MOBILE-HOMEOWNERS TABLE OF CONTENTS

Transcription

1 MOBILE-HOMEOWNERS ITEM TABLE OF CONTENTS NSMHO PAGE Additional Living Costs (Increased Limits)... 8 Babysitting Back Up of Sewers, Drains and Sump Systems Billing Procedures... 4 Business Activities Calculation of Premium... 4 Collision or Overturn of Mobile Home Common Loss Deductible... 9 Companion Policy Discount Consent to Move Mobile Home Coverages Property Coverage Section... 1 Liability Coverage Section... 1 Deductibles, Explanation of... 9 Eligibility... 2 Factory Installed Fireplace Surcharge Farm Liability Coverage Base and Additional Charges Damage to Property of Others Employers Liability Personal Injury Fire Protection Definitions... 4 Hail Damage To Aluminum Siding and Aluminum Roofing Excluded Higher Limits On Certain Property - Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery, And Counterfeit Money Increased Limit Fire Department Service Charge Guns and Gun Accessories Money Motorized Vehicles Silverware, Goldware, Platinumware and Pewterware Unscheduled Jewelry, Watches and Furs Identity Theft Protection Inboard, In/Outboard Motor Boats, Sailboats and Personal Watercraft Liability Incidental Office Increased Limits or Additional Residence Premises Inland Marine Coverages Insurance Score Livestock Liability Exposure Charge Location of Risk Modifiers... 4 Mandatory Coverages... 2 Mature Mobile-Homeowners Discount Mobile-Homeowners Policy Forms... 4 New Home Discount Optional Coverages - Liability Optional Coverages - Property Outboard Motors Liability Oklahoma New Business North Star Mutual Ins. Co. Renewals

2 MOBILE-HOMEOWNERS TABLE OF CONTENTS CONTINUED ITEM NSHO PAGE Personal Injury Personal Property-Increase or Decrease... 8 Policy Term... 3 Premium Charts, Explanation of... 3 Premium Discounts for Protective Devices Rate Pages - Base Premium Charts Form NS-1, Form NS-2, and Form NS Form NS Rating Territories and Location of Risk Modifiers... 4 Recreational Vehicles Liability Refrigerated Food Spoilage Related Private Structures Replacement Cost - Coverage A... 8 Replacement Cost Loss Settlement Terms Personal Property Secondary Location... 8 Secured Party s Interest Special Form - Coverage C - Personal Property Standard Limits... 2 Underwriting Requirements Underwriting Rules for Recreational Vehicles and Watercraft Oklahoma New Business North Star Mutual Ins. Co. Renewals

3 COVERAGES MOBILE-HOMEOWNERS The Mobile-Homeowners policy provides property and liability coverages, using the forms as follows: PROPERTY COVERAGES SECTION NS-1 - Basic Form + NS-7800 Mobile-Homeowners Endorsement. Covers the mobile home, private structures, personal property and additional living costs against loss by: Fire or Lightning Windstorm or Hail Explosion Riot or Civil Commotion Theft Vehicles or Aircraft Sudden and Accidental Damage from Smoke Vandalism or Malicious Mischief Glass Breakage Sinkhole Collapse Volcanic Eruption NS-2 - Broad Form + NS-7800 Mobile-Homeowners Endorsement. Covers the mobile home, private structures, personal property and additional living costs against loss by: All the perils listed for NS-1, plus: Falling Objects Weight of ice, snow or sleet Collapse of a building or part of a building Sudden and accidental tearing apart, cracking, burning or bulging of a heat or air conditioning system or water heater Accidental discharge or overflow of liquids or steam Freezing of a plumbing, heating or air conditioning system or domestic appliance Sudden and accidental damage from artificially generated electrical current NS-3 - Special Form + NS-7800 Mobile-Homeowners Endorsement. Covers the mobile home, private structures and any resulting additional living costs against risks of direct physical loss unless the loss is excluded. Personal property and any resulting additional living costs are covered for the same perils as provided in NS-2. NS-4 - Contents Broad Form + NS-7800 Mobile-Homeowners Endorsement. Covers personal property, including the insured s interest in building alterations and additions, and additional living costs, against loss by the same perils as provided in NS-2. ALL FORMS: Loss Settlement a. Mobile Homes are covered according to Actual Cash Value terms unless Replacement Cost Coverage is purchased. b. Personal Property is covered according to Actual Cash Value terms unless Replacement Value - NS-55 is purchased. All Forms: 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. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 1 Renewals

