the Policy Declarations.

B. Increased Limits

The basic limit may be increased. The premium is developed based on the additional limit of insurance. To develop the premium for each additional $1,000 of insurance, multiply the HO 00 06 Key Factor for "Each Add'l $1,000" by the HO 00 06 Key Premium.

C. Special Coverage

The Section I Perils Insured Against may be broadened to cover additional risks of loss. The additional premium is:

1. Charge per policy for $5,000 in basic form = $2

2. Rate for each add’l $1,000 of Coverage A = $1 D. Endorsement

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



RULE 508. FORM HO 00 06 UNITS REGULARLY RENTED TO OTHERS

A. Coverage C And Section II Liability

1. There is no coverage for Coverage C – Personal Property and Section II Liability when the residence premises is regularly rented or held for rental to others. The policy may be endorsed, however, to provide such coverage, including Theft.

2. The Coverage C minimum limit of liability may be waived when the value of the insured's personal property in the

rented unit is less than $10,000. B. Premium Computation

Multiply the Coverage C Base Premium (reflecting the credit or surcharge for optional deductibles) by a factor of .25.

C. Endorsement

Use Unit–Owners Rental To Others Endorsement HO 17 33.



RULE 509. HOME DAY CARE COVERAGE




RULE 510. PERMITTED INCIDENTAL OCCUPANCIES RESIDENCE PREMISES


Coverage for a permitted incidental occupancy is limited under Section I and excluded under Section II. The policy may be endorsed to provide expanded Section I Coverage and Section II Coverage on a permitted incidental occupancy in the dwelling or in another structure on the residence premises. Use Permitted Incidental Occupancies (Residence Premises) Endorsement HO 04 42 for Sections I and II Coverage.

B. Permitted Incidental Occupancies

Examples of such occupancies are Offices, Schools or Studios meaning offices for business or professional purposes, and private schools or studios for music, dance, photography and other instructional purposes.

C. Other Structures

If the permitted incidental occupancy is located in another structure, Coverage B does not apply to that structure. See Paragraph E. for charge for specific insurance on the structure.

D. Personal Property

The permitted incidental occupancies endorsement also covers personal property pertaining to the permitted incidental occupancy within the Coverage C limits stated in the declarations. If increased Coverage C limits are desired, see Rule 515.A.

E. Premium Computation

1. Section I

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

b. If the permitted incidental occupancy is located in another structure, charge the amount per $1,000 of specific insurance on the structure.

c. Rate per $1,000 for business in other structure = $6

2. Section II

Refer to Rule 608. in the state company rates to develop the premium for the increased Coverages E and F exposure.



RULE 511. SUPPLEMENTAL LOSS ASSESSMENT COVERAGE

A. Residence Premises


The policy automatically provides, under Section I Additional Coverage and Section II Additional Coverage, a limit of $1,000 each for assessments relating to the residence premises, excluding assessments resulting from the peril of earthquake. (Refer to Rule 505. Earthquake Coverage for the Earthquake rule of application.)

2. Higher Limits

The policy may be endorsed to provide a single additional amount of insurance to be applied to one or more assessments arising out of a single loss covered under:

a. Either Section I Additional Coverage or Section II Additional Coverage; or

b. Both Section I and Section II Additional Coverages.

3. Premium

All forms except HO 00 03, HO 00 05 or HO 00 06 with HO 32 34

New Amount Of Coverage

$ 5,000 $4

$ 10,000 $6

Each add’l $5,000 up to $50,000 $1

Table 511.A.3#1 Additional Charge

HO 00 03, HO 00 05 or HO 00 06 with HO 32 34


$ 5,000 $5

$ 10,000 $8

Each add’l $5,000 up to $50,000 $2

Table 511.A.3.#2 Additional Charge

B. Additional Locations


a. The policy may be endorsed to provide loss assessment coverage pertaining to additional locations for the insured’s share of loss assessments arising out of a single loss covered as noted in Paragraph A.2.

b. No more than 2 additional locations can be written in addition to the residence premises.

2. Premium

All forms except HO 00 03, HO 00 05 or HO 00 06 with HO 32 34


$ 1,000 $6

$ 5,000 $10

$ 10,000 $12

Each add’l $5,000 up to $50,000 $1

Table 511.B.2#1 Additional Charge

HO 00 03, HO 00 05 or HO 00 06 with HO 32 34


$ 1,000 $7

$ 5,000 $12

$ 10,000 $16

Each add’l $5,000 up to $50,000 $2

Table 511.B.2.#2 Additional Charge

C. Endorsement

Use Supplemental Loss Assessment Coverage Endorsement HO 04 35.



RULE 512. LOSS OF USE – INCREASED LIMIT (HO3 & HO5)

A. When the limit of liability for Coverage D is increased, charge the rate per $1,000 of additional insurance.

B. Rate per $1,000 = $5



RULE 513. ORDINANCE OR LAW INCREASED AMOUNT OF COVERAGE – HO 00 04 AND HO 00 06

A. Coverage Increase

1. The basic amount of coverage may be initially increased to 100% of the Form HO 00 04 Building Additions and Alterations limit or 50% of the Form HO 00 06 Coverage A limit.

2. The amount may be further increased in 25% increments above those listed in Paragraph 1.

B. Premium Determination

1. The premium for this additional coverage is determined based on the dollar amount of increase, represented by the increased percentage amount selected above the basic limit.

2. The premium for each additional $1,000 of insurance is developed by multiplying the appropriate HO 00 04 or HO 00 06, whichever is appropriate, Key Factor for "Each Add'l $1,000" by .30 and then multiplying that amount by the appropriate Key Premium.


UPC NC HO Manual HO-514-1 Ed. 06/08/14

RULE 514. OTHER STRUCTURES [HO3 & HO5]

A. On-Premises Structures

When insurance is written on a specific structure on the residence premises the rates per $1,000 of insurance shall apply separately to each structure.

1. Specific Structure – Increased Limits

a. Premium

Rate per $1,000 = $5

b. Endorsement

Use Other Structures On The Residence Premises – Increased Limits Endorsement HO 04 48.

2. Structure On The Residence Premises Rented To Others

a. Premium

Use the sum of:

(1) Rate per $1,000 = $6

(2) The premium for the increased Coverages E and F exposure, as developed from the Section II rules of this Manual.

b. Use Structures Rented to Others – Residence Premises Endorsement HO 04 40.

B. Structures Off The Residence Premises

1. Forms HO 00 03 And HO 00 05

a. Coverage Description

(1) The policy automatically provides Coverage B – Other Structures on a blanket basis to structures located on the residence premises.

(2) This blanket coverage may be endorsed to expand coverage to include structures located away from the residence premises if used in connection with the residence premises.

b. Premium

Off premises structures charge per policy = $18

c. Endorsement

Use Other Structures Away From The Residence Premises HO 04 91.

2. All Forms

a. Premium

(1) When insurance is written on a specific structure located away from the residence premises, the rate per $1,000 of insurance shall apply separately to each location.

(2) Specific structures – Off-Premises Rate per $1,000 = $6

b. Endorsement

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



RULE 515. PERSONAL PROPERTY

A. Increased Limit

1. The limit of liability for Coverage C may be increased.

2. Charge the additional company rate per $1,000 of insurance.

3. Rate per $1,000

a. HO 00 03 = $2

b. HO 00 05 = $4

B. Increased Limits – Other Residences

1. Coverage for personal property usually located at other residences is limited in the policy form to 10% of Coverage C or $1,000, whichever is greater. This limit may be increased.

2. Charge the additional company rate per $1,000.

3. Rate per $1,000 = $8

4. Use Increased Limits On Personal Property In Other Residences Endorsement HO 04 50.

C. Increased Limit – Self-storage Facilities

1. Coverage for personal property located in self-storage facilities is limited in the policy form to 10% of Coverage C, or $1,000, whichever is greater. This limit may be increased.

2. Charge the additional company rate per $1,000.

3. Rate per $1,000 = $8

4. Use Increased Amount Of Insurance For Personal Property Located In A Self-storage Facility Endorsement HO 06 14.

D. Reduction In Limit

1. The limit of liability for Coverage C may be reduced in accordance with Rule 101.C. 2. Credit per $1,000 = $1

E. Increased Special Limits Of Liability 1. The Special Limits of Liability in the policy form for the categories of property noted in the following table may be

increased to the maximum limits shown:

Personal Property Limit

In Form

Maximum Limit

Allowed

1. Jewelry, Watches and Furs $1,500 $6,500* Rate per $1,000 = $22

2. Money $200 $1,000 Rate per $100 = $7

3. Securities $1,500 $3,000 Rate per $100 = $5

4. Silverware, Goldware and Pewterware

$2,500 $10,000** Rate per $500 = $1.00

5. Firearms $2,500 $6,500*** Rate per $100 = $4

6. Portable Electronic Equipment in or upon a motor vehicle

or motorized $1,500 $6,000** Rate per $500 = $12

* Not exceeding $1,000 for any one article.

** Increase must be in increments of $500.

*** Increase must be in increments of $100.

Table 515.D.1. Special Limits

2. Refer to state company rates for additional charges.

3. Use Coverage C Increased Special Limits Of Liability Endorsement HO 04 65 – for all forms except as noted in Paragraph 4.

4. Use Coverage C Increased Special Limits Of Liability Endorsement HO 04 66 for Form HO 00 05, Form HO 00 04 with Endorsement HO 05 24 and Form HO 00 06 with Endorsement HO 17 31.

F. Refrigerated Personal Property

1. The policy may be endorsed to provide $500 of coverage for covered property stored in freezers or refrigerators on the residence premises for loss caused by power service interruption or mechanical failure.

2. A deductible of $100 applies.

3. Charge per policy = $12

4. Use Refrigerated Property Coverage Endorsement HO 04 98.

Rule 515.G. does not apply.



RULE 516. PERSONAL PROPERTY – SCHEDULED

A. Introduction

Coverage may be provided on scheduled personal property subject to the rules and rates of the Company.

B. Loss Settlement

1. Endorsement HO 04 61 provides for standard loss settlement for all classes of property except Fine Arts; and agreed value loss settlement for Fine Arts.

2. Endorsement HO 04 60 provides for agreed value loss settlement for the following classes:

a. Cameras

b. Furs

c. Golfer's Equipment

d. Jewelry

e. Musical Instruments

f. Silverware

g. Stamps and Rare Coins

This endorsement may also be used for scheduled articles of Fine Arts.

C. Endorsements

1. Use Scheduled Personal Property Endorsement HO 04 61 for standard loss settlement or agreed value loss settlement for fine arts.

2. Use Scheduled Personal Property (with Agreed Value Loss Settlement) Endorsement HO 04 60 for agreed value

loss settlement.



