MODERN USA INSURANCE COMPANY SIGNATURE ADULT PARK PROGRAM (15 YEARS OLD & NEWER)

Transcription

1 INDEX TERRITORY LISTING- ALL PROGRAMS 2 SIGNATURE ADULT PARK PROGRAM (15 YEARS OLD & NEWER) PAGE UNDERWRITING GUIDELINES 3-5 RATES AND COVERAGES 5A-5D DEDUCTIBLES AND OPTIONAL COVERAGES. 6 SENIOR STANDARD HOMEOWNERS PROGRAMS (16 YEARS & OLDER) UNDERWRITING GUIDELINES. 7-9 RATES AND COVERAGES. 9A-9D DEDUCTIBLES AND OPTIONAL COVERAGES. 10 FLOATERS - SIGNATURE AND SENIOR STANDARD PROGRAMS ONLY 11 PARK/FAMILY PARK PROGRAM UNDERWRITING GUIDELINES RATES AND COVERAGES 14A-14D DEDUCTIBLES AND OPTIONAL COVERAGES 15 APPROVED SUBDIVISION PROGRAM UNDERWRITING GUIDELINES RATES AND COVERAGES. 18A-18D DEDUCTIBLES AND OPTIONAL COVERAGES.. 19 PRIVATE PROPERTY PROGRAM UNDERWRITING GUIDELINES RATES AND COVERAGES 23A-23D DEDUCTIBLES AND OPTIONAL COVERAGES. 24 ADDITIONAL RULES APPLICABLE TO ALL PROGRAMS RATING: ORDER OF CALCULATION/ RATING EXAMPLES Modern USA Insurance Company Mobile Home Programs 1 MUSA 06/11

2 TERRITORY GUIDE SIGNATURE ADULT, SENIOR STANDARD, PARK/FAMILY PARK, APPROVED SUBDIVISION AND PRIVATE PROPERTY PROGRAMS Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 Territory 7 Territory 8 Alachua Charlotte Hillsborough Brevard Palm Beach Broward Dade Bay Baker Desoto Manatee Collier Monroe Calhoun Bradford Duval Pinellas Escambia Franklin Clay Flagler Sarasota Lee Gadsden Columbia Glades Okaloosa Gulf Gilchrist Hardee West of US 19 Santa Rosa Holmes Hamilton Hendry Pasco Jackson Highlands Indian River Liberty Lafayette Martin Wakulla Lake Nassau Walton Leon Okeechobee Washington Madison St. Johns Marion St. Lucie Orange Osceola West of US 19 Polk Citrus Putnam Dixie Seminole Hernando Sumter Jefferson Suwannee Levy Union Taylor East of US 19 Citrus Dixie Hernando Jefferson Levy Pasco Taylor Volusia (zips 32132, 32141, 32168, 32759, 32764, 32769) Volusia (except zips 32132, 32141, 32168, 32759, 32764, 32769) Modern USA Insurance Company Mobile Home Programs 2 MUSA 04/11

3 SIGNATURE PROGRAM UNDERWRITING GUIDELINES ELIGIBILITY REQUIREMENTS Mobile home must meet the following: Located in an approved Adult Park or in an Adult Section of a split park with 50% Adult spaces or separate section. Adult means parks or defined sections of parks where at least one resident is age fifty or older, and no children are allowed to reside. Be insured's primary Florida residence. Must be owner occupied 3 months a year. Monthly Rental permitted six (6) month maximum For units which are outside of the 15 years or newer range at inception we will consider the wind resistance of the structure and measures undertaken by the owner to protect the structure against hurricane loss. Measures which can be taken are ensuring that Tie downs, Carport Enhancements, Strengthening of Site Built Additions such as sheds, screen rooms, sun rooms and porches comply with F.A.C 15C and F.S We will not deny coverage solely on the basis of the age of the structure. Minimum width of 12' (excluding Park Models) with mobile home siding, excluding tip-outs or slide-outs and excluding Attachments. Park Models minimum width of 8. May not be vacant. Have skirting or fully enclosed foundation. Secured by anchored tie-downs in accordance with state, county, or city regulations. Insured for at least 100% of replacement cost like, kind and quality. Coverage A is from $20,000 to $125,000 for policies, not including Attachments; or Coverage A is from $20,000 to $250,000 for mobile homes built to HUD Wind Zone III Wind Load Standards or installed on a permanent foundation. Be well maintained and show pride of ownership. Have a handrail where there are 3 or more steps. No more than one mobile home at the insured location. INELIGIBLE RISKS Mobile homes which meet one or more of the following: Risk with trees touching any insurable structure Within 1500 feet of tidal waters, except with Underwriting approval. Subject to any of the following exposures: 1. Office Occupancy or Business Pursuits 2. Mobile Homes with Existing Damage 3. Farmer Comprehensive Personal Liability 4. Building Ordinance or Law Coverage 5. Day Care activities unless commercial liability coverage for this is obtained. Homes that are subject to brush fires, cave-in, flooding, excessive wind/hail or landslides except with underwriter approval Homes with more than two lien holders, except with underwriter approval. Risks with vicious dogs or any mix thereof, or exotic animals or farm animals. MUSA utilizes the Animal Liability Exclusion Endorsement that excludes losses caused by domestic dogs and cats weighing over 30 pounds on all policies. MUSA has included a provision in its eligibility guidelines specifically prohibiting the writing of any risk where any vicious, dangerous or exotic animals are kept on the premises, including, but not limited to: dangerous breeds of dogs (examples below)/wild animals (i.e. animals not commonly recognized as domesticated); farm animals (including saddle animals kept for pleasure use); lions, tigers, dangerous reptiles, birds of prey, and other exotic animals; any animal whose bite or touch is poisonous or toxic; etc. It is MUSA s position that if these types of animals are present; the policy is not to be written under ANY circumstances. MUSA will only accept coverage for risks that have domesticated animals kept as pets (e.g. house cats, gentle breeds of dogs, dogs with no history of biting, aquarium fish, small birds, etc.) Modern USA Insurance Company Mobile Home Programs 3 MUSA 10/14

