TEXAS MOBILE HOME UNDERWRITING GUIDELINES AND RATE GUIDE

Transcription

1 8655 E Via De Ventura Scottsdale, AZ A.M. Best Rated A-, Excellent TEXAS MOBILE HOME UNDERWRITING GUIDELINES AND RATE GUIDE New Business Effective: 09/01/05 Renewal Business Effective: 09/01/05 A4101R0905

2 GENERAL RULES 1. ELIGIBILITY: Mobile homes used for family habitation and light commercial use are eligible. 2. POLICY TERM: A policy may be written for a term of 12 months. Renewal policies will be based upon the rules, rates and forms in effect on the effective date of the renewal. 3. DETERMINING THE MOBILE HOME VALUE: The mobile home, and its attached adjacent structures, must be insured to its full actual cash value. If it has been recently purchased, use the purchase price (excluding land) as the base value. If it has not recently been purchased, the current value can be determined from a source such as the mobile home blue book or similar guide. 4. WHOLE DOLLAR PREMIUM ROUNDING: All policy and endorsement premiums will be a full dollar amount. For this purpose, an amount of fifty (50) cents or more will be rounded to the next whole dollar. 5. CHANGES/WAIVER OF PREMIUM: If insurance is increased or reduced, the additional or unearned premium shall be computed on a prorata basis, subject to the minimum premium. If the change results in a premium adjustment of less than $5, this adjustment may be waived unless the named insured requests the unearned premium be refunded. 6. CANCELLATIONS: If the insurance is canceled at the request of the Company or the insured, the unearned premium will be computed on a pro-rata basis. 7. MINIMUM PREMIUMS: A minimum written premium of $50, and a minimum earned premium of $50 will apply to each new and renewal policy. 8. DEFINITIONS: Mobile Home: A factory fabricated structure that is a transportable, permanent housing unit which is set on a permanent site and is connected to utilities. It may consist of two or more sections that are joined together when the home is installed at a permanent site. Primary/Permanent Home: A home that is a primary residence occupied by one family. The home must be occupied by the insured for at least six (6) consecutive months. Rental Home: Commercial Home: Insured Age: Home Age: A home rented to others for monetary compensation. A home used for light office, professional or institutional purposes. Year the policy is effective minus the year the insured was born. Year the policy is effective minus the manufacturer year of the home. In Park: Mobile homes that are in a mobile home park or subdivision with 25 or more occupied spaces or PC class 1-8. Out of Park: Special Program: All Purpose Program: All mobile homes not meeting the definition of In Park. Program is designed for owner occupied homes used on a primary/permanent basis. Program is designed for homes used on a rental or commercial basis. 1

3 GENERAL RULES (Continued) 9. TERRITORY DEFINITIONS: Territory 1 Aransas Jefferson (South and East of Interstate 10) Brazoria (South and East of Hwy 35) Kenedy (East of Hwy 77) Calhoun (South and East of Hwy 35) Kleberg (South and East of Hwy 77) Refugio (Bounded on the North by Hwy 239 to the intersection of Hwy 77 continuing South to the county line.) Cameron (South and East of Hwy 77) Matagorda (South and East of Hwy 35) San Patricio (South and East of Hwy 77) Chambers (South of Interstate 10) Nueces (South and East of Hwy 77) Willacy (East of Hwy 77) Galveston Territory 2 - Entire County: Bee Goliad Jackson Liberty Victoria Brooks Hardin Jim Wells Orange Wharton Fort Bend Harris Remainder of the following counties: Brazoria Chambers Kleberg Nueces San Patricio Calhoun Jefferson Matagorda Refugio Willacy Cameron Kenedy Territory 3 Anderson Burleson Erath Henderson Lavaca Medina Rusk Waller Angelina Burnet Falls Hill Lee