TOWN DWELLING/RENTAL PROGRAM

Similar documents
FARM DWELLING/RENTAL PROGRAM

HOMEOWNERS PROGRAM RULES/UNDERWRITING GUIDELINES

TOWN & FARM MOBILE/MANUFACTURED HOMES OWNER OCCUPIED PROGRAM

HOMEOWNERS DECRIPTION. HOMEOWNERS POLICY COVERAGE RELATIONSHIPS HO-4 (Tenant HO) Coverage Homeowner HO-6 (Condominium

Mobile homes are eligible if they are permanently located, but may only be covered by the Basic Form. Coverage may not include an attached carport.

2019 Policy Quick Reference Sheet

OREGON MUTUAL INSURANCE COMPANY DWELLING FIRE

Use these rate formulas to calculate premiums for amounts not shown on the premium pages.

DWELLING SECTION TABLE OF CONTENTS

Dwelling Policy. 4.1 Dwelling Policies LEARNING OBJECTIVES OVERVIEW. Dwelling Program Eligibility. Dwelling Coverage Forms.

CAUSES OF PROPERTY LOSS SECTION I - LOSSES WE COVER (BROAD NAMED PERILS) SECTION I - BROAD NAMED PERILS

Edition CSE Safeguard Insurance Company Page 1 of 5

FARM PROTECTOR PROGRAM

GENESEE PATRONS LANDLORDS PACKAGE POLICY PROGRAM

Table of Contents Chapter 1: An Overview Chapter 2: What s Covered

The Homeowners Coverage Guide: Interpretation and Analysis

DWELLING PROGRAM. Designed specifically for agents of

OREGON MUTUAL INSURANCE COMPANY PERSONAL PROTECTOR POLICY PROGRAM PREMIUMS. Step Forms 3 and 5 Premium or Factor Rounding

NEW YORK LANDLORDS PACKAGE POLICY PROGRAM

NEW HAMPSHIRE HOMEOWNERS HO-2 RATES

Personal Property Forms & Endorsements

LANDLORDS PACKAGE POLICY PROGRAM. North Country Insurance Co. 4/07

California General Rules Index - Dwelling Policy Program Edition

A CONSUMER S GUIDE TO MANUFACTURED HOMEOWNERS INSURANCE

AGREEMENT DEFINITIONS COVERAGES

Residents of your household who are your relatives or other persons under the age of 21 and in the care of any person named above

Service is our Hallmark.

PART I COVERAGE AND DEFINITION TYPE RULES

Dwelling Insurance Buyer's Guide

Form #E1, F1 (Rev. June 6, 2016) Building and Contents Insurance

Indiana Underwriting Binding Guidelines

Landlords Package Policy. Let Allstate help you protect your property and your investment. D8643-2

CAUSES OF PROPERTY LOSS SECTION I - LOSSES WE COVER (COMPREHENSIVE PERILS) SECTION I - BROAD NAMED PERILS

Homeowners Program Oklahoma

UNITED PROPERTY & CASUALTY INSURANCE COMPANY SOUTH CAROLINA HOMEOWNERS PROGRAM

Commercial Property. Commercial Package Policy (CPP) The CPP is made up of:

FutureGuard Guidelines: Version 2.5

PACIFIC SPECIALTY INSURANCE COMPANY STATE OF CALIFORNIA. Underwriting Guide Dwelling Fire Program

KENTUCKY FAIR PLAN APPLICATION FOR HOMEOWNERS COVERAGE FORM HO-8

Please refer to Atlas Bridge Check Form Availability for closed Zip Codes

HOMEOWNERS 3 OREGON SPECIAL FORM AGREEMENT

HOMEOWNERS PROGRAM WEST VIRGINIA

Service is our Hallmark.

AGREEMENT DEFINITIONS COVERAGES

AGREEMENT DEFINITIONS COVERAGES

AGREEMENT DEFINITIONS COVERAGES

DWELLING PROPERTY BASIC FORM

Homeowner Application

AGREEMENT DEFINITIONS COVERAGES

Condominium Property Act & Regulation

Dwelling Program Manual Index

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

Protector Plus Homeowners Package

California. Dwelling Fire Web

CONTRACTORS PROTECTOR PROGRAM

CONTRACTORS PROTECTOR PROGRAM

ALLEGANY CO-OP INSURANCE COMPANY DWELLING FIRE/CPL AND OLT 1-4 FAMILY DWELLINGS UNDERWRITING RULES AND GUIDELINES I. PROGRAM DESCRIPTION

Service is our Hallmark.