RULE 516. PERSONAL PROPERTY – SCHEDULED (con’t)

Coverage for schedules of personal property items may be provided, up to a maximum limit of $100,000 but not exceeding $20,000 for any one article. Also, neither the total schedule nor any one article may exceed the Coverage C limit. However, personal property items used in a trade or business are not eligible for scheduled personal property coverage. An appraisal or bill of sale no older than 5 years must accompany application or endorsement for each single item worth $5,000 or more. A reappraisal must be done every five years and maintained in the insured’s file. Total schedules over $25,000 must have a central station burglar alarm. Apply the applicable rates from the table below:

Property Rate per $100

Antiques $0.90

Bicycles $9.35

Cameras & Projection Equipment (non Professional) $1.05

Coins $1.03

Fine Arts: Breakage No Breakage

$1.00 $0.50

Furs $0.40

Golfers Equipment $0.46

Guns: Collectible Fired

$1.50 $3.00

Jewelry In vaults or safety deposit boxes

$1.37 $0.36

Miscellaneous Personal Property $1.00

Musical Instruments (non professional) $0.29

Other Sports Equipment $2.00

Silverware $0.15

Stamps $0.44



RULE 517. RENTAL TO OTHERS – EXTENDED THEFT COVERAGE ALL FORMS EXCEPT HO 00 05, HO 00 04 WITH HO 32 95 OR HO 00 06 WITH HO 32 35


The policy may be endorsed to insure against loss by theft to covered property when all or part of the residence premises usually occupied by the insured is occasionally rented, in whole or in part, to others, or is regularly or occasionally rented to roomers or boarders.

B. Premium

Rate per policy = $36

C. Endorsement

Use Extended Theft Coverage For Residence Premises Occasionally Rented To Others Endorsement HO 05 41.



RULE 518. SINKHOLE COLLAPSE COVERAGE ALL FORMS EXCEPT HO 00 04 AND HO 00 06


The policy may be endorsed to provide Sinkhole Collapse Coverage.

B. Premium Determination

1. Rate per $1,000 = $0.35

2. Multiply the rate per $1,000 by:

a. Coverage A amount of insurance;

b. Increased Limits for Coverages C and D;

c. Loss Assessment Coverage, increased limits and additional locations;

d. Ordinance Or Law Coverage, basic amount and, if applicable, increased amount of coverage;

e. Other Building or Structure options for example: Other Structures Rented To Others (Residence Premises) Endorsement HO 04 40; Other Structures (Increased Limits) Endorsement HO 04 48; Specific Structures Away From The Residence Premises Endorsement HO 04 92; Building Additions And Alterations (Other Residence) Endorsement HO 04 49; and Building Additions And Alterations (Increased Limit Form HO 00 04) Endorsement HO 04 51.

C. Endorsement

Use Sinkhole Collapse Endorsement HO 04 99.



RULE 519. SPECIAL COMPUTER COVERAGE ALL FORMS EXCEPT HO 00 05, HO 00 04 WITH HO 05 24 OR HO 00 06 WITH HO 17 31


The policy may be endorsed to insure computers and related equipment against additional risks of physical loss subject to certain exclusions up to $2,500.

B. Premium Charge per policy = $18

C. Endorsement Use Special Computer Coverage Endorsement HO 04 14.



RULE 520. LIVESTOCK COLLISION COVERAGE Rule 520. does not apply.



RULE 521. LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGE A. Coverage Description

The policy forms exclude coverage for loss resulting from water or waterborne material which backs up through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment. When the optional Limited Water Back-up And Sump Discharge Or Overflow Coverage endorsement is attached to the policy, coverage is provided with respect to direct physical loss, not caused by the negligence of an “insured” to property covered under Section I, caused by water or waterborne material which originates from within the dwelling where the named insured resides and backs up through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment. The basic limit is $5,000 and must be entered on the coverage endorsement or the policy Declarations.

B. Increased Limits Rule 521.B. Does not apply.

C. Premium

1. Basic Limit Charge per policy = $125

D. Endorsement Use Limited Water Back-up and Sump Discharge Or Overflow Coverage Endorsement HO 04 95.



RULE 522. LANDLORDS FURNISHINGS




RULE 523. ASSISTED LIVING CARE COVERAGE




RULE 524. OTHER MEMBERS OF A NAMED INSURED’S HOUSEHOLD

A. Introduction

The policy provides coverage to named insureds, resident relatives who are members of the insured's household and persons under the age of 21 who are in the care of an insured.


1. The policy may be endorsed to provide coverage to a person who is a member of the named insured's household but does not fall under the definition of insured in the policy. It does not cover a guest, residence employee, roomer, boarder or tenant. Coverage extends to the person named in the endorsement, and a person under the age of 21 who is in the legal custody of that person.

2. All coverages and provisions under Sections I and II of the policy that apply to insureds also apply to the persons described in Paragraph 1. except Coverages A, B and D (Fair Rental Value only).

C. Premium

1. Section I and Section II Basic Limits

Rate per person named in the Schedule = $73

2. Section II Increased Limits

Add to the basic limit Rate in Paragraph 1.:

a. For Coverage E:

Basic And Increased Coverage E Limits

$ 300,000 $ 15

$ 500,000 $ 22

Table 524.C.2.a. Coverage E Limits

b. For Coverage F:

Refer to Rule 702. For Rates for limits above $1,000

D. Endorsement

Use Other Members Of Your Household Endorsement HO 04 58.



RULE 525. MOTORIZED GOLF CART – PHYSICAL LOSS COVERAGE


The policy may be endorsed to provide coverage for physical loss to a motorized golf cart, including permanently installed accessories, equipment and parts, owned by an insured.

Also covered, for an amount equal to 10% of the limit of the highest scheduled cart, are accessories, equipment or parts designed or made solely for the cart that are not permanently installed provided such property is at an insured's residence or in or upon the cart off the insured's residence at the time of loss.

Coverage for loss caused by collision is optional and only applies if declared on the schedule of the endorsement.

B. Eligibility

To be eligible for coverage, the motorized golf cart shall be of the type designed to carry up to four people on a golf course for the purpose of playing golf and shall not have been built, or modified after manufacture, to exceed a speed of 25 m.p.h. on level ground.

Read the endorsement for all conditions of coverage.

C. Limit Of Liability

The limit of liability shall be selected by the insured. However, that limit should be representative of the actual cash value of the motorized golf cart including any permanently installed accessories, etc.

D. Deductible

A deductible amount of $500 applies separately to each involved golf cart and, separately to Section I Property Coverages if not in or upon a golf cart at the time of loss.

The $500 deductible replaces any other deductible in the policy with respect to property covered under the endorsement.

E. Premium

Rate each cart separately using the premium per $500 of insurance. Refer to the state company rates for additional charge.

The following charge is the minimum annual premium for each motorized golf cart for any period within a policy year:

Rate per motorized golf cart without collision = $8

Rate per motorized golf cart with collision = $15

F. Endorsement

Use Owned Motorized Golf Cart – Physical Loss Coverage Endorsement HO 05 28.



RULE 526. RESIDENCE HELD IN TRUST ALL FORMS EXCEPT HO 00 04

A. Coverage

A Homeowners policy may be endorsed to insure a trustee, and if applicable, a trust:

1. Under Section I – Property Coverages, for any insurable interest in the dwelling or other structure held in trust; and

2. Under Section II – Liability Coverages, for bodily injury or property damage liability arising out of the ownership, maintenance or use of an insured location held in trust.

B. Endorsement

1. Use Trust Endorsement HO 06 15.

2. The following must be shown in the endorsement:

a. The name and address of the Trust; and

b. The name and address of the trustee(s).

3. The Trust may also be listed as an Insured if the Trust can be recognized under applicable state law as a legal entity with the capacity to sue or be sued in a court having jurisdiction.

F. Premium

Additional charges are provided for the trustee and any beneficiary and/or grantor. These charges reflect Section II – Liability basic limits.

1. Trustee

The charge for the trustee applies whether or not the trustee resides on the residence premises. Charge per policy = $31.

2. Beneficiary And/Or Grantor

a. Beneficiary or grantor is named in the endorsement; and

(1) Trustee resides on the residence premises = $31

(2) Trustee does not reside on the residence premises = No add’l Charge

b. Beneficiary and grantor are named in the endorsement; and

(1) Trustee resides on the residence premises = $62

(2) Trustee does not reside on the on the residence premises = $31

For increased limits:

For Coverage E:

Refer to Rule 701. For increased limits factors.

For Coverage F.

Refer to Rule 702. For increased limits charges.



RULE 527. STUDENT AWAY FROM HOME

A. Introduction

The policy provides coverage for a full-time student, who was a resident of the named insured's household before moving out to attend school and is under the age of:

1. 24 and a relative of the named insured; or

2. 21 and in the care of the named insured or a resident relative.


The policy may be endorsed to provide coverage for other types of students who were residents of the named insured's household before moving out to attend school. For example, part time students or students older than 24.

C. Premium Determination

1. Section I and Section II Basic Limits

Rate per location = $83

2. Section II Increased Limits

Add to the basic limit Rate in Paragraph 1.:

a. For Coverage E:

Basic And Increased Coverage E Limits

$ 300,000 $ 15

$ 500,000 $ 22

Table 527.C.2.a. Coverage E Limits

D. Endorsement

Use Additional Insured – Student Living Away From The Residence Premises Endorsement HO 05 27.


For Coverage F.




RULE 528. HOME BUSINESS INSURANCE COVERAGE




RULE 529. LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE

A. Coverage Description – Basic Limits

When the optional Limited Fungi, Wet or Dry Rot, Or Bacteria Coverage endorsement is attached to the policy, limited amounts of insurance are automatically provided as follows:

1. Section I – Fungi, Wet or Dry Rot, Or Bacteria

$10,000 on an aggregate basis, to pay for loss and associated costs to covered real or personal property, owned by an insured, that is damaged by fungi or wet or dry rot, or bacteria on the “residence premises” as defined in the coverage endorsements. If the basic limit is selected, it is entered on the coverage endorsements or the policy Declarations.

This coverage applies only to the policy period in which the loss or costs occur.

2. Section II – Fungi, Wet or Dry Rot, Or Bacteria

$50,000 on an aggregate basis, to pay for damages because of bodily injury or property damage involving the inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any fungi, wet or dry rot, or bacteria. If the basic limit is selected, it is entered on the coverage endorsements or the policy Declarations.

B. Increased Limits

1. Section I – Fungi, Wet Or Dry Rot, Or Bacteria

a. When the optional Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage endorsement is attached to the policy increased limits of $25,000 or $50,000 shall be made available. The limit selected is entered on the coverage endorsements or the policy Declarations.

b. Refer to Paragraph C. for premium computation instructions.

2. Section II – Fungi, Wet Or Dry Rot, Or Bacteria

a. When the optional Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage endorsement is attached to the policy, an increased limit of $100,000 shall be made available. The limit selected is entered on the coverage endorsements or the Declaration.

b. Refer to Paragraph C. for premium computation instructions.

C. Premium

1. Basic Limits

There is no premium adjustment.

2. Increased Limits

a. Section I - Property

$25,000 – charge per policy = $56


b. Section II - Liability


D. Endorsement

Use Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage Endorsement:

1. HO 04 26 – For use with Forms HO 00 04 and HO 00 06.

2. HO 04 27 – For use with Forms HO 00 03 and HO 00 05.

3. HO 04 28 – For use with Form HO 00 04 with Special Personal Property Endorsement and Form HO 00 06 with Unit-owners Coverage C Special Coverage Endorsement or Unit-owners Coverage A Special Coverage Endorsement.



