ALLEGANY CO-OP INSURANCE COMPANY SPECIAL MULTI-PERIL POLICIES ALLEGANY CO-OP INSURANCE COMPANY COMMERCIAL FIRE

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1 ALLEGANY CO-OP INSURANCE COMPANY SPECIAL MULTI-PERIL POLICIES Binding Authority of Agents No Binding Authority Granted Due to the wide range of occupancies eligible for this program and the nonavailability of rates to the agency, all accounts must be submitted to the company for full underwriting analysis and negotiation of policy forms, deductibles, terms, and conditions. ACORD Policy Applications Allegany Co-Op exclusively uses the ACORD application format for all SMP submissions. The use of the ACORD format is an industry standard that will prepare the way for the day when we will be able to accept application transactions on line. We require a fully completed ACORD application that is signed both by the prospective insured and by the licensed agent. A clear photograph of all structures to be insured should be included. We will be unable to process or bind coverage where the application is unsigned or the information is not complete. Incomplete applications received without full information will be returned as unbound coverage. ALLEGANY CO-OP INSURANCE COMPANY COMMERCIAL FIRE Binding Authority of Agents No Binding Authority Granted Due to the wide range of building quality and/or occupancies eligible for these programs these risks require full underwriting analysis and negotiation of policy forms, deductibles, terms and conditions, and price. CGL / Commercial OL&T These lines of business are normally written in conjunction with fire policies and therefore the agent s binding authority follows the authority grant outlined under the fire portion of this manual. ACORD Policy Applications Allegany Co-Op exclusively uses the ACORD application format for all Fire submissions. The use of the ACORD format is an industry standard that will prepare the way for the day when we will be able to accept application transactions on line. We require a fully completed ACORD application that is signed both by the prospective insured and by the licensed agent. A clear photograph of all structures to be insured should be included. We will be unable to process or bind coverage where the application is unsigned or the information is not complete. Incomplete applications received without full information will be returned as unbound coverage. ED. 11/01/2004 1

2 ALLEGANY CO-OP INSURANCE COMPANY 2004 SMP AND COMMERCIAL FIRE LIABILITY RATES THE FOLLOWING RATES FROM THE URB GENERAL LIABILITY RATES WILL BE DEVIATED: (DEVIATED RATES ARE ON FILE WITH THE COMPANY). APARTMENT, TENEMENT, BOARDING, OR CLASS CODE ROOMING HOUSE BUILDING OR PREMISES NOC LESSORS RISK ONLY CLASS CODE CAR WASH CLASS CODE CEMETERIES-INCLUDING ALL BUILDINGS CLASS CODE CLUBS-INCLUDING LODGES NOC CLASS CODE GASOLINE PUMPS (NO SALES) CLASS CODE GLASS & GLASSWARE MFG (RATE SURCHARGE) CLASS CODE GREENHOUSES CLASS CODE HALLS- NOC CLASS CODE LAUNDRIES, COIN WASHING MACHINES AND DRYERS CLASS CODE PET GROOMING-EXCLUDING COMPLETED OPERATIONS CLASS CODE REAL ESTATE DEVELOPMENT PROPERTY CLASS CODE RESTAURANTS CLASS CODE RESTARAUNTS-CLOSED SEASON CLASS CODE SALES & SERVICE CLASS CODE TAVERN CLASS CODE CLASSIFICATIONS AND CODES FOR OWNERS, LANDLORDS, AND TENANTS POLICIES - (USED IN ADDITION TO URB CLASSIFICATION ASSIGNMENTS) ED. 11/01/2004 1

3 CLASSIFICATION SYM CODE (PRODUCTS/COMPLETED OPS) PRIVATE AUTOMOBILE STORAGE GARAGE PREMISES ONLY A N/A MOBILE HOME PARK RENTALS MORE THAN 1 MONTH U N/A MARKET OPEN AIR R N/A SPECIAL CLASSIFICATIONS AND CODES FOR MANUFACTURERS AND CONTRACTORS POLICIES- (USED IN ADDITION TO URB CLASSIFICATION ASSIGNMENTS) DISTRIBUTOR-NOC P FLORIST CONCESSION P POWER WASHING P VENDING COMPANIES P THE FOLLOWING SPECIAL RULE FOR ALLEGANY CO-OP INSURANCE COMPANY WILL BE USED IN RATING FROM THE URB GENERAL LIABIILTY RATE MANUAL: -IN UPSTATE NEW YORK TERRITORY COMPRISING ALL NEW YORK COUNTIES NORTH OF INTERSTATE ROUTE I-84 URB RATE TERRITORY 19 WILL BE USED TO DEVELOP THE PREMIUM. MECHANICAL, ELECTRICAL, OR PRESSURE SYSTEMS BREAKDOWN RULE 6AM. This added coverage is available for Commercial Fire policies and Special Multi-Peril policies issued by the company. FORMS APPLICABLE TO COMMERCIAL FIRE AND SPECIAL MULTI- PERIL POLICES: SF-345 (ED. 12/00) MECHANICAL, ELECTRICAL OR PRESSURE SYSTEM BREAKDOWN SF-346 (ED. 3/02) REINSTATMENT OF INSURANCE RATES: RATES ARE BASED ON TOTAL INSURED PROPERTY VALUES-PER LOCATION ED. 11/01/2004 2

4 Per Location TIV Rate Per Location $0-$100,000 $25. $100,001-$250,000 $45. $250,001-$400,000 $75. $400,001 and up $125. Rates are applied on a flat charge basis and are not subject to any policy discounts. ED. 11/01/2004 3

