DWELLING AND FARM PROPERTIES MANUAL

Transcription

1 FARMERS MUTUAL INSURANCE COMPANY DWELLING AND FARM PROPERTIES MANUAL

2 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA TABLE OF CONTENTS GENERAL RULES Eligibility Definitions Program Description Policywriting Instructions Premium Determination Additional Hazards Optional Coverages - Dwelling Property Optional Coverages - Farm Property STATE PAGES Exceptions Additional or Special Provisions Premuim Tables 1986 AAIS

3 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA INDEX Rules Page Added Animal Perils...11 Additional Hazards... 8 Assignment or Transfer... 5 Blanket Form... 3 Borrowed Machinery and Equipment...11 Broad Form... 9 Building or Fire Division... 2 Buildings Under Construction... 9 Cancellation... 7 Classification Definitions... 2 Coinsurance... 5 Deductibles...10 Definitions Classification... 2 Construction... 2 Dwelling, Definition... 2 Earthquake... 9 Eligibility... 1 Extended Coverage Dwelling... 9 Farm...11 Extension or Renewal... 5 Extra Coverages... 4 Farm Property Forms... 3 Fire Department Service Charges...10 Forms, Basic and Broad... 3 Heating in Farm Buildings... 8 Increased Limits... 9 Insulation, Urethane or Styrene... 8 Minimum Policy s... 5 Minimum Premuim... 5 Mobile Homes... 7 Mobile Home, Definition... 2 Optional Coverages - Dwelling Property... 9 Farm Property...11 Outdoor Antennas... 9 Owner-Occupied, Definition... 2 Peak Season Inventories Index 1 AAIS

4 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA Personal Property in Other Than Dwellings... 7 Policywriting Instructions... 5 Premium Determination - Computations... 6 Interpolation... 7 Rounding... 6 Sharing... 7 Waiver... 6 Program Description... 3 Rate Revisions, Manual... 6 Seasonal Properties... 7 Townhouse or Row House... 7 Vacancy or Unoccupancy... 8 Vandalism... 9 Weight of Ice, Snow or Sleet Index 2 AAIS

5 FARMERS MUTUAL INSURANCE COMPANY DWELLING FIRE PROGRAM UNDERWRITING RULES & AUTHORITIES 1. BINDING AUTHORITY A. You may bind coverage for any risk meeting the underwriting rules outlined in this manual. However, binding authority cannot exceed the following Maximum dwelling coverage amount $150,000 Maximum liability amount $300,000 No more than 5 dwellings per policy If policy is in commercial name: must be written in commercial lines B. Minimum dwelling coverage amount Broad form $25,000 Basic form $10, STRUCTURE A. Foundation Broad form: Continuous solid foundation Basic form: Block pier or wood post acceptable B. Heat Basic form: Space heat acceptable Broad form: Floor furnace or circulating heat acceptable up to $60,000 Central heat (thermostatically controlled, vented in every room) required for value in excess of $60,000 C. Occupancy Basic or Broad form: 1 & 2 family dwellings acceptable No student housing D. Electric Broad form: Breaker box required Basic form: Fuses acceptable E. Roof Basic or Broad form: Shingle, Metal or Rolled roofing Rev. 7/11 DF-1

6 F. Plumbing Basic or Broad form: Plastic or Copper acceptable G. Dwelling Dwellings under construction or complete renovation: Must be written at Basic, Seasonal, Frame rates until completed Hybrid dwellings w/solid foundation: Broad form acceptable Hybrid dwellings w/pier foundation & skirting: Basic form acceptable (Hybrid dwelling: mobile home with room additions) Basic form: Seasonal property (no VMM) 3. RISK CRITERIA A. Check with underwriting on risks requiring exceptions B. Mailed applications: completed with signatures, payment & photos of all insured structures On line applications: All screens completed, payment information & photos (retain signature in your office) C. When extending liability to other structures photos are required D. In situations where individuals are co-habiting, all individuals must be shown on the policy as named insured s E. Liability & med pay are optional & may be added for an additional premium. GL70 is used for 5 acres or less. GL71 is used for acreage in excess of 5. An additional charge is made for each separate tract of land. Location of each additional tract is required F. If liability & med pay are added: Handrails required on all steps of 4 or more risers In ground pools must be fenced & locked Above ground pools must be enclosed w/railing, gated & locked or lockable gate or property fenced w/lockable gate. G. Mortgagees: No more than 2 per item Rev 7/11 DF-2

