farmowners program west virginia files/fmic_agency_manuals/farmowners program.pdffo- 75 1.0...

FARMERS MUTUAL INSURANCE COMPANY

FARMOWNERS

PROGRAM

WEST VIRGINIA

FARMERS MUTUAL INSURANCE COMPANY FARMOWNERS PROGRAM

LISTING OF FORMS AND ENDORSEMENTS

WEST VIRGINIA

FORMS FO- 1 1.0 Dwelling Coverage – Basic Form FO- 2 1.0 Dwelling Coverage – Broad Form FO- 3 1.0 Dwelling Coverage – Special Form FO- 4 1.0 Dwelling Coverage – Renters Form FO- 6 1.0 Farm Coverage FO- 20 1.0 Additional Policy Conditions and Property Coverage Terms GL- 2 2.0 Personal Liability Coverage (Farm) GL- 610 2.0 Commercial Liability Coverage (Farm Premises and Operations) MANDATORY ENDORSEMENTS CL 0317 05 05 Flood Coverage Notice – West Virginia CL 0334 10 07 Coal Mine Subsidence Coverage Part – Non Dwelling CL 0035 10 07 Coal Mine Subsidence Coverage Part - Dwelling FO- 368 1.0 Calendar Date or Time Failure Exclusion FO- 504 1.1 Exclusion of Motor Vehicles FO 0670 05 03 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage (GL-2) FO 0671 05 03 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage (GL-610) FO 0675 10 06 Virus or Bacteria Exclusion FO 5500 01 14 Amended Vandalism and Glass Breakage Exclusions GL- 10 2.0 Punitive Damage Exclusion GL 0525 09 04 Limited Coverage for Injury or Damage Arising From a Dog (GL-2) GL 0526 02 04 All-Terrain Vehicle Exclusion (GL-2) GL 0529 09 04 Limited Coverage for Injury or Damage Arising From a Dog (GL-610) GL 0530 02 04 All-Terrain Vehicle Exclusion (GL-610) GL- 781 6-86 Care Provided for Others – A Business Activity GL- 890 2.0 Lead Liability Exclusion ML- 126 4-82 West Virginia Loss Payment Endorsement OTHER ENDORSEMENTS FO- CHG 11-99 Change Endorsement FO- 15 1.0 Actual Cash Value FO- 25 1.0 Consent to Move Mobile Home FO- 26 1.0 Collision or Upset FO- 27 1.0 Secured Party’s Interest – Additional Coverage FO- 30 1.0 Incidental Property Coverages – Higher Limits FO- 41 1.0 Additional Insureds FO- 48 1.0 Related Private Structures FO- 54 1.0 Earthquake FO- 55 1.0 Replacement Value FO- 60 1.0 Debris Removal FO- 61 1.0 Scheduled Personal Property FO- 61A 1.0 Scheduled Personal Property FO- 65 1.0 Coverage C – Higher Limit of Liability on Certain Property FO- 68 1.0 Scheduled Glass FO- 69 1.0 Business Property – Business Occupancy on the Insured Premises REV 1-14 - 1 - AAIS



WEST VIRGINIA FO- 70 1.0 Ordinance or Law FO- 75 1.0 Amendment of Vacancy or Unoccupancy FO- 125 1.0 Dwelling Under Construction – Theft FO- 170 1.0 Computers FO- 178 1.0 Insurance By More Than One Company FO- 208 1.0 Water Damage – Sewers, Drains, and Sumps FO- 216 1.0 Premises Alarm or Fire Protection System FO- 257 1.0 Ordinance or Law – Farm Barns, Buildings, and Structures FO- 300 1.0 Schedule of Farm Personal Property Coverage F FO- 303 1.0 Schedule of Barns, Buildings, Structures, and Additional Farm Dwellings – Coverage E FO- 304 1.0 Restriction of Individual Policies FO- 307 1.0 Sprinkler Leakage FO- 323 1.0 Weight of Ice, Snow, or Sleet FO- 330 1.0 Incidental Property Coverages – Higher Limits FO- 340 1.0 Limited Perils – Coverages E, F, and G FO- 342 1.0 Deductible Amounts FO- 345 1.0 Theft of Building Materials – Farm barns, Buildings, and Structures FO- 346 1.0 4-H and F.F.A. Animals FO- 349 1.0 Suffocation of Livestock FO- 350 1.0 Debris Removal – Coverages E and F FO- 352 1.0 Peak Season Inventory – Farm Personal Property FO- 354 1.0 Earthquake – Coverages E, F, and G FO- 356 1.0 Added Animal Perils FO- 360 1.0 Farm Machinery FO- 361 1.0 Property in Transit – Coverages F and G FO- 362 1.0 Special Form Coverage – Farm Barns, Buildings, and Structures FO- 364 1.0 Replacement Cost Provision For Well Pumps GL- 9 1.0 Personal Liability Coverage GL- 70 2.0 Additional Insured – Persons or Organizations GL- 71 2.0 Additional Insured – Partners or Co-owners GL- 72 2.0 Additional Insureds GL- 73 2.0 Additional Residences or Farms – Rented to Others GL- 74 2.0 Business Activities GL- 75 2.0 Custom Farm Work GL- 76 2.0 Employer’s Liability GL- 80 2.0 Office, Professional, Private School, or Studio Occupancy GL- 81 2.0 Personal Injury

REV 4-07 - 2 - AAIS



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OTHER ENDORSEMENTS GL- 82 2.0 Watercraft GL- 83 2.0 Snowmobile GL- 84 2.0 Care Provided For Others GL- 91 1.0 Supplemental Declarations GL- 108 1.0 Additional Insureds GL- 615 1.0 Exclusion of Products/Completed Work Coverage GL- 872 3.0 Farm Employers Liability Coverage (GL-610 Only) GL- 904 2.0 Personal and Advertising Injury Liability Coverage (GL-610 Only) GL- 916 1.0 Limited Liability Company (Farm Premises and Operations) ML- 405 1.0 Windstorm or Hail Deductible REV 4-07 - 3 - AAIS


UNDERWRITING RULES

1. Binding Authority A. Building, contents, additional living cost, outbuildings & barns within

100 feet.

B. Maximum coverage A amount not to exceed $300,000

C. Maximum liability amount per occurrence $500,000

D. Premium payments on canceled policies cannot be accepted without prior approval from an underwriter. A signed statement of no loss is required to reinstate a policy.

2. Structure A. Foundation Form 1 Pier with skirting/underpinning Form 2 & 3 Continuous solid masonry

B. Heating Form 1 Space heaters Form 2 Floor furnace & circulating heat acceptable up to $60,000 Form 3 Central heat (thermostatically controlled & vented in each

room) 25 years old or less

C. Roof Form 1 & 2 Shingle, Metal or Slate Form 3 Shingle or Metal 25 years old or less

Rev. 5/14 FO-Und-1

D. Occupancy Form 1 & 2 One & two family acceptable Form 3 One family only

E. Plumbing Form 1 Galvanized Form 2 & 3 Copper or Plastic

F. Dwelling Dwellings under construction or complete renovation: Must be written under the dwelling fire program Owner occupied hybrid homes (mobile homes w/room additions): Must be written under the mobile home program. If they are tenant or seasonally occupied they must be written under the dwelling fire program. Townhomes: Acceptable if fire division separates each unit. The fire division can be a masonry wall of an approved dead air space.

G. Electric Form 1 Fuse Form 2 Breaker Form 3 Breaker, 25 years old or less

Rev. 5/14 FO-Und-2

3. Risk Criteria A. Mailed applications: completed with signatures, payment & photos of

all insured structures. On line applications: all screens completed with payment information & photos. Signatures are to be retained in agent’s office.

B. When individuals are co-habitating, all individuals should be listed on

the policy as named insured’s.

C. A handrail is required on all sets of steps &/or porches that are 4 or more risers high. In ground pools must be fenced & locked. Above ground pools must be enclosed with railing, gated & locked or fenced.

D. Mortgagee’s: No more than 2 per policy

E. There must be a primary/owner occupied dwelling & there must be at

least 5 acres & all insured buildings must be utilized in the farming operation & in good repair.

F. Dwellings in “estate” must be written under the dwelling fire program

4. Wood Stove Guidelines A. Wood stoves vented into a metal UL approved triple or double wall

insulated chimney acceptable.

B. Wood stoves vented into a fireplace must have the vent pipe extended to the top of the chimney.

C. Wood stoves vented into a chimney located on or within an external

wall must be built from the ground up & have a tile or metal liner.

D. A completed wood stove questionnaire & photo of the wood stove must accompany the application.

Rev. 5/14 FO-Und-3

5. Unacceptable risks/exposures A. Dwellings using a wood stove or kerosene space heaters as sole source

of heat. B. Vacant or unoccupied dwellings

C. Mobile homes or hybrid dwellings

D. Vicious dogs, including any dog that has bitten previously or any risk

with a: Rottweiler, Pit Bull, Chow, Doberman Pinscher, German Shepherd, Akita or any mix of these.

E. Trampolines, broken steps, missing handrails or unfenced pools.

F. Applicants who have been canceled, non-renewed or declined by

another company in the past 5 years.

G. Applicants who have had a total loss or theft claim, check with underwriting

H. Structures originally constructed for occupancies other than residential

purposes

I. We do not write student housing, farms which have landfills or gravel pits or Property that is seasonal or week-end type.

J.

