section page rules · claims to evaluate acceptability. no-pay claims: generally no-pay claims are...
Post on 09-Oct-2020
0 Views
Preview:
TRANSCRIPT
BMIC (09-15) 1 HOMEOWNER
HOMEOWNER
SECTION PAGE RULES:
ELIGIBILITY ................................................................................................................2-3
PROGRAM DESCRIPTION ..............................................................................................3-4
POLICYWRITING INSTRUCTIONS ......................................................................................4
PREMIUM DETERMINATION ..............................................................................................5
PREMIUM MODIFICATIONS ..............................................................................................5
OPTIONAL SECTION I: PERSONAL PROPERTY COVERAGES .................................................5-6
OPTIONAL SECTION II: LIABILITY COVERAGES ................................................................6-7
RATES: PREMIUM MODIFICATIONS ..............................................................................................7
OPTIONAL SECTION I: PERSONAL PROPERTY COVERAGES .................................................7-8
TERRITORY DEFINITIONS ................................................................................................8
PACKAGE RATES ....................................................................................................... 9-25
CPL COVERAGE RATES ............................................................................................. 26-27
Policy Fee: $50
BMIC (01-17) 2 HOMEOWNER
RULE 1 - ELIGIBILITY
To qualify for Homeowner all dwellings (Preferred Form 5, Forms 3; 8, & Classic) must have gable or hip type roof (no flat roofs) and must have continuous masonry foundations. See roof replacement eligibility
requirements in the Underwriting section, page 10. Preferred Form 5: Dwelling must be built 1965 or newer and must have a central heating system.
Fireplace or insert only. No other wood heating system allowed (outside units heating water for dwelling heat are acceptable). You cannot write coverage on any risk in Class 10. Minimum limit of coverage is $120,000.
Form 3: Dwelling must be built 1965 or newer and must have a central heating system. Minimum limit of coverage is $80,000.
Form 8 & Classic: Updates required for pre-1965 homes.
Electrical – Must be fully rewired, if not, refer to underwriting Plumbing – Copper or plastic required, some galvanized accepted Heating – Does not have to have Central.
Valuation Form 8 – Insurable value written at market value. Minimum limit of coverage is $50,000 Classic – Insurable value written at replacement. Minimum limit of coverage is $80,000.
Renter Form 4 – HO4:
Contents coverage may be written on contents in the following: 1) dwelling 2) mobile home
3) apartment house Do NOT write in the following: 1) fraternity house
2) sorority house 3) commercial structure, unless Barton has the commercial coverage
College students are acceptable if Barton has supporting coverage. Minimum limit of coverage is $15,000.
Form 6 Condo: Two rating categories: (1) 1960 and newer or (2) Pre-1960
Should be owner’s primary residence. If rented or used as a seasonal, see the Rental or Seasonal section.
Minimum limit of coverage is $30,000. 1.1 OWNER OCCUPIED
A policy may be issued to an owner-occupant of a dwelling used only for private residential purposes and occupied by no more than four families and no more than two boarders or roomers per family.
1.4 DWELLING UNDER CONSTRUCTION
A policy may be issued to cover the interest of the intended owner-occupant of a dwelling under construction. See Underwriting page 9.
1.6 UNDERWRITER APPROVAL REQUIRED ON THE FOLLOWING
(1) Applicant that has plead guilty or been convicted of a felony.
(2) Any dwelling where the roof covering is slate, asbestos, concrete or any non-standard
material. We will accept the risk, given these roof coverings, if the insured will agree to a
roof exclusion.
BMIC (01-17) 3 HOMEOWNER
(3) Risks with unfenced in-ground swimming pools.
(4) Risks with pools with diving boards.
1.7 CLAIM UNDERWRITING
The following are guidelines concerning claims history and acceptability. Each applicant and claim scenario is different, so the underwriter will review the entire account and the type of claim or claims to evaluate acceptability.
NO-PAY CLAIMS: Generally no-pay claims are treated as a paid claim.
SINGULAR RISK: 2 claims in 3 years or 3 claims in 5 years would disqualify a risk.
If there are more than 2 fire claims in the last 5 years, regardless of the number of properties, the risk will be declined.
RULE 2 - PROGRAM DESCRIPTION
The following is a general description of the coverages provided by the Homeowner forms. The policy forms
state the complete conditions. 2.1 SECTION 1 COVERAGES - PROPERTY (MANDATORY): MINIMUM LIMITS
Coverage A - Residence Coverage B - Related Private Structures, 10% of Coverage A
Coverage C - Personal Property, 50% of Coverage A Coverage D - Additional Living Expense, 10% of Coverage A
Forms 3, 8 and Classic cover the residence, private structures and additional living expense against all physical loss, with certain exceptions. Personal Property is covered for the perils shown on Form
4 below.
Preferred Form 5 covers the residence, private structures, personal property, and additional living expense against all physical loss, with certain exceptions.
Form 4 covers personal property and additional living expense against losses resulting from the perils indicated below.
Fire or Lightning Theft Windstorm or Hail Falling Objects
Explosion Weight of Ice, Snow or Sleet Riot or Civil Commotion Collapse of Building Aircraft Vehicles
Glass Breakage Sinkhole Collapse Freezing
Volcanic Eruption Accidental Discharge or Overflow of Water or Steam Vandalism & Malicious Mischief
Sudden & Accidental Damage from Smoke Sudden & Accidental Damage from Artificially Generated Electrical Currents Sudden & Accidental Tearing Apart, Cracking, Burning, or Bulging
CONDO – FORM 6
Coverage A - (the condo unit) 15% of Coverage C Coverage B - None Coverage C - 100%
BMIC (01-17) 4 HOMEOWNER
Coverage D - Additional Living Expense, 20% of Coverage C
The Condo unit and Contents are both Special From.
