Transmittal Header SERT 65FFR2015/00 00/00 00/00. Transmittal Header

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1 Transmittal Header SERT 65FFR2015/00 00/00 00/00 Transmittal Header SERT 65FFR2015/00 00/00 00/00 Created by Joyce Driscoll on 10/04/2004 Assigned To: Nelson Whitley, [Receiver] Company List: Hartford Underwriters Insuranc No value No value Sent: 10/04/ :12:47 AM Other Authors: David Logan, Rebecca Waldron TOI: 04.0 Homeowners SubTOI: Homeowners Sub TOI Combinations Filing Information: Filing Action: Initial Filing Date: 10/04/2004 State: North Carolina State Instance PC Identifier: State Domain: None Filing Type: Deviations Type of Insurance: 04.0 Homeowners Sub TOI: Homeowners Sub TOI Combinations Product Name: 7.5 Percent Rate and Rule for HUIC FN /RWG Implementation None Effective Date 12/01/2004 Date Requested: Requested: Project Name: 7.5 Percent Rate and Project #: None Rule Fee Required: No Fee Amount: Reference No Reference Org: None Filing: Reference #: None Advisory Org Circular #: None Components sent originally with filing: SERT 65FFR2015/00 01/00 00/00 SERT 65FFR2015/00 02/00 00/00 SERT 65FFR2015/00 03/00 00/00 Company Contact: Lead Company: Hartford Financial Services Group Incorporated Filing Company Info Hartford Underwriters Insurance Company Hartford Plaza, Hartford, CT USA Phone: FAX: None. CoCode: Group Code: 091 FEIN: State of Domicile: Connecticut State ID Number: None. Contact Info Joyce Driscoll Personal Lines Filing Analyst Hartford Financial Services Group Incorporated Hartford Plaza T 1 52, 690 Asylum Avenue, Hartford, CT USA Phone: Toll Free FAX: Joyce.Driscoll@thehartford.com Submission Requirements: Status Requirement Satisfied NAIC PC Uniform Transmittal Document Satisfied Deviation Questionnaire FC 038 Satisfied Cover Letter Property and Casualty Tracking Information: 1

2 Transmittal Header SERT 65FFR2015/00 00/00 00/00 Company Tracking FN /RWG State Tracking #: SPC #: Company Status: Initial Filing State Status: None Date Company 10/04/2004 Date State Status None Status Changed: Changed: SERFF Tracking SERT 65FFR2015/00 Delivery Date: 10/04/ :12:57 AM #: SERFF Status: Assigned to Reviewer Disposition Date: None Date SERFF 10/04/2004 Implementation Date: None Status Changed: Deemer Date: None Effective Date: None Reviewers: Nelson Whitley, [Receiver] Additional State Tracking Numbers Hartford Underwriters Insurance Company SPC State Specific Fields: No State Specific Fields present for this State. Filing Attached are the Explanatory Memorandum, Optional Coverage Page, OC 7 Description: and Rate Page, PLIC 1 and the Homeowners Review Requirements Checklist. File Attachments: NC EM HOME HU.pdf, NC HU HOME MANUAL PAGES.pdf, NC HU HOME CHECKLIST.pdf 2

3 HARTFORD UNDERWRITERS INSURANCE COMPANY NORTH CAROLINA HOMEOWNERS Explanatory Memorandum For the above-mentioned company, we are proposing the following changes effective December 1, RELATIVITY CURVES Building Forms: We are proposing a revision to our Building Forms Key Factors Curve (3) for territories 36, 38, 39, 44, 57, and PERSONAL PROPERTY, INCREASED LIMITS: We are proposing to adopt the bureau premium of $2 per $1,000 of additional insurance for Forms HO-2 and HO REVISED RATE AND MANUAL PAGES: Attached are the revised rate and manual pages impacted by the above-mentioned changes. A careful review of the proposed curves has determined that there are not any instances where the proposed curves for Hartford Underwriters Insurance Company exceed the Bureau curves. Prepared by Shannon Barber, Pricing Consultant Under the supervision of Jamie Mathews, Region Pricing Director

4 EFFECTIVE DECEMBER 1, 2004 NORTH CAROLINA HOMEOWNERS POLICY PROGRAM - 91 HARTFORD UNDERWRITERS INSURANCE COMPANY 514. OTHER STRUCTURES A. When insurance is written on a specific structure on the residence premises: 1. for increased limits; or 2. rented to others for residential purposes; the rates per $1,000 of insurance, noted below, shall apply separately to each structure. B. Increased Limits $4 per $1,000 of insurance. Use Endorsement HO-48 - Other Structures C. Rented to Others - Residence Premises Use the sum of: 1. $5 per $1,000 of insurance; and 2. the premium for the increased Coverages E and F exposure, as developed from Section II Coverages of this manual. Use Endorsement HO-40 Structures Rented to Others - Residence Premises D. Off-Premises Structures 1. Under Forms HO-2 and HO-3, the policy automatically provides Coverage B - Other Structures at 10% of Coverage A on a blanket basis to structures located on the residence premises. This blanket coverage may be endorsed to expand coverage to include structures located away from the residence premises if used in connection with the residence premises. Premium $15 Use Endorsement HO-600 Coverage B - Off-Premises. 2. All Forms - When insurance is written on a specific structure located away from the residence premises, the rate per $1,000 of insurance of $5 shall apply separately to each location. Use Endorsement HO-601 Specific Structures Away From Residence Premises 515. PERSONAL PROPERTY A. Increased Limit The limit of liability for Coverage C may be increased. The additional premium per $1,000 of insurance shall be: HO-2 or HO-3 $2 HO-3 with HO-15 $3 B. Increased Limits - Other Residences Coverage for personal property at other residences is limited in the policy form to 10% of Coverage C or $1,000, whichever is greater. This limit may be increased. The additional premium shall be $7 per $1,000 of additional insurance. Use Endorsement HO-50 - Increased Limits on Personal Property in Other Residences INCLUDES COPYRIGHTED MATERIAL OF INSURANCE SERVICES OFFICE OC - 7