DWELLING PROPERTY COVERAGE

DWELLING PROGRAM GENERAL INSTRUCTIONS...

Property Owners Insurance Proposal Form

DWELLING PROPERTY 2 BROAD FORM

DWELLING PROPERTY 3 SPECIAL FORM

DWELLING COVERAGE -- BASIC FORM

Washington General Rules Index

Homeowners Policy. 5.1 Eligibility LEARNING OBJECTIVES OVERVIEW

DWELLING PROPERTY SPECIAL FORM AGREEMENT

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

Service is our Hallmark.

HOMEOWNERS HO AGREEMENT

CAUSES OF LOSS BROAD FORM

Service is our Hallmark.

COMBINATION PACKAGE POLICY HEADINGS DOCUMENT

SPECIAL PROVISIONS NEW YORK

Property Owners Insurance Proposal Form

HOMEOWNERS 3 SPECIAL FORM

IMPORTANT INFORMATION ABOUT YOUR UNIT AT SEA PINES A GUIDE TO PREVENTING WATER DAMAGE AVOID DISASTERS: FOLLOW THESE SIMPLE STEPS.

CAUSES OF LOSS BASIC FORM

FARMOWNERS PROGRAM WEST VIRGINIA

AGREEMENT DEFINITIONS COVERAGES

HOMEOWNERS 2 BROAD FORM

NEW MEXICO AGENT MANUAL AND UNDERWRITING GUIDE HALLMARK RENTERS PROGRAM

NCIUA BEACH PLAN HOMEOWNER UNDERWRITING GUIDELINES

Service Line Coverage

Use these rate formulas to calculate premiums for amounts not shown on the premium pages.

Use these rate formulas to calculate premiums for amounts not shown on the premium pages.

ALLEGANY CO-OP INSURANCE COMPANY MOBILE HOMEOWNERS UNDERWRITING/BINDING GUIDELINES

Mendota Mutual Insurance Co. FARM RATE FORMULAS Effective 1/01/2019

PROPERTY FORM 3 SPECIAL FORM

Service is our Hallmark.

HOMEOWNERS 3 SPECIAL FORM

(b) Monitor; (c) Clean up; (d) Remove; (e) Contain; (f) Treat; (g) Detoxify; (h) Neutralize; or. (i) (d) Fumes; (e) Acids;

AAIS -- READ THIS ENTIRE POLICY CAREFULLY -- FL-2 IT IS A LEGAL CONTRACT Ed 1.0 BROAD FORM

COMPANY NAME CONTACT NAME TELEPHONE NUMBER DENIAL REASON APPLICANT S MAILING ADDRESS: CITY STATE COUNTY ZIP TELEPHONE

1. Property must be in an insurable condition, well maintained, and show Pride of Ownership.

COLONIAL GROUP,Inc. P.O. Box 4907 Greensboro, NC (336) (800) FAX: (336) South Carolina Dwelling Program

Binder Restrictions... UR-2 Binder Rules... UR-3 Builder s Risk Theft... RP-5 Business Property... F-4

LANDLORD INSURANCE POLICY

Georgia Dwelling Program Manual

New Hampshire Dwelling Program

Transcription:

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 List - Do Not Submit DW - 2 Description of Coverage DW - 3 Optional Coverages DW - 4 DESCRIPTION OF RULES & RATES OF DWELLING PROGRAMS Town Miscellaneous Rates DW 4RA Town Rate Formulas DW - 4RB Town Class A Rental Dwelling Rules DW - 5 Town Class A Rental Dwelling Rates DW - 5R Town Class A-50 Rental Dwelling Rules DW - 6 Town Class A -50 Rental Dwelling Rates DW - 6R Town Class B Rental Dwelling Rules DW - 7 Town Class B Rental Dwelling Rates DW - 7R Town Class C Rental Dwelling Rules DW - 8 Town Class C Rental Dwelling Rates DW - 8R FMIC 5/2015 DW - 0