RULE 530. IDENTITY FRAUD EXPENSE COVERAGE




RULE 531. LIMITED COVERAGE FOR THEFT OR PERSONAL PROPERTY LOCATED IN A DWELLING UNDER CONSTRUCTION




PART VI SECTION II – LIABILITY – ADDITIONAL COVERAGES AND INCREASED LIMITS RULES

RULE 601. RESIDENCE PREMISES – BASIC AND INCREASED LIMITS / OTHER EXPOSURES – BASIC LIMITS

A. Residence Premises

1. Minimum limits of liability for Coverage E (Personal Liability) and Coverage F (Medical Payments to Others) are

shown in Rule 301. in the state classification section. The premium for these limits is included in the Base Premium. 2. Premium 3. If increased limits are written, then the same limits must apply to any Other Exposures covered under the policy,

unless otherwise stated.

Coverage E - Liability

1 and 2 Family Premium

Basic And Increased Coverage E Limit

Limit Rate

$ 100,000 -

300,000 $ 26

500,000 38

Table 601.A.3.#1 Coverage E – Liability

Coverage F – Medical Payments

Limit Rate

$ 1,000 -

2,000 $ 4

3,000 7

4,000 11

5,000 13

Table 601.A.3.#2 Coverage F – Medical Payment

B. Other Exposures

1. There is an additional charge for Other Exposures listed in the following rules.

2. The minimum limits for Other Exposures are the same as the limits for the Residence Premises, unless otherwise stated.

3. For increased limits for Other Exposures, refer to Rules 701. and 702.

4. If increased limits are written, then the same limits must apply to the Residence Premises, unless otherwise stated.

Rule 601.C. does not apply.



RULE 602. OTHER INSURED LOCATION OCCUPIED BY INSURED

A. Introduction

1. Section II Coverage may be provided on locations, other than the residence premises, where an insured resides, but which are insured for Section I Coverage under another insurance program or by another company.

2. Make the appropriate charge for each other insured location shown in the Declarations of this policy. If the insured location is in another state, refer to the Manual for that state.

B. Premium

Rate per Residence:

One Family = $7

Two Family = $14

Three Family = $33

Four Family = $35


For Coverage E:


For Coverage F.




RULE 603. RESIDENCE EMPLOYEES




RULE 604. ADDITIONAL RESIDENCE RENTED TO OTHERS

A. Introduction

1. The policy may be endorsed to provide coverage when an additional residence is rented to others.

2. If the additional residence rented to others is in another state, refer to the Manual for that state.

B. Premium

Rate per Residence:

One Family = $103

Two Family = $162

Three Family = $352

Four Family = $433

C. Endorsement

Use Additional Residence Rented To Others Endorsement HO 24 70.


For Coverage E:


For Coverage F.




RULE 605. OTHER STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISES


1. The policy may be endorsed to provide coverage when a structure on the residence premises is rented to others for dwelling purposes.

2. Refer to Rule 514.A.2. for rating Section I Coverage.

B. Premium

Rate per Structure = $103

C. Endorsement

Use Structures Rented To Others – Residence Premises Endorsement HO 04 40.


For Coverage E:


For Coverage F.




RULE 606. COMPUTER-RELATED DAMAGE OR INJURY EXCLUSION AND COVERAGE OPTIONS




RULE 607. HOME DAY CARE COVERAGE

Rule 607. Does not apply.



RULE 608. PERMITTED INCIDENTAL OCCUPANCIES – RESIDENCE PREMISES AND OTHER RESIDENCES


The policy may be endorsed to provide coverage for the increased exposure arising from a permitted incidental occupancy on the residence premises or in an other residence occupied by the insured.

1. Residence Premises

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

2. Other Residence

Use Permitted Incidental Occupancies – Other Residence Endorsement HO 24 43.

B. Premium

Rate per Residence:

1. Residence Premises = $20

2. Other Residence = $22


For Coverage E:


For Coverage F.




RULE 609. BUSINESS PURSUITS


The policy may be endorsed to provide coverage for the liability of the insured arising out of business activities. Coverage is excluded if the insured owns the business, is a partner or maintains financial control in the business.

B. Premium

Rate per Insured Person:

1. Clerical Employees = $5

2. Sales person, Collector or Messenger – Installation, demonstration or servicing operation:

Included = $8

Excluded = $5

3. Teachers

a. Laboratory, athletic, manual or physical training = $15

b. Not otherwise classified = $7

c. Corporal punishment (add to Paragraph 3.a. or 3.b.) = $5

4. Refer to company for eligibility and rates for business activities not listed.

C. Endorsement

Use Business Pursuits Endorsement HO 24 71.


For Coverage E:


For Coverage F.




RULE 610. PERSONAL INJURY

A. Introduction

Liability coverage for personal injury arising out of specified offenses, such as false arrest, malicious prosecution, wrongful eviction, slander or libel may be added to the policy. The limit of liability for this coverage may be provided on either an “any one offense” basis or on an annual aggregate limit basis.

B. Premium

Rate per policy = $16

C. Endorsement

Use Personal Injury Coverage Endorsement HO 24 82 for providing coverage with the limit of liability on an “any one offense” basis.

Use Personal Injury Coverage (Aggregate Limit Of Liability) Endorsement HO 24 10 for providing coverage with the limit of liability on an annual aggregate limit basis.

Refer to Rule 701. when the policy liability limit is above or below $100,000 for the factor to apply to the premium amount.



RULE 611. INCIDENTAL LOW POWER RECREATIONAL MOTOR VEHICLE




RULE 612. OUTBOARD MOTORS AND WATERCRAFT

A. Introduction

Coverage is included in the policy form, at no additional charge, for certain watercraft powered by an outboard engine or motor or combination of outboard engines or motors of up to 25 horsepower, and sailboats less than 26 feet in overall length with or without auxiliary power. Coverage is also included for watercraft powered by inboard or inboard-outdrive engines or motors, including those that power a water jet pump, of 50 horse power or less when not owned by an insured or more than 50 horse power when not owned by or rented to an insured.


1. The policy may be endorsed to provide coverage for the following types of craft:

a. Watercraft, up to 26 feet in length powered by outboard engines or motors exceeding 25 horsepower; or powered by inboard or inboard-outdrive engines or motors, including those that power a water jet pump.

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

b. Sailboats 26 feet or more in overall length, with or without auxiliary power.

2. Coverage must be written to expiration of the policy. It is permissible, however, to stipulate for all watercraft eligible in this rule, the navigational period of each year. Premium shall be adjusted on a pro rata basis.

3. For watercraft not described in preceding Paragraphs A. and B.1., coverage is not permitted under the Homeowners Policy.

4. The premium in the state where the Insured's residence premises is located shall apply. However, if the insured owns another residence premises in a different state and principally operates the watercraft from that residence, apply the premium for that state.

C. Premium

1. Outboard, Inboard, or Inboard-Outdrive Engines or Motors:

Horsepower

Length

Up to 15 Feet Over 15 to 26 Feet

Rate Rate

UP to 50* $ 7 $ 10

51 to 100 11 15

101 to 150 16 19

151 to 200 Not Available 24

Over 200 Not Available Not Available

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

Table 612.C.1. Outboard, Inboard, Or Inboard-Outdrive Engines Or Motors

2. Sailboats With or Without Auxiliary Power:

Overall Length/Feet Rate

26 to 40 feet* $ 7

Over 40 feet Not Available

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

Table 612.C.2. Sailboats With Or Without Auxiliary Power

D. Endorsement

Use Watercraft Endorsement HO 24 75.


For Coverage E:


For Coverage F:




RULE 613. OWNED SNOWMOBILE




RULE 614. FARMERS PERSONAL LIABILITY




615. INCIDENTAL FARMING PERSONAL LIABILITY




RULE 616. OPTIONAL PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES

A. Coverage Outline

1. Basic Limits

When the optional Property Remediation For Escaped Liquid Fuel And Limited Lead And Escaped Liquid Fuel Liability Coverages endorsement is attached to the policy, limited amounts of insurance are automatically provided as follows:

a. Section I – Property Remediation For Escaped Liquid Fuel Coverage

$10,000 to pay for loss to covered real or personal property, owned by an insured, that is damaged by liquid fuel that escapes from a fuel system on the residence premises as defined in the coverage endorsements. Covered real property includes land, other than farm land, owned by an insured, on which a building or structure is located.

In addition to the primary residence identified in the policy Declarations, the defined term “residence premises” also includes other locations owned by an insured but only if such locations have a fuel system, is specifically insured Section II of the policy and is declared on the schedule in the aforementioned coverage endorsements. Enter the address of such locations on these endorsements or the policy Declarations. The other locations may be owner-occupied or rented to others.

This property Remediation Coverage applies only for the policy period in which the insured first learns of the escaped fuel, even if the escape began before that policy period.

b. Section II – Limited Lead and Escaped Liquid Fuel Liability Coverages

$50,000 to pay for damages because of bodily injury or property damage involving fuel that escapes from a fuel system or involving the contamination or exposure of lead from any location insured under the policy.

2. Premium Credit

a. $9 (All forms except 4 & 6)

b. $1 (Form 4)

c. $3 (Form 6)

d. Subtract the premium credit from the total policy premium.

3. Fuel System

a. “Fuel System” is defined in the coverage endorsements. Briefly, it includes one or more storage containers, tanks, or vessels with a total combined capacity of 100 or more U.S. gallons at any one location and any related equipment such as a furnace, a water heater, fittings and pipes connecting a furnace or water heater to the fuel storage tank, and filler pipes and flues connected to a fuel storage tank.

b. When the total combined storage capacity of liquid fuel at any insured location is less then 100 U.S. gallons, the:

(1) Property Remediation Coverage does not apply to that location; and

(2) Policy limits and provisions apply for Escaped Liquid Fuel Liability to that location.

4. Endorsements

a. Use Property Remediation For Escaped Liquid Fuel And Limited Lead And Escaped Liquid Fuel Liability Coverages Endorsement.

(1) HO 05 76 – For all forms other than HO 00 04 and HO 00 06.

(2) HO 05 77 – For Form HO 00 04.

(3) HO 05 78 – For Form HO 00 06.

b. These endorsements provide complete details on coverages, limitations, definitions and additional policy conditions applicable to this coverage. Enter the limits of liability that apply to the Property Remediation Coverage and the Limited Liability Coverage on the endorsement. Also enter on this endorsement, the address of any other location, other than the primary residence to be insured for Property Remediation Coverage.

c. Do not use these endorsements when Farmers Personal Liability Endorsement HO 24 73 is part of the policy.

B. Higher Limits

1. Section I – Property Remediation Coverage

a. Limits may be increased to $25,000, $50,000 or $100,000. The limit selected is entered on the coverage endorsement or the policy Declarations.

b. Refer to Paragraph D. Rating Basis, for premium computation instructions.

2. Section II – Escaped Fuel And Lead Liability Coverage



a. Limits may be increased to $100,000 or $300,000. The limit selected is entered on the coverage endorsements or the policy Declarations.

b. Refer to Paragraph D. Rating Basis, for premium computation instructions.

