filing at a glance - am best · approved gail matson 03/06/2012 03/06/2012 objection letters and...

PDF Pipeline for SERFF Tracking Number OHMG-127853358 Generated 04/09/2012 02:22 PM

SERFF Tracking Number: OHMG-127853358 State: New Hampshire

Filing Company: Casco Indemnity Company State Tracking Number:

Company Tracking Number: HMSNH01152012 FORMS

TOI: 04.0 Homeowners Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations

Product Name: Homeowner (HMS)

Project Name/Number: HMSNH01152012 FORMS/HMSNH01152012 FORMS

Filing at a Glance

Company: Casco Indemnity Company

Product Name: Homeowner (HMS) SERFF Tr Num: OHMG-127853358State: New Hampshire

TOI: 04.0 Homeowners SERFF Status: Closed-Approved State Tr Num:

Sub-TOI: 04.0000 Homeowners Sub-TOI

Combinations

Co Tr Num: HMSNH01152012

FORMS

State Status: Approved

Filing Type: Form Reviewer(s): Gail Matson

Author: Rick Hartschuh Disposition Date: 03/06/2012

Date Submitted: 12/02/2011 Disposition Status: Approved

Effective Date Requested (New): 01/15/2012 Effective Date (New): 03/06/2012

Effective Date Requested (Renewal): 01/15/2012 Effective Date (Renewal):

03/06/2012

General Information

Project Name: HMSNH01152012 FORMS Status of Filing in Domicile:

Project Number: HMSNH01152012 FORMS Domicile Status Comments:

Reference Organization: ISO Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 03/06/2012

State Status Changed: 03/06/2012 Deemer Date:

Created By: Rick Hartschuh Submitted By: Rick Hartschuh

Corresponding Filing Tracking Number:

Filing Description:

We are filing a new homeowner product with the State of New Hampshire. We are an affilate of ISO and are filing an

adoption of the ISO forms approved in New Hampshire with exceptions and additional forms.

State Narrative:

Company and Contact

Filing Contact Information

Rick Hartschuh, Product Manager [email protected]

P O Box 111 419-563-0984 [Phone]

Bucyrus, OH 44820 877-493-9021 [FAX]

Filing Company Information








Casco Indemnity Company CoCode: 25950 State of Domicile: Maine

42 Industrial Park Road Group Code: Company Type: Property &

Casualty

Saco, ME 04072 Group Name: State ID Number:

(800) 346-0026 ext. [Phone] FEIN Number: 01-0407315

---------

Filing Fees

Fee Required? Yes

Fee Amount: $20.00

Retaliatory? Yes

Fee Explanation:

Per Company: Yes

COMPANY AMOUNT DATE PROCESSED TRANSACTION #

Casco Indemnity Company $20.00 12/02/2011 54216569

State Specific

Have you viewed and complied with New Hampshire's General Instructions and Filing Requirements (Yes/No)? *Failure

to comply will result in a filing rejection and require resubmission.: Yes








Correspondence Summary

Dispositions

Status Created By Created On Date Submitted

Approved Gail Matson 03/06/2012 03/06/2012

Objection Letters and Response Letters

Objection Letters Response Letters

Status Created By Created On Date Submitted Responded By Created On Date Submitted

Filing will

be

Disapprove

d if reply is

not

received by

the 10th

business

day

Gail Matson 02/23/2012 02/23/2012 Rick Hartschuh 03/06/2012 03/06/2012

Filing will

be

Disapprove

d if reply is

not

received by

the 10th

business

day


Filing will

be

Disapprove

d if reply is









not

received by

the 10th

business

day

Amendments

Schedule Schedule Item Name Created By Created On Date Submitted

Form Application Rick Hartschuh 01/10/2012 01/10/2012

Form Declaration Pages Rick Hartschuh 01/10/2012 01/10/2012

Form Invoice Example Rick Hartschuh 01/10/2012 01/10/2012

Form Cancellation Insureds Request Rick Hartschuh 01/10/2012 01/10/2012

Form Cancellation Notice Rick Hartschuh 01/10/2012 01/10/2012

Form Non-Pay Final Notice Rick Hartschuh 01/10/2012 01/10/2012

Form Non-Renewal Notice Rick Hartschuh 01/10/2012 01/10/2012

Form Pending Non-Pay Cancellation Rick Hartschuh 01/10/2012 01/10/2012

Form Reinstatement Notices Rick Hartschuh 01/10/2012 01/10/2012

Form Company Information Privacy Act Rick Hartschuh 01/10/2012 01/10/2012

Form Consumer Disclosure Rick Hartschuh 01/10/2012 01/10/2012

Filing Notes

Subject Note Type Created By Created

On

Date Submitted

exotic animals Note To Filer Gail Matson 02/22/2012 02/22/2012

Objection IL UO 27, Exotic Animals

ExclusionNote To Reviewer Rick Hartschuh 01/26/2012 01/26/2012

Call Reviewer Note Gail Matson 03/01/2012

Conference call Reviewer Note Gail Matson 01/25/2012








Disposition

Disposition Date: 03/06/2012

Effective Date (New): 03/06/2012

Effective Date (Renewal): 03/06/2012

Status: Approved

Comment:

Rate data does NOT apply to filing.








Schedule Schedule Item Schedule Item Status Public Access

Supporting Document Filing Memorandum Yes

Supporting Document NH Retaliatory Fees Yes

Supporting Document (revised) Underwriting Guidelines-Personal Lines

Rate FilingsYes

Supporting Document Underwriting Guidelines-Personal Lines

Rate FilingsYes

Supporting Document Objection #2 - Portable Tools

Guidelines_Rules Yes

Supporting Document Objection # 6 and # 9 - Fees Yes

Supporting Document Objection # 14 - GU 6784 Yes

Supporting Document Objection #10 - HO 03 18 Yes

Supporting Document Objection #11 - Direct Bill Installment

Fees Yes

Supporting Document Objection # 21 - OM 00 48 - Specific

Structures Rules Page Yes

Supporting Document Objection # 38 - Farm Rules Yes

Form (revised) Recreational Motor Vehicle Liability Completed Review Yes

Form Uninsured/Underinsured Motorists

Coverage for Recreational Motor VehiclesWithdrawn Yes

Form (revised) General Endorsement Withdrawn Yes

Form (revised) Recreational Vehicles/Snowmobiles

(Physical Damage)Completed Review Yes

Form Boats and Motors (Physical Damage) Completed Review Yes

Form (revised) Mobilehome Lienholder's Single Interest Completed Review Yes

Form Mobile/Manufactured Home EndorsementCompleted Review Yes

Form Asbestos and Silica Exclusion Withdrawn Yes

Form Home Computer Endorsement Completed Review Yes

Form Functional Replacement Cost Loss

SettlementCompleted Review Yes

Form Specific Structures on Residence

PremisesCompleted Review Yes

Form Other Structures Exclusion Completed Review Yes

Form Waterbed Liability Completed Review Yes

Form (revised) Amendatory Endorsement - HMS Completed Review Yes

Form Amendment of Insuring Agreement -

Known Injury or DamageCompleted Review Yes








Form Water Back-Up and Sump Discharge or

OverflowCompleted Review Yes

Form Back-Up of Sewers or Drains Completed Review Yes

Form Identity Fraud Expense Coverage Completed Review Yes

Form (revised) Other Members of Your Household Completed Review Yes

Form (revised) Watercraft Liability Completed Review Yes

Form (revised) Volunteer Wronful Acts Coverage Completed Review Yes

Form (revised) Inland Marine Terms Completed Review Yes

Form Broad Form Installation Coverage Completed Review Yes

Form Jewelry Deductible Completed Review Yes

Form Gun Coverage Completed Review Yes

Form Wedding Present Coverage Completed Review Yes

Form (revised) Limited Theft coverage - Reduction in

CoverageCompleted Review Yes

Form (revised) Named Peril Coverage - Musical

Instruments, Reduction in Coverage Completed Review Yes

Form Farm Machinery Blanket Coverage Completed Review Yes

Form Scheduled Livestock Coverage Completed Review Yes

Form Optional Livestock Perils Coverage Completed Review Yes

Form Livestock Coverage Completed Review Yes

Form Scheduled Property Coverage Completed Review Yes

Form (revised) Schedule Property Coverage - Named

Peril, Reduction in CoverageCompleted Review Yes

Form Personal Articles Coverage Withdrawn Yes

Form Personal Property Coverage Completed Review Yes

Form Fur Depreciation Completed Review Yes

Form Jewelry in Vaults Completed Review Yes

Form Sports Equipment Coverage Completed Review Yes

Form Satellite Dish Coverage Completed Review Yes

Form Farm Machinery Scheduled Coverage Completed Review Yes

Form (revised) Portable Tools Coverage - Named Peril Completed Review Yes

Form MastersOne Completed Review Yes

Form MastersTwo Completed Review Yes

Form MastersThree Completed Review Yes

Form MastersFour Completed Review Yes

Form Service Line Coverage Completed Review Yes








Form Equipment Breakdown Coverage Completed Review Yes

Form (revised) Exotic Animal Exclusion Withdrawn Yes

Form Portable Tools Coverage Completed Review Yes

Form Additional Limits of Liability Coverage A,

B, C, DCompleted Review Yes

Form Named Storm Deductible Completed Review Yes

Form Personal Property Replacement Cost

Loss SettlementCompleted Review Yes

Form Application Completed Review Yes

Form Declaration Pages Work-In-Progress Yes

Form Invoice Example Completed Review Yes

Form (revised) Consumer Disclosure Completed Review Yes

Form Cancellation Insureds Request Completed Review Yes

Form Cancellation Notice Completed Review Yes

Form Non-Pay Final Notice Completed Review Yes

Form Non-Renewal Notice Completed Review Yes

Form Pending Non-Pay Cancellation Completed Review Yes

Form Reinstatement Notices Completed Review Yes

Form Company Information Privacy Act Completed Review Yes

Form Recreational Motor Vehicle Liability Withdrawn Yes

Form Recreational Motor Vehicle Liability Withdrawn Yes

Form General Endorsement Withdrawn Yes

Form Recreational Vehicles/Snowmobiles

(Physical Damage)Withdrawn Yes

Form Mobilehome Lienholder's Single Interest Withdrawn Yes

Form Amendatory Endorsement - HMS Withdrawn Yes

Form Other Members of Your Household Withdrawn Yes

Form Watercraft Liability Withdrawn Yes

Form Volunteer Wronful Acts Coverage Withdrawn Yes

Form Inland Marine Terms Withdrawn Yes

Form Limited Theft coverage Withdrawn Yes

Form Named Peril Coverage - Musical

InstrumentsWithdrawn Yes

Form Schedule Property Coverage - Named

PerilWithdrawn Yes

Form Portable Tools Coverage - Named Peril Withdrawn Yes








Form Exotic Animal Exclusion Withdrawn Yes

Form Consumer Disclosure Withdrawn Yes








Objection Letter

Objection Letter Status Filing will be Disapproved if reply is not received by the 10th business day

Objection Letter Date 02/23/2012

Submitted Date 02/23/2012

Respond By Date 03/07/2012

Dear Rick Hartschuh,

After review of this filing, we have the following question(s)/comment(s).

Objection 1

- Underwriting Guidelines-Personal Lines Rate Filings (Supporting Document)

Comment: The following was copied from your response to underwriting guidelines objection: "Under our current Ohio

homeowner's program we do allow secondary and seasonal homes to be written under the homeowner's as long as we

have the primary home." This is contrary to NH RSA 417:4 VIII (e)

Objection 2


Comment: item I Prohibited risks 4 is contrary to NH RSA 417:4 VIII (e)

Objection 3

- Recreational Motor Vehicle Liability, CP 164, 01-12 (Form)

Comment: Exclusion A1-No liability policy issued or delivered in this state shall contain any exclusion which would

preclude coverage for intra-family or inter-spousal claims. RSA 412:5 II

Objection 4

- General Endorsement, GU 6784, 02-84 (Form)

Comment: The form still conflicts with NH RSA 412:5 I. The department does not approve of manuscripting language in

a policy. In reading your response to our original objection, the department does permit a consent to rate or an

individual risk filing, which requires submission to the department for approval. The information on this is available on

our website. Please withdraw this form. The consent to rate or individual risk filing have specific forms.

I have pasted the information from our website here for you.

Property & Casualty > Consent to Rate & Individual Risk Filing

Completion information of Consent to Rate & Individual Risk Forms

The New Hampshire Insurance Department has standardized the Consent to Rate & Individual Risk filing forms.








For all fire and certain casualty lines, both personal and commercial (classes of insurance which may be written under

RSA 401:I, II, V, VI & VII) whenever a rate or form is used that is not on file with the New Hampshire Insurance

Department, the insurer must complete and submit either:

Consent to Rate Form – RSA 412:16 X

Individual Risk Form – RSA 412:5

These forms must be signed by the policyholder.

This information must be provided by electronically submitting a confidential SERFF Filing. To speed handling, the filing

should be noted as being submitted as an individual risk filing.

Objection 5

- Inland Marine Terms, IM 100-NH, 01-12 (Form)

Comment: These questions were not answered in your response to the original objection. What happens when

coverage supplied by the base policy covering the same property as listed on this form? It appears to provide duplicative

coverage.

Objection 6

- Jewelry Deductible, IM-175-5, 08-84 (Form)

Comment: Please verify when this form is applied it supersedes the jewelry coverage and deductible found in the base

policy? If so please advise is a premium credit applied to the portion of the base policy pertinent to this coverage? The

above questions were not addressed in your response. Please respond to the questions.

Objection 7

- Limited Theft coverage, IM-458-1, 01-87 (Form)

- Named Peril Coverage - Musical Instruments, IM-664-10, 09-87 (Form)

- Schedule Property Coverage - Named Peril, IM 902, 02-85 (Form)

Comment: The use of the Inland marine in conjunction with regular HO forms creates a reduction of coverage from that

provided in base HO policy. There must be some indication that the coverage forms chosen result in a reduction of

coverage from the base HO policy. You may revise the forms, just under the title to indicate this reduction of coverage or

insert a signature line for the insured to adequately address the issue of proper notification. if there are other forms in

this filing that have a similar result, we require the same revision to them .

Objection 8

- Farm Machinery Blanket Coverage, IM 851, 06-84 (Form)








- Scheduled Livestock Coverage, IM 860, 06-84 (Form)

- Optional Livestock Perils Coverage, IM-860-5, 06-84 (Form)

- Livestock Coverage, IM 861, 06-84 (Form)

- Farm Machinery Scheduled Coverage, IMU 850, 12-89 (Form)

Comment: The rules supplied in response to our original objection reference incidental farm forms HO 24 72 and HO 04

13 the rules do not address these forms nor do they appear limited to incidental farming as previously noted. Please

revisit the original objection.

Review will continue when we receive your reply. In the absence of any response, by the Respond-By-Date noted

above, this filing will be disapproved. Extensions will not be granted without good cause shown, RSA 400-A:16 II.

Sincerely,

Gail Matson

-








Response Letter

Response Letter Status Submitted to State

Response Letter Date 03/06/2012


Dear Gail Matson,

Comments:

Please find our responses and corrected forms below.

Response 1Comments: We have changed our guidelines and removed from the prohibited list secondary/seasonal homes. As we

discussed we have included in the guidelines that the secondary/seasonal home needs prior underwriting approval and

that it cannot be rented out. We have removed the guideline requiring the supporting primary coverage. Attached is the

revised guideline.

Related Objection 1

Applies To:

Underwriting Guidelines-Personal Lines Rate Filings (Supporting Document)

Comment:

The following was copied from your response to underwriting guidelines objection: "Under our current Ohio

homeowner's program we do allow secondary and seasonal homes to be written under the homeowner's as long

as we have the primary home." This is contrary to NH RSA 417:4 VIII (e)

Changed Items:

Supporting Document Schedule Item Changes

Satisfied -Name: Underwriting Guidelines-Personal Lines Rate Filings

Comment:

No Form Schedule items changed.

No Rate/Rule Schedule items changed.

Response 2Comments: This was also requiested to be changed by Dave Withers on our rules and rates filing. We had made the

changes to reflect that Protection Class 10 is not prohibited, but would be treated the same as Protection Class 9. This

-

-








change was approved under SERFF Filing 127853341. Attached is the revised Underwriting Guideline.

Related Objection 1

Applies To:


Comment:

item I Prohibited risks 4 is contrary to NH RSA 417:4 VIII (e)

Changed Items:

No Supporting Documents changed.



Response 3Comments: We have revised the CP 164 endorsement and removed the exclusion which would preclude coveage for

intra-family or inter-spousal claims.

Related Objection 1

Applies To:

Recreational Motor Vehicle Liability, CP 164, 01-12 (Form)

Comment:

Exclusion A1-No liability policy issued or delivered in this state shall contain any exclusion which would preclude

coverage for intra-family or inter-spousal claims. RSA 412:5 II

Changed Items:


Form Schedule Item Changes

Form Name Form

Number

Edition

Date

Form Type Action Action

Specific

Data

Readability

Score

Attach

Document

Recreational Motor

Vehicle Liability

CP 164 01-12 Endorsement/Amendment

/Conditions

Replaced CP-164-

NH (01-








12)

Recreatio

nal Motor

Vehicle

Liability

Endorsem

ent

(NH).pdf

Previous Version

Recreational Motor

Vehicle Liability


/Conditions

Replaced CP-164

(07-10)

Recreatio

nal Motor

Vehicle

Liability

Endorsem

ent.pdf

CP-164

Recreatio

nal Motor

Vehicle

Liability -

NH.pdf

Recreational Motor

Vehicle Liability


/Conditions

New CP-164

(07-10)

Recreatio

nal Motor

Vehicle

Liability

Endorsem

ent.pdf


Response 4

-








Comments: This form is withdrawn. If we have need to adjust a particular form or rate we will use the forms suggested

by New Hampshire: Consent to Rate Form and Individual Risk Form. These will be filed as required if being used.

Related Objection 1

Applies To:

General Endorsement, GU 6784, 02-84 (Form)

Comment:

The form still conflicts with NH RSA 412:5 I. The department does not approve of manuscripting language in a

policy. In reading your response to our original objection, the department does permit a consent to rate or an

individual risk filing, which requires submission to the department for approval. The information on this is available

on our website. Please withdraw this form. The consent to rate or individual risk filing have specific forms.

I have pasted the information from our website here for you.

Property & Casualty > Consent to Rate & Individual Risk Filing

Completion information of Consent to Rate & Individual Risk Forms

The New Hampshire Insurance Department has standardized the Consent to Rate & Individual Risk filing forms.

For all fire and certain casualty lines, both personal and commercial (classes of insurance which may be written

under RSA 401:I, II, V, VI & VII) whenever a rate or form is used that is not on file with the New Hampshire

Insurance Department, the insurer must complete and submit either:

Consent to Rate Form – RSA 412:16 X

Individual Risk Form – RSA 412:5

These forms must be signed by the policyholder.

This information must be provided by electronically submitting a confidential SERFF Filing. To speed handling, the

filing should be noted as being submitted as an individual risk filing.

Changed Items:



-








Form Name Form

Number

Edition

Date


Specific

Data

Readability

Score

Attach

Document

General Endorsement GU 6784 02-84 Endorsement/Amendment

/Conditions

Withdrawn

Previous Version

General Endorsement GU 6784 02-84 Endorsement/Amendment

/Conditions

New GU-6784

(02-84)

General

Endorsem

ent 03-06-

04.pdf


Response 5Comments: The IM 100-NH is a form that is attached to the policy if the insured has elected to write a particular

coverage on one of the Inland Marine options what we have filed. The IM 100-NH provides for Inland Marine General

Terms and Policy Conditions.

If a particular item is listed on one of the inland marine forms it is no longer covered under the base policy form. Please

refer to the forms HO 00 02; HO 00 03; HO 00 04; HO 00 05; and HO 00 06 under Section I Property Coverages,

Coverage C - Personal Property item 4.a. Property not covered: It indicates that articles seperately described and

specifically insured, regardless of the limit for which they are insured, in this or other insurance is not covered.

Therefore if an item is covered under the inland marine form it is no longer covered under the base policy as indicated

by the ISO base dwelling forms and there would be no duplicate coverage. This form is attached and would apply for

the inland marine terms, items and conditions.

Related Objection 1

Applies To:

Inland Marine Terms, IM 100-NH, 01-12 (Form)

Comment:

These questions were not answered in your response to the original objection. What happens when coverage

supplied by the base policy covering the same property as listed on this form? It appears to provide duplicative

coverage.

-








Changed Items:




Response 6Comments: This form is attached only if jewelry is scheduled on an inland marine coverage. If the jewelry is scheduled

on the inland marine coverage than the base policy does not apply as indicated under Coverage C - Personal Property

Item 4.a in the base policy. The deductible provision in the ISO HO forms indicates that unless otherwise noted in this

policy, the following deductilbe provision applies, since this endorsement IM-175-5 could be attached to the policy it

would supercede the policy deductible because it would be otherwise noted in this policy. Since the sceduled jewelry is

no longer covered under the base policy if scheduled, the deductible credits apply to the particular jewelry item that is

scheduled. The credits apply as indicated before and again here: Factor and credit are shown in () $100 (1.00) $250

(.92 - 8%); $500 (.83 - 17%); $750 (.79 - 21%); $1,000 (.75 - 25%); $1500 (.73 - 27%); $2,000 (.72 -28%); $2500 (.71 -

29%); $5,000 (.69 - 31%) $7500 (.65 - 35%) and $10000 (.60 - 40%).

Related Objection 1

Applies To:

Jewelry Deductible, IM-175-5, 08-84 (Form)

Comment:

Please verify when this form is applied it supersedes the jewelry coverage and deductible found in the base

policy? If so please advise is a premium credit applied to the portion of the base policy pertinent to this coverage?

The above questions were not addressed in your response. Please respond to the questions.

Changed Items:




Response 7

-

-

-








Comments: I have revised the forms and indicated in the title that it is a reduction in coverage. That way the insured will

be informed of this if they select this optional coverage. The revised forms have been attached.

I have also updated the PTF-1 Named Peril Coverage for Portable Tools and revised it to be state specific. The form

will now be PTF-1-NH (01-12) and it also shows in the title Reduction in Coverage since coverage is on a named peril

basis.

Related Objection 1

Applies To:

Limited Theft coverage, IM-458-1, 01-87 (Form)

Named Peril Coverage - Musical Instruments, IM-664-10, 09-87 (Form)

Schedule Property Coverage - Named Peril, IM 902, 02-85 (Form)

Comment:

The use of the Inland marine in conjunction with regular HO forms creates a reduction of coverage from that

provided in base HO policy. There must be some indication that the coverage forms chosen result in a reduction

of coverage from the base HO policy. You may revise the forms, just under the title to indicate this reduction of

coverage or insert a signature line for the insured to adequately address the issue of proper notification. if there

are other forms in this filing that have a similar result, we require the same revision to them .

Changed Items:



Form Name Form

Number

Edition

Date


Specific

Data

Readability

Score

Attach

Document

Limited Theft coverage

- Reduction in

Coverage

IM-458-1-

NH

01-12 Endorsement/Amendment

/Conditions

Replaced IM-458-1-

NH (01-

12)

Reduction

in

Coverage

- Limited

Theft

(NH).pdf

Previous Version








Limited Theft coverage IM-458-1 01-87 Endorsement/Amendment

/Conditions

New IM-458-1

(01-87)

Limited

Theft

Coverage

(CSC)

chg'd 06-

13-05.pdf

Named Peril Coverage

- Musical Instruments,

Reduction in Coverage

IM-664-

10-NH


/Conditions

Replaced IM-664-

10-NH

(01-12)

Musical

Instrument

s

Coverage

Reduction

in

Coverage

to Named

Preils.pdf

Previous Version

Named Peril Coverage

- Musical Instruments

IM-664-10 09-87 Endorsement/Amendment

/Conditions

New IM-664-10

(12-89)

Named

Peril

Coverage

for

Musical

Instrum…

(Point).pdf

Schedule Property

Coverage - Named

Peril, Reduction in

Coverage

IM-902-

NH


/Conditions

Replaced IM-902-

NH (01-

12)

Scheduled

Property

Coverage








Named

Peril

(NH).pdf

Previous Version

Schedule Property

Coverage - Named

Peril

IM 902 02-85 Endorsement/Amendment

/Conditions

New IM-902

(02-85)

Scheduled

Property

Coverage

Named

Peril (PL

still uses -

CL see IM

7500 and

GU-6784 -

Point).pdf

Portable Tools

Coverage - Named

Peril

PTF 1-NH 01 -12 Endorsement/Amendment

/Conditions

Replaced PTF-1

(12-89)

Portable

Tools and

Equipment

Coverage

- Named

Peril (PL

still uses -

CL see IM

7003 and

GU-6784 -

Point).pdf

PTF-1-NH

(01-12)

Portable

Tools and

Equipment

Coverage

Named

-

-

-

-

-








Peril

(HMS-

NH).pdf

Previous Version

Portable Tools

Coverage - Named

Peril

PTF 1 12-89 Endorsement/Amendment

/Conditions

New PTF-1

(12-89)

Portable

Tools and

Equipment

Coverage

- Named

Peril (PL

still uses -

CL see IM

7003 and

GU-6784 -

Point).pdf


Response 8Comments: We have added to the Personal Lines Guidelines letter R. This deals with the Optional Farm Inland Marine

endorsements and gives general guidelines as to when these endorsements can be used. They now require that the

item scheduled should be located on the insured premises. We have also put limitations of $25000 for the farm

machinery total and the livestock total. These limits would keep the exposures to incidental compared to a full-time

farmer. We offer in Ohio a farmowner program that typically insures limits much higher for total farm machinery and

livestock in that program; we feel the $25,000 limit would be incidental.

The revised guideline is attached with Ojbection #1 please refer there for the guidelines then refer to Page 11.

Related Objection 1

Applies To:

Farm Machinery Blanket Coverage, IM 851, 06-84 (Form)

Scheduled Livestock Coverage, IM 860, 06-84 (Form)

Optional Livestock Perils Coverage, IM-860-5, 06-84 (Form)

Livestock Coverage, IM 861, 06-84 (Form)

Farm Machinery Scheduled Coverage, IMU 850, 12-89 (Form)








Comment:

The rules supplied in response to our original objection reference incidental farm forms HO 24 72 and HO 04 13

the rules do not address these forms nor do they appear limited to incidental farming as previously noted. Please

revisit the original objection.

Changed Items:




Hopefully these resolve all your questions/concerns. Let me know if there is anything else that you need. Thank-you.

Sincerely,

Rick Hartschuh








Objection Letter







Objection 1

- Exotic Animal Exclusion, IL UO 27, 01-12 (Form)

Comment: As noted in our telephone conversation of 1/19/12, this item was marked for the objection letter but the

comment did not make it into the original correspondence.

The issue of exotic animals or unacceptable exposures must be addressed through proper underwriting with filed and

approved underwriting eligibility guidelines rather than the use of sweeping exclusions.

Canine or animal liability may be excluded from a liability contract (policy) via endorsement, but not on a broad or

blanket basis (RSA 412:1 X and RSA 412:5 I - not a public good). The exclusion must be limited to an identified animal

(requires animal’s name and breed). This type of exclusion requires a signature of a Named Insured on the

endorsement to indicate that the insured is aware of this restriction.



Sincerely,

Gail Matson








Response Letter




Dear Gail Matson,

Comments:

Please see our response below.

Response 1Comments: We will with draw this form.

We will not re-do the form to allow for a certain exotic animal identified by breed and name to be excluded as we are not

sure such an endorsement would hold up in court. Also it creates issue if we have one exotic animal exluded and the

insured purchases another, we believe we would have to go through the steps to obtain another signature on a new

exclusion.

Our guidelines clearly indicate that accounts with vicious or aggressive animals, exotic, or non-domesticated animals

are prohibited. Therefore we would not be writing any accounts if we knowingly are aware of these animals.

New Hampshire law indicates that it is unlawful for persons to possess exotic animals, such a felines, bears, wolves,

poisonous reptiles, and non-human primates, unless they are exhibitors. If the insured does not have the appropriate

permits they would be committing an illegal act and therefore not sure if the policy would respond as they were not

"legally liabile" as what they were doing was illegal, this would require a court of law to decide.

The ISO HO 01 28 allows for cancellation of the policy if discovery of fraud or material misrepresentation by the named

insured is pursuing a claim under the policy; discovery of grossly negligent acts or omissions by the insured substantially

increasing any of the hazards insured against; or physicall changes in the insured property which result in the property

becoming uninsurable (building cages and pens to house these animals could result in physical changes increasing the

hazards).

If we become aware of an account with these animals we will proceed with the appropriate notices of cancellations and

or non-renewal with the appropriate days, this may also include a mid-term cancellation.

Related Objection 1

Applies To:

-








Exotic Animal Exclusion, IL UO 27, 01-12 (Form)

Comment:

As noted in our telephone conversation of 1/19/12, this item was marked for the objection letter but the comment

did not make it into the original correspondence.

The issue of exotic animals or unacceptable exposures must be addressed through proper underwriting with filed

and approved underwriting eligibility guidelines rather than the use of sweeping exclusions.

Canine or animal liability may be excluded from a liability contract (policy) via endorsement, but not on a broad or

blanket basis (RSA 412:1 X and RSA 412:5 I - not a public good). The exclusion must be limited to an identified

animal (requires animal’s name and breed). This type of exclusion requires a signature of a Named Insured on the

endorsement to indicate that the insured is aware of this restriction.

Changed Items:



Form Name Form

Number

Edition

Date


Specific

Data

Readability

Score

Attach

Document

Exotic Animal ExclusionIL UO 27 01-12 Endorsement/Amendment

/Conditions

Withdrawn

Previous Version

Exotic Animal ExclusionIL UO 27 01-12 Endorsement/Amendment

/Conditions

New IL UO 27

(01-12)

Exotic

Animals

Exclusion

(BPCPPF

OFUMHO

PUMTNC)

.pdf


Sincerely,








Rick Hartschuh








Objection Letter







Objection 1

Comment: Due to the number of issues identified in the filing, we suggest that this filing be withdrawn in order to allow

you sufficient time to make the adjustments that are necessary to bring this closer to the requirements of our rules and

statutes and allow for proper review. After having researched NHID filing rules, statutes and requirements, you may

submit a revised filing, which will likely result in a faster review and disposition.

Objection 2

- Portable Tools Coverage, PTF 2, 01-91 (Form)

- Portable Tools Coverage - Named Peril, PTF 1, 12-89 (Form)

Comment: Please advise when this form would be applied. The filing is coded to personal lines types of insurance. This

form appears to be a commercial use form. Business exposure in personal lines is limited to incidental business

activities. Please provide the form rules verifying the limitation to incidental use of remove the form from the filing.

Objection 3

- Declaration Pages , , (Form)

Comment:

References RSA 405:17-b & RSA 402-J:14 V.

Insurers must be able to verify that policies issued to NH consumers have been issued through a producer who is

licensed and appointed to transact business in NH. Verification of involvement can be in the form of a signature (written

or electronic) by the producer, or an alternative method of tracking and documenting that involvement in a manner which

identifies the specific individual involved in the transaction. Insurers must be able to provide this verification upon

request of the Commissioner. Please identify your method of compliance with the statutes, or insert a signature line on

the form for our review.

Objection 4

- MastersTwo, OM 10 20, 01-12 (Form)

Comment: Item 21 NH does not permit fuel escape exclusions. (RSA 412:1 X and RSA 412:5 I - not a public good)

Please note ISO Persoanl Lines Manuals Rule 616 relative to limited coevrage or excluded coverage for escaped liquid








fuel are not applicable in NH.

Please withdraw the item from the form

Objection 5

- MastersThree, OM 10 30, 01-12 (Form)

- MastersFour, OM 10 40, 01-12 (Form)

Comment: Item 25 NH does not permit fuel escape exclusions. NH does not permit fuel escape exclusions. (RSA 412:1

X and RSA 412:5 I - not a public good) Please note ISO Persoanl Lines Manuals Rule 616 relative to limited coevrage

or excluded coverage for escaped liquid fuel are not applicable in NH.


Objection 6

- Invoice Example , , (Form)

Comment: The fees identified on this form must be part of a filed and approved rate filing. Please provide the SERFF

filing number and the corresponding rate and/or rate/rule that outlines the fees being charged on this form.

Objection 7

- Consumer Disclosure, , (Form)

Comment: While the form does not specify the score is not the best score, the section disclosing the factors that most

affected the score which may be disputed result in the notice being applied to an adverse action notification. The form is

missing Nh Rule 3309.02 (a)1 and (a) 4.

Objection 8

- Equipment Breakdown Coverage, HO 09 98, 01-12 (Form)

Comment: Property: Section I - The New Hampshire Insurance Department permits pollution coverage to be limited to

those losses caused by Named Perils as found under coverage C.

Liability: Section II - Pollution exclusions are not permitted (RSA 412:1 X and RSA 412:5 I - not a public good).

In addition, expanded definitions of pollution will not be permitted as it reduces coverage which is contrary to the public

good per RSA 412:1 X and RSA 412:5 I.

Item 20 must be revised. You may not sub limit pollution losses that stem from a covered peril as outlined in Section I

to $3,000. For pollution losses under Section I that do not stem from named perils as found under coverage C you

may provide a sublimit of $3,000.

Objection 9








- Cancellation Insureds Request , , (Form)

- Cancellation Notice , , (Form)

- Non-Pay Final Notice , , (Form)

- Non-Renewal Notice , , (Form)

- Pending Non-Pay Cancellation , , (Form)

Comment: Billing terms and methods of payment sections reference fees applicable to the policyholder. The fees must

be part of a filed and approved rate filing. Please provide the SERFF filing number which outlines the fees noted in this

form.

Objection 10

- Named Storm Deductible, HO 03 18, 01-12 (Form)

Comment: There are a number of elements of this form that are a cause of concern:

1. The potential for selectivity of application by location and coverage.

2. This form imposes a separate tier of deductible that poses a potential element of ambuguity/confusion to the

application of coverage for the insured.

3. While this deductible does not replace existing deductibles, it supercedes them, not only in regard to wind for which

there is a separate deductible endorsement, but all other covered causes of loss as well, including fire and lightning.

Some of the connection of this form to other causes of loss being is tenuous at best. What is the difference between a

lightning strike in a Named Storm versus a severe thunderstorm?

The potential for confusion of coverage, selectivity of application, and broad application to coverage in general is not

deemed to be in the best interest of the consumer. Please withdraw this form. RSA 412:5 I and, potentially, RSA 417:4.

Objection 11


Comment: The underwriting guidelines reference a manual : "(See Manual for complete details)". Please provide a copy

of the manual.

Occupancy is limited to 1 or 2 family owner occupied residences. NH RSA 417-B personal lines is defined as 1 to 4

family owner occupied. Please advise how the 2 family limitation complies with the statute. Where are the 3 and 4 owner

occupied residences are covered since non owner occupied or more than 4 units is considered commercial?

Please explain why seasonal and secondary homes are not eligible for coverage.

Protection class the first two bullets are contrary to NH RSA 417:4 VIII(e).

Prohibited risks the fifth bullet is contrary to NH RSA 417:4 VIII(e).








Page 7 Prohibited risks Item I 1, and I 4 are contrary to NH RSA 417:4 VIII(e).

Item Q Direct bill -Installment fees are not to be applied to the initial or deposit premium payment of a company

installment payment plan. Exception - Automated billing plans - installment fees may be applied to all installments,

including the initial installment for subsequent year policies.

Please provide the SERFF filing number for the filed and approved Rate filing which includes the installment premium

payment plan and associated fees.

Objection 12

- Recreational Motor Vehicle Liability, CP 164, 07-10 (Form)

Comment: Exclusion A2 requires revision. No liability policy issued or delivered in this state shall contain any exclusion

which would preclude coverage for intra-family or inter-spousal claims. RSA 412:5 II

Objection 13

- Uninsured/Underinsured Motorists Coverage for Recreational Motor Vehicles, A 119, 12-05 (Form)

Comment: Currently many recreational vehicle policies are stand alone policies. Prior to the availability of these newer

stand alone policies it was common practice to add liability coverage for boats, snowmobiles, or recreational vehicles via

endorsement. This form deviates significantly from the practice previously described as UM/UIM coverage is not

normally attached to a homeowners policy. UM/UIM coverage has a causal connection to motor vehicle policies, and the

stand alone types of policies for boats, snowmobiles and recreational vehicles The homeowner policy should not

approximate a motor vehicle policy which has very specific requirements in NH. Please remove the UM/UIM form or

provide sufficient information to adequately justify its connection to a Homeowner's Policy.

Objection 14

- General Endorsement, GU 6784, 02-84 (Form)

Comment:

This is a blank endorsement. Please clarify your intent in use of the endorsement.

NHID must review and approve all language that is to be used per RSA 412:5 I. This endorsement can not be used to

create policy language or terms that serves to restrict, broaden or impede coverage.

Objection 15

- Recreational Vehicles/Snowmobiles (Physical Damage), HO 77, 03-90 (Form)

Comment: Item 6 if the conversion or embezzlement is not perpetrated by persons other than the insured, coverage

should apply for the insured as the insured has sustained loss that is outside of his control. The insured should not be

barred from coverage for the illegal or criminal acts of a third party.

Objection 16

- Mobilehome Lienholder's Single Interest, MH 00 27, 09-04 (Form)








Comment: The coverage described is not pertinent to a homeowners policy which covers the homeowners interests.

The form falls under credit personal property 28.2001. Please remove it and submit the form under the appropriate line

of insurance.

Objection 17

- Asbestos and Silica Exclusion, ML 146, 01-05 (Form)

Comment: Asbestos and Silica Exclusions are not permitted on personal lines policies. ( NH RSA 412:5 I - Not a public

good)

Objection 18

- Asbestos and Silica Exclusion, ML 146, 01-05 (Form)

Comment: The form is titled Asbestos and Silica Exclusion with a form number listed as ML 146 01-05. Upon opening

the form, the form has a different form number and title than the asbestos and silica exclusion as stated in the forms tab.

Please attach the intended form and have the form number and title match the one attached in the forms tab.

Objection 19

- Home Computer Endorsement, ML 170, 01-86 (Form)

Comment: Please advise when and why this form is attached. Home computers are a commonly owned item and

routinely covered under Coverage C section (contents) on a homeowners policy. The form appears to provide

duplicative coverage. What does this form provide that is lacking in the contents portion of the base policy?

Objection 20

- Amendatory Endorsement - HMS, OM 01 02, 01-12 (Form)

Comment: Item J -The New Hampshire Insurance Department requires representation vs warranty (individual guaranty)

language under the premise that the person signing the form may not have first-hand knowledge of all information that

must be provided. That person can not, therefore, be expected to warrant what is known by another person other than

“to the best of their knowledge”. The intent of the insured is critical and must be reflected in any clause of this nature.

Please reference ISO Form CG 26 55 11 08 for one possible language option.

Objection 21

- Specific Structures on Residence Premises, OM 00 48, 09-04 (Form)

Comment: Structures other than the dwelling structure are routinely covered under the base policy- Other structures

(Coverage B). Coverage is provided on an all risk basis. This form reduces coverage form the traditional all risk basis to

a named peril basis, which results in coverage gaps that are detrimental for the insured. (NH RSA 412:5 I not a public

good).

Please explain when and why the form would be attached. Is a premium credit applied for its use? Please provide

adequate information to justify it benefit to the insured or remove it from the policy.








Objection 22

- Functional Replacement Cost Loss Settlement, OM 00 08, 06-09 (Form)

Comment: Please verify the form's use is limited to the insureds request.

Objection 23

- Other Members of Your Household, OM 04 58, 05-06 (Form)

Comment: The base homeowners policy routinely covers resident relatives (and their dependents 21 and younger) living

at the residence. It also includes coverage for full time students away at school limited to a certain age. We do not see

any reference made to full time students as noted above. If the form is not used it excludes coverage for resident

relatives and students which creates a coverage gap that is contrary to public policy and detrimental to the insured. (NH

RSA 412:5 I - Not a public good) Please explain the intent and application of this endorsement and why it is being

separated from the base policy. Is the endorsement mandatory?

Objection 24

- Other Members of Your Household, OM 04 58, 05-06 (Form)

Comment: Intentional loss must be revised. Concealment, Misrepresentation or Fraud provisions may not "void" the

entire policy, and coverage may not be denied to any insured(s) who had no knowledge of or participation in any

concealment, misrepresentation or fraud. One possible suggestion is for the wording to comply with NH Mandatory ISO

Endorsement IL 01 87.

Objection 25

- Watercraft Liability, OM 24 75, 10-01 (Form)

Comment: Exclusion 5 -Liability: Section II - Pollution exclusions are not permitted (RSA 412:1 X and RSA 412:5 I - not

a public good).

Objection 26


Comment: Exclusion 6 relative to the term "towed" It appears the intent is to exclude tubing or water skiing liability.

Please note that these are common exposures in watercraft liability. The exclusion of liability for such activity creates a

coverage gap that is contrary to public policy and detrimental to the insured. (RSA 412:1 X and RSA 412:5 I - not a

public good

Objection 27


Comment: Exclusion 8 The insured is responsible for minors up to the legally established "age of reason". A blanket

exclusion for all minors actions is contrary to public policy and detrimental to the insured. (RSA 412:1 X and RSA 412:5 I

- not a public good








Objection 28


Comment: Exclusion 16-No liability policy issued or delivered in this state shall contain any exclusion which would

preclude coverage for intra-family or inter-spousal claims. RSA 412:5 II

Objection 29

- Volunteer Wronful Acts Coverage, OM 24 80, 06-09 (Form)

Comment: Exclusion 15-Lead and/or lead paint exclusions are not permitted in any General or Personal Liability bodily

injury coverages, including Personal and Commercial Excess and Umbrella policies.

Objection 30


Comment: Exclusion 15 requires removal. Liability: Section II - Pollution exclusions are not permitted (RSA 412:1 X and

RSA 412:5 I - not a public good).

Objection 31


Comment: Exclusion #1requires further explanation. Please explain how a wrongful act does not result in a bodily injury,

property damage or personal injury? Liability coverage usually requires there to be bodily injury, property damage or

personal injury to a third party caused by the insured to trigger coverage. Please provide at least two examples wrongful

acts coverage that does not encompass bodily injury, property damage, or personal injury.

Objection 32

- Inland Marine Terms, IM 100, 06-84 (Form)

Comment: When and why would this form be attached to the base homeowners policy? The form does not specify what

personal belongings are being covered. What happens to the coverage supplied by the base policy covering the same

property? It appears to provide duplicative coverage. What coverage does this form provide that is not provided by the

base HO policy?

Objection 33


Comment: Continuous policies must be revised to comply with NH RSA 417-B:4 III

Objection 34


Comment: Other policy conditions item 4 -Concealment, Misrepresentation or Fraud provisions may not "void" the entire

policy, and coverage may not be denied to any insured(s) who had no knowledge of or participation in any concealment,

misrepresentation or fraud. One possible suggestion is for the wording to comply with NH Mandatory ISO Endorsement

IL 01 87.