TOWN DWELLING/RENTAL RULES TOWN DWELLING POLICY STANDARD AMOUNTS OF COVERAGE - SECTION I Section I - Property Coverages Coverage A - Dwelling Coverage B - Other Structures Coverage C - Personal Property (Actual Cash Value) Coverage D - Loss of Use Amount of Insurance 10% of Coverage A Amount of Insurance 10% of Coverage A PERILS INSURED AGAINST Basic Perils and Broad Form Perils covers property described in Coverages A, B, C and D caused by a peril listed below, unless loss is excluded in Section 1 - Exclusions. Group 1 - Basic Perils. Fire or Lightning. Removal. Windstorm or Hail. Explosion. Riot and Civil Commotion. Aircraft. Vehicles. Vandalism & Malicious Mischief. Smoke Group 2 - Broad Form Perils. Theft. Sudden Accidental Tearing Apart of Heating Systems. Freezing of a Plumbing, Heating or Air Conditioning System. Falling Objects. Weight of Ice, Snow or Sleet. Collapse. Breakage of Glass. Sudden and Accidental Damage from Artificially Generated Electrical Current. Accidental Discharge or Overflow of Water or Steam Group 3 - Other Perils Other Perils covers property described in Coverage A and B against other risks of physical loss, with certain exceptions. FMIC 5/2015 DW - 1

ELIGIBLE LIST TOWN DWELLING/RENTAL UNDERWRITING GUIDELINES Dwelling Policies - The Insured may be:. Owner/Landlord of a one to three family dwelling rented to others.. Owner/Occupant of a seasonal dwelling.. Dwellings not eligible for coverage under owner occupied program. TOWN DWELLING UNDERWRITING GUIDELINES CONSIDERATION LIST - Submit Non-Bound The following risk may not be bound by the Agent. Submit for Underwriting approval:. Premises with questionable unsafe characteristics.. Premises with visible trash and debris that can be removed or cleaned.. Vacant dwellings with future occupancy contemplated.. Unfenced or inadequately fenced swimming pools.. Open pits or stone quarries on the insured location.. Three losses in five years.. Dwelling without continuous masonry foundation.. Homes being remodeled or repaired or with unrepaired damage.. Home Day Care operations with four or more children.. More than four rental units for any one Insured.. Vacant dwellings.. Seasonal dwellings. PROHIBITED LIST - Do Not Submit The following risk are PROHIBITED:. Commercial risks.. Occupants with known vicious animals.. Rental dwellings containing more than three family units.. Dwellings without central heating system or interior plumbing.. Breeding, raising and selling of dogs on the premises.. Insureds with known claim frequency (more than three losses in five years).. Rooming or Boarding Houses.. Dwellings with more than two mortgagees.. Insured that has a bankruptcy or under bankruptcy proceedings.. Log Homes.. Insured that has been convicted of a felony. FMIC 5/2015 DW - 2

DESCRIPTION OF COVERAGE Coverage A - Dwelling Covers the dwelling on the described location, used principally for dwelling purposes, and attached structures. Coverage B - Other Structures Covers other structures on the described location separated from the dwelling by a clear space. This does not include structures used for business, farming, or rented to others (unless used solely as a private garage). Coverage C - Personal Property Covers personal property usual to the occupancy of a dwelling owned by the Insured or family members residing with the Insured. Landlord s Furnishings, we will pay up to $1,000.00 for your appliances, antennas and other household furnishings, in an apartment or dwelling on the insured location regularly held for rental to others by an insured for loss caused by Group 1 or Group 2 Perils. Coverage D - Loss of Rents Covers the fair rental value if a loss to property described in coverages A, B or C by a peril insured against under the policy makes that part of the described location unfit for normal use. We will pay for the shortest time required to repair or replace that part of the residence rented, not to exceed 1/12 th of the amount of liability under Coverage D, for any one month. FMIC 5/2015 DW - 3

