NEW MEXICO AGENT MANUAL AND UNDERWRITING GUIDE HALLMARK RENTERS PROGRAM
|
|
- Morris Long
- 6 years ago
- Views:
Transcription
1 NEW MEXICO AGENT MANUAL AND UNDERWRITING GUIDE HALLMARK RENTERS PROGRAM NEW BUSINESS: 9/14/2015 RENEWALS: 9/14/2015 This Product and Underwriting Guide provides summary information about our insurance products, but does not supplement or modify the provisions of any insurance policy. In the event of a conflict between this product guide and any insurance policy, the provisions of the insurance policy will prevail. NM Renters Program American Hallmark General Agency, Inc. All Rights Reserved.
2 REFERENCE INFORMATION AGENT REFERENCE INFORMATION Online Service Use it to: Quote and sell new policies Process policy changes and customer payments View and print policy documents, ID cards, and declarations pages Check the status of your customers claims Monitor your agency s production, loss reporting numbers, and quality measures Access your commission statement Order marketing supplies Phone Service (800) Use it to: Ask a Policy Service representative policy related questions Process policy changes and customer payments Order new agency marketing supplies Check the status of your customers claims Send us Trailing Documents Fax (800) Agency File Audits endorsements@hallmarkgrp.com Fax Line (469) agencyaudit@hallmarkgrp.com CUSTOMER REFERENCE INFORMATION Online Service Customers can use it to: Make payments Verify last payment received Check due date of next payment Check the status of a claim Print policy documents Phone Service (800) Customers can use it to: Make payments Verify last payment received Check due date of next payment Quote policy changes Check the status of a claim Send us Requested Documents Fax (800) Contact our Claims Department endorsements@hallmarkgrp.com Phone (800) Fax (469) ADDRESSES CLAIMS Correspondence Address Hallmark Personal Lines Overnight Delivery Address Hallmark Personal Lines P.O. Box Pinecrest Dr., Ste. 100 Plano, TX Plano, TX Please have the insured report a claim promptly to us. The insured should call our claims service at (800) The agent could be responsible for any fines imposed by the state if they take first notice of the claim and fail to relay the information to the Company within 24 hours.
3 Rule 2.19 Service Fees 6 RULE SECTIONS AND SUBJECTS Rule 2.20 Minimum Premium 6 Rule 2.21 Uninsurable Risk Verification 6 1. Definitions 2 Rule 2.22 Instructions for use of Pro Rata Tables 6 Rule 1.01 Renters Policy 2 Rule 1.02 Personal Liability Policy 2 3. Eligibility Guidelines 8 Rule 1.03 Construction Type 2 Rule 3.01 Acceptable Policies 8 Rule 1.04 Supplemental Heating Device 2 Rule 3.02 Unacceptable Policies 8 Rule 1.05 Actual Cash Value Loss Settlement 2 Rule 3.03 Unacceptable Named Insured 8 Rule 1.06 Replacement Cost Loss Settlement2 2. General Rules 3 Rule 2.01 Rule 2.02 Rule 2.03 Rule 2.04 Rule 2.05 Rule 2.06 Rule 2.07 Rule 2.08 Rule 2.09 Rule 2.10 Rule 2.11 Rule 2.12 Rule 2.13 Rule 2.14 Rule 2.15 Rule 2.16 Rule 2.17 Rule 2.18 Underwriting Company 3 Binding Authority 3 Policy Period 3 Named Insureds 3 Additional Interest 3 Risk Location Rating 4 Named Insured Rating 4 Policy Rating 4 Program Discounts 4 Program Surcharges 5 Premium Rounding 5 Changes to Policy 5 Rate Stability with Rate Capping 5 Cancellation of Policy 5 Reinstatement of Policy 5 Rewrite of Policy 6 Renewals 6 Investigative Reports 6 4. Coverage Descriptions & Rules Property 9 Rule 4.01 Rule 4.02 Rule 4.03 Rule 4.04 Perils Insured Against 9 Personal Property Coverage 9 Loss of Use Coverage 9 Deductibles 9 5. Coverage Descriptions & Rules Liability 9 Rule 5.01 Rule 5.02 Personal Liability 9 Medical Payments to Others 9 6. Optional Coverages 10 Rule 6.01 Rule 6.02 Rule 6.03 Replacement Cost Loss Settlement Personal Property 10 Equipment Breakdown Enhancement Coverage 10 Identity Recovery Coverage Trailing Documents 10
4 1. DEFINITIONS Rule 1.01 Renters Policy A Renters policy may be issued to the tenant(s) (non-owner) of a dwelling or an apartment situated in any building; provided the residence premises occupied by the insured is used exclusively for residential purposes. The policy provides coverage for personal property, loss of use, personal liability, and medical payments coverage. Coverage is provided under the HO Contents Broad Form Rule 1.02 Personal Liability Policy A Personal Liability policy may be issued to the tenant(s) (non-owner) of a dwelling or an apartment situated in any building; provided the residence premises occupied by the insured is used exclusively for residential purposes. The policy provides coverage for personal liability and medical payments coverage. Coverage is provided under the DL Personal Liability form. Rule 1.03 Construction Type Rule Frame Frame construction constitutes a dwelling with walls of frame, metal-sheathed or stuccoed frame construction, or with walls of metal lathe and plaster on combustible supports. Frame construction rating applies when the wall area of frame construction exceeds 33% of the total wall area. Rule Masonry Veneer A frame construction home over which is placed a layer of brick or other masonry material such as stone, concrete block, glass block, or tile. For the Masonry Veneer rating to apply, the exterior finishing material must exceed 67% of the total wall area. Rule Masonry A dwelling constructed from individual units laid in and bound together by mortar to make solid walls. The common materials of masonry construction are brick, stone, concrete block, glass block, and tile. For the Masonry rating to apply, the exterior finishing material must exceed 67% of the total wall area. A dwelling with walls, floor, and roof constructed entirely of masonry or fire resistive material with Fire Resistance rating of not less than 1 hour will qualify for the Masonry rating. For dwellings consisting of both Masonry and Masonry Veneer construction, rate as Masonry Veneer if total exterior finishing material exceeds 67% of the wall area. Note: Hardboard siding, often referred to as brand name Masonite, will be rated as Frame. Cement fiber siding, often referred to as brand name Hardie Board, will be rated as Masonry Veneer. Rule 1.04 Supplemental Heating Device A Supplemental Heating Device is a permanently installed wood, coal, or pellet burning stove; space heater; fireplace insert; or any other solid fuel burning device that is not thermostatically controlled. This does not include standard wood or gas fireplaces. Rule 1.05 Actual Cash Value Loss Settlement Actual Cash Value Loss Settlement is the cost to replace with new property of like kind and quality material, less depreciation. Rule 1.06 Replacement Cost Loss Settlement Replacement Cost Loss Settlement is the cost to replace the property on the same premises with other property of comparable material and quality used for the same purpose. New Mexico 2nd Edition Page 2
5 No new business policies may be written or bound and no inforce policies 2. GENERAL RULES may be endorsed, during active wild fires, hail storms, tornadoes, hurricanes, or comparable severe weather. Rule 2.01 Underwriting Company Renewals of the company s expiring policies may be written in the normal This Renters Manual is applicable for all new and renewal risks underwritten by manner providing there is no increase in exposure to the company. American Hallmark Insurance Company of Texas (the Company). Normal binding authority will resume after the state of emergency or watch and/or warning is lifted by the National Weather Service, providing there is Rule 2.02 Binding Authority no forecast of an imminent re-occurrence. Rule Agent s Obligation Applications with an effective date/postmark combination which violate the prohibitions listed above will be rejected and no coverage will have existed. It is the agent s obligation to field underwrite every risk submitted to the Company. All Agents are responsible for enforcing these temporary binding restrictions, questions on the application must be explained and the consequences of missing or whether the company issues a bulletin or the system is modified to prevent