4 SIGNATURE PROGRAM UNDERWRITING GUIDELINES (cont.) In order to further clarify this position, MUSA deems the following breeds or types of dogs as per se dangerous, thereby rendering the risk ineligible to be written under any circumstances: Akita Chow Doberman Pinscher German Shepherd Pit Bull Presa Canario Rhodesian Ridgeback Rottweiler Staffordshire Terrier (or any of the large Terrier breeds that have descended from dogs bred for fighting) Wolf Hybrids Any mixed breed dog containing any of the above breeds, no matter what the percentage. Any dog weighing more than 100 pounds Any dog that has ever been trained as and/or used as a guard dog or attack dog Any dog that has ever been trained or used in military or police work Any dog belonging to a breed that was historically bred for fighting Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people. This is not an all-encompassing list. MUSA reserves the right to amend this list at any time. It is expected that all MUSA representatives and agents will exercise sound judgment and common sense in dealing with situations not specifically described above. In the event of any uncertainty or questions, MUSA s Underwriting Department should be contacted for clarification or further discussion. SUBMIT FOR APPROVAL (DO NOT BIND) Applicant(s) with any losses except act of God within the last 5 years. Please provide the following information on each loss: type of loss, date of loss, cost of damages, details about loss. Applicant(s), which have been canceled, declined, or non-renewed due to specific risk deficiencies or unsatisfactory past loss history. A detailed explanation is required in order to review submitted application. Applicant(s) with any loss in excess of $5000. A detailed explanation is required. DISCOUNTS Discounts are available at inception or upon subsequent renewal policy date. UNINSURABLE ADDITIONS Awnings or other attachments made of cloth or canvas. Structures not of strong, durable material or not conforming to local building codes. Swimming pools, pool screen enclosures, greenhouses and satellite systems. Modern USA Insurance Company Mobile Home Programs 4 MUSA 07/12

5 SIGNATURE PROGRAM UNDERWRITING GUIDELINES cont.) HURRICANE - TROPICAL STORM Agents binding authority automatically terminates for new business and coverage increases when a "Hurricane or Tropical Storm Warning" has been issued by the National Weather Bureau based on the following rules: Hurricanes: Binding is restricted when the Hurricane is within the following boundaries: 72 W longitude, 15 N latitude, 90 W longitude, 32 N latitude Tropical Storms: Binding is only restricted in areas under a tropical storm warning or watch. The rest of the state remains open. Tropical Storms do not result in binding restrictions when they are within the latitude and longitude coordinates defined within the Hurricane binding restrictions stated above. The Restrictions stated above do not apply to: Home closings (new purchases), A copy of the closing statement is required with the application. Business bound prior to the restriction going into effect. CPIC ELIGIBLE AREAS The mobile home must be insured for Wind Coverage by the Citizens Property Insurance Corporation Association if located in a CPIC eligible area. CANCELLATION OF PREMIUM Insured may cancel at any time for any reason. We will refund any unearned premium on a pro rata basis. WHOLE DOLLAR PREMIUM RULE All premiums shown on the policy, endorsements, and cancellations are rounded to the nearer whole dollar. A premium of fifty cents ($.50) or more is rounded to next higher whole dollar. State coverage in even thousands i.e. $30,000 not $29,500. WAIVER OF PREMIUM When a policy is endorsed subsequent to the inception date, any additional or return premium of $5 or less may be waived. An Insured may submit a written request to obtain waived return premium on a canceled policy. INSURED DATE OF BIRTH AND SOCIAL SECURITY NUMBER MUST BE STATED ON ALL APPLICATIONS Modern USA Insurance Company Mobile Home Programs 5 MUSA 06/14

6 SIGNATURE PROGRAM OPTIONAL COVERAGES & DEDUCTIBLES OPTIONAL COVERAGES AND RATES ATTACHED STRUCTURES Territory I $1.26 / $100 Territory II $1.74 / $100 Territory III $1.74 / $100 Territory IV $1.82 / $100 Territory V $2.48 / $100 Territory VI $3.40 / $100 Territory VII $2.96 / $100 Territory VIII $1.64 / $100 UNATTACHED STRUCTURES $1.30 / $100 INCREASE PERSONAL PROPERTY $0.33 / $100 Not to exceed Cov. A EXCLUDE PERSONAL PROPERTY (Credit) BASE RATE X 7% INCREASE LIABILITY TO $100,000 $10.00 INCREASE LIABILITY TO $300,000 $50.00 INCREASE MED PAY TO $1,000 $2.00 INCREASE JEWELRY LIMIT TO $2,000 $20.00 FLOATERS PAGE 11 GOLF CARTS ($5,000 Property, $50,000 Liability, $500 Med Pay) $60.00 DISCOUNTS FIRE SPRINKLER BASE RATE X 5% FIRE EXTINGUISHER / SMOKE ALARM BASE RATE X 5% WATER CONTROL DEVICE* - device designed to automatically detect leaks and shutoff water supply to mobile home when detecting continuous flow above the daily/normal use. Closes the master plumbing valve; or BASE RATE X 3% Closes the master plumbing device and activates a central station or direct alarm BASE RATE X 5% *Manufacture and Installer Certifications required for application of this discount MEMBERSHIP IN AARP, AAA or FMHO BASE RATE X 5% SECURITY GUARDS or SECURITY GATED COMMUNITY BASE RATE X 5% MOBILE HOMES WHICH MEET ANSI/ASCE 7-88 STANDARDS ADOPTED ON 7/13/94 BASE RATE X 9% COMPANION POLICY DISCOUNT BASE RATE X 5% (Insured purchases our mobile home and our flood policies) Maximum credit allowable is 15%. ANSI/ASCE "after 7/13/94" credit not included in maximum. DEDUCTIBLES $1,000 DEDUCTIBLE ON ALL OTHER PERILS INCLUDED $500 All Other Perils except water ($1,000 Water) BASE RATE X 2% Surcharge $500 All Other Perils BASE RATE X 5% Surcharge HURRICANE DEDUCTIBLES MANDATORY DEDUCTIBLE MAY BE REQUIRED IN CERTAIN COUNTIES Hurricane Deductible Credits/Surcharges $500 Deductible BASE RATE X 5% Surcharge 2% of Coverage "A" HURRICANE DEDUCTIBLE (Min. of $500) INCLUDED 5% of Coverage "A" HURRICANE DEDUCTIBLE BASE RATE X 7% Credit 10% of Coverage "A" HURRICANE DEDUCTIBLE BASE RATE X 12% Credit Maximum Credit Does Not Apply to Deductibles Modern USA Insurance Company Mobile Home Programs 6 MUSA 01/12