7 F. Plumbing Basic or Broad form: Plastic or Copper acceptable G. Dwelling Dwellings under construction or complete renovation: Must be written at Basic, Seasonal, Frame rates until completed Hybrid dwellings w/solid foundation: Broad form acceptable Hybrid dwellings w/pier foundation & skirting: Basic form acceptable (Hybrid dwelling: mobile home with room additions) Basic form: Seasonal property (no VMM) 3. RISK CRITERIA A. Check with underwriting on risks requiring exceptions B. Mailed applications: completed with signatures, payment & photos of all insured structures On line applications: All screens completed, payment information & photos (retain signature in your office) C. When extending liability to other structures photos are required D. In situations where individuals are co-habiting, all individuals must be shown on the policy as named insured s E. Liability & med pay are optional & may be added for an additional premium. GL70 is used for 5 acres or less. GL71 is used for acreage in excess of 5. An additional charge is made for each separate tract of land. Location of each additional tract is required F. If liability & med pay are added: Handrails required on all steps of 4 or more risers In ground pools must be fenced & locked Above ground pools must be enclosed w/railing, gated & locked or lockable gate or property fenced w/lockable gate. G. Mortgagees: No more than 2 per item Rev 7/11 DF-2

8 4. WOOD STOVE GUIDELINES A. Wood stoves vented into a metal UL approved triple wall or double wall insulated chimney acceptable B. Wood stoves vented into a fireplace must have the vent pipe extended to the top of the chimney C. Wood stoves vented into a chimney located on or within an external wall must be built from the ground up & have a tile or metal liner D. A completed wood stove questionnaire & photo of stove must accompany application 5. UNACCEPTABLE RISKS OR EXPOSURES A. Vacant or unoccupied dwellings B. Wood stoves or kerosene heat as sole source of heat C. Vicious dogs, including any dog that has bitten previously or any risk with the following: Rottweiler, Pit Bull, Doberman Pinscher, German Shepherd, Chow, Akita or any dog mixed with these. D. Existence of trampoline, broken steps, missing handrails or unfenced pools E. Applicants who have been canceled, non-renewed or declined by another company in the last 5 years F. Applicants who have had a total loss or theft claim G. Check with underwriting if applicant has had any losses H. Wood stoves in mobile homes or their additions Rev 7/11 DF-3

9 FARMERS MUTUAL INSURANCE COMPANY DWELLING FIRE MOBILE HOME PROGRAM UNDERWRITING RULES & AUTHORITIES 1. ELIGIBILITY A. Limit of insurance: Mobile home age - Current & 3 prior years may be written for the purchase price with a copy of the bill of sale All others must be written for current NADA value plus additions Additions: Porches (w/roof) $15 per sq. ft. Decks $10 per sq. ft. Rooms $30 per sq. ft. B. Maximum coverage limit $125, & older mobile homes $25,000 C. Minimum coverage limit Broad form $20,000 (not offered on mobile homes 1979 & older) D. Fireplaces Factory installed fireplaces acceptable with a 20% surcharge. NO wood burning stoves E. Liability limit $300,000 maximum 2. RISK CRITERIA A. Check with underwriting on risks requiring exceptions B. Mailed applications: completed with signatures, payment & photos of all insured structures On line applications: All screens completed, payment information & photos (retain signature in your office) C. When extending liability to other structures photos are required D. In situations where individuals are co-habitating, all individuals must be shown on the policy as named insured s Rev 6/12 DFMH - 1

10 E. Liability & med pay are optional & may be added for an additional premium. The GL-70 is used for 5 acres or less. The GL-71 is used for acreage in excess of 5. An additional charge is made for each separate tract of land. The location of each additional tract is required. If liability & med are added: Handrails required on all steps of 4 or more risers In ground pools must be fenced & locked Above ground pools must be enclosed w/railing, gated & locked or lockable gate or property fenced w/lockable gate F. Mortgages No more than 2 per item G. No student housing 3. UNACCEPTABLE RISKS OR EXPOSURES A. Wood stoves or kerosene space heat as any sole or supplemental source of heat B. Vacant or unoccupied mobile homes C. Vicious dogs: including any dog that has bitten previously or any risk with the following: Rottweiler, Pit Bull, Doberman Pincher, German shepherd, Chow, Akita or any dog mixed with these (If liability is attached to policy) D. Existence of a trampoline, broken steps, missing handrails or unfenced pools. (If liability is attached to policy). E. Applicants who have been canceled, non-renewed or declined by another company in the last 5 years F. Applicants who have had a total loss or theft claim G. Check with underwriting if applicant has had any losses Rev 6/12 DFMH - 2