incorrect information outlined in detail. binding. Note: We may obtain underwriting reports on every risk. If any undisclosed losses are discovered, all applicable surcharges will be applied or discounts eliminated and the policy will be amended. A cancellation notice may be generated at the same time at our discretion. Rule Binding and Effective Dates Producer must be properly appointed and issued a producer number prior to issuing any policies. Applications for coverage must be consistent with the written program guidelines and producer agreement. The down payment or full premium must accompany the application or endorsement. Applications and endorsements processed through the Point of Sale System ( POS ) will be bound effective the date and time assigned by the system. Applications will not be accepted with a future effective date exceeding sixty days from the current date. Applications or endorsements may not be bound to cover a loss, which occurred before the application is signed. No agent may back date an application, cancellation or change request for any reason. Back dating is defined as using any date other than the current date and time, or the date and time all binding requirements have been completed, whichever is later. No agent is authorized to issue verbal or written coverage binders. Rule Document Retention It is the agents responsibility to secure required documentation upon binding and retain this information in the insured s file based on the retention obligations of your state. Any and all documentation must be made available upon company request. Rule Agency Funds Agency payments (made through agency sweep or any other means) that are returned from the bank unpaid must be replaced immediately. Recurring instances of dishonored payments could result in immediate cancellation of the agency contract. Rule Temporary Binding Restrictions Due to Severe Weather or State of Emergency When a State of Emergency is declared or the National Weather Service issues a hurricane, tornado, hail, or other severe weather watch or warning, and the storm is within 100 miles of the location of the proposed risk, coverage acceptance is limited as follows: Rule 2.03 Policy Period Rule Annual Program A policy may be written for a period of 12 months and subsequent policy periods will renew for a period of 12 months. Rule 2.04 Named Insureds A policy is permitted to have one or two Named Insureds. Co-applicants must be married to be listed as the second Named Insured. Other relationship statuses are not permitted. (i) Marital Status Only insureds who are legally married or deemed married by state law will be classified as married. Insureds that are single, windowed, legally separated, divorced, or in a relationship that is not recognized by the state will be classified as single. Rule 2.05 Additional Interest A policy is permitted to have one Additional Interest listed. Such person or organization is entitled to receive notification if the policy is cancelled or nonrenewed. A listed Additional Interest is not entitled to potential benefits provided by the policy, nor do they have authority to make changes on the policy. No additional charge is made for use of this endorsement. New Mexico 2nd Edition Page 3
6 2) Serious illness or injury, or serious illness or injury to an immediate Rule 2.06 Risk Location Rating family member; 3) Death of a spouse, child, or parent; Rule Rating Territory 4) Divorce or involuntary interruption of legally owed alimony or support payments; The rated territory is determined according to the physical address zip code in which 5) Identity theft or fraud; the rented unit is located. If an insured moves, the location will be updated and the 6) Temporary loss of employment for a period of three (3) months or policy will be re-rated to reflect the change in exposure. more, if it results from involuntary termination; 7) Military deployment overseas; or 8) Other events, as determined by the company The Rate Manual displays the territory definitions and territory factors. (i) Each territory includes a specific area of the state which, in total, encompasses the entire state. Therefore, the following provision applies: 1) For any physical address zip code not explicitly defined within a territory, determine the county based on the physical address. Use the Rest of County definition to determine territory. Rule Public Protection Classification The Public Protection Classification (PPC) is determined according to the physical address of the rented unit. Refer to ISO's Community Mitigation Classifications (CMC) Manual to determine the appropriate PPC. Rule Construction Type The construction type of the dwelling is used to determine an appropriate rate for the policy. Masonry Veneer and Masonry construction types qualify as a discount. Rule 2.07 Named Insured Rating Rule Age of Insured The Named Insured s age attained as of the effective date of the policy is used to determine an appropriate rate for the policy. Policies will not be re-rated mid-term to change the age classification. Rule Financial Responsibility Report A financial responsibility report will be ordered for the first Named Insured for all new business. The Insurance Score returned by this report is used, in combination with other rating components, to determine the total policy premium. The Company, upon request of an insured at the time of a policy's anniversary date, will re-tier and re-rate the insured's policy based upon a current Insurance Score. The rating tier may stay the same, deteriorate, or improve based on the re-ordered report. Include full name, address, date of birth, and the Social Security number to avoid inaccurate or unavailable financial responsibility information. A customer may refuse to provide their Social Security number, but in this case, we may not be able to confirm financial responsibility. Hallmark Personal Lines will not decline to issue, cancel, non-renew, or otherwise terminate property and casualty insurance covering personal risks solely because of: (i) Credit history; (i) Lack of credit history; or (ii) The following extraordinary life circumstances that directly influence the credit history of the applicant or insured: 1) Catastrophic event, as declared by the federal or state government; Rule 2.08 Policy Rating Rule Amount of Insurance The amount of insurance selected by the Named Insured is used to determine an appropriate rate for the policy. Selecting limits greater than the minimum will increase the policy premium. Rule Deductible The deductible amount selected by the Named Insured is used to determine an appropriate rate for this policy. Selecting a deductible greater than the minimum will decrease the policy premium. The deductible applies only to Section I coverages. A deductible is not selected for the Personal Liability policy. Rule Personal Property Replacement Cost The policy provides loss settlement on an Actual Cash Value basis for certain types of property. The policy may be endorsed to provide loss settlement on a Replacement Cost basis for such property. Selecting this endorsement will increase the policy premium. This endorsement is not available for the Personal Liability Policy. Rule 2.09 Program Discounts Rule Multi-Policy The multi-policy discount applies if the named insured has a PPA and HO4 policy insured with Hallmark. Multiple HO4 policies in the same household will not qualify. Rule Advanced Quote The policy is eligible for the Advanced Quote Discount (AQD) if the application is bound and required premium is paid seven (7) or more days in advance of the policy effective date. New Mexico 2nd Edition Page 4