5 NORTH CAROLINA (32) H O M E O W N E R S HARTFORD UNDERWRITERS INSURANCE COMPANY KEY FACTORS (1) (2) (3) Coverage Terr. Terr. Terr. A 5,6,42, 32,34,41 36,38,39 BASE CLASS PREMIUM TABLE Amount ,53 44,57,60 $250 Deductible Base 10, , Terr. HO-3 Curve 14, (1) 16, (1) 18, (2) 20, (2) 22, (3) 24, (3) 26, (3) 28, (2) 30, (1) 32, (1) 34, (3) 36, (2) 38, (2) 40, (2) 42, (2) 44, (3) 46, (3) 48, , , , CLASSIFICATION TABLES 65, All Forms Except HO-4 & HO-6 70, , , (1) Form Factors 85, , HO , HO , HO-3 w/ho , HO , , , (2) Protection/ 150, Construction Factors 160, , Prot. 180, Class Frame Masonry 190, , , , ,9E,9S , , , , , , , , , , , , , Each Add l 10, EFFECTIVE December 1, 2004 PLIC-1

6 Company Name: NAIC # Review Requirements Checklist Homeowners REVIEW REQUIREMENTS REFERENCE COMMENTS FORMS Applications Pricing Prior Approval Department/Bureau All applications must be filed with the Department of Insurance for approval prior to Agreement implementation. REFERENCE Form/Page/Para Arbitration This is under the jurisdiction of the North Carolina Rate Bureau. Bankruptcy Provision This is under the jurisdiction of the North Carolina Rate Bureau. Cancellation & Nonrenewal Notice of Cancellation Policy Provisions /Nonrenewal Notices for all cancellations to be filed with the Commissioner. All cancellation notices, excluding reasons of non-payment, must include knowledge of the availability of the North Carolina Joint Underwriting Association (FAIR PLAN) or the North Carolina Insurance Underwriting Association (BEACH PLAN). Filing Standards This is under the jurisdiction of the North Carolina Rate Bureau. Liberalization Clause This is under the jurisdiction of the North Carolina Rate Bureau. Loss Settlement This is under the jurisdiction of the North Carolina Rate Bureau. RATING Pricing Deviation NCGS (a) A downward deviation from the North Carolina Rate Bureau approved rates is permitted. Rating Plan Requirements 05/22/ :02 PM

7 Company Name: NAIC # Review Requirements Checklist Homeowners REVIEW REQUIREMENTS REFERENCE COMMENTS This is under the jurisdiction of the North Carolina Rate Bureau. REFERENCE Form/Page/Para General Filing References Deviation Questionnaire NCGS Deviation Questionnaire (FC-038) must be fully completed and signed. (a) A separate signed statement must accompany the filing proposing the deviation is based on sound actuarial principles. Consent to Rate T11 NCAC (a) An initial (first-time) application for consent to rate, subject to Article 40 of NCGS 58, rates in excess of a licensed rating organization or by a company shall contain the following: (1) description of risk, amount of coverage, property insured, and other factor used for rating (2) rate and premium that would be charged without consent to rate (3) proposed rate and premium (4) percent increase; rate charged can not exceed 250% of rate that would be charged without consent to rate. (5) Name and address of insurer, writing agent, and insured (6) Effective date of proposed rate (7) Policy period (8) Policy number (9) Letter signed by insured acknowledging and consenting to proposed rate. If coverage for specific risk is written on consent to rate is available through residual market (FAIR Plan, BEACH Plan, NCRF, NCWCIP, statement must be signed by the insured. (10)Letter signed by insured shall be retained in insurer s office **A detailed reason or explanation as to why a requirement is not applicable must be given for those requirements referenced by N/A. The Property & Casualty Division checklist is intended to expedite the Department s overall review time of all filings. The checklist serves as a basic guide to assist the Industry in preparation of all filings prior to submission. The checklist is not a substitute for Departmental review. All filings must comply with State Insurance Law. 05/22/ :02 PM

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9 Component Header SERT 65FFR2015/00 01/00 00/00 Component Header Component 01 Rev 00 Created by Joyce Driscoll on 10/04/2004 Assigned To: Nelson Whitley, [Receiver] Company List: Hartford Underwriters Insuranc Sent: 10/04/ :12:47 AM Other Authors: David Logan, Rebecca Waldron TOI: 04.0 Homeowners SubTOI: Homeowners Sub TOI Combinations Tracking Information: State: North Carolina State Tracking #: SPC SERFF Tracking #: SERT 65FFR2015/00 01/00 00/00 Component Status None Component Status Assigned to Reviewer (State): (SERFF): Disposition Date: None Delivery Date: 10/04/ :12:59 AM Implementation None Reviewer: Nelson Whitley, [Receiver] Date: Deemer Date: None Reviewer Phone: None Effective Date: None Reviewer Fax: None Requirement Status: None Primary Reviewer: Nelson Whitley Component Information: Component Type: Supporting Component Action: Initial Documentation Lead Form Number: None State Specific Code: None Requirement NAIC PC Uniform Transmittal Document Satisfied: Brief Description: Attached is the PCTransmittal and the Rate/Rule Filing Schedule. Filer's Notes: None Document(s): None Company Contact: Lead Company: Hartford Financial Services Group Incorporated Company Information Hartford Underwriters Insurance Company Contact Driscoll, Joyce File Attachments: NC FILING TRANSMITTAL HU Home Rate.pdf, NC RATES RULES TRANSMITTAL HU RR Home.pdf 1

