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1 RESPONSE INDEMNITY COMPANY OF CALIFORNIA MOBILE HOME PROGRAM POLICY TERM A policy may be written for a term of 12 months. Renewal policies will be based upon the rates and forms in effect on the effective date of the renewal. WHOLE DOLLAR PREMIUM RULE All policy and endorsement premiums will be a full dollar amount. For this purpose, an amount of fifty (50) cents or more will be rounded to the net whole dollar. MINIMUM PREMIUM RULE A minimum written premium of $75 applies for each policy A minimum retained premium of $35 applies for each policy POLICY FEE $20 per policy fully earned CHANGES All changes requiring premium adjustment will be computed pro-rata. All changes will be based upon the rules rates and forms in effect on the effective date of the change. WAIVER OF PREMIUM RULE If a policy change results in a premium increase of less than $5, this adjustment will be waived. CANCELLATIONS At cancellation, unearned premium will be computed on a pro-rate basis. TERRITORY DEFINITIONS Territory A Alameda Lake Orange San Luis Obispo Stanislaus Butte Colusa Contra Costa Fresno Glenn Kern Kings Los Angeles Madera Marin Mendocino Merced Monterey Napa Riverside Sacramento San Benito San Bernardino San Diego San Francisco San Joaquin San Mateo Santa Barbara Santa Clara Santa Cruz Solano Sonoma Sutter Tehama Tulane Ventura Yolo Yuba Territory B Alpine Amador Calaveras Del Norte El Dorado Humboldt Imperial Inyo Lassen Mariposa Modoc Mono Nevada Placer Plumas Shasta Sierra Siskiyou Trinity Tuolumne OTHER DEFINITIONS Primary/Permanent Residence The insured lives in the mobile home for a minimum of nine months a year. The mobile home must be rated based on the principal occupant. CA (RR) or 10

2 Secondary/Seasonal Residence A home that is not the insureds primary residence but one that is used on an intermittent basis by the insured or the insured s immediate family for vacation, weekend, or recreational purposes. Residence may not be rented to others. Rental Unit is rented to others for monetary compensation. Protected Protection Class 1-8. Mobile home must be within five miles of a Fire Department and 1000ft from a fire hydrant. Unprotected All other risks. Preferred Park A Mobile Home Park which: 1. Has at least 51 spaces, 2. Has a full-time resident manager and security, 3. Is completely fenced with paved and lighted streets and off-street parking, and 4. An enforced skirting requirement. Standard Park A Mobile Home Park which: 1. Has at least 25 occupied spaces, 2. Has a full-time resident manager, Private Property All other than Preferred Park or Standard Park INSURANCE TO VALUE Mobile Home, Adjacent Structures, and Personal Effects are to be insured to their Actual Cash Value. If the mobile home has recently been purchased, use the purchase price (less any finance charges) as the base value. Additions attached to the mobile home should be considered in the value of the mobile home. The ACV rule applies to all Programs ecept for the Preferred Program. On the Preferred Program, mobile homes must be insured to their estimated Replacement Cost. An estimate of Replacement Cost will be required. The estimate of replacement cost shall be based on an estimate of the cost to rebuild or replace the mobile home taking into account the cost to replace the single mobile home being evaluated, as compared to the cost to replace multiple mobile homes. We require the use of a company authorized, industry standard tool which is compliant with CCR Section PROGRAM RATING PROCEDURE All Programs 1) Determine the use of the home and determine proper program to place the risk 2) Determine the location of the risk (County, Territory, Type of Park or Private Property) 3) Determine the age of unit and age of insured 4) A. For Preferred determine the Replacement Cost of the Mobile Home B. For Standard Program determine the ACV or Replacement Cost (if purchased) C. For Rental/Vacant determine the ACV 5) Based on the factors above calculate the appropriate base premium 6) Add together the applicable credits (up to 15%) and apply to the base premium 7) Determine the deductible and apply any adjustment 8) Add any optional coverages and rates 9) Add the Supplemental Heating Surcharge (if applicable) 10) Add the policy fee 2