K. Farms which operate businesses other than those incidental businesses (i.e. produce stands on a produce farm) written by us

Rev. 5/14 FO-Und-4

REV 6.0 Index - i AAIS

FARMERS MUTUAL INSURANCE COMPANY FARMOWNERS MANUAL

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INDEX

Rules Page Additional Living Costs -- Increased Limit.....................................33 Additional Interests...........................................................................13 Aggregate Limits..............................................................................11 Basic Limits...................................................................................... 8 Calculation of Premium ...................................................................19 Cancellation......................................................................................16 Changes in Limits ............................................................................21 Commercial Liability........................................................................ 7 Contributing Insurance.....................................................................16 Coverage B Deletion.................................................................................25 Coverage C Deletion.................................................................................25 Increased Limit.....................................................................30 Reduced Limit ......................................................................30 Replacement Value..............................................................31 Coverages Dwelling................................................................................. 3 Farm ...................................................................................... 5 Liability .................................................................................. 7 Debris Removal -- Expanded Dwelling.................................................................................33 Farm ......................................................................................42 Deductibles.......................................................................................22 Definitions Construction..........................................................................54 Territorial...............................................................................TD-1 Typing ....................................................................................54 Eligibility............................................................................................ 1

REV 6.0 Index - ii AAIS


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INDEX

Rules Page Farm Personal Liability Coverage - Deleted ................................27 Fire Protection..................................................................................24 Inception Time ..................................................................................12 Incidental Coverages - Increased Limit Dwelling.................................................................................34 Farm ......................................................................................42 Individual Risk Premium Modifications..........................................53 Liability Coverage Options..............................................................43 Limited Perils....................................................................................27 Livestock Additional Perils ...................................................................40 Suffocation............................................................................40 Mobile Home Options......................................................................34 Modular Policy Format.....................................................................12 Optional Coverages Dwelling.................................................................................29 Farm ......................................................................................36 Liability ..................................................................................43 Perils Insured Against Dwelling................................................................................. 4 Farm ...................................................................................... 6 Policy Term.......................................................................................13 Policywriting Instructions..................................................................12 Preferred Mobile Homeowner ........................................................ 2 Premium Determination..................................................................18 Premium Modifications....................................................................24 Principal Coverages Coverages A, B, C, and D .................................................. 3 Coverages E, F, and G........................................................ 5 Coverages L, M, and O....................................................... 7

REV 6.0 Index - iii AAIS


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INDEX

Rules Page Program Description....................................................................... 3 Property Coverage Options Dwelling.................................................................................29 Farm ......................................................................................36 Protective Devices...........................................................................24 Renewal Plan....................................................................................13 Restriction of Coverage...................................................................15 Specially Rated Risks......................................................................17 Territorial Definitions........................................................................TD-1 Tie-Down Credit...............................................................................27 Transfer of Policy..............................................................................15 Vacancy Permit................................................................................28 West Virginia Coal Mine Subsidence…………….Rates Page 25

REV 6.0 Rules - 1 AAIS


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RULE 1 -- ELIGIBILITY 1.1 Eligibility Requirements A policy that includes coverage for the principal farm residence with

over 5 acres of ground and farm personal liability exposures may be issued to the owner of the farm when the following requirements are met:

Number of Families -- The principal farm residence must contain

facilities for housing no more than two families and no more than two roomers or boarders per family. If the principal farm residence is a mobile home, it must contain facilities for housing no more than one family and no more than two roomers or boarders per family.

Residential Use -- Except for those incidental business occupancies

that are permitted by this manual, the principal farm residence must be used exclusively for residential purposes. When a permitted incidental business occupancy exists, it must be declared and the appropriate premium charge must been made.

Occupancy -- The principal farm residence must be either: -- occupied by the farmowner; -- occupied by a farm tenant if the farm is operated under the

farmowner's direct management or under the terms of a management contract; or

-- occupied by a co-owner of the farm if that co-owner has an

equal or controlling financial interest in the farming venture and is primarily responsible for the farm operations. Refer to the company if a partnership or corporation is shown as the named insured on the declarations.

When all other eligibility requirements have been met, a tenant

farmowners policy may be issued to a tenant who occupies the principal farm residence and is engaged in the farming operation.


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1.1.1 Preferred Mobile Homeowner Program (Doublewide Mobile Homes)

Refer to Rule 1.1 Use Form FO-3 only and attach FO-15. 1.2 Submit to Company At the option of the company, a farmowners policy can be issued to

include commercial liability coverage in lieu of farm personal liability coverage, or liability coverage may be omitted altogether. Coverage for the principal farm residence may also be omitted at the option of the company.

The eligibility of the following risks must be determined by the

company: -- farms where business pursuits other than farming are

conducted; -- farms where horses are raised, boarded, or maintained; -- vacant or unoccupied farms; -- farms that are operated to supply agricultural commodities for

manufacturing or processing by the insured for sale to others; -- farms involving the retail sale of farm products or farms that

permit the picking of fruits and vegetables by the public; and -- incorporated farms. 1.3 Photographs and Agent Certification Photographs are required for each covered building. A diagram or

plat is also required, showing and properly identifying all buildings on the farm, whether covered or not, and indicating the location and size of each building and the distance in feet between all buildings. The photographs must be dated to show when they were taken.


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RULE 2 -- PROGRAM DESCRIPTION The following is a general description of the coverages provided by the farmowners policy forms. The policy forms state the complete conditions. This program has a $250 minimum premium. 2.1 Dwelling Coverages -- Property 2.1.1 Policy Forms The following forms are used to provide the dwelling

coverages for the principal farm residence: FO-1 Dwelling Coverage -- Basic Form FO-2 Dwelling Coverage -- Broad Form FO-3 Dwelling Coverage -- Special Form FO-4 Dwelling Coverage -- Renters Form 2.1.2 Principal Coverages Forms FO-1, FO-2, and FO-3 provide the principal

coverages described below. Form FO-4 includes only Coverage C and Coverage D.

Coverage A -- Residence -- Coverage A covers the

residence on the insured premises, including additions and built-in components.

Coverage B -- Related Private Structures -- Coverage B

covers unattached structures related to the residence, other than structures designed or used for farming or other business purposes. Coverage also applies to fences, driveways, sidewalks, and other permanently installed outdoor fixtures that are within 250 feet of the residence covered under Coverage A.

Coverage C -- Personal Property -- Coverage C covers

personal property, other than farm personal property, owned by or in the care of the insured.


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Coverage D -- Additional Living Costs and Loss of Rent -- Coverage D covers increased living costs and loss of rent or fair rental value that occur when an insured loss makes the insured premises unfit for use.

2.1.3 Perils Insured Against Forms FO-1 and FO-2 insure property covered under

Coverages A, B, and C and the related costs covered under Coverage D against risks of direct physical loss by the perils indicated below.

Perils Covered Form FO-1 Form FO-2 Fire or Lightning x x Windstorm or Hail x x Explosion x x Riot or Civil Commotion x x Aircraft x x Vehicles x x Smoke x x Sinkhole Collapse x x Volcanic Action x x Vandalism x x Theft x x Falling Objects x Weight of Ice, Snow, or Sleet x Sudden and Accidental Tearing Apart, Burning, or Bulging x Accidental Discharge of Liquids or Steam x Freezing x Sudden and Accidental Damage from Electrical Currents x Form FO-3 insures property covered under Coverages A and

B and the related costs covered under Coverage D against all risks of direct physical loss, with certain exceptions. Property covered under Coverage C is insured against risks of direct physical loss by the perils shown for Form FO-2.


Form FO-4 insures property covered under Coverage C, the insured’s interest in building improvements & betterments and the related costs covered under Coverage D against risks of direct physical loss by the perils shown for Form FO-2.

2.1.4 Loss Settlement Provisions

Actual cast value (ACV) loss settlement terms apply to buildings covered under forms FO-1 & FO-2 and the Preferred Mobile Homeowners Program When ACV loss settlement terms apply, the FO-15 endorsement will be attached.

2.2 Farm Coverage – Property 2.2.1 Policy form & Principal Coverage’s Form FO-6 provides the principal coverage’s described below. Coverage E – Farm Barns, Buildings & Structures –

Coverage E covers additional farm dwellings, barns, portable buildings & structures, other farm buildings & structures & tenants improvements in farm buildings for which a limit is shown on the declarations page or a schedule. The limit show on the declarations or schedule for each covered item includes attached sheds & fixtures. However, silos are covered only when specifically listed on the declarations or schedule. Coverage F – Scheduled Farm Personal Property – Coverage F covers classes or items of farm personal property for which a limit is shown on the declarations page or a schedule.

Rev 5/14 Rules - 5


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Coverage G -- Unscheduled Farm Personal Property --Coverage G covers farm personal property on a blanket basis. The Coverage G limit must be shown on the declarations page

2.2.2 Loss Settlement Provisions Coverage E -- Scheduled buildings and structures are

covered on an actual cash value basis. Coverage F -- The coverage provided under Coverage F

applies on an actual cash value basis. At the option of the company, the following classes of scheduled property are also subject to a coinsurance clause or a pro rata distribution clause:

Machinery Not Hay in the Open Described Farm Products and Grain Supplies Hay in Barns Poultry Make an entry on the declarations page to activate the

coinsurance or pro rata distribution clause. Also show the Coverage F coinsurance percentage on the declarations when the Coverage F coinsurance clause applies.

Coverage G -- The coverage provided under Coverage G applies on an actual cash value basis.

2.2.3 Perils Insured Against Form FO-6 insures covered property against risks of direct

physical loss caused by the following perils: Fire or Lightning Sinkhole Collapse Windstorm or Hail Volcanic Action Explosion Earthquake (Livestock Riot or Civil Only) Commotion Flood (Livestock Only) Aircraft Collision Vehicles Electrocution (Livestock Smoke Only) Vandalism Loading or Unloading Theft Accidents (Livestock Only)


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2.3 Liability Coverage 2.3.1 Personal Liability Coverage (Farm) Form GL-2 covers liability exposures that arise out of the

insured premises and the personal activities of the insured. It includes the principal coverages described below:

Coverage L -- Liability -- Coverage L pays on behalf of the

insured for damages due to bodily injury or property damage caused by an occurrence that involves the insured premises and related operations or the insured's personal activities.

Coverage M -- Medical Payments to Others -- Coverage M pays medical expenses incurred by persons

who are not insureds if bodily injury occurs in connection with the insured premises or the insured's activities.

2.3.2 Commercial Liability Coverage (Farm Premises and

Operations) Form GL-610 covers the commercial liability exposures that

arise out of farming activities on the insured premises and related operations. It includes the principal coverages described below. Coverage for the personal liability exposures of individuals can be provided by a separate policy; or at the option of the company, Form GL-610 can be extended by endorsement to cover the personal liability of specific individuals.

Coverage L -- Bodily Injury Liability, Property Damage

Liability -- Coverage L pays on behalf of the insured for damages due to bodily injury or property damage caused by an occurrence that involves the insured premises or related operations.

Coverage M -- Medical Payments -- Coverage M pays

medical expenses incurred by persons who are not insureds if bodily injury occurs in connection with the insured premises or related operations.


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Coverage O -- Fire Legal Liability -- Coverage O pays for property damage liability to buildings, including attached fixtures, which are rented or loaned to an insured if the damage is caused by fire and the insured is legally liable for the fire damage.

2.3.3 Other Liability Coverage Parts "THIS RULE DOES NOT APPLY" 2.4 Basic Limits 2.4.1 Dwelling Coverage -- Property The following basic limits apply to the property coverages

provided by the farmowners policy: Principal Forms Coverages FO-1, 2, and 3 Form FO-4 Coverage A FO-1 $ 25,000 FO-2 $ 35,000 FO-3 $ 50,000 Coverage B 10% of limit on residence Coverage C 50% of limit on residence $6,000 Coverage D 20% of limit 20% of limit on on residence personal property Show the limits for Coverages A, B, C, and D on the

declarations.