OPTIONAL COVERAGE ANTENNAS, OUTDOOR RADIO AND TELEVISION EQUIPMENT Coverage C Personal Property/Landlord s Furnishings, we will pay up to $1,000.00 for your appliances, antennas and other household furnishings, in an apartment or dwelling on the insured location regularly held for rental to others by an insured for loss caused by Group 1 or Group 2 Perils. Use the Tenant Personal Property rate if this limit is not adequate for landlord furnishings &/or antennas, etc. LOSS OF RENTS - INCREASED LIMITS The policy automatically provides coverage equal to 10% of Coverage A. This may be increased. SUMP PUMP FAILURE OR WATER BACKUP OF SEWERS OR DRAINS (FMIC 99-001) Sump Pump failure or water backup of sewers or drains provides coverage for direct loss to the property described caused by water which backs up through sewers or drains, or water which enters into and overflows from within a sump pump or sump pump well. This coverage does not apply: a. If the loss is caused by the negligence of any Insured. b. If the loss occurs or is in progress: (1) Five days after the effective date of this coverage, if added at the inception date or renewal date of this policy. Coverage is available in increments of $1000. A flat $250 deductible per occurrence will apply. This coverage is not available for dwellings that have had problems with this type of damage in the past unless action has been taken to eliminate the problem. MINE SUBSIDENCE & EARTHQUAKE Refer to the sections in this manual for rates and underwriting guidelines. PREMISES LIABILITY Liability may be provided for one to four family dwellings, up to a total of four rental units (four family dwelling equals four rental units). An Insured owning more than four rental units will need to obtain Commercial Liability Coverage. FMIC 5/2015 DW - 4

Forreston Mutual Insurance Co. TOWN DWELLING/RENTAL MISCELLANEOUS RATES Effective 5/2015 Policy Fee $40 Minimum Premium Per Policy $50 Auxiliary Private Structures - Additional (Not Farm) 40 per $100 of insurance Additional Living Expense/Loss of Rents 30 per $100 of insurance Fire Department Service Charge - Additional $1.00 per $100 of insurance Sump Pump Failure/Backup of Sewers or Drains $20.00 per $1000 coverage with flat $250 deductible. Builders Risk 70% of Class B Rental Rate Earthquake Mine Subsidence See Earthquake section of this manual See Mine Subsidence section of this manual Boat Docks Class C Outbuilding Rate A replacement cost estimator is to be completed on all dwellings. For rating purposes, a maximum of 50% depreciation will be taken on Class B&C. If insured for less than that amount a $35.00 surcharge will apply. DW-4RA

Forreston Mutual Insurance Co. TOWN DWELLING/ RENTAL RATES Effective 5/2015 Use these town rates to calculate premiums for coverage amounts not shown on the premium pages. THESE ARE BASE RATES FOR $500 DEDUCTIBLE. OTHER DEDUCTIBLES ARE SUBJECT TO DEDUCTIBLE FACTOR SHOWN BELOW. Base Rate Per $100 Coverage Policy Type Coverage Amount Fire Fire Fire Wind Town Rental Dwellings Only FPC 1-5 FPC 6-8 FPC 9-10 Class A $ 50,000 To 64,999.2417 + 4.57.2686 + 4.57.2943 + 6.40.1742 + 3.28 $ 65,000 To.2417 + 4.57.2686 + 4.57.2943 + 2.75.1742 + 3.28 Class A - 50 Repair $ 50,000 To 64,999.3022 + 4.57.3359 + 4.57.3677 + 6.40.2179 + 3.28 $ 65,000 +.3022 + 4.57.3359 + 4.57.3454 + 2.75.2179 + 3.25 Class B $ 35,000 To 44,999.2879 + 4.57.3198 + 4.57.3454 + 2.75.2581 + 6.42 $ 45,000 +.2879 + 4.57.3198 + 4.44.3454 + 0.00.2581 + 6.42 Class C $ 10,000 +.4092 + 0.00.4092 + 0.00.4351 + 9.13.3379 + 10.88 Deductible Factors Ded. Factor Calculate the premium for $500 $ 0 2.16 deductible using the rates above, then $ 100 1.73 multiply by the appropriate factor to $ 250 1.31 calculate the premium for other $ 500 1.00 deductibles. $ 1,000 0.88 $ 2,000 0.80 $ 3,000 0.72 $ 5,000 0.68 Territory Factors Terr. Factor See Page 13 in the General Section 20 1.00 for a list of Territories by County 21 1.07 22 1.10 23 1.12 24 1.16 25 1.25 DW-4RB