7 SENIOR STANDARD MOBILE HOME PROGRAM UNDERWRITING GUIDELINES ELIGIBILITY REQUIREMENTS Mobile home must meet the following: Located in an Adult Park or in an Adult Section of a split park with 50% Adult spaces or separate Adult Section with a resident manager. Adult means parks or defined sections of parks where at least one resident is age fifty or older, and no children are allowed to reside. Be insured's primary Florida residence. Must be owner occupied 3 months a year. Monthly Rental permitted six (6) month maximum For units which are outside of the manufactured date of 16 years to 35 years at inception we will consider the wind resistance of the structure and measures undertaken by the owner to protect the structure against hurricane. Measures which can be taken are ensuring that Tie downs, Carport Enhancements, Strengthening of Site Built Additions such as sheds, screen rooms, sun rooms and porches comply with F.A.C 15C and F.S We will not deny coverage solely on the basis of the age of the structure. Minimum width of 12 feet. May not be vacant. Have skirting or fully enclosed foundation. Secured by anchored tie-downs in accordance with state, county, or city regulations. Coverage A is from $15,000 to $100,000 for policies in CPIC ELIGIBLE AREAS; or Coverage A may be written from $20,000 to $250,000 for mobile homes built to HUD Wind Zone III Wind Load Standards or installed on a permanent foundation. Coverage A is from $15,000 to $85,000 for policies in the Remainder of State; or Coverage A may be written from $20,000 to $250,000 for mobile homes built to HUD Wind Zone III Wind Load Standards or installed on a permanent foundation. Be well maintained and show pride of ownership. Have a handrail where there are 3 or more steps.. No more than one mobile home at the insured location. INELIGIBLE RISKS Mobile homes which meet one or more of the following: Risk with trees touching any insurable structure. Within 1500 feet of tidal waters, except with Underwriting approval. Subject to any of the following exposures: 1. Office Occupancy or Business Pursuits 2. Farmer Comprehensive Personal Liability 3. Building Ordinance or Law Coverage 4. Day Care activities unless commercial liability coverage for this is obtained Homes that are subject to brush fires, cave-in, flooding, excessive wind/hail or landslides except with underwriter approval Homes with more than two lienholders except with underwriter approval. Risks with vicious dogs or any mix thereof, or exotic animals or farm animals. MUSA utilizes the Animal Liability Exclusion Endorsement that excludes losses caused by domestic dogs and cats weighing over 30 pounds on all policies. MUSA has included a provision in its eligibility guidelines specifically prohibiting the writing of any risk where any vicious, dangerous or exotic animals are kept on the premises, including, but not limited to: dangerous breeds of dogs (examples below)/wild animals (i.e. animals not commonly recognized as domesticated); farm animals (including saddle animals kept for pleasure use); lions, tigers, dangerous reptiles, birds of prey, and other exotic animals; any animal whose bite or touch is poisonous or toxic; etc. It is MUSA s position that if these types of animals are present; the policy is not to be written under ANY circumstances. MUSA will only accept coverage for risks that have domesticated animals kept as pets (e.g. house cats, gentle breeds of dogs, dogs with no history of biting, aquarium fish, small birds, etc.) Modern USA Insurance Company Mobile Home Programs 7 MUSA 10/14

8 SENIOR STANDARD MOBILE HOME PROGRAM UNDERWRITING GUIDELINES (cont.) In order to further clarify this position, MUSA deems the following breeds or types of dogs as per se dangerous, thereby rendering the risk ineligible to be written under any circumstances: Akita Chow Doberman Pinscher German Shepherd Pit Bull Presa Canario Rhodesian Ridgeback Rottweiler Staffordshire Terrier (or any of the large Terrier breeds that have descended from dogs bred for fighting) Wolf Hybrids Any mixed breed dog containing any of the above breeds, no matter what the percentage. Any dog weighing more than 100 pounds Any dog that has ever been trained as and/or used as a guard dog or attack dog Any dog that has ever been trained or used in military or police work Any dog belonging to a breed that was historically bred for fighting Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people. This is not an all-encompassing list. MUSA reserves the right to amend this list at any time. It is expected that all MUSA representatives and agents will exercise sound judgment and common sense in dealing with situations not specifically described above. In the event of any uncertainty or questions, MUSA s Underwriting Department should be contacted for clarification or further discussion. SUBMIT FOR APPROVAL (DO NOT BIND) Applicant(s) with any losses except act of God within the last 5 years. Please provide the following information on each loss: type of loss, date of loss, cost of damages, details about loss. Applicant(s) which have been canceled, declined, or non-renewed due to specific risk deficiencies or unsatisfactory past loss history. A detailed explanation is required in order to review submitted application. Modern USA Insurance Company Mobile Home Programs 8 MUSA 07/12

9 SENIOR STANDARD MOBILE HOME PROGRAM UNDERWRITING GUIDELINES (cont.) UNINSURABLE Awnings or other attachments made of cloth or canvas. ADDITIONS Structures not of strong, durable material or not conforming to local building codes. Swimming pools, pool screen enclosures, greenhouses and satellite systems. HURRICANE - TROPICAL STORM Agents binding authority automatically terminates for new business and coverage increases when a "Hurricane or Tropical Storm Warning" has been issued by the National Weather Bureau based on the following rules: Hurricanes: Binding is restricted when the Hurricane is within the following boundaries: 72 W longitude, 15 N latitude, 90 W longitude, 32 N latitude Tropical Storms: Binding is only restricted in areas under a tropical storm warning or watch. The rest of the state remains open. Tropical Storms do not result in binding restrictions when they are within the latitude and longitude coordinates defined within the Hurricane binding restrictions stated above. The Restrictions stated above do not apply to: Home closings (new purchases), A copy of the closing statement is required with the application. Business bound prior to the restriction going into effect. CPIC ELIGIBLE AREAS The mobile home must be insured for Wind Coverage by the Citizens Property Insurance Corporation if located in a CPIC eligible area. CANCELLATION OF PREMIUM Insured may cancel at any time for any reason. We will refund any unearned premium on a pro rata basis. WHOLE DOLLAR PREMIUM RULE All premiums shown on the policy, endorsements, and cancellations are rounded to the nearer whole dollar. A premium of fifty cents ($.50) or more is rounded to next higher whole dollar. State coverage in even thousands i.e. $30,000 not $29,500. WAIVER OF PREMIUM When a policy is endorsed subsequent to the inception date, any additional or return premium of $5 or less may be waived. An Insured may submit written request to obtain waived return premium on a canceled policy. DISCOUNTS Discounts are available at inception or upon subsequent renewal policy date. INSURED DATE OF BIRTH AND SOCIAL SECURITY NUMBER MUST BE STATED ON ALL APPLICATIONS Modern USA Insurance Company Mobile Home Programs 9 MUSA 06/14