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2.4.2 Farm Personal Liability Coverage The following basic limits apply to the farm personal liability

coverage provided by the farmowners policy: Principal Coverages Form GL-2 Coverage L $50,000 Each Occurrence Coverage M $1,000 Per Person*** *** Payments under Coverage M are also subject to a Per

Accident Limit of $25,000. Show the Per Accident Limit on the declarations.

Higher Each Occurrence and Per Person limits are available.

Use the rating information shown in this manual. Show the limits for Coverages L and M on the declarations.


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2.4.3 Commercial Liability Coverage A combined single limit applies to the sum of all losses

payable for each occurrence under the commercial liability coverage provided by the farmowners policy:

Principal Coverages Form GL-610 Coverage L Coverage M* $50,000 Each Occurrence Coverage O** * Subject to the Each Occurrence Limit, the Per Person

Limit for Coverage M is $1,000 with a $25,000 per Accident Limit.

** Subject to the Each Occurrence Limit, the Fire Legal

Liability Limit for Coverage O is $50,000. Higher Each Occurrence and Per Person limits are available.

Use the rating information shown in this manual. The Coverage O limit can be increased at the option of the company. Use the rating information provided by the company.

Show the limits for Coverages L, M, and O on the

declarations.


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2.5 Aggregate Limits -- Commercial Liability Coverage The commercial liability coverage provided by Form GL-610 is

subject to the General Aggregate Limit and the Products/Completed Work Hazard Aggregate Limit described below.

2.5.1 General Aggregate The General Aggregate Limit is the most that will be paid

during a 12-month policy period for all damages under Coverage L, except damages due to bodily injury or property damage included in the products/completed work hazard; all medical expenses under Coverage M; and all damages under Coverage O.

The General Aggregate Limit is Equal to Twice the Each

Occurrence Limit. Show the General Aggregate Limit on the declarations. 2.5.2 Products/Completed Work Hazard Aggregate The Products/Completed Work Hazard Aggregate Limit is

the most that will be paid during a 12-month policy period for damages due to bodily injury or property damage included in the products/completed work hazard.

The Products/Completed Work Hazard Aggregate Limit is

Equal to Twice the Each Occurrence Limit. Show the Products/Completed Work Hazard Aggregate Limit

on the declarations.


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RULE 3 -- POLICYWRITING INSTRUCTIONS 3.1 Modular Policy Format A farmowners package policy (property and liability coverage)

consists of the following modular sections: Coverage Part Form Number Dwelling Coverage FO-1, FO-2, FO-3, or FO-4 Farm Coverage FO-6 Additional Conditions and Property Coverage Terms FO-20 Personal Liability Coverage GL-2 or or Commercial Liability Coverage GL-610 Optional Endorsements State Amendatory Endorsements Refer to Forms and Declarations and Schedules Endorsements Listing 3.2 Endorsements Information called for as entries on endorsements can be shown on

the declarations page or a supplemental schedule instead. 3.3 Inception Time The policy may be issued to take effect at 12:01 A.M. instead of 12

noon on the inception date at no additional premium. Show the inception time on the declarations page.


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3.4 Policy Term 3.4.1 Annual Rating information for annual policies is shown in this manual. 3.4.2 Three-Year Prepaid "THIS RULE DOES NOT APPLY" 3.4.3 Three-Year Deferred "THIS RULE DOES NOT APPLY" 3.4.4 Less Than One Year A policy may be written for a term of less than one year in

order to maintain common anniversary dates with other policies. Prorate the annual premium.

3.4.5 Renewal Plan "THIS RULE DOES NOT APPLY" 3.5 Additional Interests The farmowners policy can be endorsed to cover the interests of co-

owners, farm partners, farm corporations, executors, administrators, trustees, or beneficiaries in the farm premises and operations or the interests of other residents of the insured premises.

FARMERS MUTUAL INSURANCE COMPANY WV FARMOWNERS MANUAL

3.5.1 PROPERTY INTERESTS

(Interests in Coverage’s & Premises Liability –forms FO-1, 2 & 3) The property coverage provided by the farmowners policy can be endorsed to cover the insurable interests of others in the covered property. ENDORSEMENT FO-41 Make entries to show the location of the premises, the names & addresses of the additional insured’s & the extent of their interest.

3.5.2 FARM PERSONAL LIABILITY INTERESTS

When the farmowners policy includes farm personal liability coverage, liability coverage for additional interests can be provided as follows: Not occupying a residence on the farm premises- The policy can be endorsed at no additional premium charge to cover the premises related liability exposures of additional insured’s who do not occupy a residence on the farm. ENDORSEMENT GL-70 Make entries to show the location of the premises, the names & addresses of the additional insured’s & the extent of their interests Occupying a separate residence on the farm premises- The policy can be endorsed to cover both the personal liability exposures of co-owners or partners who reside in a separate residence on the farm, as well as their interest in the farm premises & operations. Use the rating information in this manual to determine the personal liability charge for each additional partner or co-owner. ENDORSEMENT GL-71 Make entries to show the location of the premises, the names & addresses of the additional insured’s & the extent of their interests

Rev 1/12 Rules-14 AAIS


Other residents of the named insured’s household- The policy can be endorsed to provide personal liability coverage for other residents of the named insured’s household who are not related to the named insured & who would not otherwise be covered as an insured under the policy. Use the rating information shown in this manual. ENDORSEMENT GL-72 Make entries to show the names of the additional insureds

3.5.3 Commercial Liability Interests

When the farmowners policy includes commercial liability coverage, the policy can be endorsed to cover the premises-related liability exposures of co-owners, controlling interests, mortgagees, assignees & receivers ENDORSEMENT GL-108 Make entries to show the policy number, names of the additional insureds & the location of the premises

3.6 Transfer or Assignment The policy cannot be endorsed to effect: --transfer to another location with the same state; or --assignment from one insured to another in the event of transfer of title of the property 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 in premium. The request, signed by the applicant, must be referred to the company ENDORSEMENT FO-304 Describe the restrictions that apply

Rev 1/12 Rules-15 AAIS


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3.8 Cancellation or Reductions in Limits or Coverages If the policy is canceled or the limits are reduced, the amount of any

return premium due is calculated on a pro rata basis. 3.9 Extension of Coverage A -- No Private Structures -- Forms FO-

1, FO-2, and FO-3 "THIS RULE DOES NOT APPLY" 3.10 Contributing Insurance Coverage under the property section of the policy can be divided

between two or more companies. -- All policies must contain the same deductible. -- All additional limits and coverages that apply to the property

coverages must be divided between the companies. Coverage for scheduled personal property may be shared at the option of the companies.

-- All liability coverage must be assumed entirely by one of the

companies. Subtract the farm personal liability credit from the total premium and divide the remaining premium between the companies.

-- All policies must include the policy number and company

names and must identify the company providing the liability coverage.

Attach Endorsement FO-178 and make the necessary entries.


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3.11 Specially Rated Risks "THIS RULE DOES NOT APPLY"


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RULE 4 -- PREMIUM DETERMINATION The basic policy rating information shown in this manual contemplates coverage for the principal farm residence and farm personal liability exposures. Unless farm personal liability coverage is deleted, coverage for the following exposures is required if they exist. Use the rating information shown in this manual. -- All additional or secondary residence premises where the named

insured or spouse maintains a residence or farm. -- All domestic employees of the named insured or spouse not covered

or not required to be covered by Workers' Compensation Insurance. A charge is required for each domestic employee in excess of two.

-- Incidental office, professional, private school, or studio occupancies

by the named insured on residential premises of the named insured. -- Total farm acreage in excess of 160 acres. -- Each separate set of farm buildings. The initial farm exposure includes: -- The initial farm premises; -- All additional farm premises without buildings maintained by the

named insured or spouse which are operated in conjunction with the initial farm premises.

Rate other dwellings located on the initial farm premises as additional residence premises.


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Each additional farm includes any additional farm location with outbuildings, whether owned and operated by the insured or rented to others, and all vacant farm land used in conjunction with it. Rate other dwellings located on the additional farm as additional residence premises. 4.1 Calculation of Premium 4.1.1 Dwelling and Farm Personal Liability Coverages Step 1 -- Determine the basic policy premium based on the

amount of Coverage A or Coverage C, as applicable. Use the rating information for mobile homes if the principal farm residence is a mobile home.

Step 2 -- Adjust the premium determined in Step 1 to reflect

the elimination of or revised limits for Coverages B or C. Step 3 -- If Form GL-2 is not used to provide farm personal

liability coverage or if the limit that applies to farm personal liability coverage is reduced, subtract the appropriate credit from the result of Step 2.

Step 4 -- Multiply the result of Step 3 by the deductible factor. Step 5 -- Multiply the result of Step 4 by any premium

modification factors that apply. Step 6 -- Multiply the result of Step 5 by the factors for any

other mandatory or optional coverages that apply. Step 7 -- Add the result of Step 6 to the premiums or charges

for any other mandatory or optional coverages that apply.


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4.1.2 Farm Coverages If the deductible option, premium modifications, or coverage

options vary by item or class of property, calculate the premium for each item or class separately.

Step 1 -- Multiply the blanket limit and/or the amount of

insurance for each scheduled item by the appropriate rate. Step 2 -- Multiply the result of Step 1 by the deductible factor. Step 3 -- Multiply the result of Step 2 by any premium

modification factors that apply. Step 4 -- Multiply the result of Step 3 by the factors for any

other mandatory or optional coverages that apply. Step 5 -- Add the result of Step 4 to the premiums or charges

for any other mandatory or optional coverages that apply. 4.1.3 Commercial Liability Coverage -- Form GL-610 Use rating information provided by the company if

commercial liability coverage is provided by a form other than GL-610.

Step 1 -- Determine the commercial liability premium based

on the Coverage L limit and the initial farm acreage. Step 2 -- If the limit that applies to farm commercial liability

coverage is reduced, subtract the appropriate credit from the result of Step 1.

Step 3 ---- Add premiums or charges for any other mandatory

or optional coverages that apply.


WEST VIRGINIA


4.1.4 Supplemental Insurance Contracts Determine the premium for other applicable coverages

written by endorsement to this policy which are not otherwise provided for in this manual. Classify and rate such coverages in accordance with the company manual for other lines of insurance.

4.1.5 Total Farmowners Policy Premium The total farmowners policy premium is determined by

adding the amounts calculated in Rules 4.1.1, 4.1.2, 4.1.3, and 4.1.4.

4.2 Changes in Limits or Addition of Coverages Policy limits may be increased or coverages added during the policy

term. Compute the additional premium on a pro rata basis using the same forms, endorsements, and rating information in effect when the current policy premiums were calculated.