DESCRIPTION OF TOWN DWELLING/RENTAL PROGRAMS/ELIGIBILITY CLASS A DWELLING Perils Available Loss Settlement Types Available Basic Perils Actual Cash Value Broad Form Perils 80% Replacement Cost Other Perils Standard Amounts Min. Amount of Ins. Max.Binding Authority of Coverage Eligibility Requirements: $50,000. $200,000. APS - 10% of Cov. A ALE - 10% of Cov. A a. Dwelling and detached structures of good construction and excellent repair. Premises clean; free from weeds and trash. Continuous masonry or concrete foundation under all exterior walls, (porches excepted). b. Residence must have an approved roof, furnace, wiring and plumbing all 35 years of age or less, or updated within the last 35 years. Must meet local building codes and building contractor inspection. Wood burning appliance must be UL approved. c. One to three family permanent residence. d. When insured for replacement cost the dwelling must be insured for 80% of the replacement value. When insured for actual cash value (ACV) the dwelling must be insured for a minimum of the ACV which can not be less than 60% of the replacement cost. Inflation factor will apply. Other Perils not available on ACV policy. e. 100-amp electrical service, updated within the last 35 years. f. Complete interior plumbing, being a permanent pipe system supplied by water from a continuous reliable source. g. Cost estimator and photographs (front & rear) submitted with application. h. Readily accessible to a fire truck. FMIC 5/2015 DW - 5

Forreston Mutual Insurance Co. Town A Dwelling /Rental Effective 5/2015 Fire + Wind Premium $1000 Deductible $2000 Deductible $3000 Deductible Amount of FPC FPC FPC FPC FPC FPC FPC FPC FPC Coverage 1-5 6-8 9-10 1-5 6-8 9-10 1-5 6-8 9-10 50000 189 201 215 172 183 195 155 165 176 51000 194 206 218 176 188 199 158 168 178 52000 197 210 223 179 190 202 162 172 182 53000 201 213 227 183 195 207 165 175 186 54000 204 217 230 186 198 210 167 178 189 56000 212 225 239 193 205 218 174 185 196 58000 220 233 248 199 211 225 179 190 202 60000 227 241 256 206 219 232 186 198 210 62000 234 248 264 212 226 240 191 203 216 64000 241 256 273 219 233 248 197 210 223 66000 248 264 277 225 240 252 203 216 227 68000 256 272 286 233 248 260 210 223 234 70000 263 280 294 239 254 267 215 229 240 72000 272 288 303 246 261 275 222 236 248 74000 277 295 310 252 268 283 227 241 254 77000 289 307 323 263 279 293 237 251 264 80000 300 319 335 272 289 304 246 261 274 83000 310 331 347 282 300 316 255 271 285 86000 322 343 360 292 311 327 263 280 294 89000 333 354 372 302 321 338 272 290 305 92000 344 366 385 313 333 350 281 299 315 95000 355 378 397 322 343 361 290 309 325 98000 365 389 409 332 353 372 299 318 335 101000 377 401 422 342 364 383 308 328 345 104000 387 412 434 352 374 394 316 336 354 107000 398 424 447 362 386 406 326 347 366 110000 410 436 459 372 396 417 334 356 375 113000 421 447 471 382 406 428 344 366 385 116000 431 458 483 392 417 439 353 376 396 119000 443 471 497 403 428 451 362 385 406 122000 453 482 509 412 439 463 371 395 417 125000 464 493 520 423 449 474 380 404 426 128000 475 505 533 432 459 484 389 414 436 131000 485 516 544 442 470 495 397 422 445 134000 498 529 558 452 481 508 407 433 457 137000 509 541 570 463 492 519 416 443 466 140000 519 552 582 472 503 530 425 452 477 143000 530 564 595 482 513 541 433 461 486 146000 541 576 607 492 524 552 443 472 497 149000 552 587 619 502 534 563 452 481 507 154000 571 607 640 520 552 583 467 497 524 159000 588 626 660 535 570 601 482 513 541 164000 607 646 681 552 587 619 497 528 557 169000 625 666 702 568 605 638 512 545 575 174000 643 684 722 585 623 657 526 560 591 179000 662 704 743 602 640 676 542 576 609 184000 680 724 764 618 658 694 556 592 625 189000 699 744 785 635 676 713 572 609 642 194000 716 763 805 651 694 732 587 625 659 200000 739 787 830 672 716 755 604 643 679 DW-5R