10 SENIOR STANDARD PROGRAM OPTIONAL COVERAGES & DEDUCTIBLES OPTIONAL COVERAGES AND RATES ATTACHED STRUCTURES Territory I $1.20 / $100 Territory II $1.65 / $100 Territory III $1.65 / $100 Territory IV $1.73 / $100 Territory V $2.36 / $100 Territory VI $3.23 / $100 Territory VII $2.82 / $100 Territory VIII $1.56 / $100 UNATTACHED STRUCTURES $1.24 / $100 INCREASE PERSONAL PROPERTY $0.32 / $100 Not to exceed Cov. A EXCLUDE PERSONAL PROPERTY (Credit) BASE RATE X 7% REPLACEMENT COST PERSONAL EFFECTS INCLUDED INCREASE LIABILITY TO $100,000 $10.00 INCREASE MED PAY TO $1,000 $2.00 INCREASE JEWELRY LIMIT TO $2,000 $19.00 FLOATERS PAGE 11 GOLF CARTS ($5,000 Property, $50,000 Liability, $500 Med Pay) $60.00 DISCOUNTS FIRE SPRINKLER BASE RATE X 5% FIRE EXTINGUISHER / SMOKE ALARM BASE RATE X 5% WATER CONTROL DEVICE* - device designed to automatically detect leaks and shutoff water supply to mobile home when detecting continuous flow above the daily/normal use. Closes the master plumbing valve; or BASE RATE X 3% Closes the master plumbing device and activates a central station or direct alarm BASE RATE X 5% *Manufacture and Installer Certifications required for application of this discount MEMBERSHIP IN AARP, AAA or FMHO BASE RATE X 5% SECURITY GUARDS or SECURITY GATED COMMUNITY BASE RATE X 5% MOBILE HOMES WHICH MEET ANSI/ASCE 7-88 STANDARDS ADOPTED ON 7/13/94 BASE RATE X 9% COMPANION POLICY DISCOUNT BASE RATE X 5% (Insured purchases our mobile home and our flood policies) Maximum credit allowable is 15%. ANSI/ASCE "after 7/13/94" credit not included in maximum. DEDUCTIBLES $1,000 DEDUCTIBLE ON ALL OTHER PERILS INCLUDED $500 All Other Perils except water ($1,000 Water) BASE RATE X 2% Surcharge $500 All Other Perils BASE RATE X 5% Surcharge HURRICANE DEDUCTIBLES MANDATORY DEDUCTIBLE MAY BE REQUIRED IN CERTAIN COUNTIES Hurricane Deductible Credits/Surcharges $500 Deductible BASE RATE X 5% Surcharge 2% of Coverage "A" HURRICANE DEDUCTIBLE (Min. of $500) INCLUDED 5% of Coverage "A" HURRICANE DEDUCTIBLE BASE RATE X 7% Credit 10% of Coverage "A" HURRICANE DEDUCTIBLE BASE RATE X 12% Credit Maximum Credit Does Not Apply to Deductibles THE 10% DEDUCTIBLE OPTION IS NOT AVAILABLE WHEN LIENHOLDER IS SHOWN ON APPLICATION. Changes available at inception or renewal only. Modern USA Insurance Company Mobile Home Programs 10 MUSA 01/12

11 FLOATERS SIGNATURE ADULT & SENIOR STANDARD PROGRAMS FLOATERS $5,000 LIMIT PER ITEM, $20,000 LIMIT COMBINED TOTAL. CURRENT APPRAISAL REQUIRED ON ANY SINGLE ITEM VALUED AT $2,500 OR MORE. SUBMIT FOR APPROVAL OVER $10,000 RATE/$100 MINIMUM PREMIUM FUR $1.30 MUSICAL INSTRUMENTS: MOBILE (GUITARS, VIOLINS, HORNS).. $2.60 IMMOBILE (ORGANS, PIANOS, ETC.) $0.33 $30.00 FINE ARTS, CAMERA, ANTIQUES.. $2.60 GUNS $3.90 SILVERWARE. $0.80 JEWELRY: (ADULT PROGRAMS) $3.35 Modern USA Insurance Company Mobile Home Programs 11 MUSA 06/09

12 PARK/FAMILY PARK PROGRAMS UNDERWRITING GUIDELINES ELIGIBILITY REQUIREMENTS: Mobile home must meet the following: For units which are outside of the 1994 and newer range at inception we will consider the wind resistance of the structure and measures undertaken by the owner to protect the structure against hurricane loss. Measures which can be taken are ensuring that Tie downs, Carport Enhancements, Strengthening of Site Built Additions such as sheds, screen rooms, sun rooms and porches comply with F.A.C 15C and F.S We will not deny coverage solely on the basis of the age of the structure. Be insured's primary Florida residence. Must be owner occupied 3 months a year. Monthly Rental permitted six (6) month maximum ACV of mobile home not less than $15,000 at policy inception. Be secured by anchored tie-down in accordance with Florida, city and county regulations. Minimum width must be twelve (12) feet. Submit tie-down information with application. Mobile home must have skirting or otherwise fully enclosed foundation. Mobile home must have a handrail where there are 3 or more steps. Attachments must be described & listed on the application to be insured. Be well maintained and show pride of ownership. No more than one mobile home at the insured location. Premium is determined by value of the mobile home and attachments. PARK/FAMILY Communities that allow children, have more than 20 PROGRAM mobile homes, and have a resident manager. LOCATION MAXIMUM VALUE PREMIUMS WAIVER OF PREMIUMS DISCOUNTS CANCELLATION OF PREMIUM Name of Mobile Home Park must be specified. $15,000 - $75,000; or Coverage A may be written from $20,000 to $250,000 for mobile homes built to HUD Wind Zone III Wind Load Standards or installed on a permanent foundation All premiums shown on the policy, endorsements and cancellations are rounded to the nearer whole dollar. A premium of fifty cents ($.50) or more is rounded to next higher whole dollar. State coverage in even thousands, i.e. $30,000 not $29,500. When a policy is endorsed subsequent to the inception date, any additional or return premium of $5 or less may be waived. An Insured may submit a written request to obtain waived return premium on a canceled policy. Discounts are available at inception or upon subsequent renewal policy date. Insured may cancel at any time for any reason. We will refund any unearned premium on a pro rata basis. HURRICANE - TROPICAL STORM Agents binding authority automatically terminates for new business and coverage increases when a "Hurricane or Tropical Storm Warning" has been issued by the National Weather Bureau based on the following rules: Hurricanes: Binding is restricted when the Hurricane is within the following boundaries: 72 W longitude, 15 N latitude, 90 W longitude, 32 N latitude Modern USA Insurance Company Mobile Home Programs 12 MUSA 10/14