2.2 SECTION II COVERAGES - LIABILITY (MANDATORY) Personal Liability - Pays on behalf of the insured for damages due to bodily injury or property
damage caused by an occurrence related to the insured's premises or personal activities.
SECTION II COVERAGES ALL FORMS
Personal Liability $100,000 each occurrence
Medical Payments to others $1,000 each person/$25,000 ea. accident
RULE 3 - POLICYWRITING INSTRUCTIONS
3.2 ANNUAL TERM policies are written for a one year term. Rates are subject to change at
anniversary.
3.5 ADDITIONAL INTERESTS
The policy may cover the interests of additional owners at no additional premium. This coverage
is limited to the building and premises liability.
3.7 RESTRICTION OF COVERAGE
If a policy would not be issued because of unusual exposures, the applicant may request a
restriction of coverage at no reduction of premium. The request, signed by the applicant, must be
referred to the Company. 3.8 CANCELLATION OR REDUCTIONS IN LIMITS OF LIABILITY OR COVERAGES
Mandatory coverages may not be cancelled unless the entire policy is cancelled. If the policy or
non-mandatory coverages are cancelled or the amount of insurance is reduced, return premium is computed on a pro-rata basis.
BMIC (01-19) 5 HOMEOWNER
RULE 4 - PREMIUM DETERMINATION Annual premiums and rates are shown in the rate pages. The basic policy premiums are for property and
liability coverages. LIABILITY COVERAGE FOR THE FOLLOWING EXPOSURES ARE REQUIRED IF THEY EXIST: (The additional
premium is shown in the rate pages.)
All additional or secondary residence premises where the named insured or spouse maintains a residence other than business or farm properties.
All residence employees of the named insured or spouse not covered or not required to be covered by Workers' Compensation Insurance. A charge is required for residence
employees in excess of two. Incidental office, professional, private school or studio occupancies by the named
insured on residential premises of the named insured.
RULE 6 - PREMIUM MODIFICATIONS
6.1 PROTECTIVE DEVICES
Premium credits are available in the rate pages for approved and properly maintained
central station burglary and/or fire alarm and sprinkler systems.
RULE 7 - OPTIONAL SECTION I PERSONAL PROPERTY COVERAGES 7.4 RELATED PRIVATE STRUCTURES
7.4.1 Increased Limits - An additional amount of insurance may be written on a specific private
structure at the additional premium shown in the rate pages. The amount of coverage purchased shall not increase the coverage B limit. The amount purchased is the only amount applicable to specific structures.
7.5 PERSONAL PROPERTY
7.5.1 Increased Limit - The Coverage C limit of liability may be increased at the additional premium shown in the rate pages.
7.6 REPLACEMENT VALUE - PERSONAL PROPERTY
Personal property may be insured for replacement value at the additional charge shown in the rate pages. Replacement cost is included for personal property in the Preferred program.
7.13 REFRIGERATED FOOD PRODUCTS
Coverage is included for loss or damage to food products contained in a freezer or refrigerated unit. $500.00 limit.
7.14 ADDITIONAL LIVING EXPENSES
Coverage D may be increased at the additional premium shown in the rate pages. Show limit on declarations page.
BMIC (01-19) 6 HOMEOWNER
RULE 8 - OPTIONAL SECTION II LIABILITY COVERAGES All mandatory or optional Section II Coverages must be written at the same limit.
8.1 ADDITIONAL RESIDENCE PREMISES - RENTED TO OTHERS
Generally extension of liability is not allowed. Liability must be written on the same policy insuring the rental or seasonal dwelling. Special exceptions will be allowed.
8.4 BUSINESS ACTIVITIES
Coverage may be provided for the liability of an insured arising out of business activities, other than a business of which the insured is sole owner or a partner, at the additional premium shown in the
rate pages. Classify as shown below, and apply the charges to each person insured.
CLASSIFICATIONS:
8.4.4 Teachers - Athletic, laboratory, manual training, physical training and swimming instruction, excluding liability for corporal punishment of pupils.
8.4.5 Teachers - Not otherwise classified, excluding liability for corporal punishment of pupils.
8.4.6 Teachers - Liability for corporal punishment of pupils. Additional premium for this coverage must be added to the premium for classification 8.4.4 or 8.4.5.
OCCUPATIONS NOT OTHERWISE CLASSIFIED - REFER TO COMPANY.
8.6 OWNED SNOWMOBILES AND ATV - OFF PREMISES Coverage may be provided for each snowmobile or ATV owned by an insured residing in the named
insured's household at the premium shown in the rate pages.
8.7 OUTBOARD MOTORS AND WATERCRAFT Coverage may be provided for watercraft not covered by the policy at the premiums shown in the
rate pages. For rating purposes, combine the horsepower of all outboard motors used together with
any single watercraft owned by the insured.
Sailboats 26 to 40 feet inclusive equipped with auxiliary power are classed as inboard motor boats.
8.8 PERSONAL INJURY
Coverage may be provided for the named insured's legal liability resulting from the false arrest, libel, slander or invasion of privacy of another. The additional premium is shown in the rate pages.
BMIC (01-19) 7 HOMEOWNER
PREMIUM MODIFICATIONS 6.1 CENTRAL STATION ALARM SYSTEM: 5% CREDIT for burglary & 5% CREDIT for fire (after any
deductible credits) SPRINKLER: 3% CREDIT (after any deductible credits)
6.2 CHANGES IN PACKAGE LIMITS. Rate per $1000.
CLASS 1-9 CLASS 10
RELATED PRIVATE
STRUCTURES
ADD 3.85 6.60
DECREASE 3.00 5.15
PERSONAL
PROPERTY
ADD 3.00 4.00
DECREASE 2.34 3.12
ADD'L LIVING
EXPENSE
ADD 4.00 4.00
DECREASE 3.12 3.12
DECREASES normally restricted to special situations (parsonages). INCREASES should be accompanied by
an explanation (photo of outbuilding; high quality furnishings, etc.).