Objection 35

- Jewelry Deductible, IM-175-5, 08-84 (Form)

Comment: Please verify when this form is applied it supersedes the jewelry coverage and deductible found in the base


Objection 36

- Gun Coverage, IM 212, 09-85 (Form)

Comment: Please verify when this form is applied it supersedes the gun coverage and deductible found in the base


Objection 37

- Limited Theft coverage, IM-458-1, 01-87 (Form)

- Named Peril Coverage - Musical Instruments, IM-664-10, 09-87 (Form)

Comment: Is there a premium credit applied for use of this form? It decreases coverage form what is supplied by the

base policy. is the form use optional at the insured request?

Objection 38

- Farm Machinery Blanket Coverage, IM 851, 06-84 (Form)

- Scheduled Livestock Coverage, IM 860, 06-84 (Form)

- Optional Livestock Perils Coverage, IM-860-5, 06-84 (Form)

- Livestock Coverage, IM 861, 06-84 (Form)

- Farm Machinery Scheduled Coverage, IMU 850, 12-89 (Form)

Comment: The forms appear suited to a commercial farming operation. It is not applicable to a personal lines exposure

which is limited to incidental business exposures. Please provide the form rules showing the form and eligibility are

limited to incidental farming exposures or withdraw the form.

Objection 39

- Scheduled Property Coverage, IM 901, 08-84 (Form)

Comment: When is the form applied? Is the form optional?

Objection 40

- Schedule Property Coverage - Named Peril, IM 902, 02-85 (Form)

Comment: is the form optional? When is it applied? Is there a premium credit when it is applied? The coverage on the

form decreases coverage from what is supplied under the base policy for personal property. Where is the notice of

reduction of coverage to the insured for the form use forms use?

Objection 41

- Personal Articles Coverage, IMU 175, 12-89 (Form)

Comment: The base policy has similar property with specific limitations listed. Please provide the form rules establishing

why this form would be used. What is the benefit to the insured to use this form versus the coverage supplied by the








base policy? Is there a premium credit applied to offset the cost of this form from the premium of the base policy

supplying similar coverage?

Objection 42

- Fur Depreciation, IMU 178, 10-93 (Form)

Comment: Is the form optional at the insured request?



Sincerely,

Gail Matson








Response Letter




Dear Gail Matson,

Comments:

We have reviewed the objections and responded accordingly.

Response 1Comments: Thank you for your comments, please see our responses to each of the objections.

Related Objection 1

Comment:

Due to the number of issues identified in the filing, we suggest that this filing be withdrawn in order to allow you

sufficient time to make the adjustments that are necessary to bring this closer to the requirements of our rules and

statutes and allow for proper review. After having researched NHID filing rules, statutes and requirements, you

may submit a revised filing, which will likely result in a faster review and disposition.

Changed Items:




Response 2Comments: The Portable tool endorsements are optional endorsements available to the insured to schedule portable

tools that they may own. These insureds may be carpenters, electricians, mechanics, or plumbers that might have to

purchase their equipment for their place of employment as their employer does not provide them with their tools. For

those individuals that are self-employed with their own business, they would not be eligible for this coverage as they

would need to purchase commercial insurance.

These endorsements can provide either named peril coverage (PTF-1) or Open Perils Coverage (PTF-2). For an

individual who has purchased an HO 00 02 or an HO 00 03 the PTF-2 is an option available to provide broader

-

-

-








coverage. There also are times that the insured may not want their policy deductible to aply as it is a large deductible;

for example a $1,000 on their homeowner's might mean they would never have coverage for the theft of any tools and

by purchasing this endorsement they can have a lower deductible. I have also enclosed the inland marine manual

pages that were filed with SERF OHMG-127969670 for your convenience to review.

Related Objection 1

Applies To:

Portable Tools Coverage - Named Peril, PTF 1, 12-89 (Form)

Portable Tools Coverage, PTF 2, 01-91 (Form)

Comment:

Please advise when this form would be applied. The filing is coded to personal lines types of insurance. This form

appears to be a commercial use form. Business exposure in personal lines is limited to incidental business

activities. Please provide the form rules verifying the limitation to incidental use of remove the form from the filing.

Changed Items:


Satisfied -Name: Objection #2 - Portable Tools Guidelines_Rules

Comment:



Response 3Comments: Our electronic application and system will require the producers name/and or code to record the producers

name who is licensed and appointed to transact business in New Hampshire. When the producer quotes and uploads

the application this pocess will require that they input their producer code which is associated with them. The same will

hold true for changes submitted in that they will need to indicate their producer code on the change and this will be

retained on our system.

Related Objection 1

Applies To:

Declaration Pages , , (Form)

Comment:

References RSA 405:17-b & RSA 402-J:14 V.

Insurers must be able to verify that policies issued to NH consumers have been issued through a producer who is

licensed and appointed to transact business in NH. Verification of involvement can be in the form of a signature

-








(written or electronic) by the producer, or an alternative method of tracking and documenting that involvement in a

manner which identifies the specific individual involved in the transaction. Insurers must be able to provide this

verification upon request of the Commissioner. Please identify your method of compliance with the statutes, or

insert a signature line on the form for our review.

Changed Items:




Response 4Comments: Please note that this particular coverage provided under this endorsement is a broadening of coverage not

an exclusion or llimitation of coverage. Also please note that this coverage is for Section I only it does not address or

alter the Section II Coverages provided by the policy.

The coverage provides for the clean-up of land or water on the insured's premieses for the escape of fuel oil. The base

policy does not provide this coverage for Section I Coverage as land and water are excluded under the definitions of

Coverage A and B. The loss is the result of a peril insured against and is providing the limit provided by the

endorsement for the clean-up of water and land; items not covered under the base policy.

Purchasing this endorsement provides broader coverage than provided by the homeowner's policy and would be a

benefit to the insured not a limitation and not against public good.

Related Objection 1

Applies To:

MastersTwo, OM 10 20, 01-12 (Form)

Comment:

Item 21 NH does not permit fuel escape exclusions. (RSA 412:1 X and RSA 412:5 I - not a public good) Please

note ISO Persoanl Lines Manuals Rule 616 relative to limited coevrage or excluded coverage for escaped liquid

fuel are not applicable in NH.


Changed Items:

-

-











Response 5Comments: As stated in Objection #4 and restated below:

Note that this particular coverage provided under this endorsement is a broadening of coverage not an exclusion or

llimitation of coverage. Also please note that this coverage is for Section I only it does not address or alter the Section II

Coverages provided by the policy.

The coverage provides for the clean-up of land or water on the insured's premieses for the escape of fuel oil. The base

policy does not provide this coverage for Section I Coverage as land and water are excluded under the definitions of

Coverage A and B. The loss is the result of a peril insured against and is providing the limit provided by the

endorsement for the clean-up of water and land; items not covered under the base policy.

Purchasing this endorsement provides broader coverage than provided by the homeowner's policy and would be a

benefit to the insured not a limitation and not against public good.

Related Objection 1

Applies To:

MastersThree, OM 10 30, 01-12 (Form)

MastersFour, OM 10 40, 01-12 (Form)

Comment:

Item 25 NH does not permit fuel escape exclusions. NH does not permit fuel escape exclusions. (RSA 412:1 X and

RSA 412:5 I - not a public good) Please note ISO Persoanl Lines Manuals Rule 616 relative to limited coevrage or

excluded coverage for escaped liquid fuel are not applicable in NH.


Changed Items:



-

-









Response 6Comments: The fees that are indicated on the Invoice were filed with our filing for this homeowner's product under

SERF - OHMG-127853341. Mr Dave Withers is the examiner on that filing.

Related Objection 1

Applies To:

Invoice Example , , (Form)

Comment:

The fees identified on this form must be part of a filed and approved rate filing. Please provide the SERFF filing

number and the corresponding rate and/or rate/rule that outlines the fees being charged on this form.

Changed Items:


Satisfied -Name: Objection # 6 and # 9 - Fees

Comment:



Response 7Comments: We have revised the Consumer Disclosure letter for the insured's insurance score. We have added the

requirements of NH Rule 3309.02 (a)1 and (a) 4 by indicating that adverse action has been taken and providing them

with the insurer's telephone number.

The revised notice has been updated and attached to this filing.

Related Objection 1

Applies To:

Consumer Disclosure, , (Form)

Comment:

While the form does not specify the score is not the best score, the section disclosing the factors that most

affected the score which may be disputed result in the notice being applied to an adverse action notification. The

form is missing Nh Rule 3309.02 (a)1 and (a) 4.

-








Changed Items:



Form Name Form

Number

Edition

Date


Specific

Data

Readability

Score

Attach

Document

Consumer Disclosure Disclosure/Notice Replaced Consumer

Disclosure

Letter.pdf

Objection

# 7

Revised

SCOR -

HH.pdf

Previous Version

Consumer Disclosure Disclosure/Notice New Consumer

Disclosure

Letter.pdf


Response 8Comments: This coverage and form is underwritten by Mutual Boiler Re. This form is filed and approved for Commerce

Insurance under CMRC-126290341 and Central Mutual CEMC-125984802. This particular form provides the same

coverage as the Commerce form and provides the same coverage but generally higher limits ($3,000 compared to

$2,500) on the Central Mutual form. In particular this form provides the same coverage as the Commerce and Central

with regards to the pollution.

Related Objection 1

Applies To:

Equipment Breakdown Coverage, HO 09 98, 01-12 (Form)

Comment:

Property: Section I - The New Hampshire Insurance Department permits pollution coverage to be limited to those

losses caused by Named Perils as found under coverage C.

-

-

-

-

-








Liability: Section II - Pollution exclusions are not permitted (RSA 412:1 X and RSA 412:5 I - not a public good).

In addition, expanded definitions of pollution will not be permitted as it reduces coverage which is contrary to the

public good per RSA 412:1 X and RSA 412:5 I.

Item 20 must be revised. You may not sub limit pollution losses that stem from a covered peril as outlined in

Section I to $3,000. For pollution losses under Section I that do not stem from named perils as found under

coverage C you may provide a sublimit of $3,000.

Changed Items:




Response 9Comments: The billing terms, fees, and methods of payments were filed with our Rules and Rates filing for this new

program under SERFF OHMG- 127853341. Mr Dave Withers is the examiner on that particular filing.

Related Objection 1

Applies To:

Cancellation Insureds Request , , (Form)

Cancellation Notice , , (Form)

Non-Pay Final Notice , , (Form)

Non-Renewal Notice , , (Form)

Pending Non-Pay Cancellation , , (Form)

Comment:

Billing terms and methods of payment sections reference fees applicable to the policyholder. The fees must be

part of a filed and approved rate filing. Please provide the SERFF filing number which outlines the fees noted in

this form.

Changed Items:


Satisfied -Name: Objection # 6 and # 9 - Fees

-








Comment:



Response 10Comments: 1. I have included the guidelines, rules for the application of the HO 03 18 Named Storm Deductible. This

endorsement will only be required for insureds residing in the listed Sea Coast zip codes and within 1 mile of the coast,

other than that it is strictly an optional endorsement. The Distance to Coast will be determined at the time of the quote

by ISO.

2. The form is similar to the filed ISO HO 03 18 Hurricane Deductible although we clarified it to be a Named Storm

Deductible. The form specifically indicates that this deductible only applies to the peril of windstorm or hail for the

named storm. If windstorm or hail loss is result of a claim resulting form an event other than the Named Storm, the

policy deductible applies.

3. There maybe some confusion here as to how this deductible applies. This deductible does not supercede fire and

lightning as it indicates with respect to the peril of Windstorm or Hail. This is a higher deductible with regards to Named

Storms, the base ISO homeowner's policy under the Section I Conditions - Deducitlbe indicates that if more than one

deductible applies only the highest deductible would apply therefore only the one deductible for the Named Storm would

apply. Again this deductible only applies if there is a Named Storm assigned by the National Hurrican Center or the

Central Pacific Hurrican Center of the National Weather Service.

Related Objection 1

Applies To:

Named Storm Deductible, HO 03 18, 01-12 (Form)

Comment:

There are a number of elements of this form that are a cause of concern:

1. The potential for selectivity of application by location and coverage.

2. This form imposes a separate tier of deductible that poses a potential element of ambuguity/confusion to the

application of coverage for the insured.

3. While this deductible does not replace existing deductibles, it supercedes them, not only in regard to wind for

which there is a separate deductible endorsement, but all other covered causes of loss as well, including fire and

lightning. Some of the connection of this form to other causes of loss being is tenuous at best. What is the

difference between a lightning strike in a Named Storm versus a severe thunderstorm?

The potential for confusion of coverage, selectivity of application, and broad application to coverage in general is

not deemed to be in the best interest of the consumer. Please withdraw this form. RSA 412:5 I and, potentially,

RSA 417:4.

-








Changed Items:


Satisfied -Name: Objection #10 - HO 03 18

Comment: I have attached the underwriting guidelines page with respect to the Named Storm Deductible HO 03 18.



Response 11Comments: 1. The reference to See Manual for complete details is being removed, that reference is not applicable as

the underwriting guidelines is the manual being referenced. We apologize for the confusions. Thank-you for pointing

that out to us.

2. Occupancy 3-4 family. Normally our homeowner program provides coverage for 1-2 family dwellings. If the insured

owned and resided in a 3-4 family unit, this would have been written on our dwelling fire or commercial programs.

Neither of those are available in New Hamsphire so we will revise our guidelines and indicate acceptability of 3-4 family

units as long as insured resides in one of the units.

3. Seasonal/secondary homes. Since we are new to the State we wanted to enter cautiously as to the expsosures we

provided coverage for; thus we were electing not to write seasonal and secondary homes at this time. Under or current

Ohio homeowner's program we do allow secondary and seasonal homes to be written under the homeowner's as long

as we have the primary home. Most likely in the future this will filed and changed that we will offer to provide coverage

in our homeowners for seasonal and secondary dwellings

4. Protection Class. We have revised the guidelines with regards to Protection Class as requested under our Rules and

Rate Filing OHMG - 127853341. We are now treating Protection Class 9 and 10 the same. The examiner for the rules

and rate filing was ok with the requirement that PC 9 & 10 needed underwriting approval just as long as we treated them

the same.

5. Direct Bill. Please find attached the revised underwriting guideline page with the correction for the installment fees.

Related Objection 1

Applies To:


Comment:








The underwriting guidelines reference a manual : "(See Manual for complete details)". Please provide a copy of

the manual.

Occupancy is limited to 1 or 2 family owner occupied residences. NH RSA 417-B personal lines is defined as 1 to

4 family owner occupied. Please advise how the 2 family limitation complies with the statute. Where are the 3 and

4 owner occupied residences are covered since non owner occupied or more than 4 units is considered

commercial?

Please explain why seasonal and secondary homes are not eligible for coverage.

Protection class the first two bullets are contrary to NH RSA 417:4 VIII(e).

Prohibited risks the fifth bullet is contrary to NH RSA 417:4 VIII(e).

Page 7 Prohibited risks Item I 1, and I 4 are contrary to NH RSA 417:4 VIII(e).

Item Q Direct bill -Installment fees are not to be applied to the initial or deposit premium payment of a company

installment payment plan. Exception - Automated billing plans - installment fees may be applied to all installments,

including the initial installment for subsequent year policies.

Please provide the SERFF filing number for the filed and approved Rate filing which includes the installment

premium payment plan and associated fees.

Changed Items:


Satisfied -Name: Objection #11 - Direct Bill Installment Fees

Comment:



Response 12Comments: We have revised the CP-164 in accordance with RSA 412:5 II and have removed the intra-family or inter-

spousal exclusion. The revised form has been updated and replaced the previous form submitted.

Related Objection 1

Applies To:

-








Recreational Motor Vehicle Liability, CP 164, 07-10 (Form)

Comment:

Exclusion A2 requires revision. No liability policy issued or delivered in this state shall contain any exclusion which

would preclude coverage for intra-family or inter-spousal claims. RSA 412:5 II

Changed Items:



Form Name Form

Number

Edition

Date


Specific

Data

Readability

Score

Attach

Document

Recreational Motor

Vehicle Liability


/Conditions

Replaced CP-164

(07-10)

Recreatio

nal Motor

Vehicle

Liability

Endorsem

ent.pdf

CP-164

Recreatio

nal Motor

Vehicle

Liability -

NH.pdf

Previous Version

Recreational Motor

Vehicle Liability


/Conditions

New CP-164

(07-10)

Recreatio

nal Motor

Vehicle

Liability

Endorsem

-

-








ent.pdf


Response 13Comments: Per our telephone conversation on January 18, 2012 we will be withdrawing this endorsement from the

homeowner's program. We will not be providing Uninsured/Underinsured Motorists Coverage for Recreational Vehicles

through the homeowner's program.

Related Objection 1

Applies To:

Uninsured/Underinsured Motorists Coverage for Recreational Motor Vehicles, A 119, 12-05 (Form)

Comment:

Currently many recreational vehicle policies are stand alone policies. Prior to the availability of these newer stand

alone policies it was common practice to add liability coverage for boats, snowmobiles, or recreational vehicles via

endorsement. This form deviates significantly from the practice previously described as UM/UIM coverage is not

normally attached to a homeowners policy. UM/UIM coverage has a causal connection to motor vehicle policies,

and the stand alone types of policies for boats, snowmobiles and recreational vehicles The homeowner policy

should not approximate a motor vehicle policy which has very specific requirements in NH. Please remove the

UM/UIM form or provide sufficient information to adequately justify its connection to a Homeowner's Policy.

Changed Items:




Response 14Comments: Please find attached the filed State Specific Pages submitted with our Rules and Rates filing SERFF

OHMG-127853341. The revised rule indicates that the form must be signed and agreed upon with the insured and then

filed and approved with the Department of Insurance. The GU-6784 was a blank form provided to be used in this

particular case, as it would be a manuscripted form approved by the Department of Insurance.

Related Objection 1

Applies To:

General Endorsement, GU 6784, 02-84 (Form)

-








Comment:

This is a blank endorsement. Please clarify your intent in use of the endorsement.

NHID must review and approve all language that is to be used per RSA 412:5 I. This endorsement can not be

used to create policy language or terms that serves to restrict, broaden or impede coverage.

Changed Items:


Satisfied -Name: Objection # 14 - GU 6784

Comment:



Response 15Comments: We have revised Item # 6 on this endorsement and now indicate that the conversion or embezzlement is

excluded if committed by the insured. If it is committed by another individual coverage would apply for the insured.

A revised form has been included to replace the previous form submitted.

Related Objection 1

Applies To:

Recreational Vehicles/Snowmobiles (Physical Damage), HO 77, 03-90 (Form)

Comment:

Item 6 if the conversion or embezzlement is not perpetrated by persons other than the insured, coverage should

apply for the insured as the insured has sustained loss that is outside of his control. The insured should not be

barred from coverage for the illegal or criminal acts of a third party.

Changed Items:



Form Name Form Edition Form Type Action Action Readability Attach

-








Number Date Specific

Data

Score Document

Recreational

Vehicles/Snowmobiles

(Physical Damage)

HO 77 01-12 Endorsement/Amendment

/Conditions

Replaced HO - 77

Recreatio

nal

Vehichle

Physical

Damaged.

pdf

Previous Version

Recreational

Vehicles/Snowmobiles

(Physical Damage)

HO 77 03-90 Endorsement/Amendment

/Conditions

New HO-77

(03-90)

Recreatio

nal

Vehicles

Snowmobi

les

(Point).pdf


Response 16Comments: This is essentially the same form as the ISO MH 04 04 10 00 filed by ISO in New Hampshire. Since the MH

04 04 is an approved form in New Hampshire, we are withdrawing our MH 00 27 form and will be filing to use the ISO

form MH 04 04. The MH 04 04 was approved under H-2000-O00FR

Related Objection 1

Applies To:

Mobilehome Lienholder's Single Interest, MH 00 27, 09-04 (Form)

Comment:

The coverage described is not pertinent to a homeowners policy which covers the homeowners interests. The form

falls under credit personal property 28.2001. Please remove it and submit the form under the appropriate line of

insurance.

Changed Items:


-









Form Name Form

Number

Edition

Date


Specific

Data

Readability

Score

Attach

Document

Mobilehome

Lienholder's Single

Interest

MH 04 04 10 00 Endorsement/Amendment

/Conditions

Replaced MH 04 04

10 00.pdf

Previous Version

Mobilehome

Lienholder's Single

Interest

MH 00 27 09-04 Endorsement/Amendment

/Conditions

New MH 00 27

(09-04)

Mobile

Home

Lienholder

's Single

Interest

(Point).pdf


Response 17Comments: Per your request we are withdrawing the ML-146 Astestos and Silica Exclusions

Related Objection 1

Applies To:

Asbestos and Silica Exclusion, ML 146, 01-05 (Form)

Comment:

Asbestos and Silica Exclusions are not permitted on personal lines policies. ( NH RSA 412:5 I - Not a public good)

Changed Items:




-

-








Response 18Comments: This was my error. The form submitted ML-465 Employers Liability form was submitted in error. This form

is not applicable in New Hampshire and will be withdrawn.

Related Objection 1

Applies To:

Asbestos and Silica Exclusion, ML 146, 01-05 (Form)

Comment:

The form is titled Asbestos and Silica Exclusion with a form number listed as ML 146 01-05. Upon opening the

form, the form has a different form number and title than the asbestos and silica exclusion as stated in the forms

tab. Please attach the intended form and have the form number and title match the one attached in the forms tab.

Changed Items:




Response 19Comments: This endorsement is an optional endorsement that the insured can purchase to provide broader coverage

for a home computer than what the base policy may. If the insured purchases an HO 00 02 the covered perils are

named perils and this form provided for risks of physical loss unless otherwise excluded. Also with this form the insured

may purchase a lower deductible than the policy deductible. For instance the homeowners may have a $1,000 and this

endorsement could carry a $100 deductible for the computer. The base policy on the HO 00 03 for contents is named

perils if the insured would drop their computer or it mysteriously disappeared the base policy would not cover those as

they are not named perils, this endorsement would provide that option for an insured if they desire.

Related Objection 1

Applies To:

Home Computer Endorsement, ML 170, 01-86 (Form)

Comment:

Please advise when and why this form is attached. Home computers are a commonly owned item and routinely

covered under Coverage C section (contents) on a homeowners policy. The form appears to provide duplicative

coverage. What does this form provide that is lacking in the contents portion of the base policy?

-








Changed Items:




Response 20Comments: We have revised the Amendatory Endorsement OM 01 02 and removed the Warranty Language and have

replaced with the suggested language option for Representations. We hope that this meets with your approval.

The revised form has been submitted in place of the original proposed form.

Related Objection 1

Applies To:

Amendatory Endorsement - HMS, OM 01 02, 01-12 (Form)

Comment:

Item J -The New Hampshire Insurance Department requires representation vs warranty (individual guaranty)

language under the premise that the person signing the form may not have first-hand knowledge of all information

that must be provided. That person can not, therefore, be expected to warrant what is known by another person

other than “to the best of their knowledge”. The intent of the insured is critical and must be reflected in any clause

of this nature.

Please reference ISO Form CG 26 55 11 08 for one possible language option.

Changed Items:



Form Name Form

Number

Edition

Date


Specific

Data

Readability

Score

Attach

Document

Amendatory

Endorsement - HMS

OM 01 02 01-12 Endorsement/Amendment

/Conditions

Replaced OM 01 02

-

Revised.p

-








df

Previous Version

Amendatory

Endorsement - HMS


/Conditions

New OM 01 02

(01-12)

Amendato

ry

Endorsem

ent - HMS

(ME,NH).p

df


Response 21Comments: As follow up to our phone conversation on January 18th this form is an optional form that can be used to

provide coverage for a structure that we would normally not wish to write under Coverage B of the homeowner's form.

The typical structure under the homeowner Coverage B for example tends to be either a garage, storage shed, or

gazebo. If we are aware of a large Barn structure over 2500 square feet that is located on the property, this would be

covered under Coverage B but due to it's size or possible condition we would not want to provide coverage. This form

allows an option to provide for the structure on a named peril basis. This form/endorsement is typically used for larger

structures over 2500 square feet.

I have attached a copy of the Rules/rate Manual page that deals with this. This was submitted under SERFF- OHMG-

127853341

Related Objection 1

Applies To:

Specific Structures on Residence Premises, OM 00 48, 09-04 (Form)

Comment:

Structures other than the dwelling structure are routinely covered under the base policy- Other structures

(Coverage B). Coverage is provided on an all risk basis. This form reduces coverage form the traditional all risk

basis to a named peril basis, which results in coverage gaps that are detrimental for the insured. (NH RSA 412:5 I

not a public good).

Please explain when and why the form would be attached. Is a premium credit applied for its use? Please provide

adequate information to justify it benefit to the insured or remove it from the policy.

-








Changed Items:


Satisfied -Name: Objection # 21 - OM 00 48 - Specific Structures Rules Page

Comment:



Response 22Comments: This form is used at the insured's request. The form indicates that the Loss Settlement Terms will be based

upon the cost to repair or replace the damaged buildings using current and less costly common contruction materials

and methods. An insured may own a older home that was constructed years ago with materials and construction no

longer used for example plaster and lathe. To figure the replacement cost and to put the insured back as they were

before the loss may not be want the insured wants as they would like to replace with current construction such as dry

wall. This endorsement allows them the option of doing that. Again this endorsement is optional.

Related Objection 1

Applies To:

Functional Replacement Cost Loss Settlement, OM 00 08, 06-09 (Form)

Comment:

Please verify the form's use is limited to the insureds request.

Changed Items:




Response 23Comments: This endorsement was a spin-off of the ISO filed and approved form HO 04 58 Other Members of Your

Household. We are withdrawing this form and will be using the filed ISO form HO 04 58.

Please refer to ISO filing HO-2010-OFR10

I have updated the forms accordingly.

-








Related Objection 1

Applies To:

Other Members of Your Household, OM 04 58, 05-06 (Form)

Comment:

The base homeowners policy routinely covers resident relatives (and their dependents 21 and younger) living at

the residence. It also includes coverage for full time students away at school limited to a certain age. We do not

see any reference made to full time students as noted above. If the form is not used it excludes coverage for

resident relatives and students which creates a coverage gap that is contrary to public policy and detrimental to

the insured. (NH RSA 412:5 I - Not a public good) Please explain the intent and application of this endorsement

and why it is being separated from the base policy. Is the endorsement mandatory?

Changed Items:



Form Name Form

Number

Edition

Date


Specific

Data

Readability

Score

Attach

Document

Other Members of Your

Household

HO 04 58 05 11 Endorsement/Amendment

/Conditions

Replaced HO 04 58

05 11 -

Other

Members

Household

.pdf

Previous Version

Other Members of Your

Household


/Conditions

New OM 04 58

(05-06)

Other

Members

of Your

Household

(eff.5-15-

06 --

UHP,HP,S

-

-








HO).pdf


Response 24Comments: This endorsement was a spin-off of the ISO filed and approved form HO 04 58 Other Members of Your

Household. The Intentional Loss Section was added by Ohio Mutual on this particular form. The approved ISO form

does not have wording and therefore we are withdrawing this form and will be using the filed ISO form HO 04 58.

Please refer to ISO filing HO-2010-OFR10

I have updated the forms accordingly.

Related Objection 1

Applies To:

Other Members of Your Household, OM 04 58, 05-06 (Form)

Comment:

Intentional loss must be revised. Concealment, Misrepresentation or Fraud provisions may not "void" the entire

policy, and coverage may not be denied to any insured(s) who had no knowledge of or participation in any

concealment, misrepresentation or fraud. One possible suggestion is for the wording to comply with NH

Mandatory ISO Endorsement IL 01 87.

Changed Items:




Response 25Comments: Per the RSA mentioned we have revised the OM 24 75 Watercraft Liability and removed the pollution

exclusion from the form.

The filed original form has been revised and updated, the updated copy is attached.

Related Objection 1

Applies To:

Watercraft Liability, OM 24 75, 10-01 (Form)

-








Comment:

Exclusion 5 -Liability: Section II - Pollution exclusions are not permitted (RSA 412:1 X and RSA 412:5 I - not a

public good).

Changed Items:



Form Name Form

Number

Edition

Date


Specific

Data

Readability

Score

Attach

Document

Watercraft Liability OM 24 75 01-12 Endorsement/Amendment

/Conditions

Replaced OM 24 75

NH (01-

12) -

Revised.p

df

Previous Version

Watercraft Liability OM 24 75 10-01 Endorsement/Amendment

/Conditions

New OM 24 75

(10-01)

Watercraft

.pdf


Response 26Comments: Per your comments we have reviewed and revised the form to better clarify our intent that we are not

attempting to provide coverage for pairasailing, kites, and. Our intent is to cover the tubing and/or water skiing.

Hopefully the revised wording clarifies this. We reviewed the AAIS Boatowner policy with regards to this exclusion.


Related Objection 1

Applies To:


-








Comment:

Exclusion 6 relative to the term "towed" It appears the intent is to exclude tubing or water skiing liability. Please

note that these are common exposures in watercraft liability. The exclusion of liability for such activity creates a

coverage gap that is contrary to public policy and detrimental to the insured. (RSA 412:1 X and RSA 412:5 I - not a

public good

Changed Items:




Response 27Comments: Per your comments we have revised the exclusion to indicate that we are not providing coverage for

intentional acts. We have removed any reference to minors.


Related Objection 1

Applies To:


Comment:

Exclusion 8 The insured is responsible for minors up to the legally established "age of reason". A blanket

exclusion for all minors actions is contrary to public policy and detrimental to the insured. (RSA 412:1 X and RSA

412:5 I - not a public good

Changed Items:




-

-








Response 28Comments: We have revised the OM 24 75 Watercraft Liability according to RSA 412:5 II. We have removed the intra-

family or inter-spousal exclusion.


Related Objection 1

Applies To:


Comment:

Exclusion 16-No liability policy issued or delivered in this state shall contain any exclusion which would preclude

coverage for intra-family or inter-spousal claims. RSA 412:5 II

Changed Items:




Response 29Comments: The OM 24 80 Volunteer Wrongful Acts Coverage endorsement has been revised and the lead exclusions

have been removed.

The revised form has been attached and replaces the original form filed.

Related Objection 1

Applies To:

Volunteer Wronful Acts Coverage, OM 24 80, 06-09 (Form)

Comment:

Exclusion 15-Lead and/or lead paint exclusions are not permitted in any General or Personal Liability bodily injury

coverages, including Personal and Commercial Excess and Umbrella policies.

Changed Items:


-









Form Name Form

Number

Edition

Date


Specific

Data

Readability

Score

Attach

Document

Volunteer Wronful Acts

Coverage

OM 24 80

NH


/Conditions

Replaced OM 24 80

NH (01-

12)

Volunteer

Wrongful

Acts

Coveage.

pdf

Previous Version

Volunteer Wronful Acts

Coverage


/Conditions

New OM 24 80

(06-09)

Volunteer

Wrongful

Acts

Coverage

(Multistate

) chg'd.

05-20-

09.pdf


Response 30Comments: The OM 24 80 Volunteer Wrongful Acts Coverage endorsement has been revised and the pollution

exclusion has been removed.

The revised form has been attached and replaces the original form filed.

Related Objection 1

Applies To:


-








Comment:

Exclusion 15 requires removal. Liability: Section II - Pollution exclusions are not permitted (RSA 412:1 X and RSA

412:5 I - not a public good).

Changed Items:




Response 31Comments: This endorsement provides coverage for wrongful acts which means actual or alleged error, misleading

statement, act or omission, neglect or brreach of duty committeed by an insured. This coverage can be compared to a

Directors & Officers Coverage but it is not that coverage. This coverage is actually a broadening of coverage as it

provides for the above in addition to bodily injury and property damage. This coverage also is an optional coverage that

can be purchased by the insured.

Example: Our insured is a non paid member of a non-profit organizaitons such as the PTA, Church, Boy Scouts, Girl

Scouts, 4-H ro Garden Club. That organization doesn't carry Directors & Officers Coverage or if they do it is minimal. If

our insured were to create a Financial Harm because they advised against purchasing insurance or made a wrong

investment for which the organization lost a lot of money, the base policy would not cover these as neither are "bodily

injury", "property damage", or "personal injury" but this endorsement would provide coverage for $50,000.

Related Objection 1

Applies To:


Comment:

Exclusion #1requires further explanation. Please explain how a wrongful act does not result in a bodily injury,

property damage or personal injury? Liability coverage usually requires there to be bodily injury, property damage

or personal injury to a third party caused by the insured to trigger coverage. Please provide at least two examples

wrongful acts coverage that does not encompass bodily injury, property damage, or personal injury.

Changed Items:

-











Response 32Comments: This form is attached to the homeowner's policy when an Inland Marine endorsement is added by the

insured. This form provides General Terms in addition to the base homeowners policy that apply to the inland marine

coverage added to the policy. The actual endorsed inland marine coverage specifies the coverage and personal

belongings being covered.

Related Objection 1

Applies To:

Inland Marine Terms, IM 100, 06-84 (Form)

Comment:

When and why would this form be attached to the base homeowners policy? The form does not specify what

personal belongings are being covered. What happens to the coverage supplied by the base policy covering the

same property? It appears to provide duplicative coverage. What coverage does this form provide that is not

provided by the base HO policy?

Changed Items:




Response 33Comments: The continous policy provision does comply with NH RSA 417-B: 4 III. Item #1 Under Other Policy

Conditions Comformity to Statutes indicates that terms of this Inland Marine Covreage in conflict with statutes of the

state where this policy is issued are changed to conform to those statutes. Therefore the form is changed to Comply

with NH RSA 417-B: 4 III.

Also the continous policy provision indicates if this policy is issued on a continuous basis (with no specific date of

expiration) which we would not be doing as the homeowners policy is an annual policy with specific beginning/ending

-

-








terms. This is there for those policies issued in other states as continous policies to allow the ability to change forms at

anniversay date if needed. This really is not applicable in New Hampshire.

Related Objection 1

Applies To:


Comment:

Continuous policies must be revised to comply with NH RSA 417-B:4 III

Changed Items:




Response 34Comments: We have revised the form so as not to "Void" the entire policy. The wording we changed to is similar to that

of the IL 01 87 that you indicated.

Revised form is attached.

Related Objection 1

Applies To:


Comment:

Other policy conditions item 4 -Concealment, Misrepresentation or Fraud provisions may not "void" the entire

policy, and coverage may not be denied to any insured(s) who had no knowledge of or participation in any

concealment, misrepresentation or fraud. One possible suggestion is for the wording to comply with NH

Mandatory ISO Endorsement IL 01 87.

Changed Items:



Form Name Form Edition Form Type Action Action Readability Attach

-








Number Date Specific

Data

Score Document

Inland Marine Terms IM 100-

NH


/Conditions

Replaced IM-100-

NH Inland

Marine

General

Terms-

Revised.p

df

Previous Version

Inland Marine Terms IM 100 06-84 Endorsement/Amendment

/Conditions

New IM-100

(06-84)

Agreemen

t - chg'd

05-16-05

(CL see

CM 00 01

- PL still

uses -

Point).pdf


Response 35Comments: This is an optional endorsement that may be used to apply a deductible to the Jewelry if the exposure is

greater than the normal or there is some condition (fault) to the item. Depending upon the deductible depends on the

credit. The base deductible is $100 so the following factors would be applied if the respective deductible is selected:

$250 (.92); $500 (.83); $750 (.79); $1,000 (.75); $1500 (.73); $2000 (.72); $2500 (.71); $5000 (.69); $7500 (.65); and

$10,000 (.60).

Related Objection 1

Applies To:

Jewelry Deductible, IM-175-5, 08-84 (Form)

Comment:

Please verify when this form is applied it supersedes the jewelry coverage and deductible found in the base


-








Changed Items:




Response 36Comments: This form is an optional endorsement that the insured can purchase to provide additional coverage that is

not provided in the base policy. The base policy with the HO 00 02 and HO 00 03 is named perils, this form provides for

direct physical loss unless caused by a peril that is excluded. In addition the base policy limits gun coverage for the peril

of theft to $2500 so if the insured had a gun or guncollection totalling more than the $2500 limit stolen they would not

have adequate coverage. This endorsement allows the insured to protect their property for higher valued items or

schedules than covered under the base policy. The policy also would not provide coverage for any item that was

scheduled so there is no credit applied to the base policy as coverage would not apply under the base homeowners if

they purchased specific insurance on the item with the IM 212 Gun Coverage Form.

Related Objection 1

Applies To:

Gun Coverage, IM 212, 09-85 (Form)

Comment:

Please verify when this form is applied it supersedes the gun coverage and deductible found in the base policy? If

so please advise is a premium credit applied to the portion of the base policy pertinent to this coverage?

Changed Items:




Response 37Comments: Both of these endorsements can be attached to the policy when the IM-902 Scheduled Property Coverage

Named Perils is used. The IM 902 is a named peril endorsement and does not provide theft coverage. These

endorsements can be added to provide Theft Coverage. The are added at no premium charge.

-

-

-

-

-

-








Related Objection 1

Applies To:

Limited Theft coverage, IM-458-1, 01-87 (Form)

Named Peril Coverage - Musical Instruments, IM-664-10, 09-87 (Form)

Comment:

Is there a premium credit applied for use of this form? It decreases coverage form what is supplied by the base

policy. is the form use optional at the insured request?

Changed Items:




Response 38Comments: These forms are optional forms that we provide for insureds/agents to have the ability to provide coverage

for insureds who might have this particular exposure. Granted the forms do appear to be suited to a commercial farming

operation which they could be, but in New Hampshire the homeowners manual indicates that farming must be incidental

to the insured.

Example of use: If the insured had a 4-H animal that they want basic coverage for fire/wind (No mortality) the base

policy does not cover animals, the livestock coverage forms could be used to cover that animal.

The Farm Machinery endorsements once again provide coverage for direct physical loss unless caused by a peril that is

excluded. The base HO 00 02 and HO 00 03 are named perils for contents and therefore these endorsements allow for

a broad option for insureds to purchase broader coverage for their equipment. Some insureds also may have larger

tractors than a normal lawn tractor that they want specifically insured for coverage and maybe required to be specifically

insured for their loss payee which these forms would allow.

Related Objection 1

Applies To:

Farm Machinery Blanket Coverage, IM 851, 06-84 (Form)

Scheduled Livestock Coverage, IM 860, 06-84 (Form)

Optional Livestock Perils Coverage, IM-860-5, 06-84 (Form)

Livestock Coverage, IM 861, 06-84 (Form)

-

-








Farm Machinery Scheduled Coverage, IMU 850, 12-89 (Form)

Comment:

The forms appear suited to a commercial farming operation. It is not applicable to a personal lines exposure which

is limited to incidental business exposures. Please provide the form rules showing the form and eligibility are

limited to incidental farming exposures or withdraw the form.

Changed Items:


Satisfied -Name: Objection # 38 - Farm Rules

Comment: These rules were filed with our Rates and Rules Filing OHMG - 127853341



Response 39Comments: This form is an optional form and provides for a way to insure unusual schedule of collections that insureds

may have or move from place to place. The ISO HO 04 60 can provide coverage for Jewelry, Furs, Cameras, Musical

instruments, Silverware, Golver's equipment fine arts, postage stamps or coins. This form allows for anything unusual

that doesn't fit into one of those categories to be scheduled and covered.

Related Objection 1

Applies To:

Scheduled Property Coverage, IM 901, 08-84 (Form)

Comment:

When is the form applied? Is the form optional?

Changed Items:




-

-








Response 40Comments: Like the IM-901 in Objection #39, this is an optional endorsement that can be used to cover items that would

not fit into one of the categories of the HO 04 60 Schedule Personal Property Endorsement. Since this is an optional

endorsement the coverges should be discussed with the insured and there would be no notice of reduction of coverage.

If we were to automatically add this endorsement then yes there would be a notice of reduction, but since this an

optional coveage the coverage should be discussed before the insured selects the endorsement.

Related Objection 1

Applies To:

Schedule Property Coverage - Named Peril, IM 902, 02-85 (Form)

Comment:

is the form optional? When is it applied? Is there a premium credit when it is applied? The coverage on the form

decreases coverage from what is supplied under the base policy for personal property. Where is the notice of

reduction of coverage to the insured for the form use forms use?

Changed Items:




Response 41Comments: We are withdrawing this form. The coverages provided by this form are the same as provided by the ISO

filed and approved endorsements HO 04 60 and HO 04 61 therefore this form is not necessary.

Related Objection 1

Applies To:

Personal Articles Coverage, IMU 175, 12-89 (Form)

Comment:

The base policy has similar property with specific limitations listed. Please provide the form rules establishing why

this form would be used. What is the benefit to the insured to use this form versus the coverage supplied by the

base policy? Is there a premium credit applied to offset the cost of this form from the premium of the base policy

supplying similar coverage?

Changed Items:

-











Response 42Comments: This form is applied to any policy in which the insured has schedule their furs under an inland marine

endorsement. Fur coverage is rarely requested anymore as most insureds do not specifically insure their furs or own

furs. If they have not schedule the furs then this endorsement does not go on the policy. When the endorsement is

attached it is for 5% depreciation. The form can be removed at the insureds request.

Related Objection 1

Applies To:

Fur Depreciation, IMU 178, 10-93 (Form)

Comment:

Is the form optional at the insured request?

Changed Items:




Once you have reviewed everything, if you have further questions please let me know.

Thank-you,

Sincerely,

Rick Hartschuh








Note To Filer

Created By:

Gail Matson on 02/22/2012 12:03 PM

Last Edited By:

Gail Matson

Submitted On:

03/06/2012 02:53 PM

Subject:

exotic animals

Comments:

In response to you note dated 1/26/12 you are correct that the material misrepresentation is relative to a claim. As to the

increase in hazard, any mid term cancellation would be required to verify the hazard did not exist at inception of the

policy and was acquired after the policy was in effect. The policy can also be cancelled at renewal if it no longer meets

the eligibility requirements of the filed and approved underwriting guidelines.








Note To Reviewer

Created By:

Rick Hartschuh on 01/26/2012 09:02 AM

Last Edited By:

Gail Matson

Submitted On:

03/06/2012 02:53 PM

Subject:

Objection IL UO 27, Exotic Animals Exclusion

Comments:

Gail,

We are just wanting verification on policy wording interpretation with regards to actions allowable concerning exotic

animals. Our guidelines indicate that new business is prohibit for accounts that have exotic or non-domesticated

animals. My understanding is that would be allowable. Our concern and the reason for the exclusion is if the insured

lied to us at the time of application or has purchased an "exotic" animal after we have issued the account. (You may

remember from our telephone conversation this is coming as a result of the incident in Zanesville Ohio that hit the

National News in 2011).

You indicated that we can not apply a sweeping exclusion for these types of animals and that we would have to have

the insureds signature on this type of exclusion., We will ablde by that, but you indicated that the

endorsement/exclusion would require the animal's name? I am not sure if these animals carry names. Also if we had

the exclusion on for 3 animals and they purchased another one, would we require a new signature to add the 4th

animal? I don't believe it would be excluded which would now create a problem as 3 would be and the other 4th one

wouldn't be.

