Homeowners 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 Authority Refer to your agency contract for specific binding authority. Minimum $500 per policy, excluding taxes and fees HO-3 and HO-8 $350 per policy, excluding taxes and fees HO-4 and HO-6 Minimum Earned 25% is required. A higher minimum earned premium may be required by the company. Policy Period The company requires that the Homeowners policy be written on one-year policy terms. Subject to continued acceptability of the risk, the policy can be renewed for successive one-year periods. All renewals are subject to the premiums, forms and coverages in force at the time of renewal. Policy Fee A policy fee may be charged on each policy; amount to be determined by agent. Applications A completed application, signed by the insured and the retail agent, is required on all policies. Complete underwriting information must accompany all submissions. Company applications are available on the Portal. A renewal application is not needed unless there are changes in coverage conditions or exposures. Renewal Certificates Renewal certificates may be used if there is no substantial change in exposure. Assignment or Transfer of Policy No assignment or transfer of this policy is allowed without the written permission of the company. Inspections and / or Photos An inspection is required within 30 days of policy inception. Two photos of the front and back with Actual Cash Value (ACV) and Replacement Cost (RC) or Functional Replacement Cost (FRC) evaluations on all policies. New inspection and photos are required every third year of renewal or if coverage is allowed to lapse. Insurance to Value The company requires that all values be based on 100% of the Actual Cash Value (ACV), Replacement Cost (RC) or Functional Replacement Cost (FRC) Value. An assessment of the property values should be done to determine the applicable actual cash value or replacement cost of all buildings and contents. Underwritten by Scottsdale Insurance Company 1 Revised 3-17

Homes Not in an Individual Name Premises Liability limitation form is required when writing liability. Corporate Owned Property Occupant of the property must be the principal of the corporation. Premises Liability limitation form HOS-96s is required when writing liability. Woodstove / Coal Burning Questionnaire (UTX-QUES-304) and Photo Required on all new business with supplemental woodstove / coal heat. Eligibility Homeowner Package & Unit-Owners Policy (HO 00 03 or HO 00 06) The dwelling, condominium or co-operative unit must be owner occupied and used exclusively as a private residence. Dwelling must not contain more than two single-family residential units. (Applicable only to HO 00 03.) Wiring, Heating and Plumbing must have been fully updated within the past 50 years. Roof must be excluded if not fully updated in the past 20 years. Roofs 10-19 years, add ACV endorsement HO 43 93. Contact Underwriting for exceptions such as slate and metal roofs. Historical Homes that are on a historical register are eligible for HO 00 03 when Wiring, Heating and Plumbing have been fully updated within the past 50 years. Roof must be fully updated within 20 years or excluded. Roofs 10-19 years, add ACV endorsement HO 43 93. Contact Underwriting for exceptions such as slate or metal roofs. Attach Form HO 05 31 Modified Functional Replacement Cost and HOS-142 Ordinance or Law Exclusion. Historical homes that do not meet the above criteria, use HO 00 08. Contact Underwriting for exception. Replacement Cost is available when Wiring, Heating and Plumbing have been fully updated within the past 50 years. Roof must be fully updated in 20 years or excluded. If the home has not been completely gutted and was built prior to 1945, it does not qualify for Replacement cost and should be written as ACV or FRC. Refer to Functional Replacement Cost guideline (applies to HO 00 03 only). Functional Replacement Cost is available on Coverage form HO 00 03 for dwellings built prior to 1945 that have not been fully gutted and rebuilt, but have been fully updated within the last 50 years. Homeowner Policy (HO 00 08) The dwelling must be owner occupied and used exclusively as a private residence. Dwelling must not contain more than two single-family residential units. Wiring and Heating must have been fully updated within the past 50 years. Roof must be excluded if not fully updated in the past 20 years. Contact Underwriting for exceptions such as slate and metal roofs. Underwritten by Scottsdale Insurance Company 2 Revised 3-17