OPTIONAL SECTION I - PERSONAL PROPERTY COVERAGES
7.6 REPLACEMENT VALUE PERSONAL PROPERTY
7.6.1 Preferred: Included. 7.6.2 Form 3, 4 and Classic: Flat $25.00 charge 7.6.3 Form 8: Increase basic policy premium by 10%. Minimum premium is $25.00.
Form 6 Condo: Flat $40 charge.
7.13 REFRIGERATED FOOD PRODUCTS $500 coverage included.
BOAT DOCKS - (Collapse coverage is excluded by the policy.) To cover boat docks for collapse, schedule the dock Inland Marine. See IM page 24 for details. $11.00 per 1,000
INCREASED COST - ORDINANCE OR LAW - INCREASED LIMITS OF COVERAGE
Our HO forms provide a limited amount of coverage for the increased cost that results from the enforcement of a code, ordinance, or law that regulates the construction, repair, replacement, or demolition of property following a covered loss. 10% of Coverage A is included. The increases shown
on the chart below are increases outside Coverage A.
Premium Determination -- Determine the basic policy premium; multiply the premium by the appropriate factor shown below.
Total Percentage Factor
25% 1.05
50% 1.15
75% 1.25
100% 1.35
BMIC (01-19) 8 HOMEOWNER
MANDATORY COVERAGES The following mandatory coverage applies to all Homeowner policies:
Family Cyber Protection ($26 annual premium):
Provides a $15,000 aggregate limit with a $1,000 deductible for the following coverages: Online
Extortion, Social Engineering, Cyber Bullying, Identity Theft, System Compromise, Internet Clean Up, and Breach Costs. Excludes activities related to a home-based business.
The following mandatory coverage applies to all Homeowner policies except Form 4 and Condo:
Service Line Enhancement Endorsements ($20 annual premium): Provides coverage for damage to underground service lines as a result of a covered failure (covered
cause of loss includes wear and tear of line). Coverage is limited to the dwelling.
TERRITORY DEFINITIONS
TWO TERRITORIES:
TERRITORY 1:
BUTLER MADISON ST CHARLES CLAY MISSISSIPPI ST LOUIS DUNKLIN NEW MADRID STODDARD
JACKSON PEMISCOT WAYNE JEFFERSON SCOTT
TERRITORY 2:
BALANCE OF STATE
BMIC (01-19) 9 HOMEOWNER
RENTER FORM 4 – HO4 TERRITORY 1
Includes $100,000 CPL/$1,000 Med Pay/10% ALC Deductible: $500 all other perils / $1,000 wind hail
DEDUCTIBLE CREDITS: $1,000 all other perils / $2,000 wind hail - 10% credit
$2,000 - 17% credit $2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES:
26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the cause of
loss. $4,000 limitation. $500 Deductible. 35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required. 25.00 REPLACEMENT CONTENTS
25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of artificially generated electrical currents, mechanical breakdown, and losses from pressure
equipment.
COVERAGE CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
15,000 198.13 208.80 217.94 227.10 340.65
20,000 211.85 224.04 233.19 242.34 375.34
25,000 242.34 254.53 265.21 280.46 434.80
30,000 272.83 285.03 298.75 315.52 492.60
Ea. add'l $1,000 7.86 8.41 8.78 9.30 15.08
RENTER FORM 4 – HO4 TERRITORY 2 Includes $100,000 CPL/$1,000 Med Pay/10% ALC
Deductible: $500 all other perils / $1,000 wind hail
COVERAGE CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
15,000 185.79 195.49 203.81 212.12 315.73
20,000 198.26 209.35 217.67 225.98 347.26
25,000 225.98 237.07 246.77 260.63 401.31
30,000 253.70 264.79 277.27 292.51 453.87
Ea. add'l $1,000 7.14 7.66 7.97 8.45 13.71
BMIC (01-19) 10 HOMEOWNER
HOMEOWNER FORM 3 TERRITORY 1
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Dwelling age: 0-10 years Deductible: $500 all other perils / $1,000 wind hail
CREDITS: A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry.
CREDITS FOR HIGHER DEDUCTIBLE:
$1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit $2,500 - 20% credit
$3,000 - 25% credit
ADDITIONAL CHARGES: 26.00 FAMILY CYBER PROTECTION (mandatory—see page 8)
20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the
cause of loss. $4,000 limitation. $500 deductible.
35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required. 25.00 REPLACEMENT COST CONTENTS
5.60 per $1,000 SEWER BACKUP 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of
artificially generated electrical currents, mechanical breakdown, and losses from
pressure equipment. 20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be
25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
80,000 781.98 883.78 919.05 1,221.09 1,412.91
90,000 827.90 935.66 973.00 1,292.77 1,495.83
100,000 873.81 987.55 1,026.96 1,364.44 1,578.76
110,000 931.71 1,052.97 1,094.99 1,454.82 1,683.32
120,000 989.61 1,118.40 1,163.03 1,545.19 1,787.88
130,000 1,047.50 1,183.83 1,231.06 1,635.56 1,892.44
140,000 1,105.40 1,249.25 1,299.09 1,725.94 1,997.00
150,000 1,163.30 1,314.68 1,367.13 1,816.31 2,101.57
175,000 1,344.77 1,519.74 1,580.37 2,099.58 2,429.31
200,000 1,526.24 1,724.81 1,793.62 2,382.85 2,757.06
225,000 1,696.77 1,917.53 1,994.01 2,649.06 ---
250,000 1,867.30 2,110.24 2,194.41 2,915.27 ---
275,000 2,037.85 2,302.96 --- --- ---
300,000 2,208.39 2,495.68 --- --- ---
325,000 2,378.92 2,688.40 --- --- ---
350,000 2,549.45 2,881.12 --- --- ---
BMIC (01-19) 11 HOMEOWNER
HOMEOWNER FORM 3 TERRITORY 2
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Dwelling age: 0-10 years Deductible: $500 all other perils / $1,000 wind hail
CREDITS:
A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry. CREDITS FOR HIGHER DEDUCTIBLE:
$1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit
$2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES:
26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the
cause of loss. $4,000 limitation. $500 deductible. 35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required. 25.00 REPLACEMENT COST CONTENTS
5.60 per $1,000 SEWER BACKUP 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of
artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.