5 ALLEGANY CO-OP INSURANCE COMPANY DWELLING FIRE/CPL AND OLT 1-4 FAMILY DWELLINGS UNDERWRITING RULES AND GUIDELINES I. PROGRAM DESCRIPTION Allegany Co-op s Dwelling Fire Program has been designed for maximum flexibility to allow placement of a wide range of home construction types, ages, home values and occupancies in the program. The program seeks to recognize these varied risk characteristics through both selection criteria and pricing mechanisms. It is of utmost importance that agents using this program carefully follow program eligibility rules and product pricing rules. Fully completed applications with current and clear photographs of the property are minimum requirements to receive consideration by our underwriters. II. APPLICATION FORMS In order to underwrite this market segment Allegany Co-op requires the use of fully completed ACORD Dwelling Fire application forms that incorporate both a basic rating and policy information section and a complete underwriting section. In addition Allegany Co-op requires a completed and signed State of New York Anti-Arson Application as a required supplement for this program. This customized application needs to be completed in full in all instances even in territories where regulation does not require the use of the New York Anti-Arson application. Complete information allows Allegany s underwriting unit to handle this segment with minimal intervention. III. UNDERWRITING APPROACH Allegany s underwriting selection process applies basic C O P E underwriting criteria in assessing each risk. C O P E is a four part assessment process that evaluates each property based on the following merits: CONSTRUCTION--Construction type (frame, masonry veneer, masonry or other) is included in this analysis as well as an evaluation of the quality and integrity of the construction. This includes any updates of roof and roof coverings, wiring and electrical systems, plumbing and heating systems. The use of Allegany Co-op s Renovated Home Questionnaire (RHQ) can greatly assist in this analysis. OCCUPANCY Underwriters need to evaluate properties for the number of apartment or dwelling units as well as for the quality of the occupants as evidenced by both exterior and interior housekeeping around the property. Any unoccupied or vacant units or structures must be noted on the application for accurate rating and coverage grants.

6 PROTECTION The quality of each municipality s fire department is developed by insurance rating organizations. The protection classification shows the capability of each municipal fire department and the available water sources for fighting fires. Just as important is the internal protection provided for each property. Internal protection devices such as: Smoke Detectors-including hard wired systems on multiple family units 2. Dead Bolt Door Locks 3. Alarm Systems 4. Carbon Monoxide Detectors 5. Adequate Fire Escapes on multi-story dwellings 6. Emergency Lighting in Hallways These devices are all important means for protecting dwelling properties and their inhabitants. EXPOSURES The proximity of vacant and uncontrolled commercial or residential buildings requires special underwriting care. Allegany Co-op does not write property where exposing properties are either vacant, or in poor condition. Such conditions raise the potential for exposure losses. The application forms should note the distance from the subject home and description of all exposing properties that are in either poor condition or are unoccupied. PROPERTIES REQUIRING PRIOR COMPANY UNDERWRITING APPROVAL BEFORE BINDING The following situations require full underwriting review before binding authority can be exercised. This review enables smooth business flows with a minimum of coverage or binding disputes. Without prior company approval the following types of property cannot be bound. 1. Dwellings that have been cancelled or non-renewed by another company or by Allegany Co-op during the past 5 years; 2. Dwellings that are vacant or are unoccupied at the time of binding or submission to the company; 3. Dwellings where the insured is known to have poor premium payment history; 4. Properties where there is any horse exposures or animal boarding on premises. For any property where there is the presence of large farm animals, special underwriting consideration must be given. The condition of fences, the proximity of animals to roadways, and the knowledge and experience of the owners in caring for and handling these animals are all important considerations. Our underwriters will need full disclosure about these animals.

7 PROPERTIES WITH UNACCEPTABLE EXPOSURES The following exposures are unacceptable to the company. The company underwriting staff will reject coverage for these exposures Vacant properties that do not have a plan for sale or future occupancy or in instances where no one is managing and regularly checking the property. 2. Homes with substandard maintenance The company makes a concerted effort to conduct inspections of all habitational properties when written as new business and also will conduct periodic follow-up inspections on renewals. Elements of substandard maintenance can be readily observed. Some of the common items indicating that a dwelling will not meet the company s underwriting standards are the following: a. Poor Housekeeping both in the exterior and the interior of the property. Evidence of trash and junk lying around the premises is cause for concern; b. The presence of any homemade wood burning stoves or furnaces or unapproved installation of solid fuel burning systems; c. Deteriorated Roof conditions Look for excessive build-up of moss, curled or missing shingles, extensive roof patching and general roof covering brittleness; d. Electrical System Problems Observe uncovered junction boxes, use of extension cords, temporary wiring, outdated and low amp electrical services that cannot handle modern electrical demands; e. Plumbing System Problems Watch for any signs of water damage to floors, ceilings and walls, presence of outdated plumbing fixtures or incomplete or inadequate plumbing repairs; f. Liability Hazards Lack of handrails, broken or rotted porch floors, torn carpeting, broken chimneys, raised sidewalks, unsecured antennas and inadequate rain gutters or gutter discharges on steps and walkways are all liability hazard concerns that need to be addressed; g. Wood burning appliances are not permitted in tenant occupied properties. h. Swimming Pools are not permitted on tenant occupied premises. 3. Homes with unfenced in-ground swimming pools New York State law requires all in-ground swimming pools be protected with adequate fences and self locking-self-closing gates. Regulation part 744 and (f) of the New

8 4. York State Uniform Fire and Building Code requires a high degree of care on the part of in-ground pool owners. Allegany Co-op will not write tenant occupied risks with any pool exposure on premises. For owner occupied dwellings the company will insure only pools that meet the protection requirements of the regulation. Diving Board exposures are not permitted. 4. Dog Breed and Dog Disposition No homeowner will readily admit that their own dog may be a hazard, however a sizeable percentage of liability claims for dwellings are paid for dog bite claims. Any aggressive dogs whether owned by a property owner or a tenant must be noted on the application. Dog breed for any dogs must also be noted. The following breeds are known to be aggressive. a. Rottweiller b. Pit Bull c. Doberman d. Siberian Husky e. German Shepard f. Akita g. Chow Any dog can be aggressive and the training and discipline exercised by the owner is a factor as important as a breed of dog. Allegany Co-op inspectors are required to note on their reports of any aggressive behavior exhibited by dogs regardless of dog breed. The company reserves the right to decline or to non-renew policies where aggressive dogs have been reported. The company may require a signed dog exclusion that excludes any coverage for claims arising out of the ownership, care, or control of dogs around the dwelling if the underwriter makes any exception with regard to dog breeds and disposition. 5. Bankruptcy during the past 5 years Any bankruptcy filing by an insured within the past 5 years will make the account unacceptable. 5. Submissions where the application information is incomplete. IV. PROPERTY VALUATION AND MARKET VALUE CONSIDERATIONS Under Allegany s Dwelling Fire Program coverage is only offered on an ACTUAL CASH VALUE BASIS. Due to the fact that a majority of properties insured under this program will be older properties having a reduced or limited market value Allegany Coop will only insure Coverage A values of up to 1.5 times the current market value for

