ALL STAR HOMEOWNERS TABLE OF CONTENTS NSASHO PAGE

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1 ALL STAR HOMEOWNERS ITEM TABLE OF CONTENTS NSASHO PAGE Actual Cash Value Loss Settlement - Windstorm or Hail Losses To All Exterior Surfaces... 6 Actual Cash Value Loss Settlement - Windstorm or Hail Losses Roofs... 6 Additional Insured & 21 All Star Homeowners Policy Forms - Mandatory... 4 All Star Homeowners Program... 1 Babysitting Back Up of Sewers, Drains and Sump Systems Billing Procedures... 4 Business Activities Calculation of Premium... 4 Common Loss Deductible... 7 Companion Policy Discount Coverages Property Coverage Section... 1 Liability Coverage Section... 1 Deductibles, Explanation of... 7 Earthquake Coverage Eligibility and Underwriting Requirements Enhancement Endorsements Farm Liability Coverage Additional Insured & 14 Base and Additional Charges Damage to Property of Others Employer s Liability Horses & 20 Fire Protection Definitions... 4 Higher Limits On Certain Property Business Property Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money Fire Department Service Charge Guns and Gun Accessories Money Motorized Vehicles Silverware, Goldware, Platinumware and Pewterware Unscheduled Jewelry, Watches and Furs Horses & 21 Identity Theft Protection Inboard, In/Outboard Motor Boats, Sailboats and Personal Watercraft Liability Incidental Office Increased Limits or Additional Residence Premises Inland Marine Coverages Installed Equipment Breakdown Coverage Insurance Score... 8 Location of Risk Modifiers (LORM)... 3 Mandatory Coverages... 2 Mature Homeowners Discount Metal Roof Discount... 9 New/Upgraded Home Discount Minnesota All Star New Business North Star Mutual Ins. Co. Renewals

2 ALL STAR HOMEOWNERS ITEM TABLE OF CONTENTS CONTINUED NSASHO PAGE Optional Coverages - Liability Optional Coverages - Property Ordinance or Law... 9 Outboard Motors Liability Personal Property - Increase... 6 Policy Term... 3 Premium Charts, Explanation of... 3 Premium Discounts for Protective Devices Protected Subdivision Discount Rate Pages - Base Premium Charts... 5 Rating Territories and Location of Risk Modifiers (LORM)... 3 Recreational Vehicles Liability Related Private Structures Roof Surface Replacement Cost Factor... 9 Standard Limits... 1 Theft Coverage - Residence Under Construction Underground Service Line Coverage Underwriting Rules For Recreational Vehicles and Watercraft Valued Customer Discount Wood Shingle Surcharge Minnesota All Star New Business North Star Mutual Ins. Co. Renewals

3 ALL STAR HOMEOWNERS PROGRAM PROPERTY COVERAGES will automatically be periodically updated based on changing dwelling construction cost factors. A statement to this effect is contained in the application and the application must be signed by the applicant. The residence must be insured to 100% of Replacement Cost, the application must be completed and a photograph of the residence attached. The ALL STAR Homeowners Program is designed for risks of a better class in all respects and basically for dwellings that are 30 years old or less. This will require careful original risk selection and continuous monitoring by the agent. COVERAGES The ALL STAR Homeowners policy provides property and liability coverages as described below. PROPERTY COVERAGE SECTION The NS-5 ALL STAR Homeowners Form provides the following property coverages: 1. Covers the residence, private structures, personal property and additional living costs against risks of direct physical loss unless the loss is excluded. 2. Provides expanded coverage replacement cost coverage to the dwelling not to exceed 125 percent of the Coverage A limit. 3. Replacement Value on personal property is an automatic coverage, subject to the limit shown on the Declarations for Coverage C. 4. Refrigerated Property coverage is automatically included. This provides coverage, without special limit, for refrigerated property lost due to interruption of electrical service or by mechanical or electrical breakdown of the refrigeration system. No deductible applies. 5. Debris removal coverage is broadened to include $1,000 coverage ($500 per tree) for the cost of the removal of tree debris caused by Windstorm or Hail (need not have damage to insured property ). 6. Lock And Garage Door Transmitter Replacement coverage is automatically included. This provides coverage for the cost to replace locks on exterior doors of the insured dwelling when the keys to those locks are a part of a covered theft loss. This also provides coverage for the cost to replace a portable transmitter that is part of an automatic garage door opening system if such transmitter is lost or stolen. No deductible applies. LIABILITY COVERAGE SECTION 1. Personal Liability - Covers payment on behalf of the insured of all sums which he/she shall become legally obligated to pay as damages because of bodily injury or property damage caused by an occurrence arising out of his/her premises or personal activities. 2. Medical Payments - Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of the insured s premises or personal activities. 3. Personal Injury coverage is automatically included up to the Personal Liability limit. 4. Watercraft with outboard motors of 50 HP or less are automatically included for liability and medical payments. STANDARD LIMITS Following are the standard limits under the ALL STAR Homeowners Policy: Coverage Limits A. Residence - Minimum Amount $200,000 B. Private Structures 10% of limit on residence C. Personal Property 75% of limit on residence D. Additional Living Costs Actual Loss sustained in 12 months L. Personal Liability $100,000 Each Occurrence M. Medical Payments to Others $1,000 Each Person Note: Coverages B and C cannot be reduced. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 1 Renewals

