State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan

Transcription

1 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: Product Name: Project Name/Number: / Filing at a Glance Company: Product Name: State: TOI: Sub-TOI: Filing Type: Foremost Insurance Company Grand Rapids, Michigan Homeowners Program Missouri 04.0 Homeowners Owner Occupied Homeowners Form/Rate Date Submitted: 02/18/2013 SERFF Tr Num: SERFF Status: State Tr Num: State Status: FORE Closed-REVIEWED REVIEWED Co Tr Num: S-324 Effective Date Requested (New): Effective Date Requested (Renewal): Author(s): Reviewer(s): 08/01/ /01/2013 Ruth Sieting Disposition Date: 03/19/2013 Disposition Status: 04.0 Homeowners/ Owner Occupied Homeowners Homeowners Program Gina Clark (primary), Rebecca Helton REVIEWED Effective Date (New): 08/01/2013 Effective Date (Renewal): 08/01/2013 PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

2 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: Product Name: Project Name/Number: / 04.0 Homeowners/ Owner Occupied Homeowners Homeowners Program General Information Project Name: Project Number: Reference Organization: Reference Title: Filing Status Changed: 03/19/2013 State Status Changed: 03/19/2013 Created By: Ruth Sieting Corresponding Filing Tracking Number: State TOI: 04.0 Homeowners Status of Filing in Domicile: Domicile Status Comments: Reference Number: Advisory Org. Circular: Deemer Date: Submitted By: Ruth Sieting State Sub-TOI: Owner Occupied Homeowners Filing Description: Filing revised rates and form Company and Contact Filing Contact Information Kaan Cidanli, Administrator PO Box 2450 Grand Rapids, MI Filing Company Information Foremost Insurance Company Grand Rapids, Michigan P.O. Box 2450 Grand Rapids, MI (616) ext. [Phone] kaan.cidanli@farmersinsurance.com [Phone] CoCode: Group Code: 212 Group Name: FEIN Number: State of Domicile: Michigan Company Type: Property and Casualty State ID Number: Filing Fees Fee Required? Retaliatory? Fee Explanation: State Specific No No NAIC Number: Have you reviewed the General Instructions document? (yes/no)(general Instructions updated 9/14/07): yes If this is a rate filing, was rate data added on the rate/rule schedule? (yes/no): yes PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

3 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Correspondence Summary Dispositions Status Created By Created On Date Submitted REVIEWED Gina Clark 03/19/ /19/2013 Objection Letters and Response Letters Objection Letters Response Letters Status Created By Created On Date Submitted Responded By Created On Date Submitted PENDING INDUSTRY RESPONSE Gina Clark 03/04/ /04/2013 Ruth Sieting 03/14/ /18/2013 PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

4 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Disposition Disposition Date: 03/19/2013 Effective Date (New): 08/01/2013 Effective Date (Renewal): 08/01/2013 Status: REVIEWED Comment: Overall % Overall % Written Premium # of Policy Written Maximum % Minimum % Company Indicated Rate Change for Holders Affected Premium for Change Change Name: Change: Impact: this Program: for this Program: this Program: (where req'd): (where req'd): Foremost Insurance Company Grand Rapids, Michigan 0.000% 0.520% $-9, $1,877, % % Schedule Schedule Item Schedule Item Status Public Access Supporting Document Filing Memorandum REVIEWED Yes Supporting Document Exhibit A, B, & C (20 CSR ) REVIEWED Yes Supporting Document Actuarial Justification REVIEWED Yes Supporting Document Exhibit 6975 REVIEWED Yes Form (revised) Required Change - Missouri REVIEWED Yes Form Required Change - Missouri SUPERSEDED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

5 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Schedule Schedule Item Schedule Item Status Public Access Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate Rate Page REVIEWED Yes Rate (revised) Table of Contents REVIEWED Yes Rate Table of Contents SUPERSEDED Yes PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