9 5. occupied properties and only at current market value for unoccupied or vacant properties otherwise qualifying for coverage. We will establish market value based on either current price paid plus any improvements for recently purchased properties or by valuing other substantially similar properties held for sale in the neighborhood area of the property being insured. Since the dwelling property form does not have a coinsurance provision, partial losses are settled based on a flat ACV loss settlement. Where additional living expense or Loss of Rents Coverage is desired, the Coverage A Dwelling Value should be increased by + 10% since this coverage is determined at either 10% of Coverage A or 20% of Coverage C and is included in the basic policy form. IV. AGENT S BINDING AUTHORITY FORM 1 BASIC PERILS Minimum Coverage A $ 15,000. Maximum Coverage A $ 200,000. FORM 2 BROAD PERILS Minimum Coverage A $ 25,000 Maximum Coverage A $ 225,000 LIABILITY COVERAGE Occupied Dwellings $300,000 Vacant or Unoccupied $100,000 V. RATING SEQUENCE 1. Classify residence by construction type, age, territory zone, and public protection available. 2. Consult rate table to obtain appropriate rate per thousand for coverage s A-D. 3. Apply any rate surcharges. 4. Apply deductible credit or debit to the rate per thousand to multiply to coverage amount to get a base premium. 5. Add premium for higher liability with medical payments. Examples: $4.50/k x $50,000 = $225 Base Premium $4.50/k x (5% deductible credit) = $4.27/k x $50,000 = $214 Base Premium Vacant Dwelling Example: $4.50 x $4.50 = $9.00 x (5% deductible credit) = $8.55/k x $50,000 = $428 Base Premium

10 Territorial Zones: Zone 1 All of state except Richmond, Queens, New York, Bronx, and Kings Kings Counties and Cities in Zone 2. Zone 2 All Listed: Albany Auburn Binghamton Buffalo Niagara Falls Rochester Schenectady Syracuse Troy Utica Suffolk County Eastern Nassau County

11 ALLEGANY CO-OP INSURANCE COMPANY 2007 FIRE RATES RATES ARE SHOWN AT $500 DEDUCTIBLES. OTHER DEDUCTIBLES ARE AVAILABLE USING THE DEDUCTIBLE % TABLES RATES ARE PER $1000. OF COVERAGE AND APPLY TO COVERAGES A, B, C, & D NOTE: MINIMUM COVERAGE A FOR FL-1 PERILS IS $15,000. FL-1-NAMED PERILS--ZONE 1 MASONRY OR FRAME 1 & 2 FAMILY CONSTRUCTED SINCE 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 3.00 HIGHLY PROTECTED $ 4.50 PROTECTED 3.25 PROTECTED 4.95 SEMI-PROTECTED 4.10 SEMI-PROTECTED & 2 FAMILY CONSTRUCTED PRIOR TO 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 3.30 HIGHLY PROTECTED $ 5.00 PROTECTED 3.60 PROTECTED 5.45 SEMI-PROTECTED 4.50 SEMI-PROTECTED & 4 FAMILY CONSTRUCTED SINCE 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 3.70 HIGHLY PROTECTED $ 5.60 PROTECTED 4.05 PROTECTED 6.20 SEMI-PROTECTED 5.10 SEMI-PROTECTED & 4 FAMILY CONSTRUCTED PRIOR TO 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 4.15 HIGHLY PROTECTED $ 7.00 PROTECTED 4.45 PROTECTED 7.70 SEMI-PROTECTED 6.40 SEMI PROTECTED 9.60 WIND RATE--$.50 FOR ALL PROTECTION CLASSES OWNER OR TENANT ALL POLICIES ARE SUBJECT TO A MINIMUM EARNED OR RETAINED PREMIUM OF $100 ED. 6/01/2007

12 ALLEGANY CO-OP INSURANCE COMPANY 2007 FIRE RATES RATES ARE SHOWN AT $500 DEDUCTIBLES. OTHER DEDUCTIBLES ARE AVAILABLE USING THE DEDUCTIBLE % TABLES RATES ARE PER $1000. OF COVERAGE AND APPLY TO COVERAGES A, B, C, & D NOTE: MINIMUM COVERAGE A FOR FL-2 PERILS IS $25,000. FL-2-NAMED PERILS--ZONE 1 MASONRY OR FRAME 1 & 2 FAMILY CONSTRUCTED SINCE 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 4.35 HIGHLY PROTECTED $ 6.50 PROTECTED 4.70 PROTECTED 7.15 SEMI-PROTECTED 5.95 SEMI-PROTECTED & 2 FAMILY CONSTRUCTED PRIOR TO 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 4.80 HIGHLY PROTECTED $ 7.25 PROTECTED 5.20 PROTECTED 7.90 SEMI-PROTECTED 6.50 SEMI-PROTECTED & 4 FAMILY CONSTRUCTED SINCE 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 5.35 HIGHLY PROTECTED $ 8.10 PROTECTED 5.90 PROTECTED 9.00 SEMI-PROTECTED 7.40 SEMI-PROTECTED & 4 FAMILY CONSTRUCTED PRIOR TO 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 6.00 HIGHLY PROTECTED $ PROTECTED 6.45 PROTECTED SEMI-PROTECTED 9.30 SEMI PROTECTED WIND RATE-- $.50 FOR ALL PROTECTION CLASSES OWNER OR TENANT ALL POLICIES ARE SUBJECT TO A MINIMUM EARNED OR RETAINED PREMIUM OF $100 ED. 6/01/2007