3 PREFERRED PROGRAM ELIGIBILITY Mobile home must have a minimum Replacement Value of $25,000 Mobile home must be 1970 or newer (no restriction in Preferred Park as defined by Company) Mobile home may be located in a subdivision of 20 spaces or more Mobile home may be located on private property if all of the eligible criteria have been met Mobile Home must be owner occupied as a primary or seasonal/secondary residence of the insured and the mobile home, roof and premises must be in good to ecellent condition and show proper maintenance. o Roofs should not ehibit missing, damaged or curling shingles or damage to any part of the roofing system. No more than two layers of roofing. o Siding and trim should not show evidence of mold, rot, or deterioration. No part of the siding system should be missing. o Windows and doors should be secure with no broken or missing components o Porches, decks, patios, yard, walkways/driveways, etc. must be undamaged and free from debris o Stairs with more than three steps or porches/decks greater than 3 feet from the ground require handrails or railings which are complete and in good repair. o Landscaping must be trimmed and maintained with no tree overhand above roof o Mobile Home must be a minimum of 385 square feet. BASE DEDUCTIBLE Primary Residence - $250 All Other Perils / $500 Wind and Water BASE COVERAGE Unattached Adjacent Structures 10% of mobile home limit Personal Effects 50% of mobile home limit Additional Living Epense 10% of mobile home limit Comprehensive Personal Liability $100,000 Medical Payments to Others $1000 Replacement Cost on Mobile Home Coverage to comply with California Workers Compensation requirements for casual residence employee(s) Comprehensive Coverage (Ecluding Flood and Earthquake) on Mobile Home and Other Structures Named Perils Coverage on Personal Effects Flood and Earthquake Coverage are available Options Ordinance of Law RATES See separate Rate Tables CREDITS Multi-Section Credit: If the mobile home is manufactured as a multi-sectional unit (>16ft wide) a 10% credit applies to base premium Claims Free Credit: If the mobile home has been insured and claim free for the past 12 months a 5% credit applies to the base premium PREFERRED PROGRAM OPTIONAL COVERAGES Optional Deductibles (This does not change the Deductible for Earthquake) $500 All Perils -$25.00 $1,000 All Perils -$35.00 Additional Other Structures, Per $1,000 (All Territories) $3.75 Additional Personal Property, Per $1,000 (All Territories) $2.75 Personal Effects Replacement Cost Coverage (All Territories) $

4 Comprehensive Personal Liability $25,000 -$15.00 $50,000 -$8.00 $300,000 $10.00 $500,000 $18.00 Increased Additional Living Epense (20%) $5.00 Supplemental Heating Surcharge $50.00 Workers Compensation Inservants, per employee $ Outservants, per employee $ Etended Replacement Cost Mobile Home $10.00 Scheduled Personal Property, per $100 of Coverage $2.00 $100 Deductible. $25.00 Minimum Premium Maimum coverage of $15,000 for all combined classes A complete description (brand, name, color, serial number, etc) of covered items must be included when bound. Additionally, the sales receipt and/or certified appraisal is required on any item, set or collection valued at $1000 or more. Golf Cart Coverage $35.00 $100 Deductible. This endorsement covers Physical Damage and Liability. A complete description required including year, make, serial number, value Additional Premises Liability $15.00 Secondary or Rented to Others Lender s Interest Protection $10.00 Coverage is only available when there is a lienholder Natural Disaster Protection $5.00 Available only when Flood and Earthquake Coverages are provided. The Lienholder must not be an individual. This coverage will pay off the loan balance to the lienholder in the event of a total loss caused by a natural disaster. Flood and Rising Water Coverage $35.00 May not be added when the Mobile Home is located in a flood prone area. Debris Removal Increase $10.00 Sewer Backup Protection $30.00 Enhancement Coverage $15.00 Limited Personal Effects categories are increased by purchasing this coverage. Additionally, limits for the following coverages are increased: Additional Living Epense; Debris Removal Coverage; Emergency Removal Service; Fire Department Service; Radio and Television Antenna; Trees, Shrubs, Plants and Lawns; Claim Epanses; and Damage to Property of Others. Occasional Rental $25.00 (Maimum of 180 days in a 365 day period.) Satellite Dish Coverage $5.00 Builders Risk Coverage (Fully Earned) $