20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be
25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
80,000 717.20 809.71 841.18 1,116.31 1,289.90
90,000 759.31 857.25 890.58 1,181.84 1,365.61
100,000 801.42 904.78 939.97 1,247.36 1,441.32
110,000 854.52 964.73 1,002.24 1,329.98 1,536.78
120,000 907.63 1,024.67 1,064.51 1,412.61 1,632.25
130,000 960.73 1,084.62 1,126.78 1,495.23 1,727.71
140,000 1,013.83 1,144.56 1,189.05 1,577.86 1,823.17
150,000 1,066.93 1,204.50 1,251.33 1,660.48 1,918.63
175,000 1,233.38 1,392.40 1,446.52 1,919.46 2,217.86
200,000 1,399.83 1,580.30 1,641.72 2,178.43 2,517.08
225,000 1,556.26 1,756.88 1,825.15 2,421.81 ---
250,000 1,712.68 1,933.46 2,008.59 2,665.18 ---
275,000 1,869.10 2,110.03 --- --- ---
300,000 2,025.53 2,286.61 --- --- ---
325,000 2,181.95 2,463.19 --- --- ---
350,000 2,338.37 2,639.77 --- --- ---
BMIC (01-19) 12 HOMEOWNER
HOMEOWNER FORM 3 TERRITORY 1
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Dwelling age: 11 years and older Deductible: $500 all other perils / $1,000 wind hail
CREDITS:
A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry. CREDITS FOR HIGHER DEDUCTIBLE:
$1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit
$2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES:
26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the
cause of loss. $4,000 limitation. $500 deductible. 35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required. 25.00 REPLACEMENT COST CONTENTS
5.60 per $1,000 SEWER BACKUP 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of
artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.
20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be
25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
80,000 915.44 1,061.81 1,205.76 1,605.97 1,751.10
90,000 969.18 1,124.14 1,276.53 1,700.22 1,853.87
100,000 1,022.92 1,186.46 1,347.30 1,794.47 1,956.64
110,000 1,090.69 1,265.05 1,436.54 1,913.31 2,086.22
120,000 1,158.46 1,343.64 1,525.78 2,032.15 2,215.80
130,000 1,226.22 1,422.24 1,615.02 2,150.99 2,345.38
140,000 1,293.99 1,500.83 1,704.27 2,269.83 2,474.96
150,000 1,361.76 1,579.42 1,793.51 2,388.68 2,604.53
175,000 1,574.16 1,825.77 2,073.22 2,761.18 3,010.69
200,000 1,786.56 2,072.11 2,352.94 3,133.69 3,416.84
225,000 1,986.18 2,303.61 2,615.80 3,483.76 ---
250,000 2,185.80 2,535.11 2,878.66 3,833.82 ---
275,000 2,385.41 2,766.61 --- --- ---
300,000 2,585.02 2,998.12 --- --- ---
325,000 2,784.63 3,229.63 --- --- ---
350,000 2,984.23 3,461.14 --- --- ---
BMIC (01-19) 13 HOMEOWNER
HOMEOWNER FORM 3 TERRITORY 2
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Dwelling age: 11 years and older Deductible: $500 all other perils / $1,000 wind hail
CREDITS:
A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry.
CREDITS FOR HIGHER DEDUCTIBLE: $1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit
$2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES:
26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the
cause of loss. $4,000 limitation. $500 deductible. 35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required.
25.00 REPLACEMENT COST CONTENTS 5.60 per $1,000 SEWER BACKUP 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of
artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.
20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be
25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
80,000 839.12 972.20 1,103.05 1,467.51 1,598.20
90,000 888.38 1,029.26 1,167.79 1,553.65 1,691.99
100,000 937.64 1,086.33 1,232.53 1,639.78 1,785.78
110,000 999.76 1,158.30 1,314.17 1,748.39 1,904.04
120,000 1,061.88 1,230.26 1,395.82 1,856.99 2,022.31
130,000 1,124.00 1,302.23 1,477.46 1,965.59 2,140.57
140,000 1,186.12 1,374.19 1,559.10 2,074.20 2,258.84
150,000 1,248.24 1,446.16 1,640.74 2,182.80 2,377.10
175,000 1,442.96 1,671.71 1,896.65 2,523.20 2,747.81
200,000 1,637.68 1,897.27 2,152.56 2,863.60 3,118.51
225,000 1,820.66 2,109.26 2,393.04 3,183.50 ---
250,000 2,003.64 2,321.24 2,633.52 3,503.40 ---
275,000 2,186.63 2,533.22 --- --- ---
300,000 2,369.61 2,745.19 --- --- ---
325,000 2,552.59 2,957.17 --- --- ---
350,000 2,735.58 3,169.15 --- --- ---
BMIC (01-19) 14 HOMEOWNER
HOMEOWNER FORM 8 TERRITORY 1
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Deductible: $500 all other perils / $1,000 wind hail
CREDITS: A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry.