Tenant Homeowners Policy (HO 00 04) For tenants of a dwelling or apartment situated in any building; or the owner occupant of a dwelling, cooperative unit or of a building containing an apartment not otherwise eligible for a Homeowner Policy. This is subject to the residence premises occupied by the insured is used exclusively for residential purposes and is not occupied by more than one additional family. Submit Over binding authority Risks with more than two losses in the last three years regardless of the value of the loss Risks with a loss in excess of $10,000 Risks with fuses Risks with existing damage or unsettled loss Bankruptcy, repossession or foreclosure (if closed) within the last three years Dwellings or adjacent structures with a commercial exposure Personal property in units adjoining commercial occupancies Participating or Excess policies Requests to add additional insureds for Liability Risks with unfenced swimming pools and / or trampolines Professional athletes and individuals in the entertainment industry Risks with lapse in coverage over 30 days Risks in PC 9 or 10 Prohibited Coverages and Risks Builders Risk / COC Secondary / Seasonal Homes Any open bankruptcy / foreclosure / repossession Dwellings with more than two mortgagees Woodstoves, portable space heaters, pellet, kerosene or coal burning stoves as primary source of heat Vacant or Unoccupied Farm and Ranch Properties Mobile Homes DIC (Difference in Conditions) Business Pursuits Replacement Cost on Hand-Hewn Log buildings Risks under $75,000 Coverage A Underwritten by Scottsdale Insurance Company 3 Revised 3-17

Prohibited for Liability Coverage Risks with non-domestic, guard or vicious animals Home Day Care exposures with swimming pool, trampolines and / or dogs Liability extended to daily rental properties Note: When issuing a HO policy without Liability, the declaration page must show Not Covered for the Liability section and all Liability forms must be deleted. Construction Definition Masonry Exterior walls must be made of 100% non-combustible materials such as: adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials Frame If any portion of the exterior walls is made of combustible materials, it must be rated as Frame. This includes Stucco, EIFS, Hardi Board, Joisted Masonry, Masonry / Brick Veneer and Mixed (Masonry / Frame) construction methods. Territory Definition Territory 1 Counties of: Canadian, Grady, Cleveland, Creek, Rogers, Tulsa, Oklahoma and Wagoner Territory 2 Remainder of state Property Rating Exceptions (Surcharges and Credits) Deductible $1,000 minimum per location AOP 2% or $2,500 (whichever is greater) wind and hail minimum per location Optional Deductibles $1,500 AOP deductible credit 10% $2,500 AOP deductible credit 15% $5,000 AOP deductible credit 20% Underwritten by Scottsdale Insurance Company 4 Revised 3-17

Premises Alarm and Fire Protection System Credits Local Alarm credit 2% Central Station Fire Alarm only credit 5% Central Station Burglar Alarm only credit 5% Central Station Fire and Burglar Alarm credit 10% Sprinkler System credit 2% Loss Surcharges Losses totaling: Up to $2,500 +5% surcharge From $2,501 to $5,000 +10% surcharge From $5,001 to $10,000 +15% surcharge Submit if three or more losses or any one loss over $10,000 Wind and Hail Guidelines If property has had wind or hail losses within the three years prior to any policy period, the following wind / hail deductible will be applied as specified below and in the endorsement indicated: Combined Total Wind / Hail Losses All Policies $10,000 or more Wind / Hail Deductible 2% of amount of insurance or $2,500, whichever is greater 5% of amount of insurance (or $5,000, whichever is greater) Form HOS-115s HOS-115s Woodstove If the residence has any type of wood or coal burning facility, surcharge an additional $40 per location. Limited Animal Liability $10,000 animal liability is included within the base policy premium by attaching form UTS-360s. The above form excludes liability for the following breeds of dog: Rottweiler, Doberman Pinscher, Akita, Bullmastiff, wolf hybrids, Chow Chow and Pit Bull, including but not limited to, American Staffordshire Terrier, Staffordshire Bull Terrier or American Pit Bull Terrier and / or any animal liability for attack, nondomesticated or guard dogs. Animals with previous bite history Animal sublimit not available. Do not attach the Limited Animal Liability form, UTS-360s Extended Liability Liability may be extended to any owned one- to four-family dwelling. (Form HOS-44s) Underwritten by Scottsdale Insurance Company 5 Revised 3-17