WEST VIRGINIA

REV 4/03 Rules - 22 AAIS

RULE 5 -- DEDUCTIBLES A deductible amount is subtracted from all covered property losses, except the Incidental Property Coverages provided for Emergency Removal, Fire Department Service Charge, and if applicable, Refrigerated Food Spoilage, Extra Expense, Signs, Glass Breakage in Cabs, and Farm Operations Record Expense. The deductible amount is subtracted only once per occurrence at each location, regardless of the number of covered items affected. 5.1 Flat Deductibles -- All Perils/All Coverages The policy may be issued with a single deductible amount that applies

to all perils and all coverages that are subject to the deductible provision. The following flat deductible options are available:

Deductible Amount $ 500 1,000 2,500 5,000 Use the factors shown in this manual to adjust the premium and show

the deductible amount on the declarations page.


WEST VIRGINIA


5.2 Split Deductible Amounts The policy may be issued with a split deductible. This means the

deductible option selected for property covered under Coverages A, B, and C differs from that selected for property covered under Coverages E, F, and G. When an occurrence affects two or more items at the same location with different deductible amounts, only the highest deductible applies. Apply the deductible factors shown in this manual for the selected options.

Attach Endorsement FO-342 and make entries to show the

deductible amount for each coverage.


WEST VIRGINIA


RULE 6 -- PREMIUM MODIFICATIONS 6.1 Protective Devices Use the protective device factors shown in this manual to adjust the

premium for the installation of the following approved and properly maintained alarm and/or sprinkler systems:

-- Central Station Burglary and/or Fire Alarms -- Fire Department and/or Police Department Alarms -- Local Alarms -- Including smoke and/or gas detection -- Sprinkler Systems Attach Endorsement FO-216. 6.2 Fire Protection The location of the building(s) determines its fire protection

classification as defined below: Protected Building is located within 1,000 feet of a fire hydrant

and within five road miles of a responding fire department.

Partially Building is located over 1,000 feet from a fire Protected hydrant but within five road miles of a responding fire

department. Unprotected All others.


WEST VIRGINIA


6.3 Building Construction [Coverage A and (B if FO-48 Applies)] "THIS RULE DOES NOT APPLY" 6.4 Deletion of Coverage B -- Forms FO-1, FO-2, and FO-3 Coverage B -- Related Private Structures can be deleted unless

Endorsement FO-151 is attached to extend the Coverage A limit. Use the factor shown in this manual to adjust the premium.

Make an entry on the declarations page to show that Coverage B

does not apply. 6.5 Deletion of Coverage C -- Forms FO-1, FO-2, and FO-3 Coverage C -- Personal Property can be deleted when the policy is

issued to cover the farmowner who does not occupy the principal farm residence. Use the factor shown in this manual to adjust the premium.

Make an entry on the declarations page to show that Coverage C

does not apply. 6.6 Modified Replacement Cost Coverage -- Forms FO-2 and FO-3

(Does Not Apply to Mobile Homes) "THIS RULE DOES NOT APPLY"


WEST VIRGINIA


6.7 Repair Cost Coverage -- Forms FO-2 and FO-3 (Does Not Apply to Mobile Homes)

"THIS RULE DOES NOT APPLY" 6.8 Actual Cash Value Coverage -- Forms FO-1, FO-2, and FO-3 (Does Not Apply to Mobile Homes) "THIS RULE DOES NOT APPLY" 6.9 Replacement Cost Coverage for Mobile Homes -- Forms FO-2

and FO-3 "THIS RULE DOES NOT APPLY"


WEST VIRGINIA


6.10 Limited Perils -- Form FO-6 The coverage provided for selected farm buildings and farm personal

property under Coverages E, F, and G can be limited to risks of direct physical loss caused by specific perils. Use the limited perils factors shown in this manual to adjust the premium. When more than one peril is selected, use the sum of the factors for all selected perils to adjust the premium.

Attach Endorsement FO-340 and describe the property subject to the

limited perils coverage. Make entries to show which perils apply. 6.11 Deletion of Farm Personal Liability Coverage Use the credit shown in this manual to adjust the premium for the

deletion of farm personal liability coverage when: -- farm personal liability coverage is omitted and replaced by

commercial liability coverage; -- coverage under the property section of the policy is divided

between two or more companies as permitted under the Contributing Insurance rule; or

-- coverage for farm personal liability is not provided by the

company. Make an entry on the declarations to show that farm personal liability coverage does not apply.

The credit for the deletion of farm personal liability coverage also

applies to the premium developed for an additional or secondary farm location if coverage for an additional residence premises occupied by the insured has been added to the policy that covers the primary location.

6.12 Tie-Down Credit The tie-down factor shown in this manual can be used to adjust the

premium when covered structures are tied down. Refer to the company for tie-down specifications and eligibility for the tie-down credit.


WEST VIRGINIA


6.13 Vacancy Permit The penalty that applies to buildings and their contents at a vacant or

unoccupied locations can be waived for a specified period of time. Use the factor shown in this manual to adjust the premium.

Attach Endorsement FO-75 and describe the vacant or unoccupied

location. Make an entry to show the period permitted for vacancy or unoccupancy.


WEST VIRGINIA

REV 4/03 Rules - 29 AAIS

RULE 7 -- PROPERTY COVERAGE OPTIONS -- DWELLING The optional property coverages described in this rule can be added when Form FO-1, FO-2, FO-3, or FO-4 is used to provide coverage for the principal farm residence. 7.1 Earthquake Coverage for direct physical loss caused by earthquake can be

added for property covered under Coverages A, B, and C. The limit for this coverage must be the same as the Coverage A limit. If the limits that apply to property covered under Coverages B or C have been increased or if the Coverage D limit has been increased, increase the earthquake premium accordingly. A special deductible provision applies. Use the rating information shown in this manual.

Attach Endorsement FO-54. If coverage is provided for exterior

masonry veneer, make an entry to show that the masonry veneer exclusion does not apply.

7.2 Water Damage -- Sewers, Drains, and Sumps Coverage for direct physical loss caused by water that backs up

through sewers or drains or overflows from a sump can be added for property covered under Coverages A, B, and C. Coverage for such loss is limited to $5,000; a $500 deductible applies. Use the rating information shown in this manual.

Attach Endorsement FO-208. 7.3 Sprinkler Leakage When a premium credit has been allowed for the installation of an

approved and properly maintained sprinkler system, coverage can be added for direct physical loss to property covered under Coverages A, B, or C resulting from the accidental leakage of the sprinkler system. Use the rating information shown in this manual.

Attach Endorsement FO-307 and describe the covered property.

Make entries to show the limits that apply.


7.4 Automatic adjustment of limits THIS RULE DOES NOT APPLY 7.5 Dwelling under construction-Theft Coverage can be provided for theft or attempted theft in or to a residence being built or a newly

Constructed residence before it is occupied. Coverage also applies to theft of materials & supplies used in construction of residence. Use the rating information shown in this manual. Attach Endorsement FO-125 & make entries to show the effective date of the coverage & the limit that applies.

7.6 Private Structures-Increased limits for specific structures

An additional amount of insurance can be provided for specific private structures that are covered under Coverage B. Use the rating information shown in this manual. Attach Endorsement FO-48 & describe the covered structures. Make an entry to show the additional amount of coverage that applies to each structure.

7.7 Personal property 7.7.1 Increased limit The coverage C limit can be increased. Use the rating information shown in this manual. Show the Coverage C limit on the declarations page. 7.7.2 Reduced limit THIS RULE DOES NOT APPLY Rev 11/11 Rules-30 AAIS


WEST VIRGINIA

REV 6.0 TD - 1 AAIS

TERRITORIAL DEFINITIONS

County Territory Barbour 136 Berkeley 136 Boone 134 Braxton 136 Brooke 135 Cabell except City of Huntington 133 City of Huntington 132 Calhoun 136 Clay 136 Doddridge 136 Fayette 291 Gilmer 136 Grant 136 Greenbrier 136 Hampshire 136 Hancock 135 Hardy 136 Harrison 136


WEST VIRGINIA

REV 6.0 TD - 2 AAIS

County Territory Jackson 135 Jefferson 136 Kanawha except City of Charleston 131 City of Charleston 130 Lewis 136 Lincoln 134 Logan 134 McDowell 134 Marion 136 Marshall 135 Mason 135 Mercer 134 Mineral 136 Mingo 134 Monongalia 136 Monroe 292 Morgan 136 Nicholas 136 Ohio 135 Pendleton 136


WEST VIRGINIA

REV 6.0 TD - 3 AAIS

County Territory Pleasants 135 Pocahontas 136 Preston 136 Putnam 135 Raleigh 134 Randolph 136 Ritchie 136 Roane 136 Summers 292 Taylor 136 Tucker 136 Tyler 135 Upshur 136 Wayne except City of Huntington 133 City of Huntington 132 Webster 136 Wetzel 135 Wirt 136 Wood 135 Wyoming 134


WEST VIRGINIA

REV 6.0 TD - 4 AAIS

"RESERVED FOR FUTURE USE"

FARMERS MUTUAL INSURANCE COMPANY WEST VIRGINIA FARMOWNERS MANUAL

FMIC REV 01/2005 RATING INFORMATION - 1 AAIS

PROTECTED - FRAME

DWELLINGCOVERAGE TYPE 1 TYPE II TYPE III

A FO-1 FO-2 FO-3 FO-1 FO-2 FO-1

25,000 187 225 252 30,000 195 234 265 35,000 203 226 244 272 274 40,000 209 233 251 280 282 45,000 216 242 259 290 292

50,000 225 251 264 269 302 303 55,000 235 264 276 282 316 317 60,000 249 278 292 298 333 336 65,000 265 295 311 317 354 357 70,000 282 315 332 339 378 381

75,000 303 338 356 363 405 410 80,000 327 363 383 392 436 441 85,000 353 393 414 423 471 476 90,000 380 425 447 457 509 513 95,000 411 459 483 492 550 554

100,000 444 496 522 533 594 601 110,000 516 576 606 618 691 695 120,000 592 662 695 710 795 799 130,000 636 711 749 763 854 859 140,000 683 762 800 819 915 921

150,000 727 812 854 872 973 982 160,000 771 861 907 925 1,033 1,040 170,000 816 910 959 980 1,093 1,103 180,000 861 961 1,012 1,033 1,153 1,162 190,000 906 1,011 1,064 1,087 1,213 1,223

200,000 950 1,061 1,117 1,140 1,273 1,282

Each Add'l10,000 42 47 50 50 56 58

$500 DEDUCTIBLE



PARTIALLY PROTECTED - FRAME



25,000 230 276 311 30,000 240 289 335 35,000 248 278 297 332 345 40,000 256 287 307 343 349 45,000 265 296 317 355 357