13 ALLEGANY CO-OP INSURANCE COMPANY 2007 FIRE RATES RATES ARE SHOWN AT $500 DEDUCTIBLES. OTHER DEDUCTIBLES ARE AVAILABLE USING THE DEDUCTIBLE % TABLES RATES ARE PER $1000. OF COVERAGE AND APPLY TO COVERAGES A, B, C, & D NOTE: MINIMUM COVERAGE A FOR FL-1 PERILS IS $15,000. FL-1-NAMED PERILS--ZONE 2 MASONRY OR FRAME 1 & 2 FAMILY CONSTRUCTED SINCE 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 3.60 HIGHLY PROTECTED $ 5.40 PROTECTED 3.90 PROTECTED 5.95 SEMI-PROTECTED SEMI-PROTECTED & 2 FAMILY CONSTRUCTED PRIOR TO 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 4.00 HIGHLY PROTECTED $ 6.00 PROTECTED 4.30 PROTECTED 6.55 SEMI-PROTECTED SEMI-PROTECTED & 4 FAMILY CONSTRUCTED SINCE 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 4.45 HIGHLY PROTECTED $ 6.70 PROTECTED 4.90 PROTECTED 7.45 SEMI-PROTECTED SEMI-PROTECTED & 4 FAMILY CONSTRUCTED PRIOR TO 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 5.00 HIGHLY PROTECTED $ 8.40 PROTECTED 5.35 PROTECTED 9.25 SEMI-PROTECTED SEMI PROTECTED WIND RATE--$.50 FOR ALL PROTECTION CLASSES OWNER OR TENANT ALL POLICIES ARE SUBJECT TO A MINIMUM EARNED OR RETAINED PREMIUM OF $100 ED. 6/01/2007

14 ALLEGANY CO-OP INSURANCE COMPANY 2007 FIRE RATES RATES ARE SHOWN AT $500 DEDUCTIBLES. OTHER DEDUCTIBLES ARE AVAILABLE USING THE DEDUCTIBLE % TABLES RATES ARE PER $1000. OF COVERAGE AND APPLY TO COVERAGES A, B, C, & D NOTE: MINIMUM COVERAGE A FOR FL-2 PERILS IS $25,000. FL-2-NAMED PERILS--ZONE 2 MASONRY OR FRAME 1 & 2 FAMILY CONSTRUCTED SINCE 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 5.20 HIGHLY PROTECTED $ 7.85 PROTECTED 5.65 PROTECTED 8.65 SEMI-PROTECTED SEMI-PROTECTED & 2 FAMILY CONSTRUCTED PRIOR TO 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 5.80 HIGHLY PROTECTED $ 8.70 PROTECTED 6.25 PROTECTED 9.50 SEMI-PROTECTED SEMI-PROTECTED & 4 FAMILY CONSTRUCTED SINCE 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 6.45 HIGHLY PROTECTED $ 6.70 PROTECTED 7.10 PROTECTED SEMI-PROTECTED SEMI-PROTECTED & 4 FAMILY CONSTRUCTED PRIOR TO 1940 OWNER OCCUPIED TENANT OCCUPIED HIGHLY PROTECTED $ 7.25 HIGHLY PROTECTED $ PROTECTED 7.75 PROTECTED SEMI-PROTECTED SEMI PROTECTED WIND RATE--$.50 FOR ALL PROTECTION CLASSES OWNER OR TENANT ALL POLICIES ARE SUBJECT TO A MINIMUM EARNED OR RETAINED PREMIUM OF $100 ED. 6/01/2007

15 ALLEGANY CO-OP INSURANCE COMPANY 2007 FIRE RATE MANUAL DEDUCTIBLE PLAN: $ % RATE SURCHARGE % RATE SURCHARGE 500 STANDARD RATES % RATE CREDIT % RATE CREDIT SPECIAL RULES & RATES: MOBILE HOME RULE Add $ 1.70 to the applicable one family dwelling fire rate. MOBILE HOME WIND COVERAGE Use 1.70 per $1000 of Coverage A. SEASONAL DWELLINGS RATE:Minimum $1000 deductible FL-2 with Prior Approval $ 7.70 per $1000. Fire $ 1.00 per $1000. Wind $20.00per $1000 Theft Prior approval only VACANCY SURCHARGES: Partial Vacancy- 50% of Applicable Fire Rate. Vacancy- 100% of Applicable Fire Rate. CONTENTS IN STORAGE UNITS: FL-2 $6.00 per $1000. Fire-excludes theft coverage. FL-3 $8.00 per $1000. Fire-includes theft coverage under the FL-31BT. ALL POLICIES ARE SUBJECT TO A MINIMUM EARNED OR RETAINED PREMIUM OF $100 ED. 6/01/2007

16 ALLEGANY CO-OP INSURANCE COMPANY 2007 FIRE RATE MANUAL SPECIAL RULES & RATES CONTINUED BARN RATES: $9.00 per $1000. Fire $2.50 per $1000. Wind $6.00 per $1000. Collapse (on approved barns) Barns with Heat-add $2.00 to the fire rate. Barns with ML approved Lightning Rods- $8.00 per $1000. Fire Dairy Free Stall Barns, superior type, one story, continuous masonry foundation, no hay or straw, no heat, in excellent condition, enclosed on all four (4) sides: $5.00 per $1000. Fire $2.00 per $1000. Wind $4.50 per $1000. W/ML Rods $2.00 per $1000. Wind SILOS: Masonry/Minimum Coverage $5,000 $9.00 per $1000. Fire $9.00 per $1000. Wind Harvester/Minimum Coverage $5,000 $5.00 per $1000. Fire $2.00 per $1000. Wind LIVESTOCK: $3.00 per $1000. Fire $.50 Per $1000. Wind MOBILE MACHINERY: $4.00 per $1000. Fire $.60 per $1000. Wind CREDITS: Approved ML Rod- Smoke Detectors- Fire Extinguisher- Central Station Alarm- 5% Credit 2% Credit 2% Credit 10% Credit Credits apply to Fire rate only. 10% maximum allowed credit. ED. 6/01/2007

17 ALLEGANY CO-OP INSURANCE COMPANY 2007 FIRE RATE MANUAL TIER II PROGRAM This program is available for dwellings that would not normally be accepted by the company underwriter because there are certain unacceptable exposures present or there are conditions that would normally require prior underwriting approval. There is no agency binding authority granted for Tier II application submissions. The underwriter must give prior approval before binding. The following are conditions that will require Tier II submissions: 1. Policies where the insured has had a poor premium payment history and cancellation for non-payment of premiums. 2. Properties having some elements of poor housekeeping either on the exterior or in the interior of the dwelling. 3. Deteriorated roof and rain gutters where there is definite lack of ongoing maintenance present. 4. Prior insured loss experience at the insured location or at other locations owned by the insured entity. Loss experience in excess of two or more prior paid claims within the past five years will be placed in the Tier II program. Rates for Tier II are Standard Tier Fire rating for the policy plus 50% of each of the rates that make up the policy premium. Ed. 10/01/2007 ED. 6/01/2007

