TOWN & FARM MOBILE/MANUFACTURED HOMES OWNER OCCUPIED PROGRAM

TOWN & FARM MOBILE/MANUFACTURED HOMES OWNER OCCUPIED PROGRAM RULES/UNDERWRITING GUIDELINES Page Standard Amounts of Coverage MH - 1 Eligible List MH - 2 Consideration List - Submit Non-Bound MH - 2 Prohibited List - Do Not Submit MH - 2 Description MH - 3 Perils Insured Against MH - 3 Optional Coverages MH - 3 DESCRIPTION OF RULES & RATES Mobile/Manufactured Home Rate Formulas MH - 3R Mobile/Manufactured Home Misc. Rates MH - 3R Preferred Mobile/Manufactured Home Rules MH - 4 Preferred Mobile/Manufactured Home Rates MH - 4R Class A 75 Mobile/Manufactured Home Rules MH - 5 Class A 75 Mobile/Manufactured Home Rates MH - 5R Class B 75 Mobile/Manufactured Home Rules MH - 6 Class B 75 Mobile/Manufactured Home Rates MH - 6R Class C 75 Mobile/Manufactured Home Rules MH - 7 Class C 75 Mobile/Manufactured Home Rates MH - 7R Mobile/Manufactured Home Contents Rules MH - 8 Mobile/Manufactured Home Contents Rates MH - 8R FMIC 5/2015 MH - 0

MOBILE/MANUFACTURED HOME PROGRAM The Mobile/Manufactured Endorsement is designed to be added to either the Home Protector or Farm Protector Policy and changes coverage A to the Mobile/Manufactured Home. The Standard Coverage Descriptions and Perils Insured Against are the same as either the Home or Farm Protector with the exception of those applicable to the Mobile/Manufactured Endorsement. Please refer back to those pages in the Homeowner or Farm Property Section of this Manual. STANDARD AMOUNT OF COVERAGE FOR TOWN: Under this policy, the following are included at no additional charge: 1. Preferred, Class A, B or C Owner-Occupied A. 75% of the amount of insurance on the Mobile/Manufactured Home for Unscheduled Personal Property; B. 10% of the amount of insurance on the Mobile/Manufactured Home for Auxiliary Private Structures (Town Only); C. 20% of the amount of insurance on the Mobile/Manufactured Home for Additional Living Expense. STANDARD AMOUNT OF COVERAGE FOR FARM: Under this policy, the following are included at no additional charge: 1. Preferred, Class A, B or C Owner-Occupied A. 75% of the amount of insurance on the Mobile/Manufactured Home for Unscheduled Personal Property; B. 20% of the amount of insurance on the Mobile/Manufactured Home for Additional Living Expense. FMIC 5/2015 MH - 1

MOBILE/MANUFACTURED HOME PROGRAM ELIGIBLE LIST The Insured may be:. Owner Occupied one family mobile/manufactured home.. Tenant of a mobile/manufactured home. CONSIDERATION LIST -- SUBMIT NON-BOUND The following risk may not be bound by the agent. Submit to the Company for underwriting approval:. Premises with questionable unsafe characteristics.. Premises with visible trash and debris that can be removed or cleaned.. Unfenced or inadequately fenced swimming pools.. Open pits or stone quarries on the Insured location.. Three losses in five years.. Mobile homes being remodeled or with unrepaired damage.. Vacant mobile homes. PROHIBITED LIST -- DO NOT SUBMIT The following risks are PROHIBITED:. Commercial risks.. Mobile/Manufactured homes with a manufactured date prior to 1977.. Mobile/Manufactured homes less than 40 feet long and/or 10 feet wide.. Insureds with known vicious animals.. Home Day Care Operations with four or more children.. Mobile/Manufactured homes without interior plumbing.. Horse stables or training operations.. Breeding, raising or selling of dogs on the premises.. Insureds with known claim frequency (more than three losses in five years).. Mobile/Manufactured homes with more than two leinholders.. Mobile/Manufactured homes with more than two roomers or boarders.. Camper trailers.. Mobile/Manufactured Homes with wood burning appliances that were not factory installed.. Insured that has a bankruptcy or under bankruptcy proceedings.. Insured that has been convicted of a felony. See liability section of manual for the list of those not eligible for Personal Injury coverage. FMIC 5/2015 MH - 2