50,000 274 307 323 329 369 370 55,000 289 320 339 347 385 390 60,000 305 339 357 364 407 411 65,000 323 361 380 389 434 437 70,000 345 386 407 414 464 466

75,000 371 414 436 444 498 500 80,000 400 445 469 480 534 540 85,000 432 481 507 517 578 582 90,000 466 521 548 559 625 629 95,000 504 563 592 604 675 679

100,000 545 607 641 653 730 733 110,000 631 706 742 758 846 853 120,000 726 811 853 870 972 980 130,000 780 870 918 936 1,045 1,053 140,000 835 932 982 1,001 1,118 1,177

150,000 890 993 1,046 1,068 1,193 1,201 160,000 944 1,054 1,111 1,133 1,265 1,275 170,000 999 1,116 1,175 1,198 1,339 1,347 180,000 1,053 1,176 1,240 1,263 1,411 1,422 190,000 1,109 1,238 1,304 1,330 1,486 1,496

200,000 1,164 1,299 1,368 1,398 1,559 1,571

Each Add'l10,000 54 58 61 63 69 71

$500 DEDUCTIBLE



UNPROTECTED - FRAME



25,000 339 408 458 30,000 354 425 478 35,000 365 410 440 490 494 40,000 378 421 454 506 510 45,000 390 436 468 523 526

50,000 55,000 425 474 499 509 568 573 60,000 448 501 528 538 602 605 65,000 477 532 561 572 638 644 70,000 509 569 599 611 683 689

75,000 547 610 643 657 732 739 80,000 588 657 692 706 789 794 85,000 635 709 748 762 851 858 90,000 686 765 806 823 919 926 95,000 741 828 872 890 993 1,001

100,000 802 895 943 963 1,073 1,082 110,000 930 1,038 1,095 1,116 1,246 1,256 120,000 1,069 1,193 1,257 1,282 1,432 1,443 130,000 1,150 1,283 1,352 1,379 1,540 1,552 140,000 1,231 1,373 1,447 1,476 1,647 1,661

150,000 1,310 1,464 1,542 1,572 1,756 1,769 160,000 1,392 1,553 1,636 1,672 1,863 1,881 170,000 1,472 1,643 1,731 1,766 1,972 1,988 180,000 1,553 1,734 1,827 1,863 2,080 2,096 190,000 1,634 1,824 1,922 1,961 2,188 2,206

200,000 1,715 1,914 2,017 2,058 2,296 2,315

Each Add'l 10,000 78 85 90 91 103 104

$500 DEDUCTIBLE



PROTECTED - MASONRY



25,000 155 187 210 30,000 163 195 219 35,000 169 188 203 226 228 40,000 175 194 210 233 236 45,000 180 201 216 240 243

50,000 187 209 219 225 251 252 55,000 196 218 231 236 263 266 60,000 208 231 244 249 276 280 65,000 219 245 258 264 295 297 70,000 235 263 276 282 314 317

75,000 252 281 297 303 338 340 80,000 272 303 320 327 363 368 85,000 293 328 345 353 393 396 90,000 317 354 372 381 425 428 95,000 343 383 403 412 459 462

100,000 371 413 435 444 496 500 110,000 429 480 505 516 574 581 120,000 494 550 581 593 660 667 130,000 531 593 625 637 711 717 140,000 568 634 668 681 761 767

150,000 606 675 711 727 811 819 160,000 643 717 756 771 861 867 170,000 679 758 799 816 910 918 180,000 717 800 843 861 961 968 190,000 755 842 886 906 1,009 1,020

200,000 792 884 931 950 1,061 1,070

Each Add'l 10,000 35 39 41 42 47 48

$500 DEDUCTIBLE



PARTIALLY PROTECTED - MASONRY



25,000 182 217 245 30,000 190 227 256 35,000 195 218 234 264 265 40,000 202 226 242 271 272 45,000 209 233 251 280 282

50,000 216 242 255 259 290 292 55,000 227 252 267 273 303 307 60,000 240 267 281 289 320 324 65,000 255 284 299 306 340 344 70,000 273 303 320 328 363 369

75,000 292 327 343 351 392 395 80,000 314 351 370 377 420 424 85,000 339 379 400 407 456 458 90,000 368 410 432 441 491 496 95,000 396 442 466 476 530 534

100,000 428 477 504 515 572 579 110,000 498 555 585 596 667 671 120,000 571 636 671 686 763 772 130,000 614 686 722 738 823 830 140,000 658 733 773 790 879 888

150,000 701 781 823 842 937 947 160,000 743 830 875 893 995 1,005 170,000 788 878 925 944 1,053 1,063 180,000 831 926 975 998 1,111 1,121 190,000 875 973 1,027 1,049 1,168 1,180

200,000 917 1,023 1,077 1,100 1,226 1,238

Each Add'l 10,000 39 43 46 47 54 55

$500 DEDUCTIBLE



UNPROTECTED - MASONRY



25,000 236 285 321 30,000 248 297 335 35,000 256 288 307 345 345 40,000 265 296 317 355 357 45,000 273 306 330 368 369

50,000 284 316 333 340 379 383 55,000 297 332 349 356 399 401 60,000 314 351 369 377 420 424 65,000 333 372 393 400 447 450 70,000 356 399 419 427 478 481

75,000 383 427 449 459 513 517 80,000 412 460 484 494 552 555 85,000 444 497 523 533 595 601 90,000 480 538 564 574 645 647 95,000 520 581 610 623 697 701

100,000 561 627 659 673 752 756 110,000 651 727 765 781 872 879 120,000 748 836 879 897 1,003 1,009 130,000 804 899 945 965 1,078 1,086 140,000 861 963 1,012 1,033 1,154 1,162

150,000 918 1,025 1,078 1,101 1,226 1,239 160,000 973 1,088 1,143 1,168 1,305 1,314 170,000 1,030 1,151 1,211 1,237 1,382 1,391 180,000 1,086 1,215 1,278 1,303 1,457 1,466 190,000 1,142 1,278 1,343 1,370 1,534 1,542

200,000 1,199 1,341 1,410 1,440 1,609 1,619

Each Add'l 10,000 55 59 63 64 71 72

$500 DEDUCTIBLE



UNPROTECTED FORM FO-4

COVERAGE CAMOUNT FRAME MASONRY

6,000 62 55 8,000 74 66

10,000 86 79 12,000 98 90

14,000 110 103 16,000 122 114 18,000 134 127 20,000 146 139

22,000 159 151 24,000 170 163 26,000 183 175 28,000 194 187

30,000 207 200 35,000 236 230 40,000 267 259 45,000 297 290

50,000 328 320

Each Add'l5,000 24 22

Protected Credit 0.80 Partially Protected Credit 0.90

$500 DEDUCTIBLE



MOBILE-HOME RATESUNPROTECTED PRIMARY RESIDENCETYPE 1COVERAGE COVERAGEAMOUNT FORM 2 FORM 4 AMOUNT FORM 2 FORM 4

2,000 64 32,000 476 249 3,000 70 33,000 488 255 4,000 148 79 34,000 499 259 5,000 167 87 35,000 508 265 6,000 180 95 36,000 520 271

7,000 193 100 37,000 530 275 8,000 207 109 38,000 542 281 9,000 223 116 39,000 553 287

10,000 233 122 40,000 563 291 11,000 243 128 41,000 573 297

12,000 255 134 42,000 585 302 13,000 266 139 43,000 595 308 14,000 276 145 44,000 606 313 15,000 288 151 45,000 613 317 16,000 299 158 46,000 625 323

17,000 309 163 47,000 635 329 18,000 321 169 48,000 646 335 19,000 332 174 49,000 657 339 20,000 344 180 50,000 668 344 21,000 355 186 55,000 722

22,000 365 192 60,000 776 23,000 376 198 65,000 831 24,000 387 203 70,000 885 25,000 399 209 75,000 940 26,000 410 215

27,000 420 221 28,000 433 227 29,000 443 234 30,000 454 238 31,000 465 244


$500 DEDUCTIBLE



MOBILE-HOME RATESUNPROTECTED PRIMARY RESIDENCETYPE 2COVERAGE

AMOUNT FORM 2 FORM 4

2,000 153 80 3,000 170 88 4,000 186 98 5,000 208 109

6,000 225 119 7,000 240 126 8,000 257 135 9,000 278 145

10,000 291 153 11,000 305 161

12,000 319 168 13,000 332 174 14,000 345 182 15,000 359 190 16,000 373 196

17,000 386 204 18,000 402 212 19,000 416 217 20,000 429 226 21,000 443 233

22,000 457 240 23,000 469 249 24,000 485 254 25,000 499 263


$500 DEDUCTIBLE



Rates per $1,000 of Insurance $500 Loss Deductible

Coverage E - Farm Barns, Buildings and StructuresCoverage F - Scheduled Farm Personal Property

Coverage G - Unscheduled Farm Personal Property

ALL TERRITORIES

Radio and Television Equipment (Outdoor) 24.15$ Windmills and Windchargers 38.40 Private Power and Light Poles 11.11 Livestock 5.55 Coverage G - Unscheduled Farm Personal 7.37

Property ($15,000 Minimum)Personal Property 5.07 Described Machinery 5.07 Machinery Not Described 3.86

Hay:In building 9.18 In the open 6.76

Barns:Type 1 (Minimum $4,000) 9.66 Type 2 (Minimum $4,000) 11.59 Type 3 Including Portable Buildings 13.52

Silos:Type 1 (Minimum $5,000) 9.66 Type 2 (Minimum $1,000) 11.83 Type 3 13.77

Dwelling and Contents:Type 1 9.54 Type 2 11.72 Type 3 13.65

Mobile Homes and Contents:Type 1 11.45 Type 2 14.06

The premium for property not provided for below shall be obtained using the manuals for fire, extended coverage, and vandalism and malicious mischief perils, including charges and credits.



Coverages E, F, and G - Charges and Credits

Protection Class Factors - Protected and Partially Protected Location

Farm Barns, Buildings and Structures - Use the following factors toreduce the premium:

Protected 0.90 Partially Protected 0.95

Farm Personal Property - Use the following factors to reduce thepremium: 0.98

Farm Barns and Outbuildings - Heating

Charges apply to building and contents.

(a) Gas or Electric: For heating stoves or gas or portableelectric heating devices of any description (other thanelectric light or heat bulbs).

(b) Other: Wood, coal, or oil burning brooders or heating stoves.

Charges for the above are not cumulative. If more than one charge isapplicable the higher charge will be used.

Note:

Charges Per $1,000 of InsuranceElectric or Gas $0.72Other 1.45

Exposed Urethane or Styrene Insulation - Use the following factor to increase premium when exposed urethane or styrene is present: 2.00

No charge if building is unheated or if heated by permanently installed warm air furnace, hot water, or steam heating plant set on an incombustible base and venting to standard chimney built from the ground and with no other type of heating device in the building.