Available Limits Homeowners (HO-8, HO-3) Minimum Maximum Dwelling (Coverage A) $75,000 Submit if over Binding Authority Adjacent Structures (Coverage B) 10%* 200%* Unscheduled Personal Property (Coverage C) 50%* 100%* Loss of Use (Coverage D) 10%* 20%* Loss Assessment $1,000 $25,000 Tenant Homeowners (HO-4) Minimum Maximum Unscheduled Personal Property (Coverage C) $20,000 Submit if over Binding Authority Loss of Use (Coverage D) 10%** 100%** Loss Assessment $1,000 $25,000 Unit-Owners (HO-6) Minimum Maximum Dwelling (Coverage A) (Additions & Alterations) $1,000 Submit if over Binding Authority Adjacent Structures (Coverage B) N/A N/A Unscheduled Personal Property (Coverage C) $5,000 Submit if over Binding Authority Loss of Use (Coverage D) 10%** 100%** Loss Assessment $1,000 $25,000 If Liability is written the following applies: All Policy Options Minimum Maximum Liability (Coverage E) $25,000 Submit if over Binding Authority Medical Payments to Others (Coverage F) $500 $10,000 * Based on limit of liability requested for Coverage A. ** Based on limit of liability requested for Coverage C. Underwritten by Scottsdale Insurance Company 6 Revised 3-17

NP = Named Perils Only BF = Broadform DPL = All Direct Physical Loss to Property ACV = Actual Cash Value RC = Replacement Cost FRC = Functional Replacement Cost Please refer to Coverage Form for specific Definitions, Conditions, Exceptions and Exclusions. All conflicts in Definitions or Coverages offered will default to the Coverage Form attached to the policy. Program Options Available Coverages Available Homeowners Package Buildings Personal Property Surcharges / Credit Base Rates HO 00 08 NP / FRC NP / ACV +10% HO 00 08 with HO 04 81 NP / ACV NP / ACV Use Base Rates HO 00 08 with HO 04 90 NP / FRC NP / RC +10% HO 00 08 with HO 04 81 and HO 04 90 NP / ACV NP / RC +5% HO 00 03 DPL / RC NP / ACV +20% HO 00 03 with HOS-112s DPL / RC DPL / ACV +35% HO 05 31 DPL / FRC NP / ACV +20% HOS-112s and HO 05 31 DPL / FRC DPL / ACV +35% HO 04 81 DPL / ACV NP / ACV +10% HO 04 90 DPL / RC NP / RC +25% HO 05 31 and HO 04 90 DPL / FRC NP / RC +25% HO 04 90 and HOS-112s DPL / RC DPL / RC +40% HO 05 31, HO 04 90 and HOS-112s DPL / FRC DPL / RC +40% HO 04 81 and HO 04 90 DPL / ACV NP / RC +15% Coverages Available Buildings Tenant Homeowners Personal Property Surcharges / Credit Base Rates HO 00 04 No Coverage BF / ACV -40% HO 00 04 with HO 04 90 No Coverage BF / RC -30% Underwritten by Scottsdale Insurance Company 7 Revised 3-17