Our interpretation of the HO 01 28 filed and approved by ISO appears to allow us to cancel the policy mid-term giving 45

days based upon a couple of items: (C.2.c.2) Discovery of material misrepresentation by the named insured in pursuing

a claim under the policy. The misrepresentation being if they had the animals at the time of the application and did not

tell us and if we had known we would not have written the account. The only issue here is that it appears the insured

must be pursuing a claim. The other statement is (C.2.c.3) Discovery of grossly negligent acts or omissions by the

insured substantially increasing any of the hazards insured against. The "typical" insured I don't believe normally has

these types of animals so this to us would be an increas in hazard.

Do these two items allow us to cancel a homeonwer policy mid-term with the appropriate 45-day notice.








Respectfully,








Amendment Letter

Submitted Date: 01/10/2012

Comments:

Gail,

I have amended this filing per Dave Withers request. We had submitted the application, declaration pages, invoices,

cancellation notices, reinstatements and company information practices with our rules and rate filings OHMG-

127853341. Mr. Withers indicated that they should be submitted with our forms filing so I have done so per his request.

Respectfully

Changed Items:

Form Schedule Item Changes:

Form Form Edition Form Action Replaced Previous Readability Attachments

Name Number Date Type Form # Filing # Score

Application Applicati

on/Binde

r/Enrollm

ent

New NH

Application.pd

f

Declaration

Pages

Declarati

ons/Sch

edule

New NH

Declaration

Pages.pdf

Invoice

Example

Other New NH

Invoice.pdf

Cancellation

Insureds

Request

Canc/No

nRen

Notice

New Cancellation

Insureds

Request.pdf

Cancellation

Notice

Canc/No

nRen

Notice

New Cancellaiton

Notice.pdf

Non-Pay

Final Notice

Canc/No

nRen

Notice

New Non-Pay Final

Notice.pdf

Non-

Renewal

Notice

Canc/No

nRen

Notice

New Non-Renewal

Notice.pdf








Pending

Non-Pay

Cancellation

Canc/No

nRen

Notice

New Pending Non-

Pay

Cancellation.p

df

Reinstateme

nt Notices

Other New Reinstatemen

t Notice.pdf

Company

Information

Privacy Act

Disclosu

re/Notice

New UOI 101 -

Company

Privacy.pdf

Consumer

Disclosure

Disclosu

re/Notice

New Consumer

Disclosure

Letter.pdf








Reviewer Note

Created By:

Gail Matson on 03/01/2012 02:43 PM

Last Edited By:

Gail Matson

Submitted On:

03/06/2012 02:53 PM

Subject:

Call

Comments:

Rick HartSchuh called 3/1/12/ 419-563-0984 left VM msg RE seasonal and secondary they will write if they write primary

home-Contrary to NH RSA 417:4 VIII (e).the other item is minimum limits? not sure on what. Called back 3/1/12 330pm

left VM msg to call back

Mr Hartschuh called back 3/2/12 930 am the min limits listed in UW guides for seasonal secondary are fine he will revise

the guides to remove the primary Ho requirement to write seasonal & secondary He will revise PC 10 to states prior uw

approval








Reviewer Note

Created By:

Gail Matson on 01/25/2012 07:57 AM

Last Edited By:

Gail Matson

Submitted On:

03/06/2012 02:53 PM

Subject:

Conference call

Comments:

1/19/12 at 9 am to discuss 3 points on the objection letter. # 3 licensed and appointed producers. Explained application

is a separate statutory requirement NH RSA 415:17- b and 402-J:14 V require that the licensed and appointed

agent/producer be identified in any specific transaction with a NH Consumer. They state they will respond they have a

mechanism to capture this data.

#13 UM/UIM not appropriate on a HO Policy they will remove it.

#21 Specific structures on a residence premises usually size and condition issue they will explain in detail.

last item- Grm noticed exotic animal exclusion noted for comment but did not see it in objection letter. NHID does not

approve sweeping exclusions in lieu of proper underwriting. The company may have filed and approved eligibility

guidelines and are not required to write all applicants. explained scope and use of Canine exclusion originally developed

by ISO at NHID request.








Form Schedule

Schedule

Item

Status

Form Name Form # Edition

Date

Form Type Action Action Specific

Data

Readability Attachment

Completed

Review

03/06/2012

Recreational

Motor Vehicle

Liability

CP 164 01-12 Endorseme

nt/Amendm

ent/Conditi

ons

Replaced Replaced Form #:

Previous Filing #:

CP-164-NH

(01-12)

Recreational

Motor

Vehicle

Liability

Endorsemen

t (NH).pdf

Withdrawn

02/23/2012

Uninsured/Underi

nsured Motorists

Coverage for

Recreational

Motor Vehicles

A 119 12-05 Endorseme

nt/Amendm

ent/Conditi

ons

New A-119 (12-

05) UM UIM

Cov. for Rec.

Motor

Vehicles

(Renewals of

UOF,HP,OT

C,UHP

only).pdf

Withdrawn

03/06/2012

General

Endorsement

GU 6784 02-84 Endorseme

nt/Amendm

ent/Conditi

ons

Withdrawn Replaced Form #:

Previous Filing #:

Completed

Review

02/23/2012

Recreational

Vehicles/Snowmo

biles (Physical

Damage)

HO 77 01-12 Endorseme

nt/Amendm

ent/Conditi

ons


Previous Filing #:

HO - 77

Recreational

Vehichle

Physical

Damaged.pd

f

Completed

Review

01/06/2012

Boats and Motors

(Physical

Damage)

HO 79 03-90 Endorseme

nt/Amendm

ent/Conditi

ons

New HO-79 (03-

90) Boats

and Motors

(Point).pdf

Completed Mobilehome MH 04 04 10 00 Endorseme Replaced Replaced Form #: MH 04 04 10








Review

02/23/2012

Lienholder's

Single Interest

nt/Amendm

ent/Conditi

ons

Previous Filing #:

00.pdf

Completed

Review

01/06/2012

Mobile/Manufactu

red Home

Endorsement

MH 02 00 11-05 Endorseme

nt/Amendm

ent/Conditi

ons

New MH 02 00

(11-05)

Mobile

Manufacture

d Home

(Point).pdf

Withdrawn

02/23/2012

Asbestos and

Silica Exclusion

ML 146 01-05 Endorseme

nt/Amendm

ent/Conditi

ons

New ML-465 (03-

90)

Employer's

Liability

(UHP-HP

uses ML-465

-- UOF uses

FO-465).pdf

Completed

Review

02/23/2012

Home Computer

Endorsement

ML 170 01-86 Endorseme

nt/Amendm

ent/Conditi

ons

New ML-170 (01-

86) Home

Computer

Equipment

(SHO).pdf

Completed

Review

01/06/2012

Functional

Replacement

Cost Loss

Settlement

OM 00 08 06-09 Endorseme

nt/Amendm

ent/Conditi

ons

New OM 00 08

(06-09)

Functional

Replacemen

t Cost Loss

Settlement.p

df

Completed

Review

03/06/2012

Specific

Structures on

Residence

Premises


nt/Amendm

ent/Conditi

ons

New OM 00 48

(09-04)

Specific

Structures

on the

Residence

Premises.pdf

Completed

Review

Other Structures

Exclusion


nt/Amendm

New OM 01 81

(01-12)








01/06/2012 ent/Conditi

ons

Other

Structures

Exclusion.pd

f

Completed

Review

01/06/2012

Waterbed LiabilityOM 00 90 09-04 Endorseme

nt/Amendm

ent/Conditi

ons

New OM 00 90

(09-04)

Waterbed

Liability.pdf

Completed

Review

02/23/2012

Amendatory

Endorsement -

HMS


nt/Amendm

ent/Conditi

ons


Previous Filing #:

OM 01 02 -

Revised.pdf

Completed

Review

01/06/2012

Amendment of

Insuring

Agreement -

Known Injury or

Damage


nt/Amendm

ent/Conditi

ons

New OM 01 06

(05-02)

Amendment

of Injury

Agreement.p

df

Completed

Review

01/06/2012

Water Back-Up

and Sump

Discharge or

Overflow


nt/Amendm

ent/Conditi

ons

New OM 02 94

(09-11)

Water Back-

up and

Sump

Discharge or

Overflow

(UHP,HP,O

HP,SHO).pdf

Completed

Review

01/06/2012

Back-Up of

Sewers or Drains


nt/Amendm

ent/Conditi

ons

New HO-295 (05-

11) Back-Up

of Sewers or

Drains

(UOF,OFO).

pdf

Completed

Review

01/06/2012

Identity Fraud

Expense

Coverage


nt/Amendm

ent/Conditi

ons

New OM 04 55

(06-09)

Identity

Fraud

Expense








Coverage.pd

f

Completed

Review

02/23/2012

Other Members

of Your

Household

HO 04 58 05 11 Endorseme

nt/Amendm

ent/Conditi

ons


Previous Filing #:

HO 04 58 05

11 - Other

Members

Household.p

df

Completed

Review

02/23/2012

Watercraft

Liability


nt/Amendm

ent/Conditi

ons


Previous Filing #:

OM 24 75

NH (01-12) -

Revised.pdf

Completed

Review

02/23/2012

Volunteer

Wronful Acts

Coverage

OM 24 80

NH01-12 Endorseme

nt/Amendm

ent/Conditi

ons


Previous Filing #:

OM 24 80

NH (01-12)

Volunteer

Wrongful

Acts

Coveage.pdf

Completed

Review

03/06/2012

Inland Marine

Terms

IM 100-

NH01-12 Endorseme

nt/Amendm

ent/Conditi

ons


Previous Filing #:

IM-100-NH

Inland

Marine

General

Terms-

Revised.pdf

Completed

Review

01/09/2012

Broad Form

Installation

Coverage

BIF 1 02-94 Endorseme

nt/Amendm

ent/Conditi

ons

New BIF-1 (02-

94) Broad

Form

Installation

Coverage.pd

f

Completed

Review

03/06/2012

Jewelry

Deductible

IM-175-5 08-84 Endorseme

nt/Amendm

ent/Conditi

ons

New IM-175-5

(08-84)

Jewelry

Deductible

(PL see OM

17 75 -

Point).pdf

Completed

Review

Gun Coverage IM 212 09-85 Endorseme

nt/Amendm

New IM-212 (09-

85) Gun








02/23/2012 ent/Conditi

ons

Coverage

(cond) 09-

20-04

chg..pdf

Completed

Review

01/09/2012

Wedding Present

Coverage

IM 282 12-89 Endorseme

nt/Amendm

ent/Conditi

ons

New IM-282 (12-

89) Wedding

Presents

Coverage -

chg'd 02-23-

05

(Point).pdf

Completed

Review

03/06/2012

Limited Theft

coverage -

Reduction in

Coverage

IM-458-1-

NH01-12 Endorseme

nt/Amendm

ent/Conditi

ons


Previous Filing #:

IM-458-1-NH

(01-12)

Reduction in

Coverage -

Limited Theft

(NH).pdf

Completed

Review

03/06/2012

Named Peril

Coverage -

Musical

Instruments,

Reduction in

Coverage

IM-664-

10-NH01-12 Endorseme

nt/Amendm

ent/Conditi

ons


Previous Filing #:

IM-664-10-

NH (01-12)

Musical

Instruments

Coverage

Reduction in

Coverage to

Named

Preils.pdf

Completed

Review

03/06/2012

Farm Machinery

Blanket Coverage


nt/Amendm

ent/Conditi

ons

New IM-851 (06-

84) Farm

Machinery

Blanket

Coverage

12-23-03

chg

(Point).pdf

Completed

Review

03/06/2012

Scheduled

Livestock

Coverage


nt/Amendm

ent/Conditi

ons

New IM-860 (06-

84)

Scheduled

Livestock








Coverage

chg'd 06-13-

05

(Point).pdf

Completed

Review

03/06/2012

Optional

Livestock Perils

Coverage

IM-860-5 06-84 Endorseme

nt/Amendm

ent/Conditi

ons

New IM-860-5

(06-84)

Optional

Perils

Coverage

(Point).pdf

Completed

Review

03/06/2012

Livestock

Coverage


nt/Amendm

ent/Conditi

ons

New IM-861 (06-

84)

Livestock

Coverage

chg'd 09-26-

03

(Point).pdf

Completed

Review

02/23/2012

Scheduled

Property

Coverage


nt/Amendm

ent/Conditi

ons

New IM-901 (08-

84)

Scheduled

Property

Coverage

(PL still uses

- CL see IM

7500 - Point)

.pdf

Completed

Review

03/06/2012

Schedule

Property

Coverage -

Named Peril,

Reduction in

Coverage

IM-902-

NH01-12 Endorseme

nt/Amendm

ent/Conditi

ons


Previous Filing #:

IM-902-NH

(01-12)

Scheduled

Property

Coverage

Named Peril

(NH).pdf

Withdrawn

02/23/2012

Personal Articles

Coverage

IMU 175 12-89 Endorseme

nt/Amendm

ent/Conditi

ons

New IMU-175

(12-89)

Personal

Articles

Coverage








(Point).pdf

Completed

Review

03/06/2012

Personal

Property

Coverage


nt/Amendm

ent/Conditi

ons

New IMU-176

(12-89)

Personal

Property

Coverage

(Point) chg'd

05-21-05.pdf

Completed

Review

02/23/2012

Fur Depreciation IMU 178 10-93 Endorseme

nt/Amendm

ent/Conditi

ons

New IMU-178

(10-93) Fur

Depreciation

(Point).pdf

Completed

Review

01/10/2012

Jewelry in Vaults IMU 179 10-06 Endorseme

nt/Amendm

ent/Conditi

ons

New IMU-179

(10-06)

Jewelry in

Vaults (Multi-

State)(Point)

.pdf

Completed

Review

01/10/2012

Sports Equipment

Coverage


nt/Amendm

ent/Conditi

ons

New IMU-215

(01-91)

Sports

Equipment

Coverage

(Point).pdf

Completed

Review

01/10/2012

Satellite Dish

Coverage


nt/Amendm

ent/Conditi

ons

New IMU-235

(12-89)

Satellite Dish

Coverage

03-08-03

chg

(Point).pdf

Completed

Review

03/06/2012

Farm Machinery

Scheduled

Coverage


nt/Amendm

ent/Conditi

ons

New IMU-850

(12-89) Farm

Machinery

Schedule

Coverage

(PL still uses

- CL see IM








7500 -

Point).pdf

Completed

Review

03/06/2012

Portable Tools

Coverage -

Named Peril

PTF 1-NH 01 -12 Endorseme

nt/Amendm

ent/Conditi

ons


Previous Filing #:

PTF-1 (12-

89) Portable

Tools and

Equipment

Coverage -

Named Peril

(PL still uses

- CL see IM

7003 and

GU-6784 -

Point).pdf

PTF-1-NH

(01-12)

Portable

Tools and

Equipment

Coverage

Named Peril

(HMS-

NH).pdf

Completed

Review

01/10/2012

MastersOne OM 10 10 01-12 Endorseme

nt/Amendm

ent/Conditi

ons

New OM 10 10

(01-12)

MastersOne.

pdf

Completed

Review

02/23/2012

MastersTwo OM 10 20 01-12 Endorseme

nt/Amendm

ent/Conditi

ons

New OM 10 20

(01-12)

MastersTwo.

pdf

Completed

Review

02/23/2012

MastersThree OM 10 30 01-12 Endorseme

nt/Amendm

ent/Conditi

ons

New OM 10 30

(01-12)

MastersThre

e.pdf

Completed

Review

02/23/2012

MastersFour OM 10 40 01-12 Endorseme

nt/Amendm

ent/Conditi

ons

New OM 10 40

(01-12)

MastersFour

.pdf








Completed

Review

01/10/2012

Service Line

Coverage


nt/Amendm

ent/Conditi

ons

New OM 03 99

(01-12)

Service Line

Coverage.pd

f

Completed

Review

02/23/2012

Equipment

Breakdown

Coverage

HO 09 98 01-12 Endorseme

nt/Amendm

ent/Conditi

ons

New HO 09 98

(01-12)

Equipment

Breakdown.p

df

Withdrawn

02/22/2012

Exotic Animal

Exclusion

IL UO 27 01-12 Endorseme

nt/Amendm

ent/Conditi

ons

Withdrawn Replaced Form #:

Previous Filing #:

Completed

Review

02/23/2012

Portable Tools

Coverage

PTF 2 01-91 Endorseme

nt/Amendm

ent/Conditi

ons

New PTF-2 (01-

91) Portable

Tools and

Equipment

Coverage

03-06-04 (PL

still uses -

CL see IM

7003 -

Point).pdf

Completed

Review

01/10/2012

Additional Limits

of Liability

Coverage A, B,

C, D


nt/Amendm

ent/Conditi

ons

New HO 04 11

(01-12) Add'l

Limits of

Liability for

Coverages

A, B, C, and

D.pdf

HO 04 11

Comparison.

pdf

Completed

Review

02/23/2012

Named Storm

Deductible


nt/Amendm

ent/Conditi

ons

New HO 03 18

Named

Storm

Deductible








comparison.

pdf

HO 03 18

(01-12)

Named

Storm

Deductible

(ME,NH).pdf

Completed

Review

01/10/2012

Personal

Property

Replacement

Cost Loss

Settlement


nt/Amendm

ent/Conditi

ons

New HO 04 90

Replacemen

t Cost PP -

comparison.

pdf

HO 04 90

(01-12)

Personal

Property

Replacemen

t Cost Loss

Settlement.p

df

Completed

Review

01/10/2012

Application Application/

Binder/Enro

llment

New NH

Application.p

df

Work-In-

Progress

01/10/2012

Declaration

Pages

Declaration

s/Schedule

New NH

Declaration

Pages.pdf

Completed

Review

02/23/2012

Invoice Example Other New NH

Invoice.pdf

Completed

Review

02/23/2012

Consumer

Disclosure

Disclosure/

Notice


Previous Filing #:

Consumer

Disclosure

Letter.pdf

Objection #

7 Revised

SCOR -

HH.pdf

Completed Cancellation Canc/NonR New Cancellation








Review

03/06/2012

Insureds Request en Notice Insureds

Request.pdf

Completed

Review

03/06/2012

Cancellation

Notice

Canc/NonR

en Notice

New Cancellaiton

Notice.pdf

Completed

Review

03/06/2012

Non-Pay Final

Notice

Canc/NonR

en Notice

New Non-Pay

Final

Notice.pdf

Completed

Review

03/06/2012

Non-Renewal

Notice

Canc/NonR

en Notice

New Non-

Renewal

Notice.pdf

Completed

Review

03/06/2012

Pending Non-Pay

Cancellation

Canc/NonR

en Notice

New Pending

Non-Pay

Cancellation.

pdf

Completed

Review

01/10/2012

Reinstatement

Notices

Other New Reinstateme

nt Notice.pdf

Completed

Review

01/10/2012

Company

Information

Privacy Act

Disclosure/

Notice

New UOI 101 -

Company

Privacy.pdf

CP-164-NH (01-12)

Page 1 of 3 CP-164-NH (01-12).DOC

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

RECREATIONAL MOTOR VEHICLE LIABILITY ENDORSEMENT - NEW HAMPSHIRE

Personal Liability or Farm Personal Liability is extended to apply to damages for bodily injury or property damage for which an insured becomes legally responsible and Medical Payments to Others because of an accident arising out of: A. the ownership, operation, maintenance, use,

loading, or unloading of a recreational motor vehicle;

B. the entrustment by an insured of a recreational motor vehicle to any person; or

C. vicarious liability, whether or not statutorily imposed, for the actions of a minor child using a recreational motor vehicle.

Damages include pre-judgment interest awarded against the insured. We will settle or defend, as we consider appropriate, any claim or suit asking for these damages. In addition to our limit, we will pay all defense costs we incur. Our duty to settle or defend ends when our limit for this coverage has been exhausted. We have no duty to defend any suit or settle any claim for bodily injury or property damage not covered under this endorsement.

DEFINITIONS As used in this endorsement, the following definitions apply: A. You and your mean the named insured shown

in the Declarations, and the spouse if a resident of the same household.

B. We, us, and our mean the company providing this insurance.

C. Bodily injury means bodily harm, sickness, or disease, including death that results.

D. Business includes trade, profession, or occupation whether full or part time.

E. Family member means a person related to you by blood, marriage, or adoption who is a resident of your household. This includes a ward or foster child.

F. Limit means the amount of coverage that applies as shown in the Declarations.

G. Occupying means in, getting in, on, out, or off. H. Property damage means physical injury to,

destruction of, or loss of use of tangible property.

I. Recreational motor vehicle means a motorized land vehicle, a trailer, or attached equipment operated by you or any family member, designed for recreational use off public roads including, but not limited to, snowmobiles, tri-carts, all-terrain vehicles, similar motorized vehicles, and motorized kick scooters with an engine size under 30 cc's and does not exceed 25 miles per hour. Recreational motor vehicle does not include any two-wheeled motorized vehicle including, but not limited to, motorcycles, motorbikes, trail motorcycles, dirt bikes, mini-bikes, motor scooters, or mopeds. Recreational motor vehicle also does not include any vehicle subject to motor vehicle registration which is designed and equipped for use on public roads.

J. Terms means all provisions, limitations, exclusions, conditions, and definitions that apply to this policy.

K. Your recreational motor vehicle means any recreational motor vehicle you or any family member own on the date you or any family member become owner. This includes a recreational motor vehicle if leased by you or any family member: 1. under a written agreement; and 2. for a continuous period of at least six months.

When used in this endorsement, the definition of insured is replaced with the following: Insured means: A. you or any family member for the ownership,

maintenance, or use of any recreational motor vehicle;

B. any other person using your recreational motor vehicle with your permission provided that the actual operation or use is within the scope of such permission;

C. for your recreational motor vehicle, any person or organization but only with respect to legal responsibility for acts or omissions of a person for whom coverage is afforded under this endorsement; and

D. for any recreational motor vehicle you do not own, any person or organization but only with respect to legal responsibility for acts or omissions of you or any family member for whom coverage is afforded under this endorsement. This provision applies only if the person or organization does not own or hire the recreational motor vehicle.

CP-164-NH (01-12)

Page 2 of 3 CP-164-NH (01-12).DOC

SUPPLEMENTARY PAYMENTS In addition to our limit, we will pay on behalf of an insured: A. Interest accruing after a judgment is entered in

any suit we defend. Our duty to pay interest ends when we offer to pay that part of the judgment which does not exceed our limit for this coverage.

B. Reasonable expenses incurred at our request.

EXCLUSIONS The following additional exclusions apply: A. We do not provide Liability Coverage for any

insured: 1. for property damage to property owned or

being transported by an insured; 2. for property damage to property:

a. rented to; b. used by; or c. in the care of; that insured. This exclusion (A.2.) does not apply to property damage to a residence or private garage;

3. for bodily injury to an employee of that insured during the course of employment. This Exclusion (A.3.) does not apply to bodily injury to a domestic employee unless workers' compensation benefits are required or available for that domestic employee;

4. for that insured's liability arising out of the ownership or operation of a recreational motor vehicle while it is being used as a public or livery conveyance;

5. maintaining or using a recreational motor vehicle in any business (other than farming or ranching);

6. using a recreational motor vehicle without a reasonable belief that that insured is entitled to do so. This exclusion (A.6.) does not apply to a family member using your recreational motor vehicle which is owned by you;

7. for bodily injury or property damage for which that insured: a. is an insured under a nuclear energy

liability policy; or

b. would be an insured under a nuclear energy liability policy but for its termination upon exhaustion of its limit. (A nuclear energy liability policy is a policy issued by the Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada, or their successors.);

8. arising out of punitive or exemplary damage award; or

9. for which The United States of America or any of its agencies may be held liable arising from the operation of your recreational motor vehicle by that insured as an employee of the United States government under the Federal Tort Claims Act, including any amendments.

B. We do not provide Liability Coverage for the ownership, maintenance, or use of any recreational motor vehicle: 1. while rented or leased to any insured or

organization other than you; or 2. while operated in or while in practice or

preparation for any racing, speed, or pulling contest regardless of whether such contest is prearranged or organized.

LIMIT OF LIABILITY A. The limit shown in the Declarations for coverage

under Personal Liability or Farm Personal Liability is our maximum limit for all damages, including damages for death and damages for all derivative claims including, but not limited to, claims for loss of services, loss of consortium, and claims for medical bills, incurred by any other person, arising out of bodily injury or property damage in any one accident.

B. With regard to A. above, this is the most we will pay regardless of the number of: 1. insureds; 2. claims made; 3. recreational motor vehicles shown in the

Declarations; or 4. recreational motor vehicles involved in the

accident. C. No one will be entitled to receive duplicate

payments for the same elements of loss under this coverage and Medical Payments to Others or Uninsured Motorists and Underinsured Motorists for Recreational Motor Vehicles, if applicable, of this policy.

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OTHER INSURANCE If there is other applicable liability insurance, we will pay only our share of the loss. Our share is the proportion that our limit of liability bears to the total of all applicable limits. However, any insurance we provide for a recreational motor vehicle you do not own, including any vehicle while used as a temporary substitute for your covered recreational motor vehicle, shall be excess over any other collectible insurance. Any insurance we provide for use of a your recreational motor vehicle by any person other than you or a family member will be excess over any other collectible insurance, self-insurance, or bond stated to be primary, contributing, excess, or contingent. If this policy and any other recreational motor vehicle insurance policy issued to you or any family member by us, or a member Company of the Ohio Mutual Insurance Group, apply to the same accident, the maximum limit of our liability under all policies shall not exceed the highest applicable limit of liability under any one policy. DUTIES AFTER AN ACCIDENT OR LOSS We have no duty to provide coverage under this policy unless there has been full compliance with the following duties: A. We must be notified promptly of how, when, and

where the accident or loss happened. Notice should also include the names and addresses of any injured persons and of any witnesses.

B. A person seeking any coverage must: 1. cooperate with us in the investigation,

settlement, or defense of any claim or suit. 2. promptly send us copies of any notices or

legal papers received in connection with the accident or loss.

3. submit, as often as we reasonably require: a. to physical exams by physicians we

select. We will pay for these exams. b. to examination under oath and subscribe

the same. 4. authorize us to obtain:

a. medical reports; and b. other pertinent records.

5. submit a proof of loss when required by us. 6. provide notice of the loss to all other

applicable insurance carriers.

All other terms of this policy apply.

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UNINSURED MOTORISTS and UNDERINSURED MOTORISTS COVERAGE

for RECREATIONAL MOTOR VEHICLES DEFINITIONS As used in this endorsement, the following Definitions

apply: A. You and your mean the named insured shown in

the Declarations and the spouse if a resident of the same household.



D. Family member means a person related to you by blood, marriage, or adoption who is a resident of your household. This includes a ward or foster child.

E. Insured means: 1. You and any family member for ownership,

maintenance, or use of any recreational motor vehicle; or

2. Any other person occupying your recreational motor vehicle with your permission provided the actual operation or use is within the scope of such permission.

3. Any person for damages that person is entitled to recover because of bodily injury to which this coverage applies sustained by a person described in 1. or 2. above.

With regard to E.2. or E.3., if there is other valid and collectible insurance that pays all or part of the loss, we will pay only the excess portion not covered, but not more than the limit shown in the Declarations of this policy.


G. Occupying means in, getting in, on, out, or off. H. Recreational motor vehicle means a motorized

land vehicle operated by you or any family member, designed for recreational use off public roads including, but not limited to, snowmobiles, tri-carts, all-terrain vehicles, similar motorized vehicles, and motorized kick scooters with an engine size under 30 cc's and does not exceed 25 miles per hour.. Recreational motor vehicle does not include motorcycles, motorbikes, trail motorcycles, dirt bikes, mini-bikes, motor scooters, or mopeds. Recreational motor

vehicle also does not include any vehicle subject to motor vehicle registration which is designed and equipped for use on public roads.

I. Terms means all provisions, limitations, exclusions, conditions, and definitions that apply to this policy.

J. Your recreational motor vehicle means any recreational motor vehicle you or any family member own on the date you or any family member become owner. This includes a recreational motor vehicle if leased by you or any family member: 1. Under a written agreement; and 2. For a continuous period of at least six months.

INSURING AGREEMENT A. We will pay compensatory damages which an

insured is legally entitled to recover from the owner or operator of: 1. An uninsured motor vehicle as defined in

B.1., B.2., and B.4., of the definition of an uninsured motor vehicle, and an under-insured motor vehicle as defined in D. of the definition of an uninsured motor vehicle because of bodily injury: a. Sustained by an insured; and b. Caused by an accident while occupying

or when struck by a recreational motor vehicle.

2. An uninsured motor vehicle as defined in B.3. of the definition of an uninsured motor vehicle because of bodily injury sustained by an insured. The owner's or operator's liability for these damages must arise out of the ownership, maintenance, or use of the uninsured motor vehicle or underinsured motor vehicle. Any judgment for damages arising out of a suit brought without our written consent is not binding on us.

We will pay Underinsured Motorists Coverage only if 1. or 2. below applies: 1. The limits under any bodily injury liability

bonds or policies applicable to the underinsured motor vehicle have been

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Page 2 of 5 A-119 (12-05).DOC

exhausted by payment of judgments or settlements; or

2. A tentative settlement has been made between an insured and the insurer of the underinsured motor vehicle and we: a. have been given prompt written notice of

such tentative settlement; and b. advance payment to the insured in an

amount equal to the tentative settlement within 30 days after receipt of notification.

B. Uninsured motor vehicle means a land motor vehicle or trailer of any type: 1. To which no bodily injury liability bond or

policy applies at the time of the accident. 2. To which a bodily injury liability bond or policy

applies at the time of the accident. In this case its limit for bodily injury liability must be less than the minimum limit for bodily injury liability for this coverage.

3. Which is a hit-and-run vehicle whose operator or owner cannot be identified and which hits or which causes bodily injury without hitting: a. you or any family member; b. a recreational motor vehicle which you

or any family member are occupying; or c. your recreational motor vehicle. The facts of the accident or intentional act must be proved. The testimony of any insured seeking recovery from the insurer shall not constitute independent corroborative evi-dence, unless such testimony is supported by additional evidence.

4. To which a bodily injury liability bond or policy applies at the time of the accident but the bonding or insuring company: a. denies coverage; or b. is or becomes insolvent.

C. Uninsured motor vehicle does not include any vehicle or equipment: 1. owned by or furnished or available for the

regular use of you or any family member: 2. Owned or operated by a self-insurer under

any applicable motor vehicle law, except a self-insurer which is or becomes insolvent.

3. Operated on rails or on crawler treads, which is not a recreational motor vehicle.

4. While located for use as a residence or premises.

5. Which is owned by any governmental unit or agency, unless the owner or operator of the uninsured motor vehicle has:

a. an immunity under the Ohio Political Subdivision Tort Liability Law; or b. a diplomatic immunity.

D. Underinsured motor vehicle means a land motor vehicle or trailer of any type to which a bodily injury liability bond or policy applies at the time of the accident but its limit for Bodily Injury Liability is either: 1. Less than the limit for this coverage; or 2. Reduced by payments to others injured in the

accident to an amount which is less than the limit for this coverage.

E. Underinsured motor vehicle does not include any vehicle or equipment: 1. To which a bodily injury liability bond or policy

applies at the time of the accident but its limit for bodily injury liability is less than the minimum limit for bodily injury liability specified by the financial responsibility law of the state in which your recreational motor vehicle is principally garaged.

2. Owned by or furnished or available for the regular use of you or any family member.

3. Operated on rails or on crawler treads, which is not a recreational motor vehicle.

4. While located for use as a residence or premises.

5. Owned or operated by a person qualifying as a self-insurer under any applicable motor vehicle law.

6. To which a bodily injury liability bond or policy applies at the time of the accident but the bonding or insuring company: a. denies coverage; or b. is or becomes insolvent.

7. Which is owned by any governmental unit or agency, and the owner or operator has: a. an immunity under the Ohio Political

Subdivision Tort Liability Law; or b. a diplomatic immunity.

EXCLUSIONS A. We do not provide Uninsured Motorists and

Underinsured Motorists Coverage for bodily injury sustained: 1. By an insured while occupying, or when

struck by, any motor vehicle owned by that insured which is not insured for this coverage under this policy. This includes a trailer of any type used with that vehicle.

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2. By any family member while occupying, or when struck by, any motor vehicle you own which is insured for this coverage on a primary basis under any other policy.

3. By an insured which is caused by a motor vehicle operated by any person who is specifically excluded from coverage for bodily injury liability in the policy under which the Uninsured Motorists and Underinsured Motorists Coverage is provided.

B. We do not provide Uninsured Motorists and Underinsured Motorists Coverage for bodily injury sustained by any insured: 1. If that insured or the legal representative

settles the bodily injury claim and such settlement prejudices our right to recover payment.

2. While occupying your recreational motor vehicle when it is being used as a public or livery conveyance. .

3. Using a recreational motor vehicle without a reasonable belief that that insured is entitled to do so. This exclusion (B.3.) does not apply to a family member using your recreational motor vehicle which is owned by you.

4. While occupying any recreational motor vehicle while rented or leased to any organization or any insured other than you.

5. While occupying any recreational motor vehicle: a. operated in; or b. while in practice or preparation for; any racing or speed contest regardless of whether such contest is pre-arranged or organized.

C. This coverage shall not apply directly or indirectly to benefit any insurer or self-insurer under any of the following or similar law: 1. Workers' compensation law; or 2. Disability benefits law.

D. We do not provide Uninsured Motorists and Underinsured Motorists Coverage for punitive or exemplary damages.

LIMIT OF LIABILITY A. The limit of liability shown in the Declarations for

each person for Uninsured Motorists Coverage or Underinsured Motorists Coverage is our maximum limit of liability for all damages, including damages for care, loss of services, or death, arising out of bodily injury sustained by any one person in any one accident. Subject to

this limit for each person, the limit of liability shown in the Declarations for each accident for Uninsured Motorists Coverage or Underinsured Motorists Coverage is our maximum limit of liability for all damages for bodily injury resulting from one accident. This is the most we will pay regardless of the number of: 1. Insureds; 2. Claims made; 3. Recreational motor vehicles or premiums

shown in the Declarations; or 4. Recreational motor vehicles involved in the

accident. B. No one will be entitled to receive duplicate

payments for the same elements of loss under this coverage and SECTION II - LIABILITY of this policy.

C. We will not make a duplicate payment under this coverage for any element of loss for which payment has been made by or on behalf of persons or organizations who may be legally responsible.

D. With regard to Underinsured Motor Vehicle Coverage for recreational vehicles, the limit shall be reduced by all sums paid because of the bodily injury by or on behalf of persons or organizations who may be legally responsible.

ACTION AGAINST THE COMPANY A. No suit or any proceeding in arbitration shall be

brought against the company for the recovery of any claim resulting from the owner or operator of an uninsured motor vehicle or underinsured motor vehicle unless as a condition precedent thereto, the insured or his legal representative has fully complied with all terms of the policy and unless the suit or proceeding in arbitration is commenced against the company in compliance with B.1. and B.2.

B. We will pay as long as: 1. The insured has not prejudiced our subro-

gation rights; and 2. Each claim or suit for Uninsured Motorists and

Underinsured Motorists Coverage has been made or brought within three years after the date of accident causing the bodily injury, sickness, disease, or death, or within one year after the liability insurer for the owner or operator of the motor vehicle liable to the insured has become the subject of insolvency proceedings in any state, whichever is later.

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OTHER INSURANCE This OTHER INSURANCE provision does not apply to A-119 - UNINSURED MOTORISTS and UNDER-INSURED MOTORISTS COVERAGE for RECREA-TIONAL MOTOR VEHICLES, Definitions E.2. If there is other applicable insurance available under one or more policies or provisions of coverage that is similar to the insurance provided under this endorsement: 1. Any recovery for damages under all such policies

or provisions of coverage may equal but not exceed the highest applicable limit for any one vehicle under any insurance providing coverage on either a primary or excess basis.

2. Any insurance we provide with respect to a vehicle you do not own, including any recreational vehicle while used as a temporary substitute for your covered recreational vehicle, shall be excess over any collectible insurance providing such coverage on a primary basis.

3. If the coverage under this policy is provided: a. on a primary basis, we will pay only our share

of the loss that must be paid under insurance providing coverage on a primary basis. Our share is the proportion that our limit bears to the total of all applicable limits for coverage provided on a primary basis.

b. on an excess basis, we will pay only our share of the loss that must be paid under insurance providing coverage on an excess basis. Our share is the proportion that our limit bears to the total of all applicable limits for coverage provided on an excess basis.

If this policy and any other insurance policy issued to you or any family member by us apply to the same accident, our maximum limit under all policies shall not exceed the highest applicable limit under any one policy. ARBITRATION A. If we and an insured do not agree:

1. Whether that insured is legally entitled to recover damages; or

2. As to the amount of damages which are recoverable by that insured;

from the owner or operator of an uninsured motor vehicle or underinsured motor vehicle, then the matter may be arbitrated. However, disputes concerning coverage under this endorsement may not be arbitrated. Both parties must agree to arbitration. If the insured and company do not agree to arbitrate, then the insured or company may bring suit to determine the right to recovery and as to the

amount of damage, under this agreement, as in other civil cases. If so agreed, each party will select an arbitrator. The two arbitrators will select a third. If they cannot agree on the third arbitrator within 30 days, either may request that selection be made by a judge of a court having jurisdiction.

B. Each party will: 1. Pay the expenses it incurs; and 2. Bear the expenses of the third arbitrator

equally. C. Unless both parties agree otherwise, arbitration

will take place in the county in which the insured lives. Local rules of law as to procedure and evidence will apply. A decision agreed to by at least two of the arbitrators will be binding as to: 1. Whether the insured is legally entitled to

recover damages; and 2. The amount of damages.

DUTIES AFTER AN ACCIDENT OR LOSS We have no duty to provide coverage under this policy unless there has been full compliance with the following duties: A. We must be notified promptly of how, when, and


B. A person seeking any coverage must: 1. Cooperate with us in the investigation,

settlement, or defense of any claim or suit. 2. Promptly send us copies of any notices or


3. Submit, as often as we reasonably require: a. to physical exams by physicians we select.

We will pay for these exams. b. to examination under oath and subscribe

the same. 4. Authorize us to obtain:


5. Submit a proof of loss when required by us. 6. Provide notice of the loss to all other

applicable insurance carriers. C. A person seeking Uninsured Motorists Coverage

or Underinsured Motorists Coverage must also: 1. Promptly notify the police or the appropriate

law enforcement authority if a hit-and-run driver is involved.

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2. Promptly send us copies of the legal papers if a suit is brought.

D. A person seeking Underinsured Motorists Coverage must also promptly notify us in writing of a tentative settlement between the insured and the insurer of the underinsured motor vehicle, and allow us 30 days to advance payment to that insured in an amount equal to the tentative settlement to preserve our rights against the insurer, owner, or operator of such underinsured motor vehicle. However, this Paragraph does not apply if failure to notify us does not prejudice our rights against the insurer, owner, or operator of such underinsured motor vehicle.

OUR RIGHT TO RECOVER PAYMENT A. If we advance payment to the insured in an

amount equal to the tentative settlement within 30 days after receipt of notification 1. That payment will be separate from any

amount the insured is entitled to recover under the provisions of Underinsured Motorists Coverage; and

2. We also have a right to recover the advanced payment.

B. If we make a payment under this policy and the person to or for whom payment is made recovers damages from another, that person shall: 1. Hold in trust for us the proceeds of the

recovery; and 2. Reimburse us to the extent of our payment.


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BOATS AND MOTORS

Section I - Property Coverages

(The information required below may be shown in the Declarations.) Deductible $ In consideration of the premium charged, the following items are insured: Year Description H.P. Length Limit of Liability

Equipment Perils We cover risks of direct physical loss or damage except as noted under Exclusions. Exclusions As additional Exclusions, we do not cover loss: 1. resulting from marring, denting, corrosion, rust, dampness of atmosphere, scratching, gradual deterioration

(including marine life), freezing, overheating, extremes of temperatures, mechanical or electrical breakdown or failure, or latent defect;

2. due to theft of equipment not permanently attached to the boat (other than outboard motors, boat trailers, and dingies) unless there are visible signs of forcible entry into the boat, motor vehicle, or building containing the covered property;

3. to covered property, except for sailboats, occurring while engaged in any official race or speed contest, or to any boat used in illicit or prohibited trade;

4. to sails and spars while racing; 5. while the covered property is used to carry persons or property for a fee, or while rented to others; 6. caused by birds, vermin, rodents, insects, or domestic animals; or 7. resulting from obsolescence or depreciation. Definitions Equipment means all boat equipment and furnishings attached or unattached to the boat or carried on board the boat during normal operations, including anchors, oars, tarpaulins, lights, cushions, life preservers, fuel containers, or horns, but excluding fishing tackle, water skis, other sporting equipment, cameras, other personal effects, fuel, and provisions. Private Pleasure Warranty It is warranted that the boat(s) described are used strictly for pleasure use and not held for hire or charter. Trailers and/or Equipment This endorsement provides up to $500 additional coverage which, at the option of the insured, may be applied to either the boat trailer or equipment. All other terms of this policy apply.

HOMEOWNERSMH 04 04 10 00


MH 04 04 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 1 of 2

MOBILEHOME LIENHOLDER'S SINGLE INTEREST1. Agreement

We also cover only the interest of the lienholder orhis assignee named in the Declarations in the mo-bilehome covered under Coverage A against:a. Direct loss to the mobilehome while in transit

caused by:(1) Collision of the mobilehome with:

(a) Another object; or(b) The vehicle to which it is attached; or

(2) By upset of the mobilehome.b. Loss from conversion, embezzlement or secre-

tion of the mobilehome by a retail purchaser orborrower in lawful possession, under a:

(1) Valid bailment lease;(2) Conditional sale or purchase agreement; or(3) Mortgage or other encumbrance.

2. Recovery ConditionsThe following conditions must be satisfied for thelienholder to recover:a. There are no payments more than thirty days

past due under any contract of encumbrancecovering the mobilehome as of the effectivedate of this coverage; and

b. The lienholder shall not make any loss settle-ment, except at his own cost, without our writ-ten consent; and

c. In case of a loss by the Perils Insured Againstand at our request, the lienholder shall use allreasonable means to save, preserve, and re-cover the mobilehome. We agree to reimbursethe lienholder for all reasonable expenses in-curred at our request; and

d. The purchaser has defaulted in payment; ande. The lienholder has repossessed the mobile-

home; andf. The purchaser or borrower has abandoned the

mobilehome as a result of a loss covered underthis policy; and

g. For any loss for conversion, embezzlement orsecretion the lienholder has made every rea-sonable effort to locate the purchaser or bor-rower to collect overdue payments and, if thatfails, to repossess the mobilehome.

3. Lienholder's Duties After LossWhen the lienholder becomes aware of any loss tothe mobilehome that might impair his interest, thelienholder shall notify us as soon as practicable.The lienholder shall protect the mobilehome fromfurther loss. We will not pay any loss caused bythe failure of the lienholder to protect the mobile-home.

4. Date Of LossThe date we receive written notice that the lien-holder has complied with all the Recovery Condi-tions, shall be the date of loss for the purpose ofthis coverage.