CREDITS FOR HIGHER DEDUCTIBLE: $1,000 all other perils / $2,000 wind hail - 10% credit
$2,000 - 17% credit $2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES:
26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8)
50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the cause of loss. $4,000 limitation. $500 deductible.
35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required.
25.00 minimum REPLACEMENT COST CONTENTS 10% of package premium. 5.60 per $1,000 SEWER BACKUP
25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.
20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be 25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be
written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
50,000 957.36 1,005.75 1,056.08 1,233.44 1,274.80
55,000 977.32 1,026.32 1,077.67 1,265.31 1,350.46
60,000 997.28 1,046.88 1,099.26 1,297.18 1,426.13
65,000 1,017.24 1,067.45 1,120.85 1,329.05 1,501.79
70,000 1,037.20 1,088.02 1,142.45 1,360.91 1,577.45
80,000 1,185.51 1,243.55 1,305.84 1,555.43 1,802.86
110,000 1,630.44 1,710.16 1,796.01 2,138.99 2,479.09
150,000 2,223.67 2,332.30 2,449.57 2,917.08 3,380.73
PER $1,000 OVER 14.83 15.55 16.34 19.44 22.54
BMIC (01-19) 15 HOMEOWNER
HOMEOWNER FORM 8 TERRITORY 2
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Deductible: $500 all other perils / $1,000 wind hail
CREDITS:
A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry.
CREDITS FOR HIGHER DEDUCTIBLE: $1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit
$2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES:
26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the
cause of loss. $4,000 limitation. $500 deductible. 35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required.
25.00 minimum REPLACEMENT COST CONTENTS 10% of package premium. 5.60 per $1,000 SEWER BACKUP 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of
artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.
20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be
25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
50,000 870.26 912.83 961.22 1,122.43 1,167.05
55,000 888.41 931.68 980.67 1,151.34 1,235.04
60,000 906.55 950.53 1,000.13 1,180.25 1,303.03
65,000 924.70 969.37 1,019.58 1,209.16 1,371.01
70,000 942.85 988.22 1,039.03 1,238.07 1,439.00
80,000 1,077.65 1,129.45 1,187.49 1,415.04 1,644.62
110,000 1,482.04 1,553.17 1,632.89 1,945.97 2,261.48
150,000 2,021.23 2,118.12 2,226.75 2,653.85 3,083.97
PER $1,000 OVER 13.47 14.13 14.84 17.71 20.56
BMIC (01-19) 16 HOMEOWNER
HOMEOWNER CLASSIC TERRITORY 1
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Deductible: $500 all other perils / $1,000 wind hail
CREDITS:
A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry.
CREDITS FOR HIGHER DEDUCTIBLE: $1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit
$2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES:
26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the
cause of loss. $4,000 limitation. $500 deductible. 35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required.
25.00 REPLACEMENT COST CONTENTS 5.60 per $1,000 SEWER BACKUP 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of
artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.
20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be 25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be
written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 SPECIAL NOTES
80,000 957.77 1,115.24
Insurable value must be written at replacement.
Coverage is Modified Special Form with the Repair Cost Endorsement.
Only available in Class 6 or better.
90,000 997.72 1,158.08
100,000 1,037.66 1,200.92
110,000 1,115.77 1,288.60
120,000 1,193.88 1,376.28
130,000 1,271.98 1,463.96
140,000 1,350.09 1,551.63
PER $1,000 OVER 9.65 11.09
BMIC (01-19) 17 HOMEOWNER
HOMEOWNER CLASSIC TERRITORY 2
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Deductible: $500 all other perils / $1,000 wind hail
CREDITS:
A masonry credit of 3% may be applied. Dwelling must be 66% masonry veneer or solid masonry. CREDITS FOR HIGHER DEDUCTIBLE:
$1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit
$2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES: 26.00 FAMILY CYBER PROTECTION (mandatory—see page 8)
20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) 50.00 SUBMERSIBLE PUMP WARRANTY COVERAGE Pays for pump whatever the
cause of loss. $4,000 limitation. $500 deductible. 35.00 WOOD HEAT CHARGE Interior photograph of wood heat system required. 25.00 REPLACEMENT COST CONTENTS
5.60 per $1,000 SEWER BACKUP 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of
artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.
20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be
25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 SPECIAL NOTES
80,000 878.93 1,022.06
Insurable value must be written at replacement
Coverage is Modified Special Form with the Repair Cost Endorsement.
Only available in Class 6 or better.
90,000 914.68 1,060.45
100,000 950.43 1,098.84
110,000 1,021.30 1,178.41
120,000 1,092.17 1,257.98
130,000 1,163.04 1,337.56
140,000 1,233.91 1,417.13
PER $1,000 OVER 8.83 10.15
BMIC (01-19) 18 HOMEOWNER
HOMEOWNER PREFERRED FORM 5 TERRITORY 1
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Dwelling age: 0-10 years Deductible: $500 all other perils / $1,000 wind hail
Class 10 – Not Eligible for Form 5
CREDITS:
3% Masonry credit. Dwelling must be 66% masonry veneer or solid masonry. $1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit
$2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES:
26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8)
Included REPLACEMENT COST CONTENTS Included SEWER BACKUP ($5,000) 5.60 per $1,000 SEWER BACKUP
35.00 WOOD HEAT Fireplace or insert only. No other wood heating system allowed (outside units heating water for dwelling heat acceptable). Interior photo required.
50.00 SUBMERSIBLE PUMP WARRANTY: $4,000 limitation. $500 deductible. (Covers the pump whatever the cause of loss.)
25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.