7 Rule Protective Device Discount (ii) A policy will not be changed mid-term because of a change in prior loss history. (i) Central Station Reporting Fire Alarm All endorsements that generate an additional premium must be paid pursuant to the The fire alarm system must be properly maintained and centrally monitored calculation of premium due as generated by the policy system. Examples may include by a service (e.g. ADT) to receive the Protective Device discount. but not limited to: adding or changing coverage or territory address change. For date (ii) Central Station Reporting Burglar Alarm and time bound, please refer to Rule To process endorsement requests submitted through the mail, we require: The burglar alarm system must be properly maintained and centrally monitored by a service (e.g. ADT) to receive the Protective Device discount. (i) Agent number and name of representative handling request for change (ii) Policy number, effective date, and requested change with all required Rule 2.10 Program Surcharges information Rule Claims History (iii) Additional premium, if adding coverage The Named Insured s prior claims history is used to determine eligibility and set an appropriate rate for the policy. Claims history will be reviewed for chargeable losses in the most recent 5 years. (i) For new policies, the experience period begins on the effective date of the policy (ii) For renewal policies, the experience period will begin 30 days prior to the policy renewal effective date. Claims occurring within the 30 days window will be considered at the next renewal. A chargeable loss is a closed, paid claim incurred by the applicant; (i) Not including losses paid under a prior policy excluded by current Hallmark policy (e.g. equipment breakdown, water backup), and (ii) Not including Closed Without Payment (CWP) claims, and (iii) Not including Weather losses incurred at a prior residence Weather includes: Lightning, Windstorm, Hail, Earthquake, Landslide, Weight of Ice or Snow. Rule Heating System Dwellings with a supplemental heat unit are subject to a surcharge. A dwelling without a thermostatically controlled central heating system is ineligible. Rule 2.11 Premium Rounding The premium for each policy will be rounded to the nearest whole dollar. A premium involving $.50 or more will be rounded to the next higher whole dollar. This procedure will apply to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by the company, the return premium may be carried to the next higher whole dollar. Rule 2.12 Changes to Policy All changes requiring premium adjustments will be computed pro rata, with the following exceptions: (i) A policy will not be changed mid-term because of the attained age of the named insured. Signed endorsement requests are required for the following: (i) Insured requested cancellations Note: Any change request originating from the agent of record to reduce or delete coverage submitted to the Company will be processed with the understanding and presumption the agency has obtained and will retain the required signature in the agency file. Rule 2.13 Rate Stability with Rate Capping To increase customer satisfaction, we cap significant premium changes on renewal policies that are due to change in our rating structure. This process will take place at every renewal. Rule 2.14 Cancellation of Policy If a policy or form of coverage is canceled by the company or insured, compute return premium pro rata. Cancellations are effective no earlier than the date and time the cancellation request signed by the named insured is received, unless acceptable proof of replacement coverage is provided. Flat Cancellations will not be approved unless: (i) (ii) Rule 2.15 The Company is relieved of the obligation to provide coverage to the Insured and Lienholder (if applicable) by showing proof of replacement coverage. The insured s down payment is returned to the company or agent due to insufficient funds. Reinstatement of Policy Policies in cancel pending status due to missed payments will be reinstated if payment is received prior to the cancel date. Payment must include late payment fee if received after the due date. Policies cancelling for non-payment may be eligible for reinstatement within 30 days of the cancellation effective date. Reinstatements without a lapse in coverage require full payment including any applicable late fee and a signed Statement of No Loss. Policies reinstating with or without a coverage lapse require full payment including any applicable late fee. New Mexico 2nd Edition Page 5
8 For payments received after the cancel date, see Rule 2.16 Rewrite. The NSF fee is fully earned per occurrence. The fee applies to any payment returned Rule 2.16 Rewrite of Policy by the bank for non-sufficient funds. Policies cancelling for non-payment may be rewritten within 60 days of the date of Rule 2.20 Minimum Premium cancellation. If all policy characteristics remain the same compared to the cancelled Policies are subject to a minimum policy premium during the policy period to cover policy, simply bring up the cancelled policy in our policy system and click the Process the cost of fixed expenses and expected losses. Rewrite button. When rewriting a policy, please ensure all eligible coverages transfer to the new policy. All outstanding balances on cancelled policies must be paid before Rule 2.21 Uninsurable Risk Verification the insured is rewritten. The rewrite policy will be written as a full policy period. Rule 2.17 Renewals Renewal offers are mailed directly to the insured approximately 30 days prior to the renewal payment due date. If payment is not received by the due date, the renewal offer will expire. If payment is received within 30 days of the renewal offer expiring, a renewal will generate with a lapse in coverage. For mailed payments, the renewal effective date will be the payment postmark date plus one day at 12:01 AM. For payments posted in the policy system, the renewal effective date will be the payment date and time. Rule 2.18 Investigative Reports Rule Loss History A loss history report may be ordered for named insured(s) at new business. Chargeable losses not currently accounted for in rating will be included. Any chargeable losses incurred during any policy period with the Company will be accounted for in future renewals. Rule Financial Responsibility Report A financial responsibility report will be ordered for the first Named Insured for all new business. The Insurance Score returned by this report is used, in combination with other rating components, to determine the total policy premium. Rule 2.19 Service Fees Policies may be subject to the following service fees during the policy period. See the Rate Manual for applicable charges. Rule Policy Fee The policy fee is earned as billed during the policy period. The fee applies to all policy periods. Rule Installment Fee The installment fee is fully earned per occurrence. The fee applies to all payments that cover only a portion of the total policy premium. The fee may vary by payment method. Rule Late Payment Fee The late payment fee is fully earned per occurrence. The fee applies to any payment received after the payment due date. Rule Non-Sufficient Funds (NSF) Fee The Company will verify whether your customer has ever been cancelled or not renewed by us due to: misrepresentation, misrepresentation on a claim, fraud or misrepresentation on an application, fraud on a claim, lack of cooperation in a fraud investigation, or record of an unauthorized or counterfeit payment. If the Company determines an applicant is an uninsurable risk, the quoting system will inform you and you must tell the customer. You will not be able to complete the quote. Rule 2.22 Instructions for use of Pro Rata Tables Express the date of cancellation by year and decimal part of a year by combining the calendar year with the decimal appearing opposite the month and day in the Pro Rata Table, e.g. March 7, 2014 is designated as New Mexico 2nd Edition Page 6 (i) (ii) (iii) In like manner, express the effective date of the policy by year and decimal part of a year and subtract from the cancellation date. The difference in the case of 1 year policies represents the percentage of the annual premium which is to be retained by the company. Example: Cancellation date: May 19, Effective date: March 2, ) Earned premium for a 1 Year Term Policy will therefore be times the annual premium. 2) Note: As it is not customary to charge for the extra day (February 29th) which occurs one year in every four years this table will also be used for each such year.