FARMERS MUTUAL INSURANCE COMPANY WV FARMOWNERS MANUAL RATING INFORMATION

RULE 3.5 ADDITIONAL INTERESTS Endorsement 3.5.1 Property Interests FO-41 $25 PER POLICY CHARGE 3.5.3 Commercial Liability Interests GL-108 $25 PER POLICY CHARGE

DEDUCTIBLES 5.1 DEDUCTIBLE OPTIONS FACTOR & 5.2 $500 $1.00 $1,000 .90 $2,500 .82 $5,000 .77 Show deductible on declarations. For a split deductible, use endorsement FO-342

PREMIUM MODIFICATIONS 6.1 PROTECTIVE DEVICES Central Station Burglary Alarm Systems $0.95 Central Station Fire Alarm Systems 0.95 Fire Dept alarm systems 0.97 Police Dept Alarm Systems 0.97 Local Alarm Systems 0.98 Sprinkler Systems 0.97 ENDORSEMENT FO-216 6.2 FIRE PROTECTION-OTHER THAN MOBILE HOMES “THIS RULE DOES NOT APPLY” 6.3 BUILDING CONSTRUCTION (COV A & B (B IF FO-48 APPLIES) TYPE 2 1.25 TYPE 3 1.50 EXPOSED URETHAN OR STYRENE INSULATION 2.00 6.4 DELETION OF COV B-FORMS FO-1, FO-2 & FO-3 .98 Show coverage B deletion on declarations 6.5 DELETION OF COVERAGE C-FORMS FO-1, FO-2 & FO-3 .80 Show coverage C deletion on declarations

FMIC Rev. 1/12 RATING INFORMATION-12 AAIS


RATING INFORMATION PREMIUM MODIFICATIONS

RULE 6.6 Modified replacement cost – Forms FO-2 & FO-3 “THIS RULE DOES NOT APPLY” 6.7 Repair cost – Forms FO-2 & FO-3 “THIS RULE DOES NOT APPLY” 6.8 Actual cash value – Forms FO-1 & FO-2 Endorsement FO-15 is added 6.9 Replacement cost of mobile homes “THIS RULE DOES NOT APPLY” FMIC Rev. 5/14 Rating information – 13



PREMIUM MODIFICATIONS

RULE FACTOR

6.10 LIMITED PERILS - FORM FO-6 APPLY APPROPRIATE FACTOR TO THE RATING INFORMATION SHOWN FOR COVERAGES E, F, AND G PERILS COVERED FIRE OR LIGHTNING ALL FARM PROPERTY 0.65 WIND OR HAIL FARM BUILDING AND STRUCTURES 0.15 ALL OTHER FARM PROPERTY 0.10 EXTENDED COVERAGE (PERILS 3 - 7) LIVESTOCK 0.25 ALL OTHER FARM PROPERTY 0.20 VANDALISM LIVESTOCK 0.05 ALL OTHER FARM PROPERTY 0.02 ENDORSEMENT FO-340 6.11 DELETION OF FARM PERSONAL LIABILITY COVERAGE CREDIT SHOW FARM PERSONAL LIABILITY DELETION ON DECLARATIONS $24.00 FACTOR 6.12 TIE-DOWN CREDIT 0.90 6.13 VACANCY PERMIT UP TO 30 DAYS VACANT 1.10 31 UP TO 60 DAYS VACANT 1.20 61 UP TO 90 DAYS VACANT 1.30 EACH ALL’D 30 DAY PERIOD OF VACANCY, ADD TO FACTOR 0.10 ENDORSEMENT FO-75

RATING INFORMATION

FARMERS MUTUAL INSURANCE COMPANY WV FARMOWNERS MANUAL RATING INFORMATION OPTIONAL PROPERTY COVERAGES – DWELLING

RULE 7.1 EARTHQUAKE – RATING INFORMATION PER $1,000 OF INSURANCE * FORM FRAME & MOBILE HOMES ALL OTHERS FO 1, 2, 3 .24 .48 FO 4 .18 .37 Higher limits of: Coverage B & D .24 .48 Coverage C .18 .37

*Coverage for masonry veneer is optional. Refer to endorsement if the special exclusion applies Rate as “frame”, if not, rate as “all others”.

ENDORSEMENT FO-54 RATING INFORMATION PER AMT OF INS 7.2 WATER DAMAGE SEWERS, DRAINS, PUMPS $30.45 PER POLICY ENDORSEMENT FO-208 7.3 SPRINKLER LEAKAGE BUILDING $3.14 $1,000 CONTENTS 10.87 1,000 ENDORSEMENT FO-307 7.4 AUTOMATIC ADJUSTMENT OF LIMITS THIS RULE DOES NOT APPLY 7.5 DWELLING UNDER CONSTRUCTION THEFT 24.15 1,000 ENDORSEMENT FO-125 7.6 PRIVATE STRUCTURES INCREASED LIMIT 6.00 1,000 ENDORSEMENT FO-48 7.7 PERSONAL PROPERTY 7.7.1 INCREASED LIMIT (SHOW ON DEC) 1.27 1,000 7.7.2 REDUCED LIMIT THIS RULE DOES NOT APPLY Rev 1/1/13 Rating Information – 15 AAIS

FARMERS MUTUAL INSURANCE COMPANY WV FARMOWNERS MANUAL RATING INFORMATION

OPTIONAL PROPERY COVERAGES – DWELLING

RULE 7.8 REPLACE VALUE-PERSONAL PROPERTY $50 PER POLICY FO 1, 2, 3 & 4 ATTACH ENDORSEMENT FO55 7.9 SCHEDULED PERSONAL PROPERTY RATE PER $100 Jewelry $1.03 Furs & related garments .61 Cameras & related equipment 2.17 Musical instruments & equipment .79

Silverware, gold ware, etc .85 Gold equipment & related items 1.21 Fine arts .79 Postage stamps & other philatelic property .66 Coins & other numismatic property 2.42 Bicycles & related equipment 1.21 Guns & related equipment 3.02 Other personal property 1.21 ATTACH ENDORSEMENT FO61 & FO61A

RATING INFO PER AMT OF INS

7.9.1 SCHEDULED RECREATIONAL MOTOR VEHICLES $42 $1,000 DESCRIBE THE COVERED RECREATIONAL MOTOR VEHICLES ON ENDORSEMENT ML504 & MAKE ENTRIES TO SHOW THE LIMITS THAT APPLY. ATTACH ENDORSEMENT FO504 7.10 COMPUTERS Data Processing Equipment $2.42 $100 Software 2.42 100 7.12 LIMITATIONS ON CERTAIN PROPERTY Money 7.25 100 Securities 4.83 100 Jewelry, watches & furs 10.87 500 Silverware, gold ware & pewter ware .61 100 Guns & gun accessories 2.42 100 Motorized vehicles 1.21 100 Business property 1.21 100 ATTACH ENDORSEMENT FO65 Rev 4/1/12 FO-Rating Info-16 AAIS



OPTIONAL PROPERTY COVERAGES - DWELLING

RULE

PERRATING AMOUNT OF

INFORMATION INSURANCE7.13 BUSINESS PROPERTY - BUSINESS OCCUPANCY ON

THE PREMISES (MAXIMUM LIMIT OF $3,000.) 1.05 100ENDORSEMENT FO-69 1.21

7.14 ADDITIONAL LIVING COSTS AND LOSS OF RENT 1,000SHOW COVERAGE D LIMIT ON DECLARATIONS 2.42

7.15 EXPANDED DEBRIS REMOVAL FACTORENDORSEMENT FO-60 1.05

7.16 EXPANDED ORDINANCE OR LAW 1.10ENDORSEMENT FO-70

7.17 REPLACEMENT VALUE - WELL PUMPS PER PUMP

7.18 INCIDENTAL COVERAGES - INCREASED LIMITSFIRE DEPARTMENT SERVICE CHARGE $100OUTDOOR ANTENNAS 1.21 100WELL PUMPS 1.21 100PRIVATE POWER AND LIGHT POLES 1.21 100REFRIGERATED FOOD SPOILAGE 1.21 250TENANT'S IMPROVEMENTS 1.21 100CREDIT CARD FORGERY, & COUNTERFEIT MONEY 0.37

AGGREGATE LIMIT CHARGE$2,500 1.45

5,000 2.067,500 2.78

10,000 3.51

ENDORSEMENT FO-30

7.19 OPTIONS THAT APPLY ONLY TO MOBILE HOMES

7.19.1 CONSENT TO MOVE MOBILE HOME PERENDORSEMENT FO-25 12.08 POLICY

7.19.2 COLLISION OR UPSET PER ENDORSEMENT FO-26 18.11 POLICY

7.19.3 SECURED PARTY'S INTEREST - ADDITIONAL COVERAGE

COLLISION, UPSET, CONVERSION, EMBEZZLEMENT,OR SECRETION PER

12.08 POLICYFLOOD, EARTHQUAKE, COLLISION, UPSET, FACTORCONVERSION, EMBEZZLEMENT, OR SECRETION 1.15

ENDORSEMENT FO-27

RATING INFORMATION



OPTIONAL PROPERTY COVERAGES - FARM

RULE

PERRATING AMOUNT OF

8.1 EARTHQUAKE - 5.0% DEDUCTIBLE APPLIES INFORMATION INSURANCEFARM BUILDINGS AND STRUCTURES*

FRAME $0.08 $1,000ALL OTHERS 0.18 1,000

0.05 1,000

* COVERAGE FOR MASONRY VENEER IS OPTIONAL, REFER TO ENDORSEMENTIF THE SPECIAL EXCLUSION APPLIES, RATE AS "FRAME";IF NOT, RATE AS "ALL OTHERS"

ENDORSEMENT FO-354

8.2 WEIGHT OF ICE, SNOW, OR SLEET 1.09 1,000ENDORSEMENT FO-323

8.3 SPRINKLER LEAKAGEBUILDING 3.14 1,000CONTENTS 10.87 1,000

ENDORSEMENT FO-307

8.4 ORDINANCE OR LAW FACTORENDORSEMENT FO-257 1.20

8.6 SPECIAL FORM COVERAGE - FARM BARNS,BUILDINGS, AND STRUCTURES 1.15ENDORSEMENT FO-362

8.8 THEFT OF BUILDING MATERIALS 1.25ENDORSEMENT FO-345

8.10 FARM MACHINERY COVERAGE - OPEN PERILSSCHEDULED 2.42 1,000BLANKET 3.02 1,000

ENDORSEMENT FO-360

8.12 PROPERTY IN TRANSIT 16.91 PERENDORSEMENT FO-361 POLICY

8.14 FARM PRODUCTS IN THE OPEN -WINDSTORM OR HAIL

"THIS RULE DOES NOT APPLY"