4 MANDATORY COVERAGES It is mandatory that insurance be written for all coverages provided under both the Property Coverage and the Liability Coverage Sections of the Homeowners Policy. The Liability Coverage Section of the policy requires coverage for the following exposures and the additional premium developed from the Premium Charts must be charged when such exposures exist: 1. ALL additional residence premises where the Named Insured or spouse maintain a residence other than business or farm property; 2. ALL residence employees of the Named Insured or spouse not covered or not required to be covered by Workers Compensation Insurance (charges required for residence employees in excess of 2); and 3. Incidental office, professional, private school or studio use by the insured on residential premises of the insured. ELIGIBILITY AND UNDERWRITING REQUIREMENTS 1. A completed Homeowners application must be submitted along with at least two recent photos of the property (front and rear). Photos of all structures on the premises should be submitted for review. Use the MSB/RCT Software program and attach the RCT printout. 2. Only 1 family owner-occupied dwellings (single unit dwelling only no townhouse/duplex) used only for private residential purposes and with no more than 2 boarders or roomers are eligible. 3. A policy may be issued to cover a dwelling in the course of construction provided the policy is issued only in the name of the intended owner-occupant of the dwelling and will be completed within approximately 6 months. Coverage must be written at 100% of expected completed value. 4. The minimum limit available shall be $200, Maximum limits available for dwellings are $900,000 if Protected, $750,000 if Partially Protected, and $700,000 if Unprotected. Maximum limit available for dwellings that qualify for the Protected Subdivision Discount is $750, The dwelling must be insured for 100% of current replacement cost. Contents will also be on a replacement cost basis and cannot be written for less than 75% of Coverage A - Residence. 7. A new building valued at $5,000 or more or an addition to or remodeling of a covered building which increases its value by $5,000 or more must be reported within 90 days of the start of the project. 8. A smoke detector should be placed on each floor. For dwellings with 3 levels, a minimum requirement is that smoke detectors be placed on at least 2 levels. 9. This PREFERRED Homeowners Program has been designed for dwellings that are 30 years old or less. Dwellings that are more than 30 years old which meet all 4 of the following requirements may be considered eligible: a. Electrical Service must have been upgraded within the last 30 years, including new wiring, new receptacles, new circuit boxes and conduit in exposed areas. Such upgrading shall have been approved by a state electrical inspector. b. Plumbing must have been upgraded within the last 30 years, including new pipes. c. Heating System (furnace) must have been replaced within the last 30 years. d. Roof shingles must have been replaced within the last 20 years (Roof surfaces that are 15 years old or older may not be insured for replacement cost coverage.) Dwellings over this age will be considered if they meet all four of the above requirements and a Preferred Dwelling Supplemental Application, CF-580, is completed. Once written on this policy, renewals under this plan will be considered for dwellings exceeding the above requirements age limits subject to property maintenance, updating and good loss experience. 10. The roof needs to have been reshingled in the last 20 years (Roof surfaces that are 15 years old or older may not be insured for replacement cost coverage.) 11. Dwellings are not acceptable if they have older wood roofs, clay tile roofs, or if they have asbestos slate roofs or siding. 12. Seasonal dwellings are not eligible for the All Star Homeowners policy and are to be written as a separate policy under our Standard Homeowners program. 13. Dwellings with masonry fireplaces that have a masonry/brick chimney and clay liner will be acceptable. Dwellings with UL approved fireplaces and UL approved metal chimneys are acceptable if they have been installed after January 1, Dwellings and other structures with any other type of woodburning equipment are not acceptable. 14. Farm Liability is required when: a. there are more than 40 acres; b. the insured has farming operations; or c. there are horses or other livestock. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 2 Renewals

5 ELIGIBILITY AND UNDERWRITING REQUIREMENTS CONTINUED 15. Following is a list of Homeowners risks not to be bound and generally will not be written: a. Property that is in generally below average physical condition. This program is designed for risks of a better class in all respects. This will require careful original risk selection and continuous monitoring by the agent. b. Risks cancelled or nonrenewed by other carriers. c. Risks which have sustained 2 OR MORE losses during the past 3 year period. d. Dwelling risks which were not originally designed for dwelling purposes. (e.g., a mercantile building converted to a dwelling.) e. TRAILER HOMES, MOBILE HOMES, DOUBLE WIDE MOBILE HOMES, CONVERTED MOBILE HOMES OR HOUSE TRAILERS whether permanently located with attached leans or not. THESE ARE SPECIFICALLY EXCLUDED FOR HOMEOWNERS COVERAGE. f. Hobby farms or any risk formerly occupied as FARM PROPERTY on which any former farm buildings still exist. g. Homes with more than 2 related private structures or with a related private structure larger than 1,600 square feet. h. Dwellings without a central heating system (other than all-electric homes). i. Unusual risks including basement homes, log homes, earth homes, dome homes, and homes with flat roofs. j. Risks where insureds have a history of financial instability within the last 5 years. k. Risk with wild animals or pets that show aggressive or vicious tendencies. l. Risks with Dobermans, Rottweilers, Presa Canarios (also known as Canary Island Cattledog), Pit Bulls, including but not limited to, American Pit Bull Terriers, American Staffordshire Terriers, or Staffordshire Bull Terriers, Chows, or dogs with aggressive tendencies should not be submitted. m. Do not submit risks with trampolines or swimming pools, unless prior approval has been received from a North Star underwriter. POLICY TERM Policies are written on a 1 year term basis. The policy will automatically be renewed each year with an updated declarations page. The policy will be subject to the premiums, rules and forms in effect at the time of renewal. Policyholders will initially receive copies of all policy forms. Upon renewal they will receive only an updated declarations and forms that are new or revised. Policyholders may receive all policy forms upon request a statement notifying the insured of this will be on each annual declarations. PREMIUM CHARTS All premium charts are set up on an annual premium basis. RATING TERRITORIES AND LOCATION OF RISK MODIFIERS (LORM) TERR DESCRIPTION LORM NS-5 TERR. 1 Remainder of State 1.00 TERR. 2 Counties of Anoka, Carver, Dakota, Hennepin (excluding City of Minneapolis), 1.25 Ramsey (excluding City of St. Paul), Scott, Sherburne, Washington & Wright TERR. 3 Counties of Aitkin, Beltrami, Carlton, Cass, Clearwater, Cook, Crow Wing, Itasca, 1.02 Koochiching, Lake, Lake of the Woods, Mahnomen TERR. 4 Cities of Duluth, Hermantown and Proctor 1.10 TERR. 5 St. Louis County (excluding cities of Duluth, Hermantown and Proctor) 1.06 TERR. 6 Cities of Minneapolis & St. Paul 1.75 Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 3 Renewals