C. Application Of Limits Of Liability

1. For Property Remediation Coverage, the limit selected is the most coverage that will be provided during the policy period regardless of the number of locations insured for Property Remediation Coverage, the number escapes of liquid fuel from a fuel system an insured first discovers or learns of during the policy period, or the number of claims made.

2. For Limited Lead And Escaped Liquid Fuel Liability Coverage, the limit selected is an aggregate limit and is the most coverage that will be provided during the policy period regardless of the number of persons injured, the number of persons whose property is damaged, the number of insureds, the number of locations insured under this policy or the number of bodily injury or property damage claims made.

D. Rating Basis

1. Property Remediation For Escaped Liquid Fuel Coverage

a. From the Liquid Fuel Risk Selection Table located in Paragraph 4., select:

(1) The liquid fuel risk description that best describes each location, with or without a dwelling building, insured for Property Remediation Coverage; and

(2) The corresponding Risk Class Number for each description identified.

b. Use the lowest Risk Class Number selected for all such locations.

2. Limited Lead And Escaped Liquid Fuel Liability Coverages

a. Liquid Fuel Hazard

(1) From the Liquid Fuel Risk Selection Table located in Paragraph 4., select:

(a) The liquid risk description that best describes each location, with or without a dwelling building, insured under Section II of the policy; and

(b) The corresponding Risk Class Number for each description identified.

(2) Use the lowest Risk Class Number selected for all such locations.

b. Lead Hazard

(1) From the Lead Risk Selection Table in Paragraph 5., select:

(a) The lead risk description that best decribes each location with a dwelling building, insured under Section II of the policy; and

(b) The corresponding Risk Class Number for each description identified.

(2) Use the lowest Risk Class Number selected for all such locations.

3. Premium Selection

a. Escaped Liquid Fuel Remediation Coverage

Liquid Fuel Risk Limit of Liability

Class Number $25,000 $50,000 $100,000

100 $40 $101 $199

200 $13 $34 $66

b. Lead and Escaped Liquid Fuel Liability Coverage

(1) No Insured Location Has a Home Day Care Business

Lead Risk Liquid Fuel Risk Class Liquid Fuel Risk Class Liquid Fuel Risk Class

Class Number 100 200 300

$100,000 $300,000 $100,000 $300,000 $100,000 $300,000

500 $57 $136 $18 $41 $9 $18

600 $53 $127 $14 $33 $4 $9

700 $53 $127 $14 $33 $4 $9



4. Liquid Fuel Risk Selection Table

Description Risk Class Number

(1) Liquid fuel storage containers, tanks, or vessels with a total combined storage capacity, at any one location, of 100 U.S. gallons or more are on covered real property, the location of the residence premises, or on any other insured location; and

(a) One of more fuel storage containers, tanks, or vessels are partially or completely buried below ground (inside or outside of a building or structure)

100

(b) Are all completely above ground (inside or outside of a building or structure); or

200

(2) No single location insured under this policy has an escaped fuel hazard described in preceding Items (1)(a) or (b).

*300

* This risk class number is only used when lead and escaped fuel liability increased limits is selected.

Table 616.D.4 Liquid Fuel Risk Selection

5. Lead Risk Selection Table

Location Has A Dwelling Built

All Such Locations

Are Certified Lead Safe+

Risk Class Number

Before 1980 No or Unknown

500

Before 1980 Yes 600

In 1980 or later Not Applicable

700

+ See Paragraph 6. For Lead Safe description.

Table 616.D.5. Lead Risk Selection

6. Lead Safe

a. Description

For the purpose of using the Lead Risk Selection Table, a location certified lead safe means that an authorized person has conducted a risk assessment in all insured locations with dwelling to determine the amount of lead, if any, in paint, dust, bare soil and drinking water and has certified that such locations meet the criteria noted in Paragraph b. Standards, that follows. The insurer may require a copy of the inspection report including laboratory results.

b. Standards

(1) The lead content of exterior and interior paint or other surface coating applied to dwelling buildings, other structures and fixtures is less then:

(a) 1.0 milligram per square centimeter based on testing by XRF analysis; or

(b) .5% of lead by weight based on testing by atomic absorption lad analysis.

(2) The amount of lead in interior dust particles in the dwelling building is less than:

(a) 40 micrograms per square foot on floors;

(b) 250 micrograms per square foot on interior window sills; or

(c) 400 micrograms per square foot on window troughs (wells).

(3) The lead concentration in bare soil is less than 400 parts per million in any area expected to be used by children.

(4) The lead concentration in drinking water is less than 0.015 milligrams per litter.



c. Authorized Person

For the purpose of this rule, an authorized person means:

(1) A lead inspector, lead technician, lead risk assessor or another similarly titled person who is trained under an accredited training program and certified by an approving authority; or

(2) A person otherwise found acceptable to the insurer;

To perform lead risk assessments in residential buildings.



RULE 617. CANINE LIABILITY EXCLUSION

Rule 617. Does not apply.



RULES 618. – 700.

RESERVED FOR FUTURE USE



PART VII

SECTION II – LIABILITY – OTHER EXPOSURES

INCREASED LIMITS

RULE 701. OTHER EXPOSURES – PERSONAL LIABILITY INCREASED

Apply the appropriate factor shown in the following table to the basic limits premium for each exposure.

Limit Factor

$300,000 1.32

$500,000 1.45

Table 701. Personal Liability Increased Limits



RULE 702. OTHER EXPOSURES – MEDICAL PAYMENTS TO OTHERS INCREASED LIMITS

Basic Limit Rule #

Coverage F – Medical Payments $2,000 $3,000 $4,000 $5,000

524. Other Members of an Insured’s Household $ 1 $ 2 $ 4 $ 5

526. Residence Held in Trust All Forms Except HO 00 04 1 2 4 5

527. Student Away From Home 1 2 4 5

602. Other Insured Locations Occupied By Insured 1 2 4 5

603. Residence Employees Not Applicable

604. Add’l Residence Rented to Others 1 2 4 5

605. Other Structures Rented to Others – Residence Premises 1 2 4 5

608. Permitted Incidental Occupancies

1. Residence Premises 6 12 18 23

2. Other Residences 4 7 11 13

609. Business Pursuits

1. Clerical Employees 1 2 4 5

2. Salesperson, Installation, etc.

Included or Excluded 1 2 4 5

3. Teachers

a. Lab, etc. 2 5 7 8

b. Not otherwise classified 1 2 4 5

c. Corporal Punishment Medical Payments Not Available

612. Outboard Motors and Watercraft

1. Outboard, Inboard or Inboard – Outboard engines or Motors

a) Up to 15 feet:

Up to 50 hp. 4 7 11 13

51 to 100 hp. 5 10 14 17

101 to 150 hp. 7 14 22 25

151 to 200 hp. Not Available

Over 200 hp. Not Available

b) Over 15 to 26 feet:

Up to 50 hp. 5 10 14 17

51 to 100 hp. 7 14 22 25

101 to 150 hp. 10 19 29 33

151 to 200 hp. 14 29 43 50

Over 200 hp. Not Available

2. Sailboats, with or without auxiliary power

26 to 40 feet 4 7 11 13

Over 40 feet Not Available

Table 702. Other Exposures – Medical Payments To Others Increased Limits


UPC NJ HO Manual HO-T-1 Ed. 06/08/14

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07511 705

07512 706

07513 707

07514 708

07522 709

07524 710

07533 711

07538 712

07543 713

07544 714

07601 162

07602 163

07603 164

07604 165

07605 166

07606 167

07607 168

07608 169

07620 170

07621 171



07624 172

07626 173

07627 174

07628 175

07630 176

07631 177

07632 178

07640 179

07641 180

07642 181

07643 182

07644 183

07645 184

07646 185

07647 186

07648 187

07649 188

07650 189

07652 190

07653 191

07656 192

07657 193

07660 194

07661 195

07662 196

07663 197

07666 198

07670 199

07675 201

07676 202

07677 203

07699 204

07701 530

07702 531

07703 532

07704 533

07709 534

07710 535

07711 536

07712 537

07715 538



07716 539

07717 540

07718 541

07719 542

07720 543

07721 544

07722 545

07723 546

07724 547

07726 548

07727 549

07728 550

07730 551

07731 552

07732 553

07733 554

07734 555

07735 556

07737 557

07738 558

07739 559

07740 560

07746 561

07747 490

07748 562

07750 563

07751 564

07752 565

07753 566

07754 567

07755 568

07756 569

07757 570

07758 571

07760 572

07762 573

07763 574

07764 575

07765 576

07799 577

07801 602



07802 603

07803 604

07806 605

07820 816

07821 768

07822 769

07823 817

07825 818

07826 770

07827 771

07828 606

07829 819

07830 416

07831 417

07832 820

07833 821

07834 607

07836 608

07837 772

07838 822

07839 773

07840 823

07842 609

07843 774

07844 824

07845 610

07846 825

07847 611

07848 775

07849 612

07850 613

07851 776

07852 614

07853 615

07855 777

07856 616

07857 617

07860 778

07863 826

07865 827

07866 618



07869 619

07870 620

07871 779

07874 780

07875 781

07876 621

07877 782

07878 622

07879 783

07880 828

07881 784

07882 829

07885 623

07890 785

07901 812

07902 813

07920 730

07921 731

07922 814

07924 732

07926 624

07927 625

07928 626

07930 627

07931 733

07932 628

07933 629

07934 734

07935 630

07936 631

07938 735

07939 736

07940 632

07945 633

07946 634

07950 635

07960 636

07961 637

07962 638

07963 639

07970 640



07974 815

07976 641

07977 737

07978 738

07979 418

07980 642

07981 643

07999 644

08001 715

08002 239

08003 240

08004 241

08005 645

08006 646

08007 242

08008 647

08009 243

08010 205

08011 206

08012 244

08014 364

08015 207

08016 208

08018 245

08019 209

08020 365

08021 246

08022 210

08023 716

08025 366

08026 247

08027 367

08028 368

08029 248

08030 249

08031 250

08032 369

08033 251

08034 252

08035 253

08036 211



08037 101

08038 717

08039 370

08041 212

08042 213

08043 254

08045 255

08046 214

08048 215

08049 256

08050 648

08051 371

08052 216

08053 217

08054 218

08055 219

08056 372

08057 220

08059 257

08060 221

08061 373

08062 374

08063 375

08064 222

08065 223

08066 376

08067 718

08068 224

08069 719

08070 720

08071 377

08072 721

08073 225

08074 378

08075 226

08076 227

08077 228

08078 258

08079 722

08080 379

08081 259



08083 260

08084 261

08085 380

08086 381

08087 649

08088 229

08089 262

08090 382

08091 263

08092 650

08093 383

08094 384

08095 264

08096 385

08097 386

08098 723

08099 265

08101 266

08102 267

08103 268

08104 269

08105 270

08106 271

08107 272

08108 273

08109 274

08110 275

08201 102

08202 276

08203 103

08204 277

08205 104

08210 278

08212 279

08213 105

08214 280

08215 106

08217 107

08218 281

08219 282

08220 108



08221 109

08223 283

08224 230

08225 110

08226 284

08230 285

08231 111

08232 112

08234 113

08240 114

08241 115

08242 286

08243 287

08244 116

08245 288

08246 289

08247 290

08248 291

08250 292

08251 293

08252 294

08260 295

08270 296

08302 297

08310 117

08311 298

08312 387

08313 299

08314 301

08315 302

08316 303

08317 118

08318 724

08319 119

08320 304

08321 305

08322 388

08323 306

08324 307

08326 120

08327 308



08328 389

08329 309

08330 121

08332 310

08340 311

08341 122

08342 123

08343 725

08344 390

08345 312

08346 124

08347 726

08348 313

08349 314

08350 125

08352 315

08353 316

08360 126

08361 317

08362 318

08401 127

08402 128

08403 129

08404 130

08405 131

08406 132

08501 578

08502 739

08504 740

08505 231

08510 579

08511 232

08512 491

08514 580

08515 233

08518 234

08520 445

08525 446

08526 581

08527 651

08528 741



08530 419

08533 652

08534 447

08535 582

08536 492

08540 448

08541 449

08542 450

08543 451

08544 452

08550 453

08551 420

08553 742

08554 235

08555 583

08556 421

08557 422

08558 743

08559 423

08560 454

08561 455

08562 236

08601 456

08602 457

08603 458

08604 459

08605 460

08606 461

08607 462

08608 463

08609 464

08610 465

08611 466

08618 467

08619 468

08620 469

08625 470

08628 471

08629 472

08638 473

08640 237



08641 238

08645 474

08646 475

08647 476

08648 477

08650 478

08666 479

08690 480

08691 481

08695 482

08701 653

08720 584

08721 654

08722 655

08723 656

08724 657

08730 585

08731 658

08732 659

08733 660

08734 661

08735 662

08736 586

08738 663

08739 664

08740 665

08741 666

08742 667

08750 587

08751 668

08752 669

08753 670

08754 671

08755 672

08756 673

08757 674

08758 675

08759 676

08801 424

08802 425

08803 426



08804 427

08805 744

08807 745

08808 830

08809 428

08810 493

08812 746

08816 494

08817 495

08818 496

08820 497

08821 747

08822 429

08823 748

08824 498

08825 430

08826 431

08827 432

08828 499

08829 433

08830 501

08831 502

08832 503

08833 434

08834 435

08835 749

08836 750

08837 504

08840 505

08844 751

08846 506

08848 436

08850 507

08852 508

08853 752

08854 509

08855 510

08857 511

08858 437

08859 512

08861 513



08862 514

08863 515

08865 831

08867 438

08868 439

08869 753

08870 440

08871 516

08872 517

08873 754

08875 755

08876 756

08879 518

08880 757

08882 519

08884 520

08885 441

08886 832

08887 442

08888 443

08889 444

08890 758

08899 521

08901 522

08902 523

08903 524

08904 525

08905 526

08906 527

08933 528

08989 529

2. Territory Definitions – Earthquake

EQ Territory

Entire State 21



TIERS

The following rate pages show rates for the Ultra Tier. For the Preferred Tier, multiply the Key Premium by 1.33. For the Ultra Tier, multiply the Key Premium by 1.00. For the Ultra Plus Tier, multiply the Key Premium by 0.847. For the Platinum Tier, multiply the Key Premium by 0.782. For the Platinum Plus Tier, multiply the Key Premium by 0.717.

Qualifications for each tier are listed below.

Key Attributes Preferred Ultra Ultra Plus Platinum Platinum Plus

Credit Based Insurance Score (Maximum)

652 717 (Includes No Hit / No Score)

774 836 997

Losses

Property* No more than 2 1 0 0 0

Liability No more than 1 0 0 0 0

Number of Units**

1 or 2 1 or 2 1 1 1

Policy Form HO-3, HO-4, HO-5 & HO-6

HO-3, HO-4, HO-5 & HO-6

HO-3, HO-5 & HO-6

HO-3, HO-5 & HO-6

HO-3, HO-5 & HO-6

Protection Class 1 - 9 1 - 9 1 - 8 1 - 8 1 – 8

Seasonal / Secondary

Yes Yes No No No

* Up to 2 Property Losses less than $1,500, within the prior 3 years, will not be considered a loss. ** The number of units attribute does not apply to HO-4 or HO-6 policies. The risk must meet every characteristic listed in the tier requirements. In accordance with Department Bulletin 09-28, an insurance score rule is required for Extra Ordinary Life Events including, but not limited to, a catastrophic illness or injury; the death of spouse, child, or parent; temporary loss of employment; divorce, identity theft; and military deployment overseas. In such cases, the insurer consider only credit information not affected by the event or shall assign a neutral credit score.



RULE 301. TERRITORY PREMIUM COMPUTATION

A.1.a. ALL FORMS EXCEPT HO 00 04 & HO 00 06 2. a. Key Factor Table (Table A)

KEY PREMIUMS

TERRITORY PROT. CONSTR. HO 00 03

101 1-7 FRAME $308

102 1-7 FRAME $308

103 1-7 FRAME $308

104 1-7 FRAME $308

105 1-7 FRAME $308

106 1-7 FRAME $308

107 1-7 FRAME $308

108 1-7 FRAME $308

109 1-7 FRAME $308

110 1-7 FRAME $308

111 1-7 FRAME $308

112 1-7 FRAME $308

113 1-7 FRAME $308

114 1-7 FRAME $308

115 1-7 FRAME $308

116 1-7 FRAME $308

117 1-7 FRAME $308

118 1-7 FRAME $308

119 1-7 FRAME $308

120 1-7 FRAME $308

121 1-7 FRAME $308

122 1-7 FRAME $308

123 1-7 FRAME $308

124 1-7 FRAME $308

125 1-7 FRAME $308

126 1-7 FRAME $308

127 1-7 FRAME $308

128 1-7 FRAME $308

129 1-7 FRAME $308

COVERAGE A AMOUNT *** in

000 Factor

COVERAGE A AMOUNT *** in 000 Factor

$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291

Each Additional $10,000 .050

$250 Key Premium X Key Factor (ILF) X BCEG Factor X Tier Factor X No. of Families Factor X Form

Factors (for HO 3, 5) = Base Premium

MINIMUM LIMITS OF LIABILITY ***Section I – Property HO 00 03 & 05 All Locations $200,000 Section II – Liability All Forms Personal Liability $100,000 Medical Payments to Others $1,000