8.15 ADDITIONAL PERILS - LIVESTOCKEXCLUDING SHEEP 3.02 1,000INCLUDING SHEEP 8.45 1,000

ENDORSEMENT FO-356

RATING INFORMATION



OPITIONAL PROPERTY COVERAGES - FARM

RULE

PERRATING AMOUNT OF

INFORMATION INSURANCE8.16 WINTER PERILS - LIVESTOCK


8.17 SUFFOCATION OF LIVESTOCK 0.61$ 1,000$ ENDORSEMENT FO-349

8.18 ANIMAL BOARDING"THIS RULE DOES NOT APPLY"

8.19 4-H AND F.F.A. ANIMALS 0.97 100 ENDORSEMENT FO-346

8.20 POLLUTANT CLEAN-UP AND REMOVAL -HIGHER AGGREGATE LIMIT


8.21 FARM EXTRA EXPENSE 1.69 100 SHOW LIMIT ON THE DECLARATIONS PAGE OR SCHEDULE

8.22 EXPANDED DEBRIS REMOVAL

8.22.1 COVERAGES E AND F FACTORENDORSEMENT FO-350 1.05

8.23 INCIDENTIAL COVERAGES - INCREASED LIMITSFIRE DEPARTMENT SERVICE CHARGE 1.21 100 PROPERTY IN CARE OF COMMON/CONTRACT CARRIER 1.21 100 SIGNS

ELECTRIC 3.62 100 ALL OTHER 2.42 100

GLASS BREAKAGE IN CABS 1.21 100 FARM OPERATIONS RECORDS 1.21 1,000

ENDORSEMENT FO-330

RATING INFORMATION



REVISED LIABILITY LIMITS

RULE

2.4.2 FARM PERSONAL LIABILITYREDUCED COVERAGE L LIMIT


2.4.3 COMMERCIAL LIABILITY REDUCED COVERAGE L LIMIT


2.5 COMMERCIAL LIABILITYHIGHER AGGREGATE LIMITS


RATING INFORMATION



RATING INFORMATION

OPTIONAL LIABILITY COVERAGESLIMITS: ,000 OMITTED; INCL $1,000 MED

EACH ADD'L$50 $100 $300 $500 $1,000 $1,000 MED

RULE ($5,000 MAXIMUM)3.5 ADDITIONAL INTERESTS

OCCUPYING SEPARATE RESIDENCE 13 15 22 25 27 $3.62ENDORSEMENT GL-71

OTHER RESIDENTS 3 5 5 5 6 1.21ENDORSEMENT GL-72

4 FARM PERSONAL LIABILITYINITIAL FARM EXPOSURE

1 - 160 ACRES - 11 26 30 34 3.62161 - 500 ACRES 13 19 26 30 34 3.62OVER 500 ACRES 24 32 45 50 56 3.62

4 EACH ADDITIONAL FARM PREMISES 18 21 26 30 34 1.21*

4 DOMESTIC EMPLOYEES 5 6 7 8 9 1.21

* 4 ADDITIONAL RESIDENCE PREMISES 5 6 8 9 11 1.21OCCUPIED BY INSURED

4 COMMERCIAL LIABILITYINITIAL FARM EXPOSURE

1 - 160 ACRES 22 29 33 38 41 3.62161 - 500 ACRES 30 40 45 50 56 3.62OVER 500 ACRES 39 51 58 66 72 3.62

4 EACH ADDITIONAL FARM PREMISES 15 19 22 25 27 3.62


RATING INFORMATION


EACH ADD'L$50 $100 $300 $500 $1,000 $1,000 MED

RULE ($5,000 MAXIMUM)

9.1 PERSONAL LIABILITY 13 15 19 22 26.25 4.2315ENDORSEMENT GL-9

9.2 ADDITIONAL RESIDENCE PREMISESRENTED TO OTHERSCHARGE PER FAMILY UNIT 6 7 8 9 11 1.21

ENDORSEMENT GL-73

9.4 STRUCTURES RENTED TO OTHERS"THIS RULE DOES NOT APPLY"

9.5 CARE PROVIDED FOR OTHERS1 TO 3 PERSONS 143 159 210 239 264 4.83

ENDORSEMENT GL-84

9.6 BUSINESS ACTIVITIES - BUSINESSNOT OWNED BY THE INSURED

9.6.1 CLERICAL OFFICE EMPLOYEES 2 2 3 5 5 1.219.6.2 SALESPERSONS - NO INSTALLATION 2 2 3 5 5 1.219.6.3 SALESPERSONS - WITH INSTALLATION 5 6 6 7 7 1.219.6.4 TEACHERS 11 11 14 16 17 1.219.6.5 TEACHERS - NOC 3 5 5 5 6 1.219.6.6 CORPORAL PUNISHMENT* 5 5 6 7 7

* DOES NOT INCLUDE MEDICAL PAYMENTS

ENDORSEMENT GL-74

9.7 OFFICE, PROFESSIONAL, PRIVATESCHOOL, OR STUDIO OCCUPANCY 9 13 15 17 18 2.42

ENDORSEMENT GL-80

9.8 OWNED SNOWMOBILE - OFF PREMISES 71 80 105 120 131 4.83

ENDORSEMENT GL-83




RATING INFORMATION


EACH ADD'L$50 $100 $300 $500 $1,000 $1,000 MED


9.9 WATERCRAFT

EACH OUTBOARD MOTOR25 TO 50 HORSEPOWER 7 8 11 13 14 5.25OVER 50 HORSEPOWER 14 15 19 22 24 7.35

INBOARD OR IN/OUTBOARD MOTOR-BOATS AND SAILBOATS*

UNDER 16 MPHLESS THAN 26 FT 17 19 25 29 32 5.2526 TO 40 FT 46 50 67 78 85 5.25OVER 40 FT 88 98 130 148 163 18.90

16 - 30 MPHLESS THAN 26 FT 37 40 54 61 66 7.3526 TO 40 FT 71 80 107 120 131 14.70OVER 40 FT 133 147 195 224 245 29.40

OVER 30 MPHLESS THAN 26 FT 88 98 130 148 163 18.9026 TO 40 FT 133 147 195 224 245 29.40

SAILBOATS - NO AUXILIARY POWER26 TO 40 FT 37 40 54 61 66 7.35

* CHARGES DO NOT APPLY TO SAILBOATS UNDER 26 FEET

ENDORSEMENT GL-82

9.10 PERSONAL INJURY - PERSONALAND FARM PERSONAL LIABILITY* 6 7 8 9 11* DOES NOT INCLUDE MEDICAL PAYMENTS

ENDORSEMENT GL-81

9.11 PERSONAL AND ADVERTISINGINJURY - COMMERCIAL LIABILITY* 6 8 8 9 11* DOES NOT INCLUDE MEDICAL PAYMENTS



RATING INFORMATION


EACH ADD'L$50 $100 $300 $500 $1,000 $1,000 MED


9.12 EMPLOYER'S LIABILITY - FARM EMPLOYEESFULL TIME - 180 DAYS OR MOREPER YEAR: EACH EMPLOYEE CHARGE 11 13 18 21 23 2.42

PART TIME - 41 TO 179 DAYSPER YEAR: EACH EMPLOYEE CHARGE 7 9 11 13 14 2.42

PART TIME - 40 DAYS OR LESSPER YEAR: RATE PER 100 MAN-DAYSOR FRACTION THEREOF 3 5 5 6 7 2.42

FARM PERSONAL LIABILITY: ENDORSEMENT GL-76COMMERCIAL LIABILITY: ENDORSEMENT GL-872

9.13 CUSTOM FARMING PER $100 OF RECEIPTSWITHOUT PESTICIDES/HERBICIDES 0.97 1.09 1.16 1.31 1.45 3.62

ENDORSEMENT GL-75

9.14 FRUIT OR VEGETABLE "PICK YOUR OWN"OPERATIONS


9.15 HORSE BOARDINGPER STALL CHARGE


9.16 INCIDENTAL BUSINESS PURSUITS


9.17 FARM CHEMICAL LIMITED LIABILITY


9.18 CROP DUSTING




PREFERRED MOBILE HOMEOWNERS $500 Deductible

DWELLING PARTIALLYAMOUNT PROTECTED PROTECTED UNPROTECTED

$ 20,000 $212 $295 $42525,000 219 303 43830,000 228 316 45935,000 238 332 47740,000 248 343 497

45,000 257 356 51750,000 267 370 52955,000 276 384 54960,000 288 397 57465,000 300 416 607

70,000 315 436 63175,000 329 454 695

SUPPLEMENTAL RATING PAGE

FARMOWNERS MANUAL

WEST VIRGINIA

Note: This is Form FO-3 coverage on an Actual Cash Basis.