6 FIRE PROTECTION DEFINITIONS The following 3 fire protections will apply: 1. Protected: Residence is located within 1,000 feet of a fire hydrant and within 5 road miles of a responding fire department. 2. Partially Protected: Residence is located over 1,000 feet from a fire hydrant, but is within 5 road miles of a responding fire department. 3. Unprotected: All others. Dwellings normally rated as partially protected may be eligible for a Protected Subdivision Discount - see requirements on page NSASHO-11. ALL STAR HOMEOWNERS POLICY FORMS The General Policy Terms, a perils section and liability coverage section are issued with every policy. When assembled, the policy must be made up of the following parts: Policy Jacket Declarations General Policy Terms, A Perils Section and Liability Coverage Section... NS-5 Minnesota Amendatory Endorsement... NS-81H Other forms and/or endorsements may be attached depending on optional coverages purchased. BILLING PROCEDURES See the Billing Information section of this Agents Manual. CALCULATION OF PREMIUM Step 1 - Determine the Base Premium based on Territory, Protection Class, and the amount of Coverage A. Step 2 Apply applicable Location of Risk Modifier from page NSASHO-3 to the rate determined in Step 1. Step 3 - Apply Masonry Construction Discount, if applicable, to premium determined in Step 2. Step 4 - Apply Roof Surface Replacement Cost Factor, if applicable, to the premium determined in Step 3. Step 5 - When Metal Roof Discount is desired, apply the appropriate factor to the premium determined in Step 4. Step 6 - If writing Actual Cash Value Loss Settlement - Windstorm or Hail Losses to Roofs or Actual Cash Value Loss Settlement - Windstorm or Hail Losses to All Exterior Surfaces, apply the appropriate factor to the premium determined in Step 5. Step 7 - To increase Coverage C, add the appropriate amount to the premium determined in Step 6. Step 8 - Step 9 - Modify the amount determined in Step 7 to reflect the selection of a deductible option. (The Base Deductible is $1,000). Modify the amount determined in Step 8 for all percentage discounts or charges. Discounts or charges should be multiplied consecutively in the following order: Protected Subdivision Discount, New/Upgraded Home Component Discount, Protective Device Discount, Mature Homeowners Discount, Companion Policy Discount, Wood Shingle Surcharge. Discounts or charges should not be added together. Step 10 - Add the additional premium for all other mandatory or optional Property Coverages and all other mandatory or optional Liability Coverages. Step 11 - Apply the applicable Valued Customer Discount factor to the total policy premium. Step 12 - Apply the applicable Insurance Score factor to the total policy premium. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 4 Renewals

7 RATE PAGES - "ALL STAR" HOMEOWNERS BASE PREMIUMS (For Preferred Homeowners Risks) (Refer to page NSASHO-3 for Location of Risk Modifiers for each territory) $1,000 FLAT DEDUCTIBLE APPLICABLE (ALL PERILS) FRAME PREMIUM INCLUDES $100,000 LIABILITY AND $1,000 MEDICAL PAYMENTS Cov. A Part. Cov. A Part. Amount Prot. Prot. Unprotected Amount Prot. Prot. Unprotected 150, ,129 1, ,000 2,293 2,671 3, , ,146 1, ,000 2,327 2,711 3, , ,164 1, ,000 2,360 2,749 3, ,000 1,014 1,181 1, ,000 2,394 2,789 3, ,000 1,028 1,198 1, ,000 2,428 2,829 3, ,000 1,044 1,216 1, ,000 2,462 2,868 3, ,000 1,059 1,234 1, ,000 2,495 2,907 3, ,000 1,082 1,261 1, ,000 2,529 2,946 3, ,000 1,104 1,286 1, ,000 2,562 2,985 3, ,000 1,129 1,315 1, ,000 2,596 3,024 3, ,000 1,154 1,344 1, ,000 2,630 3,064 3, ,000 1,179 1,374 1, ,000 2,664 3,104 3, ,000 1,204 1,403 1, ,000 2,697 3,142 3, ,000 1,229 1,432 1, ,000 2,730 3,180 3, ,000 1,253 1,460 1, ,000 2,763 3,219 3, ,000 1,280 1,491 1, ,000 2,797 3,259 3, ,000 1,307 1,523 1, ,000 2,830 3,297 3, ,000 1,334 1,554 1, ,000 2,863 3,335 3, ,000 1,360 1,584 1, ,000 2,896 3,374 4, ,000 1,388 1,617 1, ,000 2,930 3,413 4, ,000 1,415 1,648 1, ,000 2,963 3,452 4, ,000 1,445 1,683 2, ,000 2,996 3,490 4, ,000 1,474 1,717 2, ,000 3,029 3,529 4, ,000 1,505 1,753 2, ,000 3,061 3,566 4, ,000 1,535 1,788 2, ,000 3,093 3,603 4, ,000 1,566 1,824 2, ,000 3,125 3,641 4, ,000 1,596 1,859 2, ,000 3,157 3,678 4, ,000 1,626 1,894 2, ,000 3,190 3,716 4, ,000 1,656 1,929 2, ,000 3,222 3,754 4, ,000 1,686 1,964 2, ,000 3,255 3,792 4, ,000 1,715 1,998 2, ,000 3,287 3,829 4, ,000 1,742 2,029 2, ,000 3,319 3,867 4, ,000 1,768 2,060 2, ,000 3,351 3,904 4, ,000 1,796 2,092 2, ,000 3,384 3,942 4, ,000 1,824 2,125 2, ,000 3,417 3,981 4, ,000 1,852 2,158 2, ,000 3,449 4,018 4, ,000 1,879 2,189 2, ,000 3,481 4,055 4, ,000 1,907 2,222 2, ,000 3,514 4,094 4, ,000 1,935 2,254 2, ,000 3,546 4,131 4, ,000 1,963 2,287 2, ,000 3,579 4,170 4, ,000 1,990 2,318 2, ,000 3,611 4,207 5, ,000 2,020 2,353 2,808 EACH ADD'L 360,000 2,050 2,388 2,850 5,000 ADD: ,000 2,081 2,424 2, ,000 2,112 2,460 2, ,000 2,142 2,495 2, ,000 2,172 2,530 3, ,000 2,202 2,565 3, ,000 2,232 2,600 3, ,000 2,263 2,636 3,146 For Masonry Construction, decrease base policy premium by 10%. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 5 Renewals