5. Limits Of Liability – Settlement OptionsOur liability shall not exceed the smallest of thefollowing amounts:a. Under Agreement 1.a. the cost to repair or

replace the mobilehome with other of like kindor quality.In this Agreement 1.a., the terms "repair" or"replace" do not include the increased costs in-curred to comply with the enforcement of anyordinance or law, except as provided in Ordi-nance Or Law Coverage EndorsementMH 04 08, if attached to this policy.

b. Under Agreement 1.a. and 1.b. the amount ofany impairment of the lienholder's interest rep-resented by an unpaid balance not more thansixty days past due, less insurance, interest, fi-nance and other carrying charges, computedpro rata from the date of loss. These carryingcharges shall:

(1) Be deemed to accrue in equal installmentson the payment dates fixed by the contract;and

(2) Shall not include any penalty or othercharges added to the unpaid balance afterthe inception date of the contract.

The lienholder's interest shall be consideredimpaired when the value of the mobilehomebecause of loss is reduced to an amount lessthan the lienholder's interest.

c. Under Agreement 1.a. and 1.b. the actual cashvalue as of the date of loss.

of 2 Copyright, Insurance Services Office, Inc., 1999 MH 04 04 10 00

d. Under Agreement 1.b., if the mobilehome islocated within sixty days from date of loss, atour option, the cost of transporting the mobile-home to the:

(1) Lienholder's place of business nearest tothe point of recovery; or

(2) "Insured's" address;without payment for damage to the mobile-home, its parts or equipment.SETTLEMENT OPTIONUnder Agreement 1.a. and 1.b. we may:

(1) Pay for the loss in money;(2) Repair or replace the mobilehome;(3) Return any property with payment for dam-

age at any time before the damage is re-paired or loss is paid; or

(4) Take all or part of the mobilehome at theagreed or appraised value. However, we willnot accept any abandonment of the prop-erty.

6. Payment Of ClaimThe payment of any loss under one of the abovecoverages shall reduce the amount of recoveryunder any other coverage by the amount so paid.

7. Examination Of RecordsWe shall be permitted at all reasonable times toexamine the books, records and files of the lien-holders for the purpose of determining any factsrelative to this insurance.

8. CancellationThe premium charged for this coverage is a mini-mum annual premium. If cancellation is requestedby interested parties, the premium shall be fullyearned. If we cancel, the earned premium shall becomputed on a pro rata basis.

HOMEOWNERS MH 02 00 11 05

Page 1 of 2 MH 02 00 (11-05).DOC


MOBILE/MANUFACTURED HOME This insurance is subject to all provisions of the Homeowners form and endorsements attached to this policy except as revised in the following areas: DEFINITIONS

With respect to the coverage provided in this endorsement under Definitions, paragraph B.11. is deleted and replaced by the following: 11. "Residence premises" means:

a. The one family dwelling where you reside;

b. The two, three, or four family dwelling where you reside in at least one of the family units;

c. The mobile/manufactured home where you reside; or

d. That part of any other building where you reside;

and which is shown as the "residence premises" in the Declarations. "Residence premises" also includes other structures and grounds owned or leased at that location.

SECTION I - PROPERTY COVERAGES The following Section I - Property Coverages item A. Coverage A - Dwelling is deleted and replaced by the following: A. Coverage A - Dwelling

1. We cover: a. The mobile/manufactured home on the

“residence premises”: (1) Shown in the Declarations. (2) Used principally as a private

residence. b. Structures and utility tanks attached to

the mobile/manufactured home and the following and similar type items installed on a permanent basis: (1) Floor coverings; (2) Appliances; and (3) Dressers and cabinets.

c. Materials and supplies located on or next to the "residence premises" used to: (1) Construct;

(2) Alter; or (3) Repair; the mobile/manufactured home or other structures on the "residence premises."

2. We do not cover land, including land on which the dwelling is located

3. We do not cover the mobile/manufactured home while it is in transit.

B. Coverage B - Other Structures Paragraph 3. is deleted and replaced by the following: 3. The limit of liability for this coverage will not

be more than 10% of the limit that applies to Coverage A. However, if 10% of the Coverage A limit of liability is less than $2000, we will provide a minimum limit of $2000 for this coverage. Use of this coverage does not reduce the Coverage A limit of liability.

E. Additional Coverages 5. Property Removed

The following paragraph is added: At any time, if: a. The mobile/manufactured home is

endangered by a Peril Insured Against; and

b. Removal is necessary to avoid damage, we will pay the reasonable expense you incur, not to exceed $500, for its removal and return. No deductible applies to this expense.

11. Ordinance Or Law This Additional Coverage does not apply.

SECTION I - CONDITIONS C. Loss Settlement

Paragraph 1.b. is deleted and replaced by the following: b. Awnings, outdoor antennas and outdoor

equipment, whether or not attached to buildings;

Paragraph 3. is added and is only applicable to a mobile/manufactured home that is not on a solid continuous weight-bearing foundation. 3. Mobile/manufactured homes covered under

Coverage A at replacement cost without deduction for depreciation, subject to the following:


Page 2 of 2 MH 02 00 (11-05).DOC

a. If, at the time of loss, the amount of insurance in this policy on the damaged building is 80% or more of the full replacement cost of the building and the mobile/manufactured home is not more than 10 years of age immediately before the loss, we will pay the cost to repair or replace, after application of deductible and without deduction for depreciation, but not more than the least of the following amounts: (1) the limit of liability under this policy

that applies to the building: (2) the replacement cost of that part of

the building damaged for like construction and use on the same premises: or

(3) the necessary amount actually spent to repair or replace the damaged building.

If the Declarations indicate “Loss Settlement Terms for Coverages A and B - Actual Cash Value Basis,” then 3.a. above is deleted and the loss will be settled as though the mobile/manufactured home is more than 10 years of age under 3.b.

b. If, at the time of loss, the amount of insurance in this policy on the damaged building is less than 80% of the full replacement cost of the building or the mobile/manufactured home is more than 10 years of age immediately before the loss, we will pay the greater of the following amounts, but not more than the limit of liability under this policy that applies to the building: (1) the actual cash value of that part of

the building damaged; (2) that proportion of the cost to repair

or replace, after application of deductible and without deduction for depreciation, that part of the building damaged which the total amount of insurance in this policy on the damaged building bears to 80% of the replacement cost of the building.

c. To determine the amount of insurance required to equal 80% of the full replacement cost of the building immediately before the loss, do not include the value of: (1) excavations, foundations, piers, or

any supports which are below the undersurface of the lowest basement floor;

(2) those supports in (1) above which are below the surface of the ground inside the foundation walls, if there is no basement; and

(3) underground flues, pipes, wiring, and drains.

We may, at our discretion, replace the damaged property with similar property, but not necessarily of the same manufacturer.

D. Loss To A Pair Or Set The following paragraph is added: 3. Pay in any loss involving part of a series of

pieces or panels the reasonable cost to: a. Repair or replace the damaged part to

match the remainder as closely as possible; or

b. Provide an acceptable decorative effect or use as conditions warrant. However, we do not guarantee the availability of replacements, and we will not be liable, in the event of damage to or loss of a part, for the value, repair, or replacement of the entire series of pieces or panels.

K. Mortgage Clause The following paragraph is added: 6. The word mortgagee includes lienholder.

All other provisions of this policy apply.

ML-465 (03-90)

Page 1 of 2 ML-465 (03-90).DOC

This endorsement changes the Liability Coverages.

EMPLOYER'S LIABILITY (Domestic Employees Only)

INSURING AGREEMENT We pay, up to our limit, all sums for which an insured is liable by law because of bodily injury caused by an occurrence to which this coverage applies and arises out of the ownership, maintenance or use (including operations necessary or incidental thereto) of the residence premises provided such bodily injury is sustained by a domestic employee and arises out of and in the course of his or her employment by an insured. We will defend a suit seeking damages if the suit resulted from bodily injury not excluded under this coverage. We may make investigations and settle claims or suits that we decide are appropriate. We do not have to provide a defense after we have paid an amount equal to our limit as a result of a judgment or written settlement. DEFINITIONS As used in this endorsement, the following definitions apply: 1. You or your mean the person or persons named in the Declarations and your spouse if a resident of your

household. We, us and our mean the company providing this insurance. 2. Domestic employee means a person employed by an insured to perform duties that relate to the use and

care of the insured premises. This includes a person who performs duties of a similar nature elsewhere for an insured. This does not include a person while performing duties in connection with the business of an insured.

3. Farm employee means an employee of an insured whose duties are principally in connection with the farming operations of the insured.

4. Occurrence means an accident, including continuous or repeated exposure to substantially the same general harmful conditions, which results during the policy period in bodily injury neither expected nor intended from the standpoint of the insured.

5. Residence premises means: a. the one- to four-family dwelling, other structures and grounds; or b. that part of any building; where you principally reside and which is shown in the Declarations.

6. Workers' Compensation Law means the Workers' Compensation Law and any Occupational Disease Law applicable in the state where the insured provides employment, but does not include any provisions of any such law which provides non-occupational disability benefits.

EXCLUSIONS The insurance provided by this endorsement does not apply: 1. to liability assumed by an insured under any contract or agreement; 2. to punitive or exemplary damages; 3. with respect to any employee employed in violation of law with the knowledge or acquiescence of an

insured or any executive officer; 4. to bodily injury by disease unless prior to 36 months after the end of the policy period written claim is made

or suit is brought against an insured for damages because of such injury or death resulting therefrom; 5. to any premium, assessment, penalty, fine, benefit, or other obligation for which an insured or any carrier as

his or her insurer may be held liable under Workers' Compensation or Occupational Disease Law, any Unemployment Compensation or Disability Benefits Law or under any similar law;

6. to any claim with respect to which an insured is deprived of any defense or defenses or is otherwise subject to penalty because of default in premium payment or any other failure to comply with the provisions of the Workers' Compensation Law;

7. if the insured is a partnership, to bodily injury for which benefits are provided under elective provisions of the Workers' Compensation Law and the insured shall not have elected to become subject to such law;

8. if the insured is incorporated, to bodily injury suffered by corporate officers specifically excluded from benefits of the Workers' Compensation Law;

ML-465 (03-90)

Page 2 of 2 ML-465 (03-90).DOC

9. to bodily injury which is expected or intended, whether by or at the direction of an insured, and if an insured is a corporation or partnership, by an executive officer, director, stockholder, or partner thereof;

10. to bodily injury sustained by a master or member of a crew of any vessel or by an employee of an insured in the course of any employment subject to the United States Longshoreman's and Harbor Workers' Compensation Act, the Federal Employer's Liability Act or the Federal Coal Mine Health & Safety Act of 1969;

11. to bodily injury sustained by any employee while engaged in the operation or maintenance or use of aircraft or while a member of a flying crew of any aircraft;

12. to assault and/or battery by or at the direction of an insured; or 13. to a farm employee. LIMIT OF LIABILITY The Limit of Liability shown in the Declarations for either Personal Liability or Farm Personal Liability coverage is our maximum Limit of Liability for all damages resulting from any one occurrence. COVERAGE LIMITATION Insured does not include Additional Insureds listed on any "Additional Insured" Endorsement except with respect to liability arising out of premises or operations of the insured for which coverage is provided by this policy. All other terms of this policy apply.

ML-170 (01-86)

Copyright, AAIS, 1986 Page 1 of 2 ML-170 (01-86).DOC

HOME COMPUTER ENDORSEMENT

(The information required below may be shown on a separate schedule or supplemental Declarations.) This coverage is subject to all policy terms that apply to the property coverage unless amended by this

endorsement. DEFINITIONS

The following additional definitions apply to the coverage provided by this endorsement: 1. Data processing equipment means a network of machine components capable of accepting

information, processing it according to a plan and producing the desired results. 2. Software refers to the programs containing the facts, concepts or instructions which have been

converted to a form usable by data processing equipment and which have been commercially purchased.

3. Media means all forms of material on which information is recorded or stored, and includes magnetic

tapes, disk packs, paper tapes and cards. It does not include the information recorded on the media.

AGREEMENT

We cover the data processing equipment and software described below for which a limit of liability is indicated. We cover this property for risks of physical loss unless otherwise excluded.

Class of Property Limit of Liability Premium 1. Data Processing Equipment $ $ $ $ $ $ $ $ $ $ $ $ Total $ $ 2. Software $ $ $ $ $ $ $ $ $ $ $ $ Total $ $ INCIDENTAL COVERAGE

As an additional amount of insurance, we cover direct physical loss or damage to media you own or for which you are legally responsible. We pay no more than $250 per occurrence, unless a higher amount of insurance is indicated.

Higher Amount of Insurance on Media (Amount of Increase) $ DEDUCTIBLE

The following deductible amount will apply to each loss after all other adjustments have been made. $

ML-170 (01-86)

Copyright, AAIS, 1986 Page 2 of 2 ML-170 (01-86).DOC

NEWLY ACQUIRED PROPERTY This applies for 30 days from the date of acquisition or until the expiration date of the policy, if it occurs first.

We cover newly acquired property that is of a class of property scheduled on this endorsement. We pay no more than the lesser of: 1. 25 percent of the total limit of liability shown for the

respective class of property, or 2. $5,000.

You must report newly acquired property to us within 30 days of acquisition and pay the additional premium from the date acquired. EXCLUSIONS

The following exclusions apply in addition to the policy exclusions.

We do not pay for loss: 1. caused by or that results from mechanical breakdown or

failure or changes in the arrangement of machine parts.

If a fire or explosion results, we pay only for the loss caused by the fire or explosion;

2. caused by or that results from errors, omissions or deficiencies in design, specifications, materials or workmanship;

3. caused by or that results from electrical currents other than those caused by lightning. If a fire results, we pay only for the damage caused by the fire;

4. caused by or that results from programming errors or incorrectly instructing the machine;

5. caused by or that results from changes in humidity or temperature;

6. caused by or that results from processing operations or that is caused by or results from damage during service or repair. If fire or explosion results, we pay only for the damage caused by the fire or explosion;

7. caused by or that results from delay, loss of market, loss of use, loss of income or interruption of business; or

8. to property rented or leased to others while away from the insured premises.

HOMEOWNERS OM 00 08 06 09

Page 1 of 2 OM 00 08 (06-09).DOC


FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENT

DEFINITIONS The following definition is added when this endorse-ment is attached to the policy: "Functional replacement cost" means the amount which it would cost to repair or replace the damaged building using current and less costly common con-struction materials and methods which are function-ally equivalent to more obsolete, antique, or custom construction materials and methods used in the origi-nal construction of the building. SECTION I - CONDITIONS C. Loss Settlement is deleted and replaced by the

following: SECTION I - CONDITIONS C. Loss Settlement. In this Condition C., the terms

"cost to repair or replace" and "functional re-placement cost" do not include the increased costs incurred to comply with the enforcement of any ordinance or law, except to the extent that coverage for these increased costs is provided in E.11. Ordinance Or Law under Section I - Prop-erty Coverages. Covered property losses are set-tled as follows: a. Property of the following types:

(1) Personal property; (2) Awnings, carpeting, household appli-

ances, outdoor antennas and outdoor equipment, whether or not attached to buildings; and

(3) Structures that are not buildings; at actual cash value at the time of loss but not more than the amount required to repair or re-place.

b. Buildings covered under Coverage A or B: (1) If, at the time of loss, the amount of insur-

ance in this policy on the damaged build-ing is 80% or more of the "functional re-placement cost" of the building immedi-ately before the loss; and you contract for repair or replacement of the damaged building for the same use, within 180 days of the damage unless we and you other-wise agree, we will pay, after application of any deductible, the lesser of the follow-ing amounts:

(a) The limit of liability under this policy that applies to the building; or

(b) The necessary amount actually spent to repair or replace the damaged building on a "functional replacement cost" basis. However, if this amount is less than the actual cash value of that part of the damaged building, we will settle the loss on an actual cash value basis.

(2) If you do not make claim under Paragraph b.(1) above, we will pay, after application of any deductible, the least of the follow-ing amounts: (a) The limit of liability under this policy

that applies to the building; or (b) The actual cash value of the dam-

aged part of the building. (3) If, at the time of loss, the amount of insur-

ance in this policy on the damaged build-ing is less than 80% of the "functional re-placement cost" of the building immedi-ately before the loss, we will pay the greater of the following amounts, but not more than the limit of liability under this policy that applies to the building: (a) The actual cash value of that part of

the building damaged; or (b) That proportion of the cost to repair

or replace: (i) After application of any deducti-

ble; and (ii) Without deduction for deprecia-

tion; that part of the building damaged, which the total amount of insurance in this policy on the damaged building bears to 80% of the "functional re-placement cost" of the building.

(4) To determine the amount of insurance re-quired to equal 80% of the "functional re-placement cost" of the building immedi-ately before the loss, do not include the value of:


Page 2 of 2 OM 00 08 (06-09).DOC

(a) Excavations, footings, foundations, piers, or any other structures or de-vices that support all or part of the building, which are below the under-surface of the lowest basement floor;

(b) Those supports in (a) above which are below the surface of the ground inside the foundation walls, if there is no basement; and

(c) Underground flues, pipes, wiring and drains.

(5) If the actual value of the damage is less than the "functional replacement cost" then: (a) We will pay no more than the actual

cash value of the damage until re-placement is complete. Once re-placement is complete, we will settle the loss according to the provisions of b.(1) and b.(3) above. However, if the cost to functionally repair the damage is both:

(i) Less than 5% of the amount of insurance in this policy on the building; and

(ii) Less than $2,500; we will settle the loss according to the provisions of b.(1) and b.(3) above whether or not replacement is com-plete.

(b) You may disregard the "functional re-placement cost" loss settlement pro-visions and make claim under this policy for loss to buildings on an ac-tual cash value basis. You may then make claim for any additional liability according to the provisions of this Condition C. Loss Settlement, provided you notify us of your intent to do so within 180 days of the date of loss.


POLICY NUMBER: HOMEOWNERS OM 00 48 09 04


OM 00 48 09 04 Page 1 of 2

SPECIFIC STRUCTURES ON THE RESIDENCE PREMISES

For an additional premium, we cover the structure described below on the "residence premises," for the limit of liability shown for that structure.

Description of Structure Limit of Liability $

* Entries may be left blank if shown elsewhere in this policy for this coverage.

We insure for direct physical loss to the property described above caused by any of the following perils unless the loss is excluded in Section I – Exclusions. The limit of liability shown in the schedule for each structure is the most we will pay for loss to each structure 1. Fire Or Lightning 2. Windstorm Or Hail 3. Explosion 4. Riot Or Civil Commotion 5. Aircraft

This peril includes self-propelled missiles and spacecraft.

6. Vehicles This peril does not include loss to a fence, drive-way or walk caused by a vehicle owned or oper-ated by a resident of the "residence premises".

7. Smoke This peril means sudden and accidental damage from smoke, including the emission or puffback of smoke, soot, fumes or vapors from a boiler, furnace or related equipment. This peril does not include loss caused by smoke from agricultural smudging or industrial operations.

8. Vandalism Or Malicious Mischief This peril does not include loss to property on the "residence premises", and any ensuing loss caused by any intentional and wrongful act committed in the course of the vandalism or malicious mischief, if the dwelling has been vacant for more than 60 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant.

9.Theft a. This peril includes attempted theft and loss

of property from a known place when it is likely that the property has been stolen.

b. This peril does not include loss caused by theft:

(1) Committed by an "insured"; (2) In or to a dwelling under construction, or

of materials and supplies for use in the construction until the dwelling is finished and occupied;

(3) From that part of a "residence premises" rented by an "insured" to someone other than another "insured"; or

(4) That occurs off the "residence premises" of:

(a) Trailers, semitrailers and campers; (b) Watercraft of all types, and their

furnishings, equipment and outboard engines or motors; or

(c) Property while at any other residence owned by, rented to, or occupied by an "insured", except while an "insured" is temporarily living there. Property of an "insured" who is a student is covered while at the residence the student occupies to attend school as long as the student has been there at any time during the 60 days immedia-tely before the loss.

of 2 OM 00 48 09 04

10. Falling Objects This peril does not include loss to the property contained in the building unless the roof or an outside wall of the building is first damaged by a falling object. Damage to the falling object itself is not included.

11. Weight Of Ice, Snow Or Sleet This peril means weight of ice, snow or sleet

which causes damage to a building or property contained in the building. This peril does not include loss to an awning, fence, patio, pavement, swimming pool, founda-tion, retaining wall, bulkhead, pier, wharf, or dock.

12. Accidental Discharge Or Overflow Of Water Or Steam

a. This peril means accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or auto-matic fire protective sprinkler system or from within a household appliance. We also pay to tear out and replace any part of the building, or other structure, on the "residence prem-ises", but only when necessary to repair the system or appliance from which the water or steam escaped. However, such tear out and replacement coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence prem-ises".

b. This peril does not include loss: (1) On the "residence premises", if the dwell-

ing has been vacant for more than 60 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant;

(2) To the system or appliance from which the water or steam escaped;

(3) Caused by or resulting from freezing ex-cept as provided in Peril Insured Against 14. Freezing;

(4) On the "residence premises" caused by accidental discharge or overflow which occurs off the "residence premises"; or

(5) Caused by mold, fungus or wet rot unless hidden within the walls or ceilings or be-neath the floors or above the ceilings of a structure.

c. In this peril, a plumbing system or household appliance does not include a sump, sump pump or related equipment or a roof drain, gutter, downspout or similar fixtures or equip-ment.

d. Section I – Exclusion 3. Water Damage, Paragraphs a. and c. that apply to surface water and water below the surface of the ground do not apply to loss by water covered under this peril.

13. Sudden And Accidental Tearing Apart, Cracking, Burning Or Bulging This peril means sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system, an air conditioning or automatic fire protective sprinkler system, or an appliance for heating water. This peril does not include loss caused by or re-sulting from freezing except as provided in Peril Insured Against 14. Freezing below.

14. Freezing a. This peril means freezing of a plumbing,

heating, air conditioning or automatic fire protective sprinkler system or of a household appliance but only if you have used reason-able care to:

(1) Maintain heat in the building; or (2) Shut off the water supply and drain all

systems and appliances of water. However, if the building is protected by an automatic fire protective sprinkler system, you must use reasonable care to continue the water supply and maintain heat in the building for coverage to apply.

b. In this peril, a plumbing system or household appliance does not include a sump, sump pump or related equipment or a roof drain, gutter, downspout or similar fixtures or equipment.

15. Sudden And Accidental Damage From Artificially Generated Electrical Current This peril does not include loss to tubes, transis-tors, electronic components or circuitry that are a part of appliances, fixtures, computers, home entertainment units or other types of electronic apparatus.

16. Volcanic Eruption This peril does not include loss caused by earthquake, land shock waves or tremors.

Actual Cash Value Loss Settlement With respect to structures covered under this en-dorsement, Section I – Condition C. Loss Set-tlement is deleted and replaced by the following: Covered losses will be settled at actual cash value at the time of loss, but not more than the amount required to repair or replace.


HOMEOWNERS OM 01 81 (01-12)

Page 1 of 1 OM 01 81 (01-12).DOC


OTHER STRUCTURES EXCLUSION

SCHEDULE

Description of Building Measurements

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

SECTION I - PROPERTY COVERAGES B. Coverage B - Other Structures

The following is added to Paragraph B.2.: e. We do not cover:

Other structures specifically listed and described above or on the Declaration pages. The described building is ex-cluded regardless of the limit shown as Coverage B.



Page 1 of 1 OM 00 90 ( 09-04).DOC

WATERBED LIABILITY SECTION II For an additional premium, the Personal Liability coverage of the Policy to which this Endorsement is attached applies to property damage arising out of an Insured's ownership or use of a waterbed in the residence occupied by the insured. All other provisions of this policy apply.

OM 01 06 05 02

Page 1 of 1 OM 01 06 (05-02).DOC


AMENDMENT OF INSURING AGREEMENT - KNOWN INJURY OR DAMAGE

This endorsement modifies insurance provided under the following: SECTION II - LIABILITY COVERAGES A. Coverage E - Personal Liability is replaced by

the following: SECTION II - LIABILITY COVERAGES A. Coverage E - Personal Liability

If a claim is made or a suit is brought against an "insured" for damages because of "bodily injury" or "property damage" caused by an "occurrence" to which this coverage applies, we will:

1. Pay up to our limit of liability for the damages for which an "insured" is legally liable. Damages include prejudgment interest awarded against an "insured;" and

2. Provide a defense at our expense by counsel of our choice, even if the suit is groundless, false, or fraudulent. We may investigate and settle any claim or suit that we decide is appropriate. Our duty to settle or defend ends when our limit of liability for the "occurrence" has been exhausted by payment of a judgment or settlement.

B. This insurance applies to "bodily injury" and "property damage" only if:

1. The "bodily injury" or "property damage" is caused by an "occurrence;"

2. The "bodily injury" or "property damage" occurs during the policy period; and

3. Prior to the policy period, no "insured" knew, that the "bodily injury" or "property damage" had occurred, in whole or in part. If an "insured" knew, prior to the policy period, that the "bodily injury" or "property damage" occurred, then any continuation, change, or resumption of such "bodily injury" or "property damage" during or after the policy period will be deemed to have been known prior to the policy period.

C. "Bodily injury" or "property damage" which occurs during the policy period and was not known to have occurred by any "insured" prior to the policy period, includes any continuation, change, or resumption of that "bodily injury" or "property damage" after the end of the policy period.

D. "Bodily injury" or "property damage" will be deemed to have been known to have occurred at the earliest time when any "insured:"

1. Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer;

2. Receives a written or verbal demand or claim for damages because of the "bodily injury" or "property damage;" or

3. Becomes aware by any other means that "bodily injury" or "property damage" has occurred or has begun to occur.


Page 1 of 1 OM 02 94 (09-11).DOC


WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW

SECTION I - PROPERTY COVERAGES E. Additional Coverages

The following Additional Coverage is added: Water Back-up And Sump Discharge Or Overflow We will pay, up to the Limit shown in the Declarations, for direct physical loss, not caused by the negligence of an “insured”, to property covered under Section I caused by water or water-borne material, which: a. Backs up through sewers or drains; or b. Overflows or is discharged from a:

(1) Sump, sump pump; or (2) Related equipment; even if such overflow or discharge results from mechanical breakdown. This cover-age does not apply to direct physical loss of the sump pump, or related equipment, which is caused by mechanical breakdown.

The insurance provided by this endorsement is excess over any other collectible insurance provided by the policy to which this endorsement is attached. This coverage does not increase the limits of liability for Coverages A, B, C, or D stated in the Declarations. Special Deductible The following replaces any other deductible provision in this policy with respect to loss covered under this endorsement: We will pay only that part of the total of all loss payable under Section I that exceeds $500. No other deductible applies to this coverage. This deductible does not apply with respect to Coverage D - Loss Of Use.

Exclusion For purposes of the Additional Coverage provided by this endorsement, the Water Damage exclusion is deleted and replaced by the following: Water Damage, meaning: a. Flood, surface water, waves, including

tidal wave and tsunami, tides, tidal water, overflow of a body of water, or spray from any of these, all whether or not driven by wind, including storm surge;

b. Water which: (1) Backs up or through sewers or

drains; or (2) Overflows or is discharged from a

sump, sump pump, or related equipment;

as a direct or indirect result of flood; c. Water below the surface of the ground,

including water which: (1) Exerts pressure on; or (2) Seeps, leaks, or flows through; a building, sidewalk, driveway, patio, foundation, swimming pool, or other structure; or

d. Waterborne material carried or otherwise moved by any of the water referred to in a. through c. of this Exclusion.

This Exclusion applies regardless of whether any of the above, in a. through d., is caused by or resulting from human or animal forces or any act of nature. This Exclusion applies to, but is not limited to, escape, overflow, or discharge, for any reason, of water or waterborne material from a dam, levee, seawall, or any other boundary or containment system. Direct loss by fire or explosion resulting from water damage is covered.


FARMOWNERS HO-295 (05-11)

Page 1 of 1 HO-295 (05-11).DOC

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY

BACK-UP OF SEWERS OR DRAINS

This endorsement modifies the insurance provided under the following:

DWELLING COVERAGE FORM Property Coverages For an additional premium, we insure for direct physical loss to the property described under Coverages A, B, C, and D caused by water or water-borne material that: 1. backs up through sewers or drains; or 2. enters into, overflows, or otherwise discharges

from within: a. a sump, sump pump, or related equipment; or b. any other type of system designed to remove

subsurface water which is drained from the foundation area;

even if such overflow results from mechanical breakdown of the sump, sump pump, or related equipment. This coverage does not apply to direct physical loss of the sump, sump pump, or related equipment, which is caused by mechanical breakdown.

Exclusions Coverage does not apply to: 1. any loss which is caused by the negligence of an

insured; 2. flood, surface water, waves (including, but not

limited to, tidal waves and tsunamis), tides, tidal water, overflow of any body of water, or spray from any of these whether or not driven by wind. This includes, but is not limited to tidal surge, storm surge, and storm tide; or

3. water or waterborne material below the surface of the ground, including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool, or other structure.

How Much We Pay For Loss or Claim We pay up to the Limit shown in the Declarations for this coverage. We will pay only that part of the total of the loss payable under Section I that exceeds $500. No other deductible applies to this coverage. However, the deductible does not apply to loss covered under Coverage D. This coverage does not increase the limit of liability for Coverage A, B, C, or D. Coverage applies only to loss which occurs at the insured location which is your primary residence. All other terms of this policy apply.



Page 1 of 1 OM 04 55 (06-09).DOC

IDENTITY FRAUD EXPENSE COVERAGE DEFINITIONS With respect to the provisions of this endorsement only, the following definitions are added: 1. "Identity fraud" means the act of knowingly trans-

ferring or using, without lawful authority, a means of identification of an "insured" with the intent to commit, or to aid or abet another to commit, any unlawful activity that constitutes a violation of fed-eral law or a felony under any applicable state or local law.

2. "Expenses" means: a. Costs for notarizing affidavits or similar docu-

ments attesting to fraud required by financial institutions or similar credit grantors or credit agencies.

b. Costs for certified mail to law enforcement agencies, credit agencies, financial institutions or similar credit grantors.

c. Lost income resulting from time taken off work to complete fraud affidavits, meet with or talk to law enforcement agencies, credit agencies and/or legal counsel, up to a maximum pay-ment of $200 per day. Total payment for lost income is not to exceed $5,000.

d. Loan application fees for re-applying for a loan or loans when the original application is re-jected solely because the lender received in-correct credit information.

e. Reasonable attorney fees incurred as a result of "identity fraud" to:

(1) Defend lawsuits brought against an "in-sured" by merchants, financial institutions or their collection agencies;

(2) Remove any criminal or civil judgments wrongly entered against an "insured"; and

(3) Challenge the accuracy or completeness of any information in a consumer credit report.

f. Charges incurred for long distance telephone calls to merchants, law enforcement agencies, financial institutions or similar credit grantors, or credit agencies to report or discuss an ac-tual "identity fraud".

The following Additional Coverage is added under Section I: IDENTITY FRAUD EXPENSE We will pay up to the amount shown in the Declara-tions for Identity Fraud Expense for "expenses" in-curred by an "insured" as the direct result of any one "identity fraud" first discovered or learned of during the policy period. Any act or series of acts committed by one or more persons, or in which such person or persons are aiding or abetting others against an "insured", is con-sidered to be one "identity fraud", even if a series of acts continues into a subsequent policy period. This coverage is additional insurance. EXCLUSIONS The following additional exclusions apply to this cov-erage: We do not cover: 1. Loss arising out of or in connection with a "busi-

ness". 2. "Expenses" incurred due to any fraudulent, dis-

honest or criminal act by an "insured" or any per-son aiding or abetting an "insured", or by any au-thorized representative of an "insured", whether acting alone or in collusion with others.

3. Loss other than "expenses". SPECIAL DEDUCTIBLE We will pay only that part of the loss that exceeds $250. No other deductible applies to "identity fraud" expense coverage. SECTION I – CONDITION B. Duties After Loss The following is added: Send to us, within 60 days after our request, receipts, bills or other records that support your claim for "ex-penses" under "identity fraud" coverage. All other provisions of this policy apply.

POLICY NUMBER: HOMEOWNERS HO 04 58 05 11


HO 04 58 05 11 © Insurance Services Office, Inc., 2010 Page 1 of 1

OTHER MEMBERS OF YOUR HOUSEHOLD

SCHEDULE

Name Of Person Covered By This Endorsement

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

A. Agreement 1. We insure the person named in the Schedule

above who lives with you and is a member of your household and who is not an "insured", guest, "residence employee", tenant, roomer or boarder. We also insure a person under the age of 21 who lives with and is in the legal custody of the person named in the Schedule. Such persons are insured for the coverages described in B. Section I – Property Coverage of this endorsement and Section II – Liability described in the policy form.

2. It is agreed that this endorsement is issued in reliance on information you provided concerning the residency of the person described in the Schedule.

3. You agree to notify us in writing within 30 days of a change in the:

a. Residency; or b. Status as a household member;

of the person described in the Schedule. 4. You will be solely responsible for the payment

of any premium pertaining to this endorsement. 5. It is further agreed that you are the

representative of the person described in the Schedule and will act in all matters pertaining to the provisions of this endorsement.

B. Section I – Property Coverage Under Coverage C, the first paragraph is replaced by the following: We cover personal property owned or used by an "insured" or a person described in A.1. of this endorsement while it is anywhere in the world. After a loss and at your request, we will cover personal property owned by:

1. Others, not including a person described in A.1. of this endorsement, while the property is on the part of the "residence premises" occupied by an "insured"; or

2. A guest or a "residence employee", while the property is in any residence occupied by an "insured".

This coverage does not increase the Coverage C limit of liability.

C. General Condition All other provisions under Section I and Section II of this policy that apply to you also apply to the persons described in A.1. of this endorsement, except Coverages A and B and Fair Rental Value under Coverage D.

BIF-1 (02-94)

Page 1 of 2BIF-1 (02-94).DOC

This Inland Marine coverage is subject to the terms shown below.The Inland Marine General Terms also apply.

-PLEASE READ THIS CAREFULLY-

BROAD FORM INSTALLATION COVERAGE

(The information required below may be shown on a separate schedule or supplemental Declarations.)

LOCATION OF PREMISES OF INSTALLATION

DESCRIPTION OF PROJECT IF OTHER THAN A RESIDENCE

Coverage Amount

Coverage A - Building Materials and Fixtures $Coverage B - Personal Property other than Building Materials and Fixtures $

DEDUCTIBLE

The Deductible amount shown in the Declarations will apply to each loss after all other adjustments have been made.

DEFINITIONS

Collision means the violent and accidental contact of a motor vehicle with any other automobile, vehicle or object; butexcluding loss or damage resulting from coming into contact with any portion of the roadbed or striking the rails or ties ofstreet or railroad, coming into contact with any stationary object in backing for loading or unloading purposes, the comingtogether of a truck and trailer during coupling or uncoupling, or the collision of the insured property with any other object,unless the transporting vehicle is in a collision within the meaning applicable to this policy.

PROPERTY COVERED

Coverage A or B applies only if a Coverage Amount is shown.

1. Coverage A

We cover building materials and fixtures only, being theproperty of the insured, or for which the insured is legallyliable, while in transit and after arrival on the premises ofinstallation until the residence or building to which thiscoverage applies is completed and occupied by the insured.

2. Coverage B

We cover personal property owned by an insured, other thanbuilding materials and fixtures, while on the premises ofinstallation. At your request, we will cover personal propertyowned by others while the property is on the premises ofinstallation. This coverage applies until the residence orbuilding to which this coverage applies is completed andoccupied by the insured.

PROPERTY EXCLUDED

We do not cover:1. any contractor's, subcontractor's, developer's or real estate

agent's property or interests,2. building materials, fixtures and personal property for a

residence being constructed for sale;3. machinery, tools, equipment, supplies or similar property that

do not become a permanent part of the described projectunless a Coverage Amount is shown for Coverage B and thenonly up to the Coverage Amount shown. (Coverage B doesnot include contractor's equipment and other tools that belongto a contractor or subcontractor.);

4. a plan, blueprint, design or specification;5. trees, grass, sod, shrubbery or plants;6. articles separately described and specifically insured in other

insurance;7. animals, birds or fish;8. motor vehicles or all other motorized land conveyances. This

includes:a. their equipment and accessories; orb. electronic apparatus that is designed to be operated solely

by use of the power from the electrical system of motorvehicles or all other motorized land conveyances.Electronic apparatus includes:(1) accessories or antennas; or(2) tapes, wires, records, discs or other media;for use with any electronic apparatus.

The exclusion of property described in 8.a. and 8.b. aboveapplies only while the property is in or upon the vehicle orconveyance.

We do cover vehicles or conveyances not subject to motorvehicle registration which are:a. used to service an insured's residence; orb. designed for assisting the handicapped;

BIF-1 (02-94)

Page 2 of 2BIF-1 (02-94).DOC

9. aircraft and parts. Aircraft means any contrivance used ordesigned for flight, except model or hobby aircraft not used ordesigned to carry people or cargo;

10. property of roomers, boarders and other tenants, exceptproperty of roomers and boarders related to an insured;

11. property in an apartment regularly rented or held for rental toothers by an insured;

12. property rented or held for rental to others;13. property that is held for sale;14. credit cards or fund transfer cards; or15. business data, including such data stored in:

a. books of account, drawings or other paper records; orb. electronic data processing tapes, wires, records, discs or

other software media.

However, we do cover the cost of blank recording or storagemedia, and of prerecorded computer programs available onthe retail market.

COVERAGE AMOUNT

We shall not be liable during the policy period for an aggregateamount of insurance greater than the Coverage Amount shown in theDeclarations.

PERILS COVERED

We cover direct physical loss to covered property:1. while in transit caused by:

a. fire;b. lightning;c. windstorm;d. hail;e. explosion;f. smoke;g. aircraft, spacecraft and self-propelled missiles. This

includes objects that fall from these items;h. collision, derailment, upset or overturn of a transporting

land vehicle;i. collapse of a bridge or culvert; orj. vandalism.

2. while on the premises of installation caused by:a. theft, except as excluded.

PERILS EXCLUDED

We do not pay for a loss if one or more of the following excludedperils apply to the loss, regardless of other causes or events thatcontribute to or aggravate the loss, whether such causes or eventsact to produce the loss before, at the same time as, or after theexcluded peril. We do not pay for a loss that results from:

1. a dishonest or illegal act, alone or in collusion with another, by:a. you;b. others who have an interest in the property;c. others to whom you entrust the property; ord. the employees or agents of a., b. or c., whether or not they

are at work.We do cover loss caused by dishonest acts by carriers or otherbailees for hire;

2. swindling, fraud, trick or false pretense;3. the acceptance of:

a. counterfeit money or fraudulent post office or expressmoney orders; or

b. checks or promissory notes that are not paid uponpresentation;

4. mysterious disappearance or unexplained loss;5. any cause when the only proof that a loss occurred is an

inventory shortage;6. corrosion or rust;7. rot or mold;8. dampness of atmosphere;9. expansion or contraction due to a change in temperature;

10. rain, sleet, snow, ice or freezing;11. the weight of a load when it exceeds the designed capacity of

a machine to lift, move or support the load from any position;12. the shifting of a load, poor packing or rough handling during

loading or unloading or while in transit unless caused bycollision, upset or overturn of a transporting land vehicle;

13. electrical appliances or devices of any kind (including wiring)arising from electrical injury or disturbance to said electricalappliance, devices or wiring from artificial causes unless fireensues while in transit, and then only for loss, damage orexpense caused by or resulting from such fire; or

14. strikers, locked-out workers or persons taking part in labordisturbances or riots or civil commotion.

There are other perils that are not covered. These are listed in theInland Marine General Terms.

MINIMUM EARNED PREMIUM

The minimum earned premium for this policy, regardless of the policyperiod, shall be the premium shown in the Declarations.

RADIUS OF OPERATION

Coverage under this policy shall only apply to direct loss or damageby any of the perils specified herein occurring within a radius of50 miles of the residence or building under construction. Any loss ordamage occurring elsewhere shall not be covered.

RESTORING THE COVERAGE AMOUNT

This replaces the "Restoring the Coverage Amount" provision in theInland Marine General Terms. Any payment of loss shall reduce theremaining aggregate Coverage Amount by the amount of paymentmade, unless the policy is endorsed to increase coverage to theoriginal Coverage Amount and the additional premium due is paid.

VALUATION

This replaces the "Valuation" provision in the Inland Marine GeneralTerms. The value of the property will be its Actual Cash Value at thetime of loss. This value includes:

1. labor charges;2. transportation costs;3. the cost of insurance; and4. taxes.

IM-175-5 (08-84)

Copyright, AAIS, 1984 Page 1 of 1 IM-175-5 (08-84).DOC

This endorsement changes the Personal Articles Coverage.



JEWELRY DEDUCTIBLE

Coverage for jewelry is restricted as follows. DEDUCTIBLE

The following deductible amount will apply to each loss after all other adjustments have been made.

$ This deductible applies separately to each covered item or only to the items listed below:

The deductible does not apply to a total loss of an item.

IM-212 (09-85)

Copyright, AAIS, 1985 Page 1 of 1 IM-212 (09-85).DOC

This Inland Marine coverage is subject to the terms shown below. The Inland Marine General Terms also apply.


GUN COVERAGE


Each item that is covered must be described below, or on a schedule that is a part of this policy. A coverage amount must be shown for each item. This is the most that we will pay for a loss to that item.

Described Item Coverage Amount 1. $ 2. $ 3. $ 4. $ 5. $ 6. $ 7. $ 8. $ 9. $ 10. $ DEDUCTIBLE

The following deductible amount will apply to each loss after all other adjust-ments have been made.

$

COINSURANCE

You must maintain a minimum coverage amount for each described item. This minimum coverage amount is the full actual cash value of the described item. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of a loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percentage will be applied to the final adjusted loss to determine the amount that we will pay.

PROPERTY COVERED

We cover only those described items for which a coverage amount is shown. PERILS COVERED

We cover direct physical loss to covered property unless the loss is caused by a peril that is excluded. The loss must be due to an external cause. PERILS EXCLUDED

We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril. We do not pay for a loss that results from:

1. theft from an unattended vehicle except when it is securely locked and its windows are fully closed. We do cover loss caused by theft only when there is visible evidence that

entry into the vehicle is forced. This exclusion does not apply to property in the custody of a common or contract carrier.

2. corrosion or rust.

3. marring or scratching.

4. a process to repair, retouch, rebuild, service or maintain the covered property. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

5. a refinishing or bluing process.

6. the fitting of an accessory or attachment.

7. the firing, fouling or explosion of a firearm.

There are other perils that are not covered. These are listed in the Inland Marine General Terms. TERRITORY WHERE COVERAGE APPLIES

Coverage applies only while the property is in the United States, Canada or Puerto Rico. This includes property that is in transit except to or from Alaska, Hawaii or Puerto Rico.

IM-282 (12-89)

Page 1 of 1 IM-282 (12-89).DOC



WEDDING PRESENTS COVERAGE

(The information required below may be shown in the Declarations.)