11 DWELLING FIRE AND FARM PROPERTIES PROGRAM WEST VIRGINIA LISTING OF FORMS AND ENDORSEMENTS ED. 1.0 The forms and endorsements approved for use under this program may vary from state to state. This listing identifies the editions of forms and endorsements that apply in this state. An x, if shown below, identifies an item that does not apply in most other states. Check the state-specific listing to determine the forms and endorsements approved for use in another state. FORMS Number Edition Eff Date FL /01/94 Basic Form FL /01/94 Broad Form FL /01/94 Farm Coverage FL /01/94 Policy Conditions (use only when FL-1 or FL-2 DOES NOT apply) MANDATORY ENDORSEMENTS Number Edition Eff Date CL /01/96 Amendatory Endorsement CL x 07/06/05 Flood Coverage Notice - West Virginia (Filing not required) FL /01/98 Calendar Date or Time Failure Exclusion FL /01/11 Water Exclusion Endorsement FL /01/04 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage FL /01/04 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage FL /01/07 Virus Or Bacteria Exclusion FL /01/08 War And Military Action Exclusion FL /17/13 Amendments to Dwelling Coverage s including exclusion of Recreational Vehicles FL /17/13 Amended Vandalism or Malicious Mischief and Burglary Damage Exclusions (Controlled Substance Exclusion) ML x 11/01/94 Required Fire Form CONDITIONAL ENDORSEMENTS - SEE RULES Number Edition Eff Date CL x 06/01/08 Coal Mine Subsidence Coverage Part Non-Dwelling Structure - West Virginia CL x 06/01/08 Coal Mine Subsidence Coverage Part Dwelling Structure - West Virginia OTHER ENDORSEMENTS Number Edition Eff Date FL /01/94 Earthquake FL /01/94 Insurance By More Than One Company FL /01/94 Coverage C - Higher Limit of Liability on Certain Property FL /01/93 Consent to Move Mobile Home FL /01/93 Collision or Upset Coverage FL /01/93 Additional Secured Party s Interest FL /01/93 Additional Interest FL /01/93 Debris Removal FMIC - 1 -

12 DWELLING FIRE AND FARM PROPERTIES PROGRAM WEST VIRGINIA LISTING OF FORMS AND ENDORSEMENTS ED. 1.0 OTHER ENDORSEMENTS Number Edition Eff Date FL /01/94 Ordinance or Law FL /01/94 Restriction of Individual Policies FL /01/94 Fire Department Service Charge - Higher Limits FL /01/94 Theft Exclusion FL /01/94 Lender's Loss Payable Clause FO /01/94 Weight of Ice, Snow, or Sleet FO /01/94 Added Animal Perils The notice(s) referenced above must be distributed to policyholders and/or applicants. Other notices may be required. Check state insurance law FMIC - 2 -

13 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES RULES WEST VIRGINIA RULE 2 DEFINITIONS 2.1 Classifications Dwelling - A building constructed and used for residential purposes and designed for occupancy by not more that two families Mobile Home - A portable unit, not self-propelled, constructed and used for residential purposes and designed for occupancy by one or two families Owner-Occupied - Occupied in whole or in part for residential purposes by the insured who owns the property, is a contract purchaser or is an occupant under life tenancy. 2.2 Construction Building or Fire Division - That part or section of an enclosed structure separated from other parts or sections by space or by masonry walls at least eight inches thick through or to the underside of the roof. Any openings through such masonry walls must be protected by fire doors approved for installation on fire walls Frame - A dwelling with exterior walls constructed of combustible materials, such as wood, or constructed of incombustible materials on combustible supports Masonry - A dwelling with exterior walls constructed of brick, concrete block, concrete, tile or other masonry materials or constructed of incombustible materials on incombustible supports. Dwellings of mixed frame and masonry construction shall be classed as frame for rating purposes if walls of frame construction exceed 33 1/3 percent of the total exterior wall area Masonry Veneered - A dwelling with exterior walls constructed of combustible material covered with masonry. Dwellings of masonry veneered construction shall be classed as masonry for rating purposes. 05/2001 Rules - 2 AAIS

14 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA RULE 3 PROGRAM DESCRIPTION The rates, rules, classifications and other provisions in this manual are intended to apply in conjuction with policy form FL-20 and Perils Section form. The Perils Section form is to be selected and attached to every policy to provide coverage on a residence, related private structures and/or personal property outlined as follows: 3.1 Dwelling and Household Personal Property Basic Form - Perils Section Form FL-1 Covers perils of Fire, Lightning and Explosion. Optionally covers extended coverage perils of: Windstorm or Hail Riot or Civil Commotion Aircraft Vehicles Smoke Damage Optionally covers peril of Vandalism Broad Form - Perils Section Form FL-2 Covers all perils in the Basic Form plus: Glass Breakage Burlary Damage Falling Objects Weight of Ice, Snow or Sleet Collapse of Building Accidental Tearing Apart of Heating or Air Conditioning System Accidental Discharge of Water or Steam Freezing of Plumbing or Heating System Accidental Electrical Damage 3.2 Farm Buildings, Structures and Farm Personal Property Farm Property Form FL-6 Covers perils of Fire, Lightning and Explosion. Optionally covers extended coverage perils of: Windstorm or Hail Riot or Civil Commotion Aircraft Vehicles Smoke Electrocution of Livestock Collision Optionally covers peril of Vandalism Farm Property Form FL-6A Covers perils of Fire, Lightning and Explosion. Optionally covers extended coverage perils of: Windstorm or Hail Riot or Civil Commotion Aircraft Vehicles Smoke Theft of Livestock and Machinery Collision Electrocution of Livestock 3.3 Extra Coverages Optionally covers peril of Vandalism 1986 Rules - 3 AAIS