10 Effective January 1, 2003 Property & Casualty Transmittal Document 1. Reserved for Insurance Dept. Use Only 2. Insurance Department Use Only a. Date the filing is received: b. Analyst: c. Disposition: d. Date of disposition of the filing: e. Effective date of filing: f. State Filing #: g. SERFF Filing #: 3. Group Name Group NAIC # Hartford Financial Services Group Company Name(s) Domicile NAIC # FEIN # Hartford Underwriters Ins. Co. Connecticut Company Tracking Number FN /RWG Contact Info for Filer(s) or Corporate Officer(s) [include toll-free number] 6. Name and address of Filer(s) Telephone # FAX # Joyce Driscoll (860) (860) Joyce.Driscoll The Hartford, Technical Services, Hartford Plaza, Hartford, CT (860) 547- (860) Hartford Plaza, Hartford, CT Signature of authorized filer 8. Please print name of authorized filer Joyce Driscoll Filing information (see General Instructions for descriptions of these fields) 9. Type of Insurance (TOI) 04 Homeowners 10. Sub-Type of Insurance (Sub-TOI) Homeowners Multi-Peril 11. State Specific Product code(s) (if applicable)[see State Specific Requirements] P/C 12. Company Program Title (Marketing title) Mature Market 13. Filing Type [ ] Rate/Loss Cost [ ] Rules [ X ] Rates/Rules [ ] Forms [ ] Combination Rates/Rules/Forms [ ] Withdrawal [ ] Other (give description) 14. Effective Date(s) Requested New: 12/1/04 Renewal: 15. Reference Filing? [ ] Yes [ X ] No 16. Reference Organization (if applicable) N/A 17. Reference Organization # & Title N/A 18. Company's date of Filing October 4, Status of filing in domicile [ X ] Not Filed [ ] Pending [ ] Authorized [ ] Disapproved PC TD-1 pg 1 of 2

11 Property & Casualty Transmittal Document 20. This filing transmittal is part of Company Tracking # FN /RWG Filing Description [This areas should be similar to the body of a cover letter and is free-form text] We herewith submit for approval an overall rate change +7.5% as described in the Explanatory Memorandum and shown on the manual Optional Coverage Page, OC-7 and Rate Page, PLIC-1. As required, enclosed is the cover letter, Rate/Rule Filing Schedule and the Deviation Questionnaire, FC Filing Fees (Filer must provide check # and fee amount if applicable) [If a state requires you to show how you calculater your filing fees, place that calculation below] Check #: Amount: N/A N/A Calculation: Refer to each state's checklist for additional state specific requirements on calculating fees. *** Refer to the each state's checklist for additional state specific requirements (i.e. # of additional copies required, other state specific forms, etc.) PC TD-1 pg 2 of 2

12 Effective January 1, 2003 RATE/RULE FILING SCHEDULE (This form must be provided ONLY when making a filing that includes rate-related items such as Rate; Rule; Rate & Rule; Reference; Loss Cost; Loss Cost & Rule or Rate, etc.) (Do not refer to the body of the filing for the component/exhibit listing.) 1. This filing transmittal is part of Company Tracking # FN /rWG This filing corresponds to form filing number (Company tracking number of form filing, if applicable) X Rate Increase Rate Decrease Rate Neutral (0%) 3. Overall percentage rate impact for this filing +7.5% 4. Effect of Rate Filing - Written premium change for this program $632, Effect of rate Filing - Number of Policyholders 17, Filing Method (Prior Approval, File & Use, Flex Band, etc.) Prior Approval 7. Rate Change by Company Company Name Percentage Change Effect of Rate Filing # of policyholders Written premium for this program change for this program Hartford Underwriters Ins. Co. +7.5% 17,742 $632, Overall percentage of last rate revision +8.2% 9. Effective Date of last rate revision 8/15/ Filing Method of Las filing (Prior Approval, File & Use, Flex Band, etc.) Prior Approval Exhibit Name/Description Rule # or Page # Replacement Previous state 11. /Synopsis or Withdrawn? filing number if required by state Optional Coverage Manual Page OC-7 X Replacement 01 Withdrawn Neither N/A X Replacement 02 Rate Page PLIC-1 Withdrawn Neither SPC Replacement 03 Withdrawn Neither Replacement 04 Withdrawn Neither Replacement 05 Withdrawn Neither To be complete, a rate/rule filing must include the following: 1. A completed Rate/Rule Filing Transmittal document (PC RRFS-1) (Do not refer to the body of the filing for the component/exhibit listing.) and, 2. A completed Property & Casualty Transmittal Document (PC-TD-1) and, 3. One copy of all rate/rule components/exhibits submitted with the filing, and 4. The appropriate state review requirements, if required, and 5. The appropriate filing fees, if required, and 6. A postage-paid, self-addressed envelope large enough to accommodate the return 7. You should refer to each state's checklist for additional state specific requirements (i.e. # of additional copies required, other state specific forms, etc.) PC RRFS-1 pg 1 of 1