WEDDING DATE Coverage Amount The most that we will pay for all covered property in the event of a loss is: $

PROPERTY COVERED

We cover wedding presents that belong to you. This coverage expires 90 days after the wedding date shown in this policy.

PROPERTY EXCLUDED

We do not cover: 1. real property. 2. money. This means currency, coins, bank notes,

money orders, traveler's checks, bullion and similar items.

3. securities. These are any negotiable or nonnegotiable agreements in writing that have value. They include revenue stamps, other stamps in current use, and tokens or tickets.

4. accounts, bills, deeds or an evidence of debt. 5. passports or other documents. 6. self-propelled vehicles that are designed for highway

use. 7. aircraft. 8. watercraft. 9. mobile homes. PERILS COVERED


We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril. We do not pay for loss that results from: 1. dampness of atmosphere.

2. expansion or contraction due to a change in

temperature. 3. breakage, marring or scratching of statuary, marble,

glass, china, porcelains, furniture, or other fragile items. We do cover these losses if they are caused by fire; lightning; windstorm; hail; earthquake; flood; smoke; explosion; aircraft, spacecraft and self-propelled missiles, and objects that fall from these items; vehicles, including an accident to a transporting vehicle; strike; riot; civil commotion; vandalism; theft; attempted theft; sprinkler leakage; or the collapse of buildings.

4. a process to repair, adjust, service or maintain the covered property. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

5. mechanical breakdown or failure. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

6. electrical currents, other than those caused by lightning, that damage an electrical apparatus or its wiring. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

There are other perils that are not covered. These are listed in the Inland Marine General Terms.

IM-458-1-NH (01-12)

Includes copyrighted material of American Association of Insurance Services with its permission.

Page 1 of 1 IM-458-1-NH (01-12).DOC

REDUCTION IN COVERAGE - LIMITED THEFT Coverage is extended as follows: PERILS COVERED We cover direct loss to property caused by theft. PERILS EXCLUDED We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril. We do not pay for loss which results from: 1. theft from an unattended vehicle except when it is

securely locked and its windows are fully closed.

We do cover loss caused by theft only when there is visible evidence that entry into the vehicle is forced. This exclusion does not apply to property in the custody of a common or contract carrier.

2. theft from a tool box located in the open bed of a truck. We do cover loss caused by theft only when there is visible evidence that the tool box has been broken into or forcibly removed from the truck bed. The tool box must be permanently attached to the truck bed and securely locked.

3. theft of covered property left overnight in a building or structure. We do cover loss caused by theft only when there is visible evidence that entry into the building or structure is forced.

This endorsement changes the Inland Marine coverage.

If a coverage is shown on the line below, this endorsement applies only to that coverage.

PLEASE READ THIS CAREFULLY.

IM-851 (06-84)




FARM MACHINERY BLANKET COVERAGE

(The information required below may be shown on separate schedule or supplemental Declarations.)

Coverage Amount The most that we will pay in the event of a loss is: $ DEDUCTIBLE

The following deductible amount will apply to each loss after all other adjustments have been made: $ COINSURANCE

You must maintain a minimum coverage amount. This minimum coverage amount is 80 percent of the full actual cash value of all covered property. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of a loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percent will be applied to the final adjusted loss to determine the amount that we will pay.

PROPERTY COVERED

We cover your mobile farm machinery and equipment, including accessories, tools, and spare parts. The tools and spare parts must be designed for use in operating and maintaining the farm machinery and equipment.

We also cover similar property that belongs to others and for which you are liable. PROPERTY EXCLUDED

We do not cover: 1. cotton pickers. 2. harvester combines. 3. self-propelled vehicles that are designed or licensed for

highway use. 4. aircraft. 5. watercraft. 6. recreational vehicles. 7. tires or tubes mounted on vehicles. We do cover tires and

tubes mounted on covered vehicles if: a. the loss is caused by fire, windstorm, theft, or

vandalism; or b. the loss is caused by a covered peril which also

damages the vehicle.

PERILS COVERED We cover direct physical loss to covered property unless the loss is caused by a peril that is excluded. The loss must be due to an external cause.

PERILS EXCLUDED

We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril. We do not pay for a loss that results from: 1. a dishonest or illegal act, alone or in collusion with another,

by: a. you; b. others who have an interest in the property; c. others to whom you entrust the property; or d. the employees or agents of a., b., or c. whether or not

they are at work. We do cover the loss caused by dishonest acts by carriers or other bailees for hire.

2. dampness of atmosphere. 3. extremes of temperature. 4. a process to repair, adjust, service, or maintain the

covered property. If a fire or explosion results, we do cover the loss caused by the fire or explosion.




IM-851 (06-84)


TERRITORY WHERE COVERAGE APPLIES Coverage applies only while the property is in the United

States, Canada, or Puerto Rico. This includes property in transit except to or from Alaska, Hawaii, or Puerto Rico.

IM-860 (06-84)




SCHEDULED LIVESTOCK COVERAGE


DESCRIBED LIVESTOCK 1. Schedule A - For each type of livestock described below, the coverage amount shown is the

most that we will pay for a loss:

Type Coverage Amount Type Coverage Amount

a. Dairy Cattle d. Hogs $ $ $ $ $ $ $ $ b. Beef Cattle e. Horses $ $ $ $ $ $ $ $ f. Mules $ c. Sheep $ $ $ g. Goats $ $ $ $ 2. Schedule B - For each animal described below, the coverage amount shown is the most that

we will pay for a loss.

Breed Name Gender Tag or ID Number Coverage Amount $ $ $ $ $ $ DEDUCTIBLE The following deductible amount will apply to each loss after all other

adjustments have been made.

$

ESTIMATED VALUE PER ANIMAL Cattle $ Sheep $ Hogs $ Horses $ Mules $ Goats $ DEFINITIONS In addition to the definitions in the Inland Marine General Terms, the following definitions apply.

1. A calf is a bovine that is less than one year old. 2. A lamb is a sheep that is less than six months old. 3. A pig is a hog that weighs less than 100 pounds. 4. A foal is a horse that is less than one year old. 5. A kid is a goat that is less than six months old.

IM-860 (06-84)


LIVESTOCK COVERED

We cover the described livestock which belongs to you and for which a coverage amount is shown. EXTENSION OF COVERAGE

We cover livestock acquired during the policy period. We cover these animals for a period up to 30 days after they are acquired. You must provide us with a complete description of these animals within this 30-day period and pay the additional premium.

We cover these animals for their actual cash value. The most that we will pay for all such animals is 25 percent of the coverage amount for all covered livestock.

This coverage will end at the earliest of the following:

1. when the newly acquired livestock is reported to us.

2. at the end of the reporting period.

3. at the expiration date of this policy. PERILS COVERED

1. We cover death of covered livestock caused or

made necessary by: a. fire. b. lightning. c. windstorm. d. hail. e. explosion. f. strike, riot or commotion. g. vehicles. This means the physical contact of a

vehicle with the covered livestock, except as excluded.

h. earthquake. i. flood. This means the overflow of a river,

stream or body of water. j. collision, derailment, upset or overturn of a

transporting land vehicle. k. collapse of a bridge or culvert. l. stranding, sinking, burning or colliding of

vessels. This includes: (1) your share of the loss when property is

thrown overboard to insure the safety of a vessel carrying covered livestock when that vessel is endangered by these perils; and

(2) your share of the cost to save property when endangered by these perils.

2. We cover direct loss caused by theft of covered livestock.

PERILS EXCLUDED


1. a dishonest or illegal act, alone or in collusion with another, by: a. you; b. others who have an interest in the livestock; c. others to whom you entrust the livestock; or d. the employees or agents of a., b. or c., whether

or not they are at work.

We do cover loss caused by a dishonest act by carriers or other bailees for hire.

2. swindling, fraud, trick or false pretense.

3. the acceptance of: a. counterfeit money, fraudulent post office or

express money orders; or b. checks or promissory notes which are not paid

upon presentation.

4. mysterious disappearance.

5. escape.

6. vehicles owned or operated by you, your employees or tenants.

There are other perils that are not covered. These are listed in the Inland Marine General Terms. VALUATION

This replaces the “Valuation” provision in the Inland Marine General Terms.

1. Livestock covered in Schedule A will be valued at the smallest of the following amounts: a. the amount shown under “Estimated Value Per

Animal.” b. 120 percent of the amount that is obtained by

dividing the coverage amount for the type of livestock covered by the number of animals of that type.

c. the actual cash value of the animal.

Each calf, lamb, pig, foal or kid will be valued at 50 percent of these amounts unless described separately.

2. Livestock covered in Schedule B will be valued at the smaller of the following amounts: a. the coverage amount shown. b. the actual cash value of the animal.

IM-860-5 (06-84)

Copyright, AAIS, 1984 Page 1 of 1IM-860-5 (06-84).DOC

This endorsement changes the Livestock Coverage.


OPTIONAL PERILS COVERAGE

Livestock coverage is extended as follows.

PERILS COVERED

We cover death of covered livestock caused or made necessary by:

1. accidental shooting. We do not cover loss that results from accidental shooting by you, your relatives, employees ortenants.

2. drowning.3. electrocution.4. attack by a dog or wild animal.5. collapse of a building or other structure.

IM-861 (06-84)




LIVESTOCK COVERAGE

(The information required below may be shown on a separate schedule or supplemental Declarations.) DESCRIBED LIVESTOCK Coverage Amount Class For Each Animal For All Animals 1. Cattle $ $ 2. Sheep $ $ 3. Hogs $ $ 4. Horses $ $ 5. Mules $ $ 6. Goats $ $ DEDUCTIBLE


COINSURANCE

You must maintain a minimum coverage amount. This minimum coverage amount is 80 percent of the full actual cash value of all covered livestock. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of a loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percent will be applied to the final adjusted loss to determine the amount that we will pay.

LIVESTOCK COVERED

We cover the described livestock which belongs to you and for which a coverage amount is shown. PERILS COVERED

1. We cover death of covered livestock caused or made

necessary by: a. fire. b. lightning. c. windstorm. d. hail. e. explosion. f. strike, riot or civil commotion. g. vehicles. This means the physical contact of a vehicle

with covered livestock except as excluded. h. earthquake. i. flood. This means the overflow of a river, stream or

body of water. j. collision, derailment, upset or overturn of a

transporting land vehicle. k. collapse of a bridge or culvert. l. stranding, sinking, burning or colliding of vessels. This

includes:

(1) your share of the loss when property is thrown overboard to insure the safety of a vessel carrying covered livestock when that vessel is endangered by these perils; and

(2) your share of the cost to save property when endangered by these perils.

2. We cover direct loss caused by theft of covered livestock. PERILS EXCLUDED


by: a. you; b. others who have an interest in the livestock; c. others to whom you entrust the livestock; or d. the employees or agents of a., b. or c., whether or not

they are at work. We do cover loss caused by a dishonest act by carriers or other bailees for hire.

IM-861 (06-84)


2. swindling, fraud, trick or false pretense. 3. the acceptance of:

a. counterfeit money, fraudulent post office or express money orders; or

b. checks or promissory notes which are not paid upon presentation.

4. mysterious disappearance. 5. escape. 6. vehicles owned or operated by you, your employees or

tenants. There are other perils that are not covered. These are listed in the Inland Marine General Terms.

TERRITORY WHERE COVERAGE APPLIES

Coverage applies only while the property is in the United States, Canada or Puerto Rico. This includes property in transit except to or from Alaska, Hawaii or Puerto Rico.

IM-901 (08-84)



- PLEASE READ THIS CAREFULLY-

SCHEDULED PROPERTY COVERAGE


Each item that is covered must be described below or on a schedule that is a part of this policy. A coverage

amount must be shown for each item. This is the most that we will pay for a loss to that item.

Described Item Coverage Amount 1. $ 2. $ 3. $ 4. $ 5. $ 6. $ 7. $ 8. $ 9. $ 10. $ DEDUCTIBLE The following deductible amount will apply to each loss after all other adjustments have been made. $ COINSURANCE You must maintain a minimum coverage amount for each described item. This minimum coverage amount is

the full actual cash value of the described item. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of a loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percent will be applied to the final adjusted loss to determine the amount that we will pay.

PROPERTY COVERED




by:

a. you; b. others who have an interest in the property; c. others to whom you entrust the property; or d. the employees or agents of a., b. or c., whether or not

they are at work. We do cover loss caused by dishonest acts by carriers or other bailees for hire.


a. counterfeit money or fraudulent post office or express money orders; or


4. mysterious disappearance. 5. any cause when the only proof that a loss occurred is an

inventory shortage. 6. breakage of glass or similar fragile items. We do cover

breakage if it is caused by fire; lightning; windstorm; hail; earthquake; flood; smoke; explosion; aircraft, spacecraft, self-propelled missiles, and objects that fall from these

IM-901 (08-84)


items; vehicles, including an accident to a transporting vehicle; strike; riot; civil commotion; vandalism; theft; attempted theft; sprinkler leakage or collapse of buildings.





Coverage applies only while the property is in the United States, Canada, or Puerto Rico. This includes property that is in transit, except to or from Alaska, Hawaii or Puerto Rico.

IM-902-NH (01-12)


Page 1 of 2 IM-902-NH (01-12).DOC



SCHEDULED PROPERTY COVERAGE REDUCTION IN COVERAGE TO NAMED PERIL

(The information required below may be shown on a separate schedule or supplemental Declarations.) Each item that is covered must be described below or on a schedule that is a part of this policy. A

coverage amount must be shown for each item. This is the most that we will pay for a loss to that item.



$

COINSURANCE

You must maintain a minimum coverage amount for each described item. This minimum coverage amount is the full actual cash value of the described item. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of a loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percent will be applied to the final adjusted loss to determine the amount that we will pay.

PROPERTY COVERED We cover only those described items for which a coverage amount is shown. PERILS COVERED We cover direct physical loss to covered property caused by: 1. fire; 2. lightning; 3. windstorm;

4. hail; 5. collision, derailment, upset, or overturn of a

transporting land vehicle; 6. collapse of a bridge or culvert; or 7. stranding, sinking, burning, or colliding of

vessels. This includes: a. your share of the loss when property is

thrown overboard to insure the safety of a vessel carrying covered property when that vessel is endangered by these perils; and

b. your share of the cost to save property when endangered by these perils.

IM-902-NH (01-12)


Page 2 of 2 IM-902-NH (01-12).DOC

PERILS EXCLUDED We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril. We do not pay for a loss that results from: 1. a dishonest or illegal act, alone or in collusion

with another, by: a. you; b. others who have an interest in the property; c. others to whom you entrust the property; or d. the employees or agents of a., b., or c.,

whether or not they are at work. We do cover loss caused by dishonest acts by carriers or other bailees for hire.




4. mysterious disappearance. 5. any cause when the only proof that a loss

occurred is an inventory shortage.

6. breakage of glass or similar fragile items. We do cover breakage if it is caused by a covered peril.

7. a process to repair, adjust, service, or maintain the covered property. If a fire or explosion results, we do cover the loss caused by the fire or explosion.



10. collision with covered property by vehicles owned or operated by you.

11. the coupling or uncoupling of a railroad car. There are other perils that are not covered. These are listed in the Inland Marine General Terms. TERRITORY WHERE COVERAGE APPLIES Coverage applies only while the property is in the United States, Canada, or Puerto Rico. This includes property that is in transit, except to or from Alaska, Hawaii, or Puerto Rico.

IMU-175 (12-89)

Page 1 of 3 IMU-175 (12-89).DOC



PERSONAL ARTICLES COVERAGE


Each item of the following classes of property must be described on a schedule that is a part of this

policy. A coverage amount must be shown for each item. This is the most that we will pay for a loss to that item. The coverage amounts shown below are the most that we will pay for all items of each class of property that is covered.

Class of Property Coverage Amount

1. Bicycles $ 2. Fine arts $ 3. Furs $ 4. Jewelry $ 5. Musical instruments $ 6. Photographic equipment $

The coverage amounts shown below are the most that we will pay for each class of property indicated. A coverage amount must be shown for coverage to apply. At the insured’s option, items in each class may be scheduled. Each scheduled item that is covered must be described on a schedule that is a part of this policy. A coverage amount must be shown for each scheduled item. This is the most that we will pay for a loss to that item.

7. Coins $ 8. Golfers’ equipment $ 9. Silverware, goldware or pewterware $ 10. Stamps $

Unless the item is described on a schedule that is a part of this policy, $250 is the most that we will pay for each:

a. single coin, but not more than $1,000 per occurrence; or b. single stamp, or pair, block, series, sheet, cover, frame or card of

stamps

DEDUCTIBLE

For each class of property shown below, the following deductible amounts will apply to each loss after all other adjustments have been made:

1. Bicycles $ 2. Fine arts $ 3. Golfers’ equipment $ 4. Musical instruments $ 5. Photographic equipment $

COINSURANCE

This clause applies only to stamps that are not described on a schedule. It applies separately to each class.

You must maintain a minimum coverage amount. This minimum coverage amount is the full Actual Cash Value of all covered property in the class. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of a loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percent will be applied to the final adjusted loss to determine the amount that we will pay.

IMU-175 (12-89)

Page 2 of 3 IMU-175 (12-89).DOC

PROPERTY COVERED

1. Scheduled Items - We cover only those items for which a coverage amount is shown.

2. Covered Property That Is Not Scheduled - We cover only those classes of property that belong to an insured and for which a coverage amount is shown. We also cover similar property that belongs to others and for which an insured is liable.

EXTENSIONS OF COVERAGE

We cover items acquired during the policy period as follows, but only if we already cover the class of property:

1. Fine Arts We cover these items for a period of up to 90 days after they are acquired. You must provide us with a complete description of each item within this 90-day period and pay the additional premium.

We cover these items for their Actual Cash Value. The most that we will pay for all such items is 25 percent of the coverage amount shown for fine arts.

2. Furs, Jewelry, Musical Instruments and Photographic Equipment We cover these items for a period up to 30 days after they are acquired. You must provide us with a complete description of each item within this 30-day period and pay the additional premium.

We cover these items for their Actual Cash Value. The most that we will pay for all such items will be the smaller of the following: a. 25 percent of the coverage amount shown for the

class of property that the item belongs to; or b. $10,000 for each class.

These Extensions of Coverage will end at the earliest of the following: 1. when the newly acquired items are reported to us. 2. the end of the reporting period that applies. 3. the expiration date of this coverage. PROPERTY EXCLUDED

We do not cover: 1. coins and stamps while they are in transit or shipped

by mail. We do cover these items when they are shipped by registered mail.

2. fine arts that are on display at fairgrounds or at a national or international exposition unless these locations are shown for this coverage.

3. golfers' equipment that is held for sale. 4. musical instruments or photographic equipment used

professionally. PERILS COVERED

1. Except for golf balls, we cover direct physical loss to covered property unless the loss is caused by a peril that is excluded. The loss must be due to an external cause.

2. We cover direct physical loss to golf balls caused by fire or burglary.

PERILS EXCLUDED

For the classes of property shown below, we do not pay for loss if one or more of the excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril.

1. Bicycles We do not pay for loss that results from: a. corrosion or rust.

CLASS DESCRIPTIONS Coins are a collection of rare or current coins, medals, paper money, bank notes, tokens, money or other numismatic property. They include albums, containers, frames, cards and display cabinets used with the collection.

Furs are fur garments or garments trimmed with fur or that consist principally of fur.

Golfer’s equipment is golf clubs, bags, golf clothing and other golfing equipment. It includes street clothes kept in a locker while an insured is golfing.

Musical instruments are musical instruments, sheet music, music stands, cases and related equipment.

Photographic equipment is cameras, projectors, films, screens and related equipment.

Silverware, goldware and pewterware includes items plated with gold or silver. This class does not include pens, pencils, flasks, smoking implements or jewelry.

Stamps are postage stamps, covers, locals, reprints, essays, proofs and other philatelic property. They include books, albums, pages and mounting used with the collection.

IMU-175 (12-89)

Page 3 of 3 IMU-175 (12-89).DOC

b. a process to repair, adjust, service or maintain the covered property. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

c. mechanical breakdown or failure. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

2. Coins or Stamps We do not pay for a loss that results from: a. the mysterious disappearance of individual coins

or stamps from a collection. We cover loss caused by this peril if the item is: (1) described on a schedule that is a part of this

policy. (2) mounted in a volume if the page to which it is

attached is also missing. b. theft from an unattended vehicle. c. dampness of atmosphere. d. extremes of temperature. e. fading, creasing, scratching, denting, tearing or

thinning. f. transfer of colors. g. the handling of or working on the property.

3. Fine Arts We do not pay for a loss that results from: a. breakage of art glass windows, statuary, marbles,

glassware, bric-a-brac, porcelains or similar fragile items. We do cover breakage if it is caused by fire; lightning; windstorm; hail; earthquake; flood; smoke; explosion; aircraft, spacecraft or self-propelled missiles, or objects that fall from these items; vehicles, or an accident to a transporting vehicle; strike; riot; civil commotion; vandalism; theft; attempted theft; sprinkler leakage or collapse of buildings.

b. a process to repair, retouch, restore, adjust, service or maintain the covered property. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

4. Musical Instruments We do not pay for a loss that results from: a. a process to repair, adjust, service or maintain

the covered property. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

b. mechanical or electrical breakdown or failure. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

There are other perils that are not covered. These are listed in the Inland Marine General Terms. They apply to all classes of covered property. TERRITORY WHERE COVERAGE APPLIES

1. Fine Arts Coverage applies only while the property is in the United States, Canada or Puerto Rico. This includes property in transit except to or from Alaska, Hawaii or Puerto Rico.

2. All Other Property Coverage applies while the property is anywhere in the world.

VALUATION

This replaces the "Valuation" provision in the Inland Marine General Terms. The value of the property will be based on the following amounts:

1. Fine Arts Each item will be valued at the coverage amount shown for the item.

2. All Other Property The valuation is based on the Actual Cash Value of the property at the time of loss.

IMU-176 (12-89)

Copyright, AAIS, 1989 Page 1 of 3 IMU-176 (12-89).DOC



PERSONAL PROPERTY COVERAGE

(The information required below may be shown on the Declarations.)

For each situation described below, the coverage amount shown is the most that we will pay for a

loss.

Coverage Amount Coverage A - Personal Property $ Limitations on Certain Property. These special limits do not increase

the coverage amount. The special limit for each category below is the total limit per occurrence for all property in that category.

1. $2,000 on jewelry, watches, precious and semiprecious stones,

gems and furs.

This limit does not apply to losses caused by fire, lightning,

windstorm, hail, explosion, smoke, strike, riot, civil commotion, vehicles, nor by aircraft, spacecraft and self-propelled missiles including objects that fall from these items.

2. $1,000 on securities, accounts, deeds, evidence of debt, letters of

credit, notes other than bank notes, manuscripts, passports, tickets and stamps.

3. $200 on money, bank notes, bullion, gold other than goldware,

silver other than silverware, platinum, coins, and medals.

Coverage B - Personal Effects $ We will pay no more than $500 on jewelry, watches, precious and

semiprecious stones, gems and furs. This limit does not increase the coverage amount.

DEDUCTIBLE

The Deductible shown on the Declarations applies per occurrence to all coverages provided by this form. We pay only that part of that loss over the Deductible shown on the Declarations.

PROPERTY COVERED

Coverage A or B applies only if a coverage amount is shown.

1. Coverage A

We cover personal property that belongs to an insured. We also cover similar property that belongs to: a. others if the property is used by an insured or is

on premises that you own or use.

b. your household employees while they are employed by you. The property must be in the custody of an employee.

2. Coverage B

We cover personal effects owned or used by an insured. This is property that is usually carried by a tourist or traveler.

IMU-176 (12-89)


EXTENSIONS OF COVERAGE

The extensions of coverage apply only if Coverage A is provided. They do not increase the coverage amount shown.

1. Building Damage

We cover damage caused by thieves or vandals to the interior of a residence that you own or occupy.

2. Damage to Improvements

We cover improvements, alterations or additions that you have made to: a. a condominium unit that you own or occupy; or b. a residence that you occupy but do not own.

We cover direct physical loss to this property caused by fire, lightning, windstorm, hail, explosion, smoke, by aircraft, spacecraft and self-propelled missiles including objects that fall from these items, and by vehicles, strike, riot and civil commotion.

3. Secondary Residence

We cover personal property that belongs to an insured which is normally kept at a residence other than your principal residence.

The most that we will pay for this property is 10 percent of the coverage amount shown for all personal property unless we provide a higher limit by endorsement.

PROPERTY EXCLUDED

1. Coverages A and B

The following exclusions apply to Coverage A and Coverage B.

We do not cover: a. property at a residence owned or used by an

insured other than the principal residence, except as provided under “Extensions of Coverage.”

b. property used for business. We do cover professional books, instruments and equipment owned by an insured that are on premises which you own or occupy.

c. the property of a government. d. property that is on display at fairgrounds or at a

national or international exposition unless these locations are shown for this coverage.

e. the following: (1) motorized vehicles. This does not apply to

invalid chairs or similar conveniences. (2) mobile homes. (3) aircraft. (4) watercraft. (5) trailers.

We do cover their parts and accessories while they are removed from the item and are on premises that you own or use.

f. all animals, including birds and fish.

2. Coverage B

The following additional exclusions apply only to Coverage B.

We do not cover: a. property that is stored away from premises you

own or use. We do cover incidental storage while an insured is traveling.

b. property in the custody of a student while on the premises of a: (1) school or college. (2) sorority house, fraternity house or

dormitory. We do cover this property if the loss is caused by fire.

c. property that is on your premises. d. money. This means currency, coins, bank

notes, money orders, travelers checks, bullion and similar items.

e. securities. These are negotiable or nonnegotiable agreements in writing that have value. They include revenue stamps, other stamps in current use, tokens or tickets.

f. accounts, bills, deeds, an evidence of debt or other valuable papers.

g. contact lenses or hearing aids. h. artificial limbs or teeth. i. household furniture.

PERILS COVERED


We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril.

1. Coverages A and B

The following exclusions apply to Coverage A and Coverage B:

We do not pay for a loss that results from: a. a process to repair, adjust, service or maintain

the covered property. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

IMU-176 (12-89)


b. the following: (1) marring or scratching. (2) breakage of eyeglasses, glass, statuary,

porcelains and similar brittle or fragile items.

We do cover these losses if they are caused by fire, lightning, windstorm, hail, earthquake, flood except where excluded, explosion, smoke, vehicles including an accident to a transporting vehicle, by aircraft, spacecraft and self-propelled missiles including objects that fall from these items, and by strike, riot, civil commotion, vandalism, theft, sprinkler leakage, or collapse of buildings.

2. Coverage A

The following additional exclusions apply only to Coverage A.

We do not pay for a loss that results from: a. dampness of atmosphere. b. extremes of temperature. c. mechanical breakdown or failure.

If a fire or explosion results, we do cover the loss caused by the fire or explosion.

d. electrical currents, other than those caused by lightning, that damage an electrical apparatus or its wiring. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

e. water. This means: (1) flood, surface water, waves, tidal water or

the overflow of a body of water. This includes spray that results from these, whether driven by wind or not.

(2) water that backs up through a sewer or drain.

(3) water below the surface of the ground. This includes water that exerts pressure on or flows, seeps or leaks into a building, sidewalk, foundation or other structure, or through a door, window or other opening.

If a fire, explosion or theft results, we do cover the loss caused by the fire, explosion, or theft. We do cover loss caused by water to property away from premises you own or occupy.

f. animals owned by the insured. If a fire, explosion or smoke results, we do cover the loss caused by the fire, explosion or smoke.

3. Coverage B

The following additional exclusion applies only to Coverage B.

We do not pay for a loss that results from theft from an unattended vehicle, except when it is securely locked and its windows fully closed.

We do cover loss caused by theft only when there is visible evidence that entry into the vehicle is forced. The most that we will pay for a covered loss from an unattended vehicle is the smaller of the following: a. 10 percent of the coverage amount shown for

Coverage B. b. $250.

There are other perils that are not covered. These are listed in the Inland Marine General Terms. They apply to Coverage A and Coverage B. TERRITORY WHERE COVERAGE APPLIES

Coverage applies while the property is anywhere in the world.

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Page 1 of 1 IMU-178 (10-93).DOC

This endorsement changes the Personal Articles Coverage.


FUR DEPRECIATION

(The information required below may be shown in the Declarations.) In consideration of the premium at which this policy is written, it is agreed that at the first renewal, all furs, or articles trimmed with fur, scheduled shall be insured for % less than the initial amount insured. A further reduction of % shall be made each year at the subsequent renewal date. All other terms of this policy apply.

IMU-179 (10-06)

Page 1 of 1 IMU-179 (10-06).DOC

This endorsement changes the policy.

- PLEASE READ IT CAREFULLY -

JEWELRY IN VAULTS

For a premium credit, you agree that the item(s) listed below will be kept in a vault at a financial institution.

Property scheduled above removed from the financial institution will not be covered unless you: a. notify us in advance of removal; and b. pay an additional premium for the period of time the item(s) are away from the financial institution. All other terms of this policy apply.

IMU-215 (01-91)




SPORTS EQUIPMENT COVERAGE

(The information required below may be shown on a separate schedule or supplemental Declarations.) Coverage Amount 1. Coverage A - Scheduled Items

Each item that is covered must be described below, or on a schedule that is a part of this policy. A coverage amount must be shown for each item. This is the most that we will pay for a loss to that item.

Described Item

a. $ b. $ c. $ d. $ 2. Coverage B - Unlisted items

Covered property consists of: a. The most that we will pay for a loss to all unlisted items of sports

equipment is:

$

b. The most that we will pay for each item of unlisted sports equipment, subject to a. above is:

$

DEDUCTIBLE


$

COINSURANCE

You must maintain a minimum coverage amount. This minimum coverage amount is the full actual cash value of the covered property. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of the loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percent will be applied to the final adjusted loss to determine the amount that we will pay. This clause applies: 1. separately to each item described in Coverage A. 2. to all unlisted items in Coverage B.

PROPERTY COVERED

1. Coverage A

We cover only those described items for which a coverage amount is shown.

2. Coverage B

We cover your unlisted sports equipment. This includes accessories, spare parts and specialized clothing that relates to the sport.

IMU-215 (01-91)


PROPERTY EXCLUDED

We do not cover: 1. self-propelled vehicles. This includes motorcycles,

motor scooters, mini-bikes, trail bikes, mopeds, snowmobiles, dune buggies, all-terrain vehicles, and similar property.

2. mobile homes, camper vans, recreational vehicles, camper bodies, travel trailers, and similar property.

3. bicycles. 4. golf carts, golf clubs and other golfer’s equipment. 5. aircraft. This includes gliders, hang gliders, and hot air

balloons. 6. watercraft, outboard motors, and their appurtenances. 7. photographic equipment. 8. firearms. PERILS COVERED

We pay for direct physical loss to covered property unless the loss is caused by a peril that is excluded. The loss must be due to an external cause. PERILS EXCLUDED

We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril. We do not pay for a loss that results from: 1. a dishonest or illegal act, alone or in collusion with

another, by: a. you; b. others who have an interest in the property; c. others to whom you entrust the property; or d. the employees or agents of a., b., or c., whether or

not they are at work. 2. mysterious disappearance. 3. corrosion or rust.

4. extremes of or changes in temperature or humidity. 5. the following:

a. breakage of glass. b. marring or scratching. c. chipping, denting or pitting. d. tearing. e. fading or weathering.

We do cover these losses if they are caused by fire; lightning; windstorm; hail; explosion; sonic boom; earth movements; flood; aircraft, spacecraft, self-propelled missiles, and objects that fall from these items; vehicles, including an accident to a transporting vehicle; strike; riot; civil commotion; vandalism; theft or attempted theft, except as excluded; sprinkler leakage; weight of ice, snow or sleet; collapse of a building or structure unless the collapse is caused by an excluded peril.

6. mechanical breakdown or failure. This includes rupture or bursting caused by centrifugal force. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

7. actual work on or a process to construct, alter, adjust, repair, service or maintain covered property. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

8. fouling. 9. the fitting of an item with an accessory or attachment. 10. faulty manufacture or improper assembly. 11. use of the property for the purpose for which it was

intended.



IMU-235 (12-89)

Page 1 of 2 IMU-235 (12-89).DOC



SATELLITE DISH COVERAGE

(The information required below may be shown on a separate schedule or supplemental Declarations.) The satellite dish receiving system must be described below or on a schedule that is a part of this

policy. A coverage amount must be shown. This is the most that we will pay for a loss to this system.

DESCRIPTION OF THE SATELLITE DISH RECEIVING SYSTEM Manufacturer’s Name Model Serial Number Coverage Amount $ DEFINITIONS The satellite dish receiving system consists of the following items:

1. Antenna - usually a circular dish with a diameter of between 6 and 12 feet. 2. Feedhorn - object that receives reflected signals. 3. Amplifier - used to amplify the signal. 4. Down-converter - used to lower the frequency of the signal. 5. Satellite receiver - located inside the home and further refines the signal. 6. Actuator - device used to point the dish at the orbiting satellite. 7. Polar Mount - used to move the dish in an arc upwards from the horizon as well as to rotate in a

circle.

DEDUCTIBLE The following deductible amount will apply to each loss after all other

adjustments have been made. $

COINSURANCE You must maintain a minimum coverage amount for the satellite dish receiving system. This

minimum coverage amount is the full actual cash value of the described item. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of the loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percent will be applied to the final adjusted loss to determine the amount that we will pay.

IMU-235 (12-89)

Page 2 of 2 IMU-235 (12-89).DOC

PROPERTY COVERED

We cover only the described satellite dish receiving system for which a coverage amount is shown. PERILS COVERED

We cover direct physical loss to covered property, unless the loss is caused by a peril that is excluded. The loss must be due to an external cause. PERILS EXCLUDED

We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril. We do not pay for a loss that results from: 1. a dishonest or illegal act, alone or in collusion with

another, by: a. you; b. others who have an interest in the property; c. others to whom you entrust the property; or d. the employees or agents of a., b., or c., whether

or not they are at work. We do cover loss caused by dishonest acts by carriers or other bailees for hire.

2. mysterious disappearance. 3. dampness of atmosphere. 4. corrosion, rust or pitting. 5. expansion or contraction caused by a change in

temperature. 6. ice or the accumulation of ice. 7. a process to repair, adjust, service or maintain the






IMU-850 (12-89)

Page 1 of 2 IMU-850 (12-89).DOC



FARM MACHINERY SCHEDULED COVERAGE


Each item that is covered must be described below or on a schedule that is a part of this policy. A coverage amount must be shown for each item. This is the most that we will pay for a loss to that item.

Described Items Serial Number Coverage Amount 1. $ 2. $ 3. $ 4. $ 5. $ 6. $ 7. $ 8. $ 9. $ 10. $ 11. $ 12. $ 13. $ 14. $ 15. $ 16. $ 17. $ 18. $ 19. $ 20. $ 21. $ 22. $ 23. $ DEDUCTIBLE


COINSURANCE

You must maintain a minimum coverage amount. This minimum coverage amount is 80 percent of the full actual cash value of all covered property. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of a loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percent will be applied to the final adjusted loss to determine the amount that we will pay. This clause applies to each described item.

PROPERTY COVERED

We cover the described items for which a coverage amount is shown only while it is within 100 miles of the location where it is normally stored. The 100 mile limit does not apply if the covered property is being transported on your vehicles to or

from the place where such property is bought, sold, or serviced. EXTENSIONS OF COVERAGE

We cover items acquired during the policy period as follows:

IMU-850 (12-89)

Page 2 of 2 IMU-850 (12-89).DOC

1. Newly Acquired Items a. We cover mobile farm machinery and equipment

acquired during the policy period and which are not replacement items. We cover these items for a period up to 30 days after they are acquired. You must provide us with a complete description of each item within this 30-day period and pay the additional premium.

b. We cover these items for their actual cash value. The most that we will pay for all such items is 25 percent of the total coverage amount for all covered items.

c. This coverage will end at the earliest of the following: (1) when the newly acquired items are reported to

us. (2) the end of the reporting period shown above. (3) the expiration date of this policy.

2. Replacement Items a. We cover mobile farm machinery and equipment

acquired during the policy period to replace items that are covered. You must provide us with a complete description of each item and pay any additional premium. For 30 days after you acquire the item, the most that we will pay is the smaller of the following: (1) the coverage amount shown for the item replaced

plus an additional amount up to $25,000. (2) the actual cash value of the item.

b. If you do not report these items to us within the 30-day period and pay the additional premium, the most that we will pay for these items is the coverage amount shown for the items they replaced.

c. This coverage will end at the earlier of the following: (1) when the replacement item is reported to us. (2) the expiration date of this policy.

PROPERTY EXCLUDED

We do not cover: 1. self-propelled vehicles that are designed or licensed for

highway use. 2. aircraft. 3. watercraft. 4. recreational vehicles.

5. tires or tubes mounted on vehicles. We do cover tires and tubes mounted on covered vehicles if: a. the loss is caused by fire, windstorm, theft, or

vandalism; or b. the loss is caused by a covered peril which also

damages the vehicle. PERILS COVERED


We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril. We do not pay for loss that results from: 1. a dishonest or illegal act, alone or in collusion with another,

by: a. you; b. others who have an interest in the property; c. others to whom you entrust the property; or d. the employees or agents of a., b., or c., whether or not

they are at work. We do not cover loss caused by dishonest acts by carriers or other bailees for hire.

2. dampness of atmosphere. 3. extremes of temperature. 4. a process to repair, adjust, service, or maintain the





PTF-1 (12-89)

Page 1 of 2PTF-1 (12-89).DOC

This Inland Marine coverage is subject to the terms shown below.The Inland Marine General Terms also apply.


PORTABLE TOOLS AND EQUIPMENT COVERAGENAMED PERIL


Each item that is covered must be described below or on a schedule that is a part of this policy. A coverageamount must be shown for each item. This is the most that we will pay for a loss to that item.

ITEM DESCRIPTION COVERAGE AMOUNT(Manufacturer, Serial/Model Nos.)

DEFINITION

Collision means the violent and accidental contact of a motor vehicle with any other automobile, vehicle orobject; but excluding loss or damage resulting from coming into contact with any portion of the roadbed orstriking the rails or ties of street or railroad, coming into contact with any stationary object in backing forloading or unloading purposes, the coming together of a truck and trailer during coupling or uncoupling, orthe collision of the insured property with any other object, unless the transporting vehicle is in a collisionwithin the meaning applicable to this policy; but this does not include any claim for loss, damage or expenseby wear, tear or ordinary handling due to the mode of transportation.

DEDUCTIBLE

The following deductible amount will apply to each loss after all other adjustmentshave been made. $

COINSURANCE

You must maintain a minimum coverage amount for each described item. This minimum coverage amountis the full actual cash value of the described item. If the coverage amount at the time of loss is less than theminimum coverage amount, we will pay only a part of a loss. Our part of the loss will be determined bydividing the coverage amount by the minimum coverage amount. This percent will be applied to the finaladjusted loss to determine the amount that we will pay.

PROPERTY COVERED

We cover only those items for which a coverage amount isshown.

PROPERTY EXCLUDEDWe do not cover:

1. property that is held for sale.2. property that you rent to others.

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Page 2 of 2PTF-1 (12-89).DOC

3. building materials and supplies.4. plans, blueprints, designs or specifications.

PERILS COVEREDWe cover direct physical loss to covered property caused by:

1. fire.2. lightning.3. windstorm.4. hail.5. explosion.6. aircraft, spacecraft or self-propelled missiles. This

includes objects that fall from these items.7. earthquake. This includes landslide, mudflow and the

rising, sinking or shifting of the earth caused by theearthquake. If more than one earthquake shock occurswithin a 72-hour period, all shocks will be considered asingle earthquake.

8. strike, riot or civil commotion.9. collision, derailment, upset or overturn of a transporting

land vehicle.10. collapse of a bridge or culvert.11. smoke. This means sudden and accidental damage

from smoke.12. perils of the seas, lakes, rivers or inland waters while on

ferries only.13. vehicle damage, except loss caused by any vehicle

owned or operated by the insured or an employee ofthe insured.

14. vandalism or malicious mischief. This means only thewillful and malicious damage to or destruction of theproperty covered.

15. theft, except as excluded.

PERILS EXCLUDEDWe do not pay for a loss if one or more of the followingexcluded perils apply to the loss, regardless of other causes orevents that contribute to or aggravate the loss, whether suchcauses or events act to produce the loss before, at the sametime as, or after the excluded peril. We do not pay for a lossthat results from:

1. a dishonest or illegal act, alone or in collusion withanother, by:a. you;

b. others who have an interest in the property;c. others to whom you entrust the property; ord. the employees or agents of a., b. or c., whether or

not they are at work.We do cover loss caused by dishonest acts by carriersor other bailees for hire.

2. mysterious disappearance.3. any cause when the only proof that a loss occurred is an

inventory shortage.4. electrical currents, other than those caused by lightning,

that damage an electrical apparatus or its wiring. If a fireor explosion results, we do cover the loss caused by thefire or explosion.

5. corrosion, rust or pitting.6. theft of the property covered while left unattended in or

on any vehicle unless such theft is the result of violent,forcible entry into the vehicle while it is securely locked,or into a securely locked compartment in or on anyvehicle, which shows visible marks of such forcible entryupon its exterior.

7. the weight of a load exceeding the registered lifting orsupporting capacity of any machine.

8. wear and tear, freezing, overheating, mechanicalbreakdown, inherent vice, latent defect, gradualdeterioration or depreciation, insects or vermin.

9. dampness of atmosphere or extremes of temperature.10. a process to repair, refinish, adjust, service or maintain.

There are other perils that are not covered. These are listedin the Inland Marine General Terms.

TERRITORY WHERE COVERAGE APPLIESCoverage applies only while the property is in the UnitedStates, Canada or Puerto Rico. This includes property that isin transit except to or from Alaska, Hawaii or Puerto Rico.

PTF-1-NH (01-12)

Page 1 of 2 PTF-1-NH (01-12).DOC



PORTABLE TOOLS AND EQUIPMENT COVERAGE REDUCTION IN COVERAGE TO NAMED PERIL


Each item that is covered must be described below or on a schedule that is a part of this policy. A

coverage amount must be shown for each item. This is the most that we will pay for a loss to that item.

ITEM DESCRIPTION COVERAGE

AMOUNT

(Manufacturer, Serial/Model Nos.) DEFINITION Collision means the violent and accidental contact of a motor vehicle with any other automobile,

vehicle or object; but excluding loss or damage resulting from coming into contact with any portion of the roadbed or striking the rails or ties of street or railroad, coming into contact with any stationary object in backing for loading or unloading purposes, the coming together of a truck and trailer during coupling or uncoupling, or the collision of the insured property with any other object, unless the transporting vehicle is in a collision within the meaning applicable to this policy; but this does not include any claim for loss, damage or expense by wear, tear or ordinary handling due to the mode of transportation.

DEDUCTIBLE The following deductible amount will apply to each loss after all other

adjustments have been made. $

COINSURANCE You must maintain a minimum coverage amount for each described item. This minimum coverage

amount is the full actual cash value of the described item. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of a loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percent will be applied to the final adjusted loss to determine the amount that we will pay.