9 Pro Rata Tables January February March April May June Pro Rata Tables July August September October November December Ratio Day of Year Ratio New Mexico 2nd Edition Page 7
10 The animal liability exclusion must be applied to the policy when an animal with a bite history exists to be acceptable. 3. ELIGIBILITY GUIDELINES Rule 3.01 Acceptable Policies Rule Occupancy A Renters Broad Form Policy or Renters Personal Liability Policy may be issued to the tenant(s) (non-owner) of a dwelling or apartment situated in any building, provided the residence premises is used exclusively for residential purposes. Rule Policy Types The Renters Broad Form policy affords Property and Liability coverage. The Renters Personal Liability Policy affords Liability coverage only. Rule 3.02 Unacceptable Policies Rule Unacceptable Prior Loss History Any policy with 5 or more losses in the past 5 years is ineligible. Any policy with more than 1 fire loss in the past 5 years is ineligible. Any policy with more than 1 liability loss in the past 5 years is ineligible. All repairs must be complete from a prior loss to be acceptable. Rule Unacceptable Risk Characteristics Any applicant currently unemployed, other than retired, disabled, or a full-time student, is ineligible. Any applicant under the age of 18 at the time of application is ineligible. Any applicant with a past felony conviction or conviction for arson, fraud, or other insurance-related offense is ineligible. Any residence with business exposure on the premises, including home daycare (does not include unpaid babysitting of relatives). Any residence with no centralized heating is ineligible. Rule 3.03 Unacceptable Named Insured Named Insureds who move out of state during the policy period are ineligible. A Named Insured refusing to disclose information requested on the application is ineligible for coverage. A Named Insured failing to respond to a request for information is ineligible for coverage. New Mexico 2nd Edition Page 8
11 4. COVERAGE DESCRIPTIONS & RULES PROPERTY Rule 4.01 Perils Insured Against The following is a general description of the coverages provided by the Renters Broad Form policy. The policy should be consulted for exact contract language. Perils Insured Against: Fire or Lightning; Windstorm or Hail; Explosion; Riot or civil commotion; Aircraft; Vehicles; Smoke; Vandalism or malicious mischief; Theft; Volcanic eruption; Falling objects, Weight of ice, snow or sleet; Accidental discharge or overflow of water or steam; Sudden and accidental tearing apart of a heating system or appliance for heating water; Freezing; and Sudden and accidental damage from artificially generated electrical current. Rule 4.02 Personal Property Coverage All Renters Broad Form policies must have a personal property limit of at least $5,000. Rule 4.03 Available Limits $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 No Coverage No Coverage is applicable for the Renters Personal Liability Policy Form only. Loss of Use Coverage Loss of Use is included in the base rate. Limit of Liability is always 20% of the selected Personal Property coverage limit. Rule 4.04 Deductibles All Renters Broad Form policies are subject to a minimum deductible of $500 that applies to loss from all Section I Perils, except Refrigerated Property. A separate deductible provision applies to Refrigerated Property as described in the Refrigerated Property Coverage amendatory endorsement. Deductible per Occurrence $500 $1,000 Increased deductibles result in a lower premium. 5. COVERAGE DESCRIPTIONS & RULES LIABILITY Rule 5.01 Personal Liability Covers payment on behalf of any insured for all sums which the insured shall become legally obligated to pay as damages because of bodily injury or property damage arising out of an insured s premises or personal activities. All policy types must have a minimum limit of at least $25,000. Available Limits $25,000 $50,000 $100,000 Liability exposure from animals is limited to $25,000. If the insured has an animal with a bite history in their care and custody, Liability exposure will be excluded. The Animal Liability Exclusion will be applied to risks with unusual, exotic, vicious, or potentially vicious animals, regardless of bite history. Liability exposure from trampolines is excluded. Rule 5.02 Medical Payments to Others Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of an insured's premises or personal activities. All policy types must have a minimum limit of at least $500. Available Limits $500 $1,000 $2,000 $3,000 $4,000 $5,000 Liability exposure from trampolines is excluded. New Mexico 2nd Edition Page 9
12 6. OPTIONAL COVERAGES Rule 6.01 Replacement Cost Loss Settlement Personal Property The policy provides loss settlement on an Actual Cash Value basis for certain types of property. For increased premium, the policy may be endorsed to provide loss settlement on a Replacement Cost basis for such Property. Available options contingent upon selecting Renters Broad Form. Rule 6.02 Equipment Breakdown Enhancement Coverage The following is a general description of the coverages provided by the Equipment Breakdown Enhancement Coverage. The endorsement should be consulted for exact contract language For increased premium, the policy may be endorsed to provide coverage for direct physical loss or damage to all mechanical, electrical, electronic, or fiber optic equipment caused by, or resulting from, mechanical breakdown; electrical or electronic breakdown; or rupture, bursting, bulging, implosion, or steam explosion. Coverage is subject to a $50,000 per occurrence limit and a $500 per occurrence deductible. Rule 6.03 Identity Recovery Coverage The following is a general description of the coverages provided by the Identity Recovery Coverage. The policy should be consulted for exact contract language For increased premium, the policy may be endorsed to provide coverage for recovery from the fraudulent use of the personal identity of an insured to establish credit accounts, secure loans, enter into contracts or commit crimes. Coverage includes services of an ID Recovery Case Manager and reimbursement of actual ID theft costs incurred up to $15,000. A $250 deductible applies to the incurred costs coverage. 7. TRAILING DOCUMENTS It is the agents responsibility to secure required documentation upon binding and retain this information in the insured s file based on the retention obligations in your state. Any and all documentation must be made available upon company request. For certain policies, it is imperative to maintain proof of qualification for certain rating components. The policy system will prompt you to retain trailing documents. The chart below designates what proof should be agent retained and what proof requires submission to the Company. Trailing Document Required Documentation Where to send Information Application A signed and dated application by the named insured and agent of record. Three (3) methods of obtaining the required signatures: 1. The application has been signed electronically in the policy system; or 1. Automatically attached to policy 2. The application has been signed electronically outside of the policy system; or 2. Agent Retained and/or 3. The application has been printed and signed by hand attached to policy electronically 3. Agent Retained and/or attached to policy Protective Device Proof of service must be updated annually. A copy of the most recent service invoice is sufficient. Agent Retained and/or attached to policy electronically Recurring Payment Authorization Form A signed and dated authorization form is required if the Named Insured modifies their method of payment to Recurring Payment at any time, other than new business submission. At new business, the application includes the required documentation. Agent Retained and/or attached to policy electronically New Mexico 2nd Edition Page 10
NEW BUSINESS: 7/27 7/2015 7/2015 RENEWALS: 7/27. products, but does. This Product and Underwriting
TEXAS AGENT MANUAL AND UNDERWRITING GUIDE HALLMARK RENTERS PROGRAM NEW BUSINESS: 7/27 RENEWALS: 7/27 7/2015 7/2015 This Product and Underwriting Guide provides summary information about our insurance products,
More informationService is our Hallmark.
A M E R I C A N Kansas New Business: 6/30/10 Renewal Business: 9/8/10 Dwelling Fire Program DP-1 Basic Form DP-2 Broad Form Special Form Service is our Hallmark. GENERAL RULES The Dwelling Fire program
More informationService is our Hallmark.
A M E R I C A N Indiana New Business: 12/10/12 Renewal Business: 12/10/12 Homeowners Program HO-2 Broad Form Homeowners HO-3 Special Form Homeowners HO-4 Contents Broad Form-Renters HO-6 Unit-Owners Form-Condo
More informationService is our Hallmark.
A M E R I C A N Colorado New Business: 7/24/12 Renewal Business: 7/24/12 Dwelling Fire Program DP-1 Basic Form DP-2 Broad Form DP-3 Special Form Service is our Hallmark. GENERAL RULES The Dwelling Fire
More informationService is our Hallmark.
New Mexico New Business: 1/28/13 Renewal Business: 3/27/13 Manufactured Home Program Manufactured Home Broad Manufactured Home Service is our Hallmark. GENERAL RULES The Manufactured Home Program provides
More informationService is our Hallmark.
A M E R I C A N Missouri New Business: 12/10/12 Renewal Business: 2/08/13 Dwelling Fire Program DP-1 Basic Form DP-3 Special Form Service is our Hallmark. GENERAL RULES The Dwelling Fire program provides
More informationService is our Hallmark.
A M E R I C A N I N S U R A N C E Georgia New Business: 7/24/12 Renewal Business: 7/24/12 Manufactured Home Program Manufactured Home Broad Manufactured Home Service is our Hallmark. GENERAL RULES The
More informationGENESEE PATRONS LANDLORDS PACKAGE POLICY PROGRAM
GENESEE PATRONS LANDLORDS PACKAGE POLICY PROGRAM Genesee Patrons JUNE 1986 4/14 INDEX DESCRIPTION RULE NO. PAGES Basic Policy Coverage and Limits 2 2 Eligibility 1 1 General Rules 3-a to 3-i 3-4 Mandatory
More informationService is our Hallmark.
A M E R I C A N Tennessee New Business: 5/20/13 Renewal Business: 7/19/13 Homeowners Program HO-2 Broad Form Homeowners HO-3 Special Form Homeowners HO-4 Contents Broad Form-Renters Renters Personal Liability
More informationNEW HAMPSHIRE HOMEOWNERS HO-2 RATES
AEGIS SECURITY INSURANCE COMPANY RATED A EXCELLENT A NEW HAMPSHIRE ADMITTED CARRIER NEW HAMPSHIRE HOMEOWNERS HO-2 RATES Insurance with a Conscientious Approach to Today s Needs SURPLUS LINE MANAGERS, INC.