13 Component Header SERT 65FFR2015/00 02/00 00/00 Component Header Component 02 Rev 00 Created by Joyce Driscoll on 10/04/2004 Assigned To: Nelson Whitley, [Receiver] Company List: Hartford Underwriters Insuranc Sent: 10/04/ :12:47 AM Other Authors: David Logan, Rebecca Waldron TOI: 04.0 Homeowners SubTOI: Homeowners Sub TOI Combinations Tracking Information: State: North Carolina State Tracking #: SPC SERFF Tracking #: SERT 65FFR2015/00 02/00 00/00 Component Status None Component Status Assigned to Reviewer (State): (SERFF): Disposition Date: None Delivery Date: 10/04/ :13:00 AM Implementation None Reviewer: Nelson Whitley, [Receiver] Date: Deemer Date: None Reviewer Phone: None Effective Date: None Reviewer Fax: None Requirement Status: None Primary Reviewer: Nelson Whitley Component Information: Component Type: Supporting Component Action: Initial Documentation Lead Form Number: None State Specific Code: None Requirement Satisfied: Deviation Questionnaire FC 038 Brief Description: Attached is the HUIC Deviation Questionnaire, FC 038. Filer's Notes: None Document(s): None Company Contact: Lead Company: Hartford Financial Services Group Incorporated Company Information Hartford Underwriters Insurance Company Contact Driscoll, Joyce File Attachments: NC HU HOME DEVIATION QUESTIONNAIRE FC038.pdf 1

14 NORTH CAROLINA DEPARTMENT OF INSURANCE DEVIATION QUESTIONNAIRE FOR DEPT. USE ONLY NCDOI FILE # A. GENERAL DESCRIPTION ( 1 ) NAME OF COMPANY Hartford Underwriters Insurance Company ( 2 ) FILER'S FEDERAL EMPLOYER # ( 3 ) FILER'S FILE # FN /RWG ( 4 ) LINE OF INSURANCE Homeowners ( 5 ) SUBLINE/PROGRAM TITLE (IF APPLICABLE) Mature Market ( 6 ) PREVIOUS DEPARTMENT FILE # (IF APPLICABLE) ( 7 ) PROPOSED EFFECTIVE DATE AND RULES OF IMPLEMENTATION (Note: no retroactive effective dates will be given) December 1, 2004 B. IMPACT OF THE AGGREGATE DEVIATION ( 8 ) COMPANY'S N.C. VOLUME OF BUSINESS FOR THE LINE: WRITTEN PREMIUM: $ 8,437,966 EXPOSURES 17,742 ( 9 ) COMPANY'S N.C. MARKET SHARE BASED ON WRITTEN PREMIUM: 1.2 % ( 10 ) COMPANY'S CURRENT COUNTRYWIDE VOLUME OF BUSINESS FOR THE LINE: WRITTEN PREMIUM: $ 166,658,092 EXPOSURES: 287,172 ( 11 ) ESTIMATED NUMBER OF N.C. EXPOSURES AFFECTED BY ONE OR MORE COMPONENTS OF THE AGGREGATE DEVIATION: CURRENT DEVIATION: 16,642 PROPOSED DEVIATION: 16,642 ( 12 ) PERCENTAGE OF COMPANY'S N.C. EXPOSURES AFFECTED BY ONE OR MORE COMPONENTS OF THE AGGREGATE DEVIATION: CURRENT DEVIATION: 93.8 % PROPOSED DEVIATION: 93.8 % ( 13 ) WHAT IS THE TOTAL DOLLAR AMOUNT OF PREMIUMS THAT WILL NOT BE COLLECTED ON THE PROPOSED DEVIATION ON AN ANNUAL BASIS AS A RESULT OF THIS DEVIATION $ 2,268,088 FC-038 (03/01/02) PAGE 1 OF 3

15 ( 14 ) WHAT IS THE AVERAGE DOLLAR DIFFERENCE PER EXPOSURE FROM MANUAL RATES? $ 128 ( 15 ) INDICATE THE MAXIMUM CUMULATIVE DISCOUNT FOR ANY ONE INSURED. CURRENT DEVIATION: 2, % PROPOSED DEVIATION: 2, % 4, , ( 16 ) INDICATE WHETHER THE DEVIATION MAY PRODUCE A PREMIUM GREATER THAN MANUAL FOR AN INDIVIDUAL INSURED: CURRENT DEVIATION YES NO X PROPOSED DEVIATION YES NO X ( 17 ) IF EITHER ANSWER TO ( 16 ) IS YES, PROVIDE AN EXPLANATION: C. DEVIATION COMPONENTS ( 18 ) PROVIDE A LIST OF ALL THE INDIVIDUAL DEVIATION COMPONENTS. IDENTIFY EACH COMPONENT AS INTRODUCED AS PART OF A NEW DEVIATION ( I ), ADDED TO A CURRENT DEVIATION ( A ), CHANGED ON A CURRENT DEVIATION ( C ), NOT CHANGED ON A CURRENT DEVIATION ( NC ), OR ELIMINATED FROM A CURRENT DEVIATION ( E ). ATTACH A SEPARATE EXCEPTION PAGE FOR EACH COMPONENT EXPLAINING HOW THAT COMPONENT IS TO BE APPLIED. 1) Age of Dwelling (Exhibit 1) NC 2) Limited Access Credit Forms 4,6 (Exhibit 2) NC 3) Protective Devices (Exhibit 3) NC 4) Personal Property - Increased Limits (Exhibit 4) E 5) Mature Retirees Credit (Exhibit 5) NC 6) Deviation by Amounts of Insurance (Exhibit 6) C 7) Premium Computation for HO-4 and HO-6 (Exhibit 7) NC 8) Account Credit (Exhibit 8) NC 9) Replacement Cost Contents (Exhibit 9) NC 10) Renewal Credit (Exhibit 10) NC 11) Add'l Amounts of Insurance HO-2, HO-3 (Exhibit 11) NC 12) Minimum Limits of Liability (Exhibit 12) NC 13) 14) 15) FC-038 (03/01/02) PAGE 2 OF 3