DESCRIPTION OF TOWN DWELLING/RENTAL PROGRAMS/ELIGIBILITY CLASS A-50 REPAIR DWELLING Perils Available Basic Perils Broad Form Perils Loss Settlement Types Available Loss Settlement Clause 3 Special Repair/Replacement Cost With Commonly Used Building Material Standard Amounts Min. Amount of Ins. Max. Binding Authority of Coverage $50,000 $200,000 APS - 10% of Cov. A ALE - 10% of Cov. A Eligibility Requirements: a. Dwelling and detached structures of good construction and excellent repair. Premises clean; free from weeds and trash. Continuous masonry or concrete foundation under all exterior walls, (porches excepted). b. Residence must have an approved roof, furnace, wiring and plumbing all 35 years of age or less, or updated within the last 35 years. Must meet local building codes and building contractor inspection. Wood burning appliance must be UL approved. c. One to three family permanent residence. d. Must be insured for at least 50% of replacement cost. Inflation factor will apply. e. 100-amp electrical service, updated within the last 35 years. f. Complete interior plumbing, being a permanent pipe system supplied by water from a continuous reliable source. g. Cost estimator and photographs (front & rear) submitted with application. h. Readily accessible to a fire truck. FMIC 5/2015 DW - 6

Forreston Mutual Insurance Co. Town Dwelling/Rental Class A-50 Repair Effective 5/2015 Fire + Wind Premium $1000 Deductible $2000 Deductible $3000 Deductible Amount of FPC FPC FPC FPC FPC FPC FPC FPC FPC Coverage 1-5 6-8 9-10 1-5 6-8 9-10 1-5 6-8 9-10 50000 236 251 266 215 228 242 193 206 218 51000 240 255 271 218 232 246 196 209 222 52000 246 261 277 224 237 252 201 213 227 53000 250 266 282 227 241 256 205 218 231 54000 254 270 286 231 246 261 208 221 235 56000 263 280 297 239 254 270 215 229 243 58000 272 289 308 248 263 280 224 237 252 60000 282 299 318 256 272 289 230 244 259 62000 290 308 327 264 280 297 237 252 267 64000 300 320 339 272 290 308 246 261 277 66000 309 328 332 281 299 303 253 269 272 68000 318 338 342 289 307 311 260 277 280 70000 327 348 353 298 317 321 268 285 288 72000 336 357 362 306 325 329 275 292 296 74000 345 367 371 313 333 337 282 300 304 77000 359 381 387 327 347 352 294 312 317 80000 373 397 403 339 360 365 305 325 329 83000 386 411 416 351 373 378 316 336 340 86000 400 426 432 364 387 393 328 349 354 89000 414 441 446 377 401 406 339 361 365 92000 429 456 462 389 414 420 351 373 378 95000 442 470 476 402 427 433 361 384 389 98000 456 485 491 415 441 447 373 396 402 101000 469 499 506 426 453 460 384 409 414 104000 483 514 521 439 467 474 396 421 427 107000 497 528 535 451 480 487 406 432 438 110000 511 543 551 464 493 500 418 444 451 113000 523 557 565 476 506 513 428 455 462 116000 537 572 580 489 520 527 440 468 474 119000 551 587 595 501 533 541 451 480 487 122000 565 601 610 513 546 554 463 492 499 125000 579 616 626 527 560 569 474 504 512 128000 592 631 640 539 574 582 485 516 523 131000 606 646 654 551 587 595 496 528 536 134000 621 660 670 564 600 609 507 540 548 137000 635 675 685 577 614 623 519 552 560 140000 648 689 699 588 626 635 530 564 572 143000 662 704 714 602 640 650 542 576 585 146000 674 718 728 614 653 663 552 587 596 149000 689 733 744 626 666 676 564 600 608 154000 712 757 769 647 689 699 582 620 629 159000 735 782 794 668 711 722 601 640 649 164000 758 806 819 689 733 744 620 660 670 169000 780 830 843 710 756 767 639 680 690 174000 802 854 868 730 777 789 657 699 710 179000 826 879 892 751 799 811 676 719 730 184000 850 904 917 772 821 833 695 740 750 189000 872 927 942 793 843 857 714 759 771 194000 895 952 967 814 866 879 733 779 792 200000 922 981 997 838 892 906 754 803 816 DW-6R