More informationService is our Hallmark.
A M E R I C A N I N S U R A N C E Mississippi New Business: 9/23/12 Renewal Business: 9/23/12 Dwelling Fire Program DP-1 Basic Form DP-2 Broad Form DP-3 Special Form Service is our Hallmark. GENERAL RULES
More informationService is our Hallmark.
A M E R I C A N I N S U R A N C E South Carolina New Business: 10/15/12 Renewal Business: 11/19/12 Dwelling Fire Program DP-1 Basic Form DP-2 Broad Form DP-3 Special Form Service is our Hallmark. GENERAL
More informationService is our Hallmark.
A M E R I C A N Tennessee New Business: 5/20/13 Renewal Business: 7/19/13 Dwelling Fire Program DP-1 Basic Form DP-3 Special Form Service is our Hallmark. GENERAL RULES The Dwelling Fire program provides
More informationService is our Hallmark.
A M E R I C A N I N S U R A N C E South Carolina New Business: 10/15/12 Renewal Business: 11/19/12 Homeowners Program HO-2 Broad Form Homeowners HO-3 Special Form Homeowners Contents Broad Form-Renters
More informationNEW YORK LANDLORDS PACKAGE POLICY PROGRAM
NEW YORK LANDLORDS PACKAGE POLICY PROGRAM INDEX DESCRIPTION RULE NO. PAGE Eligibility 1 1 Basic Policy Coverage and Limits 2 2 Mandatory Forms 2 2 General Rules 3 A - 3 F 3 Rating 4 4 Rating - Descriptions
More informationUNITED PROPERTY & CASUALTY INSURANCE COMPANY SOUTH CAROLINA HOMEOWNERS PROGRAM
UNITED PROPERTY & CASUALTY INSURANCE COMPANY SOUTH CAROLINA HOMEOWNERS PROGRAM Homeowners Policy Program Manual General Rules PART I COVERAGE AND DEFINITION TYPE RULES 100. INTRODUCTION... HO-100-1 A.
More informationOREGON MUTUAL INSURANCE COMPANY DWELLING FIRE
AUTOMATIC INCREASE IN INSURANCE The Company will increase the limits of liability for dwellings and outbuildings at the beginning of each renewal policy period, based upon reports of recognized appraisal
More information2019 Policy Quick Reference Sheet
Main Form 2019 Policy Quick Reference Sheet BasicGUARD Owner Tenant Farm ONLY FL-1 Basic Form Coverage With Supporting Coverage Seasonal Without Supporting Coverage Minimum/Maximum $30,000 > 300,000 $30,000
More informationOREGON MUTUAL INSURANCE COMPANY PERSONAL PROTECTOR POLICY PROGRAM PREMIUMS. Step Forms 3 and 5 Premium or Factor Rounding
PERSONAL PROTECTOR POLICY PROGRAM SEQUENCE RATING Step Forms 3 and 5 Premium or Factor Rounding 1 Base premium 2 x Form type nearest 5 decimals 3 x Territory Relativity nearest 5 decimals 4 x Coverage
More informationLANDLORDS PACKAGE POLICY PROGRAM. North Country Insurance Co. 4/07
LANDLORDS PACKAGE POLICY PROGRAM Insurance Co. 4/07 October 1998 INDEX DESCRIPTION RULE NO. PAGES Basic Policy Coverage and Limits 2 2 Eligibility 1 1 General Rules 3-a to 3-j 3-4 Mandatory Forms 2 2 Optional
More informationPersonal Property Forms & Endorsements
Personal Property Forms & Endorsements Introduction ISO is a licensed rating and advisory organization that maintains over 7,500 policy forms and endorsements for 18 lines of insurance spread across 54
More informationTEXAS AGENT MANUAL AND UNDERWRITING GUIDE HALLMARK AUTO FLEX PROGRAM
TEXAS AGENT MANUAL AND UNDERWRITING GUIDE HALLMARK AUTO FLEX PROGRAM NEW BUSINESS: 7/27/2015 RENEWALS: 7/27/2015 This Manual and Underwriting Guide provides summary information about our insurance products,
More informationPACIFIC SPECIALTY INSURANCE COMPANY STATE OF CALIFORNIA. Underwriting Guidelines Embedded Stand-Alone (Mini) Earthquake
PACIFIC SPECIALTY INSURANCE COMPANY STATE OF CALIFORNIA Underwriting Guidelines Embedded Stand-Alone (Mini) Earthquake Standard Protection Policy Edition 1 Table of Contents 1. POLICY FORMS AND DWELLING
More informationPART I COVERAGE AND DEFINITION TYPE RULES
PART I COVERAGE AND DEFINITION TYPE RULES GENERAL RULES RULE 100. INTRODUCTION A. About The Homeowners Manual The Homeowners Policy Program provides property and liability coverages, using the forms and
More informationTOWN DWELLING/RENTAL PROGRAM
TOWN DWELLING/RENTAL PROGRAM RULES/UNDERWRITING GUIDELINES Page Standard Amounts of Coverage DW - 1 Perils Insured Against DW - 1 Eligible List DW - 2 Consideration List - Submit Non-Bound DW - 2 Prohibited
More informationTEXAS FAIR PLAN ASSOCIATION POLICY, RATING and UNDERWRITING MANUAL
TEXAS FAIR PLAN ASSOCIATION POLICY, RATING and UNDERWRITING MANUAL TABLE OF CONTENTS Page I. INTRODUCTION... 1 II. GENERAL RULES... 1 III. LIMITS OF LIABILITY AND COVERAGE RELATIONSHIPS - TEXAS HOMEOWNERS
More informationCalifornia General Rules Index - Dwelling Policy Program Edition
General Rules And California General Rules Index - Dwelling Policy Program - 1989 Edition Page # Rule # Additional Coverage Endorsement (ACE)... 35 525. Additional Living Expense - Coverage E... 25 502.
More informationARIZONA AGENT MANUAL AND UNDERWRITING GUIDE
ARIZONA AGENT MANUAL AND UNDERWRITING GUIDE HALLMARK PRIVATE PASSENGER AUTO PROGRAM NEW BUSINESS: 06/15/2015 MONTHLY RENEWALS: 06/15/2015 OTHER RENEWALS: 06/15/2015 This product and Underwriting Guide
More informationFARM DWELLING/RENTAL PROGRAM
FARM DWELLING/RENTAL PROGRAM RULES/UNDERWRITING GUIDELINES Page Standard Amounts of Coverage FDW - 1 Perils Insured Against FDW - 1 Eligible List FDW - 2 Consideration List - Submit Non-Bound FDW - 2 Prohibited
More informationCalifornia. Dwelling Fire Web
California Dwelling Fire Web Dwelling Fire Web - Index TOPIC SLIDE # About Dwelling Fire Web 3 Coverage Options 4 Condos 5 & 10 Underwriting 11 Manuals 13 Quoting & Issuing 14 Viewing & Endorsing 25 Cancellations
More informationTexas FAIR Plan Association Policy, Rating and Underwriting Manual
Texas FAIR Plan Association Policy, Rating and Underwriting Manual John W. Polak, CPCU July 1, 2013 Table of Contents POLICY, RATING AND UNDERWRITING MANUAL... 4 I. INTRODUCTION... 4 II. GENERAL RULES...