20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be 25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be
written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9
120,000 1,006.37 1,137.36 1,182.74 1,571.39
140,000 1,128.34 1,275.19 1,326.06 1,761.77
160,000 1,260.17 1,424.15 1,480.99 1,967.55
180,000 1,412.63 1,596.45 1,660.14 2,205.54
200,000 1,565.09 1,768.75 1,839.28 2,443.53
225,000 1,739.97 1,966.36 2,044.78 2,716.51
250,000 1,914.85 2,163.98 2,250.28 2,989.50
275,000 2,089.73 2,361.60 --- ---
300,000 2,264.61 2,559.23 --- ---
325,000 2,439.49 2,756.84 --- ---
350,000 2,614.37 2,954.46 --- ---
BMIC (01-19) 19 HOMEOWNER
HOMEOWNER PREFERRED FORM 5 TERRITORY 2
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Dwelling age: 0-10 years Deductible: $500 all other perils / $1,000 wind hail
Class 10 – Not Eligible for Form 5
CREDITS:
3% Masonry credit. Dwelling must be 66% masonry veneer or solid masonry. $1,000 all other perils / $2,000 wind hail - 10% credit
$2,000 - 17% credit $2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES:
26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8)
Included REPLACEMENT COST CONTENTS Included SEWER BACKUP ($5,000) 5.60 per $1,000 SEWER BACKUP
35.00 WOOD HEAT Fireplace or insert only. No other wood heating system allowed (outside units heating water for dwelling heat acceptable). Interior photo
required. 50.00 SUBMERSIBLE PUMP WARRANTY: $4,000 limitation. $500 deductible.
(Covers the pump whatever the cause of loss.)
25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of artificially generated electrical currents, mechanical breakdown, and losses from
pressure equipment. 20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be 25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be
written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9
120,000 923.01 1,042.05 1,082.56 1,436.55
140,000 1,034.90 1,168.33 1,213.74 1,610.61
160,000 1,155.81 1,304.84 1,355.56 1,798.74
180,000 1,295.65 1,462.70 1,519.54 2,016.32
200,000 1,435.49 1,620.55 1,683.52 2,233.90
225,000 1,595.90 1,801.61 1,871.63 2,483.47
250,000 1,756.30 1,982.67 2,059.74 2,733.04
275,000 1,916.70 2,163.74 --- ---
300,000 2,077.10 2,344.82 --- ---
325,000 2,237.49 2,525.89 --- ---
350,000 2,397.89 2,706.96 --- ---
BMIC (01-19) 20 HOMEOWNER
HOMEOWNER PREFERRED FORM 5 TERRITORY 1
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Dwelling age: 11 years and over Deductible: $500 all other perils / $1,000 wind hail
Class 10 – Not Eligible for Form 5
CREDITS: 3% Masonry credit. Dwelling must be 66% masonry veneer or solid masonry. $1,000 all other perils / $2,000 wind hail - 10% credit
$2,000 - 17% credit $2,500 - 20% credit
$3,000 - 25% credit ADDITIONAL CHARGES:
26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8)
Included REPLACEMENT COST CONTENTS Included SEWER BACKUP ($5,000)
5.60 per $1,000 SEWER BACKUP 35.00 WOOD HEAT Fireplace or insert only. No other wood heating system allowed
(outside units heating water for dwelling heat acceptable). Interior photo
required. 50.00 SUBMERSIBLE PUMP WARRANTY: $4,000 limitation. $500 deductible.
(Covers the pump whatever the cause of loss.) 25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of
artificially generated electrical currents, mechanical breakdown, and losses from
pressure equipment. 20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be 25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be
written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9
120,000 1,178.09 1,366.43 1,551.63 2,066.60
140,000 1,320.85 1,532.00 1,739.64 2,316.95
160,000 1,475.17 1,710.95 1,942.85 2,587.57
180,000 1,653.61 1,917.91 2,177.84 2,900.52
200,000 1,832.05 2,124.87 2,412.84 3,213.48
225,000 2,036.75 2,362.26 2,682.40 3,572.45
250,000 2,241.44 2,599.66 2,951.96 3,931.43
275,000 2,446.15 2,837.05 --- ---
300,000 2,650.85 3,074.40 --- ---
325,000 2,855.54 3,311.86 --- ---
350,000 3,060.22 3,549.27 --- ---
BMIC (01-19) 21 HOMEOWNER
HOMEOWNER PREFERRED FORM 5 TERRITORY 2
100%-10%-50%-10% package $100,000 CPL/$1,000 med
Dwelling age: 11 years and over Deductible: $500 all other perils / $1,000 wind hail
Class 10 – Not Eligible for Form 5
CREDITS: 3% Masonry credit. Dwelling must be 66% masonry veneer or solid masonry.
$1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit
$2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES: 26.00 FAMILY CYBER PROTECTION (mandatory—see page 8)
20.00 SERVICE LINE ENHANCEMENT ENDORSEMENT (mandatory—see page 8) Included REPLACEMENT COST CONTENTS
Included SEWER BACKUP ($5,000) 5.60 per $1,000 SEWER BACKUP 35.00 WOOD HEAT Fireplace or insert only. No other wood heating system allowed
(outside units heating water for dwelling heat acceptable). Interior photo required.
50.00 SUBMERSIBLE PUMP WARRANTY: $4,000 limitation. $500 deductible. (Covers the pump whatever the cause of loss.)
25.00 EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT Adds perils of
artificially generated electrical currents, mechanical breakdown, and losses from pressure equipment.
20.00 ($100,000) INCIDENTAL FARMING ENDORSEMENT Farming exposure must be
25.00 ($300,000) incidental to the premises, any full time or extensive farming operation must be written in the Farmowner program.