18 Below Premiums are Applicable to FL-1 and FL-2 Policies Only Zone 1 CPL/1 & 2 Family OLT/1 & 2 Family Liability Limit Premium Liability Limit Premium $25, $25, $50, $50, $100, $100, $200, $200, $300, $300, $500, $500, $1,000, $1,000, Each additional $500 medical add $3.00 OLT/3 Family Med Pay $1000/25000 Med Pay $1000/25000 Liability Limit Premium Liability Limit Premium $25, $25, $50, $50, $100, $100, $200, $200, $300, $300, $500, $500, $1,000, $1,000, Zone 2 CPL/1 & 2 Family ALLEGANY CO-OP INSURANCE COMPANY DWELLING FIRE CPL, FCPL, AND OLT RATES OLT/4 Family OLT/1 & 2 Family Liability Limit Premium Liability Limit Premium $25, $25, $50, $50, $100, $100, $200, $200, $300, $300, $500, $500, $1,000, $1,000, Each additional $500 medical add $3.00 OLT/3 Family Med Pay $1000/25000 OLT/4 Family Med Pay $1000/25000 Liability Limit Premium Liability Limit Premium $25, $25, $50, $50, $100, $100, $200, $200, $300, $300, $500, $500, $1,000, $1,000, ED.6/01/207

19 FCPL ALLEGANY CO-OP INSURANCE COMPANY DWELLING FIRE CPL, FCPL, AND OLT RATES Below Premiums are Applicable to FL-1 and FL-2 Policies Only Acres Acres Over 500 Acres Liability Limit Premium Liability Limit Premium Liability Limit Premium $25, $25, $25, $50, $50, $50, $100, $100, $100, $300, $300, $300, $500, $500, $500, Each additional $500 medical add $3.00 Add'l Farm Premises Farm Premises-Rented Liability Limit Premium Liability Limit Premium $25, $25, $50, $50, $100, $100, $300, $300, $500, $500, Each additional $500 Medical Add $1.00 Animal Collision: $15.00 Per Policy OLT/Farm Acres Med Pay $1000/ Acres Med Pay $1000/25000 Liability Limit Premium Liability Limit Premium $25, $25, $50, $50, $100, $100, $200, $200, $300, $300, $500, $500, $1,000, $1,000, Over 500 Acres Liability Limit Premium $25, $50, $100, $200, $300, $500, $1,000, ED.6/01/207

20 ALLEGANY CO-OP INSURANCE COMPANY HOMEOWNERS UNDERWRITING RULES AND GUIDELINES I. UNDERWRITING RULES A. BINDING AUTHORITY OF AGENTS Homes that have been reviewed by agents of Allegany Co-op and that do not fall under the list of either Unacceptable Exposures or that fall under the list of Exposures Requiring Prior Underwriting Approval may have coverage bound for the following maximum limits. Any limits exceeding these maximums must be submitted to the company on a Prior Company Approval basis. Replacement Cost Coverage Coverage A. Up to $300,000 Coverage C. Up to $225,000 Personal Liability Limit Up to $500,000 Medical Payments Limit Up to $5000/ $25,000 Actual Cash Value (ACV) Coverage Coverage A. Up to $ 150,000 Coverage C. Up to $ 125,000 Liability and Medical Payments Same as Replacement Cost B. PROPERTIES REQUIRING PRIOR COMPANY APPROVAL BEFORE BINDING COVERAGE The following situations require underwriting review before binding coverage to so that disputes with regard to pricing or coverage acceptability can be avoided. Without prior company approval the following may not be bound. 1. Homes or Prospective Insured s having been cancelled or non-renewed by another company or by Allegany Co-op during the past 5 years. 2. Homes that are or will be unoccupied for extended periods exceeding 3 months. 3. Homes that are currently for sale and are actively listed by the insured or by real estate agents. 4. Homes that have more than one boarder in residence. 5. Homes having horse exposures or farming operations being conducted on the insured premises. 6. Homes where there has been a lapse in coverage for any period of time. 7. Homes where the insured is known to have poor premium payment history or coverage lapses. 8. Homes under construction may be written under the Standard program providing that the home will be completed and occupied by the Insured within 120 days of the original application. During the construction phase no discounts of any kind will be granted. ED. 11/01/2004 1

21 C. UNACCEPTABLE EXPOSURES The following homeowners exposures are unacceptable to the company. The company underwriting staff will not permit homeowners coverage for these kind of exposures. 1. Homes that are vacant; 2. Homes having substandard maintenance The company makes a practice of conducting safety inspections on selected new business periodically on renewals. Elements of substandard maintenance can be readily observed. Some of the common items indicating that the home will not meet the company s underwriting standards are the following. a. Poor housekeeping both exterior and interior look for the presence of trash and junk lying around the property; b. The presence of any homemade wood burning stoves or furnaces; c. Deteriorated roof condition watch for build up of moss, curled or missing roof shingles evidence of extensive roof patching; d. Evidence of electrical system problems uncovered breaker boxes or junction boxes, use of extension cords, temporary wiring, over fusing, outdated or inadequate wiring and service; e. Evidence of plumbing problems water damage to floors, ceilings and walls, outdated plumbing fixtures, evidence of incomplete plumbing repairs; f. Liability hazards lack of handrails, broken or rotted porch floorboards, torn carpeting, broken chimneys, raised sidewalks and insecure television antennas. 3. Homes with unfenced in-ground pools New York State law requires that all in-ground pools have adequate fences with self-closing locking gates. Regulation part 744 and (f) of the New York State Uniform Fire and Building Code requires a high degree of care on the part of in-ground pool owners. The exposure to small children makes an unfenced in-ground pool an uninsurable hazard. 4. Pools with diving boards. 5. Dog Breed and Disposition No insured will readily admit that their dog may be a hazard, however a sizable percentage of homeowners loss dollars are paid for dog bites. Any aggressive dogs must be noted on the application along with the breed of any dogs owned by the insured. The following breeds are known to be aggressive. These breeds will be considered only in rare circumstances: ED. 11/01/2004 2