More informationDWELLING PROGRAM. Designed specifically for agents of
DWELLING PROGRAM Designed specifically for agents of DWELLING 5/86 SMIC 11/2002 INDEX DESCRIPTION RULE NO. PAGES Basic Policy Coverage and Limits 2 2 Eligibility 1 1 Forms List --- 18 General Rules 3-a
More informationMobile homes are eligible if they are permanently located, but may only be covered by the Basic Form. Coverage may not include an attached carport.
4 Dwelling Policy OVERVIEW The Dwelling Policy is used to insure private residential property that is not occupied by its owner, such as rental property, as well as some owner-occupied private residential
More informationDWELLING SECTION TABLE OF CONTENTS
DWELLING SECTION TABLE OF CONTENTS ITEM NSDWG PAGE Back Up of Sewer, Drain or Sump System... 14 Billing Procedures... 13 Calculation of Premium... 5 Condominium Unit-Owners Additions... 14 Construction
More information550 W Merrill Ste 200 Birmingham MI coniferinsurance.com. Texas HomeValue
550 W Merrill Ste 200 Birmingham MI 248.559.0840 coniferinsurance.com Texas HomeValue Desired Risks Manufactured Homes or Dwellings where pride of ownership is apparent including older, smaller homes which
More informationNew Hampshire Dwelling Program
EFFECTIVE: 03/01/11 NEW American Reliable Insurance Company New Hampshire Dwelling Program SURPLUS LINE MANAGERS, INC., CMGA A Minuteman SERVICE Company P.O. Box 490 Goffstown, NH 03045-0490 LOCAL 603-497-1778
More informationTHE SUTTER INSURANCE COMPANY. California Effective Date: October 1, 2007
THE SUTTER INSURANCE COMPANY HOMEOWNERS 3 SPECIAL REHABILITATION PROGRAM California Effective Date: October 1, 2007 Program Manual The Sutter Insurance Company Homeowners 3 Special Rehabilitation Program
More informationService is our Hallmark.
A M E R I C A N Kentucky New Business: 7/19/12 Renewal Business: 7/19/12 Homeowners Program HO-2 Broad Form Homeowners HO-3 Special Form Homeowners HO-4 Contents Broad Form-Renters HO-6 Unit-Owners Form-Condo
More informationTable of Contents Chapter 1: An Overview Chapter 2: What s Covered
Table of Contents Chapter 1: An Overview...1 Introduction...1 Forms Overview...1 Eligibility: Homeowners Forms... 3 Eligibility: Tenant Homeowners... 6 Eligibility: Unit Owners... 6 Eligibility: Seasonal
More informationPACIFIC SPECIALTY INSURANCE COMPANY STATE OF CALIFORNIA. Underwriting Rules Stand-Alone Earthquake
PACIFIC SPECIALTY INSURANCE COMPANY STATE OF CALIFORNIA Underwriting Rules Stand-Alone Earthquake Comprehensive and Comprehensive Plus Protection Policy Edition 3 Table of Contents 1. POLICY FORMS AND
More informationProtector Plus Homeowners Package
Protector Plus Homeowners Package Expanded coverage for your special needs Improve the coverage on your home You ve worked hard to earn the finer things in life. And your home is the ultimate statement
More informationThe Homeowners Coverage Guide: Interpretation and Analysis
The Homeowners Coverage Guide: Interpretation and Analysis Table of Contents Chapter 1: An Overview... 1 Introduction... 1 Forms Overview... 1 Eligibility: Homeowners Forms... 3 Eligibility: Tenant Homeowners...
More informationUnited Property & Casualty. Insurance Company
United Property & Casualty Insurance Company HOMEOWNERS PROGRAM MANUAL NEW JERSEY Effective 06/08/2014 UNITED INSURANCE MANAGEMENT, LC Managing General Agent Table of Contents UPC NJ HO Manual HO-1 Ed.
More informationCalifornia Stand Alone Earthquake Program
California Stand Alone Earthquake Program AEGIS SECURITY INSURANCE COMPANY 2407 Park Drive, Harrisburg, PA 17105 3153 California Stand Alone Earthquake Program Contents 1. POLICY FORMS AND DWELLING LIMITS...
More informationAccess Home Insurance Company
Access Home Insurance Company Louisiana Dwelling Program TABLE OF CONTENTS Eligibility-Underwriting... 1 A Dwelling Policy may be issued to provide insurance under... 1 General... 1 Ineligible Risks...
More informationSTATE NATIONAL INSURANCE COMPANY, INC.
INSURANCE APPLICATION STATE NATIONAL INSURANCE COMPANY, INC. APPLICATION DETAIL Effective / Expiration Date Policy Number Date [MM/DD/YYYY] [MM/DD/YYYY] 12:01 AM Standard Time at the residence premises
More informationHOMEOWNERS POLICY PROGRAM MANUAL GENERAL RULES
HOMEOWNERS POLICY PROGRAM MANUAL GENERAL RULES RULE 613. OWNED SNOWMOBILE A. Coverage Description 1. The policy may be endorsed to provide coverage when a snowmobile is used off of the insured location.
More informationHOMEOWNERS DECRIPTION. HOMEOWNERS POLICY COVERAGE RELATIONSHIPS HO-4 (Tenant HO) Coverage Homeowner HO-6 (Condominium
HOMEOWNERS DECRIPTION HOMEOWNERS POLICY COVERAGE RELATIONSHIPS HO-4 (Tenant HO) Coverage Homeowner HO-6 (Condominium A Dwelling Amount of Ins. N/A B Other Structures 10% of Coverage A N/A C Personal Property
More informationHOMEOWNERS PROGRAM RULES/UNDERWRITING GUIDELINES
HOMEOWNERS PROGRAM RULES/UNDERWRITING GUIDELINES Page Standard Amounts of Coverage HO - 1 Perils Insured Against HO - 1 Eligible List HO - 2 Consideration List - Submit Non-Bound HO - 2 Prohibited List
More informationCOMPANY NAME CONTACT NAME TELEPHONE NUMBER DENIAL REASON APPLICANT S MAILING ADDRESS: CITY STATE COUNTY ZIP TELEPHONE
DWELLING FIRE / HOMEOWNERS PROPERTY INSURANCE APPLICATION INDIANA BASIC PROPERTY INSURANCE UNDERWRITING ASSOCIATION REMIT PREMIUM DEPOSIT TO: PO BOX 6457 - Dept #283, Indianapolis, IN 46206 Phone: (317)
More informationDWELLING PROGRAM GENERAL INSTRUCTIONS...
DWELLING PROGRAM GENERAL INSTRUCTIONS... 9.2 PERILS AFFORDED... 9.2 APPLICATION... 9.2 BINDING AUTHORITY... 9.2 TERM OF POLICY... 9.2 SINGLE BUILDING DEFINITION... 9.2 CONSTRUCTION DEFINITIONS... 9.2 PUBLIC
More informationTexas FAIR Plan Association
Texas FAIR Plan Association Underwriting Manual John W. Polak, CPCU June 7, 2018 Pg (1) TFPA Underwriting Manual Edition: June 7, 2018 Table of Contents I. Introduction... 1 II. General Rules... 1 III.
