MOBILE HOME. Policy Fee: $50 BMIC (09-15) 1 MOBILE HOME

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Brenda Chase
5 years ago
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1 MOBILE HOME SECTION PAGE QUALIFICATIONS...2 OWNER OCCUPIED RATES...4 RENTAL OR SEASONAL...5 MISCELLANEOUS COVERAGES...6 FARM PERSONAL PROPERTY COVERAGES BARNS/OUTBUILDINGS...8 Policy Fee: $50 BMIC (09-15) 1 MOBILE HOME

2 QUALIFICATIONS 1. Must be anchored. 2. Wiring lead-in must be properly installed and grounded. 3. Minimum length of mobile is 40 feet. 4. Heating must be gas fired or electrical unit. 5. Blocking must be sound; on solid footing. 6. No wood heat in mobile unless it is factory installed and is in a 1976 or newer mobile home. Wood heat in house-type addition will be accepted. 7. Outside wood heating units which use the existing duct work, cannot be written without prior company approval. Ducting through a window or sidewall of the structure will be acceptable providing the installation is safe. Final determination will be made upon inspection. RISKS YOU CANNOT BIND 1. Any wood heat in a pre-1976 mobile home. (If wood heat in house type addition, we will accept.) 2. A mobile home to be used for other than a dwelling. 3. Do not bind travel trailers. UNDERWRITER APPROVAL REQUIRED ON THE FOLLOWING 1. Applicant that has plead guilty or been convicted of a felony. 2. Any dwelling where the roof covering is slate, asbestos, concrete or any non-standard material. We will accept the risk, given these roof coverings, if the insured will agree to a roof exclusion. 3. Risks with unfenced in-ground swimming pools. 4. Risks with pools with diving boards. BMIC (01-17) 2 MOBILE HOME

3 CLAIM UNDERWRITING The following are guidelines concerning claims history and acceptability. Each applicant and claim scenario is different, so the underwriter will review the entire account and the type of claim or claims to evaluate acceptability. These guidelines distinguish between a singular residential risk and others, such as multiple rentals or large farm risks, which could warrant other consideration. NO-PAY CLAIMS: Generally no-pay claims are treated as a paid claim. SINGULAR RISK: 2 claims in 3 years or 3 claims in 5 years would disqualify a risk. MULTIPLE RENTALS/COMMERCIAL BUILDINGS: In the last 3 years an account should have no more than 1 claim for every 4 rentals, and in the last 5 years no more than 1 claim for every 3 rentals. For example, if an account has 20 rentals, total amount of claims in the last 3 years should be no more than 5, and in the last 5 years should be no more than 7 (rounding up in this case). If there are more than 2 fire claims in the last 5 years, regardless of the number of properties, the risk will be declined. BMIC (01-17) 3 MOBILE HOME

4 OWNER OCCUPIED MOBILE HOME COVERAGE CLASS 1-9 CLASS 10 MOBILE CONTENTS MOBILE CONTENTS 2, , , , , , , , , , , , , , Ea. add'l $1, VANDALISM, MALICIOUS MISCHIEF included. ADDITIONAL CHARGES: SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory when the insured owns the land where the mobile home is anchored) Provides coverage for damage to underground service lines as a result of a covered failure (covered cause of loss includes wear and tear of line) ROOF REPLACEMENT See eligibility requirements, Underwriting page WOOD HEAT: SEVERE RESTRICTION (See Mobile Home page 2) Photo required of interior installation BROAD FORM (Mobile must be skirted) REPLACEMENT COST CONTENTS 5.00 REFRIGERATED FOOD PRODUCTS $500 Limit EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment per $1,000 RELATED PRIVATE STURCTURES No farm buildings. (See F&EC page 10 for farm building rates.) 5.60 per $1,000 SEWER BACKUP THEFT RESTRICTION: We do not cover theft of personal property outside of a fully enclosed structure on the residence unless the property is secured by lock or other security device. (This is not the only theft restriction. Please refer to policy for exact coverage and restriction.) DEDUCTIBLE CREDITS: $1,000 all other perils / $2,000 wind hail 10% credit; $2,000 17% credit; $2,500 20% credit; $3,000 25% credit BMIC (01-18) 4 MOBILE HOME