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17 E. SUPPLEMENT FOR DEVIATION COMPONENT NUMBER # 4 FROM QUESTION (18) OF THE DEVIATION QUESTIONNAIRE COMPLETE THIS SUPPLEMENT FOR EACH COMPONENT. ( 1 ) TYPE OF DEVIATION COMPONENT: (CHECK ONE ONLY) X UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS FOR CERTAIN COVERAGES UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS IN PARTICULAR CLASSES FOR CERTAIN COVERAGES UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS IN PARTICULAR TERRITORIES FOR CERTAIN COVERAGES UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS WHO HAVE BEEN LOSS-FREE FOR A CERTAIN LENGTH OF TIME UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS WHO MEET CERTAIN UNDERWRITING CRITERIA UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS PURCHASING ANOTHER LINE OF INSURANCE UNIFORM PERCENTAGE DECREASE FOR DRIVERS FIFTY-FIVE AND OLDER UNIFORM PERCENTAGE CREDITS FOR NEW HOMES CHANGE IN CLASS RELATIVITIES CHANGE IN TERRITORIAL RELATIVITIES CHANGE IN DEDUCTIBLE CREDITS CREDITS FOR SAFETY DEVICES ADDITIONAL COVERAGE PROVIDED AT NO ADDITIONAL COST OTHER ( 2 ) TYPE OF ACTION: COMPONENT OF NEW DEVIATION TO BE INTRODUCED ( I ) COMPONENT ADDED TO CURRENT DEVIATION ( A ) COMPONENT OF CURRENT DEVIATION THAT IS TO BE CHANGED ( C ) X COMPONENT TO BE ELIMINATED FROM CURRENT DEVIATION ( E ) FC-038 (03/01/02) PAGE 1 OF 2

18 ( 3 ) PROVIDE A DESCRIPTION OF THE DEVIATION COMPONENT (IF CHANGING A CURRENT COMPONENT, ALSO DESCRIBE THE CHANGES): Forms 2,3:Revision to Personal Property - Increased Limits from $1 to $2 to eliminate deviation (Exhibit 4) ( 4 ) IF INTRODUCING, ADDING, OR CHANGING A DEVIATION COMPONENT, PROVIDE THE NAMES OF COMPANIES (OF WHICH YOU ARE AWARE) THAT HAVE FILED A SIMILAR DEVIATION COMPONENT IN NORTH CAROLINA: ( 5 ) IF INTRODUCING, ADDING, OR CHANGING A DEVIATION COMPONENT, INDICATE WHICH ONES OF THE FOLLOWING EXPLAIN YOUR ACTION: (YOU MAY CHECK MORE THAN ONE) COUNTRYWIDE INDUSTRY STATISTICAL EXPERIENCE THAT HAS BEEN ATTACHED COUNTRYWIDE COMPANY STATISTICAL EXPERIENCE THAT HAS BEEN ATTACHED N.C. INDUSTRY STATISTICAL EXPERIENCE THAT HAS BEEN ATTACHED FC-038 (03/01/02) PAGE 2 OF 2

19 E. SUPPLEMENT FOR DEVIATION COMPONENT NUMBER # 6 FROM QUESTION (18) OF THE DEVIATION QUESTIONNAIRE COMPLETE THIS SUPPLEMENT FOR EACH COMPONENT. ( 1 ) TYPE OF DEVIATION COMPONENT: (CHECK ONE ONLY) X UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS FOR CERTAIN COVERAGES UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS IN PARTICULAR CLASSES FOR CERTAIN COVERAGES UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS IN PARTICULAR TERRITORIES FOR CERTAIN COVERAGES UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS WHO HAVE BEEN LOSS-FREE FOR A CERTAIN LENGTH OF TIME UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS WHO MEET CERTAIN UNDERWRITING CRITERIA UNIFORM PERCENTAGE CHANGE FOR ALL INSUREDS PURCHASING ANOTHER LINE OF INSURANCE UNIFORM PERCENTAGE DECREASE FOR DRIVERS FIFTY-FIVE AND OLDER UNIFORM PERCENTAGE CREDITS FOR NEW HOMES CHANGE IN CLASS RELATIVITIES CHANGE IN TERRITORIAL RELATIVITIES CHANGE IN DEDUCTIBLE CREDITS CREDITS FOR SAFETY DEVICES ADDITIONAL COVERAGE PROVIDED AT NO ADDITIONAL COST OTHER ( 2 ) TYPE OF ACTION: COMPONENT OF NEW DEVIATION TO BE INTRODUCED ( I ) COMPONENT ADDED TO CURRENT DEVIATION ( A ) X COMPONENT OF CURRENT DEVIATION THAT IS TO BE CHANGED ( C ) COMPONENT TO BE ELIMINATED FROM CURRENT DEVIATION ( E ) FC-038 (03/01/02) PAGE 1 OF 2