15 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA Any coverages not otherwise provided for in this manual may be written in accordance with the rates, rules, forms and endorsements filed by or on behalf of the company Rules - 4 AAIS

16 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES RULES WEST VIRGINIA RULE 4 POLICYWRITING INSTRUCTIONS 4.1 Assignment or Transfer With the permission of the company and subject to appropriate adjustment of premium, A dwelling policy may be endorsed to change the named insured when the ownership changes or to transfer the coverage to another location in the same state. Use Change Endorsement FL Coinsurance A coinsurance clause is not required in any policy written under the provisions of this manual. 4.3 Extension or Renewal A dwelling policy may be extended or renewed for successive terms or policy periods. Refer to the company for appropriate instructions, endorsements and forms. 4.4 Minimum Policy s Dwelling Fire $5,000 Broad Form $20,000 Dwelling Fire Contents 5,000 6,000 Mobile Home 2,000 10,000 Mobile Home Contents 2,000 6, Mobile Homes 2, Mobile Home Contents 2, Minimum Premium 4.5 A premium of at least $40 shall be charged for any policy or for any annual installment. 4.6 Restriction of Individual Policies If a policy would not be issued because of unusual exposures, the named insured may request a restriction of the policy at no reduction in the premium. When the company grants such a request and the policy is so restricted, the Restriction of Individual Policies Endorsement ML-304 must be attached specifying the policy restriction(s) made and bearing the signature of the named insured Rules 5 AAIS

17 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA RULE 5 PREMIUM DETERMINATION 5.1 Computations Each policy premium shown shall be rounded to the nearest dollar with $.50 or more rounded to the next higher dollar. Return premium computations should be rounded in the same manner. Additional or return premiums resulting from mid-term policy changes other than cancellations shall be determined on a pro rata basis. Premiums for increased amounts of insurance or added coverages shall be premiums in effect as of the date of change. Manual rate reductions may be applied only at the next policy anniversary date, except that premiums for policies effective within 45 days prior to the effective date of reduction may be adjusted pro rata. Premiums in effect at policy inception shall be used, except that policies written 45 days or less prior to the effective date of a manual increase may continue at previous rates. Additional or return premiums of $2 or less may be waived, except a return premium shall be made if requested by the insured. 5.2 Dwellings Determine premiums for applicable coverages and amount of insurance using rates and premiums specified in the State Rate Pages. Apply modifications and adjustments as directed. 5.3 Farm Buildings and Structures Determine premiums for applicable coverages and amount of insurance for each building or structure for which different rates are specified in the State Rate Pages. Apply modifications and adjustments as directed. 5.4 Farm Personal Property Determine premiums for applicable coverages and amount of insurance for each type of property for which different rates are specified in the State Rate Pages. Apply modifications and adjustments as directed. 5.5 Interpolation To determine the premium for an amount of insurance between two amounts shown in the premium tables, add the pro rata premium for the difference between the nearest amounts shown to the premium for the lower amount. 5.6 Cancellation When the cancellation is initiated by the company or occurs after the first year of policy term, the return premium shall be calculated on a pro rata bases. When cancellation is at the insured's request and is during the first year of policy term, the return premium shall be.90 of the pro rata unearned premium for the first year plus all prepaid premium for subsequent years, subject to a minimum retained premium of $ Rules - 6 AAIS

18 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA 5.7 Personal Property (Coverage C) in Buildings Other Than 1-4 Family Dwellings, Related Private Structures and Mobile Homes Fire premiums as specified in the State Rate Pages section for five or more families shall be used. If the building contains apartments only and is of fire resistive construction, use.8 times the premiums specified for five or more families in masonry buildings. times If the building contains a business occupancy (building specifically rated or class rated), use 1.5 the premiums for masonry construction, except if the building is frame construction, use 1.5 times the premiums for frame. 5.8 Mobile Homes A dwelling policy may be issued to cover a mobile home permanently situated at a fixed location. Determine premiums as specified in the State Rate Pages section. 5.9 Seasonal Properties Premiums for seasonal properties shall be determined as specified in the State Rate Pages section. A dwelling normally unoccupied for three or more consecutive months a year is considered a seasonal dwelling Townhouse or Row House Premiums for townhouses or row houses containing not more than four families in one building or fire division should be determined by the number of families in the building or fire division. If over four families, rates and rules for commercial buildings apply for coverage on the building Rules - 7 AAIS