5 MOBILE HOME RENTAL OR SEASONAL COVERAGE CLASS 1-9 CLASS 10 MOBILE CONTENTS MOBILE CONTENTS 5, , , , , , , , , , , , , Ea. Add'l $1, VANDALISM, MALICIOUS MISCHIEF included. ADDITIONAL CHARGES: SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory when the insured owns the land where the mobile home is anchored) Provides coverage for damage to underground service lines as a result of a covered failure (covered cause of loss includes wear and tear of line) ROOF REPLACEMENT See eligibility requirements, Underwriting page WOOD HEAT: SEVERE RESTRICTION (See Mobile Home page 2.) Photo required of interior installation BROAD FORM Mobile must be skirted REPLACEMENT CONTENTS EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment. $25 per policy (no matter how many mobile homes are on the policy) LIMITED THEFT RENTAL OR SEASONAL ($5,000 coverage limit) Refer to policy for exact coverage & restrictions per $1,000 FAIR RENTAL VALUE 6.00 per $1,000 RELATED PRIVATE STRUCTURES No farm buildings. (See F&EC page 10 for farm building rates.) 5.60 per $1,000 SEWER BACKUP DEDUCTIBLE CREDITS: $1,000 all other perils / $2,000 wind hail 10% credit; $2,000 17% credit; $2,500 20% credit; $3,000 25% credit BMIC (01-18) 5 MOBILE HOME

6 MISCELLANEOUS COVERAGES FLAT FEE CHARGES $ Submersible Pump Warranty (Covers pump for any cause of loss. $4,000 limitation.) $500 Deductible Vendor's Single Interest: MUST SUBMIT SERIAL NUMBER of mobile home before coverage will be approved Liability rental - $100,000 Premises only (Less than 25 acres. No farming.) Liability rental (More than 25 acres.) (See Rental or Seasonal, page 15.) Liability - owner occupied - $100,000 CPL. (Less than 50 acres. No farming.) For farming exposure, submit farm liability application. (See FCPL section of manual.) Incl. Vandalism & Malicious Mischief Consent to Move Mobile Home: Coverage may be provided for the perils insured against in the policy when the mobile home is moved from the described premises. Trip Collision (below) is included in the $40.00 fee. Trip Collision: Coverage may be provided against loss caused by collision or upset. Premium is fully earned. Coverage is provided for 30 days from effective date of coverage. PER $1,000 COVERAGE 5.60 Sewer Backup 3.60 Add'l Living Expense Satellite Dish Boat Docks: For rates, see Underwriting, page 3. Theft: Included with all owner occupied mobile homes. Only pertains to contents. IDENTITY FRAUD EXPENSE COVERAGE (OWNER OCCUPIED ONLY): Limit Premium 5,000 $ ,000 $ ,000 $ ,000 $ ,000 $ ,000 $62.70 Each additional $5,000 $5.50 FARM PERSONAL PROPERTY PER $1,000 GRAINS, FEEDS 5.35 Grains, feeds, fertilizers, etc., excluding hay 6.95 Hay in buildings Hay in open BMIC (01-18) 6 MOBILE HOME