Milam Sabine Washington Atascosa Caldwell Fayette Houston Leon Mills San Augustine Webb Austin Cherokee Freestone Jasper Limestone Montgomery San Jacinto Williamson Bandera Colorado Frio Jim Hogg Live Oak Nacogdoches San Saba Wilson Bastrop Comal Gillespie Karnes Llano Navarro Shelby Zavala Bell Comanche Gonzales Kendall McLennan Newton Travis Bexar Coryell Grimes Kerr McMullen Panola Trinity Blanco DeWitt Guadalupe Kinney Madison Polk Tyler Bosque Dimmit Hamilton Lampasas Mason Real Uvalde Brazos Duval Hays LaSalle Maverick Robertson Walker Territory 4 Andrews Cockran Donley Hall Jeff Davis Mitchell Reeves Upton Archer Collingsworth Ector Hansford Kent Moore Roberts Val Verde Armstrong Cottle Edwards Hardeman King Motley Schleicher Ward Bailey Crane Fisher Hartley Knox Ochiltree Scurry Wheeler Baylor Crockett Floyd Haskell Lamb Oldham Sherman Wichita Borden Crosby Foard Hemphill Lipscomb Parmer Sterling Wilbarger Brewster Culberson Gaines Hockley Loving Pecos Stonewall Winkler Briscoe Dallam Garza Howard Lubbock Potter Sutton Yoakum Carson Dawson Glasscock Hudspeth Lynn Presidio Swisher Castro Deaf Smith Gray Hutchinson Martin Randall Terrell Childress Dickens Hale Irion Midland Reagan Terry Territory 5 Collin Denton Harrison Hunt Marion Smith Upshur Dallas Ellis Hood Johnson Rains Somervell Van Zandt Delta Gregg Hopkins Kaufman Rockwall Tarrant Wood Territory 6 Bowie Clay Eastland Jones Montague Red River Throckmorton Brown Coke Fannin Kimble Morris Runnels Titus Callahan Coleman Franklin Lamar Nolan Shackelford Tom Green Camp Concho Grayson McCulloch Palo Pinto Stephens Wise Cass Cooke Jack Menard Parker Taylor Young Territory 7 El Paso Territory 8 Hidalgo Starr Zapata 2

4 GENERAL RULES (Continued) 10. RESTRICTED AREAS - FLOOD: No new policies, binders or increases in coverage will be accepted when flooding is within 5 miles of mobile home. No new or renewal business may be written in these areas or on mobile homes located: a. inside any levee; b. on any island, key, cape or peninsula; c. in any area subject to flooding or mudslides; d. within one mile of any salt water. Risks located in the following flood restricted areas are not eligible for flood coverage. Attach endorsement A4194E0290 (R8/92) County City/Area Applies To: Zip Code Bandera Bandera Riverbed Estates Bandera Pipe Creek Alamo Beach Bastrop Bastrop Riverwood Acres Subd. (Off Jones Rd./Cr 41) Bexar San Antonio C A Kelley MHP & Trailer City MHP Coryell Gatesville FM Cowhouse Creek Guadalupe Cibolo Crescent Bend Subd Hardin Batson Batson Prairie Loop Area Harris Huffman Brentwood MHP Harrison Karnack Parts of Karnack (call office) Harrison Uncertain Entire Uncertain area Hildago Mission Heritage Square Hood Granbury Arrowhead Community, Lake Granbury / Harbor & Brazos River Acres Johnson Mansfield Pecanwood Estates Johnson Burleson County Rd. 600/FM 3391 Miller & Quail Creek Area Liberty Dayton Dayton Lakes Estates & Towering Oaks II Subd. & Oak Meadows Subd. & Timber Lake Subd. & Hunter s Cove Subd. Liberty Liberty Twin Oaks MHP Medina Pipe Creek Alamo Beach Montgomery Conroe Fire Tower Rd. - Between FM 1485 to the South & FM 2090 to the North, PLUS all roads within 2 miles East & West of Fire Tower Rd. Montgomery Conroe Chasewood Subd Montgomery Conroe Waukegan Rd. - Between FM 1485 to the South & Hwy. 105 to the North, PLUS all roads within 2 miles East & West of Waukegan Rd. Montgomery Conroe Magnolia Bend Subd. & River Oaks Dr. area Montgomery Magnolia Decker Prairie Subd. & Oak Hollow Subd. & Margolia Bend Estates & Decker Woods Subd. Montgomery New Caney Peach Creek Colony & Wood Branch & Arbor Oaks Montgomery Pinehurst Autumn Woods Subd. & Foxwood Subd. & Flower Mound & Decker Prairie area Montgomery Porter Live Oak Square & Porter Lane & Live Oak Burr Dr Montgomery Splendora Harvest