REPUBLIC-FRANKLIN INSURANCE COMPANY HOMEOWNERS MANUAL DEVIATION PAGE NORTH CAROLINA

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Crystal Booker
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1 PROTECTION CLASSIFICATION INFORMATION RULE The following is added to Rule 106: Suburban Rating A. Eligibility (Note that all risks are subject to an inspection to verify the following risk characteristics.) 1. HO 00 02, HO and HO forms only. 2. Single family, owner occupied dwellings. 3. The ISO classification of the dwelling is located in an area classified as a 9 or 9E. 4. Dwelling must be primary residence (no secondary or seasonal). 5. Dwelling must be accessible year-round to fire fighting equipment over all-weather roads including the driveway to the residence. 6. Dwelling must be visible from the main road and visible by three neighbors, year round. 7. Primary responding fire department must be located within 5 road miles of the dwelling. 8. Dwelling must contain a functional fire extinguisher and smoke detector. 9. Dwelling does not contain a solid fuel-heating device. B. Rate 1. Frame A 10% credit is to be applied to the protection-construction factor for class Masonry A 5% credit is to be applied to the protection-construction factor for class 9. Optional Rating Characteristic (Rule A.10.a.) Policy/Dwelling characteristic 8-MP-2255F Ed

2 Rule 301.C. EDGE Program Tiered Rating The following is added to Rule 301: REPUBLIC-FRANKLIN INSURANCE COMPANY With respect to business written in Republic-Franklin Insurance Company, the base rates in the North Carolina Rate Bureau Rates manual will be reduced by the following tier factors: Tier # Factor Not applicable to HO or HO policies. Optional Rating Characteristic (Rule A.10.b.) Policyholder/Insured characteristic 8-MP-2255F Ed

3 PERSONAL PROPERTY REPLACEMENT COST RULE Rule 403.F. is replaced with the following: F. Premium Determination When Coverage C is extended to include full cost of repair or replacement without deduction for depreciation, the additional premium shall be developed as follows: Forms HO 00 02, HO and HO 00 05: If a 1 or 2 family dwelling, Coverage C will be increased to 70% of Coverage A at no additional charge. If a 3 or 4 family dwelling, Coverage C will be increased to 50% of Coverage A at no additional charge. A 5% surcharge is to be added to the total base premium. Forms HO and HO 00 06: A 40% surcharge is to be added to the total base premium. The minimum additional premium is $20. Use Endorsement HO Personal Property Replacement Cost Endorsement Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-2255F Ed

4 MASS MERCHANDISING PLAN REPUBLIC-FRANKLIN INSURANCE COMPANY This plan is available for the insuring of Homeowners Policies for employees of Utica National Insurance Group. The program utilizes the policy forms and rules as filed and approved for use by the Company. The base rates are to be discounted 15%. Optional Rating Characteristic (Rule A.10.d.) Affinity Group 8-MP-2255F Ed

5 A 5% discount applies to the Homeowners, Personal Inland Marine (including Pleasure Boat), Dwelling Fire, Personal Umbrella and Personal Automobile premiums provided the named insured is employed through an employer enrolled in the company workplace insurance service for employees (W.I.S.E.) program, or is a member of a company approved Affinity group. Optional Rating Characteristic (Rule A.10.d.) Affinity Group 8-MP-2255F Ed

6 PERSONAL LINES ACCOUNT CREDIT A ten (10%) percent discount shall be applied to the basic premium contained in the Homeowners Manual for insureds: 1. With a Homeowners policy written with one of the Utica National Insurance Group member companies; and 2. With a Personal Auto policy written with one of the Utica National Insurance Group member companies. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-2255F Ed

7 PACKAGE SUMMARY PAGE For insureds who select all of the following coverages and increased limits options, the charges will be as shown. CHARGE 1. Guaranteed Replacement Cost on HO % Personal Property 2. Increased Ordinance or Law Coverage HO % 3. Increased Loss of Use Cov. D See Dec. Page 512. waived 4. Personal Injury Liability Coverage HO waived 5. Coverage C Increased Special Limits HO (HO2, HO3) waived HO (HO5) 6. Fire Department Service Charge See Dec. Page 506. waived 7. Credit Card, Fund Transfer Card, HO waived Forgery 8. Special Computer Coverage HO waived 9. Refrigerated Property Coverage HO waived 10. Increased Medical Payments Coverage See Dec. Page 102. waived 11. Increased Personal Liability Coverage See Dec. Page 601. waived Optional Rating Characteristic (Rule A.10.a.) Policy Characteristic 8-MP-2255F Ed a

8 For insureds who, in addition to Guaranteed Replacement Cost on Personal Property, select all of the following coverages and increased limits options, the charge for HO will be 5% of the Base Premium with no minimum additional premium of $20, and no charge to increase Coverage C to 70% of Coverage A. 1. Increased Ordinance or Law Coverage HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits HO (HO2, HO3) HO (HO5) 5. Fire Department Service Charge See Dec. Page Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage 10. Increased Personal Liability Coverage See Dec. Page 102. See Dec. Page MP-2255F Ed b

9 For insureds who, in addition to Ordinance or Law Increased Amount of Coverage, select all of the following coverages and increased limits options, the charge for HO option of 15% of Coverage A (total 25%) will be 7% of the Base Premium. 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits HO (HO2, HO3) HO (HO5) 5. Fire Department Service Charge See Dec. Page Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page Increased Personal Liability Coverage See Dec. Page MP-2255F Ed c