More informationLesson 2: The Homeowners Policy
Lesson 2: The Homeowners Policy Homeowners Insurance: ISO Policy Forms Covered Property to Identify and Address Residential Property and Liability Loss Exposures Four Methods for Managing Personal Residential
More informationHOMEOWNERS PROGRAM NEW JERSEY
HOMEOWNERS PROGRAM AMERICAN ASSOCIATION OF INSURANCE SERVICE 1745 S. Naperville Road, Wheaton, IL. 60189-5898 REV. 06/ 11 NJ HO Manual - 1 AAIS HOMEOWNERS MANUAL TABLE OF CONTENTS INTRODUCTION RULES >
More informationU NDERWRITERS R ATING B OARD
U NDERWRITERS R ATING B OARD P.O. BOX 13-059 ALBANY, NEW YORK 12212 PROGRAM BULLETIN # DWG-8 NOVEMBER 1, 1996 All rates, rules and forms promulgated by the Underwriters Rating Board are advisory in nature
More informationDwelling Program Manual Index
L O U D O U N M U T U A L I N S U R A N C E C O M P A N Y Dwelling Program Manual Index Page No. Rule No. Additional Hazards 11 4.3 Additional Interests 7 3.3 Additional Insureds 7 3.3 Additional Living
More informationDwelling Insurance Buyer's Guide
NEW JERSEY MANUFACTURERS INSURANCE COMPANY Dwelling Insurance Buyer's Guide This booklet contains only general information and is not a legal document. Save this booklet. YOUR DWELLING BUYER S GUIDE QUICK
More informationA CONSUMER S GUIDE TO MANUFACTURED HOMEOWNERS INSURANCE
A CONSUMER S GUIDE TO MANUFACTURED HOMEOWNERS INSURANCE INTRODUCTION Manufactured-homeowners insurance policies available in North Carolina may be used to provide coverage for your manufactured home, personal
More informationARTISAN CONTRACTORS PROGRAM
Offered through: PO Box 747 Tustin CA 92781 714-389-2460 FAX (714) 783-3291 Edition 05/01/2005 TABLE OF CONTENTS PAGE Program Summary 1 Part I. Scope of Coverage 1 Part II. General Rules 1 A. Policy Term
More informationHOMEOWNERS PROGRAM WEST VIRGINIA
FARMERS MUTUAL INSURANCE COMPANY HOMEOWNERS PROGRAM WEST VIRGINIA FARMERS MUTUAL INSURANCE COMPANY HOMEOWNERS PROGRAM UNDERWRITING RULES 1. BINDING AUTHORITY A. You may bind coverage for any risk meeting
More informationSERFF Tracking #: ASIT State Tracking #: Company Tracking #: WI HO PROGRESSIVE
SERFF Tracking #: ASIT-129805690 State Tracking #: Company Tracking #: WI HO 2014-11 PROGRESSIVE State: Wisconsin Filing Company: Artisan and Truckers Casualty Company TOI/Sub-TOI: 04.0 Homeowners/04.0004
More informationMID-VALUE HOMEOWNER S APPLICATION
The following must be submitted with the application: -Replacement Cost Estimator or Building Information Sheet -Woodstove Questionnaire, if applicable -Diligent Search Letter, if applicable MID-VALUE
More informationHOMEOWNERS UNDERWRITING GUIDE
HOMEOWNERS UNDERWRITING GUIDE October 15, 2011 10/15/2011 The outline below is not intended to replace the underwriting manual and is intended as a quick reference guide only. Please refer to the complete
More informationHomeowners Program Oklahoma
Available in this Program Homeowners Package HO-3 Homeowners Package HO-8 Tenant Homeowner Package HO-4 Unit-Owner Package HO-6 Homeowners Program Oklahoma Underwriting Guidelines and General Rates Binding
More informationALABAMA DP-1 DWELLING
EFFECTIVE: 11/01/07 A Stock Insurance Company 8655 E Via De Ventura Scottsdale, AZ 85258-3321 (800) 535-13 33 (480) 483-8666 A.M. Best Rated A, Excellent ALABAMA DP-1 DWELLING UNDERWRITING GUIDELINES This
More informationTOI: 04.0 Homeowners Sub-TOI: Homeowners Sub-TOI Combinations Rate & Rule Rev, Adopt ISO water excl rule/forms
SERFF Tracking Number: EMCC-126192677 State: Rhode Island First Filing Company: Employers Mutual Casualty Company,... State Tracking Number: Company Tracking Number: RI-HO-2009-01 TOI: 04.0 Homeowners
More informationGeorgia Dwelling Program Manual
United National Insurance Company Georgia Dwelling Manual 04/01/2017 New 04/01/2017 Renewal A####M#### U6021M0417 Quoting Procedure Binding Restrictions All quoting and issuance of policies for these programs
More informationTRAVELERS CALIFORNIA HOMEOWNERS-TENANT POLICY SUMMARY OF MAJOR COVERAGE CHANGES
TRAVELERS CALIFORNIA HOMEOWNERS-TENANT POLICY SUMMARY OF MAJOR COVERAGE CHANGES We are pleased to introduce our new Travelers Homeowners-Tenant Policy, which replaces your current Homeowners-Tenant Policy
More informationLEXINGTON INSURANCE COMPANY HO3 & DP3 UNDERWRITING GUIDELINES
LEXINGTON INSURANCE COMPANY HO3 & DP3 UNDERWRITING GUIDELINES July 2014 RISK CRITERIA HO3 & DP3 Minimum Limit with Wind (less than 10 miles from coastal/bay waters) - $500,000 in all Coastal Counties including
More informationUNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY FLORIDA PERSONAL PROPERTY MANUAL DWELLING SECTION TABLE OF CONTENTS
UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY TABLE OF CONTENTS RULE CONTENT PAGE NO. 1 Introduction 1 2 Applications for Insurance 1 3 Extent of Coverage 6 4 Cancellations 6 5 Policy Fee 7 6 Commissions
More informationHomeowner Application
Homeowner Application Applicant s Name: Mailing Agent Name: Agency Code: PROPOSED EFFECTIVE DATES: General Information: From To 12:01 A.M., Standard Time, at the address of the Applicant Billing Method:
More informationRENTERS APPLICATION AGENCY INFORMATION APPLICANT INFORMATION. Date of Birth: <MM/DD/YYYY> Address: Occupation: COVERAGE INFORMATION
Pay your bill online at www.aiicfl.com American Integrity Insurance Company of Florida 5426 Bay Center Drive Suite 650 Tampa, FL 33609 Customer Service 1-866-968-8390 OR REMIT PAYMENTS TO: AIIC MSC #504
More informationCONTRACTORS PROTECTOR PROGRAM
CONTRACTORS PROTECTOR PROGRAM ITEM TABLE OF CONTENTS NSCO PAGE Applications... 1 Billing Procedures... 2 Eligibility and Underwriting Requirements... 1 Features and Coverages... 3 Inland Marine Coverages...
More informationCONTRACTORS PROTECTOR PROGRAM
CONTRACTORS PROTECTOR PROGRAM ITEM TABLE OF CONTENTS NSCO PAGE Applications... 1 Billing Procedures... 2 Eligibility and Underwriting Requirements... 1 Features and Coverages... 3 Inland Marine Coverages...
More informationLEXINGTON INSURANCE COMPANY HO3 & DP3 UNDERWRITING GUIDELINES
LEXINGTON INSURANCE COMPANY HO3 & DP3 UNDERWRITING GUIDELINES June 2012 RISK CRITERIA HO3 & DP3 Minimum Limit - $500,000 in all Coastal Counties and Portion of Harris County. Minimum Limit - $150,000 in
More informationSPECIAL PROVISIONS NEW YORK
HOMEOWNERS HO 01 31 12 12 SPECIAL PROVISIONS NEW YORK SECTION I PROPERTY COVERAGES E. Additional Coverages 6. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money
More informationUTICA FIRST INSURANCE COMPANY ARTISANS PROGRAM NEW JERSEY
UTICA FIRST INSURANCE COMPANY RULES TABLE OF CONTENTS Eligibility Program Description Policywriting Instructions Definitions Premium Modifications Deductibles Premium Development Property Coverage Options
More informationEQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT
EQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT As respects this EQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT, this endorsement changes coverage provided by the BUSINESSOWNERS COVERAGE FORM BP 00 03 01 06.