Acres Subd. & Twin Lakes Estates Lake Splendora Subd Montgomery Patton Village Cheatum Street Montgomery Woodloch 2 mile radius of Woodloch Navarro Kerens City Lake Road Parker Soda Springs/Millsap Mountain River Estates Parker Weatherford Horseshoe Bend Community Polk Camilla/Coldspring Camilla Twin Harbor Polk Goodrich Riviera Estates Polk Livingston Penwaugh Marine & Campground Polk Onalaska Yaupon Cove Subd. (Lakefront Property) San Jacinto Coldspring Camilla/Camilla Twin Harbors San Jacinto Goodrich Camilla Twin Harbors & Riviera Estates San Jacinto Shepherd Grist Mill Lane Area & Independence Acres areas Travis Austin Austin Hill Mobile Home Estates Travis Austin Hudson Bend Camper Resort, West Beach Road & Annie Stewart Subd., Lake Travis Area Travis Austin Stonegate MHP Flood Zone Spaces , 3-31, , & Travis Del Valle FM 973 & Pearce Lane, Onion Creek Area Trinity Trinity White Rock Creek Subd. & Deer Run Subd Walker Magnolia Oak Hollow Subd Walker Trinity Deep River Plantation Wise Lake Bridgeport Runaway Bay & Hideaway Bay

5 GENERAL RULES (Continued) 11. HURRICANE RESTRICTIONS: During period of hurricane and tropical storm activity we find it necessary to restrict the binding authority of all producers on mobile homes located in the below listed area in the following manner: a. Do not bind or write coverage on new business in the HURRICANE RESTRICTED COUNTIES when any hurricane is within the area of 65 West and 100 West Meridians and 15 North and 40 North Parallels. b. Do not bind or write coverage on new business in the HURRICANE RESTRICTED COUNTIES when any tropical storm is within 75 West and 100 West Meridians and 20 North and 40 North Parallels. c. No endorsements to existing policies may be issued which have the effect of increasing the limit of liability on personal effects, cabanas, awnings, carports, or shelters while a hurricane or tropical storm is within the above quadrants. d. Renewal or expiring Rancher and Farmers or Voyager Indemnity policies may be written providing there is no increase in coverage provided, such as higher limits on Personal Effects Coverage, coverage on cabanas, carports, awnings, screen rooms, etc. e. When a hurricane or tropical storm has diminished to a point where the National Hurricane Center has declared that it no longer poses a threat and is no longer classified as a tropical storm or hurricane, all restrictions indicated here are removed. HURRICANE RESTRICTED COUNTIES: Angelina Caldwell Fayette Hays Kinney Maverick Refugio Tyler Wilson Atascosa Calhoun Fort Bend Hidalgo Kleberg McMullen Robertson Uvalde Zapata Austin Cameron Frio Houston La Salle Medina Sabine Victoria Zavala Bastrop Chambers Galveston Jackson Lavaca Milam San Augustine Walker Bee Cherokee Goliad Jasper Lee Montgomery San Jacinto Waller Bexar Colorado Gonzales Jefferson Leon Nacogdoches San Patricio Washington Brazoria Comal Grimes Jim Hogg Liberty Newton Shelby Webb Brazos DeWitt Guadalupe Jim Wells Live Oak Nueces Starr Wharton Brooks Dimmit Hardin Karnes Madison Orange Travis Willacy Burleson Duval Harris Kenedy Matagorda Polk Trinity Williamson 12. EARTHQUAKE RESTRICTIONS: When a major earthquake occurs, the Company will impose binding authority restrictions on all agents in the affected area: a. Binding authority will be restricted when an earthquake reading 5.0 or greater in the Richter Scale occurs. b. Binding authority will be restricted for the day of the quake and for the 3-day period following the quake. c. An aftershock reading 5.0 or greater on the Richter Scale will be considered a new earthquake, and will result in a new period of suspended binding authority. d. The restrictions will apply to all counties located within 150 miles of the earthquake's epicenter. e. The same above restrictions apply to any requests to increase coverage limits. f. Renewals are not affected by these restrictions. 