Coverage Amount FO-2

Farmer Mutual Insurance Company Farm Rates

Protected

FO-1

Type 1

FO-3

Type 2

Frame

Type 3

FO-2FO-1 FO-1 10,000 43 48 52 52 57 59Add'l

25,000 191 0 0 230 0 258

30,000 200 0 0 240 0 271

35,000 207 231 0 249 278 281

40,000 214 239 0 257 287 289

45,000 221 247 0 266 297 299

50,000 230 257 270 275 310 311

55,000 241 270 283 289 324 325

60,000 255 285 299 305 341 344

65,000 271 302 318 325 362 366

70,000 289 323 340 347 387 390

75,000 311 346 364 372 415 419

80,000 334 372 392 401 446 452

85,000 361 402 424 433 483 487

90,000 389 435 458 468 521 526

95,000 420 470 495 504 563 568

100,000 455 507 534 546 608 615

110,000 528 590 620 633 707 712

120,000 606 677 712 727 814 818

130,000 651 728 766 782 874 879

140,000 699 780 819 839 936 943

150,000 744 831 874 892 997 1,005

160,000 789 882 929 947 1,058 1,064

170,000 835 932 981 1,003 1,119 1,129

180,000 882 984 1,036 1,058 1,180 1,190

190,000 928 1,035 1,089 1,113 1,242 1,252

200,000 973 1,086 1,144 1,167 1,303 1,313

01/01/2005Revised

Partially Protected



FO-1

Type 1

FO-3

Type 2

Frame

Type 3

FO-2FO-1 FO-1 10,000 55 59 62 65 71 73Add'l

25,000 235 0 0 283 0 318

30,000 246 0 0 296 0 343

35,000 254 285 0 304 340 354

40,000 262 293 0 314 352 357

45,000 271 303 0 325 363 366

50,000 281 314 331 336 377 378

55,000 296 328 347 355 395 399

60,000 312 347 366 373 417 420

65,000 331 370 389 398 444 447

70,000 354 396 417 424 475 477

75,000 379 424 446 455 510 512

80,000 410 456 481 491 547 553

85,000 442 492 519 529 591 596

90,000 477 533 561 572 640 644

95,000 516 576 606 618 691 696

100,000 558 621 656 669 747 753

110,000 646 722 760 776 866 873

120,000 743 830 873 891 995 1,003

130,000 799 891 940 958 1,070 1,078

140,000 855 955 1,005 1,024 1,145 1,205

150,000 912 1,017 1,071 1,093 1,221 1,230

160,000 966 1,079 1,137 1,160 1,295 1,305

170,000 1,022 1,143 1,203 1,227 1,371 1,379

180,000 1,078 1,204 1,270 1,293 1,445 1,456

190,000 1,135 1,267 1,335 1,362 1,521 1,532

200,000 1,192 1,330 1,401 1,431 1,596 1,608

01/01/2005Revised



FO-1

Type 1

FO-3

Type 2

Unprotected Frame

Type 3

FO-2FO-1 FO-1 10,000 80 87 92 94 105 106Add'l

25,000 347 0 0 418 0 469

30,000 362 0 0 435 0 489

35,000 374 419 0 450 502 505

40,000 387 431 0 464 518 522

45,000 399 446 0 479 535 539

50,000 414 462 487 497 555 559

55,000 435 485 511 521 582 587

60,000 459 513 541 550 616 619

65,000 488 545 574 586 654 659

70,000 521 583 613 626 699 705

75,000 560 625 658 673 749 757

80,000 602 673 708 722 807 813

85,000 650 726 765 780 871 878

90,000 702 784 826 843 941 948

95,000 759 848 892 912 1,017 1,024

100,000 821 916 965 986 1,099 1,107

110,000 952 1,063 1,121 1,143 1,276 1,286

120,000 1,094 1,221 1,287 1,313 1,466 1,477

130,000 1,177 1,314 1,385 1,411 1,577 1,589

140,000 1,260 1,406 1,481 1,511 1,687 1,701

150,000 1,342 1,499 1,579 1,609 1,797 1,811

160,000 1,425 1,590 1,675 1,711 1,907 1,925

170,000 1,507 1,682 1,773 1,808 2,019 2,035

180,000 1,590 1,775 1,871 1,907 2,130 2,146

190,000 1,673 1,867 1,967 2,008 2,240 2,259

200,000 1,755 1,960 2,065 2,107 2,351 2,370

01/01/2005Revised



Protected

FO-1

Type 1

FO-3

Type 2

Masonry

Type 3

FO-2FO-1 FO-1 10,000 35 40 42 43 48 49Add'l

25,000 159 0 0 191 0 215

30,000 167 0 0 200 0 225

35,000 173 192 0 207 231 233

40,000 180 199 0 215 239 242

45,000 184 205 0 221 246 248

50,000 191 214 225 230 257 258

55,000 201 224 237 242 269 272

60,000 213 237 249 255 283 287

65,000 225 250 264 270 302 304

70,000 241 269 283 289 321 325

75,000 258 288 304 311 346 348

80,000 278 311 328 334 372 376

85,000 300 335 354 361 402 405

90,000 325 362 381 390 435 439

95,000 352 392 413 421 470 473

100,000 379 422 445 455 507 512

110,000 440 491 517 528 588 594

120,000 505 563 594 607 676 683

130,000 544 607 640 653 728 734

140,000 582 649 684 698 779 785

150,000 620 691 728 744 830 839

160,000 658 734 774 789 882 888

170,000 696 776 818 835 932 940

180,000 734 819 863 882 984 991

190,000 773 862 907 928 1,033 1,044

200,000 811 905 954 973 1,086 1,095

01/01/2005Revised

Partially Protected



FO-1

Type 1

FO-3

Type 2

Masonry

Type 3

FO-2FO-1 FO-1 10,000 40 44 47 48 55 56Add'l

25,000 186 0 0 223 0 250

30,000 195 0 0 232 0 262

35,000 200 224 0 240 270 271

40,000 206 231 0 247 277 278

45,000 214 239 0 257 287 289

50,000 221 247 261 266 297 299

55,000 232 258 273 280 311 314

60,000 246 273 288 296 328 332

65,000 261 290 306 313 348 353

70,000 280 311 328 335 372 377

75,000 299 334 352 359 401 404

80,000 321 359 378 386 430 434

85,000 347 388 410 417 467 469

90,000 376 419 442 452 503 507

95,000 405 453 477 487 543 547

100,000 439 488 516 527 586 592

110,000 510 569 599 611 683 687

120,000 585 651 687 702 782 790

130,000 629 702 740 756 843 849

140,000 674 750 791 808 900 909

150,000 718 800 843 862 959 970

160,000 761 849 895 914 1,019 1,029

170,000 806 899 947 966 1,078 1,088

180,000 850 948 999 1,021 1,137 1,148

190,000 895 997 1,051 1,074 1,195 1,208

200,000 938 1,047 1,103 1,127 1,256 1,267

01/01/2005Revised



FO-1

Type 1

FO-3

Type 2

Unprotected Masonry

Type 3

FO-2FO-1 FO-1 10,000 56 60 65 66 73 74Add'l

25,000 242 0 0 291 0 329

30,000 254 0 0 304 0 343

35,000 262 295 0 314 354 354

40,000 271 303 0 325 363 366

45,000 280 313 0 335 376 377

50,000 290 324 341 348 388 392

55,000 304 340 357 364 409 411

60,000 321 359 377 386 430 434

65,000 341 381 402 410 458 461

70,000 364 409 429 438 489 492

75,000 392 438 460 470 526 529

80,000 421 471 496 505 565 569

85,000 455 508 535 546 610 615

90,000 491 550 577 588 660 662

95,000 532 594 625 637 714 718

100,000 574 642 675 689 770 774

110,000 667 744 784 800 892 900

120,000 765 856 900 918 1,027 1,033

130,000 823 920 968 988 1,104 1,112

140,000 882 986 1,036 1,058 1,181 1,190

150,000 940 1,049 1,104 1,128 1,260 1,269

160,000 997 1,114 1,171 1,195 1,336 1,345

170,000 1,055 1,178 1,239 1,266 1,415 1,424

180,000 1,112 1,244 1,308 1,334 1,492 1,501

190,000 1,170 1,308 1,375 1,403 1,571 1,579

200,000 1,228 1,373 1,444 1,474 1,647 1,658

01/01/2005Revised

Coverage Amount


Mobile - Home Rates

Form 2 Form 4

Unprotected Type 1

ProtectedPartiallyProtected

Preferred

Unprotected 2,000 0 66 0 0 0

3,000 0 72 0 0 0

4,000 152 81 0 0 0

5,000 171 89 0 0 0

6,000 184 97 0 0 0

7,000 198 102 0 0 0

8,000 212 112 0 0 0

9,000 228 118 0 0 0

10,000 239 125 0 0 0

11,000 248 131 0 0 0

12,000 261 138 0 0 0

13,000 272 142 0 0 0

14,000 283 148 0 0 0

15,000 295 155 0 0 0

16,000 306 161 0 0 0

17,000 316 167 0 0 0

18,000 329 173 0 0 0

19,000 340 178 0 0 0

20,000 353 184 217 302 435

21,000 363 190 219 303 438

22,000 374 197 220 305 440

23,000 385 203 223 306 444

24,000 397 207 224 310 446

25,000 409 214 225 311 448

26,000 419 220 226 313 453

27,000 430 226 229 315 458

28,000 443 232 230 319 461

29,000 454 240 232 321 467

30,000 464 244 233 324 470

31,000 476 249 237 328 473

32,000 487 255 238 330 477

33,000 500 261 240 334 481

34,000 511 266 241 336 485

35,000 520 271 244 340 488

36,000 532 277 246 343 492

37,000 543 282 247 345 496

38,000 555 288 249 346 501

39,000 567 293 250 348 504

40,000 576 298 254 352 508

41,000 587 304 256 354 512

42,000 599 310 257 356 517

43,000 610 315 260 360 520

44,000 620 320 261 362 526

45,000 628 325 263 364 529

01/01/2005Revised

Protected Credit 0.80Partially Protected Credit 0.90

Coverage Amount


Mobile - Home Rates

Form 2 Form 4

Unprotected Type 2

ProtectedPartiallyProtected

Preferred

Unprotected 0 13 1,075 269 0 0

2,000 157 82 0 0 0

3,000 174 90 0 0 0

4,000 190 100 0 0 0

5,000 213 112 0 0 0

6,000 230 121 0 0 0

7,000 246 129 0 0 0

8,000 263 139 0 0 0

9,000 285 148 0 0 0

10,000 298 157 0 0 0

11,000 312 164 0 0 0

12,000 327 172 0 0 0

13,000 340 178 0 0 0

14,000 354 186 0 0 0

15,000 368 195 0 0 0

16,000 382 201 0 0 0

17,000 396 209 0 0 0

18,000 412 217 0 0 0

19,000 426 223 0 0 0

20,000 440 231 0 0 0

21,000 454 239 0 0 0

22,000 468 246 0 0 0

23,000 481 255 0 0 0

24,000 497 260 0 0 0

25,000 511 269 0 0 0

01/01/2005Revised

Protected Credit 0.80Partially Protected Credit 0.90

Coverage Amount


Frame

Form FO-4

Masonry

Protected

5,000 19 18Add'l

6,000 51 44

8,000 60 55

10,000 70 65

12,000 81 74

14,000 90 84

16,000 100 94

18,000 110 104

20,000 119 114

22,000 130 124

24,000 140 133

26,000 149 143

28,000 159 154

30,000 169 163

35,000 194 188

40,000 218 213

45,000 243 238

50,000 268 262

01/01/2005Revised

Coverage Amount


Frame

Form FO-4

Masonry

Partially Protected

5,000 23 20Add'l

6,000 57 51

8,000 68 61

10,000 78 72

12,000 90 84

14,000 101 95

16,000 113 105

18,000 124 117

20,000 134 128

22,000 146 139

24,000 157 151

26,000 168 161

28,000 180 172

30,000 190 184

35,000 218 212

40,000 246 240

45,000 274 267

50,000 301 295

01/01/2005Revised

Coverage Amount


Frame

Form FO-4

Masonry

Unprotected

5,000 25 23Add'l

6,000 63 56

8,000 75 68

10,000 88 81

12,000 100 92

14,000 113 105

16,000 125 117

18,000 138 130

20,000 149 142

22,000 162 155

24,000 174 167

26,000 187 180

28,000 199 191

30,000 212 204

35,000 242 235

40,000 273 266

45,000 304 297

50,000 335 328

01/01/2005Revised

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