10 For insureds who, in addition to Coverage D Increased Loss of Use to 30% of Coverage A, select all of the following coverages and increased limits options, the charge for Increased Loss of Use to 30% will be waived. 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Ordinance HO Coverage 3. Personal Injury Liability Coverage HO Coverage C Increased Special Limits HO (HO2, HO3) HO (HO5) 5. Fire Department Service Charge See Dec. Page Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page Increased Personal Liability Coverage See Dec. Page MP-2255F Ed d

11 For insureds who, in addition to Personal Injury Liability Coverage select all of the following coverages and increased limits options, the charge for HO will be waived. 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Increased Loss of Use Cov. D See Dec. Page Coverage C Increased Special Limits HO (HO2, HO3) HO (HO5) 5. Fire Department Service Charge See Dec. Page Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page Increased Personal Liability Coverage See Dec. Page MP-2255F Ed e

12 For insureds who, in addition to Coverage C Increased Special Limits of Liability (HO or HO 32 89), select all of the following coverages and increased limits options, the charge for the following increased coverages will be waived: a. Jewelry, Watches and Furs increased b. Money increased by $300 c. Securities increased by $1, Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Fire Department Service Charge See Dec. Page Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page Increased Personal Liability Coverage See Dec. Page MP-2255F Ed f

13 For insureds who, in addition to Increased Fire Department Charge Coverage of $1,000, select all of the following coverages and increased limits options, the charge will be waived. 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits HO (HO2, HO3) HO (HO5) 6. Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page Increased Personal Liability Coverage See Dec. Page MP-2255F Ed g

14 For insureds who, in addition to Credit Card, Fund Transfer, Forgery, and Counterfeit Money select all of the following coverages and increased limits options, the charge for increasing HO by $2,500 to a maximum of $10,000 coverage will be waived. 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits HO (HO2, HO3) HO (HO5) 6. Fire Department Service Charge See Dec. Page Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page Increased Personal Liability Coverage See Dec. Page MP-2255F Ed h

15 For insureds who, in addition to Special Computer Coverage select all of the following coverages and increased limits options, the charge for HO will be waived. 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits HO (HO2, HO3) HO (HO5) 6. Fire Department Service Charge See Dec. Page Credit Card, Fund Transfer Card, Forgery HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page Increased Personal Liability Coverage See Dec. Page MP-2255F Ed i

16 For insureds who, in addition to Refrigerated Property Coverage select all of the following coverages and increased limits options, the charge for HO will be waived. 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits HO (HO2, HO3) HO (HO5) 6. Fire Department Service Charge See Dec. Page Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Increased Medical Payments Coverage See Dec. Page Increased Personal Liability Coverage See Dec. Page MP-2255F Ed j

17 For insureds who in addition to Increased Medical Payments Coverage select all of the following coverages and increased limits options, the charge for an increase of $1,000 in medical payments coverage to a maximum coverage of $5,000 will be waived. 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits HO (HO2, HO3) HO (HO5) 6. Fire Department Service Charge See Dec. Page Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Personal Liability Coverage See Dec. Page MP-2255F Ed k

18 For insureds who, in addition to Increased Personal Liability Coverage select all of the following coverages and increased limits options, the charge for an increase of $100,000 in Coverage E subject to a maximum Coverage E of $1,000,000 will be waived. 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits HO (HO2, HO3) HO (HO5) 6. Fire Department Service Charge See Dec. Page Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page MP-2255F Ed l

19 FLEXIBLE HOSE CREDIT RULE REPUBLIC-FRANKLIN INSURANCE COMPANY 1. A two percent (2%) discount will be applied to the base premium if approved and properly maintained flexible stainless steel hoses or water lines are installed on all sinks, toilets, dishwashing machines, and clothes washing machines in the insured premises. 2. Applicable to HO 00 02, HO 00 03, HO and HO forms only. Optional Rating Characteristic (Rule A.10.c.) Dwelling characteristic 8-MP-2255F Ed

20 HIGH EFFICIENCY GAS FURNACE CREDIT RULE A. Eligibility 1. HO 00 02, HO 00 03, HO and HO forms only. 2. The gas furnace must have an efficiency rating of 90% or higher. 3. The entire furnace, not just the burner, must be no more than 9 years old. (Furnaces 10 or more years old are not eligible for credit). Credit applies to Gas furnaces only. 4. The insured must provide proof of furnace installation which includes the make, model, efficiency rating, and date of installation. This must be kept on file by the agent and provided to the company upon request. B. Credit Determination 1. Credit will be applied to the base premium. 2. A five percent (5%) credit will be applied for gas furnaces with efficiency ratings of 95% or higher. 3. A two and one half percent (2.5%) credit will be applied for gas furnaces with efficiency ratings between 90% 94%. 4. The age of furnace is determined as the difference between the year for which the policy is being rated and the year the furnace was installed. Optional Rating Characteristic (Rule A.10.c.) Dwelling characteristic 8-MP-2255F Ed

Created by SERFF on :56 PM

Created by SERFF on :56 PM Created by SERFF on 04-16-2007 02:56 PM Filing at a Glance Company: Graphic Arts Mutual Insurance Company Product Name: Homeowners SERFF Tr Num: UTCX-125150909 State: North CarolinaPC TOI: 04.0 Homeowners