13. BINDING PERSONAL LINES COVERAGE: a. Telephone Call the main number shown on the rate guide cover during our regular office hours. b. Fax Binders Available at all times. Please FAX binders on the appropriate American Reliable application using our FAX number shown on the rate guide cover. c. If you choose to bind by mail, coverage will be bound at 12:01 a.m. on the date following the postmark date of the transmittal envelope, unless the date and exact time of day of the application are indicated on the application, and the transmittal envelope is postmarked on that same date. All applications forwarded by metered mail will be effective at 12:01 a.m. on the date the application is received by Southern States. 14. PHOTOS: Photos are required for homes 10 years of age and older (front and back). 15. PREMIUM RULES: 1. Determine use of the home and determine proper program the risk will be written in. 2. Determine the location of the risk (county, territory, park status). 3. Locate appropriate table for base premium. 4. Add any Deductible credit, the result is the new base premium. 5. Apply the net of any credits and surcharges applicable to the policy, to the new base premium. 6. Add any optional coverages. 7. The result is the Total Premium. CLAIMS PROCEDURES ASSIGN ALL PROPERTY AND LIABILITY CLAIMS TO: AMERICAN RELIABLE INSURANCE COMPANY 8655 E. VIA DE VENTURA SCOTTSDALE, AZ TOLL FREE: FAX:

6 UNDERWRITING GUIDELINES INELIGIBLE RISKS 1. Applicants that have been convicted of arson, fraud or a felony. 2. Homes without permanently installed water, electricity, and sewage utility services. 3. Homes that have been salvaged or have existing structural damage. 4. Homes that are vacant, under construction/major renovation or in foreclosure. 5. Homes with kerosene heaters or heat reclaiming devices. 6. Homes where the primary source of heat is a wood, coal or pellet burning device. 7. Homes with fuses or polybutelene pipes. 8. Homes or structures used to store flammables or explosive materials. 9. Homes located in areas that are subject to floods, mudslides or forest fires. 10. Homes with more than 2 lien holders. Two lien holders are acceptable if one is a financial institution. 11. Homes with childcare, homecare, lodging, auto repair or chemical processing conducted on the premises. 12. Risks with unattached adjacent structures not incidental to the use of the home as a dwelling including: a. Any structure that exceeds 800 square feet in floor area. b. Unattached structure that is a home, site built house, barn (livestock structure), or used as living quarters. c. Greenhouses that are made of glass. 13. Applicants who own, keep, or shelter any of the following breeds: This includes but is not limited to Akitas, Chows, Dobermans, Great Danes, Pit Bulls, Rottweilers, Anatolian Shepherds, Wolfs or Wolf Hybrids, any mix of these breeds, any animal with a previous bite history or any exotic (snakes, monkeys, etc.) animals (Risk may be written if Animal Liability Limitation endorsement is attached). RISKS TO BE WRITTEN WITH NO LIABILITY COVERAGE 1. Any premises with a swimming pool or jacuzzi that does not have a four-foot fence with a self-latching gate or an automatic pool cover. 2. Any premises with a trampoline or a swimming pool with a diving board or slide. 3. Any premises with a dock, pier or boathouse. 4. Homes with no permanently installed steps at all entrances. SUBMIT RISKS 1. Applicants that have had 2 or more property losses in the past 3 years or any single fire, theft, liability or flood loss in the past 3 years. If yes, give date of loss, describe the loss and the amount paid to repair the damage. 2. Applicants that have had a mobile home/dwelling policy cancelled or non-renewed for underwriting reasons (except age of unit) during the past 3 years. 