8 ACTUAL CASH VALUE LOSS SETTLEMENT - WINDSTORM OR HAIL LOSSES TO ROOFS - CF-1545 The policy provides settlement for building losses on a repair or replacement cost basis, subject to certain conditions. The policy may be endorsed to provide loss settlement exclusively on an Actual Cash Value basis for roofs when damage is caused by the peril of Windstorm or Hail. To develop the premium for this option, multiply the base premium by a factor of.95. ACTUAL CASH VALUE LOSS SETTLEMENT - WINDSTORM OR HAIL LOSSES TO ALL EXTERIOR SURFACES - CF-1738 The policy provides settlement for building losses on a repair or replacement cost basis, subject to certain conditions. The policy may be endorsed to provide loss settlement exclusively on an Actual Cash Value basis for roofs, exterior walls and other exterior surfaces when damage is caused by the peril of Windstorm or Hail. To develop the premium for this option, multiply the base premium by a factor of.90. PERSONAL PROPERTY - INCREASE Increase - The limit for Coverage C may be increased at an annual rate of $2.00 per $1,000 of increase. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 6 Renewals

9 DEDUCTIBLES The policy deductible may be changed by applying the appropriate Modification Factor to: 1. Premium from Base Premium Charts; and 2. Premium for the Related Private Structures optional endorsements and for amended limits for Coverage C. Deductible Factor NS-5 $250 Flat 1.30 $250 AOP / $500 Wind/Hail 1.25 $250 AOP / $1,000 Wind/Hail 1.10 $500 Flat 1.10 $500 AOP / $1,000 Wind/Hail 1.05 $500 AOP / $2,000 Wind/Hail 0.96 $1,000 Flat 1.00 (Base) $1,000 AOP / $2,000 Wind/Hail 0.94 $1,500 Flat 0.96 $2,000 Flat 0.92 $2,500 Flat 0.88 $5,000 Flat 0.76 $10,000 Flat 0.65 COMMON LOSS DEDUCTIBLE CF-2162 In the event that a covered loss occurs as a result of one occurrence to property covered under more than one policy insured with North Star Mutual, only the highest applicable deductible will apply, regardless of the number of covered property items damaged or destroyed. The applicable North Star Mutual policies to which this provision applies are: 1. Homeowners; 2. Personal Automobile; 3. Commercial Automobile (applies only to vehicles indicated on the Commercial Automobile declarations as Farm Use ); 4. Combination Package Policy (North Star Mutual covered perils only); 5. Combination Dwelling Owners (North Star Mutual covered perils only); 6. Mobile-Homeowners; and 7. Inland Marine. This provision will not apply: 1. to property rented to others for a fee when that property is insured on a separate policy than the insured s owner-occupied property; 2. if the total loss is less than the highest deductible; or 3. if it is in the insured s benefit that separate deductibles be applied. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 7 Renewals

10 INSURANCE SCORE A rating factor from the table below will be applied to the total policy premium based on the insurance score of a named insured. The insurance score, from LexisNexis, is developed from credit related information including types of accounts, balance, dates opened, and account activity, plus public records items such as judgments and liens and inquiries initiated by the insured. Insurance Score Rating Factor Insurance Score Rating Factor Below (No Hits) (No Score) Neutral Application of the Insurance Score 1. The insurance score will be applied to all new business and to existing policies at renewal. 2. A statement to indicate an insurance score has been used will be shown on the policy Declaration when an insurance score is used. 3. The insurance score used, including No Hits and No Score, will apply for a minimum of 12 months except in cases where corrections have been made for errors in the insured s credit history file with the national credit bureaus. A higher score obtained in this process will be applied back to the beginning of the current policy term. 4. The insurance score will be ordered every 3 years, unless an insured requests it at the time of a renewal. However, we do not need to obtain the updated insurance score more frequently than once in a 12-month period. 5. A No Hits or No Score will continue to apply to a policy except in cases where an insurance score is obtained from a national credit bureau. If an insurance score is returned, it will apply. 6. In order to comply with statute, a Neutral score from LexisNexis indicates that the insured s credit report has been influenced negatively by an extenuating life circumstance such as catastrophic injury or illness, temporary loss of employment or the death of an immediate family member. 7. On or after May 15, 2015, if the insurance score drops at the 3-year review, the amount of increase to the insurance score factor is limited to 0.04 per policy period. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 8 Renewals