6 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: Product Name: Project Name/Number: / Objection Letter Objection Letter Status Objection Letter Date 03/04/2013 Submitted Date 03/04/2013 Respond By Date 03/18/2013 Dear Kaan Cidanli, Introduction: PENDING INDUSTRY RESPONSE Thank you for the filing recently submitted to this Department. Upon preliminary review, the following issues raised concerns and need clarification: Objection Homeowners/ Owner Occupied Homeowners Homeowners Program Comments: Applies to: "...make further claim within 180 days after the loss for any additional cost you incur in replacing the damaged..." Please explain how this statement in your filing is compliant with the following.... Per 20 CSR ( insurers may not deny a claim due to the insured's failure to submit written notification within a specified time period following the loss unless the failure to submit such notice would result in prejudicing the rights of the insurer. Please amend the policy language accordingly. This can be achieved by either removing the time frame requirement, or adding the following language, or language similar to the following, however, no claim will be denied based upon the insureds failure to provide notice within such specified time, unless this failure operates to prejudice the rights of the insurer, as per Missouri regulation 20CSR Objection 2 Comments: Applies to: "We will give you notice of our intention within 30 days after we receive your proof of loss." As per 20 CSR (1) (A)( insurers must divulge the company's intent to accept or deny claims within fifteen (15) working days following receipt of required proof of loss information. Objection 3 Comments: Applies to: "We may cancel this policy for any reason." Please see Section RSMo for the reasons allowed to cancel Objection 4 Comments: Do the "Maximum Dollar Amount Credit" allow for ranges?? Why would there be a maximum instead of just a flat amount applied for the filed rates? Conclusion: Please respond to the above concerns within two weeks, or let me know by then if more time is necessary. Thank you. Sincerely, Gina Clark PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

7 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Response Letter Response Letter Status Submitted to State Response Letter Date 03/14/2013 Submitted Date 03/18/2013 Dear Gina Clark, Introduction: This is in response to your Objection letter dated March 4, Response 1 Comments: Form /13 Required Change Missouri This form replaces Form /13 same title to add the suggested language to comply with MO Regulations. Related Objection 1 Comments: Applies to: "...make further claim within 180 days after the loss for any additional cost you incur in replacing the damaged..." Please explain how this statement in your filing is compliant with the following.... Per 20 CSR ( insurers may not deny a claim due to the insured's failure to submit written notification within a specified time period following the loss unless the failure to submit such notice would result in prejudicing the rights of the insurer. Please amend the policy language accordingly. This can be achieved by either removing the time frame requirement, or adding the following language, or language similar to the following, however, no claim will be denied based upon the insureds failure to provide notice within such specified time, unless this failure operates to prejudice the rights of the insurer, as per Missouri regulation 20CSR Changed Items: No Supporting Documents changed. No Form Schedule items changed. No Rate/Rule Schedule items changed. Response 2 Comments: Form /13 Required Change Missouri This form replaces Form /13 same title to change the number of days notice from 30 to 15 days. Related Objection 2 PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

8 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Comments: Applies to: "We will give you notice of our intention within 30 days after we receive your proof of loss." As per 20 CSR (1) (A)( insurers must divulge the company's intent to accept or deny claims within fifteen (15) working days following receipt of required proof of loss information. Changed Items: No Supporting Documents changed. No Form Schedule items changed. No Rate/Rule Schedule items changed. Response 3 Comments: Form /13 Required Change Missouri This form replaces Form /13 same title to add the cancellation reasons to comply with RSMo. Related Objection 3 Comments: Applies to: "We may cancel this policy for any reason." Please see Section RSMo for the reasons allowed to cancel Changed Items: No Supporting Documents changed. No Form Schedule items changed. No Rate/Rule Schedule items changed. Response 4 Comments: When an insured selects a lower deductible amount, they choose to self insure less of the risk. For example, when an insured moves from $1,000 to $100 deductible they are transferring $900 of exposure back to the insurer. The caps prevent the insured from paying more than $900. Since people dont have losses every year, we actually apply probabilities of loss to the caps and in our example, the actual cap would be less than $900. The same logic exists if an insured selects a higher deductible. Related Objection 4 Comments: Do the "Maximum Dollar Amount Credit" allow for ranges?? Why would there be a maximum instead of just a flat amount applied for the filed rates? PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

9 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Changed Items: No Supporting Documents changed. Form Schedule Item Changes: Form Schedule Item Changes Item Form Form Edition Form Form Action Specific Readability No. Name Number Date Type Action Data Score Attachment Submitted s 1 Required Change - Missouri /13 END Replaced Replaced Form #: /11 Previous Version Previous Filing #: 6975_0313.p df Date Submitted: 03/18/2013 By: Ruth Sieting 1 Required Change - Missouri /13 END Replaced Replaced Form #: /11 Previous Filing #: 6975_0113.p Date df Submitted: 02/18/2013 By: Ruth Sieting Rate/Rule Schedule Item Changes Item No. Exhibit Name Rule # or Page # Rate Action Previous State Filing # Date Submitted 1 Table of Contents Table of Contents Replacement 03/18/2013 By: Ruth Sieting Previous Version 1 Table of Contents Table of Contents Replacement 02/18/2013 By: Ruth Sieting Conclusion: PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