4 STANDARD LIMITS Following are the standard limits under the Mobile-Homeowners Policy: Coverage NS-1, NS-2 and NS-3 NS-4 A. Residence (Mobile Home) $15,000 NS-1 and NS-2 $20,000 NS-3 B. Private Structures 10% of limit on Mobile Home C. Personal Property 50% of limit $8,000 on Mobile Home D. Additional Living Costs 20% of limit 20% of limit on Mobile Home on personal property L. Personal Liability $100,000 Each Occurrence for ALL FORMS * M. Medical Payments to Others $1,000 Each Person For ALL FORMS * * Optional limits are available. See Liability Coverage section. ELIGIBILITY A Mobile-Homeowners Policy NS-1, NS-2 and NS-3 may be issued to an owner-occupant of a mobile home which is used exclusively for private residential purposes and contains not more than 2 families and with not more than 2 boarders or roomers per family. A Mobile-Homeowners Policy NS-4 may be issued only to the Tenant (non-owner) of a mobile home, provided the residence premises occupied by the insured is used exclusively for residential purposes and is not occupied by more than 1 additional family or more than 2 boarders or roomers. NOTE: Tenant coverage is not available for students unless the student is older, married, employed or we have supporting coverage for the parents. 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 Mobile-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 domestic employees of the Named Insured or spouse not covered or not required to be covered by Workers Compensation Insurance (charge required for domestic employees in excess of 2); and 3. Incidental office, professional, private school or studio use by the insured on residential premises of the insured. UNDERWRITING REQUIREMENTS 1. A completed Mobile-Homeowners application must be submitted along with a recent photo and Social Security number. Credit Reports are one of the factors used to determine acceptability of a risk. 2. Mobile home must be insured for 100% of actual cash value (except 90% or more of Replacement Cost if optional Replacement Cost coverage is written). 3. Any Mobile home with more than 1 lienholder is not acceptable. 4. Must be written for the owner-occupant only (except for Tenants NS-4). 5. At least 1 of the following must apply to the mobile home. a. Has factory approved tie-downs that are anchored. b. Is a double-wide mobile home. c. Is on a basement. 6. Only adults and family units are acceptable. 7. Mobile home must be on a foundation or blocks and connected to utilities. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 2 Renewals

5 UNDERWRITING REQUIREMENTS (Continued) 8. Mobile homes over 25 years old are not acceptable for new business. 9. Risks with factory installed woodburning fireplaces are acceptable, however, we will not accept any other type of solid fuel equipment. 10. The number of mobile homes insured in 1 mobile home park is limited to 12. Contact Home Office for possible exceptions. 11. Unsupported seasonal mobile homes are ineligible. 12. Vacant mobile homes or isolated risks not accessible by emergency vehicles are not acceptable. 13. Park Model Trailers are not eligible for coverage on a Mobile-Homeowners policy. They are not occupied as a primary residence and are not anchored in the same way as a mobile home. With supporting coverage, Park Model trailers may be insured in the Inland Marine program. 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. 15. Following is a list of Mobile-Homeowners risks not to be bound and generally will not be written: a. Property which is in generally below average physical condition. b. Risks which have sustained 2 OR MORE losses during the past 3 year period. c. Risks cancelled or nonrenewed by other carriers. d. Risks where insureds have a history of financial instability within the last 5 years. e. Hobby farms or any risk currently and/or formerly occupied as FARM PROPERTY on which any current and/or former farm buildings still exist. f. Mobile homes with more than two related private structures or with a related private structure larger than 1,200 square feet. g. Risks with wild animals. h. 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. i. 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 basis. The policy will be automatically 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. PREMIUM CHARTS All premium charts are set up on an annual premium basis. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 3 Renewals

6 FIRE PROTECTION DEFINITIONS The following 3 fire protection classes will apply: 1. Protected: Mobile home is located within 1,000 feet of a fire hydrant and within the city limits of a Class 8 or better town. 2. Partially Protected: Mobile home is located within 5 road miles of a responding fire department. (Fire Department must be Class 8 or better.) 3. Unprotected: All others. (Submit basis only.) MOBILE-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-1, NS-2, NS-3, NS-4 Mobile-Homeowners Endorsement... NS-7800 Oklahoma Amendatory Endorsement... NS-119M Other forms and/or endorsements may be attached depending on optional coverages purchased. BILLING PROCEDURES See the Billing Information section of this Agent s Manual. RATING TERRITORIES AND LOCATION OF RISK MODIFIERS (LORM) TERR DESCRIPTION LORM NS-1, NS-2, NS-3 NS-4 TERR. 1 Counties of Alfalfa, Blaine, Caddo, Craig, Custer, Dewey, Ellis, Garfield, Garvin, Grady, Grant, Kingfisher, Logan, McClain, Major, Mayes, Murray, Nowata, Roger Mills, Rogers, Wagoner, Washita, Woods, Woodward TERR. 2 Counties of Beaver, Cimarron, Harper, Texas TERR. 3 Counties of Canadian, Cleveland, Oklahoma TERR. 4 Counties of Kay, Noble, Osage, Pawnee, Payne, Washington TERR. 5 Counties of Atoka, Beckham, Bryan, Carter, Comanche, Cotton, Greer, Harmon, Jackson, Jefferson, Johnston, Kiowa, Love, Marshall, Stephens, Tillman TERR. 6 County of Tulsa TERR. 7 Counties of Choctaw, Haskell, Latimer, LeFlore, McCurtain, Pushmataha TERR. 8 Counties of Adair, Cherokee, Delaware, Ottawa, Sequoyah TERR. 9 Counties of Coal, Creek, Hughes, Lincoln, McIntosh, Muskogee, Okfuskee, Okmulgee, Pittsburg, Pontotoc, Pottawatomie, & Seminole Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 4 Renewals