11 ORDINANCE OR LAW The policy provides coverage for the increased cost which results from the enforcement of a code, ordinance, or law which regulates the use, construction, repair, demolition, or removal of property following a covered loss. If the covered loss plus the increased cost is more than the applicable limit, an extra 10% of the Coverage A limit is available to cover the increased cost. This 10% limit may be increased by applying the following factors to Coverage A rating: Increase Total Percentage Factor 15% 25% % 50% % 75% % 100% 1.47 Each Additional 25% Increment 0.13 ROOF SURFACE REPLACEMENT COST FACTOR As roof surfaces age they become more susceptible to damage by windstorm and hail. To maintain replacement cost coverage, a charge will be made on dwellings with asphalt shingles 16 years old and older. The charge also applies to increased limits of Coverage B (HO 3048). For steel or asphalt roofs under 5 years old, a credit will be applied. The roof surface age is determined by the difference between the current calendar year and the year the roof surface was installed. For example, calendar year is 2012 and the roof surface was installed in 1995, the roof surface age would be 17 years. When a dwelling has multiple roof surface ages the oldest roof surface age will be used to determine the level of charge. This factor is not applicable when Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roofs (CF- 1545), Actual Cash Value Loss Settlement Windstorm or Hail Losses to All Exterior Surfaces (CF-1738), or Cosmetic Damage Exclusion (CF-2051) applies. Roof Surface Age Asphalt Steel New Year Years Years Years Years to 15 Years Years Years Years Years Years and Older METAL ROOF DISCOUNT (Cosmetic Damage Exclusion applies) Dwellings Dwellings are eligible for a 10% discount when the dwelling has a metal roof surface. The discount also applies to increased limits of Coverage B (HO 3048). This discount is optional and when taken, form CF-2051 Cosmetic Damage Exclusion is added to the dwelling and related private structures insured under Coverage B (HO 3048). Related Private Structures NS-248, NS-3540 A metal roof discount is available on a Related Private Structure, specifically insured using Form NS-248 or NS-3540 if it has a metal roof surface. This discount is optional and when taken, form CF-2051 Cosmetic Damage Exclusion is added to the insured structure. Rating information for each form is shown in the Related Private Structures section of this manual. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 9 Renewals

12 NEW/UPGRADED HOME COMPONENT DISCOUNT 1. Dwellings are eligible for a premium discount as shown in the table below if: a. the original electrical system is less than 14 years old; or b. the electrical system has been fully replaced within the last 13 years. All of the old electrical wiring must be removed and replaced by new wiring. Must have new receptacles, new circuit boxes and conduit in exposed areas. The work must be certified by the installer as fully replaced. The electrical system must be inspected and approved by local civil authority for state and local building code compliance. Dwellings which have been partially rewired are not eligible. 2. The discount shall apply only to the base policy premium (must adjust for the following if applicable: revised limits of Coverage C and the selection of a deductible). It shall not apply to optional coverages or higher limits of property or liability coverages. Premium Discount Table Year of Original Electrical System Or Year Electrical System Totally Replaced Discount Current Calendar Year... 28% 1 Year Preceding Current Calendar Year... 26% 2 Years Preceding Current Calendar Year... 24% 3 Years Preceding Current Calendar Year... 22% 4 Years Preceding Current Calendar Year... 20% 5 Years Preceding Current Calendar Year... 18% 6 Years Preceding Current Calendar Year... 16% 7 Years Preceding Current Calendar Year... 14% 8 Years Preceding Current Calendar Year... 12% 9 Years Preceding Current Calendar Year... 10% 10 Years Preceding Current Calendar Year... 8% 11 Years Preceding Current Calendar Year... 6% 12 Years Preceding Current Calendar Year... 4% 13 Years Preceding Current Calendar Year... 2% PREMIUM DISCOUNTS FOR PROTECTIVE DEVICES - HO 6516 The following premium discounts will be allowed for the installation of a burglar alarm, fire alarm or automatic sprinkler system in the dwelling. Systems must be UL approved and maintained in good working condition. 1. Central Station Burglary and/or Fire Alarm System - a discount of 10%. 2. Alarm System that alerts the Fire Department or Police Department - a discount of 3%. 3. Automatic Sprinkler System with sprinklers in all areas including bathrooms, attics and attached structures - a discount of 3%. 4. Automatic Sprinkler System with sprinklers not in all areas - a discount of 2%. These discounts apply to the base policy premium (must adjust for the following if applicable: revised limits of Coverage C and the selection of a deductible). It shall not apply to optional coverages or higher limits of property or liability coverages. Maximum discount allowed is 13%. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 10 Renewals