MOBILE/MANUFACTURED HOME PROGRAM DESCRIPTIONS: Manufactured Homes (commonly called Mobile Homes) These are homes that are built entirely in the factory under a federal building code administered by the U.S. Department of Housing and Urban Development (HUD). The HUD code went into effect June 15, 1976. Manufactured homes may be single- or multi-section. They are transportable permanent housing built on a non removable chassis and designed to be used as a dwelling with or without a permanent foundation. Running gear consisting of wheels, axles, suspension, and towing equipment may be removed while the mobile home is being lived in, but must be capable of being reinstalled. The name change from mobile home to manufactured home occurred in 1980 as designated by HUD. Mobile Homes This is the term used for factory-built homes produced prior to June 15, 1976, when the HUD Code went into effect. By 1970, these homes were built to voluntary industry standards that were eventually enforced by 45 of the 48 contiguous states. They are transportable permanent housing built on a chassis and designed to be used as a dwelling with or without a permanent foundation. Running gear consisting of wheels, axles, suspension, and towing equipment may be removed while the mobile home is being lived in, but must be capable of being reinstalled. PERILS INSURED AGAINST: The Perils Insured Against are the Basic and Broad Form Perils listed in the Home Protector and the Farm Protector policy. Please refer back to the Homeowner section of this manual for the town perils and the Farm Property section for the farm perils. OPTIONAL COVERAGES: The same optional coverages for the Homeowner or Farm Owner policies are available for mobile/manufactured homes. Please refer back to the Homeowner or Farm Property section of this manual for those options. Optional coverage specific to Mobile/Manufactured Homes are listed below. MOBILE/MANUFACTURED HOME ENDOREMENT (FMIC-140 04/08): This endorsement changes coverage A description to the Mobile/Manufactured Home. ADDITIONAL SECURED PARTY S INTEREST COVERAGE (FMIC-141 04/08) This optional endorsement is used to provide coverage to a secured party for loss caused by collision, conversion, embezzlement, and secretion of a mobile/manufactured home. FMIC 5/2015 MH - 3

Forreston Mutual Insurance Co. Mobile/Manufactured Home Misc. Rates Effective 5/2015 Use these 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 Mobile/Manufactured Homes FPC 1-5 FPC 6-8 FPC 9-10 Preferred $ 35,000 +.5289 + 3.88.5289 + 3.88.5289 + 3.88.3378 + 9.79 Class A-75 $ 20,000 +.5821 + 3.88.5821 + 3.88.5821 + 3.88.3378 + 14.70 Class B-75 $ 10,000 +.7051 + 3.88.7051 + 3.88.7051 + 3.88.3378 + 28.02 Class C-75 $ 5,000 +.7934 + 3.88.7934 + 3.88.7934 + 3.88.3378 + 31.14 Mobile Home Contents $ 5,000 +.4849 + 0.00.4849 + 0.00.4849 + 0.00.1099 + 8.43 Policy Fee $40 Minimum Premium Per Policy $50 Personal Property Replacement Cost Unscheduled Personal Property - Additional Auxiliary Private Structures (Town Only) - Additional Additional Living Expense Fire Department Service Charge - Additional Refrigerated Products - Additional Sump Pump Failure/Backup of Sewers or Drains 10% of the base premium (after discounts) 13 per $100 of insurance 40 per $100 of insurance 30 per $100 of insurance $1.00 per $100 of insurance $1.00 per $100 of insurance $20.00 per $1000 coverage with a $250 deductible. Identity Fraud Expense $5,000.00 Coverag$12.00 Flat Premium Earthquake Mine Subsidence See Earthquake section of this manual See Mine Subsidence section of this manual Additional Secured Party's Interest Coverage Boat Docks $25.00 Flat Premium Class C Outbuilding Rate Deductible Factors Ded. Factor Territory Factors Terr. Factor Calculate the premium for $500 $ 0 2.16 See Page 13 in the General 20 1.00 deductible using the rates above, then $ 100 1.73 Section for a list of Territories by 21 1.07 multiply by the appropriate factor to $ 250 1.31 County 22 1.10 calculate the premium for other $ 500 1.00 23 1.12 deductibles. $1,000 0.88 24 1.16 $2,000 0.80 25 1.25 $3,000 0.72 $5,000 0.68 MH-3R