13 PARK/FAMILY PARK PROGRAMS UNDERWRITING GUIDELINES (CONT.) Tropical Storms: Binding is only restricted in areas under a tropical storm warning or watch. The rest of the state remains open. Tropical Storms do not result in binding restrictions when they are within the latitude and longitude coordinates defined within the Hurricane binding restrictions stated above. The Restrictions stated above do not apply to: Home closings (new purchases), A copy of the closing statement is required with the application. Business bound prior to the restriction going into effect. CPIC ELIGIBLE AREAS The mobile home must be insured for Wind Coverage by the Citizen Property Insurance Corporation if located in a CPIC eligible area. INELIGIBLE RISKS Mobile homes which meet one or more of the following: Risk with trees touching any insurable structure. Within 1500 feet of tidal waters, except with Underwriting approval. Subject to any of the following exposures: 1. Office Occupancy or Business Pursuits 2. Farmer Comprehensive Personal Liability 3. Day Care activities unless commercial liability coverage for this is obtained Homes that are subject to brush fires, cave-in, flooding, excessive wind/hail or landslides except with underwriter approval Homes with more than two lien holders except with underwriter approval. Risks with vicious dogs or any mix thereof, or exotic animals or farm animals. MUSA utilizes the Animal Liability Exclusion Endorsement that excludes losses caused by domestic dogs and cats weighing over 30 pounds on all policies. MUSA has included a provision in its eligibility guidelines specifically prohibiting the writing of any risk where any vicious, dangerous or exotic animals are kept on the premises, including, but not limited to: dangerous breeds of dogs (examples below)/wild animals (i.e. animals not commonly recognized as domesticated); farm animals (including saddle animals kept for pleasure use); lions, tigers, dangerous reptiles, birds of prey, and other exotic animals; any animal whose bite or touch is poisonous or toxic; etc. It is MUSA s position that if these types of animals are present; the policy is not to be written under ANY circumstances. MUSA will only accept coverage for risks that have domesticated animals kept as pets (e.g. house cats, gentle breeds of dogs, dogs with no history of biting, aquarium fish, small birds, etc.) In order to further clarify this position, MUSA deems the following breeds or types of dogs as per se dangerous, thereby rendering the risk ineligible to be written under any circumstances: Modern USA Insurance Company Mobile Home Programs 13 MUSA 07/12

14 PARK/FAMILY PARK PROGRAMS UNDERWRITING GUIDELINES (cont.) Akita Chow Doberman Pinscher German Shepherd Pit Bull Presa Canario Rhodesian Ridgeback Rottweiler Staffordshire Terrier (or any of the large Terrier breeds that have descended from dogs bred for fighting) Wolf Hybrids Any mixed breed dog containing any of the above breeds, no matter what the percentage. Any dog weighing more than 100 pounds Any dog that has ever been trained as and/or used as a guard dog or attack dog Any dog that has ever been trained or used in military or police work Any dog belonging to a breed that was historically bred for fighting Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people. This is not an all-encompassing list. MUSA reserves the right to amend this list at any time. It is expected that all MUSA representatives and agents will exercise sound judgment and common sense in dealing with situations not specifically described above. In the event of any uncertainty or questions, MUSA s Underwriting Department should be contacted for clarification or further discussion. SUBMIT FOR APPROVAL (DO NOT BIND) Applicant(s) with any losses except act of God within the last 5 years. Please provide the following information on each loss: type of loss, date of loss, cost of damages, details about loss. Applicant(s) which have been canceled, declined, or non-renewed due to specific risk deficiencies or unsatisfactory past loss history. A detailed explanation is required in order to review submitted application. UNINSURABLE ADDITIONS Structures not of strong, durable material or not conforming to local building codes. Swimming pools, pool screen enclosures, greenhouses and satellite systems. Awnings or other attachments made of cloth or canvas. INSURED DATE OF BIRTH AND SOCIAL SECURITY NUMBER MUST BE STATED ON ALL APPLICATIONS Modern USA Insurance Company Mobile Home Programs 14 MUSA 07/12

15 PARK/FAMILY PROGRAM OPTIONAL COVERAGES & DEDUCTIBLES OPTIONAL COVERAGES AND RATES ATTACHED STRUCTURES Territory I $1.26 / $100 Territory II $1.74 / $100 Territory III $1.74 / $100 Territory IV $1.82 / $100 Territory V $2.48 / $100 Territory VI $3.40 / $100 Territory VII $2.96 / $100 Territory VIII $1.64 / $100 UNATTACHED STRUCTURES $1.71 / $100 INCREASE PERSONAL PROPERTY $1.04 / $100 Not to exceed Cov. A EXCLUDE PERSONAL PROPERTY (Credit) BASE RATE X 6% INCREASE LIABILITY TO $ 50,000 $8.00 INCREASE LIABILITY TO $100,000 $15.00 INCREASE MED PAY TO $1,000 $2.00 REPLACEMENT COST ON HOME $13.50 REPLACEMENT COST PERSONAL EFFECTS (BASE PREMIUM X 10%) OR $40.00 MINIMUM RENTAL (UP TO 6 MONTHS $0.42 / $100 DISCOUNTS FIRE SPRINKLER BASE RATE X 5% FIRE EXTINGUISHER / SMOKE ALARM BASE RATE X 5% WATER CONTROL DEVICE* - device designed to automatically detect leaks and shutoff water supply to mobile home when detecting continuous flow above the daily/normal use. Closes the master plumbing valve; or BASE RATE X 3% Closes the master plumbing device and activates a central station or direct alarm BASE RATE X 5% *Manufacture and Installer Certifications required for application of this discount RETIRED / OVER 50 BASE RATE X 5% MEMBERSHIP IN AARP, AAA or FMHO BASE RATE X 5% MOBILE HOMES WHICH MEET ANSI/ASCE 7-88 STANDARDS ADOPTED ON 7/13/94 BASE RATE X 9% COMPANION POLICY DISCOUNT BASE RATE X 5% (Insured purchases our mobile home and our flood policies) Maximum credit allowable is 15%. ANSI/ASCE "after 7/13/94" credit not included in maximum. DEDUCTIBLES $1,000 DEDUCTIBLE ON ALL OTHER PERILS INCLUDED $500 All Other Perils except water ($1,000 Water) BASE RATE X 2% Surcharge $500 All Other Perils BASE RATE X 5% Surcharge HURRICANE DEDUCTIBLES MANDATORY DEDUCTIBLE MAY BE REQUIRED IN CERTAIN COUNTIES Hurricane Deductible Credits/Surcharges $500 Deductible BASE RATE X 5% Surcharge 2% of Coverage "A" HURRICANE DEDUCTIBLE (Min. of $500) INCLUDED 5% of Coverage "A" HURRICANE DEDUCTIBLE BASE RATE X 7% Credit 10% of Coverage "A" HURRICANE DEDUCTIBLE BASE RATE X 12% Credit Maximum Credit Does Not Apply to Deductibles Changes available at inception or renewal only. Modern USA Insurance Company Mobile Home Programs 15 MUSA 01/12