20 ( 3 ) PROVIDE A DESCRIPTION OF THE DEVIATION COMPONENT (IF CHANGING A CURRENT COMPONENT, ALSO DESCRIBE THE CHANGES): Forms 2,3: Revision of Deviations by Amount of Insurance for Territories 36, 38, 39, 44, 57, & 60 (Exhibit 6) ( 4 ) IF INTRODUCING, ADDING, OR CHANGING A DEVIATION COMPONENT, PROVIDE THE NAMES OF COMPANIES (OF WHICH YOU ARE AWARE) THAT HAVE FILED A SIMILAR DEVIATION COMPONENT IN NORTH CAROLINA: ( 5 ) IF INTRODUCING, ADDING, OR CHANGING A DEVIATION COMPONENT, INDICATE WHICH ONES OF THE FOLLOWING EXPLAIN YOUR ACTION: (YOU MAY CHECK MORE THAN ONE) COUNTRYWIDE INDUSTRY STATISTICAL EXPERIENCE THAT HAS BEEN ATTACHED COUNTRYWIDE COMPANY STATISTICAL EXPERIENCE THAT HAS BEEN ATTACHED N.C. INDUSTRY STATISTICAL EXPERIENCE THAT HAS BEEN ATTACHED FC-038 (03/01/02) PAGE 2 OF 2

21 NORTH CAROLINA EXCEPTION PAGE HOMEOWNERS POLICY PROGRAM HARTFORD UNDERWRITERS INSURANCE COMPANY EXHIBIT 1 AGE OF DWELLING CREDIT Age of Factor Applied Age of Factor Applied Dwg. to Basic Prem. Dwg. to Basic Prem

22 NORTH CAROLINA EXCEPTION PAGE HOMEOWNERS POLICY PROGRAM HARTFORD UNDERWRITERS INSURANCE COMPANY EXHIBIT 2 LIMITED ACCESS CREDIT FORM - HO-4 & HO-6 When an apartment or condominium is located in a building or enclosed (fenced) complex which is protected 24 hours a day by a uniformed guard or guards who 1) monitor all entrances and exits, or 2) regularly patrol the premises, a 10% credit shall be received by applying a factor of.90.

23 NORTH CAROLINA EXCEPTION PAGE HOMEOWNERS POLICY PROGRAM HARTFORD UNDERWRITERS INSURANCE COMPANY EXHIBIT 3 PROTECTIVE DEVICES PREMIUM CREDITS - ALL FORMS The following premium credits may be allowed for an approved and properly maintained burglar alarm, fire alarm or automatic sprinkler system installed in a dwelling: CREDIT a. Local Burglar Alarm.98 b. Local Fire and/or Smoke Alarm.98 c. Dead Bolt Locks on all exterior doors.98 d. Fire Alarm reporting to a Fire Department.93 e. Burglar Alarm reporting to a Police Department.93 f. Fire Alarm reporting to a Central Station.90 g. Burglar Alarm reporting to a Central Station.90 h. Automatic Sprinkler System with sprinklers in all areas.85 including bathrooms, attics and attached structures i. Automatic Sprinkler System with sprinklers totally or.92 partly omitted in bathrooms, closets, attics and attached structures and with fire detectors in all areas where sprinklers are omitted If a risk qualifies for more than one of the above credits, the credits may be added together to a maximum Protective Devices credit of 20%. Use Endorsement HO Premises Alarm or Fire Protection System

24 NORTH CAROLINA EXCEPTION PAGE HOMEOWNERS POLICY PROGRAM HARTFORD UNDERWRITERS INSURANCE COMPANY EXHIBIT 4 PERSONAL PROPERTY Personal Property - Paragraph A. Increased Limit on the State Page is replaced by the following: A. Increased Limit The limit of liability for Coverage C may be increased. The additional premium per $1,000 of insurance shall be: HO-2 or HO-3 $2 HO-3 with HO-15 $3

25 NORTH CAROLINA EXCEPTION PAGE HOMEOWNERS POLICY PROGRAM HARTFORD UNDERWRITERS INSURANCE COMPANY EXHIBIT 5 MATURE RETIREES CREDIT If the following criteria are met, apply a factor of.95 in accordance with the Premium Computation Rule 816. a. One of the Named Insureds is age 50 or older and; b. Neither the Named Insured nor spouse, if any, are employed full time* and; c. The Residence Premises is the Principal Residence of the Named Insured. *NOTE: Full time is defined as any person working 24 or more hours per week.

26 NORTH CAROLINA HOMEOWNERS RELATIVITY CURVE HARTFORD UNDERWRITERS INSURANCE COMPANY Exhibit 6a CURVE 1 - TERRITORIES: 5, 6, 42, 43 Amount of Bureau CURRENT % Off Insurance Curve Curve Bureau 10, % 12, % 14, % 16, % 18, % 20, % 22, % 24, % 26, % 28, % 30, % 32, % 34, % 36, % 38, % 40, % 42, % 44, % 46, % 48, % 50, % 55, % 60, % 65, % 70, % 75, % 80, % 85, % 90, % 95, % 100, % 110, % 120, % 130, % 140, % 150, % 160, % 170, % 180, % 190, % 200, % 210, % 220, % 230, % 240, % 250, % 260, % 270, % 280, % 290, % 300, % 310, % 320, % 330, % 340, % 350, % Each Add l 10, %