PTF-1-NH (01-12)

Page 2 of 2 PTF-1-NH (01-12).DOC

PROPERTY COVERED We cover only those items for which a coverage amount is shown. PROPERTY EXCLUDED We do not cover: 1. property that is held for sale. 2. property that you rent to others. 3. building materials and supplies. 4. plans, blueprints, designs or specifications. PERILS COVERED We cover direct physical loss to covered property caused by: 1. fire. 2. lightning. 3. windstorm. 4. hail. 5. explosion. 6. aircraft, spacecraft or self-propelled missiles. This

includes objects that fall from these items. 7. earthquake. This includes landslide, mudflow and

the rising, sinking or shifting of the earth caused by the earthquake. If more than one earthquake shock occurs within a 72-hour period, all shocks will be considered a single earthquake.

8. strike, riot or civil commotion. 9. collision, derailment, upset or overturn of a

transporting land vehicle. 10. collapse of a bridge or culvert. 11. smoke. This means sudden and accidental

damage from smoke. 12. perils of the seas, lakes, rivers or inland waters

while on ferries only. 13. vehicle damage, except loss caused by any vehicle

owned or operated by the insured or an employee of the insured.

14. vandalism or malicious mischief. This means only the willful and malicious damage to or destruction of the property covered.

15. theft, except as excluded. PERILS EXCLUDED We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril. We do not pay for a loss that results from:

1. a dishonest or illegal act, alone or in collusion with another, by: a. you; b. others who have an interest in the property; c. others to whom you entrust the property; or d. the employees or agents of a., b. or c., whether

or not they are at work. We do cover loss caused by dishonest acts by carriers or other bailees for hire.

2. mysterious disappearance. 3. any cause when the only proof that a loss occurred

is an inventory shortage. 4. electrical currents, other than those caused by

lightning, that damage an electrical apparatus or its wiring. If a fire or explosion results, we do cover the loss caused by the fire or explosion.

5. corrosion, rust or pitting. 6. theft of the property covered while left unattended

in or on any vehicle unless such theft is the result of violent, forcible entry into the vehicle while it is securely locked, or into a securely locked compartment in or on any vehicle, which shows visible marks of such forcible entry upon its exterior.

7. the weight of a load exceeding the registered lifting or supporting capacity of any machine.

8. wear and tear, freezing, overheating, mechanical breakdown, inherent vice, latent defect, gradual deterioration or depreciation, insects or vermin.

9. dampness of atmosphere or extremes of temperature.

10. a process to repair, refinish, adjust, service or maintain.

There are other perils that are not covered. These are listed in the Inland Marine General Terms. TERRITORY WHERE COVERAGE APPLIES Coverage applies only while the property is in the United States, Canada or Puerto Rico. This includes property that is in transit except to or from Alaska, Hawaii or Puerto Rico.


Page 1 of 2 OM 10 10 (01-12).DOC


MastersOne This endorsement modifies insurance provided under the following:

HOMEOWNERS 2 – BROAD FORM, HO 00 02 HOMEOWNERS 3 – SPECIAL FORM, HO 00 03 HOMEOWNERS 4 – CONTENTS BROAD FORM, HO 00 04 HOMEOWNERS 5 – COMPREHENSIVE FORM, HO 00 05 HOMEOWNERS 6 – UNIT-OWNERS FORM, HO 00 06

SECTION I - PROPERTY COVERAGES B. Coverage D - Loss Of Use (HO 00 04) C. Coverage D - Loss Of Use (HO 00 06) D. Coverage D - Loss Of Use (HO 00 02,

HO 00 03, HO 00 05) Paragraph 3. is deleted and replaced by the following: 3. Civil Authority Prohibits Use

If a civil authority prohibits you from use of the "residence premises", or if a power outage caused by a Peril Insured Against renders the "residence premises" uninhabitable, we cover the loss as provided in 1. Additional Living Expense and 2. Fair Rental Value above. Coverage will begin 48 hours after loss of access or use and will not exceed two weeks.

C. Additional Coverages (HO 00 04) D. Additional Coverages (HO 00 06) E. Additional Coverages (HO 00 02, HO 00 03,

HO 00 05) Paragraph 4. Is amended as follows: 4. Fire Department Service Charge

The amount we will pay is increased to $1,000.

With respect to the coverage described below the following additional coverages have been added: Paragraph 12. Lock or Garage Door Remote Transmitter Replacement in HO 00 06. Paragraph 13. Lock or Garage Door Remote Transmitter Replacement in HO 00 02, HO 00 03, HO 00 04, HO 00 05.

Lock or Garage Door Remote Transmitter Replacement We will pay to replace, reprogram, or rekey house locks to your dwelling insured under Coverage A if an "insured's" keys are lost or

stolen; or to replace or reprogram your garage door remote transmitter to your private garage if the remote transmitter is lost or stolen. The locks or remote transmitter must be replaced or reprogrammed within 72 hours after the items are lost or stolen. We will pay no more than $500. If replace-ment is required, we will replace the locks or remote transmitter with ones of like kind and quality. Keys or remote transmitter given to a custodian are not considered lost or stolen. This coverage is extra insurance. No deduct-ible applies.

Paragraph 13. Debris Removal - Expanded in HO 00 06. Paragraph 14. Debris Removal - Expanded in HO 00 02, HO 00 03, HO 00 04, HO 00 05.

Debris Removal - Expanded When a covered structure is not damaged, we will pay your reasonable expense incurred in the removal of all debris of trees, shrubs, and plants when the loss is caused by Windstorm or Hail; or Weight of Ice Snow, or Sleet. The most we will pay is $500 for any one "occurrence" and no more than one deductible amount shall apply in the event of loss by Windstorm or Hail; or the Weight of Ice, Snow, or Sleet, arising out of any one "occurrence". We do not pay for debris removal of trees, shrubs, and plants grown for "business" or farming purposes or located more than 250 feet from the dwelling insured under Coverage A.


Page 2 of 2 OM 10 10 (01-12).DOC

Paragraph 14. Loss Forgiveness in HO 00 06. Paragraph 15. Loss Forgiveness in HO 00 02, HO 00 03, HO 00 04, HO 00 05.

Loss Forgiveness In the event that you have an insured property loss as a result of a weather-related loss event that is declared to be a (Named) Catastrophic Loss Event by the Property Claim Service (a nationally known Catastrophe Loss Estimating Service, which is a division of the Insurance Service Office, Inc.) OR any loss resulting in a claim payment of less than $500, we will ignore that loss in the determination of your policy premium at your next policy renewal.

Paragraph 15. Arson / Theft Reward in HO 00 06. Paragraph 16. Arson / Theft Reward in HO 00 02, HO 00 03, HO 00 04, HO 00 05.

Arson / Theft Reward We will pay up to $5,000 to anyone providing information leading to the arrest and conviction in connection with a fire or theft loss to property covered by this policy. However, the $5,000 limit is the most the Company shall pay on any one claim regardless of the number of persons providing information. This coverage is additional insurance and no deductible applies to the coverage.

SECTION II - ADDITIONAL COVERAGES C. Damage To Property Of Others Paragraph 1. is deleted and replaced with the

following: 1. We will pay, at replacement cost, up to

$1,500 per "occurrence" for "property damage" to property of others caused by an "insured".

The following additional coverage is added: E. Personal Injury

Refer to Personal Injury endorsement, HO 24 82, attached to your policy for coverages provided.



Page 1 of 2 OM 10 20 (01-12).DOC


MastersTwo This endorsement modifies insurance provided under the following:

HOMEOWNERS 2 – BROAD FORM, HO 00 02 HOMEOWNERS 3 – SPECIAL FORM, HO 00 03 HOMEOWNERS 5 – COMPREHENSIVE FORM, HO 00 05

SECTION I - PROPERTY COVERAGES C. Coverage C - Personal Property

Paragraph 3. is amended by the following: 3. Special Limits Of Liability

The Special Limits Of Liability provisions for the following items are increased. These special limits do not increase the Coverage C limit of liability: a. $500 on money, bank notes, bullion, gold

other than goldware, silver other than silverware, platinum other than platinum-ware, coins, medals, scrip, stored value cards, and smart cards.

b. $2,500 on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets, and stamps. This dollar limit applies to these categories regardless of the medium (such as paper or computer software) on which the material exists. This limit includes the cost to research, replace, or restore the information from the lost or damaged material.

e. $2,000 for loss by theft of jewelry, watches, furs, precious, and semipre-cious stones.

D. Coverage D - Loss Of Use

Paragraph 3. is deleted and replaced by the following: 3. Civil Authority Prohibits Use


E. Additional Coverages Paragraph 4. Is amended as follows: 4. Fire Department Service Charge


With respect to the coverage described below the following additional coverages have been added: 13. Lock or Garage Door Remote Transmitter

Replacement We will pay to replace, reprogram, or rekey house locks to your dwelling insured under Coverage A if an "insured's" keys are lost or stolen; or to replace or reprogram your garage door remote transmitter to your private garage if the remote transmitter is lost or stolen. The locks or remote transmitter must be replaced or reprogrammed within 72 hours after the items are lost or stolen. We will pay no more than $500. If replacement is required, we will replace the locks or remote transmitter with ones of like kind and quality. Keys or remote transmitter given to a custodian are not considered lost or stolen. This coverage is extra insurance. No deductible applies.

14. Debris Removal - Expanded When a covered structure is not damaged, we will pay your reasonable expense incurred in the removal of all debris of trees, shrubs, and plants when the loss is caused by Windstorm or Hail; or Weight of Ice Snow, or Sleet. The most we will pay is $500 for any one "occurrence" and no more than one deductible amount shall apply in the event of loss by Windstorm or Hail; or the Weight of Ice, Snow, or Sleet, arising out of any one "occurrence". We do not pay for debris removal of trees, shrubs, and plants grown for "business" or farming purposes or located more than 250 feet from the dwelling insured under Coverage A.


Page 2 of 2 OM 10 20 (01-12).DOC

15. Loss Forgiveness In the event that you have an insured property loss as a result of a weather-related loss event that is declared to be a (Named) Catastrophic Loss Event by the Property Claim Service (a nationally known Catastrophe Loss Estimating Service, which is a division of the Insurance Service Office, Inc.) OR any loss resulting in a claim payment of less than $500, we will ignore that loss in the determination of your policy premium at your next policy renewal.

16. Arson / Theft Reward We will pay up to $5,000 to anyone providing information leading to the arrest and con-viction in connection with a fire or theft loss to property covered by this policy. However, the $5,000 limit is the most the Company shall pay on any one claim regardless of the number of persons providing information. This coverage is additional insurance and no deductible applies to the coverage.

17. False Alarm We will pay up to $500, aggregate limit per policy period, for your liability assumed by contract or agreement with a security alarm company for emergency fire or policy response to a false alarm from an installed security system at the "residence premises". No deductible applies to this provision.

18. Back-up Of Sewers Or Drains Refer to Back-up of Sewers or Drains endorsement, OM 02 95, attached to your policy for coverages and limits provided. We will pay up to the limit shown in the Declarations for this coverage.

19. Specified Additional Amount Of Insurance For Coverage A - Dwelling Refer to Specified Additional Amount of Insurance for Coverage A - Dwelling endorse-ment, HO 04 20, attached to your policy for coverages and limits provided. We will pay up to an additional 10% of Coverage A for this coverage.

20. Ordinance Or Law Coverage In addition to the limit provided by the policy, we will pay an additional $5,000 for the increased costs you incur due to the enforce-ment of any ordinance or law.

21. Property Remediation for Escaped Liquid Fuel Oil We will pay your expense to extract escaped liquid fuel from land or water on the "residence premises" if the discharge, dispersal, seepage, migration, release, or escape of the liquid fuel oil from a fuel system is caused by a peril insured against that applies to Coverage C and that occurs during the policy period. We pay the cost of testing, evaluating, observing, or recording the existence, level, or effects of liquid fuel oil only when the expense of extracting the liquid fuel oil is provided by this Additional Coverage. The most we pay is $3,000 for the sum of all such expenses arising out of perils insured against that occur during each separate 12-month period of this policy. These expenses are paid only if they are reported to us in writing within 180 days from the date the peril is insured against occurs.

SECTION I - ENDORSEMENTS A. Identity Fraud

The limit provided by Identity Fraud Expense Coverage endorsement, OM 04 55, is increased to $10,000.

B. Refrigerated Property Coverage The limit provided by the Refrigerated Property Coverage endorsement, HO 04 98, is increased to $1,000.

SECTION II - ADDITIONAL COVERAGES C. Damage To Property Of Others

Paragraph 1. is deleted and replaced with the following: 1. We will pay, at replacement cost, up to






Page 1 of 3 OM 10 30 (01-12).DOC


MastersThree This endorsement modifies insurance provided under the following:

HOMEOWNERS 2 – BROAD FORM, HO 00 02 HOMEOWNERS 3 – SPECIAL FORM, HO 00 03 HOMEOWNERS 5 – COMPREHENSIVE FORM, HO 00 05

SECTION I - PROPERTY COVERAGES C. Coverage C - Personal Property Paragraph 3. is amended by the following:

3. Special Limits Of Liability The Special Limits Of Liability provisions for the following items are increased. These special limits do not increase the Coverage C limit of liability: a. $750 on money, bank notes, bullion, gold

other than goldware, silver other than silverware, platinum other than platinumware, coins, medals, scrip, stored value cards, and smart cards.


e. $3,000 for loss by theft of jewelry, watches, furs, precious, and semipre-cious stones.

D. Coverage D - Loss Of Use

Paragraph 3. is deleted and replaced by the following: 3. Civil Authority Prohibits Use


E. Additional Coverages Paragraph 4. Is amended as follows: 4. Fire Department Service Charge


With respect to the coverage described below the following additional coverages have been added: 13. Lock Or Garage Door Remote Transmitter

Replacement We will pay to replace, reprogram, or rekey house locks to your dwelling insured under Coverage A if an "insured's" keys are lost or stolen; or to replace or reprogram your garage door remote transmitter to your private garage if the remote transmitter is lost or stolen. The locks or remote transmitter must be replaced or reprogrammed within 72 hours after the items are lost or stolen. We will pay no more than $1,000. If replacement is required, we will replace the locks or remote transmitter with ones of like kind and quality. Keys or remote transmitter given to a custodian are not considered lost or stolen. This coverage is extra insurance. No deductible applies.

14. Debris Removal - Expanded When a covered structure is not damaged, we will pay your reasonable expense incurred in the removal of all debris of trees, shrubs, and plants when the loss is caused by Windstorm or Hail; or Weight of Ice Snow, or Sleet. The most we will pay is $500 for any one "occurrence" and not more than one deductible amount shall apply in the event of loss by Windstorm or Hail; or the Weight of Ice, Snow, or Sleet, arising out of any one "occurrence". We do not pay for debris removal of trees, shrubs, and plants grown for "business" or farming purposes or located more than 250 feet from the dwelling insured under Coverage A.


Page 2 of 3 OM 10 30 (01-12).DOC


16. Arson / Theft Reward We will pay up to $5,000 to anyone providing information leading to the arrest and conviction in connection with a fire or theft loss to property covered by this policy. However, the $5,000 limit is the most the Company shall pay on any one claim regardless of the number of persons providing information. This coverage is additional insurance and no deductible applies to the coverage.

17. False Alarm We will pay up to $500, aggregate limit per policy period, for your liability assumed by contract or agreement with a security alarm company for emergency fire or policy response to a false alarm from an installed security system at the "residence premises". No deductible applies to this provision.

18. Back-up Of Sewers Or Drains Refer to Back-up of Sewers or Drains endorsement, OM 02 95, attached to your policy for coverages and limits provided. We will pay up to the limit shown in the Declarations for this coverage.

19. Specified Additional Amount Of Insurance For Coverage A - Dwelling Refer to Specified Additional Amount of Insurance for Coverage A - Dwelling endorsement, HO 04 20, attached to your policy for coverages and limits provided. We will pay up to an additional 25% of Coverage A for this coverage.

20. Ordinance Or Law Coverage In addition to the limit provided by the policy, we will pay an additional $5,000 for the increased costs you incur due to the enforcement of any ordinance or law.

21. Mortgage Renegotiation Expense If your "residence premises" incurs a total loss because of a Peril Insured Against, and if the first mortgagee shown on the Declarations exercises its right to renegotiate the mortgage, we agree to pay, up to $2,500, for:

a. The mortgage origination points, inspection fees, or other closing costs incurred by you; and

b. The legal expense incurred by you to renegotiate or maintain a first mortgage held by a first mortgagee shown in the Declarations.

Under Section a. above, we do not cover: (1) Any expenses incurred in

renegotiating any other mortgage; (2) Any additional points or other

expenses incurred above those based on the original principal amount of the first mortgage; or

(3) Legal fees (except as provided in Section b.) service charges, taxes, insurance, or any other expense whether or not incurred in renegotiating the mortgage. Under Section b. above, we do not cover fines, judgments, points, service charges, or legal services by any lawyer except yours.

This coverage is additional insurance. No deductible applies to this coverage.

22. Landscape Coverage We will pay for loss or damage to landscaping caused by: a. Fire or lightning; b. Explosion; c. Riot or civil commotion; d. Aircraft; e. Vehicles not owned or operated by a

person who lives at the "residence premises";

f. Vandalism or malicious mischief; or g. Theft. We will pay up to $3,500 for landscaping for the "residence premises" at which the covered loss occurs. The most we will pay for any one tree, shrub, or plant is $1,000. This additional coverage is only applicable if you begin to repair or replace the damaged landscaping within one hundred eighty (180) days of the date of loss.

23. Equipment Breakdown Coverage Refer to Equipment Breakdown Coverage endorsement, HO 09 98, attached to your policy for coverages and limits provided.

24. Service Line Coverage Refer to Service Line Coverage endorsement, OM 03 99, attached to your policy for coverages and limits provided.


Page 3 of 3 OM 10 30 (01-12).DOC












Page 1 of 3 OM 10 40 (01-12).DOC


MastersFour This endorsement modifies insurance provided under the following:

HOMEOWNERS 5 – COMPREHENSIVE FORM, HO 00 05 SECTION I - PROPERTY COVERAGES C. Coverage C - Personal Property

Paragraph 3. is amended by the following: 3. Special Limits Of Liability

The Special Limits Of Liability provisions for the following items are increased. These special limits do not increase the Coverage C limit of liability. The special limit for each numbered category below is the total limit for each loss for all property in that category: a. $1,000 on money, bank notes, bullion,

gold other than goldware, silver other than silverware, platinum other than platinumware, coins, medals, scrip, stored value cards, and smart cards.


c. $2,500 on watercraft of all types, including their trailers, furnishings, equipment, and outboard engines or motors.

d. $2,500 on trailers or semitrailers not used with watercraft of all types.

e. $5,000 for loss by theft, misplacing, or losing of jewelry, watches, furs, precious, and semiprecious stones

f. $5,000 for loss by theft, misplacing, or losing of firearms and related equipment.

g. $5,000 for loss by theft, misplacing, or losing of silverware, silver-plated ware, goldware, gold-plated ware, platinum-ware, platinum-plated ware, and pewter-ware. This includes flatware, hollowware, tea sets, trays, and trophies made of or including silver, gold, or pewter.

h. $5,000 on property, on the "residence premises", used primarily for "business" purposes.

i. $2,000 on property, away from the residence premises", used primarily for business" purposes. However, this limit does not apply to tapes, wires, records, disks, or other media that are: (1) used with electronic equipment that

reproduces, receives, or transmits audio, visual, or data signals; and

(2) in or upon a "motor vehicle". j. $2,000 on portable electronic equipment

that: (1) reproduces, receives, or transmits

audio, visual, or data signals; (2) is designed to be operated by more

than one power source, one of which is a "motor vehicle's" electrical system; and

(3) is in or upon a "motor vehicle". k. $500 on antennas, tapes, wires, records,

disks, or other medial that are: (1) used with electronic equipment that

reproduces, receives or transmits audio, visual, or data signals; and

(2) in or upon a "motor vehicle". The following Special Limits of Liability is added: l. $150 for domestic animals, birds, or fish

when the loss is caused by fire or lightning, windstorm or hail, smoke, explosion, riot, civil commotion, or falling aircraft.


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D. Coverage D - Loss Of Use Paragraph 3. is deleted and replaced by the following: 3. Civil Authority Prohibits Use


E. Additional Coverages

Paragraph 4. Is amended as follows: 4. Fire Department Service Charge


With respect to the coverage described below the following additional coverages have been added: 13. Lock Or Garage Door Remote Transmitter

Replacement We will pay to replace, reprogram, or rekey house locks to your dwelling insured under Coverage A if an "insured's" keys are lost or stolen; or to replace or reprogram your garage door remote transmitter to your private garage if the remote transmitter is lost or stolen. The locks or remote transmitter must be replaced or reprogrammed within 72 hours after the items are lost or stolen. We will pay no more than $1,000. If replacement is required, we will replace the locks or remote transmitter with ones of like kind and quality. Keys or remote transmitter given to a custodian are not considered lost or stolen. This coverage is extra insurance. No deductible applies.

14. Debris Removal - Expanded When a covered structure is not damaged, we will pay your reasonable expense incurred in the removal of all debris of trees, shrubs, and plants when the loss is caused by Windstorm or Hail; or Weight of Ice Snow, or Sleet. The most we will pay is $500 for any one "occurrence" and not more than one deductible amount shall apply in the event of loss by Windstorm or Hail; or the Weight of Ice, Snow, or Sleet, arising out of any one "occurrence". We do not pay for debris removal of trees, shrubs, and plants grown for "business" or farming purposes or located more than 250 feet from the dwelling insured under Coverage A.


16. Arson / Theft Reward We will pay up to $5,000 to anyone providing information leading to the arrest and convic-tion in connection with a fire or theft loss to property covered by this policy. However, the $5,000 limit is the most the Company shall pay on any one claim regardless of the number of persons providing information. This coverage is additional insurance and no deductible applies to the coverage.

17. False Alarm We will pay up to $1,000, aggregate limit per policy period, for your liability assumed by contract or agreement with a security alarm company for emergency fire or policy response to a false alarm from an installed security system at the "residence premises". No deductible applies to this provision.

18. Back-up Of Sewers Or Drains Refer to Back-up of Sewers or Drains endorsement, OM 02 95, attached to your policy for coverages and limits provided. We will pay up to the limit shown in the Declar-ations for this coverage.

19. Specified Additional Amount Of Insurance For Coverage A - Dwelling Refer to Specified Additional Amount of Insurance for Coverage A - Dwelling endorse-ment, HO 04 20, attached to your policy for coverages and limits provided. We will pay up to an additional 25% of Coverage A for this coverage.

20. Ordinance Or Law Coverage In addition to the limit provided by the policy, we will pay an additional $10,000 for the increased costs you incur due to the enforcement of any ordinance or law.

21. Mortgage Renegotiation Expense If your "residence premises" incurs a total loss because of a Peril Insured Against, and if the first mortgagee shown on the Declara-tions exercises its right to renegotiate the mortgage, we agree to pay, up to $3,500, for:


Page 3 of 3 OM 10 40 (01-12).DOC

a. The mortgage origination points, inspection fees, or other closing costs incurred by you; and

b. The legal expense incurred by you to renegotiate or maintain a first mortgage held by a first mortgagee shown in the Declarations.

Under Section a. above, we do not cover: (1) any expenses incurred in renego-

tiating any other mortgage; (2) any additional points or other

expenses incurred above those based on the original principal amount of the first mortgage; or

(3) legal fees (except as provided in Section b.) service charges, taxes, insurance, or any other expense whether or not incurred in renego-tiating the mortgage. Under Section b. above, we do not cover fines, judgments, points, ser-vice charges, or legal services by any lawyer except yours.

This coverage is additional insurance. No deductible applies to this coverage.

22. Landscape Coverage We will pay for loss or damage to landscaping caused by: a. Fire or lightning; b. Explosion; c. Riot or civil commotion; d. Aircraft; e. Vehicles not owned or operated by a

person who lives at the residence premises;

f. Vandalism or malicious mischief; or g. Theft. We will pay up to $5,000 for landscaping for the residence premises at which the covered loss occurs. The most we will pay for any one tree, shrub, or plant is $1,000. This additional coverage is only applicable if you begin to repair or replace the damaged landscaping within one hundred eighty (180) days of the date of loss.

23. Equipment Breakdown Coverage Refer to Equipment Breakdown Coverage endorsement, HO 09 98, attached to your policy for coverages and limits provided.

24. Service Line Coverage Refer to Service Line Coverage endorsement, OM 03 99, attached to your policy for coverages and limits provided.












© 2009 The Hartford Steam Boiler Inspection and Insurance Company,

includes copyrighted material with its permission. Page 1 of 3 OM 03 99 (01-12).DOC


SERVICE LINE COVERAGE

The following additional coverage is added to Section I of the Homeowners HO 00 02 – Broad Form, Homeowners HO 00 03 – Special Form or Homeowners HO 00 05 – Comprehensive Form.

AGREEMENT We will provide the insurance described in this endorsement in compliance with all applicable provisions (including but not limited to, Conditions, Definitions and Exclusions) of your Homeowners policy. The most we will pay for loss, damage or expense under this endorsement arising from any "one service line failure" is $10,000.

DEFINITIONS The following definitions are added: 1. "Covered service line" means underground piping

and wiring, including permanent connections, valves, or attached devices, as described and limited below. a. A "covered service line" must be one of the

following: (1) Water piping that connects from the

dwelling to a public water supply system or private well system;

(2) Sewer piping that connects from the dwelling to a public sewer system or private septic system;

(3) Ground loop piping that connects to a heat pump; or

(4) Power line or wiring that provides electrical service to the dwelling or other structure.

b. The "covered service line" must: (1) Be located on the "residence premises"; (2) Provide a service to the dwelling or other

structure, as covered under Coverage A or B; and

(3) Be owned by you or you must be legally liable for its repair or replacement.

c. "Covered service line" does not include: (1) That part of piping that runs through or

under a body of water, including but not limited to, a swimming pool, pond, or lake;

(2) That part of piping or wiring that runs through or under the dwelling or other structure;

(3) Piping that delivers water to outdoor property including, but not limited to, sprinklers, irrigation systems, swimming pools, hot tubs, and decorative ponds;

(4) Piping or wiring that is not connected and ready for use; or

(5) Storm water drain piping. 2. "Earth movement" means:

a. Earthquake, including land shock waves or tremors before, during, or after a volcanic eruption;

b. Landslide, mudslide or mudflow; c. Subsidence or sinkhole collapse; d. Tsunami or volcanic action; or e. Any other naturally occurring earth movement

including earth sinking, rising, or shifting.




3. "One service line failure" means: If an initial "service line failure" causes other "service line failures", all will be considered "one service line failure". All "service line failures" that are the result of the same event will be considered "one service line failure".

4. "Service line failure" means a leak, break, tear, rupture, collapse, or arcing of a "covered service line". "Service line failure" does not include blockage or low pressure of a "covered service line".

COVERAGES The following coverages are added, subject to the limit provided under the Agreement section of this endorsement: 1. Damages to "Covered Service Line"

We will pay for physical damage to your "covered service line" that is the direct result of a "service line failure".

2. Excavation Costs With respect to your "covered service line" that is damaged as the result of a "service line failure", we will pay the necessary and reasonable excavation costs that are required to repair or replace the damaged "covered service line".

3. Expediting Expenses With respect to your "covered service line" that is damaged as the result of a "service line failure", we will pay the reasonable extra cost to:

a. Make temporary repairs; and b. Expedite permanent repairs or permanent

replacement. 4. Loss of Use

Coverage for Additional Living Expense and Fair Rental Value, as described under Coverage D – Loss of Use, is extended to the coverage provided by this endorsement.

5. Outdoor Property We will pay for your outdoor property, including trees, shrubs, plants, lawns, walkways and driveways, that is damaged as a result of a "service line failure" or that is damaged during the excavation of your "covered service line" following a "service line failure".

EXCLUSIONS 1. If any of the following causes of loss are excluded

by your policy, then those exclusions do not apply to this endorsement: a. Wear and tear, marring, deterioration, or

hidden decay; b. Rust or other corrosion; c. Mechanical breakdown, latent defect, or

inherent vice; d. Weight of equipment, animals, or people; e. Artificially generated electrical current; or f. Freezing.

2. The following exclusions are added: a. We will not pay for loss or damage to:

(1) Septic systems, including leach fields, septic tanks, pumps, motors, or piping that runs from the septic tank to the leach fields;

(2) Water wells, including well pumps or motors;

(3) Heating and cooling systems, including heat pumps; or

(4) Irrigation or sprinkler systems. b. We will not pay for loss or damage to a

"covered service line" that is damaged while it is being installed, dismantled, or repaired. However, this exclusion shall not apply if a covered "service line failure" necessitated such installation, dismantling, or repair.




c. We will not pay to clean up or remove pollutants, hazardous waste, or sewage.

d. We will not pay under this endorsement for loss or damage caused by or resulting from any of the following causes of loss: (1) Fire; or water or other means used to

extinguish a fire; (2) Explosion; (3) Lightning; windstorm or hail; smoke;

aircraft; riot or civil commotion; theft; breakage of glass;

4) Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or their spray, all whether driven by wind or not; or water that backs up or overflows from a sewer, drain, or sump; or

(5) "Earth movement," except for "earth movement" that results from the ground thawing after a freeze.

DEDUCTIBLE Subject to the limit provided under the Agreement section of this endorsement, we will pay only that part

of the loss that exceeds $500. No other deductible applies to this coverage.

CONDITIONS The following conditions are added: 1. Environmental, Safety, and Efficiency

Improvements If a "covered service line" requires replacement due to a "service line failure", we will pay your additional cost to replace with materials that are better for the environment, safer or more efficient than the materials being replaced. However, we will not pay more than 125% of what the cost would have been to replace with like kind and quality. This condition does not increase the limit that applies to this endorsement.

2. Loss Settlement Losses under this endorsement will be settled as follows: a. Our payment for damaged covered property

will be the smallest of: (1) The limit of liability that applies to this

endorsement;

(2) The cost to repair the damaged property; (3) The cost to replace the damaged

property on the same premises; or (4) The necessary amount actually spent to

repair or replace the damaged property. b. Except as described in Environmental,

Safety, and Efficiency Improvements above, you are responsible for the extra cost of replacing damaged property with property of a better kind or quality or of a different size or capacity.

c. You are responsible for the extra cost to alter or relocate "covered service lines", unless such alteration or relocation is required by law or ordinance.

HOMEOWNERS HO 09 98 (01-12)

Page 1 of 4 HO 09 98 (01-12).DOC

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ THIS CAREFULLY.

EQUIPMENT BREAKDOWN

This "Equipment Breakdown" Endorsement modifies insurance provided under the following:

HOMEOWNERS 2 – BROAD FORM, HO 00 02 HOMEOWNERS 3 – SPECIAL FORM, HO 00 03 HOMEOWNERS 4 – CONTENTS BROAD FORM, HO 00 04 HOMEOWNERS 5 – COMPREHENSIVE FORM, HO 00 05 HOMEOWNERS 6 – UNIT-OWNERS FORM, HO 00 06

Read the entire endorsement carefully to determine rights, duties, and what is and is not covered. "Equipment Breakdown" coverage is subject to a $50,000 per Occurrence Limit of Liability. "Equipment Breakdown" coverage is subject to a $500 per Occurrence Deductible. DEFINITIONS The following Definitions are added: B. 12. "Equipment Breakdown".

"Equipment Breakdown" as used herein means: a. Physical loss or damage both originating

within: (1) Boilers, fired or unfired pressure

vessels, vacuum vessels, and pressure piping, all normally subject to vacuum or internal pressure other than static pressure of contents, excluding: (a) waste disposal piping; (b) any piping forming part of a fire

protective system; and (c) any water piping other than:

(i) boiler feed water piping between the feed pump and the boiler;

(ii) boiler condensate return piping; or

(iii) water piping forming part of a refrigerating or air conditioning system used for cooling, humidifying, or space heating purposes

(2) All mechanical, electrical, electronic, or fiber optic equipment; and

b. Caused by, resulting from, or consisting of: (1) Mechanical breakdown;

(2) Electrical or electronic breakdown; or

(3) Rupture, bursting, bulging, implo-sion, or steam explosion.

However, "Equipment Breakdown" will not mean: Physical loss or damage caused by or resulting from any of the following; however if loss or damage not otherwise excluded results, then we will pay for such resulting damage:

All losses excluded in the Homeowners Broad Form, Homeowners Special Form, Homeowners Contents Broad Form, Homeowners Comprehensive Form and Homeowners Unit-Owners Form; and

Loss, damage, cost or expense directly caused by, contributed to by, resulting from, or arising out of the following causes of loss:

Fire, lightning, combustion explosion, windstorm or hail, weight of snow, ice or sleet, freezing, falling objects, smoke, aircraft or vehicles, riot or civil commo-tion, vandalism, sinkhole collapse, volcanic action, leakage from fire extinguishing equipment, water, water damage, earth movement and flood.

B. 13. "Green" as used herein means products, materials, methods, and processes certified by a "Green Authority" that conserve natural resources, reduce energy or water consump-tion, avoid toxic or other polluting emissions or otherwise minimize environmental impact.


Page 2 of 4 HO 09 98 (01-12).DOC

B. 14. "Green Authority" as used herein means an authority on "Green" buildings, products, materials, methods or processes certified and accepted by Leadership in Energy and Environmental Design (LEED®), "Green" Building Initiative Green Globes®, Energy Star Rating System or any other recognized "Green" rating system.

SECTION I – PROPERTY COVERAGES E. Additional Coverages (HO 00 02, HO 00 03,

HO 00 05) C. Additional Coverages (HO 00 04) D. Additional Coverages (HO 00 06)

The following additional coverages are added as a part of and not in addition to the limit per loss: 18. Expediting Expense

We will pay for the expediting expense loss resulting from an "Equipment Breakdown" with respect to your damaged Personal Property. We will pay the reasonable extra cost to: a. Make temporary repairs; b. Expedite permanent repairs; and c. Expedite permanent replacement. Reasonable extra cost shall mean "the extra cost of temporary repair and of expediting the repair of such damaged equipment of the insured, including overtime and the extra cost of express or other rapid means of transportation". The most we will pay for loss or damage under this Additional Coverage is $3,000.

[This is Paragraph 19. In HO 00 03 and Para-graph 17. in HO 00 06.] 19. Spoilage Coverage

We will pay for loss of perishable goods due to spoilage resulting from lack of power, light, heat, steam, or refrigeration caused by an "Equipment Breakdown" to Personal Property covered by this policy. The most we will pay for loss or damage under this Additional Coverage is $3,000.

[This is Paragraph 20. in HO 00 03 and Para-graph 18. in HO 00 06.] 20. Pollutant Clean Up and Removal

We will pay for the pollutant clean up and removal for loss resulting from an "Equipment Breakdown". The most we will pay for the pollutant clean up and removal is $3,000.

[This is Paragraph 21. in HO 00 03 and Para-graph 19. in HO 00 06.]

D. Additional Coverages (HO 00 05) Under Paragraph 10. Landlord's Furnish-ings, Item n. is deleted and replaced with the following: n. Sudden and Accidental Damage From

Artificially Generated Electrical Current HOMEOWNERS 2 – BROAD FORM, HO 00 02 HOMEOWNERS 4 – CONTENTS BROAD FORM,

HO 00 04 HOMEOWNERS 6 – UNIT-OWNERS FORM, HO 00 06 SECTION I – PERILS INSURED AGAINST The following Perils Insured Against is deleted and replaced with the following:

15. Sudden and Accidental Damage From Artificially Generated Electrical Current

The following Perils Insured Against is added:

17. "Equipment Breakdown"

HOMEOWNERS 3 – SPECIAL FORM, HO 00 03 SECTION I - PERILS INSURED AGAINST A. Coverage A – Dwelling And Coverage B –

Other Structures Paragraph 1. is deleted and replaced by the following: 1. We insure against direct physical loss to

property described in Coverages A and B including "Equipment Breakdown".

Paragraph 2.c.(6)(b) is deleted and replaced with the following:

(b) Latent defect, inherent vice, or any quality in property that causes it to damage or destroy itself;

B. Coverage C – Personal Property

The following Perils Insured Against is deleted and replaced with the following: 15. Sudden And Accidental Damage From

Artificially Generated Electrical Current The following Perils Insured Against is added: 17. "Equipment Breakdown"


Page 3 of 4 HO 09 98 (01-12).DOC

HOMEOWNERS 5 – COMPREHENSIVE FORM SECTION I - PERILS INSURED AGAINST First Paragraph is deleted and replaced with the following: We insure against direct physical loss to property described in Coverages A, B and C including "Equipment Breakdown".

A. Under Coverages A, B and C:

Paragraph 2.e.(2) is deleted and replaced with the following:

(2) latent defect, inherent vice, or any quality in property that causes it to damage or destroy itself;

SECTION I - CONDITIONS The following Conditions are deleted and replaced with the following: D. Loss Settlement

1. We will pay you the amount you spend to repair or replace your Covered Property damaged by an "Equipment Breakdown". Our payment will be the lesser of: a. The cost at the time of the "Equipment

Breakdown" to repair the damaged Covered Property;

b. The cost at the time of the "Equipment Breakdown" to replace the Covered Property with property of like kind, capacity, size and quality; or

c. The amount you actually spend that is necessary to repair or replace the damaged property.

2. As respects your Covered Property, if the cost of repairing or replacing only a part of the Covered Property is greater than: a. The cost of repairing the Covered

Property; or b. The cost of replacing the entire Covered

Property on the same site, We will pay the lesser amount. The repair parts or replacement Covered Property must be: a. Of like kind, capacity, size and quality;

and b. Used for the same purpose.

The following Conditions are added: (T., U., and V. in Contents Broad Form, HO 00 04) T. "Equipment Breakdown" coverage does not

extend beyond the "Residence Premises". U. Environmental, Safety and Efficiency Improve-

ments If Covered Property requires replacement due to an "Equipment Breakdown", we will pay your additional cost to replace with equipment that is better for the environment, safer or more energy efficient than the equipment being replaced. However, we will not pay more than 125% of what the cost would have been to repair or replace with like kind and quality. This condition does not increase any of the applicable limits. This condition does not apply to any property to which Actual Cash Value applies.

V. Green Environmental and Efficiency Improve-ments If Covered Property requires repair or replace-ment due to an "Equipment Breakdown", we will pay;

a. The lesser of the reasonable and necessary additional cost incurred by the Insured to repair or replace physically damaged Covered Property with equipment of like kind and quality which qualifies as "Green". "Like kind and quality" includes similar size and capacity.

b. The additional reasonable and necessary fees incurred by the Insured for an accredited professional certified by a "Green Authority" to participate in the repair or replacement of physically damaged Covered Property as "Green".

c. The additional reasonable and necessary cost incurred by the Insured for certification or recertification of the repaired or replaced Covered Property as "Green".

d. The additional reasonable and necessary cost incurred by the Insured for "Green" in the removal, disposal or recycling of damaged Covered Property.

e. The Loss of Use (if covered within the Policy to which this Equipment Breakdown Enhancement Endorsement – Green Envi-ronmental and Efficiency Improvements is attached) loss during the additional time required for repair or replacement of Covered Property, consistent with "Green", in the coverages above.


Page 4 of 4 HO 09 98 (01-12).DOC

We will not pay more than a maximum limit of $3,000 of what the cost would have been to repair or replace with equipment of like kind and quality inclusive of fees, costs, and any loss of use loss incurred as stated above. Green Environmental and Efficiency Improvements does not cover any of the following: a. Any loss covered under any other section

of this policy. b. Any cost incurred due to any law or

ordinance with which the Insured was legally obligated to comply prior to the time of the "Equipment Breakdown".

These Conditions will be part of, and not an addition to, the limit of liability per loss or any other sublimits of this Policy.

PTF-2 (01-91)

Page 1 of 2 PTF-2 (01-91).DOC



PORTABLE TOOLS AND EQUIPMENT COVERAGE




ITEM DESCRIPTION COVERAGE AMOUNT (Manufacturer, Serial/Model Nos.) DEDUCTIBLE The following deductible amount will apply to each loss after all other adjust-

ments have been made. $

COINSURANCE You must maintain a minimum coverage amount for each described item. This minimum coverage amount is

the full Actual Cash Value of the described item. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of a loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percent will be applied to the final adjusted loss to determine the amount that we will pay.

PROPERTY COVERED

We cover only the described items for which a coverage amount is shown. PROPERTY EXCLUDED

We do not cover: 1. property that is held for sale. 2. property that you rent to others. 3. building materials and supplies. 4. plans, blueprints, designs or specifications. PERILS COVERED

We cover direct physical loss to covered property unless the loss is caused by a peril that is excluded. The loss must be due to an external cause.

PERILS EXCLUDED We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril. We do not pay for a loss that results from: 1. a dishonest or illegal act, alone or in collusion with

another, by: a. you; b. others who have an interest in the property; c. others to whom you entrust the property; or d. the employees or agents of a., b. or c., whether or

not they are at work.

PTF-2 (01-91)

Page 2 of 2 PTF-2 (01-91).DOC

We do cover loss caused by dishonest acts by carriers or other bailees for hire.






breakage if it is caused by fire; lightning; windstorm; hail; earthquake; flood; smoke; explosion; aircraft, spacecraft, self-propelled missiles, and objects that fall from these items; vehicles, including an accident to a transporting vehicle; strike; riot; civil commotion; vandalism; theft; attempted theft; sprinkler leakage or collapse of a building.




10. theft of the property covered while left unattended in or on any vehicle unless such theft is the result of violent, forcible entry into the vehicle while it is securely locked, or into a securely locked compartment in or on any vehicle which shows visible marks of such forcible entry upon its exterior.




Includes copyrighted material of Insurance Services Office, Inc., with its permission.

Page 1 of 1 HO 04 11 (01-12).DOC


ADDITIONAL LIMITS OF LIABILITY FOR COVERAGES A, B, C AND D

To the extent that coverage is provided, we agree to amend the present limits of liability in accordance with the following provisions: A. If you have:

1. Allowed us to adjust the Coverage A limit of liability and the premium in accordance with: a. The property evaluations we make; and b. Any increases in inflation; and

2. Notified us, within 30 days of completion, of any improvements, alterations or additions to the building insured under Coverage A which increase the replacement cost of the building by 5% or more;

the provisions of this endorsement will apply after a loss, provided you elect to repair or replace the damaged building.

B. If there is a loss to the building insured under Coverage A that exceeds the Coverage A Limit Of Liability shown in the Declarations: 1. We will increase the Coverage A limit of

liability to equal the current replacement cost of the building not to exceed 25% of the Limit of Coverage insured for Coverage A;

2. We will increase, by the same percentage applied to Coverage A, the limits of liability for Coverages B, C and D. However, we will do this only if the Coverage A limit of liability is increased under Paragraph B.1. as a result of a Coverage A loss;

3. We will adjust the policy premium from the time of loss for the remainder of the policy term based on the increased limits of liability; and

4. For the purpose of settling that loss only, Section I – Condition D. Loss Settlement, Paragraph 2. is replaced by Paragraphs 2., 3., and 4. as follows: 2. Buildings covered under Coverage A or B

at replacement cost without deduction for depreciation. We will pay no more than the smallest of the following amounts: a. The replacement cost of that part of

the building damaged with material of like kind and quality and for like use;

b. The necessary amount actually spent to repair or replace the damaged building; or

c. The limit of liability under this policy that applies to the building, increased in accordance with Paragraphs B.1. and B.2. of this endorsement.