13 PROTECTED SUBDIVISION DISCOUNT Dwellings normally rated as partially protected are eligible for a Protected Subdivision Discount if the following conditions are met: 1. The dwelling is located within a platted subdivision consisting of five or more homes; 2. The dwelling is within clear view of other occupied dwellings; 3. The subdivision, or a portion thereof, is located within 5 road miles of a responding fire department; 4. The responding fire department has the ability to transport at least 2,500 gallons of water in a single trip; 5. The dwelling is the primary or principal residence of the named insured; 6. The dwelling is located on a good access road; and 7. The dwelling is not located in a severe brush or forested area. Apply a 10% discount to the partially protected Homeowners Policy base premium rates. VALUED CUSTOMER DISCOUNT A discount, for customers of continuous Homeowners policies written with North Star Mutual for 3 or more consecutive years, will be applied starting with the 4 th policy period. The discount, as shown in the table below, will be applied to the total policy premium for each policy at each yearly policy anniversary. The maximum discount is 12%, as shown below. Number of Policy Periods Number of Policy Periods With North Star Mutual Factor With North Star Mutual Factor 1 st, 2 nd & 3 rd policy periods th policy period th policy period th policy period th policy period th policy period th policy period th policy period th policy period th policy period th policy period th policy period th policy period th policy period th policy period th policy period th policy period th 25 th policy period 0.88 Over 25 policy periods 0.88 MATURE HOMEOWNERS DISCOUNT Policies are eligible for a 5% discount if 1 of the insureds is at least 50 years old. This discount would apply to the base premium. COMPANION POLICY DISCOUNT Policies are eligible for a 10% discount if the insureds Personal Auto Insurance is insured through North Star. This discount would apply to the base premium. WOOD SHINGLE SURCHARGE All Homeowners policies with risks that have wood shingles will be surcharged 20%. This surcharge would apply to the Base Premium. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 11 Renewals

14 IDENTITY THEFT PROTECTION This protection consists of: 1. Identity Theft Recovery Service An advocacy service provided through our partnership with CyberScout. This fully case-managed expert service takes care of victims problems by leading them through the restoration process, including notifying the appropriate authorities, dealing with governmental agencies, credit collection agencies, credit bureaus, and credit grantors until the crisis is resolved. They even follow-up months later to ensure success. 2. Disaster Document Recovery CyberScout also assists disaster victims rebuild their original means of identification, as well as recreate other crucial personal and financial documents or help them with emergency authentication if they are impacted by disasters, such as hurricanes, tornados, earthquakes, including acts of terrorism, as well as home fires and floods - regardless of whether an identity theft occurred. Should an identity theft occur as a consequence of such a disaster, their advocate is there to protect and rebuild their identity. 3. Identity Fraud Expense Coverage Coverage of $5,000 is provided, at no additional cost, for expenses incurred by an insured as the direct result of identity fraud. Identity fraud occurs when an individual s personal identifying information is used without his or her permission to purchase goods or services, obtain credit, borrow money, or otherwise violate federal, state, or local law. A $100 deductible applies to Identity Fraud Expense coverage. Coverage is provided for expenses resulting from identity fraud that occurs at any time prior to the end of the policy period and is discovered by the insured during the policy period or during the one-year period that follows. In the event that the insured obtains replacement identity fraud expense coverage, the one-year extended discovery period terminates as of the date the replacement coverage takes effect. Covered expenses include: Costs for obtaining, reproducing, notarizing, or sending affidavits or other pertinent documents; Costs for telephone calls; Research fees; Lost earnings, not to exceed a maximum of $250 per day, per insured, or a total of $5,000 for lost earnings of all insureds; Loan application fees for reapplying for a loan; and Attorney fees to defend lawsuits, remove criminal or civil judgments, or challenge information provided in a consumer credit report. Optional higher limits of Identity Fraud Expense Coverage may be purchased: Amount of Increase Total Limit Additional Premium $ 5,000 $10,000 $ ,000 15, ,000 20, ,000 25, Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 12 Renewals

15 OPTIONAL COVERAGES - PROPERTY INSTALLED EQUIPMENT BREAKDOWN COVERAGE NS-2703 For an additional premium, Installed Equipment Breakdown Coverage can be added to the Homeowners. Installed Equipment Breakdown covers mechanical and electrical breakdown of installed equipment in a dwelling. Covered equipment includes: equipment designed and built to operate under internal pressure or vacuum, other than weight of contents, communication and computer equipment and other electrical or mechanical equipment. A $500 deductible applies to equipment breakdown coverage. Coverage limits are as follows: Coverage A, C & D...$50,000 Spoilage of Perishable Goods $ 3,000 Coverage A Amount Rate $0 - $249,999 $10.00 $250,000 - $499,999 $17.00 $500,000 - $999,999 $25.00 * If Installed Equipment Coverage is wanted on a Form 4 or Form 6 policy use the $0-$249,999 rates. UNDERGROUND SERVICE LINE COVERAGE CF-2158 For an additional premium, Underground Service Line Coverage may be added to the Homeowners policy to provide coverage for direct physical loss to service lines that are owned by the insured or for which the insured is legally liable to repair. This will include such things as underground pipes, including their valves and equipment and also underground wires; that convey a utility service such as water, sewage, electricity, gas, steam or communications to or from the residence on the described location. The loss must be caused by or result from a mechanical breakdown, artificially generated electric current, wear and tear, freezing, including frost heave and thaw or weight of equipment, animals, or people. The limit of coverage is $10,000. The most we will pay for any tree, plant, or shrub is $500. Additional Premium: $12 RELATED PRIVATE STRUCTURES Occupied by Insured - HO 3048 Coverage B is intended to provide coverage for structures that are pertinent to the household and not used or designed for business purposes. Typically these are detached garages or small backyard storage sheds for lawn mowers, snow blowers, garden equipment, etc. When an additional amount of insurance is written on a specific private structure, the following premium shall apply separately to each such structure: $6.00 per $1,000 coverage (all forms) This rate must be adjusted by the same Roof Surface Replacement Cost Charge or Metal Roof Discount that is applied to the Dwelling. Form CF-2051, Cosmetic Damage Exclusion is added to the insured structure when the Metal Roof Discount is given. On Premises - Specifically Scheduled Structures - NS-248 When an acceptable private structure is over 1,600 square feet or there is more than 1 private structure on the premises then the private structure must be specifically scheduled for its full replacement cost. The limit that applies to Coverage B does not apply to specifically scheduled structures. With underwriting approval, a building is acceptable when the following are met: 1. Building is not used or designed for business purposes. 2. Building must be in good condition and qualify for replacement cost. 3. Building must be written at 100% of replacement cost. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 13 Renewals