DESCRIPTION OF TOWN DWELLING/RENTAL PROGRAMS/ELIGIBILITY CLASS B DWELLING Perils Available Loss Settlement Types Available Basic Perils Actual Cash Value Broad Form Perils 80% Replacement Cost Other Perils (45,000. Min. Cov.) Standard Amounts Min. Amount of Ins. Max. Binding Authority of Coverage Eligibility requirements: $35,000. $200,000. APS - 10% of Cov. A ALE - 10% of Cov. A a. Dwelling and detached structures of good construction and in good repair. Premises clean; free from weeds and trash. Continuous masonry or concrete foundation under all exterior walls, (porches excepted). b. Residence must have an approved roof, furnace, wiring and plumbing. Must meet local building codes and building contractor inspection. Wood burning appliance must be UL approved. c. One to three family permanent residence. d. When insured for replacement cost the dwelling must be insured for 80% of the replacement value. When insured for actual cash value (ACV) the dwelling must be insured for a minimum of the ACV, which if less than 50% of the replacement cost a $35.00 surcharge will apply. Inflation factor will apply. Other Perils not available on ACV policy. e. 100-amp electrical service, updated within the last 40 years. f. Complete interior plumbing, being a permanent pipe system supplied by water from a continuous reliable source. g. Cost estimator and photographs (front & rear) submitted with application. h. Readily accessible to a fire truck. FMIC 5/2015 DW - 7

Forreston Mutual Insurance Co. Town Dwelling/Rental Class B Effective 5/2015 Fire + Wind Premium $1000 Deductible $2000 Deductible $3000 Deductible Amount of FPC FPC FPC FPC FPC FPC FPC FPC FPC Coverage 1-5 6-8 9-10 1-5 6-8 9-10 1-5 6-8 9-10 35000 177 188 194 162 172 177 146 154 159 36000 182 193 199 165 175 181 149 157 162 37000 188 198 205 171 180 187 153 162 167 38000 192 203 210 174 184 190 157 166 171 39000 197 208 215 180 189 196 161 170 176 40000 203 213 221 184 194 201 165 174 181 41000 207 219 226 188 199 205 170 179 185 42000 211 223 231 192 203 210 173 183 190 43000 216 228 236 196 208 215 176 186 193 44000 221 234 242 201 212 220 180 190 198 45000 226 238 244 205 216 222 185 196 201 46000 231 244 250 210 222 227 189 199 204 47000 236 249 256 214 226 232 193 204 209 48000 240 253 260 218 230 237 197 208 214 49000 245 259 266 223 235 241 201 212 218 50000 250 263 271 227 239 246 204 215 222 51000 254 269 276 231 244 251 208 220 226 52000 260 274 282 236 250 257 213 225 232 53000 264 279 287 240 253 260 216 228 235 54000 269 284 293 245 259 267 220 232 240 55000 273 288 297 248 262 270 224 237 244 56000 279 295 303 254 268 275 229 241 248 57000 285 301 309 258 273 281 233 246 253 58000 288 304 313 263 277 285 236 249 256 59000 293 310 320 266 281 290 239 253 261 60000 298 314 324 271 286 295 243 257 265 61000 302 320 330 275 291 300 248 262 270 62000 307 325 334 279 295 304 252 266 274 63000 313 330 341 284 300 309 256 270 279 64000 317 335 345 289 305 315 260 274 283 65000 322 340 351 293 309 319 263 278 287 70000 346 366 378 315 332 344 283 299 309 75000 370 391 404 336 355 367 302 320 330 80000 394 416 430 358 378 391 322 340 352 85000 418 442 458 380 402 416 342 362 375 90000 442 467 484 402 425 440 362 382 396 95000 467 493 511 424 448 464 381 403 417 100000 490 518 537 446 471 488 401 424 439 105000 514 543 563 468 494 512 420 444 460 110000 537 568 589 489 517 536 440 465 483 115000 563 594 616 511 540 560 460 486 504 120000 586 619 642 533 563 584 480 507 526 125000 610 646 670 554 586 609 499 528 548 130000 635 671 696 577 610 633 519 548 569 135000 658 696 722 598 633 657 539 570 592 140000 683 722 750 620 656 681 559 590 613 145000 706 747 776 643 679 706 578 611 635 150000 731 773 803 664 702 729 598 632 657 155000 754 797 828 686 725 753 617 652 677 160000 778 823 856 707 748 777 637 674 700 DW-7R