DWELLING CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9
120,000 1,079.90 1,251.12 1,419.48 1,888.46
140,000 1,210.75 1,402.72 1,591.47 2,117.26
160,000 1,352.20 1,566.59 1,777.38 2,364.54
180,000 1,515.79 1,756.09 1,992.37 2,650.53
200,000 1,679.38 1,945.59 2,207.37 2,936.52
225,000 1,867.02 2,162.96 2,453.98 3,264.56
250,000 2,054.65 2,380.34 2,700.58 3,592.60
275,000 2,242.30 2,597.71 --- ---
300,000 2,429.94 2,815.09 --- ---
325,000 2,617.59 3,032.46 --- ---
350,000 2,805.23 3,249.84 --- ---
BMIC (01-19) 22 HOMEOWNER
HOMEOWNER FORM 6 CONDO TERRITORY 1
15% COV. A (Condo Unit) and 20% COV. D (Additional Living Costs) $100,000 CPL/$1000 med
Dwelling age: 1960 or newer Deductible: $500 all other perils / $1,000 wind hail
CREDITS FOR HIGHER DEDUCTIBLES:
$1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit
$2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES: 26.00 FAMILY CYBER PROTECTION (mandatory—see page 8)
35.00 WOOD HEAT CHARGE Interior photo required. 40.00 REPLACEMENT COST CONTENTS
10.00 per $1,000 ASSOCIATION DEDUCTIBLE COVERAGE ($1500 INCLUDED) 2.00 per $1,000 ASSOCIATION LOSS ASSESSMENT ($1500 INCLUDED) 5.60 per $1,000 SEWER BACKUP
CONTENTS CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
30,000 209.55 240.04 278.16 335.33 417.91
40,000 271.81 316.27 367.09 443.32 557.67
50,000 328.98 386.15 443.32 532.26 665.66
60,000 373.45 430.62 494.14 595.78 748.24
70,000 417.91 481.44 557.67 672.01 843.53
80,000 462.38 532.26 614.84 741.89 926.11
90,000 513.20 589.43 678.37 818.12 1,021.40
100,000 551.32 640.25 735.54 881.65 1,097.63
Per 1,000 5.08 6.35 7.11 7.62 8.13
Increased Cov A Per 1,000
4.57 5.28 6.04 7.24 9.09
(Related Private Structures are included in Coverage A. Increase Coverage A accordingly for Related Private Structures owned by the insured.)
Increased Cov D
Per 1,000 4.00 4.00 4.00 4.00 4.00
BMIC (01-19) 23 HOMEOWNER
HOMEOWNER FORM 6 CONDO TERRITORY 2
15% COV. A (Condo Unit) and 20% COV. D (Additional Living Costs) $100,000 CPL/$1000 med
Dwelling age: 1960 or newer Deductible: $500 all other perils / $1,000 wind hail
CREDITS FOR HIGHER DEDUCTIBLES:
$1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit
$2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES: 26.00 FAMILY CYBER PROTECTION (mandatory—see page 8)
35.00 WOOD HEAT CHARGE Interior photo required. 40.00 REPLACEMENT COST CONTENTS
10.00 per $1,000 ASSOCIATION DEDUCTIBLE COVERAGE ($1500 INCLUDED) 2.00 per $1,000 ASSOCIATION LOSS ASSESSMENT ($1500 INCLUDED) 5.60 per $1,000 SEWER BACKUP
CONTENTS CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
30,000 190.96 218.68 253.33 305.30 380.38
40,000 247.55 287.98 334.18 403.48 507.43
50,000 299.53 351.50 403.48 484.33 605.60
60,000 339.95 391.93 449.68 542.08 680.68
70,000 380.38 438.13 507.43 611.38 767.30
80,000 420.80 484.33 559.40 674.90 842.38
90,000 467.00 536.30 617.15 744.20 929.00
100,000 501.65 582.50 669.13 801.95 998.30
Per 1,000 4.62 5.78 6.46 6.93 7.39
Increased Cov A Per 1,000
4.16 4.79 5.49 6.58 8.26
(Related Private Structures are included in Coverage A. Increase Coverage A accordingly for Related
Private Structures owned by the insured.)
Increased Cov D
Per 1,000 4.00 4.00 4.00 4.00 4.00
BMIC (01-19) 24 HOMEOWNER
HOMEOWNER FORM 6 CONDO TERRITORY 1
15% COV. A (Condo Unit) and 20% COV. D (Additional Living Costs) $100,000 CPL/$1000 med
Dwelling age: Pre-1960 Deductible: $500 all other perils / $1,000 wind hail
CREDITS FOR HIGHER DEDUCTIBLES:
$1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit $2,500 - 20% credit
$3,000 - 25% credit
ADDITIONAL CHARGES: 26.00 FAMILY CYBER PROTECTION (mandatory—see page 8)
35.00 WOOD HEAT CHARGE Interior photo required. 40.00 REPLACEMENT COST CONTENTS 10.00 per $1,000 ASSOCIATION DEDUCTIBLE COVERAGE ($1500 INCLUDED)
2.00 per $1,000 ASSOCIATION LOSS ASSESSMENT ($1500 INCLUDED) 5.60 per $1,000 SEWER BACKUP
CONTENTS CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
30,000 250.46 287.05 332.79 401.40 500.50
40,000 325.17 378.53 439.51 530.99 668.20
50,000 393.77 462.38 530.99 637.71 797.79
60,000 447.13 515.74 591.97 713.94 896.89
70,000 500.50 576.73 668.20 805.42 1,011.24
80,000 553.86 637.71 736.81 889.27 1,110.34
90,000 614.84 706.32 813.04 980.74 1,224.68
100,000 660.58 767.30 881.65 1,056.97 1,316.16
Per 1,000 6.10 7.62 8.54 9.15 9.76
Increased Cov A Per 1,000
5.49 6.33 7.24 8.69 10.90
(Related Private Structures are included in Coverage A. Increase Coverage A accordingly for Related Private Structures owned by the insured.)