7 CALCULATION OF PREMIUM Step 1 - Determine the Base Premium based on the amount of Coverage A or Coverage C, as applicable. The Base Premium must be adjusted to reflect revised limits of Coverage C, if applicable. Step 2 - Apply applicable Location of Risk Modifier from page NSMHO-4 to the rate determined in Step 1. Step 3 For an ACV policy, if applicable, apply appropriate Inflation Guard coverage factor to Coverages A, B, C, and D. Step 4 - If rating a seasonal or secondary mobile home issued in conjunction with the primary mobile home, give duplicate liability credit and add the liability charge for an Additional Residence Premises Occupied by Insured. Step 5 - Modify the amount determined in previous steps to reflect the selection of a deductible option. (The Base Deductible for NS-1, NS-2 and NS-3 is $1,000. The Base Deductible for NS-4 is $500.) Step 6 - Modify the amount determined in Step 5 for all percentage discounts or charges. Discounts or charges should be multiplied by the Base Premium in the following order: Protective Device Discount, New Home Discount, Mature Mobile-Homeowners Discount, Companion Policy Discount, Age Surcharge, Factory Installed Fireplace Surcharge. Discounts or charges should not be added together. Step 7 - When Replacement Value on personal property is purchased, the premium is determined by applying the appropriate percentage charge to the premium determined in Step 6. Step 8 - When Replacement Cost on the Mobile Home is purchased, the premium is determined by applying the appropriate percentage charge to the premium determined in Step 6. Step 9 - Add to the amount determined in previous Step the additional premium for all other mandatory or optional Personal Property Coverages and all other mandatory or optional Liability Coverages. Step 10 - Apply the applicable Insurance Score factor to the total policy premium. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 5 Renewals

8 RATE PAGES - MOBILE-HOMEOWNERS BASE PREMIUMS (Refer to page NSMHO 4 for Location of Risk Modifiers for each territory) (ANNUAL PREMIUMS SHOWN) $1,000 FLAT DEDUCTIBLE APPLICABLE (ALL PERILS) PREMIUM INCLUDES $100,000 LIABILITY AND $1,000 MEDICAL PAYMENTS COV. A PROTECTED PARTIALLY PROTECTED UNPROTECTED AMOUNT NS-1 NS-2 NS-3 NS-1 NS-2 NS-3 NS-1 NS-2 NS-3 10, * * * 12, * * ,031 * 14, * * 986 1,028 1,071 * 16, * * 1,023 1,067 1,112 * 18, * * 1,061 1,106 1,152 * 20, ,034 1,097 1,145 1,193 22, ,023 1,066 1,131 1,181 1,230 24, ,010 1,054 1,099 1,166 1,217 1,268 26, ,041 1,087 1,132 1,202 1,254 1,307 28, ,071 1,118 1,165 1,236 1,290 1,344 30, ,101 1,149 1,197 1,271 1,326 1,382 31, ,115 1,165 1,213 1,287 1,344 1,400 32, ,130 1,179 1,229 1,304 1,361 1,418 33, ,144 1,193 1,243 1,320 1,377 1,434 34, ,158 1,208 1,258 1,337 1,394 1,452 35, ,173 1,223 1,274 1,353 1,412 1,470 36, ,187 1,238 1,290 1,370 1,428 1,488 37, ,004 1,201 1,253 1,305 1,386 1,446 1,506 38, ,015 1,214 1,266 1,320 1,401 1,461 1,523 39, ,027 1,229 1,282 1,335 1,418 1,479 1,541 40, ,039 1,243 1,296 1,351 1,434 1,496 1,559 41, ,009 1,051 1,257 1,312 1,366 1,451 1,514 1,577 42, ,021 1,064 1,273 1,327 1,383 1,469 1,532 1,596 43, ,033 1,076 1,287 1,343 1,399 1,485 1,550 1,614 44,000 1,001 1,044 1,088 1,301 1,357 1,414 1,502 1,566 1,632 45,000 1,013 1,057 1,101 1,317 1,374 1,431 1,520 1,586 1,652 46,000 1,024 1,068 1,113 1,331 1,388 1,447 1,536 1,602 1,670 47,000 1,035 1,080 1,125 1,346 1,404 1,463 1,553 1,620 1,688 48,000 1,046 1,092 1,137 1,360 1,420 1,478 1,569 1,638 1,706 49,000 1,058 1,104 1,150 1,375 1,435 1,495 1,587 1,656 1,725 50,000 1,069 1,116 1,162 1,390 1,451 1,511 1,604 1,674 1,743 51,000 1,079 1,126 1,173 1,403 1,464 1,525 1,619 1,689 1,760 52,000 1,090 1,138 1,185 1,417 1,479 1,541 1,635 1,707 1,778 53,000 1,100 1,148 1,196 1,430 1,492 1,555 1,650 1,722 1,794 54,000 1,110 1,159 1,207 1,443 1,507 1,569 1,665 1,739 1,811 55,000 1,121 1,170 1,219 1,457 1,521 1,585 1,682 1,755 1,829 56,000 1,132 1,181 1,230 1,472 1,535 1,599 1,698 1,772 1,845 57,000 1,142 1,191 1,241 1,485 1,548 1,613 1,713 1,787 1,862 58,000 1,152 1,202 1,252 1,498 1,563 1,628 1,728 1,803 1,878 59,000 1,163 1,213 1,264 1,512 1,577 1,643 1,745 1,820 1,896 60,000 1,173 1,224 1,275 1,525 1,591 1,658 1,760 1,836 1,913 65,000 1,221 1,274 1,327 1,587 1,656 1,725 1,832 1,911 1,991 70,000 1,268 1,323 1,378 1,648 1,720 1,791 1,902 1,985 2,067 75,000 1,312 1,369 1,426 1,706 1,780 1,854 1,968 2,054 2,139 80,000 1,355 1,414 1,473 1,762 1,838 1,915 2,033 2,121 2,210 85,000 1,407 1,468 1,529 1,829 1,908 1,988 2,111 2,202 2,294 90,000 1,457 1,521 1,584 1,894 1,977 2,059 2,186 2,282 2,376 95,000 1,505 1,571 1,636 1,957 2,042 2,127 2,258 2,357 2, ,000 1,552 1,620 1,687 2,018 2,106 2,193 2,328 2,430 2,531 EACH ADDL 5,000 ADD * Not available on new business. MOBILE HOME 16 YEARS AND OLDER Increase Base Premium 2% per year beginning with the 16th year. Maximum surcharge will not exceed 50%. NOTE: We will not write any new policies on mobile homes over 25 years of age. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 6 Renewals