KEY PREMIUMS


130 1-7 FRAME $308

131 1-7 FRAME $308

132 1-7 FRAME $308

133 1-7 FRAME $242

134 1-7 FRAME $201

135 1-7 FRAME $239

136 1-7 FRAME $237

137 1-7 FRAME $242

138 1-7 FRAME $234

139 1-7 FRAME $233

140 1-7 FRAME $242

141 1-7 FRAME $241

142 1-7 FRAME $241

143 1-7 FRAME $226

144 1-7 FRAME $242

145 1-7 FRAME $242

146 1-7 FRAME $242

147 1-7 FRAME $234

148 1-7 FRAME $242

149 1-7 FRAME $228

150 1-7 FRAME $216

151 1-7 FRAME $242

152 1-7 FRAME $229

153 1-7 FRAME $242

154 1-7 FRAME $239

155 1-7 FRAME $242

156 1-7 FRAME $221

157 1-7 FRAME $242

158 1-7 FRAME $242


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


159 1-7 FRAME $242

160 1-7 FRAME $242

161 1-7 FRAME $221

162 1-7 FRAME $242

163 1-7 FRAME $221

164 1-7 FRAME $242

165 1-7 FRAME $242

166 1-7 FRAME $240

167 1-7 FRAME $229

168 1-7 FRAME $242

169 1-7 FRAME $221

170 1-7 FRAME $204

171 1-7 FRAME $242

172 1-7 FRAME $242

173 1-7 FRAME $234

174 1-7 FRAME $239

175 1-7 FRAME $242

176 1-7 FRAME $242

177 1-7 FRAME $242

178 1-7 FRAME $232

179 1-7 FRAME $241

180 1-7 FRAME $219

181 1-7 FRAME $238

182 1-7 FRAME $242

183 1-7 FRAME $240

184 1-7 FRAME $227

185 1-7 FRAME $242

186 1-7 FRAME $242

187 1-7 FRAME $206


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


188 1-7 FRAME $240

189 1-7 FRAME $232

190 1-7 FRAME $242

191 1-7 FRAME $221

192 1-7 FRAME $228

193 1-7 FRAME $237

194 1-7 FRAME $242

195 1-7 FRAME $242

196 1-7 FRAME $242

197 1-7 FRAME $240

198 1-7 FRAME $242

199 1-7 FRAME $236

201 1-7 FRAME $242

202 1-7 FRAME $239

203 1-7 FRAME $242

204 1-7 FRAME $221

276 1-7 FRAME $248

277 1-7 FRAME $248

278 1-7 FRAME $248

279 1-7 FRAME $248

280 1-7 FRAME $248

281 1-7 FRAME $248

282 1-7 FRAME $248

283 1-7 FRAME $248

284 1-7 FRAME $248

285 1-7 FRAME $248

286 1-7 FRAME $248

287 1-7 FRAME $248

288 1-7 FRAME $248


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


289 1-7 FRAME $248

290 1-7 FRAME $248

291 1-7 FRAME $248

292 1-7 FRAME $248

293 1-7 FRAME $248

294 1-7 FRAME $248

295 1-7 FRAME $248

296 1-7 FRAME $248

319 1-7 FRAME $330

320 1-7 FRAME $330

321 1-7 FRAME $328

322 1-7 FRAME $302

323 1-7 FRAME $322

324 1-7 FRAME $510

325 1-7 FRAME $454

326 1-7 FRAME $486

327 1-7 FRAME $330

328 1-7 FRAME $330

329 1-7 FRAME $329

330 1-7 FRAME $330

331 1-7 FRAME $330

332 1-7 FRAME $330

333 1-7 FRAME $329

334 1-7 FRAME $320

335 1-7 FRAME $330

336 1-7 FRAME $302

337 1-7 FRAME $330

338 1-7 FRAME $324

339 1-7 FRAME $330


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


340 1-7 FRAME $330

341 1-7 FRAME $452

342 1-7 FRAME $348

343 1-7 FRAME $482

344 1-7 FRAME $494

345 1-7 FRAME $442

346 1-7 FRAME $480

347 1-7 FRAME $458

348 1-7 FRAME $494

349 1-7 FRAME $330

350 1-7 FRAME $330

351 1-7 FRAME $320

352 1-7 FRAME $453

353 1-7 FRAME $399

354 1-7 FRAME $452

355 1-7 FRAME $452

356 1-7 FRAME $452

357 1-7 FRAME $452

358 1-7 FRAME $452

359 1-7 FRAME $452

360 1-7 FRAME $452

361 1-7 FRAME $452

362 1-7 FRAME $452

363 1-7 FRAME $452

391 1-7 FRAME $325

392 1-7 FRAME $346

393 1-7 FRAME $361

394 1-7 FRAME $392

395 1-7 FRAME $380


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


396 1-7 FRAME $346

397 1-7 FRAME $326

398 1-7 FRAME $345

399 1-7 FRAME $364

401 1-7 FRAME $364

402 1-7 FRAME $350

403 1-7 FRAME $364

404 1-7 FRAME $343

405 1-7 FRAME $350

406 1-7 FRAME $362

407 1-7 FRAME $365

408 1-7 FRAME $346

409 1-7 FRAME $377

410 1-7 FRAME $350

411 1-7 FRAME $350

412 1-7 FRAME $350

413 1-7 FRAME $350

414 1-7 FRAME $350

415 1-7 FRAME $350

416 1-7 FRAME $248

417 1-7 FRAME $227

418 1-7 FRAME $227

419 1-7 FRAME $248

420 1-7 FRAME $248

421 1-7 FRAME $227

422 1-7 FRAME $227

423 1-7 FRAME $197

424 1-7 FRAME $248

425 1-7 FRAME $248


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


426 1-7 FRAME $227

427 1-7 FRAME $248

428 1-7 FRAME $248

429 1-7 FRAME $248

430 1-7 FRAME $217

431 1-7 FRAME $209

432 1-7 FRAME $176

433 1-7 FRAME $236

434 1-7 FRAME $245

435 1-7 FRAME $248

436 1-7 FRAME $243

437 1-7 FRAME $227

438 1-7 FRAME $237

439 1-7 FRAME $227

440 1-7 FRAME $227

441 1-7 FRAME $227

442 1-7 FRAME $227

443 1-7 FRAME $227

444 1-7 FRAME $248

445 1-7 FRAME $221

446 1-7 FRAME $221

447 1-7 FRAME $221

448 1-7 FRAME $221

449 1-7 FRAME $202

450 1-7 FRAME $221

451 1-7 FRAME $202

452 1-7 FRAME $202

453 1-7 FRAME $221

454 1-7 FRAME $208


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


455 1-7 FRAME $202

483 1-7 FRAME $217

484 1-7 FRAME $229

485 1-7 FRAME $210

486 1-7 FRAME $229

487 1-7 FRAME $218

488 1-7 FRAME $229

489 1-7 FRAME $272

490 1-7 FRAME $225

491 1-7 FRAME $229

492 1-7 FRAME $229

493 1-7 FRAME $229

494 1-7 FRAME $229

495 1-7 FRAME $229

496 1-7 FRAME $209

497 1-7 FRAME $229

498 1-7 FRAME $229

499 1-7 FRAME $226

501 1-7 FRAME $229

502 1-7 FRAME $229

503 1-7 FRAME $187

504 1-7 FRAME $229

505 1-7 FRAME $229

506 1-7 FRAME $229

507 1-7 FRAME $222

508 1-7 FRAME $229

509 1-7 FRAME $229

510 1-7 FRAME $209

511 1-7 FRAME $229


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


512 1-7 FRAME $229

513 1-7 FRAME $227

514 1-7 FRAME $209

515 1-7 FRAME $229

516 1-7 FRAME $205

517 1-7 FRAME $229

518 1-7 FRAME $227

519 1-7 FRAME $229

520 1-7 FRAME $229

521 1-7 FRAME $209

522 1-7 FRAME $229

523 1-7 FRAME $229

524 1-7 FRAME $209

525 1-7 FRAME $225

526 1-7 FRAME $209

527 1-7 FRAME $209

528 1-7 FRAME $209

529 1-7 FRAME $209

530 1-7 FRAME $304

531 1-7 FRAME $304

532 1-7 FRAME $304

533 1-7 FRAME $304

534 1-7 FRAME $304

535 1-7 FRAME $304

536 1-7 FRAME $304

537 1-7 FRAME $304

538 1-7 FRAME $304

539 1-7 FRAME $304

540 1-7 FRAME $304


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


541 1-7 FRAME $304

542 1-7 FRAME $304

543 1-7 FRAME $304

544 1-7 FRAME $304

545 1-7 FRAME $304

546 1-7 FRAME $304

547 1-7 FRAME $304

548 1-7 FRAME $304

549 1-7 FRAME $304

550 1-7 FRAME $304

551 1-7 FRAME $304

552 1-7 FRAME $304

553 1-7 FRAME $304

554 1-7 FRAME $304

555 1-7 FRAME $304

556 1-7 FRAME $255

557 1-7 FRAME $304

558 1-7 FRAME $304

559 1-7 FRAME $304

560 1-7 FRAME $304

561 1-7 FRAME $304

562 1-7 FRAME $304

563 1-7 FRAME $304

564 1-7 FRAME $304

565 1-7 FRAME $304

566 1-7 FRAME $304

567 1-7 FRAME $304

568 1-7 FRAME $304

569 1-7 FRAME $304


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


570 1-7 FRAME $304

571 1-7 FRAME $304

572 1-7 FRAME $304

573 1-7 FRAME $304

574 1-7 FRAME $304

575 1-7 FRAME $304

576 1-7 FRAME $304

577 1-7 FRAME $304

578 1-7 FRAME $304

579 1-7 FRAME $304

580 1-7 FRAME $304

581 1-7 FRAME $304

582 1-7 FRAME $304

583 1-7 FRAME $304

584 1-7 FRAME $304

585 1-7 FRAME $304

586 1-7 FRAME $304

587 1-7 FRAME $304

588 1-7 FRAME $235

589 1-7 FRAME $235

590 1-7 FRAME $235

591 1-7 FRAME $235

592 1-7 FRAME $233

593 1-7 FRAME $235

594 1-7 FRAME $235

595 1-7 FRAME $235

596 1-7 FRAME $235

597 1-7 FRAME $235

598 1-7 FRAME $235


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


599 1-7 FRAME $235

601 1-7 FRAME $235

602 1-7 FRAME $235

603 1-7 FRAME $215

604 1-7 FRAME $235

605 1-7 FRAME $215

606 1-7 FRAME $235

607 1-7 FRAME $235

608 1-7 FRAME $235

609 1-7 FRAME $215

610 1-7 FRAME $215

611 1-7 FRAME $227

612 1-7 FRAME $235

613 1-7 FRAME $235

614 1-7 FRAME $235

615 1-7 FRAME $234

616 1-7 FRAME $235

617 1-7 FRAME $235

618 1-7 FRAME $235

619 1-7 FRAME $235

620 1-7 FRAME $215

621 1-7 FRAME $235

622 1-7 FRAME $198

623 1-7 FRAME $235

624 1-7 FRAME $215

625 1-7 FRAME $233

626 1-7 FRAME $235

627 1-7 FRAME $235

628 1-7 FRAME $225


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


629 1-7 FRAME $235

630 1-7 FRAME $235

631 1-7 FRAME $235

632 1-7 FRAME $235

633 1-7 FRAME $235

634 1-7 FRAME $223

635 1-7 FRAME $235

636 1-7 FRAME $235

637 1-7 FRAME $215

638 1-7 FRAME $215

639 1-7 FRAME $215

640 1-7 FRAME $215

641 1-7 FRAME $167

642 1-7 FRAME $227

643 1-7 FRAME $231

644 1-7 FRAME $215

645 1-7 FRAME $248

646 1-7 FRAME $248

647 1-7 FRAME $248

648 1-7 FRAME $248

649 1-7 FRAME $248

650 1-7 FRAME $248

651 1-7 FRAME $248

652 1-7 FRAME $248

653 1-7 FRAME $248

654 1-7 FRAME $248

655 1-7 FRAME $248

656 1-7 FRAME $248

657 1-7 FRAME $248


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


658 1-7 FRAME $248

659 1-7 FRAME $248

660 1-7 FRAME $248

661 1-7 FRAME $248

662 1-7 FRAME $248

663 1-7 FRAME $248

664 1-7 FRAME $248

665 1-7 FRAME $248

666 1-7 FRAME $248

667 1-7 FRAME $248

668 1-7 FRAME $248

669 1-7 FRAME $248

670 1-7 FRAME $248

671 1-7 FRAME $248

672 1-7 FRAME $248

673 1-7 FRAME $248

674 1-7 FRAME $248

675 1-7 FRAME $248

676 1-7 FRAME $248

677 1-7 FRAME $368

678 1-7 FRAME $339

679 1-7 FRAME $371

680 1-7 FRAME $338

681 1-7 FRAME $339

682 1-7 FRAME $506

683 1-7 FRAME $289

684 1-7 FRAME $306

685 1-7 FRAME $273

686 1-7 FRAME $424


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


687 1-7 FRAME $317

688 1-7 FRAME $311

689 1-7 FRAME $301

690 1-7 FRAME $303

691 1-7 FRAME $317

692 1-7 FRAME $290

693 1-7 FRAME $317

694 1-7 FRAME $454

695 1-7 FRAME $454

696 1-7 FRAME $454

697 1-7 FRAME $438

698 1-7 FRAME $415

699 1-7 FRAME $315

701 1-7 FRAME $290

702 1-7 FRAME $449

703 1-7 FRAME $415

704 1-7 FRAME $418

705 1-7 FRAME $290

706 1-7 FRAME $317

707 1-7 FRAME $313

708 1-7 FRAME $317

709 1-7 FRAME $317

710 1-7 FRAME $270

711 1-7 FRAME $290

712 1-7 FRAME $290

713 1-7 FRAME $290

714 1-7 FRAME $290

727 1-7 FRAME $229

728 1-7 FRAME $229


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


729 1-7 FRAME $229

730 1-7 FRAME $229

731 1-7 FRAME $229

732 1-7 FRAME $216

733 1-7 FRAME $229

734 1-7 FRAME $219

735 1-7 FRAME $209

736 1-7 FRAME $209

737 1-7 FRAME $205

738 1-7 FRAME $209

739 1-7 FRAME $229

740 1-7 FRAME $209

741 1-7 FRAME $209

742 1-7 FRAME $209

743 1-7 FRAME $229

744 1-7 FRAME $214

745 1-7 FRAME $229

746 1-7 FRAME $229

747 1-7 FRAME $229

748 1-7 FRAME $221

749 1-7 FRAME $229

750 1-7 FRAME $212

751 1-7 FRAME $229

752 1-7 FRAME $229

753 1-7 FRAME $229

754 1-7 FRAME $229

755 1-7 FRAME $209

756 1-7 FRAME $229

757 1-7 FRAME $229


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


758 1-7 FRAME $209

759 1-7 FRAME $217

760 1-7 FRAME $181

761 1-7 FRAME $246

762 1-7 FRAME $248

763 1-7 FRAME $227

764 1-7 FRAME $248

765 1-7 FRAME $205

766 1-7 FRAME $248

767 1-7 FRAME $248

768 1-7 FRAME $248

769 1-7 FRAME $198

770 1-7 FRAME $248

771 1-7 FRAME $241

772 1-7 FRAME $227

773 1-7 FRAME $227

774 1-7 FRAME $243

775 1-7 FRAME $234

776 1-7 FRAME $227

777 1-7 FRAME $227

778 1-7 FRAME $248

779 1-7 FRAME $248

780 1-7 FRAME $248

781 1-7 FRAME $227

782 1-7 FRAME $227

783 1-7 FRAME $227

784 1-7 FRAME $227

785 1-7 FRAME $227

786 1-7 FRAME $346


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


787 1-7 FRAME $312

788 1-7 FRAME $292

789 1-7 FRAME $324

790 1-7 FRAME $344

791 1-7 FRAME $324

792 1-7 FRAME $326

793 1-7 FRAME $354

794 1-7 FRAME $354

795 1-7 FRAME $334

796 1-7 FRAME $353

797 1-7 FRAME $325

798 1-7 FRAME $354

799 1-7 FRAME $308

801 1-7 FRAME $354

802 1-7 FRAME $324

803 1-7 FRAME $315

804 1-7 FRAME $378

805 1-7 FRAME $367

806 1-7 FRAME $351

807 1-7 FRAME $333

808 1-7 FRAME $331

809 1-7 FRAME $402

810 1-7 FRAME $442

811 1-7 FRAME $390

812 1-7 FRAME $334

813 1-7 FRAME $324

814 1-7 FRAME $305

815 1-7 FRAME $341

816 1-7 FRAME $227


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291









KEY PREMIUMS


817 1-7 FRAME $237

818 1-7 FRAME $248

819 1-7 FRAME $227

820 1-7 FRAME $207

821 1-7 FRAME $227

822 1-7 FRAME $248

823 1-7 FRAME $248

824 1-7 FRAME $227

825 1-7 FRAME $227

826 1-7 FRAME $235

827 1-7 FRAME $229

828 1-7 FRAME $227

829 1-7 FRAME $248

830 1-7 FRAME $227

831 1-7 FRAME $248

832 1-7 FRAME $248


000 Factor


$75 0.795 $255 2.318

80 0.825 260 2.346

85 0.861 265 2.373

90 0.901 270 2.401

95 0.948 275 2.428

100 1.000 280 2.457

105 1.040 285 2.482

110 1.083 290 2.508

115 1.132 295 2.533

120 1.184 300 2.556

125 1.239 305 2.581

130 1.297 310 2.606

135 1.360 315 2.631

140 1.424 320 2.656

145 1.491 325 2.681

150 1.560 330 2.706

155 1.626 335 2.731

160 1.693 340 2.756

165 1.746 345 2.781

170 1.799 350 2.806

175 1.841 360 2.856

180 1.883 370 2.906

185 1.913 380 2.956

190 1.944 390 3.006

195 1.975 400 3.056

200 2.006 410 3.106

205 2.038 420 3.156

210 2.070 430 3.206

215 2.100 440 3.256

220 2.130 450 3.306

225 2.158 460 3.356

230 2.186 470 3.406

235 2.212 480 3.456

240 2.238 490 3.506

245 2.265 500 3.556

250 2.291








A.1.a. ALL FORMS EXCEPT HO 00 04 & HO 00 06 2. a. Key Factor Table (Table B)