22 a. Rotweiller b. Pit Bull c. Doberman d. Siberian Husky e. German Shepard f. Chow g. Akita Any dog can be aggressive and the training and discipline exercised by the owner is a factor as important as the breed of the dog. Allegany Co-op inspectors are required to note on reports any aggressive behavior exhibited by dogs without regard to the breed. The company reserves the right to decline or non-renew policies where aggressive dogs have been reported. The company requires a signed dog exclusion, excluding claims arising out of the ownership, care, or control of dogs in the household if the Underwriter makes an exception with regard to dog breeds and disposition. 6. Horses, Cattle and Large Animals Whenever there are large farm animals located at the insured premises, special underwriting consideration must be made. The condition of fences, the proximity of animals to traveled roadways, and the knowledge and experience of the owners in caring for and handling these animals are all factors to consider when underwriting the exposures. Our underwriters will need additional information with regard to these items in order to grant binding authority. If the exposure more than a minor one the account will be referred to our commercial farmowners underwriting unit for consideration under the farm program. 7. Homes where the insured is known to have poor financial Management- Bankruptcy within the prior 5 years. 8. Submissions where the application information is not complete. II. UNDERWRITING GUIDELINES Allegany Co-op is able to insure a wide range of homes under its preferred, standard and nonstandard programs. The company uses URB policy forms and has developed these underwriting guidelines to assist its agents in selecting both the pricing track and the coverage program best suited for those homes that fall into the acceptable risk range. The company s underwriting knowledge of the Upstate New York marketing region combined with attractive pricing and superior levels of policy and claims service makes Allegany Co-op the right choice for homeowners insurance. ED. 11/01/2004 3

23 ACORD POLICY APPLICATIONS Allegany Co-op exclusively uses the ACORD application format for all Homeowners submissions. The use of the ACORD format is an industry standard that will prepare the way for the day when we will be able to accept application transactions on line. We require a fully completed ACORD application that is signed both by the prospective insured and by the licensed agent. We will be unable to process or bind coverage where the application is unsigned or the information is not completed. Incomplete applications received without full information will be returned as unbound coverage. REPLACEMENT COST AND ACV OPTIONS Allegany Co-op offers both Replacement Cost and Actual Cash Value Options under its Standard and Non-Standard Programs. Certain homes with relatively low Coverage A values may be accommodated under the ACV program. It is important to note that low valued properties must be correctly evaluated for both their condition and coverage amounts. A current edition cost estimator will develop the replacement cost estimate and must be completed. A depreciation table is used to develop an appropriate ACV amount. Homes that are more than 35 years of age but are otherwise in good condition must have had the following renovations in order to be considered for Replacement Cost Coverage. 1. Roof Covering Replacement within the past 15 years; 2. Electrical System updated with a modern breaker system and a minimum 100 amp service within the past 30 years; 3. Heating system substantially renovated or replaced within the past 25 years; 4. Plumbing system updates with PVC or copper pipes within the past 35 years. *Note: Presence of any galvanized water pipes will require ACV coverage.* Homes that have not met these minimum update requirements will be considered only for Actual Cash Value (ACV) coverage. Use Allegany s Renovated Home Questionnaire RHQ Ed. 1/98 to qualify older homes for replacement cost coverage and the appropriate updated credits applicable under the Standard Homeowners Program. Whenever the home qualifies for Replacement Cost Coverage Allegany Co-op requires that homes be insured for at least 90% of Replacement Cost for the Preferred Alley Cat Program and at least 80% of Replacement Cost for the Standard Program. For Actual Cash Value Policies insured under the Standard Homeowners Program, these homes should be insured for at least 80% of the Actual Cash Value amount as determined by use of the Depreciation Table on the Square Foot Cost Estimator Worksheet. Coverage for lesser amounts may be insured under the Dwelling Fire Insurance Program when the physical risk characteristics are acceptable. RURAL PROPERTIES The Upstate New York market region includes a significant rural population. Insuring homes in rural areas presents some unique exposures in addition to those usual to homes insured in suburban or urban areas. The presence of farm animals, farm structures and part time business ventures operating from the home may make other forms of insurance ED. 11/01/2004 4

24 coverage necessary. Our underwriters will be happy to assist you in determining if homeowners coverage is appropriate or if the account needs to be insured under the Farm Program or with a supplemental commercial policy. With many small farms now having been converted to residential property, the existence of farm barns and structures beyond the normal appurtenant structure is a real possibility. Allegany Co-op has developed a form that excludes coverage for such farm barns to make it clear that the homeowners policy do not cover such farm barns and structures under Coverage B of the Homeowners Policy. Separate fire insurance policies can be purchased to provide coverage for farm barns and structures that are in insurable condition. TRAMPOLINES The injury potential that exists because of the popular trampoline is uninsurable. Allegany Co-op uses the Trampoline Exclusion on all of its homeowners policies. Please advise all of your clients that the Allegany homeowner policy will not respond to claims arising out of the presence or use of trampolines. SOLID FUEL HEATING SYSTEMS Many homes in the New York State Marketing region use solid fuel (wood or coal) supplemental heating systems. Allegany Co-op has successfully underwritten this additional exposure by use of inspections and the Allegany Check List For A Safe Wood Stove Installation. The homeowner product may be used where solid fuel heating systems provide the primary or sole source of heat in the home when the policy is written using the ML-1 form with an ACV valuation. The preferred Alley Cat III product may only be written where there are properly installed wood pellet stoves or wood burning fireplaces as supplemental solid fuel heat sources. For all solid fuel heating proper installation and ongoing maintenance are critical both for life safety and for property preservation. INDIVIDUAL EXPOSURES This underwriting guideline is produced to assist agents in determining how the company views common issues and exposures related to the homeowners line of business. An underwriting guideline is not an exhaustive list of every possible issue or situation that arises. If you have any questions or you perceive that an exposure may create a problem please call our underwriting department for some dialogue and assistance. ED. 11/01/2004 5