9 RATE PAGES MOBILE-HOMEOWNERS BASE PREMIUMS NS-4 - CONTENTS BROAD FORM (For Renters) - (Annual Premiums) (Refer to page NSMHO 4 for Location of Risk Modifiers for each territory) $500 FLAT DEDUCTIBLE APPLICABLE (ALL PERILS) PREMIUM INCLUDES $100,000 LIABILITY AND $1,000 MEDICAL PAYMENTS Cov. C Part. Amount Prot. Prot. Unprot. 8, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , EACH ADD'L 1,000 ADD: MOBILE HOME 16 YEARS AND OLDER Increase Base Premium 2% per year beginning with the 16th year. Maximum surcharge will not exceed 50%. NOTE: We will not write any new policies on mobile homes over 25 years of age. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 7 Renewals

10 REPLACEMENT COST - Mobile Home (NS-2 and NS-3 only) Coverage A (Mobile Home) can be changed from Actual Cash Value to Replacement Cost if the mobile home is less than 10 years old. Coverage must be written for 90% or more of full replacement cost. Additional premium: 10% of the Base Policy Premium. NOTE: The Inflation Guard Provision is mandatory. Property coverages will automatically be periodically updated based on changing construction cost factors. This replacement cost coverage will be removed from the mobile home when it gets to be over 20 years of age. SECONDARY LOCATION A secondary location owned and occupied by the insured (seasonal mobile home) and located in the same state as the primary location may be insured by attaching NS The same form and deductible must be used for both the primary and secondary locations. Use the Base Premium Charts for computing the base secondary location premium. To this must be added the liability charge for an ADDITIONAL RESIDENCE PREMISES OCCUPIED. When issued in conjunction with the primary location deduct $15.00 for duplicate Personal Liability coverage. NOTE: Unsupported seasonal mobile homes are ineligible. PERSONAL PROPERTY - INCREASE OR DECREASE INCREASE - The limit for Coverage C under NS-1, NS-2 or NS-3 may be increased at the following annual premium: $3.00 per $1,000 of increase. DECREASE - The limit of Coverage C under NS-1, NS-2 or NS-3 may be decreased to not less than 40% of the limit of Coverage A at the annual credit of: $1.00 per $1,000 of decrease. ADDITIONAL LIVING COSTS When it is desired to increase the limits for additional living costs, the additional premium charge is $3 per $1,000. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 8 Renewals