3. Applicants that have filed for bankruptcy in the past 3 years. 4. Applicants that have been delinquent in mortgage payments in the past year. 5. Applicants who are unemployed. (Retirees with guaranteed income and disabled persons with a consistent income are considered employed.) 6. Homes that have been uninsured for more than 30 days immediately prior to the requested effective date. (Does not apply to a new purchase.) 7. Homes titled in the name of a corporation. 8. Homes with more than two unrelated owners. 9. Homes that are built on stilts, posts or piers. 10. Homes or other structures (other than porches, decks, awnings, skirting or carports) that are not factory/contractor built or two separate homes that are joined together. Photos must be included. 11. Homes equipped with a supplemental heating device that was not installed by the manufacturer or a licensed contractor. Photos and the Woodstove Inspection Report must be included. 12. Homes within 1,500 feet of water excluding reservoirs (river, lake, creek or ocean) or homes located on an island or in a Special Flood Hazard Area. 13. Homes with horses, livestock or any farm animals on the premises. 14. Any premises with 5 or more acres. 15. Homes with business or farming activities conducted on the premises. 16. Homes with 3 or more steps on any exit without a handrail. Photos must be included. 17. Unattached structures that exceed 100% of the value of the mobile home or $25,000 whichever is greater. 18. Personal effects that exceed 100% of the value of the mobile home or $25,000 whichever is greater. Personal Effects Inventory must be included. 5

7 TEXAS MOBILE HOME PROGRAM L.O.B. 37 Rates Include: $500 Unattached Adjacent Structures, Personal Effects in Amount Shown, $50,000 Personal Liability, $500 Med Pay, Agreed Value Flood Coverage Included (not available in Territory 1) Deductibles: Territory 1 - $250 All Perils (Wind, Hurricane and Hail Excluded) Territory 2 - $250 All Other Perils / $1,000 Wind, Hail & Flood Territory 1 Territory 2 Mobile Home Value Personal Effects Insured under 50 years of age Insured over 50 years of age Insured under 50 years of age Insured over 50 years of age In Park Out of Park In Park Out of Park In Park Out of Park In Park Out of Park $5,000 - $5,999 $2,000 $260 $296 $234 $266 $442 $499 $401 $453 6,000-6,999 2, ,000-7,999 2, ,000-8,999 3, ,000-9,999 3, ,000-10,999 4, ,000-11,999 4, ,000-12,999 4, ,000-13,999 5, ,000-14,999 5, ,000-15,999 6, ,000-16,999 6, ,000-17,999 6, ,000-18,999 7, ,000-19,999 7, ,000-20,999 8, ,000-21,999 8, ,000-22,999 8, ,000-23,999 9, ,000-24,999 9, ,000-25,999 10, ,000-26,999 10, ,000-27,999 10, ,000-28,999 11, ,000-29,999 11, ,000-30,999 12, ,000-31,999 12, , ,000-32,999 12, , ,000-33,999 12, , ,000-34,999 12, , ,000-35,999 12, , ,000-36,999 12, , ,000-37,999 12, , ,000-38,999 12, , ,000-39,999 12, , ,000-40,999 12, , ,000-41,999 12, , ,000-42,999 12, , ,000-43,999 12, , ,000-44,999 12, , ,000-45,999 12, , ,000-46,999 12, , ,000-47,999 12, , ,000-48,999 12, , ,000-49,999 12, , ,001 50,000-50,999 12, , ,007 51,000-51,999 12, , ,012 52,000-52,999 12, , ,018 53,000-53,999 12, , ,022 54,000-54,999 12, ,002 1, ,027 55,000-55,999 12, ,008 1, ,033 56,000-56,999 12, ,012 1, ,038 57,000-57,999 12, ,018 1, ,044 58,000-58,999 12, ,023 1, ,048 59,000-59,999 12, ,029 1, ,055 60,000-60,999 12, ,033 1, ,059 61,000-61,999 12, ,039 1, ,066 62,000-62,999 12, ,044 1, ,070 63,000-63,999 12, ,050 1, ,076 64,000-64,999 12, ,054 1, ,081 65,000-65,999 12, ,059 1, ,085 66,000-66,999 12, ,065 1, ,092 67,000-67,999 12, ,071 1, ,098 68,000-68,999 12, ,075 1, ,102 69,000-69,999 12, ,080 1, ,107 70,000-70,999 12, ,086 1, ,113 Add'l Rate Per $1,000: $4.56 $5.20 $4.10 $4.68 $5.53 $6.30 $4.98 $5.67 6