25 Rule No. 1. ELIGIBILITY: ALLEGANY CO-OP INSURANCE COMPANY **HOMEOWNERS POLICY PROGRAM SEASONAL HOMEOWNERS PROGRAM** The Homeowners Policy Program contains rules, classifications, rates and premiums for writing property and liability insurance to: 1. The owner-occupant of a dwelling used only for private residential purposes. 2. A tenant (non-owner) of a dwelling, apartment, or to the owner of a Condominium Unit if the residence occupied by the insured is used for residential purposes. 3. One of the co-owners provided each occupies separate apartments within the dwelling. A tenant policy may be issued to the other co-owner. 4. Cover the interests of the intended owner-occupant of a dwelling under construction. 5. Cover a seasonal dwelling (seasonal occupancy shall be so identified on the Declaration Page.) 6. *Manufactured Homes that sit on foundation slab at least 4 thick with support piers extending below frost line and enclosed with skirting OR masonry footers set below frost line with appropriate masonry foundation walls extending upward at least 12 above ground level. Double Wide Mobile Homes less than 15 years of age with a minimum of $50,000 for Coverage A and set on a permanent foundation may be insured under the Standard Program. A policy may only be issued where the main residence insured: 1. Is used exclusively for residential purposes (except for those incidental occupancies permitted by this manual and which have been declared and the appropriate premium charge made); and 2. Contains no more than two families with no more than two roomers or boarders per family. INELIGIBLE RISKS: 1. Mobile Homes, trailer homes or modular homes not set on permanent foundations refer to Mobile Home Program. 2. Property to which farm forms or rates apply. **See Separate Rate Pages ED. 11/01/2004 1

26 Optional property and liability endorsements or coverages are made available in the following manual sections: OPTIONAL PROPERTY COVERAGES & ENDORSEMENTS OPTIONAL LIABILITY COVERAGES & ENDORSEMENTS 2. BASIC POLICY COVERAGE AND LIMITS: The homeowners policy provides coverage and minimum limits of liability as follows: Section I Form Form Form Form Coverages ML-1 ML-2 ML-3 ML-4 1. Residence $25,000. $25,000. $50, Private 10% of 10% of 10% of Structures Limit of Limit of Limit of Residence Residence Residence 3. Personal 50% of 50% of 50% of $7,000. Property Limit on Limit on Limit on Residence Residence Residence 4. Additional 10% of 20% of 20% of 40% of Living Limit on Limit on Limit on Limit on Expense & Residence Residence Residence Personal Loss of Rents Property Section II Coverages L. Personal Liability (ML-9) $25,000 Each Occurrence M. Medical Payments $500 Each Person ED. 11/01/2004 2

27 The Basic Form (ML-1) insures against the following perils: Fire or Lightning Windstorm or Hail Explosion Riot or Civil Commotion Aircraft Vehicles Sudden and Accidental Damage from Smoke Vandalism Glass Breakage Theft Broad Form (ML-2), Special Form (ML-3), Tenants Form (ML-4), are also available, (see forms for perils that apply). Premium for all forms are shown in the Homeowners Premium Table. MANDATORY FORMS - The following forms are mandatory: Section I ML-20, PERILS SECTION (ML-1,2,3 or 4) Section II ML-9 PERSONAL LIABILITY 3. GENERAL RULES: 3-a CANCELLATION - If the insurance is canceled or reduced at the request of the company or the insured, the earned premium shall be computed on a pro-rata basis. 3-b CONTINUOUS RENEWAL (ML-430) If policy is written on a continuous renewal basis, attach ML-430. The installment premium shall be the annual premium as shown in this manual. 3-c CONTRIBUTING INSURANCE (ML-178) Coverage may be divided between two or more companies using the rates, rules, forms and endorsements of this manual. 3-e INTERPOLATION - To determine the premium for an amount of insurance between two amounts shown in the premium table, add the pro-rata premium for the difference between the nearest amounts shown to the premium for the lower amount. ED. 11/01/2004 3

28 3-f MAXIMUM & MINIMUM CHARGES - No additional premium shall be charged and no return premium shall be allowed when such additional or return premium is less than $ g RATE REVISIONS - Minimum Earned/Retained Policy Fee - $ The revised rates shall apply to all policies, endorsements and binders having inception dates on and subsequent to the effective date of revisions, except that renewals of policies having inception dates within 45 days after the date of announcement, may be written at the rates prevailing immediately prior to announcement of revisions 3-h RESTRICTION OF INDIVIDUAL POLICIES - If a policy would not be issued because of unusual exposures, the applicant may request a restriction of the policy at no reduction in the premium. The request, bearing the signature of the applicant, shall be referred to the Company. 3-j WHOLE DOLLAR PREMIUM - 4. RATING: The premium for each exposure shall be rounded to the nearest whole dollar, separately for each coverage provided by the policy. A premium involving 50 cents or more shall be rounded to the next higher whole dollar. All premiums in this Manual are ANNUAL per $1000. of Insurance unless otherwise specified(exception; Alley Cat - See rate pages). The Basic policy premiums are for property and liability coverages for exposures arising from the residence and the personal liability of an insured. ED. 11/01/2004 4

29 PROPERTY & LIABILITY COVERAGES: 4-a-1 Determine the Basic Policy Premium based upon the amount of Coverage A or C. This basic premium shall reflect revised limits of Coverage C. 4-a-2 Apply deductible debits or credits. 4-a-3 Modify the amount in 1. by premium credits or charges - Section I - Property Coverages. 4-a-4 Add premiums for higher liability limits and optional liability c coverages. 4-b Add any other premiums for coverages that are written with this policy. 4-c Total premium is determined by adding the amounts calculated in 4-a & 4-b. CONSTRUCTION - 4-d FRAME - A building shall be classified as frame when the wall area of frame, metal-sheathed or stucco construction exceeds 33 1/3% of the total exterior wall area. 4-e MASONRY - A building shall be classified as masonry when more than 66 2/3% of the exterior wall area is of masonry or masonry veneered construction. PROTECTION - 4-f PROTECTED - Building is located within 1000 feet of an approved fire hydrant and is within 5 road miles of a responding fire department. 4-g SEMI-PROTECTED - Building is located more than 1000 feet of an approved fire hydrant and is within 5 road miles of a responding fire department. 4-h UNPROTECTED - All Other. ED. 11/01/2004 5