19 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA RULE 6 ADDITIONAL HAZARDS When any of the following conditions exist, the fire premium should be increased by the percentage indicated. The risk must be submitted to the company for review of the charges prior to policy issuance. PREMIUM INCREASE a. Heat Producing Equipment The dwelling does not have central heating equipment, or unsafe arrangement of or 30% clearance from furnaces, stoves, ovens, ranges, chimneys, stovepipes, gas vents or similar heating equipment. Apply premium increases or reductions for heating equipment features in barns and outbuildings as directed in the State Rate Pages. b. Electrical Equipment Unsafe or inadequate wiring, circuits, outlets, overloading, overfusing, non-standard 20% extensions or other non-standard electrical equipment. c. Maintenance and Housekeeping Property not in good repair; wood surfaces in need of paint; deteriorating roof, 30% porches, chimneys or other indications of neglect. Accumulation of refuse or litter in the building or yard. d. Construction Subdivision or conversion of original spaces into additional units with overcrowding. 20% Inferior or non-professional construction. e. Exposure Buildings in rows or congested configuration. Adjoining properties vacant, 20% abandoned, fire gutted or otherwise unusually hazardous. f. Vacancy or Unoccupancy Dwelling is vacant or unoccupied and is expected to remain so for an extended period 40% of time. g. Exposed Insulation Exposed urethane or styrene insulation installed in any building. 100% 1986 Rules - 8 AAIS

20 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA RULE 7 OPTIONAL COVERAGE - DWELLING PROPERTY 7.1 Broad Form Coverage for Broad Form perils, as described in Rule 3 - Program Description, may be written by attaching Perils Section Form FL-2 and charging premiums as directed in the State Rate Pages section. 7.2 Earthquake Loss by earthquake may be included in policies covering fire and extended coverage by attaching Earthquake Endorsement FL-12. The premium shall be determined by the amount of insurance on each item and the rates specified in the State Rate Pages section. 7.3 Extended Coverage The Extended Coverage perils may be included by charging premiums determined from the Extended Coverage Premium Tables. 7.4 Vandalism Coverage may be included by charging premiums determined from the Vandalism Premium Tables. 7.5 Increased Limits Special limits of liability are specified for certain types of property in Form FL-20. The limits for the types of property listed below may be increased by attaching Endorsement FL-15 and charging a premium determined by applying the rate shown. a. Outdoor antennas, including their lead-in wiring, accessories, masts and towers. $2.00 ANNUAL RATE PER $100 INCREASE b. Money, bank notes, bullion, gold other than goldware, silver other than silverware, 2.50 platinum, coins, medals and numismatic property. c. Securities, commercial paper, stamps, philatelic property, tickets, accounts, deeds,, 1.50 evidence of debt, passports, manuscripts, unpublished works and other valuable papers. d. Jewelry, watches, precious and semiprecious stones, gems and furs, but not 1.00 exceeding $500 for any one article. e. Silverware, goldware, pewterware and items plated with gold or silver..50 f. Motorized vehicles used to service the insured premises and not designed or.50 licensed for use on public roads Rules - 9 AAIS

21 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING & FARM PROPERTIES MANUAL WV 7.6 Buildings under Construction Dwellings & related private structures under construction may be insured by using the regular forms & charging the applicable seasonal premium 7.7 Deductibles The forms used in conjunction with the premiums shown in this manual contemplate a $500 all perils loss deductible clause applying per occurrence. An increased deductible clause may be substituted by making appropriate entry on the declarations & reducing the $500 deductible premium as follows: DEDUCTIBLE FIRE EC, VMM & BROAD FORM $1,000 5% 22% $2,500 10% 34% $5,000 15% 38% 7.8 Fire Dept Service Charge Coverage for fire dept service charges may be provided. Insure for a specific amount as a separate item. ENDORSEMENT FL-13 $25 per $1,000 of insurance Rev 11/11 Rules-10 AAIS

22 AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA RULE 8 OPTIONAL COVERAGES - FARM PROPERTY 8.1 Added Animal Perils When livestock coverage is provided by the policy, the perils insured against may be extended to include death of farm animals by accidental shooting, drowning, attack by dogs or wild animails and collapse of building. The additional premium shall be calculated by applying the following annual rates to the total amount of livestock insurance written. Excluding sheep $ 2.50 per $1,000 Sheep $11.00 per $1,000 Attach Endorsement ML Extended Coverage The Extended Coverage perils may be included by charging premiums determined from the Extended Coverage Premium Tables. 8.3 Vandalism Coverage may be included by charging premiums determined from the Vandalism Premium Tables. 8.4 Buildings Under Construction Farm buildings and structures under construction may be insured by using the regular forms and charging the applicable not owner-occupied premiums. 8.5 Farm Personal Property - Peak Season Inventories The policy may be written to provide increased amounts of coverage for farm personal property for specific 30-day periods. The specific period of peak season coverage may not extend beyond the expiration date of the policy. The additional premium shall be determined by pro rating, on the basis of time, using the Coverage E rates in the State Rate Pages. Attach Endorsement ML Fire Department Service Charges Coverage for fire department service charges may be provided by insuring for a specific amount as a separate item. The annual rate shall be $25 per $1,000 insurance. Attach Endorsement FL Borrowed, Rented or Leased Farm Machinery, Vehicles and Equipment The policy may be extended to provide coverage on borrowed, rented or leased farm machinery, vehicles and equipment for loss by the perils insured against. The additional premium shall be calculated by applying the rates for machinery in the State Rate Pages to the amount of insurance written. Attach Endorsement ML Weight of Ice, Snow or Sleet Coverage The perils insured against under the policy may be extended to include loss by weight of ice, snow or sleet to all property insured under Coverage E - Farm Personal Property and Coverage F - Farm Barns, Buildings and Structures. At the option of the company, this coverage may be written on just specific items of Coverage E or F. The additional premium shall be calculated at $1.50 annually per $1,000 of the amount of insurance applicable to the specific items of Coverage E or F. Attach Endorsement ML Rules - 11 AAIS