5 STANDARD PARK AND PRIVATE PROPERTY PROGRAM ELIGIBILITY Mobile home must be owner occupied as a primary or secondary/seasonal residence Mobile Home must have a minimum ACV of $20,000 Homes must be either: o Homes 1969 and older located in a mobile home park, subdivision, or private property o Located in a mobile home park with 25 or less occupied spaces BASE DEDUCTIBLE Primary Residence: $250 All Other Perils / $500 Wind and Water Seasonal/Secondary: $500 All Perils BASE COVERAGE Unattached Adjacent Structures 10% of Mobile Home Limit Personal Effects 50% of Mobile Home Limit Additional Living Epense 10% of Mobile Home Limit Comprehensive Personal Liability $50,000 Medical Payments to Others $500 Coverage to comply with California Workers Compensation requirements for casual residence employees Flood and Earthquake Coverages are available options RATES See separate Rate Tables CREDITS Claims Free Credit: If the mobile home has been insured and claim free for the past 12 months a 5% credit applies to the base premium STANDARD PROGRAM OPTIONAL COVERAGES Optional Deductibles (This does not change the Deductible for Earthquake) $500 All Perils -$25.00 $1,000 All Perils -$35.00 Additional Other Structures, Per $1,000 (All Territories) $3.75 Increased Additional Living Epense (20%) $5.00 Additional Personal Property, Per $1,000 (All Territories) $2.75 Personal Effects Replacement Cost Coverage (All Territories) $30.00 Comprehensive Personal Liability Ecluded -$15.00 $25,000 -$10.00 $100,000 $10.00 $300,000 $20.00 $500,000 $30.00 Increase Medical Payments to $1,000 $5.00 Supplemental Heating Surcharge $

6 Workers Compensation Inservants, per employee $ Outservants, per employee $ Mobile Home Full Repair Cost $10.00 Mobile Homes constructed 1969 or newer Mobile Home Replacement Cost $10.00 Mobile Homes constructed 1970 or newer Scheduled Personal Property, per $100 of Coverage $2.00 $100 Deductible. $25.00 Minimum Premium Mobile Homes must be located in park or Protection Class 1-8 Maimum coverage of $15,000 for all combined classes A complete description (brand, name, color, serial number, etc) of covered items must be included when bound. Additionally, the sales receipt and/or certified appraisal is required on any item, set or collection valued at $1000 or more. Golf Cart Coverage $35.00 $100 Deductible. This endorsement covers Physical Damage and Liability. A complete description required including year, make, serial number, value Additional Premises Liability $15.00 Secondary Lender s Interest Protection $15.00 Coverage is only available when there is a lienholder Natural Disaster Protection $5.00 Available only when Flood and Earthquake Coverages are provided. The Lienholder must not be an individual. This coverage will pay off the loan balance to the lienholder in the event of a total loss caused by a natural disaster. Flood and Rising Water Coverage $35.00 May not be added when the Mobile Home is located in a flood prone area. Debris Removal Increase $10.00 Sewer Backup Protection $30.00 Enhancement Coverage $20.00 Limited Personal Effects categories are increased by purchasing this coverage. Additionally, limits for the following coverages are increased: Additional Living Epense; Debris Removal Coverage; Emergency Removal Service; Fire Department Service; Radio and Television Antenna; Trees, Shrubs, Plants and Lawns; Claim Epanses; and Damage to Property of Others. Occasional Rental $25.00 Maimum of 180 days in a 365 day period Builders Risk Coverage (Fully Earned) $