KEY PREMIUMS


205 1-7 FRAME $353

206 1-7 FRAME $384

207 1-7 FRAME $385

208 1-7 FRAME $373

209 1-7 FRAME $336

210 1-7 FRAME $345

211 1-7 FRAME $341

212 1-7 FRAME $384

213 1-7 FRAME $384

214 1-7 FRAME $386

215 1-7 FRAME $343

216 1-7 FRAME $372

217 1-7 FRAME $361

218 1-7 FRAME $360

219 1-7 FRAME $350

220 1-7 FRAME $345

221 1-7 FRAME $367

222 1-7 FRAME $384

223 1-7 FRAME $226

224 1-7 FRAME $346

225 1-7 FRAME $384

226 1-7 FRAME $373

227 1-7 FRAME $341

228 1-7 FRAME $362

229 1-7 FRAME $350

230 1-7 FRAME $323

231 1-7 FRAME $347

232 1-7 FRAME $284

233 1-7 FRAME $323


000 Factor


$75 0.795 $255 2.393

80 0.825 260 2.431

85 0.861 265 2.468

90 0.901 270 2.506

95 0.948 275 2.544

100 1.000 280 2.582

105 1.036 285 2.618

110 1.073 290 2.655

115 1.116 295 2.690

120 1.161 300 2.725

125 1.209 305 2.760

130 1.259 310 2.795

135 1.314 315 2.830

140 1.369 320 2.865

145 1.427 325 2.900

150 1.486 330 2.935

155 1.545 335 2.970

160 1.604 340 3.005

165 1.656 345 3.040

170 1.708 350 3.075

175 1.755 360 3.145

180 1.801 370 3.215

185 1.841 380 3.285

190 1.882 390 3.355

195 1.923 400 3.425

200 1.964 410 3.495

205 2.005 420 3.565

210 2.047 430 3.635

215 2.087 440 3.705

220 2.127 450 3.775

225 2.166 460 3.845

230 2.204 470 3.915

235 2.242 480 3.985

240 2.279 490 4.055

245 2.317 500 4.125

250 2.355









KEY PREMIUMS


234 1-7 FRAME $319

235 1-7 FRAME $337

236 1-7 FRAME $258

237 1-7 FRAME $384

238 1-7 FRAME $384

239 1-7 FRAME $415

240 1-7 FRAME $428

241 1-7 FRAME $399

242 1-7 FRAME $403

243 1-7 FRAME $382

244 1-7 FRAME $417

245 1-7 FRAME $421

246 1-7 FRAME $448

247 1-7 FRAME $369

248 1-7 FRAME $402

249 1-7 FRAME $406

250 1-7 FRAME $437

251 1-7 FRAME $403

252 1-7 FRAME $424

253 1-7 FRAME $404

254 1-7 FRAME $423

255 1-7 FRAME $440

256 1-7 FRAME $405

257 1-7 FRAME $451

258 1-7 FRAME $440

259 1-7 FRAME $459

260 1-7 FRAME $388

261 1-7 FRAME $419

262 1-7 FRAME $378


000 Factor


$75 0.795 $255 2.393

80 0.825 260 2.431

85 0.861 265 2.468

90 0.901 270 2.506

95 0.948 275 2.544

100 1.000 280 2.582

105 1.036 285 2.618

110 1.073 290 2.655

115 1.116 295 2.690

120 1.161 300 2.725

125 1.209 305 2.760

130 1.259 310 2.795

135 1.314 315 2.830

140 1.369 320 2.865

145 1.427 325 2.900

150 1.486 330 2.935

155 1.545 335 2.970

160 1.604 340 3.005

165 1.656 345 3.040

170 1.708 350 3.075

175 1.755 360 3.145

180 1.801 370 3.215

185 1.841 380 3.285

190 1.882 390 3.355

195 1.923 400 3.425

200 1.964 410 3.495

205 2.005 420 3.565

210 2.047 430 3.635

215 2.087 440 3.705

220 2.127 450 3.775

225 2.166 460 3.845

230 2.204 470 3.915

235 2.242 480 3.985

240 2.279 490 4.055

245 2.317 500 4.125

250 2.355









KEY PREMIUMS


263 1-7 FRAME $386

264 1-7 FRAME $421

265 1-7 FRAME $421

266 1-7 FRAME $458

267 1-7 FRAME $460

268 1-7 FRAME $475

269 1-7 FRAME $442

270 1-7 FRAME $501

271 1-7 FRAME $396

272 1-7 FRAME $429

273 1-7 FRAME $425

274 1-7 FRAME $459

275 1-7 FRAME $450

297 1-7 FRAME $404

298 1-7 FRAME $324

299 1-7 FRAME $419

301 1-7 FRAME $386

302 1-7 FRAME $419

303 1-7 FRAME $419

304 1-7 FRAME $419

305 1-7 FRAME $394

306 1-7 FRAME $292

307 1-7 FRAME $325

308 1-7 FRAME $417

309 1-7 FRAME $333

310 1-7 FRAME $421

311 1-7 FRAME $351

312 1-7 FRAME $303

313 1-7 FRAME $419


000 Factor


$75 0.795 $255 2.393

80 0.825 260 2.431

85 0.861 265 2.468

90 0.901 270 2.506

95 0.948 275 2.544

100 1.000 280 2.582

105 1.036 285 2.618

110 1.073 290 2.655

115 1.116 295 2.690

120 1.161 300 2.725

125 1.209 305 2.760

130 1.259 310 2.795

135 1.314 315 2.830

140 1.369 320 2.865

145 1.427 325 2.900

150 1.486 330 2.935

155 1.545 335 2.970

160 1.604 340 3.005

165 1.656 345 3.040

170 1.708 350 3.075

175 1.755 360 3.145

180 1.801 370 3.215

185 1.841 380 3.285

190 1.882 390 3.355

195 1.923 400 3.425

200 1.964 410 3.495

205 2.005 420 3.565

210 2.047 430 3.635

215 2.087 440 3.705

220 2.127 450 3.775

225 2.166 460 3.845

230 2.204 470 3.915

235 2.242 480 3.985

240 2.279 490 4.055

245 2.317 500 4.125

250 2.355









KEY PREMIUMS


314 1-7 FRAME $353

315 1-7 FRAME $419

316 1-7 FRAME $292

317 1-7 FRAME $400

318 1-7 FRAME $419

364 1-7 FRAME $420

365 1-7 FRAME $351

366 1-7 FRAME $384

367 1-7 FRAME $365

368 1-7 FRAME $368

369 1-7 FRAME $407

370 1-7 FRAME $384

371 1-7 FRAME $348

372 1-7 FRAME $335

373 1-7 FRAME $341

374 1-7 FRAME $343

375 1-7 FRAME $374

376 1-7 FRAME $381

377 1-7 FRAME $359

378 1-7 FRAME $384

379 1-7 FRAME $369

380 1-7 FRAME $353

381 1-7 FRAME $388

382 1-7 FRAME $380

383 1-7 FRAME $362

384 1-7 FRAME $372

385 1-7 FRAME $371

386 1-7 FRAME $351

387 1-7 FRAME $359


000 Factor


$75 0.795 $255 2.393

80 0.825 260 2.431

85 0.861 265 2.468

90 0.901 270 2.506

95 0.948 275 2.544

100 1.000 280 2.582

105 1.036 285 2.618

110 1.073 290 2.655

115 1.116 295 2.690

120 1.161 300 2.725

125 1.209 305 2.760

130 1.259 310 2.795

135 1.314 315 2.830

140 1.369 320 2.865

145 1.427 325 2.900

150 1.486 330 2.935

155 1.545 335 2.970

160 1.604 340 3.005

165 1.656 345 3.040

170 1.708 350 3.075

175 1.755 360 3.145

180 1.801 370 3.215

185 1.841 380 3.285

190 1.882 390 3.355

195 1.923 400 3.425

200 1.964 410 3.495

205 2.005 420 3.565

210 2.047 430 3.635

215 2.087 440 3.705

220 2.127 450 3.775

225 2.166 460 3.845

230 2.204 470 3.915

235 2.242 480 3.985

240 2.279 490 4.055

245 2.317 500 4.125

250 2.355









KEY PREMIUMS


388 1-7 FRAME $337

389 1-7 FRAME $341

390 1-7 FRAME $348

456 1-7 FRAME $364

457 1-7 FRAME $364

458 1-7 FRAME $364

459 1-7 FRAME $364

460 1-7 FRAME $364

461 1-7 FRAME $364

462 1-7 FRAME $364

463 1-7 FRAME $364

464 1-7 FRAME $382

465 1-7 FRAME $230

466 1-7 FRAME $398

467 1-7 FRAME $398

468 1-7 FRAME $398

469 1-7 FRAME $398

470 1-7 FRAME $364

471 1-7 FRAME $398

472 1-7 FRAME $398

473 1-7 FRAME $398

474 1-7 FRAME $364

475 1-7 FRAME $364

476 1-7 FRAME $364

477 1-7 FRAME $364

478 1-7 FRAME $364

479 1-7 FRAME $364

480 1-7 FRAME $398

481 1-7 FRAME $398


000 Factor


$75 0.795 $255 2.393

80 0.825 260 2.431

85 0.861 265 2.468

90 0.901 270 2.506

95 0.948 275 2.544

100 1.000 280 2.582

105 1.036 285 2.618

110 1.073 290 2.655

115 1.116 295 2.690

120 1.161 300 2.725

125 1.209 305 2.760

130 1.259 310 2.795

135 1.314 315 2.830

140 1.369 320 2.865

145 1.427 325 2.900

150 1.486 330 2.935

155 1.545 335 2.970

160 1.604 340 3.005

165 1.656 345 3.040

170 1.708 350 3.075

175 1.755 360 3.145

180 1.801 370 3.215

185 1.841 380 3.285

190 1.882 390 3.355

195 1.923 400 3.425

200 1.964 410 3.495

205 2.005 420 3.565