23 FARMERS MUTUAL INSURANCE COMPANY DWELLING AND FARM PROPERTIES MANUAL West Virginia GENERAL RULES EXCEPTIONS None ADDITIONAL OR SPECIAL STATE PROVISIONS The following endorsements must be attached to policies covering Dwelling Properties located in West Virginia: ML-101 ML-126 FL-250 Required Fire Form West Virginia Loss Payment Endorsement Amendatory Endorsement The following endorsements must be attached to policies covering Farm Properties located in West Virginia: ML-101 FL-250 Required Fire Form Amendatory Endorsement MINE SUBSIDENCE INSURANCE Refer to the Manual Supplement for information regarding Coal Mine Subsidence Insurance. MOBILE-HOMES To determine the seasonal fire premium, use the rate chart in this manual. To determine the seasonal EC premium, use the dwelling EC rates plus 20%. The seasonal V&MM rate also applies. To determine the seasonal fire premium for the 20+ program, use the rate chart plus 40%. To determine the EC premium, use the dwelling EC rates plus 20%. The season V&MM rate also applies. The 20+ program has a minimum $500 deductible. Rev 1/03 WV-1 AAIS

24 FARMERS MUTUAL INSURANCE COMPANY DWELLING AND FARM PROPERTIES MANUAL West Virginia DEFINITIONS APPLICABLE TO COVERAGES E AND F Barns, Outbuildings and Other Structures (excluding Silos): Type 1 a. Building must be in good physical condition, and so certified by the agent after careful inspection. b. Not over one story high. c. Foundation under all exterior walls must be continuous and of mortared masonry or concrete construction. Buildings framed on poles of minimum six inch diameter at ground line, set a minimum of four feet below ground level may be considered as satisfying this requirement when the poles have been pressure treated with wood preservative. d. Building must be fully enclosed with no open sheds attached. e. No hay storage. f. No exposed urethane or styrene insulation. g. Building must be fully utilized in the farming operation.. h. Type 1 buildings written for less than $2,000 shall be classified as Type 3. Type 2 a. Building must be in good physical condition, and so certified by the agent after careful inspection. b. Foundation under all exterior walls must be continuous and of mortared masonry or concrete construction. Buildings framed on poles of minimum six inch diameter at ground line, set a minimum of four feet below ground level may be considered as satisfying this requirement when the poles have been pressure treated with wood preservative. c. No exposed urethane or styrene insulation. d. Building must be fully utilized in the farming operation.. e. Type 2 buildings written for less than $2,000 shall be classified as Type 3. Type 3 All other building not eligible for Type 1 or Type 2 classification. The following must be classified as Type 3: Buildings occupied or constructed for crop drying, grain grinding, seed grain drying, alfalfa or hay chopping, private greenhouses and portable buildings and structures. The premium for portable buildings and structures is determined by total coverage on all such buildings and not individually by building or structure. The premium for private power and light poles and wiring is determined by total coverage on all such property. Silos Type 1 All silos except those of frame or frame metal clad construction. Minimum amount $5,000. Type 2 Silos not qualifying for Type 1 except those of frame or frame metal clad construction. Minimum amount $1,000. Type 3 Frame including frame metal clad WV-2 AAIS

25 FARMERS MUTUAL INSURANCE COMPANY DWELLING AND FARM PROPERTIES MANUAL West Virginia FARM BARNS AND OUTBUILDINGS - HEATING Charges apply to buildings and contents. a. Gas or Electric: for gas or electric brooders and heating stoves or gas or portable electric heating devices of any description (other than electric light or heat bulbs). b. Other: Wood, coal or oil burning brooders or heating stoves. Charges for the above are not cumulative. If more than one charge is applicable the higher charge will be used. NOTE: No charge if building is unheated or if heated by permanently installed warm air furnace, hot water or steam heating plant set on an incombustible base and venting to standard chimney built from the ground and with no other type of heating device in the building. Charge per $1,000 insurance Gas or Electric $1.00 Other WV-3 AAIS