16 APPROVED SUBDIVISION PROGRAM UNDERWRITING GUIDELINES ELIGIBILITY REQUIREMENTS: Mobile home must meet the following: For units which are outside of the 1994 and newer range at inception we will consider the wind resistance of the structure and measures undertaken by the owner to protect the structure against hurricane loss. Measures which can be taken are ensuring that Tie downs, Carport Enhancements, Strengthening of Site Built Additions such as sheds, screen rooms, sun rooms and porches comply with F.A.C 15C and F.S We will not deny coverage solely on the basis of the age of the structure. Be insured's primary Florida residence. Must be owner occupied 10 months a year. No Rentals permitted. ACV of mobile home not less than $15,000 at policy inception. Be secured by anchored tie-down in accordance with Florida, city and county regulations. Minimum width must be twelve (12) feet. Mobile home must have skirting or otherwise fully enclosed foundation. Mobile home must have a handrail where there are 3 or more steps. Be well maintained and show pride of ownership. Attachments must be described & listed on the application to be insured in all programs. Must be Approved Subdivision. No more than one mobile home at the insured location. LOCATION SUBDIVISION (If subdivision not on our approved list, please call) Name of Subdivision must be specified on application A community zoned primarily for mobile homes. The size of the lots should be less than 1 acre, have 3 mobile homes within 300' and have at least 20 mobile Homes within subdivision. Any subdivision not meeting the preceding qualifications will be considered private property. MAXIMUM VALUE $15,000 - $75,000; or Coverage A may be written from $20,000 to $250,000 for mobile homes built to HUD Wind Zone III Wind Load Standards or installed on a permanent foundation. PREMIUMS WAIVER OF PREMIUMS DISCOUNTS All premiums shown on the policy, endorsements and cancellations are rounded to the nearer whole dollar. A premium of fifty cents ($.50) or more is rounded to next higher whole dollar. State coverage in even thousands, i.e. $30,000 not $29,500. When a policy is endorsed subsequent to the inception date, any additional or return premium of $5 or less may be waived. An Insured may submit written request to obtain waived return premium on a canceled policy. Discounts are available at inception or upon subsequent renewal policy date. Modern USA Insurance Company Mobile Home Programs 16 MUSA 10/14

17 APPROVED SUBDIVISION PROGRAM UNDERWRITING GUIDELINES (cont d) HURRICANE - TROPICAL STORM Agents binding authority automatically terminates for new business and coverage increases when a "Hurricane or Tropical Storm Warning" has been issued by the National Weather Bureau based on the following rules: Hurricanes: Binding is restricted when the Hurricane is within the following boundaries: 72 W longitude, 15 N latitude, 90 W longitude, 32 N latitude Tropical Storms: Binding is only restricted in areas under a tropical storm warning or watch. The rest of the state remains open. Tropical Storms do not result in binding restrictions when they are within the latitude and longitude coordinates defined within the Hurricane binding restrictions stated above. The Restrictions stated above do not apply to: Home closings (new purchases), A copy of the closing statement is required with the application. Business bound prior to the restriction going into effect. CANCELLATION OF PREMIUM Insured may cancel at any time for any reason. We will refund any unearned premium on a pro rata basis. CPIC ELIGIBLE AREAS The mobile home must be insured for Wind Coverage by the Florida Windstorm Underwriting Association if located in a CPIC eligible area. INELIGIBLE RISKS Mobile homes which meet one or more of the following: Risk with trees touching any insurable structure. Within 1500 feet of tidal waters, except with Underwriting approval. Subject to any of the following exposures: 1. Office Occupancy or Business Pursuits 2. Farmer Comprehensive Personal Liability 3. Day Care activities unless commercial liability coverage for this is obtained Homes that are subject to brush fires, cave-in, flooding, excessive wind/hail or landslides except with underwriter approval Homes with more than two lienholders except with underwriter approval. Risks with vicious dogs or any mix thereof, or exotic animals or farm animals. MUSA utilizes the Animal Liability Exclusion Endorsement that excludes losses caused by domestic dogs and cats weighing over 30 pounds on all policies. MUSA has included a provision in its eligibility guidelines specifically prohibiting the writing of any risk where any vicious, dangerous or exotic animals are kept on the premises, including, but not limited to: dangerous breeds of dogs (examples below)/wild animals (i.e. animals not commonly recognized as domesticated); farm animals (including saddle animals kept for pleasure use); lions, tigers, dangerous reptiles, birds of prey, and other exotic animals; any animal whose bite or touch is poisonous or toxic; etc. It is MUSA s position that if these types of animals are present; the policy is not to be written under ANY circumstances. MUSA will only accept coverage for risks that have domesticated animals kept as pets (e.g. house cats, gentle breeds of dogs, dogs with no history of biting, aquarium fish, small birds, etc.) Modern USA Insurance Company Mobile Home Programs 17 MUSA 07/12

18 APPROVED SUBDIVISION PROGRAM UNDERWRITING GUIDELINES (cont.) In order to further clarify this position, MUSA deems the following breeds or types of dogs as per se dangerous, thereby rendering the risk ineligible to be written under any circumstances: Akita Chow Doberman Pinscher German Shepherd Pit Bull Presa Canario Rhodesian Ridgeback Rottweiler Staffordshire Terrier (or any of the large Terrier breeds that have descended from dogs bred for fighting) Wolf Hybrids Any mixed breed dog containing any of the above breeds, no matter what the percentage. Any dog weighing more than 100 pounds Any dog that has ever been trained as and/or used as a guard dog or attack dog Any dog that has ever been trained or used in military or police work Any dog belonging to a breed that was historically bred for fighting Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people. This is not an all-encompassing list. MUSA reserves the right to amend this list at any time. It is expected that all MUSA representatives and agents will exercise sound judgment and common sense in dealing with situations not specifically described above. In the event of any uncertainty or questions, MUSA s Underwriting Department should be contacted for clarification or further discussion. SUBMIT FOR APPROVAL (DO NOT BIND) Applicant(s) with any losses except act of God within the last 5 years. Please provide the following information on each loss: type of loss, date of loss, cost of damages, details about loss. Applicant(s) which have been canceled, declined, or non-renewed due to specific risk deficiencies or unsatisfactory past loss history. A detailed explanation is required in order to review submitted application. UNINSURABLE Awnings or other attachments made of cloth or canvas. ADDITIONS Structures not of strong, durable material or not conforming to local building codes. Swimming pools, pool screen enclosures, greenhouses and satellite systems. INSURED DATE OF BIRTH AND SOCIAL SECURITY NUMBER MUST BE STATED ON ALL APPLICATIONS Modern USA Insurance Company Mobile Home Programs 18 MUSA 07/12