MOBILE/MANUFACTURED HOME PROGRAM PREFERRED MOBILE/MANUFACTURED HOME Perils Available Loss Settlement Types Available Basic Perils Actual Cash Value Broad Form Perils Replacement Cost Standard Amounts Min. Amount of Ins. Max. Binding Authority of Coverage $35,000. $150,000. HHG - 75% of Cov. A ALE - 20% of Cov. A APS - 10% of Cov. A - (Town Only) Personal Property Replacement Cost is included at no additional charge. Eligibility Requirements: 1. Must be a multi wide unit at least 22 feet in width and 40 feet in length and be of superior character and excellent repair. Premises must be neat and free from trash and weeds. 2. Must be set on a solid foundation along the exterior walls, connected to sanitary facilities and supplied by water from a continuous reliable source. 3. Must have approved electrical wiring and a heating system in excellent condition. No wood heat unless factory installed. 4. Must be Owner-Occupied as a permanent one family home. 5. Must be properly anchored in accordance with the Illinois Codes. 6. Must have a manufacturing date (age) of no more than 15 years. 7. When insured for replacement cost the unit must be insured for 80% of the replacement value. When insured for actual cash value (ACV) the unit must be insured for a minimum of the ACV which can not be less than 60% of the replacement cost. Inflation factor will apply. 8. Cost estimator and photographs (front and rear) submitted with application. 9. Readily accessible to a fire truck. FMIC 5/2015 MH - 4

Forreston Mutual Insurance Co. Preferred Mobile/Manufactured Homes Effective 5/2015 Fire + Wind Premium Amount of $1,000 $2000 $3000 Coverage DED DED DED 35000 279 253 228 37000 295 268 241 39000 310 282 253 41000 324 295 266 43000 339 309 278 45000 356 324 291 47000 371 337 303 49000 385 350 315 51000 401 365 328 53000 416 378 340 55000 432 393 353 57000 446 406 365 59000 462 420 378 61000 478 435 391 63000 493 448 404 65000 508 461 416 67000 523 475 428 69000 539 489 441 71000 554 503 453 73000 568 517 465 75000 584 531 478 77000 600 545 490 79000 615 560 503 81000 629 572 515 83000 645 586 528 85000 660 600 540 87000 676 614 553 89000 691 628 565 91000 706 642 577 93000 721 656 590 95000 736 670 602 97000 752 684 615 99000 767 697 627 101000 782 711 640 103000 798 725 653 106000 821 746 672 109000 843 766 690 112000 865 787 708 115000 889 808 728 118000 912 828 746 121000 936 850 766 124000 959 871 784 127000 981 892 803 130000 1003 912 821 133000 1026 933 839 136000 1049 953 859 139000 1072 974 877 142000 1094 995 896 145000 1118 1017 915 150000 1155 1051 946 MH-4R

MOBILE/MANUFACTURED HOME PROGRAM CLASS A MOBILE/MANUFACTURED - 75 Perils Available Loss Settlement Types Available Basic Perils Actual Cash Value Broad Form Perils Replacement Cost Standard Amounts Min. Amount of Ins. Max. Binding Authority of Coverage $20,000. $150,000. HHG - 75% of Cov. A ALE - 20% of Cov. A APS - 10% of Cov. A - (Town Only) Personal Property Replacement Cost is included at no additional charge. Eligibility Requirements: 1. Can be a single or multi wide unit of superior character and excellent repair. Premises must be neat and free from trash and weeds. 2. Must have a continuous permanent approved skirting enclosure, connected to sanitary facilities and supplied by water from a continuous reliable source. 3. Must have approved electrical wiring and a heating system in excellent condition. No wood heat unless factory installed. 4. Must be Owner-Occupied as a permanent one family home. 5. Must be properly anchored in accordance with the Illinois Codes. 6. Must have a manufacturing date (age) of no more than 20 years. 7. When insured for replacement cost the unit must be insured for 80% of the replacement value. When insured for actual cash value (ACV) the unit must be insured for a minimum of the ACV which can not be less than 60% of the replacement cost. Inflation factor will apply. 8. Cost estimator and photographs (front and rear) submitted with application. 9. Readily accessible to a fire truck FMIC 5/2015 MH - 5