11 DEDUCTIBLES NS-1, NS-2 and NS-3 Base Deductible: A flat $1,000 deductible applies to all property losses (except for the Inland Marine forms - See Inland Marine Section). Optional Deductible: The policy deductible may be changed by applying one of the following Modification Factors to: 1. Premium from Base Premium Charts; and 2. Premium for amended limits for Coverages B and C. NS-4 Base Deductible: A flat $500 deductible applies to all property losses (except for the Inland Marine forms - See Inland Marine Section). Optional Deductible: The policy deductible may be changed by applying one of the following Modification Factors to the premium from Base Premium Charts. Deductible Factor NS-1, NS-2, NS-3 NS-4 & NS-6 $250 Flat $250 AOP / $500 Wind/Hail $250 AOP / $1,000 Wind/Hail $500 Flat (Base) $500 AOP / $1,000 Wind/Hail $500 AOP / $2,000 Wind/Hail $1,000 Flat 1.00 (Base) 0.90 $1,000 AOP / $2,000 Wind/Hail $2,500 Flat $5,000 Flat 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. Farmowners; 3. Personal Automobile; 4. Commercial Automobile (applies only to vehicles indicated on the Commercial Automobile declarations as Farm Use ); 5. Mobile-Homeowners; and 6. 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. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 9 Renewals

12 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 1, 2018, if the insurance score drops at the 3-year review, the amount of increase to the insurance score factor is limited to 0.05 per policy period. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 10 Renewals

13 NEW HOME DISCOUNT (Policy Forms NS-1, NS-2 and NS-3) A new mobile home may be eligible for a premium discount as shown in the table below. For the purpose of this rule, a mobile home is considered new if it has been completed and model year is within the last 7 calendar years. The discount shall apply only to the base 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. Apply Year Mobile Home Built or Model Year Discount of Current Calendar Year... 14% 1 Year Preceding Current Calendar Year Year(s) Preceding Current Calendar Year Year(s) Preceding Current Calendar Year Year(s) Preceding Current Calendar Year Year(s) Preceding Current Calendar Year Year(s) 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 mobile home. Systems must be UL approved and maintained in good working condition. 1. Central Station Burglary and/or Fire Alarm System-a discount of 5%. 2. Alarm System that alerts the Fire Department or Police Department-a discount of 3%. 3. Burglary and/or Fire Local Alarm System-a discount of 2%. (For the purposes of this rule, a Fire Local Alarm System shall include smoke, heat or gas detectors.) This discount is not available when items 1. or 2. apply. 4. Automatic Sprinkler System with sprinklers in all areas including bathrooms, attics and attached structures-a discount of 3%. 5. Automatic Sprinkler System with sprinklers not in all areas-a discount of 2%. These discounts apply to the base premium (must adjust for the following if applicable: revised limits of Coverage C and the selection of a deductible). It shall not apply to any optional coverages or higher limits for property or liability coverages. Maximum discount allowed is 8%. MATURE MOBILE-HOMEOWNERS DISCOUNT (Policy Forms NS-1, NS-2 and NS-3) Policies are eligible for a 10% discount if 1 of the insureds is at least 50 years old. This discount would apply to the base premium. HAIL DAMAGE TO ALUMINUM SIDING AND ALUMINUM ROOFING EXCLUDED NS-1522 At the request of the insured, loss or damage by hail to aluminum siding or aluminum roofing is not covered. To develop the premium for this option, multiply the base premium by a factor of.98. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 11 Renewals

14 COMPANION POLICY DISCOUNT (Policy Forms NS-1, NS-2 and NS-3) Policies are eligible for a 5% discount if the insureds Personal Auto Insurance is insured through North Star. This discount would apply to the base premium. REPLACEMENT COST LOSS SETTLEMENT TERMS PERSONAL PROPERTY - NS-55 This endorsement is available for those insureds who wish to have the following covered property on a replacement value basis: 1. Coverage C - Personal Property; 2. Domestic appliances; 3. Carpeting; 4. Awnings; 5. Outdoor antennas; and 6. Outdoor equipment. Personal Property can be changed from Actual Cash Value to Replacement Value insurance at the following additional premiums: NS-1, NS-2 and NS-3: 10% of the Base Policy Premium and increase Coverage C Limit to 70% of Coverage A with no additional premium charge. Minimum Premium: $20 per year. NS-4: 30% of the Base Policy Premium. Minimum Premium: $20 per year. When a seasonal mobile home is written under the same policy as the primary mobile home and personal property is written on replacement value, this coverage must apply to the contents of both mobile homes. A separate charge for replacement value on the contents must be made for each mobile home. FACTORY INSTALLED FIREPLACE SURCHARGE (Policy Forms NS-1, NS-2, NS-3 & NS-4) All Mobile-Homeowners policies with risks that have factory installed woodburning fireplaces will have a 10% wood heat surcharge apply to the base premium with a $25.00 minimum charge. Risks where the mobile home has any other type of woodburning equipment are not to be written. No other woodburning on the premises is acceptable. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 12 Renewals

15 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, Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 13 Renewals