19 APPROVED SUBDIVISION PROGRAM OPTIONAL COVERAGES & DEDUCTIBLES OPTIONAL COVERAGES AND RATES ATTACHED STRUCTURES Territory I $1.26 / $100 Territory II $1.74 / $100 Territory III $1.74 / $100 Territory IV $1.82 / $100 Territory V $2.48 / $100 Territory VI $3.40 / $100 Territory VII $2.96 / $100 Territory VIII $1.64 / $100 UNATTACHED STRUCTURES $3.43 / $100 INCREASE PERSONAL PROPERTY $1.04 / $100 Not to exceed Cov. A EXCLUDE PERSONAL PROPERTY (Credit) BASE RATE X 4% INCREASE LIABILITY TO $ 50,000 $12.00 INCREASE MED PAY TO $1,000 $2.00 REPLACEMENT COST ON HOME $13.50 REPLACEMENT COST PERSONAL EFFECTS (BASE PREMIUM X 10%) OR $40.00 MINIMUM MUST BE OWNER OCCUPIED AT LEAST 10 MONTHS OUT OF THE YEAR DISCOUNTS FIRE SPRINKLER BASE RATE X 5% FIRE EXTINGUISHER / SMOKE ALARM BASE RATE X 5% WATER CONTROL DEVICE* - device designed to automatically detect leaks and shutoff water supply to mobile home when detecting continuous flow above the daily/normal use. Closes the master plumbing valve; or BASE RATE X 3% Closes the master plumbing device and activates a central station or direct alarm BASE RATE X 5% *Manufacture and Installer Certifications required for application of this discount MEMBERSHIP IN AARP, AAA or FMHO BASE RATE X 5% SECURITY GUARDS or SECURITY GATED COMMUNITY BASE RATE X 5% MOBILE HOMES WHICH MEET ANSI/ASCE 7-88 STANDARDS ADOPTED ON 7/13/94 BASE RATE X 9% RETIRED / OVER 50 BASE RATE X 5% COMPANION POLICY DISCOUNT BASE RATE X 5% (Insured purchases our mobile home and our flood policies) Maximum credit allowable is 15%. ANSI/ASCE "after 7/13/94" credit not included in maximum. DEDUCTIBLES $1,000 DEDUCTIBLE ON ALL OTHER PERILS INCLUDED $500 All Other Perils except water ($1,000 Water) BASE RATE X 2% Surcharge $500 All Other Perils BASE RATE X 5% Surcharge HURRICANE DEDUCTIBLE: MANDATORY DEDUCTIBLE MAY BE REQUIRED IN CERTAIN COUNTIES Hurricane Deductible Credits/Surcharges $500 Deductible BASE RATE X 5% Surcharge 2% of Coverage "A" HURRICANE DEDUCTIBLE (Min. of $500) INCLUDED 5% of Coverage "A" HURRICANE DEDUCTIBLE BASE RATE X 7% Credit 10% of Coverage "A" HURRICANE DEDUCTIBLE BASE RATE X 12% Credit Maximum Credit Does Not Apply to Deductibles Changes available at inception or renewal only. Modern USA Insurance Company Mobile Home Programs 19 MUSA 01/12

20 PRIVATE PROPERTY PROGRAM UNDERWRITING GUIDELINES ELIGIBILITY REQUIREMENTS: Mobile home must meet the following: Be insured's primary Florida residence. For units which are outside of the 1994 and newer range at inception we will consider the wind resistance of the structure and measures undertaken by the owner to protect the structure against hurricane loss. Measures which can be taken are ensuring that Tie downs, Carport Enhancements, Strengthening of Site Built Additions such as sheds, screen rooms, sun rooms and porches comply with F.A.C 15C and F.S We will not deny coverage solely on the basis of the age of the structure. Must be owner occupied 10 months a year, be well maintained and show of ownership. No Rentals permitted. ACV of mobile home not less than $15,000 at policy inception. Be secured by anchored tie-down in accordance with Florida, city and county regulations. Minimum width must be twelve (12) feet. Mobile home must have skirting or otherwise fully enclosed foundation. Mobile home must have a handrail where there are 3 or more steps. Attachments must be described & listed on the application to be insured. Mobile home must have two neighboring homes within 600 feet and five neighbors within ¼ mile. Personal Articles Floaters not available. No Trampolines. No more than one mobile home at the insured location. All final eligibility or ineligibility is determined by underwriting. LOCATION PRIVATE PROPERTY MAXIMUM VALUE Risks on Private Property must specify location on application. The areas that are not in with mobile home parks or subdivisions. A private property questionnaire must be completed. Questionnaire is on the reverse side of our application and must be completed AND signed by the agent AND insured. $ 15,000 - $100,000; or Coverage A may be written from $20,000 to $250,000 for mobile homes built to HUD Wind Zone III Wind Load Standards or installed on a permanent foundation. PREMIUMS WAIVER OF PREMIUMS DISCOUNTS All premiums shown on the policy, endorsements and cancellations are rounded to the nearer whole dollar. A premium of fifty cents ($.50) or more is rounded to next higher whole dollar. State coverage in even thousands, i.e. $30,000 not $29,500. When a policy is endorsed subsequent to the inception date, any additional or return premium of $5 or less may be waived. An Insured may submit written request to obtain waived return premium on a canceled policy. Discounts are available at inception or upon subsequent renewal policy date. Modern USA Insurance Company Mobile Home Programs 20 MUSA 10/14

21 PRIVATE PROPERTY PROGRAM UNDERWRITING GUIDELINES (CONT.) HURRICANE - TROPICAL STORM Agents binding authority automatically terminates for new business and coverage increases when a "Hurricane or Tropical Storm Warning" has been issued by the National Weather Bureau based on the following rules: Hurricanes: Binding is restricted when the Hurricane is within the following boundaries: 72 W longitude, 15 N latitude, 90 W longitude, 32 N latitude Tropical Storms: Binding is only restricted in areas under a tropical storm warning or watch. The rest of the state remains open. Tropical Storms do not result in binding restrictions when they are within the latitude and longitude coordinates defined within the Hurricane binding restrictions stated above. The Restrictions stated above do not apply to: Home closings (new purchases), A copy of the closing statement is required with the application. Business with effective dates at least 10 days in the future. Business bound prior to the restriction going into effect. CANCELLATION OF PREMIUM CPIC ELIGIBLE AREAS Insured may cancel at any time for any reason. We will refund any unearned premium on a pro rata basis. The mobile home must be insured for Wind Coverage by the Florida Windstorm Underwriting Association if located in a CPIC eligible area. INELIGIBLE RISKS Risk with trees touching any insurable structure. Beach, island or other location close to ocean, bay or tidal waters. Any very low land exposed to flooding or high waters. Any location posing extraordinary high risk conditions of any kind. Homes in ill repair or showing lack of maintenance. Mobile homes on Commercial Property. Garages/large unattached structures (Only with underwriting approval). Swimming pools (Only with underwriting approval, No Physical Damage) Homes that are subject to brush fires, cave-in, flooding, excessive wind/hail or landslides except with underwriter approval Homes with more than two lienholders. Areas prone to sinkhole activity. Farm Animals on premises. Risks with vicious dogs or any mix thereof, or exotic animals or farm animals. MUSA utilizes the Animal Liability Exclusion Endorsement that excludes losses caused by domestic dogs and cats weighing over 30 pounds on all policies. Modern USA Insurance Company Mobile Home Programs 21 MUSA 10/14