Forreston Mutual Insurance Co. Class A-75 Mobile/Manufactured Homes Effective 5/2015 Fire + Wind Premium Amount of $1,000 $2000 $3000 Coverage DED DED DED 20000 125 114 102 22000 136 124 112 24000 147 135 121 26000 159 144 129 28000 169 153 138 30000 180 164 148 32000 191 173 157 34000 202 184 166 36000 212 193 174 38000 224 203 183 40000 235 214 192 42000 245 224 201 44000 256 232 209 46000 268 243 218 48000 278 253 227 50000 290 263 236 52000 300 273 246 54000 310 283 254 56000 323 293 264 58000 333 303 272 60000 343 312 281 62000 355 322 290 64000 365 332 298 66000 376 342 308 68000 387 352 317 70000 398 362 326 72000 409 372 335 74000 420 382 344 76000 430 391 352 78000 442 401 361 80000 453 412 371 83000 469 426 383 86000 484 441 397 89000 501 456 411 92000 517 470 423 95000 535 487 438 98000 550 501 451 101000 567 516 464 104000 583 531 478 109000 611 555 500 112000 628 570 513 115000 644 584 526 118000 660 600 540 121000 676 614 553 124000 694 630 567 129000 720 654 589 134000 747 680 611 139000 774 704 633 144000 802 729 656 150000 834 759 682 MH-5R

CLASS B MOBILE/MANUFACTURED - 75 MOBILE/MANUFACTURED HOME PROGRAM 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 $10,000. $70,000. HHG - 75% of Cov. A ALE - 20% of Cov. A APS - 10% of Cov. A - (Town Only) Personal Property Replacement Cost charge is 10% of Base Rate. Eligibility Requirements: 1. Can be a single or multi wide unit and be of above average repair. Premises must be neat and free from trash and weeds. 2. Must have a continuous permanent approved skirting enclosure, connected to sanitary facilities and supplied by water from a continuous reliable source. 3. Must have approved electrical wiring and a heating system in excellent condition. No wood heat unless factory installed. 4. Must be Owner-Occupied as a permanent one family home. 5. Must be properly anchored in accordance with the Illinois Codes. 6. Must have a manufacturing date (age) of no more than 25 years. 7. Must be insured for Actual Cash Value or current Market Value. 8. Cost estimator and photographs (front and rear) submitted with application. 9. Readily accessible to a fire truck. FMIC 5/2015 MH - 6

Forreston Mutual Insurance Co. Class B-75 Mobile/Manufactured Homes Effective 5/2015 Fire + Wind Premium Amount of $1,000 $2000 $3000 Coverage DED DED DED 10000 120 109 98 11000 128 117 105 12000 138 125 113 13000 147 135 121 14000 157 142 128 15000 167 151 136 16000 175 160 143 17000 184 167 150 18000 193 176 158 19000 202 184 165 20000 212 193 173 21000 221 201 180 22000 230 209 187 23000 239 218 196 24000 248 225 203 25000 257 234 211 26000 267 243 219 27000 276 250 226 28000 285 259 234 29000 294 267 241 30000 303 275 248 31000 312 284 256 32000 322 293 264 33000 331 301 271 34000 341 309 279 35000 349 318 286 36000 359 326 294 37000 368 334 301 38000 376 343 308 39000 387 351 316 40000 395 359 323 41000 405 368 331 42000 414 376 338 43000 422 384 346 44000 432 393 353 45000 440 401 361 47000 460 418 376 48000 468 426 383 50000 486 443 398 51000 495 450 405 53000 515 468 421 54000 524 476 428 56000 542 493 443 58000 560 509 458 60000 579 527 473 62000 597 543 489 64000 615 559 504 66000 634 576 519 68000 652 592 534 70000 669 609 548 MH 6R

MOBILE/MANUFACTURED HOME PROGRAM CLASS C MOBILE/MANUFACTURED 75 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 $5,000. $70,000. HHG - 75% of Cov. A ALE - 20% of Cov. A APS - 10% of Cov. A - (Town Only) Personal Property Replacement Cost charge is 10% of Base Rate. Eligibility Requirements: This classification is for eligible Mobile/Manufactured Homes not meeting Class A or B requirements. However the following qualifications must be met: 1. Must be of good character and adequate repair and a manufactured date of 1977 or newer. Premises must be free from trash and weeds. 2. Must be Owner-Occupied as a permanent one family home. 3. Must be properly anchored in accordance with the Illinois Codes. 4. Must have a continuous permanent approved skirting enclosure, connected to sanitary facilities and supplied by water from a continuous reliable source. 5. Must have approved electrical wiring and a heating system in excellent condition. No wood heat unless factory installed. 6. Must be insured for Actual Cash Value or current Market Value. 7. Cost estimator and photographs (front and rear) submitted with application. 8. Readily accessible to a fire truck. FMIC 5/2015 MH - 7