16 RELATED PRIVATE STRUCTURES (CONTINUED) The following premium shall apply separately to each such structure: Without Metal Roof Discount $6.00 per $1,000 coverage With Metal Roof Discount $5.00 per $1,000 coverage (CF-2051, Cosmetic Damage Exclusion applies) Private Structure Rented to Others - NS-3540 Coverage can be provided for private structures on the described location rented or held for rental to others, used for residential purposes and occupied by no more than 2 families. The limit that applies to Coverage B does not apply to specifically scheduled structures. The following premium shall apply separately to each such structure: * Without Metal Roof Discount $7.00 per $1,000 coverage * With Metal Roof Discount $6.00 per $1,000 coverage (CF-2051, Cosmetic Damage Exclusion applies) * To this charge, add liability charge for residence premises rented to others. ADDITIONAL INSURED Additional Insured HO 6041 Extends coverage for Coverage A - Residence, Coverage B Related Private Structures, Coverage L - Personal Liability; and Coverage M Medical Payments to Others for a specifically named party or parties having an insurable interest in the covered property and their liability arising out of the insured premises. Complete name, mailing address and extent of interest of the additional insured(s) is required along with the location to which the insurable interest applies. No additional premium is charged. Additional Insured(s) Residents Of Household - NS-433 Extends coverage for Coverage C Personal Property, Coverage D Additional Living Costs and Loss of Rent, Coverage L Personal Liability; and Coverage M Medical Payments to Others for residents of the named insured s household who are not related to the insured and who would not otherwise be covered as an insured under the policy. The name of the additional insured(s) is required. Rates apply per each additional insured. Each add l Limit of Liability: $100 $300 $500 $1,000 $500 Med Pay Additional Premium: $12 $16 $18 $27 $3 Additional Insured (Persons or organizations) Interest in Premises Liability (Farm) - GL-70 Covers the additional interest of a person or organization with a liability interest in an insured location. The name and address of the person or organization is required along with identification of which location they have an interest in and the extent of that interest. See NSASHO-21 for rates. THEFT COVERAGE - RESIDENCE UNDER CONSTRUCTION - NS-1413 All Homeowners forms exclude loss by theft or attempted theft in or to a residence being built or theft of materials or supplies for use in construction of the residence until the residence is occupied. The North Star has available an optional endorsement to provide theft coverage from a residence while it is being built and before it is occupied by the insured. The Homeowners rules permit the writing of a Homeowners policy on a residence under construction for occupancy by the insured. This endorsement may then be attached to provide theft coverage in those situations. This endorsement gives this coverage for 180 days at a flat premium charge of $20 per $1,000 of coverage and is subject to the policy deductible. You must specify the amount of coverage wanted on this endorsement. The coverage provided by this endorsement is subject to the policy deductible. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 14 Renewals

17 BACK UP OF SEWERS, DRAINS & SUMP SYSTEMS - NS-208 (This is not Flood Insurance) For an additional premium, coverage for direct loss to covered property caused by water or matter present in the water that enters the residence through sewers, drains and sump systems may be added. This coverage does not apply to coverage B and D. The policy deductible amount and terms apply to this coverage. The following underwriting eligibility criteria must be met when writing sewer back-up limits of $10,000 or more: 1. No previous sewer back-up claims in the past 5 years. 2. There must be a sump pump with a battery back-up and/or a generator on site. The generator can be automatic or portable. Limit of Liability: $1,000 $2,500 $5,000 $10,000 $15,000 $20,000 $25,000 Additional Premium: $25 $45 $65 $130 $170 $220 $260 NOTE: An agent cannot bind coverage. Coverage does not become effective until 15 days after the effective date shown on the Declarations issued for this coverage (applies if this coverage is new or to any increase of limit). ENHANCEMENT ENDORSEMENTS The Homeowner Enhancement Endorsements increase the internal Limits on Certain Property which are built in to the Homeowner base policy form. Two options are available - the HO Extra or the HO Premier. The Arson Reward coverage is an added coverage under either option. Special Limits under Coverage C are increased to the amounts specified for each form. If an increase is requested on individual items, coverage then can be obtained either by not attaching these endorsements and using the previous method or by adding scheduled Inland Marine coverage where available. HO EXTRA HO PREMIER (Limits) (Limits) Money $ 500 $ 1,000 Securities 2,500 5,000 Electronic Devices In/On Vehicle 2,500 5,000 Electronic Devices For Business Not In/On Vehicle 2,500 5,000 Watercraft 2,500 3,000 Trailers (Not Watercraft) 2,500 5,000 Theft of Jewelry 5,000 7,500 Theft of Silverware 5,000 7,500 Theft of Guns 5,000 10,000 Business Property On Premises 5,000 7,500 Business Property Off Premises 1,000 1,500 Motorized Vehicle Used To Service Premises 10,000 15,000 Arson Reward 1,000 5,000 Homeowners Extra Enhancement - $79 Attach CF-2094 Homeowners Premier Enhancement - $165 Attach CF-2095 BUSINESS PROPERTY - HIGHER LIMITS - HO 3565 The policy limits coverage for business property on the insured premises to $2,500. Business property while away from the insured premises is limited to 20% of the limit that applies to business property on the insured premises. The limit for business property on the insured premises may be increased. Additional Premium: $1.00 per $100 coverage (over $10,000, discuss with Underwriting.) Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 15 Renewals