NP = Named Perils Only BF = Broadform DPL = All Direct Physical Loss to Property ACV = Actual Cash Value RC = Replacement Cost FRC = Functional Replacement Cost Please refer to Coverage Form for specific Definitions, Conditions, Exceptions and Exclusions. All conflicts in Definitions or Coverages offered will default to the Coverage Form attached to the policy. Coverages Available Unit-Owners Homeowners Buildings Personal Property Surcharges / Credit Base Rates HO 00 06 BF / RC BF / ACV -35% HO 00 06 with HO 04 81 BF / ACV BF / ACV -40% HO 00 06 with HO 17 32 DPL / RC BF / ACV -20% HO 00 06 with HO 17 32 and HO 04 90 DPL / RC BF / RC -15% HO 00 06 with HO 04 90 BF / RC BF / RC -25% HO 00 06 with HO 04 81 and HO 04 90 BF / ACV BF / RC -30% Increased Limits and Rates In addition to the basic coverages, the following increases are available when the premium indicated is charged: Adjacent Structures To increase above the 10% included (per $1,000 of additional coverage requested): Masonry Frame Entire state $6 $6 Personal Property To increase above the 50% included (per $1,000 of additional coverage requested): Masonry Frame Entire state $6 $6 Loss of Use To increase limits over the 10% included (per $1,000 of additional coverage requested): Masonry Frame Entire state $2 $3 Underwritten by Scottsdale Insurance Company 8 Revised 3-17

Unit-Owners Building Coverage To increase limits over the $1,000 included (per $1,000 of additional coverage requested): Masonry Frame Entire state $2 $3 Loss Assessment Increased Limits To increase limits over the $1,000 included (per $1,000 of additional coverage requested): Masonry Frame Entire state $2 $3 Ordinance or Law Increased Coverage To increase coverage over the 10% of Coverage A included amount (per $1,000 of Coverage A limit) Total Limit Rate 15% of Coverage A.15 25% of Coverage A.30 Attach form HO 04 77. Other Structures Rented to Others To schedule a single family Other Structures Rented to Others, include the structure s value in Coverage B and apply a $500 property surcharge to the policy premium. No additional charge is required for Liability. Note: Do not include Other Structures Rented to Others in TIV calculation. Attach form HO 04 40. Personal Liability To increase above the $25,000 included: Liability Limit $ 50,000 $ 20 $ 100,000 $ 30 $ 200,000 $ 40 $ 300,000 $ 50 $ 400,000 $ 60 $ 500,000 $ 70 $1,000,000 $140 Underwritten by Scottsdale Insurance Company 9 Revised 3-17

Secondary / Additional Residence Rented to Others Attach HOS-44s and add the following additional premium to Personal Liability for each additional location: Liability Limit 1-2 Family 3-4 Family $ 25,000 $ 15 $ 20 $ 50,000 $ 20 $ 30 $ 100,000 $ 30 $ 45 $ 200,000 $ 40 $ 52 $ 300,000 $ 50 $ 65 $ 400,000 $ 60 $ 78 $ 500,000 $ 70 $ 91 $1,000,000 $140 $182 Personal Medical Payments / Medical Payments to Others Liability Limit $ 500 Included $1,000 Add $20 Each additional $1,000 Add $ 8 Maximum available limit is $10,000 Acreage Number of Acres 0-5 Included 6-25 Theft / Burglary Limitation $2.50 Per Acre or $25.00 (whichever is greater) 25+ Submit Theft coverage is limited to burglary where visible signs of forced entry are evident. Mysterious disappearance is not covered. Attach UTS-259. Limit $5,000 Included Each Additional $1,000 Add $10 Coverage available up to the Personal Property limit Underwritten by Scottsdale Insurance Company 10 Revised 3-17

Satellite / Antenna Coverage To increase the $200 coverage included in the policy, add the following premiums for the limit shown: Liability Limit $1,000 $ 50 $2,000 $ 70 $3,000 $ 90 $4,000 $110 $5,000 $130 Optional Coverages Personal Injury (Available when writing CPL for primary owner-occupied only.) Limit must be equal to the basic liability limit. Attach form HO 24 82. All Target risks are to be submitted to the Company. : Limit $ 25,000 $10 $ 50,000 $15 $ 100,000 $20 $ 200,000 $25 $ 300,000 $30 $ 500,000 $40 $1,000,000 $75 Extended Replacement Cost Amount Surcharge 25% 10% of Coverage A premium Complete and attach form HO 04 20. Coverage is only available with form HO-3. Building must be 50 years old or newer to qualify for coverage. Home must be insured to 100% replacement cost and an inspection is required. Underwritten by Scottsdale Insurance Company 11 Revised 3-17