Forreston Mutual Insurance Co. Class C-75 Mobile/Manufactured Home Effective 5/2015 Fire + Wind Premium Amount of $1,000 $2000 $3000 Coverage DED DED DED 5000 81 73 67 6000 90 82 74 7000 100 91 82 8000 110 100 90 9000 121 110 99 10000 130 118 107 11000 140 127 115 12000 150 137 123 13000 160 146 131 14000 170 154 139 15000 180 164 148 16000 190 173 155 17000 200 182 164 18000 210 192 172 19000 220 200 180 20000 230 209 188 21000 240 218 195 22000 249 226 204 23000 260 236 212 24000 270 245 221 25000 280 255 229 26000 290 263 237 27000 299 272 245 28000 310 282 254 29000 320 290 261 30000 329 300 269 31000 340 309 278 32000 349 317 286 33000 360 327 295 34000 369 336 302 35000 379 345 310 36000 390 354 319 37000 398 363 326 38000 409 372 335 40000 428 390 351 42000 449 408 368 44000 469 426 384 46000 490 445 401 48000 509 462 416 50000 529 481 433 52000 548 499 449 54000 568 517 465 56000 588 534 481 58000 608 553 497 60000 628 571 514 62000 648 590 531 64000 668 608 547 66000 689 625 563 68000 708 643 579 70000 728 661 595 MH 7-R

MOBILE/MANUFACTURED HOME PROGRAM MOBILE/MANUFACTURED HOME TENANT-PERSONAL PROPERTY Perils Available Basic Perils Broad Form Perils Loss Settlement Types Available Actual Cash Value Replacement Cost Contents Standard Amounts Min. Amount of Ins. Max. Binding Authority of Coverage $5,000. $70,000. ALE - 20% of Cov. C Personal Property Replacement Cost charge is 10% of Base Rate. Eligibility Requirements: This classification is for a tenant living in a mobile/manufactured home. 1. Must be of good character and adequate repair. Mobile/Manufactured Home must have a manufactured date of 1977 or newer. Premises must be free from trash and weeds. 2. Must be properly anchored in accordance with the Illinois Codes. 3. Must have a continuous permanent approved skirting enclosure, connected to sanitary facilities and supplied by water from a continuous reliable source. 4. Must have approved electrical wiring and a heating system in excellent condition. No wood heat unless factory installed. 5. Photographs (front and rear) submitted with application. 6. Readily accessible to a fire truck FMIC 5/2015 MH - 8

Forreston Mutual Insurance Co. Mobile/Manufactured Home Contents Effective 5/2015 Fire + Wind Premium Amount of $500 $1,000 $2000 $3000 Coverage DED DED DED DED 5000 38 33 30 27 6000 44 39 35 32 7000 50 44 40 36 8000 56 49 45 40 9000 62 55 49 45 10000 67 59 53 49 11000 74 65 59 53 12000 80 70 64 58 13000 86 75 68 62 14000 92 81 73 66 15000 98 86 78 71 16000 104 92 83 75 17000 109 96 88 78 18000 115 102 92 83 19000 121 107 97 87 20000 127 111 102 92 21000 134 118 108 96 22000 140 123 112 101 23000 146 129 117 105 24000 151 133 121 109 25000 157 138 126 113 26000 163 144 131 118 27000 169 148 135 121 28000 175 154 140 126 29000 181 159 145 131 30000 186 164 149 134 31000 192 169 154 138 32000 199 175 159 144 33000 205 181 164 147 34000 211 185 169 152 35000 217 191 174 156 36000 223 196 178 161 37000 228 201 182 164 38000 234 206 187 168 40000 246 217 197 177 42000 259 228 207 187 44000 270 237 216 194 46000 282 248 225 203 48000 294 259 235 212 50000 305 268 244 219 52000 318 280 255 229 54000 330 291 264 238 56000 342 301 274 246 58000 353 310 283 254 60000 365 321 292 263 62000 378 333 303 272 64000 389 343 311 280 66000 401 353 321 288 68000 413 363 330 298 70000 424 373 339 305 MH-8R