10 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Please withdraw Table of Contents Revised Printing 2/13 Form /13 Required Change Missouri Please insert Table of Contents Revised Printing 3/13 Form /13 Required Change Missouri Your attention to our filing is appreciated. Kaan K. Cidanli State Filings Administrator Sincerely, Ruth Sieting PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

11 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Form Schedule Item No. Schedule Item Status Form Name Form Number Edition Date Form Type Form Action Action Specific Data Readability Score Attachments 1 REVIEWED 03/19/2013 Required Change - Missouri /13 END Replaced Previous Filing Number: Replaced Form Number: / _0313.pdf Form Type Legend: ABE Application/Binder/Enrollment ADV Advertising BND Bond CER Certificate CNR Canc/NonRen Notice DEC Declarations/Schedule DSC Disclosure/Notice END Endorsement/Amendment/Conditions ERS Election/Rejection/Supplemental Applications OTH Other PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

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16 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Rate Information Rate data applies to filing. Filing Method: Prior Approval Rate Change Type: Decrease Overall Percentage of Last Rate Revision: 2.400% Effective Date of Last Rate Revision: 10/01/2012 Filing Method of Last Filing: Prior Approval Company Rate Information Overall % Overall % Written Premium # of Policy Written Maximum % Minimum % Company Indicated Rate Change for Holders Affected Premium for Change Change Name: Change: Impact: this Program: for this Program: this Program: (where req'd): (where req'd): Foremost Insurance Company Grand Rapids, Michigan 0.000% 0.520% $-9, $1,877, % % PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

17 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Rate/Rule Schedule PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

18 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Item No. Schedule Item Status Exhibit Name Rule # or Page # Rate Action Previous State Filing Number Attachments 1 REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/2013 Rate Page R-1 Replacement R-1.pdf Rate Page R-2 Replacement R-2.pdf Rate Page R-7 Replacement R-7.pdf Rate Page R-9 Replacement R-9.pdf Rate Page R-10 Replacement R-10.pdf Rate Page R-11 Replacement R-11.pdf Rate Page R-12 Replacement R-12.pdf Rate Page R-13 Replacement R-13.pdf Rate Page R-14 Replacement R-14.pdf Rate Page R-15 Replacement R-15.pdf Rate Page R-16 Replacement R-16.pdf Rate Page R-17 Replacement R-17.pdf PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

19 SERFF Tracking #: FORE State Tracking #: Company Tracking #: S-324 State: Missouri Filing Company: Foremost Insurance Company Grand Rapids, Michigan TOI/Sub-TOI: 04.0 Homeowners/ Owner Occupied Homeowners Product Name: Homeowners Program Project Name/Number: / Item No. Schedule Item Status Exhibit Name Rule # or Page # Rate Action Previous State Filing Number Attachments 13 REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/ REVIEWED 03/19/2013 Rate Page R-18 Replacement R-18.pdf Rate Page R-19 Replacement R-19.pdf Rate Page R-20 Replacement R-20.pdf Rate Page R-22 Replacement R-22.pdf Rate Page R-25 Replacement R-25.pdf Table of Contents Table of Contents Replacement Table of Contents_3-13.pdf PDF Pipeline for SERFF Tracking Number FORE Generated 03/25/ :03 AM

20 Foremost Insurance Company Grand Rapids, Michigan MISSOURI HOMEOWNERS PROGRAM ANNUAL RATES/PREMIUMS DEFINITIONS BRICK 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). COMMUNITY MITIGATION CLASSIFICATION The community mitigation classification listings filed on our behalf by Insurance Services Office will apply to this program. * Page R-1 Original Printing 11/99 *Revised Printing 2/13

21 Foremost Insurance Company Grand Rapids, Michigan MISSOURI HOMEOWNERS PROGRAM ANNUAL RATES/PREMIUMS (Continued) DEFINITIONS (Continued) * FIRE RESISTIVE Exterior walls, floors and roof constructed of masonry or other fire resistive materials. FRAME Exterior walls of wood or other combustible construction, including wood iron-clad, stucco on wood, plaster on combustible supports, or aluminum or plastic (vinyl) siding over frame. LOSS HISTORY Loss history is obtained from the application, from the agent, from an industry recognized loss database, and from Foremost Insurance Company Grand Rapids, Michigan. Loss history includes any paid losses that the insured has incurred at any residence the insured has occupied whether it be as a primary residence or secondary/seasonal residence. This would also include any insured occupied apartments or condominiums. Loss history will be applied as follows: Married Obtain the loss history on both spouses listed on the Declarations Page. Unmarried Obtain the loss history for the first named insured listed on the Declarations Page. The experience period will be the five years immediately preceding the date of application or the preparation of the renewal. Page R-2 Original Printing 11/99 *Revised Printing 2/13