16 RELATED PRIVATE STRUCTURES Occupied by Insured - HO 3048 OPTIONAL COVERAGES - PROPERTY 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: $8.00 per $1,000 coverage (all forms) On Premises - Specifically Scheduled Structures - NS-248 When an acceptable private structure is over 1,200 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. The following premium shall apply separately to each such structure: $8.00 per $1,000 coverage (all forms) Private Structure Rented to Others - NS-3540 Coverage can be provided for private structures on the described premises 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: *$11.00 per $1,000 coverage (all forms) * To this charge, add liability charge for residence premises rented to others. SPECIAL FORM - COVERAGE C - PERSONAL PROPERTY - CF-1168 (Policy Forms NS-3 & NS-4) Coverage for personal property and tenant s improvements (Form NS-4 only) may be changed from named perils coverage to risks of direct physical loss unless the loss is excluded coverage, if the residence is occupied by the named insured and is not rented or sublet to others. This coverage is only available when the mobile home is written on the Special Form (NS-3) or when writing a Tenant's Policy (NS-4). Additional Premium: $.10 per $100 of coverage Minimum Premium: $10.00 Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 14 Renewals

17 BACK UP OF SEWERS, DRAINS & SUMP SYSTEMS - NS-208 (Policy Forms NS-2, NS-3, and NS-4) (This is not Flood Insurance) For an additional premium, coverage for direct loss to covered property caused by water which enters the residence through sewers, drains and sump systems may be added. This coverage does not apply to coverages B & D. This coverage is only available on NS-2, NS-3, and NS-4 policies. The policy deductible amount and terms apply to this coverage. Limit of Liability: $1,000 $2,500 $5,000 Additional Premium: $8 $16 $24 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). 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 $3 5, , ,000 6 COLLISION OR OVERTURN OF MOBILE HOME - NS-26 The policy is extended to cover loss from collision or overturn for a period of 30 days. This coverage may be provided only in connection with Consent To Move Mobile Home coverage. Fully earned premium of $14. CONSENT TO MOVE MOBILE HOME - NS-25 Premises limits are extended to wherever the mobile home may be, for a period of 30 days. Fully earned premium of $9. 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: $3 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. Coverage may be increased as needed. Additional Premium: $3 per $100 coverage Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 15 Renewals

18 MONEY - HIGHER LIMIT Money coverage may be increased from the basic limit of $250 to a maximum of $700. Additional Premium: $8 per $100 coverage 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: $6 per $1,000 coverage REFRIGERATED FOOD SPOILAGE - CF-1185 Provides for loss or damage to food products contained in a freezer or refrigerated unit on the insured premises. Provides coverage up to $500. No deductible applies. Additional Premium: $5.00 per year per mobile home SECURED PARTY S INTEREST - ADDITIONAL COVERAGE - NS-27 & NS-28 NS-27 - Covers secured party s interest from loss by collision, overturn, conversion, embezzlement or secretion. $9 per year, not subject to short rate adjustment. NS-28 - Covers secured party s interest from loss by flood, earthquake, collision, overturn, conversion, embezzlement or secretion. This endorsement can be used only in conjunction with the Special Form NS- 3. Charge 15% of the base premium subject to a minimum premium of $23 per year, not subject to short rate adjustment. SILVERWARE, GOLDWARE, PLATINUMWARE AND PEWTERWARE - HIGHER LIMIT The policy limits coverage for silverware, goldware, platinumware and pewterware to $2,500 for loss by theft. Coverage may be increased to an aggregate of $11,500. Additional Premium: $.63 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. 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 per $100 of coverage Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 16 Renewals

19 OPTIONAL COVERAGES - LIABILITY INCREASED LIMITS OR ADDITIONAL RESIDENCE PREMISES The base Liability is $100,000 and the base Medical Payment limit is $1,000. Higher limits are available or the base limits may be reduced as shown in the charts that follow. Maximum Medical Payments option is $5,000. Base Limits For each $500 LIABILITY $50,000 $100,000 $300,000 $500,000 $1,000,000 Medical Payments MED. PAYMENTS $1,000 $1,000 $1,000 $1,000 $1,000 add or credit: Described Residence Premises: 1 or 2 Family $- 2 $-- $ 8 $13 $36 $3 Additional Residence Premises Occupied by Insured: Additional Residence Premises Rented to Others: 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 One General Agency. INCIDENTAL OFFICE - NS-3542 When the insured maintains an incidental office, professional, private school or studio use in the mobile-home, which otherwise meets the eligibility requirements, the limit of liability for Coverage C (Personal Property) must not be less than 60% of the Coverage A limit. Add to the foregoing, the appropriate charge from the following table: Liability $500 Med. $1,000 Med. $1,500 Med. $2,000 Med. $2,500 Med. $3,000 Med. $ 50,000 $11 $12 $13 $14 $15 $16 100, * , , ,000, * Base Limits NOTE: These rates are not to be used for Day Care or Babysitting. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 17 Renewals