8 TEXAS MOBILE HOME PROGRAM L.O.B. 37 Rates Include: $500 Unattached Adjacent Structures, Personal Effects in Amount Shown, $50,000 Personal Liability, $500 Med Pay, Agreed Value Flood Coverage Included Deductibles: Territory 3 - $250 All Other Perils / $500 Wind, Hail and Flood Territory 4 - $250 All Other Perils / $500 Wind, Hail and Flood Territory 3 Territory 4 Mobile Home Value Personal Effects Insured under 50 years of age Insured over 50 years of age Insured under 50 years of age Insured over 50 years of age In Park Out of Park In Park Out of Park In Park Out of Park In Park Out of Park $5,000 - $5,999 $2,000 $385 $434 $350 $394 $491 $555 $445 $503 6,000-6,999 2, ,000-7,999 2, ,000-8,999 3, ,000-9,999 3, ,000-10,999 4, ,000-11,999 4, ,000-12,999 4, ,000-13,999 5, ,000-14,999 5, ,000-15,999 6, ,000-16,999 6, ,000-17,999 6, ,000-18,999 7, ,000-19,999 7, ,000-20,999 8, ,000-21,999 8, ,000-22,999 8, ,000-23,999 9, ,000-24,999 9, ,000-25,999 10, ,000-26,999 10, ,000-27,999 10, ,000-28,999 11, ,000-29,999 11, ,000-30,999 12, ,000-31,999 12, ,000-32,999 12, ,000-33,999 12, ,000-34,999 12, ,000-35,999 12, , ,000-36,999 12, , ,000-37,999 12, , ,000-38,999 12, , ,000-39,999 12, , ,000-40,999 12, , ,000-41,999 12, , ,000-42,999 12, , ,000-43,999 12, , ,000-44,999 12, , ,000-45,999 12, , ,000-46,999 12, , ,000-47,999 12, , ,000-48,999 12, , ,000-49,999 12, , ,000-50,999 12, , ,000-51,999 12, , ,000-52,999 12, , ,000-53,999 12, , ,000-54,999 12, , ,000-55,999 12, , ,000 56,000-56,999 12, , ,003 57,000-57,999 12, , ,009 58,000-58,999 12, , ,014 59,000-59,999 12, , ,017 60,000-60,999 12, , ,022 61,000-61,999 12, ,000 1, ,025 62,000-62,999 12, ,003 1, ,029 63,000-63,999 12, ,006 1, ,031 64,000-64,999 12, ,010 1, ,036 65,000-65,999 12, ,013 1, ,039 66,000-66,999 12, ,014 1, ,039 67,000-67,999 12, ,018 1, ,044 68,000-68,999 12, ,021 1, ,047 69,000-69,999 12, ,024 1, ,049 70,000-70,999 12, ,027 1, ,053 Add'l Rate Per $1,000: $3.28 $3.74 $2.95 $3.37 $3.72 $4.24 $3.35 $3.82 7

9 TEXAS MOBILE HOME PROGRAM L.O.B. 37 Rates Include: $500 Unattached Adjacent Structures, Personal Effects in Amount Shown, $50,000 Personal Liability, $500 Med Pay, Agreed Value Flood Coverage Included Deductibles: Territory 5 - $250 All Other Perils / $500 Wind, Hail and Flood ** Territory 6 - $250 All Other Perils / $500 Wind, Hail and Flood ** ** (Dallas, Johnson, Parker & Tarrant Counties: $250 AOP/$500 Wind & Flood/$1,000 Hail) Mobile Home Value Personal Effects Territory 5 Territory 6 Insured under 50 years of age Insured over 50 years of age Insured under 50 years of age Insured over 50 years of age In Park Out of Park In Park Out of Park In Park Out of Park In Park Out of Park $5,000 - $5,999 $2,000 $416 $469 $378 $426 $462 $522 $419 $473 6,000-6,999 2, ,000-7,999 2, ,000-8,999 3, ,000-9,999 3, ,000-10,999 4, ,000-11,999 4, ,000-12,999 4, ,000-13,999 5, ,000-14,999 5, ,000-15,999 6, ,000-16,999 6, ,000-17,999 6, ,000-18,999 7, ,000-19,999 7, ,000-20,999 8, ,000-21,999 8, ,000-22,999 8, ,000-23,999 9, ,000-24,999 9, ,000-25,999 10, ,000-26,999 10, ,000-27,999 10, ,000-28,999 11, ,000-29,999 11, ,000-30,999 12, ,000-31,999 12, ,000-32,999 12, ,000-33,999 12, ,000-34,999 12, ,000-35,999 12, ,000-36,999 12, ,000-37,999 12, ,000-38,999 12, ,000-39,999 12, ,000-40,999 12, ,000-41,999 12, ,000-42,999 12, ,000-43,999 12, ,000-44,999 12, ,000-45,999 12, ,000-46,999 12, ,000-47,999 12, ,000-48,999 12, ,000-49,999 12, ,000-50,999 12, ,000-51,999 12, ,000-52,999 12, ,000-53,999 12, ,000-54,999 12, ,000-55,999 12, ,000-56,999 12, ,000-57,999 12, ,000-58,999 12, ,000-59,999 12, ,000-60,999 12, , ,000-61,999 12, , ,000-62,999 12, , ,000-63,999 12, , ,000-64,999 12, , ,000-65,999 12, , ,000-66,999 12, , ,000-67,999 12, , ,000-68,999 12, , ,000-69,999 12, , ,000-70,999 12, , Add'lRatePer$1,000: $3.07 $3.50 $2.76 $3.15 $3.07 $3.50 $2.76 $3.15 8