22 Foremost Insurance Company Grand Rapids, Michigan MISSOURI HOMEOWNERS PROGRAM ANNUAL RATES/PREMIUMS (Continued) PREMIUM DETERMINATION 1. Determine Rating Territory, Community Mitigation Classificaiton and Amount of Insurance for the dwelling. * 2. Determine Base Premium from the appropriate rate page for the selected Amount of Insurance and multiply by the Calendar Year Premium Modifier and round to the nearest whole dollar. For Amounts of Insurance not shown, interpolate and round to the nearest dollar. 3. Calculate the premium for any additional amounts of Other Structures, Personal Property or Additional Living Expenses and round each to the nearest dollar. Add any premium from step 3. to step 2. above. * 4. If a deductible other than $1,000 is desired, apply appropriate factor to result in step 3. above and round to the nearest whole dollar. If the credit exceeds the maximum dollar amount, apply the maximum dollar amount. 5. Multiply premium from step 4. above by each applicable premium modification factor individually and round to nearest whole dollar for each operation. 6. Add all premium modification dollars to result in step 4. above: 7. Add premium for any optional endorsements, any increased liability limits, wood burner premium and swimming pool premium, if applicable. 8. Total premium is sum of steps 6. and 7. Page R-7 Original Printing 11/99 *Revised Printing 2/13

23 Foremost Insurance Company Grand Rapids, Michigan MISSOURI HOMEOWNERS PROGRAM ANNUAL RATES/PREMIUMS (Continued) * BASE PREMIUMS Territories A Amount of Community Mitigation Classification Amount of Community Mitigation Classification Insurance B-9 10 Insurance B-9 10 $ 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , $270, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Additional Rate Per Page R-9 Original Printing 11/99 *Revised Printing 2/13

24 Foremost Insurance Company Grand Rapids, Michigan MISSOURI HOMEOWNERS PROGRAM ANNUAL RATES/PREMIUMS (Continued) * BASE PREMIUMS Territories B Amount of Community Mitigation Classification Amount of Community Mitigation Classification Insurance B-9 10 Insurance B-9 10 $ 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , $270, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Additional Rate Per Page R-10 Original Printing 11/99 *Revised Printing 2/13

25 Foremost Insurance Company Grand Rapids, Michigan MISSOURI HOMEOWNERS PROGRAM ANNUAL RATES/PREMIUMS (Continued) * BASE PREMIUMS Territory C Amount of Community Mitigation Classification Amount of Community Mitigation Classification Insurance B-9 10 Insurance B-9 10 $ 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , $270, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Additional Rate Per Page R-11 Original Printing 11/99 *Revised Printing 2/13

26 Foremost Insurance Company Grand Rapids, Michigan MISSOURI HOMEOWNERS PROGRAM ANNUAL RATES/PREMIUMS (Continued) * BASE PREMIUMS Territory D Amount of Community Mitigation Classification Amount of Community Mitigation Classification Insurance B-9 10 Insurance B-9 10 $ 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , $270, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Additional Rate Per Page R-12 Original Printing 11/99 *Revised Printing 2/13

27 Foremost Insurance Company Grand Rapids, Michigan MISSOURI HOMEOWNERS PROGRAM ANNUAL RATES/PREMIUMS (Continued) * BASE PREMIUMS Territory E Amount of Community Mitigation Classification Amount of Community Mitigation Classification Insurance B-9 10 Insurance B-9 10 $ 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , $270, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Additional Rate Per Page R-13 Original Printing 11/99 *Revised Printing 2/13

28 Foremost Insurance Company Grand Rapids, Michigan MISSOURI HOMEOWNERS PROGRAM ANNUAL RATES/PREMIUMS (Continued) * BASE PREMIUMS Territories F Amount of Community Mitigation Classification Amount of Community Mitigation Classification Insurance B-9 10 Insurance B-9 10 $ 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , $ 270, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Additional Rate Per Page R-14 Original Printing 11/99 *Revised Printing 2/13

29 Foremost Insurance Company Grand Rapids, Michigan MISSOURI HOMEOWNERS PROGRAM ANNUAL RATES/PREMIUMS (Continued) * BASE PREMIUMS Territory G Amount of Community Mitigation Classification Amount of Community Mitigation Classification Insurance B-9 10 Insurance B-9 10 $ 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , $ 270, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Additional Rate Per Page R-15 Original Printing 11/99 *Revised Printing 2/13