More information1. Property must be in an insurable condition, well maintained, and show Pride of Ownership.
A. ACCEPTABLE RISK 1. Property must be in an insurable condition, well maintained, and show Pride of Ownership. 2. Owner Occupied including Secondary and Seasonal (must be occupied a minimum of five months
More informationNew York. November 11, Underwritten by Integon National Insurance Company
New York November 11, 2014 Underwritten by Integon National Insurance Company Table of Contents Contact Information... 1 Unacceptable Risks... 2 Coverages... 3 Discounts... 5 Surcharges... 6 Quote Information...
More informationAlabama Manufactured Home Program Manual
American Reliable Insurance Company Alabama Manufactured Home Manual 02/01/2016 New 02/01/2016 Renewal A####M#### A4435M0116 Quoting Procedure Binding Restrictions All quoting and issuance of policies
More informationProperty Loss Exposures and Policy Provisions
Property Loss Exposures and Policy Provisions After studying this chapter, you should be able to: List the types of property exposed to loss and the types of losses that can occur to the property Discuss
More informationNOTICE OF CONTRACT CHANGES TFPA ENDORSEMENTS
If your policy includes any of the endorsements listed below, we are making some changes to your contract coverage and conditions as part of policy revisions that affect all TFPA policies. These are outlined
More informationGeorgia Homeowners Program Manual
United National Insurance Company Georgia Homeowners Program Manual 12/01/2016 New 12/01/2016 Renewal A####M#### U6017M1116 Quoting Procedure Binding Restrictions All quoting and issuance of policies for
More informationRULES AND PROCEDURES FOR SUBMITTING APPLICATIONS
I. PURPOSE: The broad objective of the Association is to provide Wind, Hail, and Hurricane coverage, and when approiate, Fire and Malicious Mischief coverages on eligible property located south of the
More informationCommercial Property. Commercial Package Policy (CPP) The CPP is made up of:
Commercial Property... 2 Commercial Package Policy (CPP)... 2 Advantages to Packaging a Policy:... 2 The CPP is made up of:... 2 Coverage Parts... 2 The following are included on the CPP Common Declarations
More informationProperty Owners Insurance Proposal Form
Property Owners Insurance Proposal Form This proposal form is NOT for use by Commercial Customers If you do not answer any questions honestly, accurately or withhold information we may refuse to pay your
More informationTexas. Personal Auto Program SPECIALTY PERSONAL LINES. New Business: 12/15/2014 Renewal Business: 2/13/2015. Hallmark 123 Hallmark 612
SPECIALTY PERSONAL LINES Texas New Business: 12/15/2014 Renewal Business: 2/13/2015 Personal Auto Program Hallmark 123 Hallmark 612 BINDING AUTHORITY: AGENT S OBLIGATION It is the agent s obligation to
More informationAgent Name: Agent Address: Agent City: State: Zip Code: Agent Phone: Fax:
Builders Risk Quick Quote All QUESTIONS MUST BE ANSWERED! AGENT INFORMATION Agent Name: Agent Address: Agent City: State: Zip Code: Agent Phone: Fax: E-mail: INSURED INFORMATION Insured Name: Insured Mailing
More informationCOLONIAL GROUP,Inc. P.O. Box 4907 Greensboro, NC (336) (800) FAX: (336) South Carolina Dwelling Program
EFFECTIVE: 04/15/14 NEW 04/15/14 RENEWAL American Reliable Insurance Company South Carolina Dwelling Program THE COLONIAL GROUP,Inc. P.O. Box 4907 Greensboro, NC 27404-4907 (336) 855-1300 (800) 628-3762
More informationHOMEOWNERS PROGRAM MANUAL 1.1 GEORGIA
HOMEOWNERS PROGRAM MANUAL 1.1 GEORGIA New Business Effective 07/15/2018 Renewal Business Effective 09/15/2018 UNITED INSURANCE MANAGEMENT, LLC Managing General Agent NB Eff 07/15/2018 RB Eff 09/15/2018
More informationBinder Restrictions... UR-2 Binder Rules... UR-3 Builder s Risk Theft... RP-5 Business Property... F-4
HOMEOWNERS POLICY PROGRAM Table of Contents Page Accidental Discharge... F-3 ACV Roofing Coverage... F-6 Additional Living Costs and Loss of Rent... F-5 Amount of Insurance... UR-3 Annual Premium Schedule...
More informationOREGON MUTUAL INSURANCE GROUP MANUFACTURED HOME POLICY PROGRAM INDEX
INDEX General Instructions... MH-1 Basic Coverages and Limit of Liability... MH-1 Description of Coverage... MH-1 Deductible... MH-1 Application... MH-2 Binders... MH-2 Replacement Value Coverage C (H109)...
More informationKENTUCKY FAIR PLAN APPLICATION FOR HOMEOWNERS COVERAGE FORM HO-8
KENTUCKY FAIR PLAN APPLICATION FOR HOMEOWNERS COVERAGE FORM HO-8 PRODUCER INSTRUCTIONS INCOMPLETE APPLICATIONS WILL BE DELAYED AND/OR RETURNED BY THE FAIR PLAN IMPORTANT Returned applications create an
More informationCAUSES OF PROPERTY LOSS SECTION I - LOSSES WE COVER (BROAD NAMED PERILS) SECTION I - BROAD NAMED PERILS
SECTION I - LOSSES WE COVER (BROAD NAMED PERILS) SECTION I - BROAD NAMED PERILS LOSS DEDUCTIBLE CLAUSE We will pay only when a loss exceeds the deductible amount shown in the Declarations. We will pay
More informationNOTICE OF CONTRACT CHANGES TFPA ENDORSEMENTS
If your policy includes any of the endorsements listed below, we are making some changes to your contract coverage and conditions as part of policy revisions that affect all TFPA policies. These are outlined
More informationSTANDARD HOMEOWNER UNDERWRITING GUIDELINES. SHO - UW Guide
STANDARD HOMEOWNER UNDERWRITING GUIDELINES SHO - UW Guide I. GENERAL INSTRUCTIONS The Agent shall complete and submit the Texas Application for Homeowner s Insurance from the Agent Login section of Wellington
More informationRULES AND PROCEDURES FOR SUBMITTING APPLICATIONS
I. PURPOSE: The broad objective of the Association is to provide 1) Fire, Wind, Hail, and Malicious Mischief coverages on eligible property in the Gulf Front Area, Beach Area and Seacoast Area for those
More informationLANDLORDS PACKAGE POLICY PROGRAM. North Country Insurance Co. 4/07
LANDLORDS PACKAGE POLICY PROGRAM Insurance Co. 4/07 October 1998 INDEX DESCRIPTION RULE NO. PAGES Basic Policy Coverage and Limits 2 2 Eligibility 1 1 General Rules 3-a to 3-j 3-4 Mandatory Forms 2 2 Optional
More informationMECHANICAL PROTECTION PLAN (MPP)
MECHANICAL PROTECTION PLAN (MPP) STATE SPECIFIC DISCLOSURES Some states in which this Agreement is sold require certain additional disclosures or require amendments to the terms and conditions above. These
More information