10 TEXAS MOBILE HOME PROGRAM L.O.B. 37 Rates Include: 10% Unattached Adjacent Structures, Personal Effects in Amount Shown, $100,000 Personal Liability, $500 Med Pay, Agreed Value Flood Coverage Included Deductibles: Territory 7 - $250 All Other Perils / $500 Hail Territory 8 - $250 All Other Perils / $500 Wind, Hail and Flood Territory 7 Territory 8 Mobile Home Value Personal Effects Insured under 50 years of age Insured over 50 years of age Insured under 50 years of age Insured over 50 years of age In Park Out of Park In Park Out of Park In Park Out of Park In Park Out of Park $5,000 - $5,999 $2,500 $300 $337 $274 $307 $372 $530 $338 $481 6,000-6,999 3, ,000-7,999 3, ,000-8,999 4, ,000-9,999 4, ,000-10,999 5, ,000-11,999 5, ,000-12,999 6, ,000-13,999 6, ,000-14,999 7, ,000-15,999 7, ,000-16,999 8, ,000-17,999 8, ,000-18,999 9, ,000-19,999 9, ,000-20,999 10, ,000-21,999 10, ,000-22,999 11, ,000-23,999 11, ,000-24,999 12, ,000-25,999 12, ,000-26,999 13, ,000-27,999 13, ,000-28,999 14, ,000-29,999 14, , ,000-30,999 15, , ,000-31,999 15, , ,000-32,999 16, , ,000-33,999 16, , ,000-34,999 17, , ,000-35,999 17, , ,000-36,999 18, , ,000-37,999 18, , ,000-38,999 19, , ,000-39,999 19, , ,000-40,999 20, , ,000-41,999 20, , ,000-42,999 21, , ,000-43,999 21, , ,000-44,999 22, , ,000-45,999 22, , ,000-46,999 23, , ,000-47,999 23, , ,000 48,000-48,999 24, , ,005 49,000-49,999 24, , ,010 50,000-50,999 25, , ,014 51,000-51,999 25, , ,020 52,000-52,999 26, , ,021 53,000-53,999 26, , ,025 54,000-54,999 27, , ,029 55,000-55,999 27, , ,031 56,000-56,999 28, , ,035 57,000-57,999 28, , ,038 58,000-58,999 29, , ,042 59,000-59,999 29, , ,045 60,000-60,999 30, , ,048 61,000-61,999 30, , ,049 62,000-62,999 31, , ,054 63,000-63,999 31, , ,057 64,000-64,999 32, , ,060 65,000-65,999 32, , ,063 66,000-66,999 33, , ,067 67,000-67,999 33, , ,070 68,000-68,999 34, , ,072 69,000-69,999 34, , ,075 70,000-70,999 35, , ,079 Add'lRatePer$1,000: $2.32 $2.64 $2.09 $2.38 $3.21 $4.72 $2.89 $4.25 9

11 SPECIAL MOBILE HOMEOWNERS PROGRAM L.O.B. 37 PROPERTY COVERAGE INCREASES UNATTACHED STRUCTURES (INCREASED LIMITS): The limit for Unattached Adjacent Structures may be increased. The rates per $100 are: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 $1.20 $1.95 $1.70 $2.40 $2.10 $2.10 PERSONAL EFFECTS (INCREASED LIMITS): The limit for Personal Effects may be increased. The rates per $100 are: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 $1.30 $1.00 $1.00 $1.00 $1.00 $1.00 LIABILITY COVERAGE OPTIONS PERSONAL LIABILITY: Limit of Liability Territory 1-6 Territory 7 & 8 To Delete CPL $15 Credit $30 Credit $ 25,000 $ 6 Credit $15 Credit $ 50,000 Included $10 Credit $100,000 $10 Included $300,000 $20 $20 MEDICAL PAYMENTS TO OTHERS: Limit of Liability $ 500 Included $1,000 $5 OPTIONAL COVERAGES MOBILE HOME REPLACEMENT COST COVERAGE: $10.00 Available on Mobile Homes 0-10 years old. PERSONAL EFFECTS REPLACEMENT COST COVERAGE, per $100 of coverage: $ 0.30 A minimum written premium of $25 applies to this coverage. TRIP COVERAGE: This coverage is available for 30 days and is fully earned. A $100 deductible applies. Singlewide $ Doublewide $ LENDER'S INTEREST PROTECTION COVERAGE: $ This coverage is only available on Mobile Homes with Lienholders. NATURAL DISASTER PROTECTION COVERAGE: $ 5.00 This coverage is only available on Mobile Homes with Lienholders. SCHEDULED PERSONAL PROPERTY COVERAGE, per $100 of coverage: $ 2.50 SATELLITE SYSTEM COVERAGE, per $100 of coverage: $ 5.00 Includes Satellite dishes and all interior and exterior auxiliary equipment. Maximum coverage allowed is $5,000. FLOOD COVERAGE: To delete flood coverage (not available in territory 1), subtract $ ENHANCEMENT COVERAGE: $ Limited Personal Effects categories are increased by purchasing this endorsement. In addition limits