DESCRIPTION OF TOWN DWELLING/RENTAL PROGRAMS/ELIGIBILITY CLASS C DWELLING Perils Available Loss Settlement Types Available Basic Perils Actual Cash Value Broad Form Perils Standard Amounts Min. Amount of Ins. Max.Binding Authority of Coverage Rental $20,000. $200,000. APS - 10% of Cov. A Seasonal $10,000. $100,000. ALE - 10% of Cov. A Eligibility Requirements: a. Dwelling fully utilized and in a good state of repair. Premises clean; free from weeds and trash. Continuous masonry or concrete foundation under all exterior walls, (porches excepted). b. Residence must have an approved roof, heating system, electrical wiring of at least 60 amp service and plumbing. Wood burning appliances must be UL approved. c. One to three family permanent residence. d. Insured for at least minimum of actual cash value. If insured for less than 50% of replacement cost, a $35.00 surcharge will apply. Inflation facotr will apply. e. Complete interior plumbing, being a permanent pipe system supplied by water from a continuous reliable source. f. Cost estimator and photographs (front & rear) submitted with application. g. Readily accessible to a fire truck. SEASONAL DWELLING All seasonal dwellings must be classed as Rental dwellings. If coverage is needed for contents, use the Tenant Personal Property rate, coverage on Personal Property will be ACV. A seasonal dwelling will not be written unless the company insures the primary residence. Submit all Seasonal Dwellings Non-Bound. FMIC 5/2015 DW - 8

Forreston Mutual Insurance Co. Town Dwelling/Rental Class C Effective 5/2015 Fire + Wind Premium $1000 Deductible $2000 Deductible $3000 Deductible Amount of FPC FPC FPC FPC FPC FPC FPC FPC FPC Coverage* 1-5 6-8 9-10 1-5 6-8 9-10 1-5 6-8 9-10 10000 76 76 87 69 69 78 62 62 70 11000 82 82 92 74 74 84 67 67 76 12000 88 88 99 80 80 90 72 72 81 13000 95 95 106 86 86 97 78 78 88 14000 101 101 113 92 92 102 83 83 92 15000 109 109 120 99 99 109 89 89 98 16000 114 114 127 104 104 115 94 94 104 17000 122 122 133 110 110 120 99 99 109 18000 128 128 140 117 117 128 105 105 115 19000 135 135 147 122 122 134 110 110 120 20000 141 141 153 128 128 139 115 115 125 22000 154 154 167 140 140 152 126 126 137 24000 167 167 181 152 152 165 137 137 148 26000 180 180 194 164 164 177 147 147 159 28000 193 193 207 176 176 189 159 159 170 30000 207 207 222 188 188 202 170 170 182 32000 220 220 235 200 200 213 180 180 193 34000 233 233 249 212 212 227 191 191 204 36000 246 246 263 224 224 239 202 202 216 38000 258 258 275 235 235 250 212 212 225 40000 272 272 289 248 248 263 223 223 237 42000 286 286 304 260 260 276 234 234 248 44000 299 299 318 272 272 289 245 245 260 46000 311 311 330 283 283 300 255 255 270 48000 324 324 344 295 295 312 266 266 282 50000 338 338 358 308 308 326 278 278 293 52000 352 352 372 320 320 338 288 288 304 54000 364 364 385 331 331 349 298 298 315 56000 378 378 399 343 343 362 309 309 326 58000 391 391 412 356 356 375 320 320 337 60000 404 404 426 368 368 387 331 331 348 62000 418 418 440 379 379 399 341 341 359 64000 431 431 453 392 392 412 352 352 370 66000 444 444 466 403 403 424 362 362 381 68000 457 457 480 415 415 437 374 374 394 70000 469 469 493 427 427 449 384 384 404 72000 484 484 507 439 439 461 395 395 415 74000 497 497 521 451 451 474 406 406 426 76000 510 510 535 463 463 486 417 417 438 78000 522 522 548 474 474 498 427 427 448 80000 535 535 561 487 487 511 437 437 459 85000 568 568 596 516 516 541 466 466 488 90000 601 601 630 546 546 573 492 492 516 95000 634 634 663 577 577 604 519 519 543 100000 667 667 698 606 606 634 545 545 571 105000 700 700 732 637 637 666 574 574 600 110000 733 733 766 666 666 696 600 600 627 115000 765 765 799 696 696 726 626 626 653 120000 798 798 833 726 726 758 654 654 682 125000 832 832 868 756 756 788 681 681 710 * Minimum for seasonal dwelling is $10,000. Rental dwelling minimum is $20,000. DW-8R