26 FARMERS MUTUAL INSURANCE COMPANY DWELLING & FARM PROPERTIES MANUAL ANNUAL PREMIUMS PER $1,000 OF INSURANCE EXTENDED FIRE COVERAGE THEFT Radio & TV Equipment (Outdoor) $10.50 $10.50 Windmills & Wind Chargers Private Power & Light Poles Livestock $1.05 Farm Personal Property Hay in building Hay in open Outbuilding Related to Dwelling properties & Their contents, including Private garages Outbuildings related to Farm properties (Other than barns) Barns: Type 1 (min. $2,000) Type 2 (min. $2,000) Type 3 (including portable Buildings) Silos: Type 1 (min. $5,000) Type 2 (min. $1,000) Type VANDALISM PREMIUMS All farm property listed above $0.21 FARM PERSONAL PROPERTY, LIVESTOCK & HAY REQUIRE A WRITTEN SCHEDULE Rev 11/11 WV-4 AAIS

27 FARMERS MUTUAL INSURANCE COMPANY DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA Territory TERRITORIAL DEFINITIONS 1. Territory 1: Boone, Braxton, Berkeley, Calhoun, Doddridge, Grant, Greenbrier, Hampshire, Hardy, Jackson, Jefferson, Lewis, Marion, Mineral, Monongalia, Morgan, Pendleton, Pleasants, Pocahontas, Preston, Randolph, Ritchie, Tucker, Taylor, Upshur, Wirt, and Wood Counties. 2. Territory 2: Brooke, Barbour, Clay, Gilmer, Hancock, Harrison, Marshall, Mason, Monroe, Ohio, Putnam, Raleigh, Roane, Tyler, and Wetzel Counties. 3. Territory 3: Cabell, Fayette, Nicholas, Kanawha, Summers, and Webster Counties. 4. Territory 4: Lincoln, Logan, McDowell, Mercer, Mingo, Wayne, and Wyoming Counties. PROTECTION CLASS PROCEDURES CLASS 1. The protection class established throughout a specified area (a) Five (5) miles or less with a hydrant within 1,000 feet...8 (b) Five (5) miles or less with a hydrant more than 1,000 feet...9 (c) Over five (5) miles /2001 TD - 1

28 Farmer Mutual Insurance Company Coverage OWNER 1 Family Territory 1 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

29 Farmer Mutual Insurance Company Coverage SEASON 1 Family Territory 1 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

30 Farmer Mutual Insurance Company Coverage TENANT 1 Family Territory 1 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

31 Coverage Farmer Mutual Insurance Company OWNER 20+MOHO Territory 1 2, , , , , , , , , , , , , , , ,

32 Coverage Farmer Mutual Insurance Company TENANT 20+MOHO Territory 1 2, , , , , , , , , , , , , , , ,

33 Farmer Mutual Insurance Company Coverage OWNTEN Contents Territory 1 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

34 Coverage Farmer Mutual Insurance Company OWNTEN Contents Territory 1 49, , , , , , , , , , , ,

35 Farmer Mutual Insurance Company Coverage OWNER MOBILEHOMES Territory 1 1, , , , , , , , , , , , , , , , , , , , , ,

36 Farmer Mutual Insurance Company Coverage SEASON MOBILEHOMES Territory 1 1, , , , , , , , , , , , , , , , , , , , , ,

37 Farmer Mutual Insurance Company Coverage TENANT MOBILEHOMES Territory 1 1, , , , , , , , , , , , , , , , , , , , , ,

38 Farmer Mutual Insurance Company Coverage OWNER 1 Family Territory 2 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

39 Farmer Mutual Insurance Company Coverage SEASON 1 Family Territory 2 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

40 Farmer Mutual Insurance Company Coverage TENANT 1 Family Territory 2 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

41 Coverage Farmer Mutual Insurance Company OWNER 20+MOHO Territory 2 2, , , , , , , , , , , , , , , ,

42 Coverage Farmer Mutual Insurance Company TENANT 20+MOHO Territory 2 2, , , , , , , , , , , , , , , ,

43 Farmer Mutual Insurance Company Coverage OWNTEN Contents Territory 2 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

44 Coverage Farmer Mutual Insurance Company OWNTEN Contents Territory 2 49, , , , , , , , , , ,

45 Farmer Mutual Insurance Company Coverage OWNER MOBILEHOMES Territory 2 1, , , , , , , , , , , , , , , , , , , , , ,

46 Farmer Mutual Insurance Company Coverage SEASON MOBILEHOMES Territory 2 1, , , , , , , , , , , , , , , , , , , , , ,

47 Farmer Mutual Insurance Company Coverage TENANT MOBILEHOMES Territory 2 1, , , , , , , , , , , , , , , , , , , , , ,

48 Farmer Mutual Insurance Company Coverage OWNER 1 Family Territory 3 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

49 Farmer Mutual Insurance Company Coverage SEASON 1 Family Territory 3 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

50 Farmer Mutual Insurance Company Coverage TENANT 1 Family Territory 3 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