If the building is rebuilt at a new premises, the cost described in a. above is limited to the cost which would have been incurred if the building had been rebuilt at the original premises.

3. We will pay no more than the actual cash value of the damage until actual repair or replacement is complete.

4. You may disregard the replacement cost loss settlement provisions and make claim under this policy for loss to buildings on an actual cash value basis. You may then make claim for any additional liability on a replacement cost basis, provided you notify us, within 180 days after the date of loss, of your intent to repair or replace the damaged building.


Text Comparison Documents Compared HO 04 11 (05-11) Additional Limits of Liability for Coverages A,B,C, and D.pdf HO 04 11 (01-12) Add'l Limits of Liability for Coverages A, B, C, and D.pdf Summary 46 word(s) added 25 word(s) deleted 487 word(s) matched 4 block(s) matched

To see where the changes are, scroll down.

HOMEOWNERS HO 04 11 05 11




To the extent that coverage is provided, we agree to amend the present limits of liability in accordance with the following provisions: A. If you have: 1. Allowed us to adjust the Coverage A limit of

liability and the premium in accordance with: a. The property evaluations we make; and b. Any increases in inflation; and 2. Notified us, within 30 days of completion, of

any improvements, alterations or additions to the building insured under Coverage A which increase the replacement cost of the building by 5% or more;


B. If there is a loss to the building insured under Coverage A that exceeds the Coverage A Limit Of Liability shown in the Declarations:

1. We will increase the Coverage A limit of liability to equal the current replacement cost of the building;



4. For the purpose of settling that loss only, Section I – Condition D. Loss Settlement, Paragraph 2. is replaced by Paragraphs 2., 3. and 4. as follows:

2. Buildings covered under Coverage A or B at replacement cost without deduction for depreciation. We will pay no more than the smallest of the following amounts:

a. The replacement cost of that part of the building damaged with material of like kind and quality and for like use;







HO 04 11 (05-11) Additional Limits of Liability for Coverages A,B,C, and D.pdf



Page 1 of 1 HO 04 11 (01-12).DOC



To the extent that coverage is provided, we agree to amend the present limits of liability in accordance with the following provisions: A. If you have:

1. Allowed us to adjust the Coverage A limit of liability and the premium in accordance with: a. The property evaluations we make; and b. Any increases in inflation; and

2. Notified us, within 30 days of completion, of any improvements, alterations or additions to the building insured under Coverage A which increase the replacement cost of the building by 5% or more;


B. If there is a loss to the building insured under Coverage A that exceeds the Coverage A Limit Of Liability shown in the Declarations: 1. We will increase the Coverage A limit of

liability to equal the current replacement cost of the building not to exceed 25% of the Limit of Coverage insured for Coverage A;



4. For the purpose of settling that loss only, Section I – Condition D. Loss Settlement, Paragraph 2. is replaced by Paragraphs 2., 3., and 4. as follows: 2. Buildings covered under Coverage A or B

at replacement cost without deduction for depreciation. We will pay no more than the smallest of the following amounts: a. The replacement cost of that part of

the building damaged with material of like kind and quality and for like use;







HO 04 11 (01-12) Add'l Limits of Liability for Coverages A, B, C, and D.pdf

Text Comparison Documents Compared HO 03 18 (05-11) Hurricane Deductible (ME,NH).pdf HO 03 18 (01-12) Named Storm Deductible (ME,NH).pdf Summary 327 word(s) added 47 word(s) deleted 351 word(s) matched 12 block(s) matched

POLICY NUMBER: HOMEOWNERS HO 03 18 05 11



HURRICANE DEDUCTIBLE

SCHEDULE

Hurricane Deductible:

Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Definitions

The following definition is added with respect to the deductible provided by this endorsement: "State" means:

1. The state in the United States of America in which your "residence premises" is located; or

2. If your "residence premises" is located in one of the following, the one in which your "residence premises" is located:

a. The District of Columbia; b. Puerto Rico; c. Guam; or d. The U.S. Virgin Islands. B. Section I – Conditions

The following special deductible is added to the policy: Hurricane Deductible

1. With respect to the peril of Windstorm or Hail, for any one loss, we will pay only that part of the total of all loss payable that exceeds the applicable hurricane deductible described in Paragraph B.2. of this endorsement.

2. The applicable hurricane deductible: a. Is either: (1) The dollar amount shown in the

Schedule as the Hurricane Deductible; or

(2) If a percentage is shown in the Schedule, the dollar amount determined by multiplying the Coverage A Limit Of Liability shown in the Declarations by the percentage shown as the Hurricane Deductible in the Schedule.

b. Only applies to loss caused by the peril of Windstorm or Hail during the period:

(1) Beginning at the time a hurricane watch or hurricane warning is issued or declared for any part of the "state" by the National Hurricane Center of the National Weather Service; and

(2) Ending 24 hours following the termination of the last hurricane watch or hurricane warning for any part of the "state" by the National Hurricane Center of the National Weather Service.

3. No other deductible applies to loss caused by the peril of Windstorm or Hail during the period described in Paragraph B.2.b. of this endorsement.

4. Refer to the policy Declarations for the deductible that applies to loss caused by the peril of Windstorm or Hail other than during the period described in Paragraph B.2.b. of this endorsement.


HO 03 18 (05-11) Hurricane Deductible (ME,NH).pdf




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HO 03 18 (01-12)

NAMED STORM DEDUCTIBLE

SCHEDULE

Named Storm Deductible:

Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A Named Storm is a storm system that has been identified as a tropical storm or hurricane and assigned a name by the National Hurricane Center or the Central Pacific Hurricane Center of the National Weather Service (hereafter referred to as NHC and CPHC). Under the terms of this endorsement, a Named Storm begins at the time a Watch or Warning is issued by the NHC or CPHC for the area in which the affected premises are located, and ends 72 hours after the termination of the last Watch or Warning issued for that area by the NHC or CPHC. The Named Storm Deductible, as set forth in this endorsement, applies to covered loss or damage caused directly or indirectly by each Named Storm. If there is covered loss or damage from a windstorm that is not a Named Storm, the applicable deductible is the same deductible that applies to Fire, unless a different deductible is stated elsewhere in this policy for such loss or damage. Nothing in this endorsement implies or affords coverage for any loss or damage that is excluded under the terms of the Water Exclusion or any other exclusion in this policy. If you have a flood insurance policy, a separate Flood Deductible applies to loss or damage attributable to Flood, in accordance with the terms of that policy. A. Definitions

The following definition is added with respect to the deductible provided by this endorsement: "State" means: 1. The state in the United States of America in

which your "residence premises" is located; or 2. If your "residence premises" is located in one

of the following, the one in which your "residence premises" is located: a. The District of Columbia; b. Puerto Rico; c. Guam; or d. The U.S. Virgin Islands.

B. Section I – Conditions The following special deductible is added to the policy: Named Storm Deductible 1. With respect to the peril of Windstorm or Hail,

for any one loss, we will pay only that part of the total of all loss payable that exceeds the applicable Named Storm Deductible described in Paragraph B.2. of this endorse-ment.

2. The applicable Named Storm Deductible: a. Is either:

(1) The dollar amount shown in the Schedule as the Named Storm Deductible; or

(2) If a percentage is shown in the Schedule, the dollar amount deter-mined by multiplying the Coverage A Limit Of Liability shown in the Declarations by the percentage shown as the Named Storm Deduct-ible in the Schedule.

b. Only applies to loss caused by the peril of Windstorm or Hail during the period: (1) Beginning at the time a named storm

watch or named storm warning is issued or declared for any part of the "state" by the National Hurricane Center or the Central Pacific Hurricane Center of the National Weather Service; and

(2) Ending 24 hours following the termination of the last named storm watch or named storm warning for any part of the "state" by the National Hurricane Center or the Central Pacific Hurricane Center of the National Weather Service.

HO 03 18 (01-12) Named Storm Deductible (ME,NH).pdf



Page 2 of 2

HO 03 18 (01-12)




HO 03 18 (01-12) Named Storm Deductible (ME,NH).pdf




Page 1 of 2

HO 03 18 (01-12)

NAMED STORM DEDUCTIBLE

SCHEDULE

Named Storm Deductible:

Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A Named Storm is a storm system that has been identified as a tropical storm or hurricane and assigned a name by the National Hurricane Center or the Central Pacific Hurricane Center of the National Weather Service (hereafter referred to as NHC and CPHC). Under the terms of this endorsement, a Named Storm begins at the time a Watch or Warning is issued by the NHC or CPHC for the area in which the affected premises are located, and ends 72 hours after the termination of the last Watch or Warning issued for that area by the NHC or CPHC. The Named Storm Deductible, as set forth in this endorsement, applies to covered loss or damage caused directly or indirectly by each Named Storm. If there is covered loss or damage from a windstorm that is not a Named Storm, the applicable deductible is the same deductible that applies to Fire, unless a different deductible is stated elsewhere in this policy for such loss or damage. Nothing in this endorsement implies or affords coverage for any loss or damage that is excluded under the terms of the Water Exclusion or any other exclusion in this policy. If you have a flood insurance policy, a separate Flood Deductible applies to loss or damage attributable to Flood, in accordance with the terms of that policy. A. Definitions

The following definition is added with respect to the deductible provided by this endorsement: "State" means: 1. The state in the United States of America in

which your "residence premises" is located; or 2. If your "residence premises" is located in one

of the following, the one in which your "residence premises" is located: a. The District of Columbia; b. Puerto Rico; c. Guam; or d. The U.S. Virgin Islands.

B. Section I – Conditions The following special deductible is added to the policy: Named Storm Deductible 1. With respect to the peril of Windstorm or Hail,

for any one loss, we will pay only that part of the total of all loss payable that exceeds the applicable Named Storm Deductible described in Paragraph B.2. of this endorse-ment.

2. The applicable Named Storm Deductible: a. Is either:

(1) The dollar amount shown in the Schedule as the Named Storm Deductible; or

(2) If a percentage is shown in the Schedule, the dollar amount deter-mined by multiplying the Coverage A Limit Of Liability shown in the Declarations by the percentage shown as the Named Storm Deduct-ible in the Schedule.

b. Only applies to loss caused by the peril of Windstorm or Hail during the period: (1) Beginning at the time a named storm

watch or named storm warning is issued or declared for any part of the "state" by the National Hurricane Center or the Central Pacific Hurricane Center of the National Weather Service; and

(2) Ending 24 hours following the termination of the last named storm watch or named storm warning for any part of the "state" by the National Hurricane Center or the Central Pacific Hurricane Center of the National Weather Service.



Page 2 of 2

HO 03 18 (01-12)




Text Comparison Documents Compared HO 04 90 (05-11) Personal Property Replacement Cost Loss Settlement.pdf HO 04 90 (01-12) Personal Property Replacement Cost Loss Settlement.pdf Summary 54 word(s) added 24 word(s) deleted 489 word(s) matched 5 block(s) matched

HOMEOWNERS HO 04 90 05 11



PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENT

A. Eligible Property 1. Covered losses to the following property are

settled at replacement cost at the time of the loss:

a. Coverage C; and b. If covered in this policy: (1) Awnings, outdoor antennas and outdoor

equipment; and (2) Carpeting and household appliances;

whether or not attached to buildings. 2. This method of loss settlement will also apply

to the following articles or classes of property if they are separately described and specifically insured in this policy and not subject to agreed value loss settlement:

a. Jewelry; b. Furs and garments: (1) Trimmed with fur; or (2) Consisting principally of fur; c. Cameras, projection machines, films and

related articles of equipment; d. Musical equipment and related articles of

equipment; e. Silverware, silver-plated ware, goldware,

gold-plated ware and pewterware, but excluding:

(1) Pens or pencils; (2) Flasks; (3) Smoking implements; or (4) Jewelry; and f. Golfer's equipment meaning golf clubs, golf

clothing and golf equipment. Personal Property Replacement Cost loss settlement will not apply to other classes of property separately described and specifically insured.

B. Ineligible Property Property listed below is not eligible for replacement cost loss settlement. Any loss will be settled at actual cash value at the time of loss but not more than the amount required to repair or replace.

1. Antiques, fine arts, paintings and similar articles of rarity or antiquity, which cannot be replaced.

2. Memorabilia, souvenirs, collectors items and similar articles, whose age or history contribute to their value.

3. Articles not maintained in good or workable condition.

4. Articles that are outdated or obsolete and are stored or not being used.

C. Replacement Cost Loss Settlement Condition The following loss settlement condition applies to all property described in A. above:

1. We will pay no more than the least of the following amounts:

a. Replacement cost at the time of loss without deduction for depreciation;

b. The full cost of repair at the time of loss; c. The limit of liability that applies to Coverage

C, if applicable; d. Any applicable special limits of liability

stated in this policy; or e. For loss to any item described in A.2.a. – f.

above, the limit of liability that applies to the item.

2. If the cost to repair or replace the property described in A. above is more than $500, we will pay no more than the actual cash value for the loss until the actual repair or replacement is complete.

3. You may make a claim for loss on an actual cash value basis and then make claim for any additional liability in accordance with this endorsement provided you notify us, within 180 days after the date of the loss, of your intent to repair or replace the damaged property.


HO 04 90 (05-11) Personal Property Replacement Cost Loss Settlement.pdf



Page 1 of 1 HO 04 90 (01-12).DOC



A. Eligible Property

1. Covered losses to the following property are settled at replacement cost at the time of the loss: a. Coverage C; and b. If covered in this policy:

(1) Awnings, outdoor antennas and outdoor equipment; and

(2) Carpeting and household appliances;


to the following articles or classes of property if they are separately described and specifically insured in this policy and not subject to agreed value loss settlement: a. Jewelry; b. Furs and garments:

(1) Trimmed with fur; or (2) Consisting principally of fur;

c. Cameras, projection machines, films and related articles of equipment;

d. Musical equipment and related articles of equipment;

e. Silverware, silver-plated ware, goldware, gold-plated ware and pewterware, but excluding: (1) Pens or pencils; (2) Flasks; (3) Smoking implements; or (4) Jewelry; and

f. Golfer's equipment meaning golf clubs, golf clothing, and golf equipment.

Personal Property Replacement Cost loss settlement will not apply to other classes of property separately described and specifically insured.



2. Memorabilia, souvenirs, collectors' items, and similar articles, whose age or history contribute to their value.



5. Farm personal property 6. Motorized land conveyances if powered by

more than 25 horsepower or if more than 30 years old.

C. Replacement Cost Loss Settlement Condition The following loss settlement condition applies to all property described in A. above: 1. We will pay no more than the least of the

following amounts: a. Replacement cost at the time of loss

without deduction for depreciation; b. The full cost of repair at the time of loss; c. The limit of liability that applies to

Coverage C, if applicable; d. Any applicable special limits of liability

stated in this policy; or e. For loss to any item described in A.2.a. –

f. above, the limit of liability that applies to the item.




HO 04 90 (01-12) Personal Property Replacement Cost Loss Settlement.pdf



Page 1 of 1 HO 04 90 (01-12).DOC



A. Eligible Property

1. Covered losses to the following property are settled at replacement cost at the time of the loss: a. Coverage C; and b. If covered in this policy:

(1) Awnings, outdoor antennas and outdoor equipment; and

(2) Carpeting and household appliances;


to the following articles or classes of property if they are separately described and specifically insured in this policy and not subject to agreed value loss settlement: a. Jewelry; b. Furs and garments:

(1) Trimmed with fur; or (2) Consisting principally of fur;

c. Cameras, projection machines, films and related articles of equipment;

d. Musical equipment and related articles of equipment;

e. Silverware, silver-plated ware, goldware, gold-plated ware and pewterware, but excluding: (1) Pens or pencils; (2) Flasks; (3) Smoking implements; or (4) Jewelry; and

f. Golfer's equipment meaning golf clubs, golf clothing, and golf equipment.

Personal Property Replacement Cost loss settlement will not apply to other classes of property separately described and specifically insured.



2. Memorabilia, souvenirs, collectors' items, and similar articles, whose age or history contribute to their value.



5. Farm personal property 6. Motorized land conveyances if powered by

more than 25 horsepower or if more than 30 years old.

C. Replacement Cost Loss Settlement Condition The following loss settlement condition applies to all property described in A. above: 1. We will pay no more than the least of the

following amounts: a. Replacement cost at the time of loss

without deduction for depreciation; b. The full cost of repair at the time of loss; c. The limit of liability that applies to

Coverage C, if applicable; d. Any applicable special limits of liability

stated in this policy; or e. For loss to any item described in A.2.a. –

f. above, the limit of liability that applies to the item.




Quote NumberHMQ0000463

Effective01.19.12

Expiration01.19.13

Agent Number0630102

Amt Submitted Pay Plan

Insured AgentTESTING CLUE49 HOWARD STSALEM, NH 03079

BIRARELLI INSURANCE AGENCY LLC55 CHERRY STMILFORD, CT 06460

Property Address

49 HOWARD STSALEM, NH 03079

Rating InformationCounty ROCKINGHAM Occupant Status Occupancy - 12 monthsTerritory 08 Year Built 1960Form HO 00 03 Construction FrameProtection Class 5 External Cladding Wood or Plastic SidingProperty Location Inside City All Other Deductible $500Number of Families 1 Wind/Hail Deductible $0Household Size 1 Hurricane % Deductible N/A

Homeowner Coverages Limit of Liability PremiumsA. Dwelling $260,000 $1,144B. Other Structures $26,000 InclC. Personal Property $182,000 InclD. Loss of Use $52,000 InclE. Personal Liability $300,000 $133F. Med Pay $1,000 Incl

DiscountsRoof Shape Hip InclBuilding Feature All Openings Covered InclInsurance Score Group A

Additional Coverages and Endorsements Limit of Liability PremiumsReplacement Cost Coverage C InclIdentity Fraud Expense Coverage InclHO2491 W/C and Employers Liab $3HO0498 Refrigerated Prop Cvg Incl

Unscheduled CoveragesMoney $200 InclJewelry $1,500 InclSecurities $1,500 inclWatercraft $1,500 InclTrailers $1,500 InclFirearms $2,500 InclSilverware $2,500 InclOn Premises-Business $1,500 InclOff Premises-Business $1,500 InclPortable Electronics $1,500 InclTapes, Disks $250 InclCredit Card $1,000 Incl

Total Premium $1,280

42 Industrial Park RdSaco, ME 04072(800) 346-0026

Homeowner Application

UNDERWRITING INFORMATION: Dwelling

Q1 Has there been insurance in force in the last 30 days? (If this is a newly acquiredproperty, please select yes)

A1

Q2 Previously insured with Casco Indemnity Company? A2

Q3 Is house for sale? A3

Q4 Any coverage declined, cancelled or non-renewed during the last 3 years? If yes, selectthe reason.

A4

Q5 If coverage declined, cancelled or non-renewed, please describe the reason: A5

Q6 Number of losses, whether or not paid by insurance, during the last 3 years at this or atany other location?

A6

Q7 Describe the losses noted above: A7

Q8 During the last five years, has any resident(s) of your household been convicted of anydegree of the crime of arson or any other felony?

A8

Q9 List all policies currently with Ohio Mutual Insurance Group &/or Casco IndemnityCompany:

A9

Q10 Does the insured own any outbuildings? A10

Q11 Any farming or other business conducted by the insured or by others on the premises? A11

Q12 Total acres A12

Q13 Does the insured own or board any farm animals (e.g. horses, cattle)? A13

Q14 If previous answer is yes, please advise the total number of animals: A14

Q15 Are there any exotic or non-domesticated animals (e.g. bears, cougars, lions and largesnakes)?

A15

Q16 Are there any dogs with a history of biting, classified as dangerous or vicious, and/or anyof the following breeds: Rottweilers, wolf breeds, Dobermans, Akitas, Chows, PresaCanarios, Pit Bulls, American Staffordshire Terriers, Staffordshire Bull Terriers, BullTerrier AKC breeds, UKC American Pit Bull Terriers or any breed of dog mixed with anyof the aforementioned breeds?

A16

Q17 Does the insured have an Umbrella policy? A17

Q18 Do all steps having 3 or more steps and all porches measuring three feet or more off theground have an appropriate railing?

A18

Q19 If the dwelling is under construction is the estimated completion date greater than 7months?

A19

Q20 If the dwelling is under construction, is it being built by a contractor? A20

Q21 If insured has a woodstove, is it the primary source of heat? A21

Q22 Is the dwelling on the historical registry of homes? A22

Q23 RCT of home was completed as A23

Q24 Is there an oil or gas well located on the insured premises? A24

Q25 Is there an underground or exterior oil tank on the insured premises? A25



Notice of Insurance Information Practices Personal information about you, including information from a credit or other investigative report, may be collected from persons otherthan you in connection with this application for insurance and subsequent amendments and renewals. Such information as well as otherpersonal and privileged information collected by us or our agents may in certain circumstances be disclosed to third parties without yourauthorization. Credit scoring information may be used to help determine either your eligibility for insurance or the premium you will becharged. We may use a third party in connection with the development of your score. You have the right to review your personalinformation in our files and can request correction of any inaccuracies. A more detailed description of your rights and our practicesregarding such information is available upon request. Contact your agent for instructions on how to submit a request to us. Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance orstatement of claim containing any materially false information, or conceals for the purpose of misleading information concerning anyfact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and civil penalties. Allinformation stated in this application is material to a determination of the risk for which the policy is requested. The information in thisapplication will be incorporated in the insurance policy. Your signature on the application warrants that the statements in thisapplication are true and correct and that nothing has been concealed or misstated. Concealment or misstatement of information in thisapplication voids the insurance coverage under the policy for which you are applying from its beginning as if the insurance coveragehad never been bound and as if the policy had never been issued. Applicant's Statement: I have read the above application and any attachments. I declare that the information provided in them is true,complete and correct.

Date: 12/01/11Time: Applicant's Signature Producer's Signature



Policy PeriodPolicy Number From To

Transaction

Named Insured and Address Agent

Telephone:

CascoIndemnityCompany

Ohio Mutual Insurance Groupmember of the 42 Industrial Park Road

Saco, Maine 04072

HOMEOWNER MASTER SERIES DECLARATION

HMS 0000626 00 01/19/2012 01/19/2013

NEW BUSINESS DECLARATION

TEST ONE3 DUMBARTON OAKSSTRATHAM NH 03885

MARC D GLASS AGENCY265 ELLINGTON RDEAST HARTFORD CT 06108

860-282-0016 0630109

Pay Plan Annual Full Pay

POLICY PREMIUM TOTAL (THIS IS NOT AN INVOICE FOR PAYMENT) $959

The premises covered by this policy is located:

Coverage at the above described location is provided only where a limit of liability is shown or a premium is stated.

3 DUMBARTON OAKS, STRATHAM, NH 03885

RATING INFORMATIONTerritory 008 Number of Apartments 13Protection Class 8 Automatic Value Up at RenewalFeet to Hydrant 999 Section I Loss Deductible $500Primary Residence Sect.I Higher Wind/Hail Ded.Inside City Fixed-Dollar $1,000Fire ResistiveNumber of Families 1

SECTION I - PROPERTY COVERAGES Limit of Liability PremiumsCoverage A - Dwelling $211,000 $838Coverage B - Other Structures $21,100 InclCoverage CCoverage D

- Personal Property- Loss of Use

$147,700 Incl $42,200 Incl

SECTION II - LIABILITY COVERAGES

Coverage ECoverage F - Medical Payments to Others - Each Person

- Personal Liability - Each Occurrence $300,000 $63 $1,000 Incl

SECTION II - LIABILITY COVERAGES PROVIDED UNDER POLICY NUMBER LITTLE HARB

THE FOLLOWING DISCOUNTS APPLY

Insurance ScoreLocal Burg/Fire or Smoke

ADDITIONAL INFORMATION

OM 04 55 Identity Fraud Expense Limit is $5,000

ADDITIONAL COVERAGES AND ENDORSEMENTS

HO 04 27 Limited Fungi, Wet or Dry Rot, or Bacteria Cov w/ HO0003 and HO0005 $0

HO 04 98 Refrigerated Prop Coverage $0

$3

JEWEL Sched Jewelry HO0460/61 $55

OM 04 55 Identity Fraud Expense Coverage $0

Issued Date:Page

12/01/2011INSURED COPY 1 of 2

Continued on Next Page

Policy PeriodPolicy Number From To

Transaction


Telephone:


Ohio Mutual Insurance Groupmember of the 42 Industrial Park Road

Saco, Maine 04072

HOMEOWNER MASTER SERIES DECLARATION

HMS 0000626 00 01/19/2012 01/19/2013




860-282-0016 0630109

Pay Plan Annual Full Pay

Forms and EndorsementsForm # Date Form # Date Form # Form #Date Date Form # Date

HO 00 03 (5/11) HO 01 28 (5/11) HO 03 18 (5/11) HO 04 27 (5/11) HO 04 61 (5/11)HO 04 90 (1/12) HO 04 96 (5/11) HO 04 98 (5/11) HO 24 91 (1/08) HO-292 (10/03)ML-146 (1/05) OM 01 01 (12/10) OM 01 06 (5/02) OM 04 55 (6/09)

Policy Interests

L 1980000 ISF 0000 WBRR Very Low

Issued Date:Page


Transaction


Telephone:

SCHEDULED ITEMS

ITEM DESCRIPTION


member of the 42 Industrial Park RoadSaco, Maine 04072Ohio Mutual Insurance Group

Policy Number Policy PeriodFrom To

HMS 0000626 00 01/19/2012 01/19/2013



0630109


860-282-0016

AMOUNT OFINSURANCE

HO 04 61 - SCHED PERS PROPERTY ENDORSEMNT

Scheduled Property Cov - JewelryDIAMOND NECKLACE 1 $5,000

Issued Date:Page


Account Number:

See reverse side for billing terms and conditions, andmethods of payment.

Policy Coverage Period:

Please contact your agent with any questions

Telephone:

Billing Statement

Policy Type:

Agent:

Pay Plan:Pay Plan:

Date Issued:

HMS 0000586

March 15, 2012 to March 15, 2013Annual Full Pay

Policy Balance: $903.00

Insured HMS 0000586 00FORM SIX1 PARK AVEHAMPTON NH 03842

POLICY INVOICE

Amount Due: $903.00

Must be received by: March 15, 2012

11/30/2011

2810602Archie D Jennings Agency IncPO Box 13Winchester NH 03470

603-239-4971

Policy Bill DetailsInstallment Date Transaction Amount

01 11/30/2011 New policy premium $903.00

Notice1Just call 1-866-680-5508 or visit https://billing.omig.com to make your payment

You can use your account number HMS 0000586 to pay by phone or online!

Remit this portion with your payment(Do not fold or staple)

Account Number Policy Balance Due Date Amount Due

If you pay by check, please allow a week for payment to bereceived. Make checks payable to:

Detach along the perforation

Agent

Insured

HMS 0000586 $903.00 03/15/2012 $903.00

Ohio Mutual Insurance GroupP.O. Box 740656Cincinnati, OH 45274-0656

FORM SIX1 PARK AVEHAMPTON NH 03842

HMS0000586770000903000000903005

2810602Archie D Jennings Agency Inc

POLICY INVOICE340282

Billing Terms and Conditions:

Payments: We reserve the right to process checks electronically, at first presentment and any re-presentments, by transmitting theamount of the check, routing number, account number, and check serial number to find your financial institution.

We may assess a $15.00 fee to reinstate your policy. To avoid a reinstatement fee, we must receive yourReinstatement Fees:payment for the amount billed prior to the cancellation effective date.

Late Fees: We may assess a fee, up to $15.00, for payments received after the due date.

Installment Fees: We may assess a fee, up to $10.00, per invoice sent to you on a payment plan (other than full pay).

NSF Fees: There is a $25.00 NSF fee for all Returned checks.

Service Fees: There may be a BillMatrix service fee of $4.95 for all forms of payment through the on-line bill pay and telephoneservice. While you are paying your account with Ohio Mutual Insurance Group, the full amount of the fee is paid directly toBillMatrix as the provider of these services.

Methods of Payment Available:By mail - Send a check or money order with the remittance portion of the invoice on the reverse side of this invoice.

Automatic Deduction (EFT) - Your local agent can set you up to have your payments electronically deducted from your bank account.

By phone - Call 1-866-680-5508 to pay by credit card, ATM debit card, or electronic check through our automated voice response

On-line - Visit https://billing.omig.com to pay by credit card, ATM debit card, or electronic check. You must provide your account

unit. You must provide your account number HMS 0000586 to ensure accurate posting of your payment. Please note there may be $4.95 fee for this payment option, to be paid directly from your account.

number HMS 0000586 to ensure accurate posting of your payment. Please note there may be $4.95 fee for this payment option.

Casco

Indemnity

Company

member of the

Ohio Mutual Insurance Group

xxxxxxxx

Date: XXXXXXXXXX [‘mn.Qc Prz

Policy No. XXXXXXXXXXXXXXX [y,t2w-e l+cvJ

Reference No: XXXXXXXXXXXXXX CVPcbQn PrkJ

We value your business, and we take seriously the confidence and tmst that you have placed with ourCasco Indemnity Agent and our Company. Thank you!

Developing premiums that are fair to our Policyholders involves the consideration of many factors, suchas driving records for auto policies, housing construction for homeowner policies, and prior loss historyand insurance scoring for various policy types. Some of these factors, such as insurance scoring, canprovide significant credits to your final premium.

The insurance score used for this policy was obtained from ChoicePoint, a National Vendor whichsupplies your insurance score at our request. You are entitled to receive a free copy of your credit reportfrom ChoicePoint, Inc. You may call ChoicePoint, Inc. at 1-800456-6004, write to them at ChoicePointConsumer Center, P0 Box 105108, Atlanta, GA 30348-5 108, or access their website atwww.consumerdisclosure.com. This request must be made within 60 days of the receipt of this letter, anda copy will be mailed to you. To obtain additional information regarding the reasons shown below,including an expanded definition and ways to improve this aspect of your score, go towww.consumerdisclosure.com and select Reports, then Credit Reports.

Please refer to the Reference Number listed above should you choose to contact ChoicePoint.

— ç The reasons that are most affecting your insurance score are:

aja)\4xxx xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxV ( ,)\ xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

\xxxx XXXXXXXXXXXXXxXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

ii— .< xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

( xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

ChoicePoint did not make any decision regarding how your premium was determined, and is unable toprovide any specific reasons on this matter. You do have the right to dispute the accuracy andcompleteness of your report, and will receive instructions on how to do this when you receive your reportcopy.

Thank you again for choosing Casco Indemnity Company.

42 Industrial Park Road, Saco, ME 04072 207.284.8538 cascoind.com

of 1 UOI-101 (01-12).DOC

OHIO MUTUAL INSURANCE GROUP 1725 Hopley Avenue, P.O. Box 111 Bucyrus, Ohio 44820-0111 (800) 686-3011 Fax (888) 895-7726 www.omig.com

NOTICE OF COMPANY INFORMATION PRACTICES We are sending this notice to ALL United Ohio Insurance Company, Ohio Mutual Insurance Company, and Casco Indemnity Company policyholders to comply with the Gramm-Leach-Bliley Act (GLBA) and other legislation or rules regarding your privacy. This notice is being provided to advise you of our information gathering practices when you apply for insurance or when your policy is renewed. We collect nonpublic personal information about you and members of your household, in connection with your insurance transactions with us. Personal Information about you, including credit history or insurance score may be obtained and used in connection with underwriting or rating your policy. Other information may be collected from persons other than you in connection with your insurance coverage and subsequent renewals. The type of information collected may vary depending on the type of insurance policy or coverage you desire, and it may include:

• Information we receive from you on applications and other forms; • Information about your transactions with us, our affiliates or others; • Information we receive from consumer reporting agencies and other sources: and • With your permission, information from a medical professional.

We DO NOT DISCLOSE any nonpublic personal information about our policyholders or former policyholders to anyone, except as permitted by law. We DO NOT RESELL or provide any information we gather to third parties that may wish to provide you with information about their products and services. On your behalf and for your protection, we have exercised your option to “Opt Out” of disclosing your non-public personal information to nonaffiliated third parties. We will keep this on record, which eliminates your need to notify us.

X I wish to "Opt Out" of disclosing my nonpublic personal information to nonaffiliated third parties.

As part of servicing or maintaining your policy, and for legally permitted purposes, we can disclose your nonpublic personal information among affiliated companies. In certain instances, the law also permits us to disclose your nonpublic personal information to third parties without your authorization. You have a right to obtain access to your nonpublic personal information that we have recorded. You also have the right to correct inaccurate information by writing to us at the above address with your concerns. We restrict access to your nonpublic personal information to our employees and others who need to know that information in order to provide products and services to you. We maintain security over our records to protect your personal information as required by law. If you desire more details about our information practices, your rights to access and to request changes to your nonpublic personal information in our files, please contact us at the above address.

THIS FORM DOES NOT HAVE TO BE RETURNED.








Supporting Document Schedules

Item Status: Status

Date:

Satisfied - Item: Filing Memorandum

Comments:

Attachment:

FILING MEMORANDUM - Forms.pdf

Item Status: Status

Date:

Satisfied - Item: NH Retaliatory Fees

Comments:

Attachment:

NH Retaliatory Fee - Forms Filing.pdf

Item Status: Status

Date:

Satisfied - Item: Underwriting Guidelines-Personal

Lines Rate Filings

Comments:

Attachment:

HMS NH - Guidelines - 2012-01 chg'd 3-6-12.pdf

Item Status: Status

Date:

Satisfied - Item: Objection #2 - Portable Tools

Guidelines_Rules

Comments:

Attachment:

Objection #2 Portable Tools Floater Rules.pdf

Item Status: Status

Date:








Satisfied - Item: Objection # 6 and # 9 - Fees

Comments:

Attachment:

Objection # 6 and # 9 - Fees.pdf

Item Status: Status

Date:

Satisfied - Item: Objection # 14 - GU 6784

Comments:

Attachment:

Objection # 14 - GU 6784 Rules.pdf

Item Status: Status

Date:

Satisfied - Item: Objection #10 - HO 03 18

Comments:

I have attached the underwriting guidelines page with respect to the Named Storm Deductible HO 03 18.

Attachment:

Objection # 10 - Named Storm HO 03 18.pdf

Item Status: Status

Date:

Satisfied - Item: Objection #11 - Direct Bill

Installment Fees

Comments:

Attachment:

Objection # 11 - Installment Fees.pdf

Item Status: Status

Date:

Satisfied - Item: Objection # 21 - OM 00 48 -

Specific Structures Rules Page

Comments:

Attachment:

Objection # 21 - OM 00 48 - Specific Structures.pdf








Item Status: Status

Date:

Satisfied - Item: Objection # 38 - Farm Rules

Comments:

These rules were filed with our Rates and Rules Filing OHMG - 127853341

Attachment:

Objection # 38 - Farming Rules.pdf

FILING MEMORANDUM

FORMS Casco Indemnity Company located in Saco Maine and a Member of the Ohio Mutual Insurance Group located in Bucyrus Ohio is filing under a separate filing (refer to SERFF Tracking Number OHMG‐127853341) a new homeowner’s product in the State of New Hampshire. This filing is for the forms that will be used with that product. This new product will be effective 01‐15‐2012.

We are filing a modification/exception filing to the ISO filing HO‐2010‐OFR10. This filing approved the 05‐11 edition date of the homeowner’s wording that we will be using.

Exceptions to ISO filing (HO‐2010‐OFR10) are as follows:

1. ISO forms (filed) not implementing: a. HO 04 14 Special Computer Coverage b. HO 04 46 Inflation Guard c. HO 04 52 Livestock Collision Coverage d. HO 04 55 Identity Fraud Expense Coverage e. HO 04 58 Other Members of Your Household f. HO 04 95 Limited Water Back‐up and Sump Discharge or Overflow Coverage g. HO 05 30 Functional Replacement Cost Loss Settlement h. HO 07 55 Special Coverage – Spoilage of Perishable Stock i. HO 24 13 Incidental Low Power Recreational Motor Vehicle Liability Coverage

Endorsement j. HO 24 64 Owned Snowmobile k. HO 24 75 Watercraft l. MH 04 01 Mobilehome Endorsement m. MH 04 02 Actual Cash Value Mobilehome n. MH 04 03 Transportation/Permission to Move o. MH 04 04 Mobilehome Lienholder’s Single Interest p. MH 04 06 Property Removed Increased Limit q. MH 04 08 Ordinance or Law Coverage r. HO 00 22 Transition Endorsement for HO 00 02 s. HO 00 23 Transition Endorsement for HO 00 03 t. HO 00 24 Transition Endorsement for HO 00 04 u. HO 00 25 Transition Endorsement for HO 00 05 v. HO 00 26 Transition Endorsement for HO 00 06 w. HO P Advisory Notices to Policyholders HO P 004; HO P 011; HO P 012; HO P 013; HO

P 014; HO P 015; and HO P 016 x. HO R Quick Reference HO R 016; HO R 017; HO R 018; HO R 019; HO R 020; and HO R

0 21

2. ISO Forms Implemented but changes made to the form

a. HO 03 18 Hurricane Deductible – renamed Named Storm Deductible b. HO 04 11 Additional Limits of Liability for Coverages A, B, C, and D – added a limitation of

only allowing additional 25%, as did not want to allow an unlimited amount c. HO 04 90 Personal Property Replacement Costs Loss Settlement – added to list of ineligible

items that replacement coverage does not apply to (1) Farm Personal Property, and (2) motorized land conveyances if powered by more than 25 horsepower or if more than 30 years old. Both of these items are currently filed and approved in our Ohio form.

3. Additional forms to be used with the homeowner’s product a. A 119 Uninsured/Underinsured Motorists Coverage for Recreational Motor Vehicles b. CP 164 Recreational Motor Vehicle Liability c. GU 6784 General Endorsement d. HO 77 Recreational Vehicles/Snowmobiles (Physical Damage) e. HO 79 Boats and Motors (Physical Damage) f. MH 00 27 Mobilehome Lienholder’s Single Interest g. MH 02 00 Mobile/Manufactured Home Endorsement h. ML 146 Asbestos and Silica Exclusion i. ML 170 Home Computer Endorsement j. OM 00 08 Functional Replacement Cost Loss Settlement k. OM 04 48 Specific Structures on the Residence Premises l. OM 00 90 Waterbed Liability Coverage m. OM 01 02 Amendatory Endorsement – HMS n. OM 01 06 Amendment of Insuring Agreement – Known Injury or Damage o. OM 02 94 Water Back‐Up and Sump Discharge or Overflow p. OM 02 95 Back‐Up of Sewers or Drains q. OM 04 55 Identity Fraud Expense Coverage r. OM 04 58 Other Members of Your Household s. OM 24 75 Watercraft Liability t. OM 24 80 Volunteer Wrongful Acts Coverage u. IM 100 Inland Marine Terms v. BIF – 1 Broad Form Installation Coverage w. IM‐175‐5 Jewelry Deductible x. IM 212 Gun Coverage y. IM 282 Wedding Present Coverage z. IM‐458‐1 Limited Theft Coverage aa. IM‐664‐10 Named Peril Coverage – Musical Instruments bb. IM‐851 Farm Machinery Blanket Coverage cc. IM‐860 Scheduled Livestock Coverage dd. IM‐860‐5 Optional Livestock Perils Coverage ee. IM‐861 Livestock Coverage ff. IM‐901 Scheduled Property Coverage

gg. IM‐902 Scheduled Property Coverage – Named Peril hh. IMU‐175 Personal Articles Coverage ii. IMU‐176 Personal Property Coverage jj. IMU‐178 Fur Depreciation kk. IMU‐179 Jewelry in Vaults ll. IMU‐215 Sports Equipment Coverages mm. IMU‐235 Satellite Dish Coverage nn. IMU‐850 Farm Machinery Scheduled Coverage oo. PTF‐1 Portable Tools Coverage – Named Peril pp. PTF‐2 Portable Tool Coverage qq. OM 10 10 MastersOne rr. OM 10 20 MastersTwo ss. OM 10 30 MastersThree tt. OM 10 40 MastersFour uu. OM 03 99 Service Line Coverage vv. HO 09 98 Equipment Breakdown Coverage ww. OM 01 81 Other Structure Exclusion xx. IL UO 27 Exotic Animal Exclusion

All forms that are new and those changed are attached with this filing.

Respectfully submitted,

New Hampshire Retaliatory Fee Summary Page Company Name on Check (Fee Paid by) Casco Indemnity Company

Date Check Mailed with this Fee Summary Attached

Check Amount $20.00

Type of Filing File & Use - Prior Approval - Forms

Check Number

Company Filing Number HMSNH01152012 - Forms

Date on Check

Submission/SERFF Tracking Number OHMG-127853358

Companies Filing

State of Domicile

Company Code

Show Retaliatory Fee Calculation

Fee Total

Casco Indemnity Company

Maine

25950

Filing Fee = $20.00

$20.00

Total of Retaliatory Fees for this Filing Submission

For State Use Only Account

Check Number

Date

Initials

Amount

Review

1/04

The Homeowner Specialist

New Hampshire Underwriting Guidelines

42 Industrial Park Road Saco, Maine 04072 Phone: 800-346-0026 Fax: 207-284-9286

HOMEOWNER MASTERS SERIES NEW HAMPSHIRE (28)

UNDERWRITING GUIDELINES

INDEX PAGE DESCRIPTION NO.

MAN-39 (01-12) Guidelines Page 2 HMS MANUAL.DOC

Agents Binding Guide .............................................................................................................................................. 1‐3 Binding Authority ....................................................................................................................................................... 4 Coastal Territories ...................................................................................................................................................... 5 Direct Bill ............................................................................................................................................................. 10‐11 e‐Quip'd® Submissions ............................................................................................................................................... 6 HO 00 04 .................................................................................................................................................................... 8 Inspections ................................................................................................................................................................. 6 Insurance Scoring ....................................................................................................................................................... 6 Location PPC............................................................................................................................................................. 10 Optional Farm Inland Marine Endorsements .......................................................................................................... 12

Photographs ............................................................................................................................................................... 6 Prior Approval ............................................................................................................................................................ 8 Prohibited Risks .......................................................................................................................................................... 7 Recreational Motor Vehicles ...................................................................................................................................... 9 Replacement Cost ...................................................................................................................................................... 8 Residential Cost Estimating Form .............................................................................................................................. 6 Risk Selection Philosophy ........................................................................................................................................... 4 Swimming Pools ......................................................................................................................................................... 8 Trampolines ............................................................................................................................................................... 8 Water Back‐up and Sump Discharge or Overflow ................................................................................................... 10 Watercraft .................................................................................................................................................................. 9




AGENTS BINDING GUIDE

SUBJECT HOME Policy Forms HO 00 03, HO 00 05, HO 00 06, and HO 00 04 Maximum Binding Authority for Agents (Refer to Company for Higher Limits)

HO 00 03 and HO 00 05 – Coverage A – Dwelling $600,000 HO 00 04 – Coverage C – Personal Property $150,000 HO 00 06 – Coverage C – Personal Property $200,000 HO 00 06 – Coverage A – Dwelling $250,000

Minimum Value HO 00 03 and HO 00 05 – Coverage A – Dwelling $125,000 HO 00 04 – Coverage C – Personal Property $15,000 HO 00 06 – Coverage C – Personal Property $15,000

Occupancy Owner occupied 1- to 4- family dwelling used for primary residential purposes.