7 RENTAL/VACANT PROGRAM ELIGIBILITY RENTAL: Occupied mobile homes used for habitational purposes, commercial offices, constructions site offices, classrooms, libraries, or display units. VACANT: May be written for a maimum of one year. DEDUCTIBLE: $250 All Other Perils / $500 Wind COVERAGES Flood and Earthquake coverages are not included. Terr A Terr B Rates Shown are per $1000 of coverage. PC 1-8 PC 9-10 PC 1-8 PC 9-10 Comprehensive Coverage on Mobile home and Adjacent Structures Named Perils Coverage on Mobile Homes and Adjacent Structures Named Perils Coverage on Personal Effects or Commercial Furniture and Equipment OPTIONAL DEDUCTIBLES (This does not change the deductible for Earthquake or Volcanic Action) $500 All Perils -$25.00 $1,000 All Perils -$35.00 OWNERS, TENANTS and LANDLORDS LIABILITY (RENTERS ONLY) Multiply rate times the number of mobile homes on the policy. A common limit must apply to all mobile homes written on a single policy. $10,000 $27.00 $20,000 $30.00 $50,000 $43.00 $100,000 $48.00 Medical Payments - $250 COMPREHENSIVE PERSONAL LIABILITY (VACANT ONLY) Ecluded -$15.00 $25,000 -$10.00 $50,000 -$5.00 $100,000 Included $300,000 $22.00 MOBILE HOME REPLACEMENT COST $ DAY TRIP COLLISION COVERAGE (Fully Earned) $250 Deductible Single Wide $25.00 Multi Sectional $50.00 LENDERS INTEREST PROTECTION Available only if there is a lienholder $10.00 NATURAL DISASTER PROTECTION Available only when Flood and Rising Water and Earthquake Coverage is purchased $5.00 FLOOD AND RISING WATER COVERAGE $35.00 SATELLITE SYSTEM (Per $100 of coverage) $5.00 Includes inside and outside components. A complete description required. GOLF CART COVERAGE $35.00 $100 Deductible. 7

8 UNDERWRITING RULES NATURAL CATASTROPHES BINDING HURRICANES AND TROPICAL STORMS: No new policies, binders, increases in coverage will be accepted in counties where a Hurricane Watch, Hurricane Warning, or Tropical Storm Warning has been issued by the National Weather Bureau. Restrictions are only lifted once the weather event has diminished and the National Hurricane Center no longer classifies the event as a hurricane or tropical storm. FLOOD WARNING: If flood coverage applies, no new policies, binders, or increases in coverage will be accepted when flooding is within five miles of the mobile home. EARTHQUAKE RESTRICTIONS: If earthquake coverage applies, when a major earthquake occurs the Company will impose binding authority restrictions in affected areas. Binding authority will be restricted when an earthquake reading 5.0 or greater on the Richter scale occurs. Binding authority will be restricted for the day of the quake and for 3 days following the quake. An aftershock reading 5.0 on the Richter scale or greater will be considered a new earthquake and will result in a new period of suspended binding authority. The restrictions will apply to all counties located within 150 miles of the earthquake s epicenter. All restrictions also apply to any requests to increase coverage. Renewals are not affected by these restrictions. COVERAGE LIMITS Maimum Limits Mobile Home: $300,000 in Preferred, $200,000 in Standard Program, $80,000 in Rental/Vacant Unattached Adjacent Structures: 60% of the Mobile Home limit or $25,000 maimum per structure. All structures other than private garages, fences, freestanding carports, and utility sheds must be individually described including an individual limit. Personal Effects: G r e a t e r o f $25,000 or 75% of the Mobile Home limit Personal Liability: $300,000 without prior approval from Company. TRAVEL TRAILERS Must have: Wheels removed; anchored or tied down; hooked up to permanent utilities (water, sewer, electricity) and not reliant on selfcontainment facilities such as holding tanks or portable generators. Photos must be provided at time of binding. Homes must be fully skirted. TIE DOWN REQUIREMENTS All units must be tied down with tie-downs designed and manufactured with a tensile strength (ultimate breaking strength) of 4,800 pounds. All adjacent structures and additions including epandos and tip outs must be tied down as well. Both ends of adjacent structures must be tied down and one additional tie down must be installed for each space of 20 feet between the two tie-downs on the end. Over-the-top straps or vertical bars can be substituted on any structure where frame tie-downs cannot provide the proper stability and protection. PHOTO REQUIREMENTS Photos are required on the follow risks: Homes located on Private property Auiliary heating devices showing the stove or fireplace as well as inside and outside venting. Photos required only for non-factory or unknown installation source. Units that have been substantially modified Swimming pools, hot tubs, trampolines, and other hazards on the premises 8