27 NORTH CAROLINA HOMEOWNERS RELATIVITY CURVE HARTFORD UNDERWRITERS INSURANCE COMPANY Exhibit 6b CURVE 2 - TERRITORIES: 32, 34, 41, 45-47, 53 Amount of Bureau CURRENT % Off Insurance Curve Curve Bureau 10, % 12, % 14, % 16, % 18, % 20, % 22, % 24, % 26, % 28, % 30, % 32, % 34, % 36, % 38, % 40, % 42, % 44, % 46, % 48, % 50, % 55, % 60, % 65, % 70, % 75, % 80, % 85, % 90, % 95, % 100, % 110, % 120, % 130, % 140, % 150, % 160, % 170, % 180, % 190, % 200, % 210, % 220, % 230, % 240, % 250, % 260, % 270, % 280, % 290, % 300, % 310, % 320, % 330, % 340, % 350, % Each Add l 10, %

28 NORTH CAROLINA HOMEOWNERS RELATIVITY CURVE HARTFORD UNDERWRITERS INSURANCE COMPANY Exhibit 6c CURVE 3 - TERRITORIES: 36, 38, 39, 44, 57, 60 Amount of Bureau CURRENT % Off Insurance Curve Curve Bureau 10, % 12, % 14, % 16, % 18, % 20, % 22, % 24, % 26, % 28, % 30, % 32, % 34, % 36, % 38, % 40, % 42, % 44, % 46, % 48, % 50, % 55, % 60, % 65, % 70, % 75, % 80, % 85, % 90, % 95, % 100, % 110, % 120, % 130, % 140, % 150, % 160, % 170, % 180, % 190, % 200, % 210, % 220, % 230, % 240, % 250, % 260, % 270, % 280, % 290, % 300, % 310, % 320, % 330, % 340, % 350, % Each Add l 10, %

29 NORTH CAROLINA HOMEOWNERS RELATIVITY CURVE HARTFORD UNDERWRITERS INSURANCE COMPANY Exhibit 6d CURVE 1 - TERRITORIES: ALL TERRITORIES FORM HO-4 Amount of Bureau CURRENT % Off Insurance Curve Curve Bureau 6, % 7, % 8, % 9, % 10, % 11, % 12, % 13, % 14, % 15, % 16, % 17, % 18, % 19, % 20, % 21, % 22, % 23, % 24, % 25, % 26, % 27, % 28, % 29, % 30, % 31, % 32, % 33, % 34, % 35, % 36, % 37, % 38, % 39, % 40, % Each Add l 10, % 1, %

30 NORTH CAROLINA HOMEOWNERS RELATIVITY CURVE HARTFORD UNDERWRITERS INSURANCE COMPANY Exhibit 6e CURVE 1 - TERRITORIES: ALL TERRITORIES FORM HO-6 Amount of Bureau CURRENT % Off Insurance Curve Curve Bureau 6, % 7, % 8, % 9, % 10, % 11, % 12, % 13, % 14, % 15, % 16, % 17, % 18, % 19, % 20, % 21, % 22, % 23, % 24, % 25, % 26, % 27, % 28, % 29, % 30, % 31, % 32, % 33, % 34, % 35, % 36, % 37, % 38, % 39, % 40, % Each Add l 10, % 1, %

31 NORTH CAROLINA EXCEPTION PAGE HOMEOWNERS POLICY PROGRAM HARTFORD UNDERWRITERS INSURANCE COMPANY EXHIBIT 7 PREMIUM COMPUTATION - FORMS HO-4 AND 6 Premium Computation - Forms HO-4 and HO-6 - The applicable North Carolina Rating Bureau premium shall be multiplied by a factor of.70.

32 NORTH CAROLINA EXCEPTION PAGE HOMEOWNERS POLICY PROGRAM HARTFORD UNDERWRITERS INSURANCE COMPANY EXHIBIT 8 ACCOUNT CREDIT If the insured has a Personal Automobile Policy written in the AARP Automobile Insurance Program and live in territories 36, 38, 39, 44, 57 or 60 apply a factor of.95 in accordance with Rule 816.

33 NORTH CAROLINA EXCEPTION PAGE HOMEOWNERS POLICY PROGRAM HARTFORD UNDERWRITERS INSURANCE COMPANY EXHIBIT 9 PERSONAL PROPERTY (COVERAGE C) REPLACEMENT COST COVERAGE, H0-290 The policy may be endorsed to provide Replacement Cost Coveage on Coverage C. If endorsed, rate as follows: Forms HO-2, HO-3 and HO-3 with HO-15 Add: Manual charge to increase the Coverage C limit to 70% of Coverage A. Add: A 2% surcharge to the adjusted total base premium (including the additional premium for the increased Coverage C limit). Forms HO-4 and HO-6 Add: Manual charge to increase the Coverage C limit to $12,000, if limit is less than $12,000. Add: A 40% surcharge to the adjusted total base premium (including the additional premium for the increased Coverage C limit). This surcharge shall be applied to the Total Adjusted Basic Premium before credit for optional higher deductible is applied. For all forms, the minimum additional premium is $20.