210 2.047 430 3.635

215 2.087 440 3.705

220 2.127 450 3.775

225 2.166 460 3.845

230 2.204 470 3.915

235 2.242 480 3.985

240 2.279 490 4.055

245 2.317 500 4.125

250 2.355









KEY PREMIUMS


482 1-7 FRAME $364

715 1-7 FRAME $290

716 1-7 FRAME $378

717 1-7 FRAME $419

718 1-7 FRAME $350

719 1-7 FRAME $386

720 1-7 FRAME $411

721 1-7 FRAME $419

722 1-7 FRAME $378

723 1-7 FRAME $358

724 1-7 FRAME $365

725 1-7 FRAME $365

726 1-7 FRAME $419


000 Factor


$75 0.795 $255 2.393

80 0.825 260 2.431

85 0.861 265 2.468

90 0.901 270 2.506

95 0.948 275 2.544

100 1.000 280 2.582

105 1.036 285 2.618

110 1.073 290 2.655

115 1.116 295 2.690

120 1.161 300 2.725

125 1.209 305 2.760

130 1.259 310 2.795

135 1.314 315 2.830

140 1.369 320 2.865

145 1.427 325 2.900

150 1.486 330 2.935

155 1.545 335 2.970

160 1.604 340 3.005

165 1.656 345 3.040

170 1.708 350 3.075

175 1.755 360 3.145

180 1.801 370 3.215

185 1.841 380 3.285

190 1.882 390 3.355

195 1.923 400 3.425

200 1.964 410 3.495

205 2.005 420 3.565

210 2.047 430 3.635

215 2.087 440 3.705

220 2.127 450 3.775

225 2.166 460 3.845

230 2.204 470 3.915

235 2.242 480 3.985

240 2.279 490 4.055

245 2.317 500 4.125

250 2.355








B. FORM HO 00 04 2. a. Key Factor Table 1. Key Premium Tables

KEY PREMIUMS


391 1-7 FRAME $62

402, 404 - 415 1-7 FRAME $91

392-399, 401, 403

1-7 FRAME $112

324-326 1-7 FRAME $89

341-348, 352-363

1-7 FRAME $139

319-323, 327-340, 349-351

1-7 FRAME $74

101-132 1-7 FRAME $97

804-805, 809-811

1-7 FRAME $115

786-799, 801-803, 806-808,

812-815 1-7 FRAME $43

677-681 1-7 FRAME $39

682 1-7 FRAME $68

686, 694-698, 702-704, 706-

714 1-7 FRAME $106

683-685, 687-693, 699, 701,

705 1-7 FRAME $41

489 1-7 FRAME $69

483-488, 490-499, 501-529,

727-758 1-7 FRAME $54

266-270 1-7 FRAME $63

239-265, 271-275

1-7 FRAME $64

456-482 1-7 FRAME $55

445-455 1-7 FRAME $56

588-599, 601-644

1-7 FRAME $37

133-199, 201-204

1-7 FRAME $69

205-238, 364-390

1-7 FRAME $67

530-587 1-7 FRAME $79

416-444, 759-785, 816-832

1-7 FRAME $40

297-299, 301-318, 715-726

1-7 FRAME $57

276-296, 645-676

1-7 FRAME $47

COVERAGE C AMOUNT *** in 000 Factor


$15 0.760 54 2.292

16 0.808 55 2.330

17 0.856 56 2.358

18 0.904 57 2.386

19 0.952 58 2.414

20 1.000 59 2.442

21 1.038 60 2.470

22 1.076 61 2.498

23 1.114 62 2.526

24 1.152 63 2.554

25 1.190 64 2.582

26 1.228 65 2.610

27 1.266 66 2.638

28 1.304 67 2.666

29 1.342 68 2.694

30 1.380 69 2.722

31 1.418 70 2.750

32 1.456 71 2.778

33 1.494 72 2.806

34 1.532 73 2.834

35 1.570 74 2.862

36 1.608 75 2.890

37 1.646 76 2.918

38 1.684 77 2.946

39 1.722 78 2.974

40 1.760 79 3.002

41 1.798 80 3.030

42 1.836 81 3.058

43 1.874 82 3.086

44 1.912 83 3.114

45 1.950 84 3.142

46 1.988 85 3.170

47 2.026 86 3.198

48 2.064 87 3.226

49 2.102 88 3.254

50 2.140 89 3.282

51 2.178 90 3.310

52 2.216 91 3.338

53 2.254 92 3.366

EACH ADDITIONAL $1,000 0.028

$500 Key Premium X Key Factor X BCEG Factor X Tier Factor =

Base Premium

MINIMUM LIMITS OF LIABILITY *** Section I - Property HO 00 04 & 06 All Locations $15,000 Section II - Liability All Forms Personal Liability $100,000 Medical Payments to Others $1,000



RULE 301. TERRITORY PREMIUM COMPUTATION RULE 301. TERRITORY PREMIUM COMPUTATION

B. FORM HO 00 06 2. a. Key Factor Table 1. Key Premium Tables

KEY PREMIUMS


391 1-7 FRAME $138

402, 404 - 415 1-7 FRAME $132

392-399, 401, 403

1-7 FRAME $169

324-326 1-7 FRAME $137

341-348, 352-363

1-7 FRAME $146

319-323, 327-340, 349-351

1-7 FRAME $152

101-132 1-7 FRAME $201

804-805, 809-811

1-7 FRAME $118

786-799, 801-803, 806-808,

812-815

1-7 FRAME $110

677-681 1-7 FRAME $209

682 1-7 FRAME $155

686, 694-698, 702-704, 706-

714

1-7 FRAME $177

683-685, 687-693, 699, 701,

705

1-7 FRAME $165

489 1-7 FRAME $71

483-488, 490-499, 501-529,

727-758

1-7 FRAME $110

266-270 1-7 FRAME $143

239-265, 271-275

1-7 FRAME $312

456-482 1-7 FRAME $126

445-455 1-7 FRAME $117

588-599, 601-644

1-7 FRAME $104

133-199, 201-204

1-7 FRAME $144

205-238, 364-390

1-7 FRAME $128

530-587 1-7 FRAME $128

416-444, 759-785, 816-832

1-7 FRAME $99

297-299, 301-318, 715-726

1-7 FRAME $134

276-296, 645-676

1-7 FRAME $120



$15 0.789 54 2.156

16 0.832 55 2.190

17 0.874 56 2.216

18 0.916 57 2.242

19 0.958 58 2.268

20 1.000 59 2.294

21 1.040 60 2.320

22 1.080 61 2.346

23 1.120 62 2.372

24 1.160 63 2.398

25 1.200 64 2.424

26 1.240 65 2.450

27 1.280 66 2.476

28 1.320 67 2.502

29 1.360 68 2.528

30 1.400 69 2.554

31 1.422 70 2.580

32 1.444 71 2.606

33 1.466 72 2.632

34 1.488 73 2.658

35 1.510 74 2.684

36 1.544 75 2.710

37 1.578 76 2.736

38 1.612 77 2.762

39 1.646 78 2.788

40 1.680 79 2.814

41 1.714 80 2.840

42 1.748 81 2.866

43 1.782 82 2.892

44 1.816 83 2.918

45 1.850 84 2.944

46 1.884 85 2.970

47 1.918 86 2.996

48 1.952 87 3.022

49 1.986 88 3.048

50 2.020 89 3.074

51 2.054 90 3.100

52 2.088 91 3.126

53 2.122 92 3.152

EACH ADDITIONAL $1,000 0.026

$500 Key Premium X Key Factor X BCEG Factor X Tier Factor =

Base Premium

MINIMUM LIMITS OF LIABILITY *** Section I - Property HO 00 04 & 06 All Locations $15,000 Section II - Liability All Forms Personal Liability $100,000 Medical Payments to Others $1,000



RATING FACTORS TO THE TERRITORY PREMIUM Protection – Construction Factor

Protection Class Masonry* Frame

1 – 7 1.00 1.00

8 1.10 1.20

8B 1.16 1.26

9 1.20 1.30

10 1.70 2.00

* Masonry Veneer is rated as Masonry. Aluminum or Plastic Siding over Frame is rated as Frame. Form Factor

Form Factor

3 1.00

4 1.00

5 1.30

6 1.00

Factors for Rules A12, A13, and A14

Coverage A Ultra Premier Protector 150000 - 174999 1.310 1.260 0.850

175000 - 199999 1.308 1.258 0.850

200000 - 224999 1.305 1.255 0.850

225000 - 249999 1.303 1.253 0.850

250000 - 274999 1.300 1.250 0.850

275000 - 299999 1.298 1.248 0.850

300000 - 324999 1.295 1.245 0.850

325000 - 349999 1.293 1.243 0.850

350000 - 374999 1.290 1.240 0.850

375000 - 399999 1.288 1.238 0.850

400000 - 424999 1.285 1.235 0.850

425000 - 449999 1.283 1.233 0.850

450000 - 474999 1.280 1.230 0.850

475000 - 499999 1.278 1.228 0.850

500000 - 524999 1.275 1.225 0.850

525000 - 549999 1.273 1.223 0.850

550000 - 574999 1.270 1.220 0.850

575000 - 599999 1.268 1.218 0.850

600000 - 624999 1.265 1.215 0.850

625000 - 649999 1.263 1.213 0.850

650000 - 674999 1.260 1.210 0.850

675000 - 699999 1.258 1.208 0.850

700000 - 724999 1.255 1.205 0.850

725000 - 749999 1.253 1.203 0.850

750000 + 1.250 1.200 0.850

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