9 UNDERWRITING REPORTS Credit reports will be ordered when applicant has a lapse in coverage greater than three months. The credit report will only be used to verify information shown on the application. Loss History reports will be run as necessary to verify prior loss information as well as paid amounts. RELOCATION If the mobile home is relocated the Company must be notified in advance and the premium adjusted if necessary. SUBMIT TO COMPANY Applicants that have had a loss to any property in past 5 years. Describe loss and amount paid. Applicants that have had a mobile home/dwelling policy cancelled or non-renewed for underwriting reasons (ecept age of unit) during the past 5 years. Homes that are custom built, homemade, substantially modified, or joined together. Photos must be included. Homes with 3 or more steps or over 3 feet on any eit without a handrail Homes with attached or unattached structures (other than porches, decks, awnings, skirting, or carports) that are not factory or contractor built. Homes with a wood or pellet burning device. Homes located in a Special Flood Hazard Area as designated by the NFIP, or that are 1,500 feet from a lake, pond or creek. Homes that are owned by a corporation or property sold on a land contract Homes with horses, livestock, or any farm animals on the premises. Any premises with 5 or more acres Any additional structure valued over $25,000 or 60% of the Mobile Home limit Risks where the value of personal effects eceeds the greater of $25,000 or 75% of the Mobile Home limit UNACCEPTABLE RISKS Applicants with duplicate coverage Homes without permanently installed water, electricity, and sewage utility services Applicants convicted of arson, fraud or a felony Homes that have been salvaged or have eisting structural damage Homes under construction or major renovation Homes that are vacant or in foreclosure. Vacant homes may be written in the Vacant program. Isolated homes that are not easily accessible by public roadways Homes with coal burning stoves, kerosene heaters, portable space heaters, heat reclaiming devices, homemade heating devices, or any potentially hazardous supplemental heating device. Homes where the primary source of heat is a wood or pellet burning device Homes with fireplaces that were not installed by the manufacturer or a license contractor Homes with fuses or polybutelene pipes Homes or structures used to store flammable or eplosive materials Homes located in a designated flood hazard area (100 yr flood plain) by the NFIP. Flood must be ecluded. Homes located within a wildfire or brush hazard area Homes located on an island, key, peninsula or within 1000 ft from any river or body of saltwater Homes with more than 2 lienholders. Two lienholders are acceptable if one is a financial institution. Homes with business, childcare, homecare, lodging, or farming activities conducted on the premises. Risks with unattached adjacent structures not incidental to the use of the home as a dwelling including: o Any structure that eceeds 1000 square feet in floor area o Unattached structure that is a home, site-built house, barn (livestock structure), or used as a living quarters o Greenhouses that are made of glass o Seawalls Risks with an awning made of cloth or canvas Homes with wood shake shingles as a roof covering or used decoratively on sides of the mobile home. Any premises with a swimming pool or hot tub that does not have a four-foot fence with self-locking gate or any pool with a swimming pool or pool slide. Liability must be ecluded. Any premises with activities being conducted on it, such as woodworking, cabinet making, auto repair, chemical processing or if the home is attached to a tavern or restaurant. 9

10 Any premises with a trampoline. Liability must be ecluded. Any premises with a dock, pier or boathouse. Liability must be ecluded. Homes without permanently installed steps at all entrances. Liability must be ecluded. Applicants who own, keep, or shelter any of the following breeds: Akitas, Chows, Dobermans, Great Danes, Pit Bulls, Rottweilers, Wolfs or Wolf Hybrids, any mi of these breeds. Any animal with a previous bite history or any eotic animals (snakes, monkeys, etc). Risks with more than 2 horses. Risks may be written if the Animal Liability Eclusion is attached. The maimum liability limit for the policy is $50,