51 Coverage Farmer Mutual Insurance Company OWNER 20+MOHO Territory 3 2, , , , , , , , , , , , , , , ,

52 Coverage Farmer Mutual Insurance Company TENANT 20+MOHO Territory 3 2, , , , , , , , , , , , , , , ,

53 Farmer Mutual Insurance Company Coverage OWNTEN Contents Territory 3 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

54 Coverage Farmer Mutual Insurance Company OWNTEN Contents Territory 3 55, , , , , , , , , ,

55 Farmer Mutual Insurance Company Coverage OWNER MOBILEHOMES Territory 3 1, , , , , , , , , , , , , , , , , , , , , ,

56 Farmer Mutual Insurance Company Coverage SEASON MOBILEHOMES Territory 3 1, , , , , , , , , , , , , , , , , , , , , ,

57 Farmer Mutual Insurance Company Coverage TENANT MOBILEHOMES Territory 3 1, , , , , , , , , , , , , , , , , , , , , ,

58 Farmer Mutual Insurance Company Coverage OWNER 1 Family Territory 4 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

59 Farmer Mutual Insurance Company Coverage SEASON 1 Family Territory 4 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

60 Farmer Mutual Insurance Company Coverage TENANT 1 Family Territory 4 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

61 Coverage Farmer Mutual Insurance Company OWNER 20+MOHO Territory 4 2, , , , , , , , , , , , , , , ,

62 Coverage Farmer Mutual Insurance Company TENANT 20+MOHO Territory 4 2, , , , , , , , , , , , , , , ,

63 Coverage Farmer Mutual Insurance Company OWNER Multi Family Territory 4 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

64 Farmer Mutual Insurance Company Coverage OWNTEN Contents Territory 4 1, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

65 Coverage Farmer Mutual Insurance Company OWNTEN Contents Territory 4 55, , , , , , , , , ,

66 Farmer Mutual Insurance Company Coverage OWNER MOBILEHOMES Territory 4 1, , , , , , , , , , , , , , , , , , , , , ,

67 Farmer Mutual Insurance Company Coverage SEASON MOBILEHOMES Territory 4 1, , , , , , , , , , , , , , , , , , , , , ,

68 Farmer Mutual Insurance Company Coverage TENANT MOBILEHOMES Territory 4 1, , , , , , , , , , , , , , , , , , , , , ,

69 AMERICAN ASSOCIATION OF INSURANCE SERVICES WV DWELLING & FARM PROPERTIES MANUAL ANNUAL EXTENDED COVERAGE PREMIUMS of Insurance Coverage A Coverage C $1,000 $5.25 $2.10 2, , Greenhouses, Private 4, Extended Coverage 5, Premiums Per $1,000 6, Wood frame 7, including contents 8, $ , , Metal frame 11, including contents 12, $ , , , , , , , , , , , , , , , , , , , , , , Additional $1, Surcharge the above premiums 20% for seasonal occupancy Surcharge the above premiums 20% for mobile homes Rev 11/11 Page-EC

70 AMERICAN ASSOCIATION OF INSURANCE SERVICES WV DWELLING & FARM PROPERTIES MANUAL VANDALISM PREMIUMS PER $1, Tenant/Owner occupied $ Seasonal/Buildings under construction NOT APPLICABLE BROAD FORM PREMIUM PER $1,000 Add to premiums for fire, extended coverage & vandalism 1. Broad form $ Contents-use broad form premiums EARTHQUAKE PREMIUMS PER $1, Frame construction $0.32 (Excluding masonry veneer) 2. Other than frame $0.53 Rev 11/11 Page-VMM, Broad, Earthquake AAIS

71 AMERICAN ASSOCIATION OF INSURANCE SERVICES WV COAL MINE SUBSIDENCE INSURANCE MANUAL SUPPLEMENT Coal Mine Subsidence Territorial Definitions Territory 1 Entire state except for the counties listed in territory 2 2 Berkeley, Cabell, Calhoun, Hampshire, Hardy, Jackson, Jefferson, Monroe, Morgan, Pendleton, Pleasants, Ritchie, Roane, Wirt & Wood Policies providing fire insurance for structures located in territory 1 must include coverage for loss caused by coal mine subsidence, unless the insured or applicant waives such coverage. Policies covering structures located in territory 2 may include coal mine subsidence insurance at the insured s/applicant s request. Attach the endorsement indicated & make the additional premium charge shown below of insurance Dwelling structures* Non dwelling structures** $10,000 or less $10.00 $20.00 $10,001-$15, $15,001-$20, $20,001-$25, $25,001-$30, $30,001-$35, $35,001-$40, $40,001-$45, $45,001-$50, $50,001-$55, $55,001-$60, $60,001-$65, $65,001-$70, $70,001-$75, *Includes buildings used primarily for residential purposes & not containing more than 2 family units ENDORSEMENT CL-0335 **Includes all other buildings ENDORSEMENT CL-0334 Rev 11/11 Coal Mine Subsidence Page AAIS

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