Water Backup and Sump Discharge or Overflow (providing there are no prior losses of this type) Limit $ 5,000 $100 $10,000 $150 $25,000 $250 Complete and attach form HOS-88s. Coverage is only available with form HO-3, HO-4 and HO-6. Deductible must be a minimum of $250. Mold Sublimit Available with liability on owner or owner seasonal / secondary occupancies. Limit $5,000 $50 Attach form UTS-298g and deselect HOS-85s. Identity Fraud Expense Coverage Limit $15,000 $25 Attach form HOS-87s. Coverage is available on all homeowner coverage forms. $250 deductible, subject to no prior identity fraud losses. Eco Homeowners Coverage Available on HO-3 Charge 2% of the base premium, attach form HOS-108s Upgrade to Green Coverage Available on HO-3. Policy must include Personal Property Replacement Cost coverage. Charge $.02 per $100 of TIV, attach form HOS-107s In-Home Day Care Coverage is available for a maximum of five children. In-Home Day Care liability limit must equal the Personal Liability limit. Sexual and / or physical abuse limit of $25,000 is included, with no option to increase. Additional premiums are applied on a Per Location basis. Liability Limit $ 25,000 $105 $ 50,000 $125 $100,000 $175 $200,000 $205 $300,000 $235 $400,000 $250 $500,000 $275 Note: These premiums are separate from Personal Liability limits. Underwritten by Scottsdale Insurance Company 12 Revised 3-17

Inland Marine Supplemental Guidelines Underwriting Requirements Central station alarm required if total values exceed $50,000 Certified appraisals are required on items valued over $25,000 and must be less than three years old Appraisals must be received within 30 days of binding Items under $25,000, a bill of sale (including a SKU number or receipt with description of items) is required Golf carts or motorized ground maintenance equipment must be scheduled and identified by a serial number or equivalent identification number A completed application or supplement, including the insured s occupation(s) and signature, is required Submit Any single item over $25,000 Scheduled values exceeding a total of $50,000 Any prior Inland Marine loss in excess of $10,000 Gems and / or loose stones not in a setting Rare Coins Musical instruments used professionally and / or travel exceeds 500 mile radius Collectibles Underwritten by Scottsdale Insurance Company 13 Revised 3-17

Prohibited Two or more Inland Marine losses in the last three years Computer equipment such as laptops, tablets or cell phones Blanket Coverage Artist s Own Work Vehicles licensed for road use or used for business purposes The following classes are available in our mono-line Inland Marine program: Golf Carts and Motorized Ground Maintenance Vehicles, excluding collision Hearing Instruments not available in all states Bicycles not available in all states Inland Marine Rates Jewelry Ladies 1.40% Jewelry Men s 2.25% Furs.65% Silverware.75% Fine Arts Including Breakage.60%.75% Cameras 1% Stamps 1% Rare and Current Coins Collectibles Precious Metals Musical Instruments (Personal Use) Professional Use Submit Submit Submit Submit 1% 2% Golfer s Equipment 1.25% Guns 1.65% Underwritten by Scottsdale Insurance Company 14 Revised 3-17

Guidelines for IMS-15 Include the corresponding clause number for each type of property written. (Additional clauses may be added at Underwriter discretion.) Jewelry #1 #2 if vault coverage #7 #12 if residence safe #14 Furs #1 #11 #14 Silverware #2 #10 #12 Fine Arts #2 #4 if carpets #8 #10 #11 #12 Golfers Equipment #1 #14 Musical Instruments #8 #11 #14 Guns #6 #12 if applicable #14 Stamps and Coins #2 #10 #12 Cameras #3 #12 #14 Collectibles #2 #10 #11 #12 #14 Underwritten by Scottsdale Insurance Company 15 Revised 3-17