for Add'l Living Expense, Debris Removal, Emergency Removal, Fire Department Service Charge, Radio and Television Antenna, Tree, Shrubs, Plants and Lawns, Tie Downs, Claim Expenses, and Damage to Property to Others are increased. ADDITIONAL RESIDENCE PREMISES LIABILITY: Limits must match Personal Liability limits. Premium is per each additional insured premises. Limit of Liability Secondary Rented to Others $ 25,000 $15 $28 $ 50,000 $20 $32 $100,000 $25 $35 $300,000 $35 $45 Medical Payments To Others: $ 500 (When Additional Residence Premises coverage is purchased) Included $1,000 $ 5 GOLF CART COVERAGE: $100 Deductible $35 CREDITS/SURCHARGES DEDUCTIBLE OPTIONS: Deductible Territory 1* Territory 2 Territory 3 Territory 4 Territory 5** Territory 6** Territory 7 Territory 8 $500 All Perils Credit: $15 N/A $15 $15 $15 $15 $15 $15 $500 AOP, $1,000 Wind, Hail & Flood Credit: N/A $20 $25 $25 $25 $25 $25 $25 $1,000 All Perils Credit: $25 $25 $30 $30 $30 $30 $35 $30 * Wind, Hurricane and Hail coverage is excluded ** Dallas, Johnson, Parker and Tarrant Counties: Credit $15 for $1,000 All Peril Deductible Option Only AGE OF HOME SURCHARGE: 10% This surcharge will apply to homes manufactured 1976 or older. SUPPLEMENTAL HEATING SURCHARGE: $40 This surcharge applies to mobile homes with wood, coal or pellet heating units, or any heating unit not installed by the manufacturer. 10

12 ALL PURPOSE PROGRAM L.O.B. 48 (Rental and Commercial Units) PROPERTY COVERAGE COMPREHENSIVE MOBILE HOME COVERAGE: The rates per $100: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 Territory 7 Territory 8 $2.65 $2.10 $1.85 $2.10 $1.85 $1.85 $1.85 $1.85 NAMED PERILS MOBILE HOME COVERAGE: The rates per $100: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 Territory 7 Territory 8 $2.40 $1.90 $1.65 $1.90 $1.65 $1.65 $1.65 $1.65 COMPREHENSIVE UNATTACHED ADJACENT STRUCTURES COVERAGE: The rates per $100: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 Territory 7 Territory 8 $2.65 $2.10 $1.85 $2.10 $1.85 $1.85 $1.85 $1.85 NAMED PERILS UNATTACHED ADJACENT STRUCTURES COVERAGE: The rates per $100: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 Territory 7 Territory 8 $2.40 $1.90 $1.65 $1.90 $1.65 $1.65 $1.65 $1.65 NAMED PERILS PERSONAL EFFECTS COVERAGE, per $100 of coverage: $1.00 APPLICABLE DEDUCTIBLES: Territory Deductible Territory Deductible 1 $250 All Perils (Wind, Hurricane and Hail Excluded) 5* $250 All Other Perils / $500 Wind, Hail & Flood 2 $250 All Other Perils / $1,000 Wind, Hail & Flood 6* $250 All Other Perils / $500 Wind, Hail & Flood 3 $250 All Other Perils / $500 Wind, Hail & Flood 7 $250 All Other Perils / $500 Hail 4 $250 All Other Perils / $500 Wind, Hail & Flood 8 $250 All Other Perils / $500 Wind, Hail & Flood *Deductible in counties of Dallas, Johnson, Parker and Tarrant will be $250 All Other Perils / $500 Wind & Flood / $1,000 Hail PROPERTY COVERAGE (Continued) LENDER'S INTEREST PROTECTION COVERAGE: $15 This coverage is only available on Mobile Homes with Lienholders. The premium is fully earned. NATURAL DISASTER PROTECTION COVERAGE: $5 This coverage is only available on Mobile Homes with Lienholders. The premium is fully earned. TRIP COVERAGE: This coverage is available for 30 days and is fully earned. Singlewide $50 Doublewide $100 FLOOD COVERAGE: This coverage is not available in Territory 1. $35 GOLF CART COVERAGE: $100 Deductible $35 LIABILITY COVERAGE OWNER/LANDLORD LIABILITY: Includes $500 Medical Payments Coverage. Limit of Liability $ 25,000 $25 $ 50,000 $28 $100,000 $31 CREDITS/SURCHARGES AGE OF HOME SURCHARGE: 10% This surcharge will apply to homes manufactured 1976 or older. SUPPLEMENTAL HEATING SURCHARGE: $40 This surcharge applies to mobile homes with wood, coal or pellet heating units, or any heating unit not installed by the manufacturer. 11