20 LIVESTOCK LIABILITY EXPOSURE CHARGE (Farm Personal Liability Only) A livestock liability exposure charge is made whenever the insured owns livestock or has livestock in his/her care. This charge is made for the extra liability exposure that livestock create. In no way does this charge limit or add any coverage; it is strictly a rating criteria. Refer to Rate Pages - Farm Liability Coverage for rates. HORSES: Liability and Medical Payments may be extended to provide coverage for horses used for the insured s own pleasure or for use in the insured s own farming operation. Underwriting Rules for Liability Coverage on Horses 1. Horses must be for insured s own pleasure or for the insured s own farming operation. 2. We must be notified if horses are in any horse shows or parades. 3. The following situations are not acceptable: a. Insured permits extensive used by friends. b. Insured gives riding lessons. c. Insured rents horses out. d. Insured is involved in the boarding or training of horses. To rate this use the following procedure: Base Charge plus Livestock Exposure Charge. See Rate Pages - Farm Liability Coverage. BABYSITTING - NS-157 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 Mobile-Homeowners policy and also provide liability for babysitting. 2. If the insured babysits more than 5 children, we cannot issue a Mobile-Homeowners policy. When this exposure exists, the entire policy cannot be written for more than $300,000 Personal Liability. Liability $500 Med. $1,000 Med. $1,500 Med. $2,000 Med. $2,500 Med. $3,000 Med. $ 50,000 $ 59 $ 62 $ 65 $ 68 $ 71 $ , * , , ,000, * Base Limits PERSONAL INJURY - NS-46 May be added to all Mobile-Homeowners policies for a fully earned additional premium. (Does not include Medical) Base Limit Limit of Liability: $50,000 $100,000 $300,000 $500,000 $1,000,000 Additional Premium: $10 $12 $15 $17 $26 Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 18 Renewals

21 OUTBOARD MOTORS LIABILITY - HO 3801 Coverage is automatically provided for outboard motors 50 H.P. or less. The policy may be extended to cover Liability and Medical Payments for outboard motors totaling over 50 H.P. by applying the rates shown below. If 2 or more outboards are regularly used together in connection with any single watercraft owned by the insured, the horsepower of all such outboards shall be accumulated for rating purposes. (Houseboats are not eligible) Limit of Liability Over 50 H.P. $ 50,000/1,000 $ ,000/1,000 Base Limits ,000/1, ,000/1, ,000,000/1, For each $500 Medical Payments add or credit: 4 INBOARD, IN/OUTBOARD MOTOR BOATS, SAILBOATS AND PERSONAL WATERCRAFT LIABILITY - HO 3801 Coverage must be written to expiration of the policy. In Oklahoma the normal navigational period for an inboard, inboard-outboard motor boat, sailboat or personal watercraft is 6 months. (It is not permissible to stipulate a navigational period for outboard motors.) The premiums shown below are for a 6 month navigational period. (Houseboats are not eligible) RATING IS BY SIZE AND SPEED PREMIUMS SHOWN ARE FOR A 6 MONTH NAVIGATIONAL PERIOD PERSONAL 30 MPH & UNDER OVER 30 MPH SAILBOATS** WATERCRAFT Limit of Less than 26 Less than feet or over (Per Liability 26 feet to feet to 40 in length Each Unit) $ 50,000/1, ,000/1,000 * ,000/1, ,000/1, ,000,000/1, For each $500 Medical Payments add or credit: * Base Limits ** Included if under 26 feet See Page NSMHO-22 for Underwriting Rules Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 19 Renewals

22 BUSINESS ACTIVITIES - NS-71 Coverage may be provided for the liability of an insured arising out of business activities, other than a business of which the insured is sole owner or a partner. Classify and apply separately for each person insured: Classification A - Clerical Office Employees Salesmen, Collectors or Messengers - No installation, demonstration or servicing. B - Salesmen, Collectors or Messengers - Installation, demonstration or servicing operations. C - Teachers - Athletic, laboratory, manual training, physical training and swimming instruction, excluding corporal punishment. D - Teachers - Not otherwise classified, excluding corporal punishment. E - Teachers - Liability for Corporal Punishment. Additional premium for this coverage must be added to premium for classification C or D. Limit of Liability Classification A B C D E* $ 50,000/1,000 $7 $ 9 $12 $ 8 $ 7 100,000/1,000 Base Limits ,000/1, ,000/1, ,000,000/1, For each $500 Med. Pay. add or credit: * Does not include Medical Payments Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 20 Renewals