34 NORTH CAROLINA EXCEPTION PAGE HOMEOWNERS POLICY PROGRAM HARTFORD UNDERWRITERS INSURANCE COMPANY EXHIBIT 10 RENEWAL CREDIT The applicable premium shall be reduced as follows: Factor Applied Credit to Basic Premium New Business 0% 1.00 First Renewal 1.99 Second Renewal 2.98 Third Renewal 3.97 Fourth Renewal 4.96 Fifth and all subsequent 5.95 renewals Maximum Credit 5.95

35 NORTH CAROLINA EXCEPTION PAGE HOMEOWNERS POLICY PROGRAM HARTFORD UNDERWRITERS INSURANCE COMPANY EXHIBIT ADDITIONAL AMOUNTS OF INSURANCE - FORMS HO-2 AND HO-3 A. The policy provides loss settlement for buildings insured under Coverage A or B on a replacement cost basis without deduction for depreciation, if, at the time of loss, the amount of insurance on the damaged building is 80% or more of the replacement cost of the building immediately before the loss. B. The policy may be endorsed to provide additional insurance for Coverage A only or for Coverages A, B, C, and D when loss, to the dwelling building, exceeds the limit of liability shown in the policy declarations. C. When either of the following options is selected, the Coverage A limit of liability shall be at least 100% of the full replacement cost of the dwelling building at policy inception or at the time the endorsement is added to the policy: 1. Specified Additional Amount of Insurance for Coverage A Only a. An additional amount of insurance equal to 25% or 50% of the Coverage A limit of liability may be selected. This additional amount is available when loss to the dwelling building exceeds the Coverage A limit of liability shown in the declarations. This additional amount cannot be applied to any other coverage nor does it increase the Coverage A limit. b. The premium for this option is shown below: Additional Amount of Insurance Options Rate 25% $1 50% $2 Use Endorsement HO-611NC, Specified Additional Amount of Insurance for Coverage A Only. 2. Additional Limits of Liability for Coverages A, B, C, and D a. This option differs from C.1. above in that the Coverage A limit of liability is increased, after a loss, to the amount necessary to repair or replace the damaged or destroyed dwelling building. The limits of liability for Coverages B, C, and D will also be increased by the same percentage applied to the Coverage A limit When a loss payment, for the dwelling building, does exceed the Coverage A limit, the policy is endorsed retroactive to the date of loss to the limit needed to settle the loss. b. The premium is $3. Use Endorsement HO-500NC, Additional Limits of Liability for Coverages A, B, C, and D. There would be no instances where the premium charge for this rule would be higher than the Rate Bureau when applying the above charges.

36 EXHIBIT 12 NORTH CAROLINA EXCEPTION PAGE HOMEOWNERS POLICY PROGRAM HARTFORD UNDERWRITERS INSURANCE COMPANY MINIMUM LIMITS OF LIABILITY The Minimum Limits of Liability for Section I Property displayed on page HO-C-1 of the North Carolina Homeowners Policy Program Manual Classification Pages are not applicable to Forms HO-2, HO-3 or HO-8.

37 Component Header SERT 65FFR2015/00 03/00 00/00 Component Header Component 03 Rev 00 Created by Joyce Driscoll on 10/04/2004 Assigned To: Nelson Whitley, [Receiver] Company List: Hartford Underwriters Insuranc Sent: 10/04/ :12:47 AM Other Authors: David Logan, Rebecca Waldron TOI: 04.0 Homeowners SubTOI: Homeowners Sub TOI Combinations Tracking Information: State: North Carolina State Tracking #: SPC SERFF Tracking #: SERT 65FFR2015/00 03/00 00/00 Component Status None Component Status Assigned to Reviewer (State): (SERFF): Disposition Date: None Delivery Date: 10/04/ :13:01 AM Implementation None Reviewer: Nelson Whitley, [Receiver] Date: Deemer Date: None Reviewer Phone: None Effective Date: None Reviewer Fax: None Requirement Status: None Primary Reviewer: Nelson Whitley Component Information: Component Type: Supporting Component Action: Initial Documentation Lead Form Number: None State Specific Code: None Requirement Cover Letter Property and Casualty Satisfied: Brief Description: Attached is the cover letter. Filer's Notes: None Document(s): None Company Contact: Lead Company: Hartford Financial Services Group Incorporated Company Information Hartford Underwriters Insurance Company Contact Driscoll, Joyce File Attachments: NC LTR HU HOME RATE_1.pdf 1

38 October 4, 2004 Commissioner of Insurance Department of Insurance Dobbs Building 430 N. Salisbury Street Raleigh, NC Attn: Charles A. Swindell Deputy Commissioner P. & C. Div. Dear Sir: RE: Homeowners Multi-Peril Deviation Our Filing Number: FN /RWG Hartford Underwriters Insurance Company The Hartford Underwriters Insurance Company wishes to deviate from the North Carolina Rate Bureau Homeowners Multi-Peril as follows: 1. Age of Dwelling (Exhibit 1) 2. Limited Access Credit Forms 4,6 (Exhibit 2) 3. Protective Devices (Exhibit 3) 4. Personal Property Increased Limits (Exhibit 4) 5. Mature Retirees Credit (Exhibit 5) 6. Deviation by Amounts of Insurance (Exhibit 6) 7. Premium Computation for HO-4 and HO-6 (Exhibit 7) 8. Account Credit (Exhibit 8) 9. Replacement Cost Contents (Exhibit 9) 10. Renewal Credit (Exhibit 10) 11. Additional Amounts of Insurance HO-2, HO-3 (Exhibit 11) 12. Minimum Limits of Liability (Exhibit 12) As required, enclosed is the Transmittal Header, Rate/Rule Filing Schedule and the Deviation Questionnaire, FC-038. We propose to use these revisions for policies written on or after December 1, Very truly yours, Joyce Driscoll, Filing Analyst Technical Services Unit (T-1-54) Telephone: (860) (Toll Free) Telephone: (888) FAX: (860) The Hartford Hartford Plaza, Technical Services Unit-T-1-54 Hartford, CT 06105