30 RESIDENCE REPLACEMENT COST / ACTUAL CASH VALUE PROVISION 4-i REPLACEMENT COST - Replacement Cost premiums are to be used when the residence is insured for at least 80% of the Replacement Cost. Losses will be settled according to the Replacement Cost Provision. 4-j ACTUAL CASH VALUE - The Actual Cash Value premiums are to be used when the residence is insured for less than 80% of the replacement cost. Losses will be settled on an actual cash value basis including deduction for depreciation. 5. OPTIONAL SECTION I - COVERAGES & ENDORSEMENTS: 5-a ADDITIONAL LIVING EXPENSE - Enter total amount of coverage on policy face. Coverage in excess of the amount provided shall be charged at the premium shown in the Premium Section of the manual. 5-b BUILDING ADDITIONS AND ALTERATIONS (ML-4 ONLY) (ML-51) Coverage in excess of the amount provided shall be charged at the premium shown in the Premium Section. 5-c CONDOMINIUM UNIT-OWNERS SUPPLEMENTAL COVERAGES: 5-c-1 UNIT-OWNERS ADDITIONS AND ALTERATIONS (ML-31) The limit of liability may be increased at the premiums shown in the Premium Section of the manual. 5-c-2 SPECIAL COVERAGES (ML-32) Coverage may be provided against all risk of physical loss at the premiums shown in the Premium Section of the manual. Earthquake coverage may be added to policies issued under this rule at the earthquake rates shown in the Premium Section of the manual. 5-c-3 GLASS BREAKAGE (ML-37) Coverage may be provided for glass breakage of windows and doors that are part of the Unit-Owners portion of the building at the premiumsshown in the Premium Section of the manual. ED. 11/01/2004 6

31 5-c-4 MISCELLANEOUS REAL PROPERTY (ML-34) The policy may be extended to cover Unit-Owners additions and alterations by the Unit-Owner outside the finished interior surfaces of the perimeter walls at the premiums shown in the Premium Section of the manual. 5-c-5 UNIT-OWNERS RENTAL TO OTHERS - (ML-33) The policy may be extended to cover personal property while the premise is rented to others at the additional premium shown in the Premium Section of the manual. 5-c-6 UNIT-OWNERS PRIVATE STRUCTURES (ML-34) The policy may be extended to cover private structures owned solely by the Insured and located on the described premises at the additional premiums shown in the Premium Section of the manual. 5-c-7 LOSS ASSESSMENT COVERAGE (ML-35) The policy may be extended to cover loss assessment for which the Insured may be liable to the association of Condominium Unit-Owners at the additional premiums shown in the Premium Section of the manual. Earthquake coverage may be added to the policies issued under this rule at Earthquake rates shown in the Premium Section of the manual. (ML-35A) 5-d COVERAGES - OTHER PROGRAMS - It is permissible to attach any filed form offering supplemental coverage not included in this section. The appropriate rates are to be used. 5-e CREDIT CARD, FORGERY AND COUNTERFEIT MONEY (ML-57) Coverage for Credit Card, Forgery and Counterfeit Money may be increased at the premiums shown in the Premium Section of the manual. 5-f DEBRIS REMOVAL EXTENSION (ML-366) Coverage may be extended at the premium shown in the Premium Section of the manual. ED. 11/01/2004 7

32 5-g DEDUCTIBLES FOR ALLEGANY S STANDARD HOMEOWNERS PROGRAM Forms used in conjunction with the premiums shown in this manual contemplate a five hundred dollar (500.00) All perils loss deductible clause applying per occurrence. This deductible can be increased or reduced by applying the rate credits or surcharges as shown in the Premium Section of the manual. 5-h DEMOLITION AND DEBRIS REMOVAL - Demolition, debris removal, demolition time element, contingent liability from the operation of building laws or increased cost of construction coverages may be added to the policy subject to the rates, rules, forms and endorsements filed by or on behalf of the Company. 5-i EARTHQUAKE - (ML-54) Earthquake coverage may be written at the premiums shown in the Premium Section of the manual. Include increased Coverage B or C when calculating premium. 5-j GLASS COVERAGE - Not Applicable to ML-4- (ML-68) Coverage may be provided for specific items of glass using the rules and rates filed by or on behalf of the Company. 5-k HIGHER LIMIT OF LIABILITY ON CERTAIN PROPERTY - (ML-65H) Certain property that have limitations may be increased at the premiums shown in the Premium Section of the manual. 5-l HOMEOWNERS ASSOCIATION LOSS ASSESSMENT COVERAGE (ML-50) The policy may be extended to cover loss assessments charged to the insured by the association of homeowners at the additional premiums shown in the Premium Section of the manual. Earthquake coverage may be added to policies issued under this rule at the earthquake rates shown in the Premium section of the manual. (ML-53) 5-m IDENTITY FRAUD ENDORSEMENT (ML-189) Endorsement provides coverage for necessary expenses incurred by as a direct result of Identity Fraud involving person or property.-available limit of $10,000- Applies only to Insured s Primary Residence Policy. ED. 11/01/2004 8

33 5-n HOMEOWNERS ENHANCED COVERAGE OPTIONS 5-n-1 5-n-2 HOMEOWNERS EXTRA COV (ML-148) INCREASED COV (ML-147) 5-n-3 HOMEOWNERS PLUS COV (ML-150B) Requires an operable sump pump in the basement of the Insured dwelling, along with the Homeowners Plus Questionnaire completed. Refer to Premium Section of Manual. 5-o INCREASED AMOUNT OF COVERAGE C 5-o-1 INCREASED LIMITS - The Coverage C limit of liability may be increased at the premiums shown in the Premium Section of the manual. 5-o-2 INCREASED LIMIT AWAY FROM PREMISE - (ML-66) The Coverage C limit of liability for personal property away from premises may be increased at the additional premiums shown in the Premium Section of the manual 5-p INFLATION GUARD COVERAGE - Not Applicable to ML-4 (ML-243) Coverage may be provided to automatically increase Coverages A,B,C and D on a quarterly basis. Refer to the charges shown in the Premium Section of the manual. 5-r NEW HOME DISCOUNT New home discounts are applied to the qualified homes at the rate credits shown in the Premium Section of the manual. 5-s OTHER RESIDENCE COVERAGE - (ML-67) Coverage may be provided at the additional premiums files by or on behalf of the Company. 5-t OUTSIDE ANTENNA - (MR-82) Increased limits on outside antennas may be written at the premiums shown in the Premium Section of the manual. ED. 11/01/2004 9