7 LIVESTOCK LIVESTOCK COVERAGE INCLUDES ADDED PERILS. COVERAGES ARE NOT SUBJECT TO THE POLICY DEDUCTIBLE. DO NOT APPLY DEDUCTIBLE CREDIT TO LIVESTOCK COVERAGE Livestock (blanket) $100 DEDUCTIBLE 8.25 Livestock (blanket) NO DEDUCTIBLE 3.30 Livestock 1ST ANIMAL DEDUCTIBLE (see Underwriting page 4-5 for details) MACHINERY/EQUIPMENT/TOOLS 5.50 Machinery, Not Described (Mini-blanket, but excludes self-propelled items.) Coverage on any single item will not exceed $2,500. This is a catch-all coverage for small tools, implements, supplies, etc. Dairy barn equipment shall carry the same rate as the dairy building Specifically Insured Machinery (open perils) NO HARVESTERS Specifically Insured Harvesters (open perils) 2.00 Borrowed Machinery Coverage (excess). Recreational Vehicles (inc. 3 & 4 wheelers and golf carts) See Inland Marine. Irrigation Equipment - see F&EC page Private Power & Light Poles: Description required Windmills & Windchargers MISCELLANEOUS FARM PERSONAL PROPERTY 7.55 Grain bins (without dryers). GRAIN BINS MUST BE ANCHORED Grain bins (with dryers). If one dryer is used with two or more bins, only one bin is rated up Grain dryers, portable grain augers, elevators Portable buildings, structures 7.56 Silos - Fused enamel construction - tile, hollow or solid concrete block Farm Extra Expense FLAT CHARGE $50.00 Submersible Pump Warranty (Covers farm used pump for any cause of loss. $4,000 limitation.) $500 Deductible. BLANKET FARM PERSONAL PROPERTY - MINIMUM COVERAGE $50,000 (1) All farm personal property must be shown. Any excluded items or classes of property will be at company approval. (2) Inventory sheet must be completed upon application. (3) We will write the Coverage at 100% of the inventory. (4) Open Perils Endorsement included for power machinery items. (5) Added livestock perils included. (6) Use the "With Harvester" rate if: a. any single harvester is valued at $50,000 or over. b. if a harvester is more than 40% of the blanket total. NO HARVESTER WITH HARVESTER BLANKET TOTAL RATE RATE 50, , , , ,001 and up Rates are per $1,000. Minimum Blanket - $50,000 BMIC (01-16) 7 MOBILE HOME

8 Excluded Items: 1. Irrigation equipment 2. Bulk milk tanks, bulk feed tanks, silo unloaders, or any permanent fixtures attached to or within a building. 3. "Non-Farm Vehicles" (includes 3 & 4 wheelers, dirt bikes, etc.) 4. Portable buildings or structures. 5. Radios not factory installed on machinery. These are not the only excluded items, but represent the most common excluded items. See the policy form. BARNS/OUTBUILDINGS BUILDING PER TYPES: $1,000 OUTBUILDING DESCRIPTION: MINIMUM COVERAGE $8.00 PER FOOT. SUPERIOR CHARACTER, EXCELLENT REPAIR. Fully enclosed. Not over one story, no hay storage, no open sheds. No major welding or woodworking allowed. Dairy barns may be rated Type 1 so long as: (1) they are insured to value; (2) the structure is sound and well maintained. (We will waive overhead feed bunks as two story structures.) MINIMUM COVERAGE $6.00 PER FOOT. SUPERIOR CHARACTER, EXCELLENT REPAIR. Concrete foundation or pole construction MINIMUM COVERAGE $4.00 PER FOOT. ALL OTHER. Tobacco barns; less than 16' to eaves. Well-braced. Modern construction MINIMUM COVERAGE $4.00 PER FOOT. TOBACCO BARNS: over 16' to eaves. Older construction. BROAD FORM: RATE is 1.00 per $1, coverage - Subject to policy deductible. YOU MUST CHARGE FOR ALL OUTBUILDINGS IF THIS COVERAGE IS WRITTEN. 1. Coverage must be written on all outbuildings. Those buildings that do not qualify will be excluded upon inspection. 2. If written mid-term, coverage does not activate until 10 days after coverage is requested. 3. Eligible buildings: Class 1, 2, 3, and 5. Must be fully used; vacant or unoccupied buildings are ineligible. 4. If building is clear span and exceeds 40 feet in width, you must provide truss snow load specifications. REPLACEMENT COST: Farm barns, buildings and structures. Needs to be written at minimum 80% replacement value. Add $1.00 per 1,000 coverage (minimum charge of $50.00) only available on Type 1 & 2 barns. WOOD HEAT CHARGE: $35 BMIC (01-17) 8 MOBILE HOME

FIRE & EXTENDED COVERAGE

FIRE & EXTENDED COVERAGE SECTION PAGE QUALIFICATIONS... 2 UNDERWRITING RULES... 2 CLAIM UNDERWRITING... 2 TERRITORY DEFINITIONS... 3 DWELLING RATES TERRITORY 1... 4 DWELLING RATES TERRITORY 2... 5 CONTENTS