23 FARM LIABILITY COVERAGE When an insured has more than 40 acres, and/or there are farming operations, and/or there are horses or other livestock, the following charges apply: Base Coverage includes BODILY INJURY and PROPERTY DAMAGE, MEDICAL PAYMENTS, $1,000 DAMAGE TO PROPERTY OF OTHERS, FIRE LEGAL LIABILITY (Up to Limit of Liability for Coverage L - Personal Liability), EMPLOYER S LIABILITY (for part time employees working 40 days or less per year). Limits of Liability Med. Pay. Base Limits Liability $50,000 $100,000 $300,000 $500,000 $1,000,000 For each $500 Medical Payments $1,000 $1,000 $1,000 $1,000 $1,000 add or credit: Base Charges acres, 1 dwg, 1 set of bldgs $ 64 $ 72 $ 100 $115 $180 $ acres, 1 dwg, 1 set of bldgs ,000 acres, 1 dwg, 1 set of bldgs ,001-5,000 acres, 1 dwg, 1 set of bldgs Over 5,000 acres, 1 dwg, 1 set of bldgs NOTE: For farm land not operated by the insured/no making of hay and with 5 or less head of horses/other livestock, use 50% of the rates shown above. Additional Charges Additional Farm Premises with Buildings (Owned or Rented) If incidental office in any of the above add Livestock Liability Exposure Charge Personal Injury (No Med Payments) Employer s Liability (Includes Medical Payments) EACH FULL TIME EMPLOYEE, (working 180 days per year or more) EACH PART TIME EMPLOYEE, (working over 40 days, but less than 180 days per year) Damage To Property Of Others (Includes damage by animals and farm machinery of others coverage - $1,000 limit included without additional premium charge) Limit of Liability: $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 Additional Premium: $19 $29 $39 $49 $59 $69 $79 $89 $99 Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 21 Renewals

24 RECREATIONAL VEHICLES LIABILITY - NS-704 or CF-1849 Liability and Medical Payments may be extended to provide off premises coverage for Snowmobiles and unlicensed All Terrain Vehicles (NS-704) by applying the rates shown below. This does not provide coverage for (1) any Recreational Motor Vehicle licensed for road use or (2) motorcycles, trail bikes, dirt bikes, mini bikes or similar 2-wheel type vehicles. Snowmobiles & Unlicensed All Terrain Vehicles ATV's Licensed for Road Use Limit of Liability (1 Charge) (Per Unit) $ 50,000/1,000 $ 79 N/A 100,000/1,000 Base Limits 88 $25 300,000/1, ,000/1, ,000,000/1, For each $500 Med. Pay. Add or Discount: 5 5 Liability and Medical Payments may be extended to provide on and off premises coverage for licensed ATV's (CF-1849) at the per unit charge shown above. Golf Carts - Coverage is included in the base policy while golf cart is being used for golfing purposes away from premises. Coverage for liability and medical payments arising out of the off-premises use of golf carts, not subject to motor vehicle registration, for purposes other than golfing may be available - please call a Home Office underwriter. NOTE: This coverage will automatically be added to a policy when Inland Marine coverage for snowmobiles or ATV's is requested unless the insured specifically declines liability coverage. INLAND MARINE COVERAGES Coverage for Watercraft, Home Computers, Recreational Vehicles, Scheduled Personal Property and other Inland Marine classes may be endorsed onto the Mobile-Homeowners. Complete and attach an Inland Marine Application. Refer to the Inland Marine Section of this Agents Manual for forms, rules, rates and underwriting criteria. UNDERWRITING RULES FOR RECREATIONAL VEHICLES & WATERCRAFT 1. Coverage may not be bound for collision coverage on snowmobiles. A visual inspection and photo that verify no existing damage are required before collision coverage may be bound. 2. Physical damage coverage must be for 100% of present value. Liability and medical payments must be concurrent with Mobile-Homeowners Policy to which attached. 3. Coverage can be included under the Mobile-Homeowners for either liability or physical damage. It is not mandatory to include both as long as the applicant fully understands the coverage he/she has purchased. 4. Snowmobiles, ATV s, personal watercraft, golf carts, boats and motors are not acceptable: a. If licensed for road use. (Does not apply to CF-1489) b. If used for business purposes. c. If used for racing, competition or similar contest purposes or any stunting activity. d. If rented to others. e. If the engine or gear ratio has been modified for speed or acceleration purposes. f. If there are 2 or more chargeable accidents or violations in the past 3 years or if there have been any accidents or violations when written on a Tenant's policy. g. Where there has been a conviction for driving under the influence, careless or reckless driving, hit and run, or leaving the scene of an accident in the past 3 years. h. Where the principal operator is under 18 years old. 5. Dirt bikes, mini bikes, mopeds, cabin cruisers, yachts, inboards or houseboats are not acceptable. 6. Snowmobiles are not acceptable if written on a Tenant's NS-4 policy. 7. Submit any other type of recreational vehicles to Home Office before binding. 8. Submit the drivers license number and the date of birth of all operators. 9. Refer to the Inland Marine Section of this manual for Inland Marine underwriting criteria for Recreational Vehicles and Watercraft. Oklahoma New Business North Star Mutual Ins. Co. NSMHO - 22 Renewals