Increased Cov D Per 1,000
4.00 4.00 4.00 4.00 4.00
BMIC (01-19) 25 HOMEOWNER
HOMEOWNER FORM 6 CONDO TERRITORY 2
15% COV. A (Condo Unit) and 20% COV. D (Additional Living Costs) $100,000 CPL/$1000 med
Dwelling age: Pre-1960 Deductible: $500 all other perils / $1,000 wind hail
CREDITS FOR HIGHER DEDUCTIBLES: $1,000 all other perils / $2,000 wind hail - 10% credit $2,000 - 17% credit
$2,500 - 20% credit $3,000 - 25% credit
ADDITIONAL CHARGES:
26.00 FAMILY CYBER PROTECTION (mandatory—see page 8) 35.00 WOOD HEAT CHARGE Interior photo required. 40.00 REPLACEMENT COST CONTENTS
10.00 per $1,000 ASSOCIATION DEDUCTIBLE COVERAGE ($1500 INCLUDED) 2.00 per $1,000 ASSOCIATION LOSS ASSESSMENT ($1500 INCLUDED)
5.60 per $1,000 SEWER BACKUP
CONTENTS CLASS 1-4 CLASS 5-6 CLASS 7-8 CLASS 9 CLASS 10
30,000 228.15 261.41 302.99 365.36 455.45
40,000 296.06 344.57 400.01 483.17 607.91
50,000 358.43 420.80 483.17 580.19 725.72
60,000 406.94 469.31 538.61 649.49 815.81
70,000 455.45 524.75 607.91 732.65 919.76
80,000 503.96 580.19 670.28 808.88 1,009.85
90,000 559.40 642.56 739.58 892.04 1,113.80
100,000 600.98 698.00 801.95 961.34 1,196.96
Per 1,000 5.54 6.93 7.76 8.32 8.87
Increased Cov A
Per 1,000 4.99 5.75 6.58 7.90 9.91
(Related Private Structures are included in Coverage A. Increase Coverage A accordingly for Related
Private Structures owned by the insured.)
Increased Cov D
Per 1,000 4.00 4.00 4.00 4.00 4.00
BMIC (01-16) 26 HOMEOWNER
COMPREHENSIVE PERSONAL LIABILITY COVERAGES Less than 50 acres – no farming
Limits: 000 omitted; includes $1,000 med
COVERAGE
DESCRIPTION $100 $300 $500 $1,000
INCREASED MED
PAYMENTS
$2,000 $5,000
DESCRIBED RESIDENCE PREMISES
1 FAMILY
2 FAMILY
3 FAMILY
4 FAMILY
Incl.
11
22
36
13
26
40
56
19
31
45
61
66
69
83
99
6
6
6
6
24
24
24
24
INCIDENTAL FARMING ENDORSEMENT
Farming exposure must be incidental
to the premises, any full time or extensive farming operation must be written in the Farmowner program.
20 25 30 40 - -
ADD'L INSURED, RESIDENT 5 7 7 9 2 8
ADD'L INSURED, NON-RESIDENT 5 7 7 9 2 8
RENTED TO OTHERS:
1 FAMILY
2 FAMILY
Write in Rental or Seasonal Program
with property coverage.
BUSINESS ACTIVITIES:
TEACHERS – ATHLETIC, LAB, MANUAL TRAINING, PHYSICAL ED.
15 20 24 28 2 8
TEACHERS – NOT OTHERWISE CLASSIFIED
6 10 15 20 2 8
CORPORAL PUNISHMENT ** 8 12 15 20 NOT APPLICABLE
** DOES NOT INCLUDE MEDICAL PAYMENTS
BMIC (09-15) 27 HOMEOWNER
OPTIONAL SECTION II - LIABILITY COVERAGES Limits: 000 omitted; includes $1,000 med
COVERAGE DESCRIPTION $100 $300 $500 $1,000
INCREASED MEDICAL
$2,000 $5,000
CHILD CARE: NO DOGS ALLOWED.
THE HOMEOWNER POLICY CANNOT BE WRITTEN IF THERE IS CHILD CARE
AND A DOG ON PREMISES. LIMITATION: 5 CHILDREN INCLUDING THE INSURED’S CHILDREN.
55 83 111 139 8 32
THIS CHARGE APPLIES FOR EACH SUCH EXPOSURE:
RECREATIONAL MOTOR VEHICLE
(INCLUDES GOLF CARTS), SNOWMOBILE - NOT DESIGNED FOR PUBLIC ROAD USE. CHARGE PER VEHICLE.
75 101 113 147 8 32
OUTBOARD MOTORS & WATERCRAFT: EACH OUTBOARD MOTOR
25-50 HP 10 12 13 20 4 16
OVER 50 HP 17 21 22 33 6 24
INBOARD OR INBOARD/OUTBOARD MOTORBOATS & SAILBOATS
UNDER 16 MPH
LESS THAN 26 FEET 20 26 28 39 4 16
26 TO 40 FEET 51 67 73 89 8 32
OVER 40 FEET 99 129 143 178 16 64
16-30 MPH
LESS THAN 26 FEET 40 52 58 72 6 24
26 TO 40 FEET 80 103 117 144 12 48
OVER 40 FEET 149 193 214 266 24 96
OVER 30 MPH
LESS THAN 26 FEET 99 129 143 178 16 64
26 TO 40 FEET 149 193 214 266 24 96
OUTBOARD MOTORS UNDER 25 HP - INCREASE IN BASE RATE
PERS. INJURY PROTECTION 9 12 14 20 -- --
top related