18 CREDIT CARD, ELECTRONIC FUND TRANSFER CARD OR ACCESS DEVICE, FORGERY, AND COUNTERFEIT MONEY INCREASED LIMIT The policy limits coverage for loss by theft or unauthorized use of credit/debit cards, forgery or alteration of checks or drafts, or acceptance of counterfeit paper currency to $1,500. This may be increased to the aggregate limits shown below. Additional Premium: $ 2,500 $2 5, , ,000 5 EARTHQUAKE COVERAGE - HO 2754 For an additional premium, we insure for direct physical loss to property covered under Coverage A, B or C caused by earthquake. When the Earthquake peril is written, it must be written for the same coverages and the same limits as the other coverages written in the policy. The deductible is 5% of the limit for each coverage and is subject to a $250 minimum. If the limit on property is increased by endorsement, the total limit is used to determine the deductible. EARTHQUAKE COVERAGE RATES PER $1,000 OF COVERAGE Frame All Other NS-5 (Coverage A) $.19 $.29 Higher Limits of: Coverage B Coverage C NOTE: When the construction of a building is frame; aluminum, plastic or steel siding over frame; or stucco, coverage for exterior masonry veneer is optional refer to endorsement. If the special exclusion applies (loss to exterior masonry veneer is not covered), rate using the Frame rates. If the special exclusion does not apply (loss to exterior masonry veneer is covered), rate using the All Other rates. FIRE DEPARTMENT SERVICE CHARGE - HIGHER LIMIT The policy limits coverage for Fire Department Service Charge to $500. This may be increased as needed. Additional Premium: $2.00 per $100 coverage GUNS AND GUN ACCESSORIES - HIGHER LIMIT The policy limits coverage for guns and gun accessories to $2,500 for loss by theft, misplacing or losing. Coverage may be increased as needed. Additional Premium: MONEY - HIGHER LIMIT $1.90 per $100 coverage Money coverage may be increased from the base limit of $250 to a maximum of $700 at the following rates per $100: Additional Premium: $6.00 per $100 coverage Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 16 Renewals

19 MOTORIZED VEHICLES - HIGHER LIMIT The policy limits coverage for motorized vehicles used to service the insured premises and not licensed for use on public roads to $7,500. Coverage may be increased as needed. Additional Premium: $5.00 per $1,000 coverage SILVERWARE, GOLDWARE, PLATINUMWARE AND PEWTERWARE - HIGHER LIMIT The policy limits coverage for silverware, goldware, platinumware and pewterware to $2,500 for loss by theft, misplacing or losing. Coverage may be increased to an aggregate of $11,500. Additional Premium: $0.48 per $100 coverage UNSCHEDULED JEWELRY, WATCHES AND FURS - HIGHER LIMIT The policy limits coverage for unscheduled jewelry, watches and furs to $2,500 for loss by theft, misplacing or losing. Coverage may be increased to an aggregate of $3,000. When the limit is increased, the most paid for loss to any one article is $1,000. Additional Premium: $2.00 per $100 of coverage Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 17 Renewals

20 OPTIONAL COVERAGES - LIABILITY INCREASED LIMITS OR ADDITIONAL RESIDENCE PREMISES Liability $100,000 $300,000 $500,000 $1,000,000 For each $500 Med. Medical Payments $1,000 $1,000 $1,000 $1,000 Pay. Add or Discount: Described Residence Premises: 1 Family $ -- $15 $29 $ 66 $3 Additional Residence Premises Occupied by Insured: Additional Residence Premises Rented to Others (NS-70): 1 Family Family Family Family Our maximum number of rental units is limited to four 1 to 4 family dwellings. If more, please refer to the Commercial Underwriting Department. Maximum Medical Payments option is $5,000. INCIDENTAL OFFICE - NS-3542 When the insured maintains an incidental office, professional, private school or studio use in the dwelling, which otherwise meets the eligibility requirements, the limit for Coverage C (Personal Property) must not be less than 75% of the Coverage A limit. Add to the foregoing, the appropriate charge from the following table: Liability $100,000 $300,000 $500,000 $1,000,000 For each $500 Med. Medical Payments $1,000 $1,000 $1,000 $1,000 Pay. Add or Discount: $11 $13 $15 $23 $2 NOTE: These rates are not to be used for Day Care or Babysitting. See below for rates and eligibility. BABYSITTING - NS-157B North Star will provide Liability and Medical Payments coverage for babysitting in the insured s home subject to the underwriting rules below: Underwriting Rules for Babysitting 1. If the insured babysits 5 children or less, we can write the Homeowners policy and also provide liability for babysitting. 2. If the insured babysits more than 5 children, we cannot issue a Homeowners policy. Liability $300,000 $500,000 $1,000,000 For each $500 Med. Medical Payments $1,000 $1,000 $1,000 Pay. Add or Discount: $74 $81 $122 $3 NOTE: Minnesota minimum insurance requirements for this coverage are $250,000 per occurrence, subject to $100,000 per person. Minnesota All Star New Business North Star Mutual Ins. Co. NSASHO - 18 Renewals