22 PRIVATE PROPERTY PROGRAM UNDERWRITING GUIDELINES (cont.) MUSA has included a provision in its eligibility guidelines specifically prohibiting the writing of any risk where any vicious, dangerous or exotic animals are kept on the premises, including, but not limited to: dangerous breeds of dogs (examples below)/wild animals (i.e. animals not commonly recognized as domesticated); farm animals (including saddle animals kept for pleasure use); lions, tigers, dangerous reptiles, birds of prey, and other exotic animals; any animal whose bite or touch is poisonous or toxic; etc. It is MUSA s position that if these types of animals are present; the policy is not to be written under ANY circumstances. MUSA will only accept coverage for risks that have domesticated animals kept as pets (e.g. house cats, gentle breeds of dogs, dogs with no history of biting, aquarium fish, small birds, etc.) In order to further clarify this position, MUSA deems the following breeds or types of dogs as per se dangerous, thereby rendering the risk ineligible to be written under any circumstances: Akita Chow Doberman Pinscher German Shepherd Pit Bull Presa Canario Rhodesian Ridgeback Rottweiler Staffordshire Terrier (or any of the large Terrier breeds that have descended from dogs bred for fighting) Wolf Hybrids Any mixed breed dog containing any of the above breeds, no matter what the percentage. Any dog weighing more than 100 pounds Any dog that has ever been trained as and/or used as a guard dog or attack dog Any dog that has ever been trained or used in military or police work Any dog belonging to a breed that was historically bred for fighting Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people. This is not an all-encompassing list. MUSA reserves the right to amend this list at any time. It is expected that all MUSA representatives and agents will exercise sound judgment and common sense in dealing with situations not specifically described above. In the event of any uncertainty or questions, MUSA s Underwriting Department should be contacted for clarification or further discussion. Modern USA Insurance Company Mobile Home Programs 22 MUSA 10/14

23 PRIVATE PROPERTY PROGRAM GUIDELINES (CONT.) SUBMIT FOR APPROVAL (DO NOT BIND) Applicant(s) with any losses except act of God within the last 5 years. Please provide the following information on each loss: type of loss, date of loss, cost of damages, details about loss. Applicant(s) which have been canceled, declined, or non-renewed due to specific risk deficiencies or unsatisfactory past loss history. A detailed explanation is required in order to review submitted application. ANIMAL LIABILITY EXCLUSION ENDORSEMENT APPLIES FOR ANY DOGS 30 POUNDS AND OVER. UNINSURABLE ADDITIONS Awnings or other attachments made of cloth or canvas Structures not of strong, durable material or not conforming to local building codes. Pool screen enclosures, greenhouses and satellite systems. INSURED DATE OF BIRTH AND SOCIAL SECURITY NUMBER MUST BE STATED ON ALL APPLICATIONS Modern USA Insurance Company Mobile Home Programs 23 MUSA 10/14

24 PRIVATE PROPERTY PROGRAM OPTIONAL COVERAGES AND DEDUCTIBLES OPTIONAL COVERAGES AND RATES ATTACHED STRUCTURES Territory I $1.26 / $100 Territory II $1.74 / $100 Territory III $1.74 / $100 Territory IV $1.82 / $100 Territory V $2.48 / $100 Territory VI $3.40 / $100 Territory VII $2.96 / $100 Territory VIII $1.64 / $100 UNATTACHED STRUCTURES $3.43 / $100 INCREASE PERSONAL PROPERTY $1.04 / $100 Not to exceed Cov. A EXCLUDE PERSONAL PROPERTY (Credit) BASE RATE X 4% INCREASE LIABILITY TO $ 50,000 $12.00 INCREASE MED PAY TO $1,000 $2.00 REPLACEMENT COST ON HOME $13.50 REPLACEMENT COST PERSONAL EFFECTS (BASE PREMIUM X 10%) OR $40.00 MINIMUM SEE PRIVATE PROPERTY UNDERWRITING DISCOUNTS FIRE SPRINKLER BASE RATE X 5% FIRE EXTINGUISHER / SMOKE ALARM BASE RATE X 5% WATER CONTROL DEVICE* - device designed to automatically detect leaks and shutoff water supply to mobile home when detecting continuous flow above the daily/normal use. Closes the master plumbing valve; or BASE RATE X 3% Closes the master plumbing device and activates a central station or direct alarm BASE RATE X 5% *Manufacture and Installer Certifications required for application of this discount MEMBERSHIP IN AARP, AAA or FMHO BASE RATE X 5% MOBILE HOMES WHICH MEET ANSI/ASCE 7-88 STANDARDS ADOPTED ON 7/13/94 BASE RATE X 9% RETIRED / OVER 50 BASE RATE X 5% COMPANION POLICY DISCOUNT BASE RATE X 5% (Insured purchases our mobile home and our flood policies) Maximum credit allowable is 15%. ANSI/ASCE "after 7/13/94" credit not included in maximum. DEDUCTIBLES $1,000 DEDUCTIBLE ON ALL OTHER PERILS INCLUDED $500 All Other Perils except water ($1,000 Water) BASE RATE X 2% Surcharge $500 All Other Perils BASE RATE X 5% Surcharge HURRICANE DEDUCTIBLES MANDATORY DEDUCTIBLE MAY BE REQUIRED IN CERTAIN COUNTIES Hurricane Deductible Credits/Surcharges $500 Deductible BASE RATE X 5% Surcharge 2% of Coverage "A" HURRICANE DEDUCTIBLE (Min. of $500) INCLUDED 5% of Coverage "A" HURRICANE DEDUCTIBLE BASE RATE X 7% Credit 10% of Coverage "A" HURRICANE DEDUCTIBLE BASE RATE X 12% Credit Maximum Credit Does Not Apply to Deductibles Changes available at inception or renewal only. Modern USA Insurance Company Mobile Home Programs 24 MUSA 01/12