Vacant/Unoccupied Property

Ineligible

Seasonal/Secondary Property

Requires prior underwriting approval Cannot be rented to others

Protection Class • PC 9 & 10 requires prior underwriting approval • PC 9 & 10 with wood burning stove is prohibited

Insurance Score • An insurance score must be ordered on each prospective insured and 2nd named insured (if applicable) with every new business application.

• The policy will be rated using the better of the two scores if more than one score is ordered. If the agents uses e-Quip’d®, the system will automatically apply the best score.

Insured to Value • 100% of the replacement cost of the dwelling • If not insured at 100% of replacement cost HO 04 81, Actual

Cash Value Loss Settlement, endorsement must be added • Replacement Cost Estimating Form must be completed on

e-Quip’d® Wood Burning Device • ISO rated protection class 1-8

• Certificate of inspection verifying proper installation required (must be professionally installed to manufacturer’s specifications with appropriate clearances)

• Must be UL Approved • Prohibited if the primary or only source of heat • Photo and Supplemental Application must be submitted

Losses • No more than one loss in the last three years • If there is a second loss that is over 3 years old, contact

Company for approval Prohibited Risks

• No insurance in the past 30 days (not applicable to newly acquired property or to HO 00 04 Applications)

• Vacant or Unoccupied Property • Any applicant or resident of the household convicted of a

felony in the last five years • Any vicious or aggressive animals, exotic, or non-

domesticated animals • Any dog with a bite history or classified as dangerous or

vicious • Any dog on the prohibited list – see Manual for full list

(Cont'd.)





SUBJECT HOME Prohibited Risks

(Cont'd.) • Underground or exterior oil tanks • Unrepaired damage • Boarding or rooming houses, dormitory, fraternity or sorority

houses, or condominiums rented to others • Hazardous liability exposures on premises

Ineligible Construction Types

• Log Homes • Mobile Homes • House Trailers • Double-wide Manufactured Homes • Houseboats • Homes constructed with EIFS (Exterior Insulation and Finish

Systems) • Homes constructed with Chinese drywall • Earth sheltered homes • Dwelling converted from original use is prohibited

Property Conditions • Foundation must be enclosed • Must show evidence of on-going maintenance to property • Fences, gates, doors, and windows must be in good working

condition • Yard must be free of debris and potential liability hazards

including, but not limited to: Refrigerators, inoperative autos, flammable materials, piles of refuse, tall grass, tree branches over structures, skateboard or bicycle ramps, and unfenced hot tubs or swimming pools.

• Property must be free from hazardous liability exposures (such as stairs without handrails, walkways in poor repair, broken pavement, poor lighting, debris in yard, etc.).

Electrical Service • Must be at least 100 amp electrical service • Knob & tube and aluminum wiring are prohibited • Wiring must comply with current building codes

Plumbing • Must be updated in the last 40 years • No galvanized plumbing

Heating & AC • Heating or cooling system must be less than 30 years old • Primary heating system must be thermostatically controlled • No solid fuel burning devices in PC 9 • Wood burning device used as a primary source of heat is

prohibited • Gas, kerosene, or other types of space heaters are prohibited

Roof Conditions • Asphalt shingle roof must be less than 20 years old (requirement does not apply to slate or standing seam roof)

• Roof must be in good condition (i.e., no curling shingles/tiles, no missing shingles/tiles, free from debris, etc.)

• No flat or rolled asphalt roofing Domestic Employees • Not eligible if full- or part-time domestic employees are

employed by insured





SUBJECT HOME Public Figures • Do not bind, refer to Company for acceptability, any risk

involving "well-known" personalities, such as professional entertainers, professional athletes, broadcasters, telecasters, newspaper reporters, editors, publishers, mayors, federal or state legislators, or judges.

• Applications for persons holding other elected public office are to be referred to the Company to determine acceptability.

Swimming Pool • In-ground swimming pools must be completely surrounded by a fence (minimum of four feet in height) with a self-closing, self-latching gate.

• Above ground pools must meet all building codes, including height requirements, and: (1) must be completely surrounded by a fence with a self-

closing, self-latching gate; (2) have a removable ladder; or (3) have a self-closing, self-latching gate that controls access

from a deck. • Doors in buildings offering direct access to a pool must have

self-closing, self-latching mechanisms. • Jump boards and low diving boards are acceptable as long as

they have been professionally installed, meet code requirements, and are no more than 1 meter (39.37 inches) above the water surface.

Trampoline • All trampolines are required to have a manufacturer’s safety net around it.

• The trampoline must also be enclosed by a locked fence that is at least four feet in height.

• Owner of a trampoline must be in compliance with all ordinances or codes pertaining to trampolines.

Firearms • Firearms and ammunition must be stored in a locked container or must be equipped with trigger locks and chained to a storage rack

• Resident children and visitors to the premises should not have access to the firearms or the means to gain access

Oil and gas wells Ineligible Dwellings listed on the State or National Historic Home Registry

Ineligible

Brush and Wildfire Risks Ineligible

Requires prior Underwriting Approval

• Any risk within 1,000 feet of a brush zone, or within 2,500 feet (1/2) mile of a forested area or preserve

• Any property in fire Protection Class 9 in a known brush or wildfire area

• Any property in areas where either an evacuation order has been issued by the authorities as a result of encroaching wildfire, or the company has issued a moratorium

• Home with a wood roof • Any isolated property, or property not easily accessible by fire

apparatus due to rough terrain




A. RISK SELECTION PHILOSOPHY The property being insured must be in excellent condition, and pride of ownership should be evident. The agent should be proud to say they are the agent of record for the risk. To assist with knowing if the risk qualifies for Casco Indemnity’s Homeowner program, the property should be seen by the agency prior to coverage being bound.

B. BINDING AUTHORITY Agents are granted binding authority as defined and restricted in the Underwriting Guide. If a paper application is submitted, a fully completed, signed current edition date application must be received by the Company within 14 days of the requested effective date for applications submitted to the Company. All required supplemental applications, forms, and photos must also be provided within 14 days of the requested effective date. Binders are not acceptable. Policy change requests received more than 30 days after the requested effective date are subject to underwriting approval. Agent binding authority is limited during severe weather, earthquakes, and other catastrophes as follows: Severe Weather – No coverage may be bound on new business or by endorsement to in-force policies if the National Weather Service has issued a severe weather watch or warning for a specific area for the duration of the watch/warning. This includes, but is not limited to, watches/warnings for rain, wind, flood, snow, ice, tornado, or named storm. Earthquake – Earthquake coverage may not be bound on new business or by endorsement to in-force policies in a "restricted area" for 30 days following an earthquake tremor of 4.0 or more on the Richter Scale. This "restricted area" will include all properties within 200 miles from the epicenter of such earthquake. A notice will be issued if the moratorium is extended beyond ten days due to continued aftershocks. Other Catastrophes – In the event of a natural or man-made catastrophe, no coverage may be bound on new business or by endorsement to in-force policies for the duration of the event. In addition, no coverage may be bound in an area currently evacuated or on evacuation notice. This includes, but is not limited to, such events as fire, high wind, hail, flooding, hurricane, or named storm. Exceptions – The circumstances of any particular event may require amendment of these guidelines and we reserve the right to suspend your binding authority as we deem appropriate. We will notify you when this occurs.




C. COASTAL TERRITORIES Properties located in the following Zip Codes within 1 mile of the coast, must have met the requirements for acceptable loss mitigation on all exterior openings. In addition, a mandatory named storm deductible of $2,500 will be applied to the policy. Zip Code City Zip Code City Zip Code City

03801 Portsmouth 03843 Hampton 03870 Rye 03802 Portsmouth 03844 Hampton Falls 03871 Rye Beach 03840 Greenland 03854 New Castle 03874 Seabrook 03842 Hampton 03862 North Hampton

Named Storm Deductible

When the National Hurricane Center has issued a warning for New Hampshire concerning a named storm, we will settle losses according to the provisions of the named storm deductible arising from the named storm for a period starting at the declaration of the warning and ending 24 hours after the National Hurricane Center lifts the warning or downgrades the storm to a tropical storm, tropical depression, or severe thunderstorms. Coast Determination The distance to coast will be determined by ISO's (Insurance Services Office) Distance to Coast. Coast is defined as the Atlantic Ocean. Loss Mitigation Acceptable Loss Mitigation on all exterior openings including, but not limited to, doors, windows, garage doors, and skylights are required. 1. Storm Shutters

a. Plywood Shutters pre-cut, pre-drilled, and individually marked for installation meeting IBHS standards to fit over all window and door openings. They must be stored in a dry place on the premises. All fasteners must be corrosion resistant, and if clips are used as the fasteners, they must be ply lock. Proof of condition, ease of installation, and pre-installed anchorage hardware must be submitted to underwriter prior to binding coverage.

b. Permanent Storm Shutters, including Aluminum or Steel Storm Panels, Accordion, Roll Down,

Colonial/Bahama/Awning or "Clam Shell", meeting International Building Code (IBC) require-ments or other recognized national or local building code equivalents. They must be installed by a licensed contractor. Garage doors must be hurricane resistant or retrofitted with bracing to prevent defection and withstand wind-borne debris.

2. Impact Resistance Glass that is hurricane-resistant and meets International Building Code (IBC)

requirements or other recognized national or local building code equivalents. It must be installed by a licensed contractor.

NOTE: The dwelling and any other building located on or at the residence premises must have

approved opening protection. NOTE: Verification of compliance for any Loss Mitigation must be provided. NOTE: All properties are subject to inspection.




D. e-Quip'd® SUBMISSIONS e-Quip'd® is Ohio Mutual's electronic Quoting underwriting issuance printing delivery underwriting and policy issuance system that was designed to: • Quote the policy; or • Upload the policy, with Company issuance of documents. A fully completed, signed current edition date application must be on file in the Agent's office. All required forms, reports, and photos must also be on file in the Agent's office and provided within 14 days of the requested effective date. Binders are not acceptable. Periodic audits may be performed by Field and/or Underwriting personnel to verify that the signed application and all required forms, reports, and photos are on file in the agency office.

E. THE RESIDENTIAL COST ESTIMATING FORM This must be completed on all homes. The Company’s Replacement Cost Estimator on e-Quip’d® must be completed for each risk.

F. PHOTOGRAPHS Photographs of the front and rear of all dwellings and outbuildings, whether insured or not, should be submitted with the Homeowners application except those requesting HO 00 04 Coverage. NOTE: Underwriting reserves the right to request photographs of any risk. NOTE: Risk should be seen by agency prior to coverage being bound. Photos must be kept in

file.

G. INSPECTIONS We inspect most risks to determine acceptability. We share with the Agent and the Insured any conditions which are a threat to life or property. We reserve the right to order inspections and other underwriting reports on any individual risk and will do periodically. We expect compliance with any reasonable recommendations that we develop.

H. INSURANCE SCORING

We evaluate Insurance Score at new business and again on every third renewal of the policy:

• If there is only one insured, that score is used. • If there are two insureds and both are actual scores, the higher of the two is used. • If there are two insureds and one score is No Hit (V) or Unscored (W), and the other is an actual

score, the actual score is used.




I. PROHIBITED RISKS Coverage for the following risks should not be bound, nor should an application be submitted (Applications received for such risks will be declined on the basis that coverage has not been bound.): 1. Property on which there has been no insurance in force for the last 30 days (not applicable to newly

acquired property or to HO 00 04 Applications). 2. Vacant property or unoccupied property. 3. Protection Class 9 or 10 property with a wood burning device (any Protection Class 9 or 10 requires

prior underwriting approval). 4. A dwelling constructed for more than a two-family occupancy. 5. Certain breeds of dogs (e.g., Rottweilers, wolf breeds, Dobermans, Akitas, Chows, Presa Canarios,

pit bulls, American Staffordshire Terriers, Staffordshire Bull Terriers, Bull Terrier AKC breeds, AKC’s and UKC's American Pit Bull Terriers). This would include, but is not limited to, any breed of dog mixed with any of the aforementioned breeds of dogs, any dog with a history of biting, and any dog classified as dangerous or vicious.

6. Vicious or aggressive animals, exotic, or non-domesticated animals (e.g., bears, cougars, lions, and large snakes).

7. Property that contains outdated or improperly maintained electrical or plumbing systems including less than 100 amp electrical service or any knob and tube wiring or aluminum wiring.

8. Plumbing over 40 years old and/or any galvanized steel plumbing. Or anything other than copper pipes for any lines under pressure. Pressurized PVC is allowable.

9. Any applicant or resident of the household convicted of a felony in the last five years. 10. Log Homes. 11. Mobile Homes including Mobile Manufactured Double-Wide Homes and House Trailers. 12. Houseboats. 13. Homes constructed with EIFS (Exterior Insulation and Finish Systems). 14. Homes constructed with Chinese drywall. 15. Underground or exterior oil tanks. 16. Dwelling converted from original use. 17. Oil and gas wells. 18. Unrepaired Damage. 19. Failure to meet local building codes. 20. Boarding or rooming houses, dormitory, fraternity or sorority houses, or condominiums rented to

others. 21. Flat or rolled asphalt roofs. 22. Hazardous liability exposures (such as stairs without handrails, walkways in poor repair, broken

pavement, poor lighting, debris in yard, etc). 23. Absence of a thermostatically controlled central heating system as the primary source of heat. 24. Wood burning stove as primary or only source of heat. 25. Wood burning stove that does not have Certificates of Inspection verifying proper installation or not

UL approved. 26. Use of gas, kerosene, or other types of space heaters are prohibited.




J. PRIOR APPROVAL Contact the Company for eligibility. 1. Public figures. Including but not limited to “well-known” personalities, such as professional enter-

tainers, professional athletes, broadcasters, telecasters, newspaper reporters, editors, publishers, mayors, federal or state legislators, or judges.

2. Properties located in Protection Class 9. 3. Properties located in Protection Class 10.

K. SWIMMING POOLS AND TRAMPOLINES Any private swimming pool, or the property on which the pool is located, shall be enclosed to prevent uncontrolled access and must meet the following requirements:

• In-ground swimming pools must be completely surrounded by a fence (minimum of four feet in height and in excellent condition) with a self-closing, self-latching gate.

• Above ground pools must meet all building codes, including height requirements, and: (1) must be completely surrounded by a fence with a self-closing, self-latching gate; (2) have a removable ladder; or (3) have a self-closing, self-latching gate that controls access from a deck.

• Doors in buildings offering direct access to a pool must have self-closing, self-latching mechanisms.

• Slides and diving boards are acceptable as long as they have been professionally installed and meet building code requirements.

Any trampoline on the property must meet the following requirements:

• All trampolines are required to have a manufacturer's safety net around it. • Trampoline must also be enclosed by a locked fence that is a least four feet in height and in

excellent condition. • Owner of the trampoline must be in compliance with all ordinances or codes pertaining to

trampolines.

L. REPLACEMENT COST The Homeowner rates in the Manual are discounted assuming the Insured has purchased insurance within 100% of Replacement Cost. If the home is not insured to 100% of Replacement Cost, the HO 04 81, Actual Cash Value Loss Settlement, endorsement must be attached.

M. HO 00 04 If the dwelling in which the personal property is located does not qualify for Homeowner coverage as does an owner-occupied dwelling, the personal property does not qualify for HO 00 04 Coverage.




N. RECREATIONAL MOTOR VEHICLES 1. The Recreational Vehicle Endorsement is available to Insureds whose household driving record does

not exceed four violations (two of which can be at-fault accidents). 2. Liability Only or Physical Damage Only coverage is available. 3. Drive Other coverage is not available. 4. UMPD (Uninsured Motorists Property Damage) is not available.

Prohibited Risks

1. Motorcycles, Motorbikes, Mopeds, Minibikes, Dirt bikes, or any ATV vehicle designed or able to be

licensed for road use. (Refer to NOTE:) 2. Any risks that are principally garaged outside of New Hampshire or operators who are residing

outside New Hampshire. 3. Vehicles used in races or speed contests are ineligible. 4. Physical Damage for any recreational vehicle over ten years old unless Application/Change Form is

accompanied by photos and an Inspection Report, which indicates the vehicle is in excellent condition.

5. Any recreational vehicle used for business purposes. 6. Any recreational vehicles leased or rented to others. 7. Golf Carts being used on public streets or highways are not eligible for coverage. 8. We will allow only one rewriting of a Recreational Vehicle Endorsement for the same unit. A lay-a-

way period is automatically taken into consideration in our rates.

NOTE: Prohibited Recreational Vehicles licensed for road use can be insured under our Personal and Commercial Auto Programs.

O. WATERCRAFT

1. The watercraft endorsements are available to Insureds whose household driving record does not

exceed four violations (two of which could be at-fault accidents). 2. The Casco Homeowner policy must be providing the personal liability for the Insured to provide

watercraft liability. 3. Coverage must be written for the coverage period of the policy, that is, to the expiration date. 4. Boats over 10 years old should be referred to the Company for consideration. 5. Motor Boats that are greater than 16 ft in length or that have a HP-to-foot ratio exceeding 7 to 1 are

not eligible. 6. Sailboats greater than 25 feet are not eligible. 7. Boats used for racing, rental, or chartering, or any other commercial purpose are unacceptable. 8. Unusual watercraft including, but not limited to, homemade boats, houseboats, or jet skis/

waverunners are unacceptable.




P. WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW A Water Back-Up Risk Rating report will be run on all accounts requesting increased limits of Water Back-Up and Sump Discharge or Overflow Coverage (OM 02 94). If the ranking returned indicates that the Insured's property is either very high or extreme with regards to the potential of flooding, the additional limits for Water Back-Up and Sump Discharge or Overflow coverage are not available. Coverage cannot be bound or written. If you have questions regarding the returned ranking, please contact the Company.

NOTE: The above guidelines with regards to coverage not bound apply only for the OM 02 94. NOTE: Coverage is not available for accounts where the water back-up ranking is rated Very High or

Extreme. NOTE: If coverage is not purchased at the time the policy is initially written or prior to the

renewal to be effective the renewal, there is a 30-day waiting period; that is, the effective date of the change will be 30 days from the date the change is received in the Company. Coverage may not be bound if the Named Insured has sustained a loss within prior three years; please contact Company.

Q. LOCATION PPC

ISO LOCATION PPC Service will be used to determine the applicable PPC and fire protection area.

R. DIRECT BILL

• Payment Plans

• Full Pay 100% at inception • Two Pay 50% at inception, 50% in 6 months • Quarterly Pay 25% at inception, 25% every 3 months • Ten Pay 10% at inception, 9 monthly installments • Eleven Pay 15% at inception, 10 monthly installments – FUTURE USE • EFT Full Pay 100% at inception – FUTURE USE • EFT Two Pay 50% at inception, 50% in 6 months – FUTURE USE • EFT Quarterly Pay 25% at inception, 25% every 3 months – FUTURE USE • EFT Ten Pay 10% at inception, 9 monthly installments – FUTURE USE • EFT Eleven Pay 15% at inception, 10 monthly installments – FUTURE USE • EFT Monthly 12 equal installments • Mortgage Bill 100% at inception

• Invoices are generated 15 to 21 days prior to due date. • EFT monthly withdrawals are on the effective day date of the policy. • Nonpayment cancellations are generated 8 days after the due date. • Additional premium is applied to future installments. • Return premium is applied to current amount due/future installments.




R. DIRECT BILL (Cont'd.)

• Fees • Installment Fee $ 5.00 The installment fee is waived on the initial/down payment

installment on new business. The installment fee is waived if the full policy premium is paid. Installment fees are not applicable to EFT payment plans.

• Late Fee $15.00 • NSF Fee $25.00 • Third Party provider of on-line and phone in payment services. There is a $ 4.95 per

transaction fee up to $5,000. (This is a direct charge from our Third Party provider charged to all customers who use this service.)

• Reinstatement/Rewrite:

CALL YOUR UNDERWRITER:

• For policies with three (3) legal notices issued during the policy term, reinstatement or rewrite will not be authorized.

• For cancelled policies with three (3) or more legal notices during the policy term, only your underwriter has the authority to grant reinstatement/rewrite.

• If a policy has been cancelled less than five (5) days, we may reinstate with a “no loss” letter and payment of the remaining annual premium, only your underwriter has the authority to grant reinstatement /rewrite.

• If a policy has been cancelled more than five (5) days, we will not reinstate.

S. OPTIONAL FARM INLAND MARINE ENDORSEMENTS

IM-850 Farm Machinery Scheduled Coverage IM-851 Farm Machinery Blanket Coverage IM-860 Scheduled Livestock Coverage IM-860-5 Optional Livestock Perils Coverage IM-861 Livestock Coverage The policy may be endorsed to provide optional farm inland marine coverages with prior underwriting approval required. The following guidelines should be used when adding these endorsements: 1. Farming must be incidental not the principal business or occupation of the Insured. 2. There should be no more than 100 acres farmed by the Insured as permitted by the incidental farm

liability endorsements. 3. The exposures insured should be located on the insured premises only. 4. Farm machinery should not be valued more than $25,000. 5. Livestock coverages should not total more than $25,000.








Superseded Schedule Items

Please note that all items on the following pages are items, which have been replaced by a newer version. The newest

version is located with the appropriate schedule on previous pages. These items are in date order with most recent first.

Creation Date: Schedule Schedule Item Name Replacement

Creation Date

Attached Document(s)

01/21/2012 Form Recreational Motor Vehicle Liability 03/06/2012 CP-164 (07-10) Recreational

Motor Vehicle Liability

Endorsement.pdf

(Superceded)

CP-164 Recreational Motor

Vehicle Liability - NH.pdf

(Superceded)

11/30/2011 Form Recreational Motor Vehicle Liability 01/21/2012 CP-164 (07-10) Recreational

Motor Vehicle Liability

Endorsement.pdf

11/30/2011 Form General Endorsement 03/06/2012 GU-6784 (02-84) General

Endorsement 03-06-04.pdf

(Superceded)

11/30/2011 Form Recreational Vehicles/Snowmobiles

(Physical Damage)01/21/2012 HO-77 (03-90) Recreational

Vehicles Snowmobiles

(Point).pdf (Superceded)

11/30/2011 Form Mobilehome Lienholder's Single

Interest01/21/2012 MH 00 27 (09-04) Mobile

Home Lienholder's Single

Interest (Point).pdf

(Superceded)

11/30/2011 Form Amendatory Endorsement - HMS 01/21/2012 OM 01 02 (01-12)

Amendatory Endorsement -

HMS (ME,NH).pdf








(Superceded)

11/30/2011 Form Other Members of Your Household 01/21/2012 OM 04 58 (05-06) Other

Members of Your Household

(eff.5-15-06 --

UHP,HP,SHO).pdf

(Superceded)

11/30/2011 Form Watercraft Liability 01/21/2012 OM 24 75 (10-01)

Watercraft.pdf (Superceded)

11/30/2011 Form Volunteer Wronful Acts Coverage 01/21/2012 OM 24 80 (06-09) Volunteer

Wrongful Acts Coverage

(Multistate) chg'd. 05-20-

09.pdf (Superceded)

11/30/2011 Form Inland Marine Terms 01/23/2012 IM-100 (06-84) Agreement -

chg'd 05-16-05 (CL see CM

00 01 - PL still uses -

Point).pdf (Superceded)

11/30/2011 Form Limited Theft coverage 03/06/2012 IM-458-1 (01-87) Limited

Theft Coverage (CSC) chg'd

06-13-05.pdf (Superceded)

11/30/2011 Form Named Peril Coverage - Musical

Instruments03/06/2012 IM-664-10 (12-89) Named

Peril Coverage for Musical

Instrum… (Point).pdf

(Superceded)

11/30/2011 Form Schedule Property Coverage -

Named Peril03/06/2012 IM-902 (02-85) Scheduled

Property Coverage Named

Peril (PL still uses - CL see

IM 7500 and GU-6784 -

Point).pdf (Superceded)








11/30/2011 Form Portable Tools Coverage - Named

Peril03/06/2012 PTF-1 (12-89) Portable Tools

and Equipment Coverage -

Named Peril (PL still uses -

CL see IM 7003 and GU-

6784 - Point).pdf

11/30/2011 Form Exotic Animal Exclusion 02/06/2012 IL UO 27 (01-12) Exotic

Animals Exclusion

(BPCPPFOFUMHOPUMTNC

).pdf (Superceded)

01/10/2012 Form Consumer Disclosure 01/21/2012 Consumer Disclosure

Letter.pdf

11/30/2011 Supporting

Document

Underwriting Guidelines-Personal

Lines Rate Filings03/06/2012 HMS NH - Guidelines - 2012-

01.pdf (Superceded)

The Homeowner Specialist

New Hampshire Underwriting Guidelines

42 Industrial Park Road Saco, Maine 04072 Phone: 800-346-0026 Fax: 207-284-9286



INDEX PAGE DESCRIPTION NO.

Agents Binding Guide ........................................................................................................................................................... 1‐3 Binding Authority .................................................................................................................................................................... 4 Coastal Territories ................................................................................................................................................................... 5 Direct Bill .......................................................................................................................................................................... 10‐11 e‐Quip'd® Submissions ............................................................................................................................................................ 6 HO 00 04 ................................................................................................................................................................................. 8 Inspections .............................................................................................................................................................................. 6 Insurance Scoring .................................................................................................................................................................... 6 Location PPC.......................................................................................................................................................................... 10 Photographs ............................................................................................................................................................................ 6 Prohibited Risks ....................................................................................................................................................................... 7 Recreational Motor Vehicles ................................................................................................................................................... 9 Replacement Cost ................................................................................................................................................................... 8 Residential Cost Estimating Form ........................................................................................................................................... 6 Risk Selection Philosophy ........................................................................................................................................................ 4 Swimming Pools ...................................................................................................................................................................... 8 Trampolines ............................................................................................................................................................................ 8 Water Back‐up and Sump Discharge or Overflow ................................................................................................................ 10 Watercraft ............................................................................................................................................................................... 9





SUBJECT HOME Policy Forms HO 00 03, HO 00 05, HO 00 06, and HO 00 04 Maximum Binding Authority for Agents (Refer to Company for Higher Limits)

HO 00 03 and HO 00 05 – Coverage A – Dwelling $600,000 HO 00 04 – Coverage C – Personal Property $150,000 HO 00 06 – Coverage C – Personal Property $200,000 HO 00 06 – Coverage A – Dwelling $250,000

Minimum Value HO 00 03 and HO 00 05 – Coverage A – Dwelling $125,000 HO 00 04 – Coverage C – Personal Property $15,000 HO 00 06 – Coverage C – Personal Property $15,000

Occupancy Owner occupied 1 or 2 family dwelling used for primary residential purposes.

Vacant/Unoccupied Property

Ineligible

Seasonal/Secondary Property

Ineligible

Protection Class • PC 10 prohibited • PC 9 requires prior underwriting approval • PC 9 with wood burning stove is prohibited

Insurance Score • An insurance score must be ordered on each prospective insured and 2nd named insured (if applicable) with every new business application.

• The policy will be rated using the better of the two scores if more than one score is ordered. If the agents uses e-Quip’d®, the system will automatically apply the best score.

Insured to Value • 100% of the replacement cost of the dwelling • If not insured at 100% of replacement cost HO 04 81, Actual

Cash Value Loss Settlement, endorsement must be added • Replacement Cost Estimating Form must be completed on

e-Quip’d® Wood Burning Device • ISO rated protection class 1-8

• Certificate of inspection verifying proper installation required (must be professionally installed to manufacturer’s specifications with appropriate clearances)

• Must be UL Approved • Prohibited if the primary or only source of heat • Photo and Supplemental Application must be submitted

Losses • No more than one loss in the last three years • If there is a second loss that is over 3 years old, contact

Company for approval Prohibited Risks (See Manual for complete details)

• No insurance in the past 30 days (not applicable to newly acquired property or to HO 00 04 Applications)

• Vacant or Unoccupied Property • Secondary/Seasonal Property • Any applicant or resident of the household convicted of a

felony in the last five years • Prior coverage declined or canceled by prior company • Any vicious or aggressive animals, exotic, or non-

domesticated animals • Any dog with a bite history or classified as dangerous or

vicious (Cont'd.)





SUBJECT HOME Prohibited Risks (See Manual for complete details)

(Cont'd.) • Any dog on the prohibited list – see Manual for full list • Underground or exterior oil tanks • Unrepaired damage • Boarding or rooming houses, dormitory, fraternity or sorority

houses, or condominiums rented to others • Property located on a non-paved road or in an isolated

location • Hazardous liability exposures on premises • Located on an island only accessible by ferry, must be

accessible by bridge, or in a known sinkhole, landslide, cave-in, or defined brush area

Ineligible Construction Types

• Log Homes • Mobile Homes • House Trailers • Double-wide Manufactured Homes • Houseboats • Homes constructed with EIFS (Exterior Insulation and Finish

Systems) • Homes constructed with Chinese drywall • Earth sheltered homes • Dwelling converted from original use is prohibited

Property Conditions • Foundation must be enclosed • Must show evidence of on-going maintenance to property • Fences, gates, doors, and windows must be in good working

condition • Yard must be free of debris and potential liability hazards

including, but not limited to: Refrigerators, inoperative autos, flammable materials, piles of refuse, tall grass, tree branches over structures, skateboard or bicycle ramps, and unfenced hot tubs or swimming pools.

• Property must be free from hazardous liability exposures (such as stairs without handrails, walkways in poor repair, broken pavement, poor lighting, debris in yard, etc.).

Electrical Service • Must be at least 100 amp electrical service • Knob & tube and aluminum wiring are prohibited • Wiring must comply with current building codes

Plumbing • Must be updated in the last 40 years • No galvanized plumbing

Heating & AC • Heating or cooling system must be less than 30 years old • Primary heating system must be thermostatically controlled • No solid fuel burning devices in PC 9 • Wood burning device used as a primary source of heat is

prohibited • Gas, kerosene, or other types of space heaters are prohibited

Roof Conditions • Asphalt shingle roof must be less than 20 years old (requirement does not apply to slate or standing seam roof)

• Roof must be in good condition (i.e., no curling shingles/tiles, no missing shingles/tiles, free from debris, etc.)

• No flat or rolled asphalt roofing





SUBJECT HOME Public Figures • Do not bind any risk involving "well-known" personalities, such

as professional entertainers, professional athletes, broadcasters, telecasters, newspaper reporters, editors, publishers, mayors, federal or state legislators, or judges.

• Applications for persons holding other elected public office are to be referred to the Company to determine acceptability.

Swimming Pool • In-ground swimming pools must be completely surrounded by a fence (minimum of four feet in height) with a self-closing, self-latching gate.

• Above ground pools must meet all building codes, including height requirements, and: (1) must be completely surrounded by a fence with a self-

closing, self-latching gate; (2) have a removable ladder; or (3) have a self-closing, self-latching gate that controls access

from a deck. • Doors in buildings offering direct access to a pool must have

self-closing, self-latching mechanisms. • Jump boards and low diving boards are acceptable as long as

they have been professionally installed, meet code requirements, and are no more than 1 meter (39.37 inches) above the water surface.

Trampoline • All trampolines are required to have a manufacturer’s safety net around it.

• The trampoline must also be enclosed by a locked fence that is at least four feet in height.

• Owner of a trampoline must be in compliance with all ordinances or codes pertaining to trampolines.

Firearms • Firearms and ammunition must be stored in a locked container or must be equipped with trigger locks and chained to a storage rack

• Resident children and visitors to the premises should not have access to the firearms or the means to gain access

Oil and gas wells Ineligible Dwellings listed on the State or National Historic Home Registry

Ineligible

Brush and Wildfire Risks Ineligible

Requires prior Underwriting Approval

• Any risk within 1,000 feet of a brush zone, or within 2,500 feet (1/2) mile of a forested area or preserve

• Any property in fire Protection Class 9 in a known brush or wildfire area

• Any property in areas where either an evacuation order has been issued by the authorities as a result of encroaching wildfire, or the company has issued a moratorium

• Home with a wood roof • Any isolated property, or property not easily accessible by fire

apparatus due to rough terrain




A. RISK SELECTION PHILOSOPHY The property being insured must be in excellent condition, and pride of ownership should be evident. The agent should be proud to say they are the agent of record for the risk. To assist with knowing if the risk qualifies for Casco Indemnity’s Homeowner program, the property should be seen by the agency prior to coverage being bound.

B. BINDING AUTHORITY Agents are granted binding authority as defined and restricted in the Underwriting Guide. If a paper application is submitted, a fully completed, signed current edition date application must be received by the Company within 14 days of the requested effective date for applications submitted to the Company. All required supplemental applications, forms, and photos must also be provided within 14 days of the requested effective date. Binders are not acceptable. Policy change requests received more than 30 days after the requested effective date are subject to underwriting approval. Agent binding authority is limited during severe weather, earthquakes, and other catastrophes as follows: Severe Weather – No coverage may be bound on new business or by endorsement to in-force policies if the National Weather Service has issued a severe weather watch or warning for a specific area for the duration of the watch/warning. This includes, but is not limited to, watches/warnings for rain, wind, flood, snow, ice, tornado, or named storm. Earthquake – Earthquake coverage may not be bound on new business or by endorsement to in-force policies in a "restricted area" for 30 days following an earthquake tremor of 4.0 or more on the Richter Scale. This "restricted area" will include all properties within 200 miles from the epicenter of such earthquake. A notice will be issued if the moratorium is extended beyond ten days due to continued aftershocks. Other Catastrophes – In the event of a natural or man-made catastrophe, no coverage may be bound on new business or by endorsement to in-force policies for the duration of the event. In addition, no coverage may be bound in an area currently evacuated or on evacuation notice. This includes, but is not limited to, such events as fire, high wind, hail, flooding, hurricane, or named storm. Exceptions – The circumstances of any particular event may require amendment of these guidelines and we reserve the right to suspend your binding authority as we deem appropriate. We will notify you when this occurs.




C. COASTAL TERRITORIES Properties located in the following Zip Codes and located within 1 mile of the coast, must have met the requirements for acceptable loss mitigation on all exterior openings. In addition, a mandatory hurricane deductible of $2,500 will be applied to the policy. Zip Code City Zip Code City Zip Code City

03801 Portsmouth 03840 Greenland 03857 Newmarket 03802 Portsmouth 03842 Hampton 03862 North Hampton 03820 Dover 03843 Hampton 03870 Rye 03821 Dover 03844 Hampton Falls 03871 Rye Beach 03822 Dover 03854 New Castle 03874 Seabrook 03824 Dunham 03856 Newfields 03885 Stratham

Named Storm Deductible

When the National Hurricane Center has issued a warning for New Hampshire concerning a named storm, we will settle losses according to the provisions of the named storm deductible arising from the named storm for a period starting at the declaration of the warning and ending 24 hours after the National Hurricane Center lifts the warning or downgrades the storm to a tropical storm, tropical depression, or severe thunderstorms.




D. e-Quip'd® SUBMISSIONS e-Quip'd® is Ohio Mutual's electronic Quoting underwriting issuance printing delivery underwriting and policy issuance system that was designed to: • Quote the policy; or • Upload the policy, with Company issuance of documents. A fully completed, signed current edition date application must be on file in the Agent's office. All required forms, reports, and photos must also be on file in the Agent's office and provided within 14 days of the requested effective date. Binders are not acceptable. Periodic audits may be performed by Field and/or Underwriting personnel to verify that the signed application and all required forms, reports, and photos are on file in the agency office.

E. THE RESIDENTIAL COST ESTIMATING FORM This must be completed on all homes. The Company’s Replacement Cost Estimator on e-Quip’d® must be completed for each risk.

F. PHOTOGRAPHS Photographs of the front and rear of all dwellings and outbuildings, whether insured or not, should be submitted with the Homeowners application except those requesting HO 00 04 Coverage. NOTE: Underwriting reserves the right to request photographs of any risk. NOTE: Risk should be seen by agency prior to coverage being bound. Photos must be kept in

file.

G. INSPECTIONS We inspect most risks to determine acceptability. We share with the Agent and the Insured any conditions which are a threat to life or property. We reserve the right to order inspections and other underwriting reports on any individual risk and will do periodically. We expect compliance with any reasonable recommendations that we develop.

H. INSURANCE SCORING

We evaluate Insurance Score at new business and again on every third renewal of the policy:

• If there is only one insured, that score is used. • If there are two insureds and both are actual scores, the higher of the two is used. • If there are two insureds and one score is No Hit (V) or Unscored (W), and the other is an actual

score, the actual score is used.




I. PROHIBITED RISKS Coverage for the following risks should not be bound, nor should an application be submitted (Applications received for such risks will be declined on the basis that coverage has not been bound.): 1. Property on which there has been no insurance in force for the last 30 days (not applicable to newly

acquired property or to HO 00 04 Applications). 2. Vacant property or unoccupied property. 3. Secondary/Seasonal Property. 4. Protection Class 10 property. 5. Protection Class 9 property with a wood burning device (any Protection Class 9 requires prior

underwriting approval). 6. A dwelling constructed for more than a two-family occupancy. 7. Certain breeds of dogs (e.g., Rottweilers, wolf breeds, Dobermans, Akitas, Chows, Presa Canarios,

pit bulls, American Staffordshire Terriers, Staffordshire Bull Terriers, Bull Terrier AKC breeds, AKC’s and UKC's American Pit Bull Terriers). This would include, but is not limited to, any breed of dog mixed with any of the aforementioned breeds of dogs, any dog with a history of biting, and any dog classified as dangerous or vicious.

8. Vicious or aggressive animals, exotic, or non-domesticated animals (e.g., bears, cougars, lions, and large snakes).

9. Property that contains outdated or improperly maintained electrical or plumbing systems including less than 100 amp electrical service or any knob and tube wiring or aluminum wiring.

10. Plumbing over 40 years old and/or any galvanized steel plumbing. Or anything other than copper pipes for any lines under pressure. Pressurized PVC is allowable.

11. Any applicant or resident of the household convicted of a felony in the last five years. 12. Log Homes. 13. Mobile Homes including Mobile Manufactured Double-Wide Homes and House Trailers. 14. Houseboats. 15. Homes constructed with EIFS (Exterior Insulation and Finish Systems). 16. Homes constructed with Chinese drywall. 17. Underground or exterior oil tanks. 18. Dwelling converted from original use. 19. Oil and gas wells. 20. Unrepaired Damage. 21. Failure to meet local building codes. 22. Boarding or rooming houses, dormitory, fraternity or sorority houses, or condominiums rented to

others. 23. Flat or rolled asphalt roofs. 24. Property located on a non-paved road or in an isolated location. 25. Hazardous liability exposures (such as stairs without handrails, walkways in poor repair, broken

pavement, poor lighting, debris in yard, etc). 26. Located on an island (without land transportation access bridge) or in a known sinkhole, landslide

cave-in, or defined Brush area. 27. Absence of a thermostatically controlled central heating system as the primary source of heat. 28. Wood burning stove as primary or only source of heat. 29. Wood burning stove that does not have Certificates of Inspection verifying proper installation or not

UL approved. 30. Use of gas, kerosene, or other types of space heaters are prohibited. 31. Public figures. Including but not limited to “well-known” personalities, such as professional enter-

tainers, professional athletes, broadcasters, telecasters, newspaper reporters, editors, publishers, mayors, federal or state legislators, or judges. Contact the Company for eligibility.




J. SWIMMING POOLS AND TRAMPOLINES Any private swimming pool, or the property on which the pool is located, shall be enclosed to prevent uncontrolled access and must meet the following requirements:

• In-ground swimming pools must be completely surrounded by a fence (minimum of four feet in height and in excellent condition) with a self-closing, self-latching gate.

• Above ground pools must meet all building codes, including height requirements, and: (1) must be completely surrounded by a fence with a self-closing, self-latching gate; (2) have a removable ladder; or (3) have a self-closing, self-latching gate that controls access from a deck.

• Doors in buildings offering direct access to a pool must have self-closing, self-latching mechanisms.

• Slides and diving boards are acceptable as long as they have been professionally installed and meet building code requirements.

Any trampoline on the property must meet the following requirements:

• All trampolines are required to have a manufacturer's safety net around it. • Trampoline must also be enclosed by a locked fence that is a least four feet in height and in

excellent condition. • Owner of the trampoline must be in compliance with all ordinances or codes pertaining to

trampolines. K. REPLACEMENT COST

The Homeowner rates in the Manual are discounted assuming the Insured has purchased insurance within 100% of Replacement Cost. If the home is not insured to 100% of Replacement Cost, the HO 04 81, Actual Cash Value Loss Settlement, endorsement must be attached.

L. HO 00 04 If the dwelling in which the personal property is located does not qualify for Homeowner coverage as does an owner-occupied dwelling, the personal property does not qualify for HO 00 04 Coverage.




M. RECREATIONAL MOTOR VEHICLES 1. The Recreational Vehicle Endorsement is available to Insureds whose household driving record does

not exceed four violations (two of which can be at-fault accidents). 2. Liability Only or Physical Damage Only coverage is available. 3. Drive Other coverage is not available. 4. UMPD (Uninsured Motorists Property Damage) is not available.

Prohibited Risks

1. Motorcycles, Motorbikes, Mopeds, Minibikes, Dirt bikes, or any ATV vehicle designed or able to be

licensed for road use. 2. Any risks that are principally garaged outside of New Hampshire or operators who are residing

outside New Hampshire. 3. Vehicles used in races or speed contests are ineligible. 4. Any three-wheeled ATV. 5. Any four-wheeled ATV over 700cc’s; any Racer/Competitor Class ATV’s including, but not limited to,

the following: Honda - TRX Yamaha - Banshee Kawasaki - Lakota - Raptor - Mojave - Warrior Polaris - Scrambler - Wolverine Suzuki - Quad Racer - YFZ450

6. Physical Damage for any recreational vehicle over ten years old unless Application/Change Form is accompanied by photos and an Inspection Report, which indicates the vehicle is in excellent condition.

7. Any recreational vehicle used for business purposes. 8. Any recreational vehicles leased or rented to others. 9. Golf Carts being used on public streets or highways are not eligible for coverage. 10. Go-carts, if homemade or kit. 11. Any snowmobile over 750cc's, any Racer/Competitor Class snowmobile including, but not limited to

Phaser or V-Max. 12. We will allow only one rewriting of a Recreational Vehicle Endorsement for the same unit. A lay-a-

way period is automatically taken into consideration in our rates. N. WATERCRAFT

1. The watercraft endorsements are available to Insureds whose household driving record does not

exceed four violations (two of which could be at-fault accidents). 2. The Casco Homeowner policy must be providing the personal liability for the Insured to provide

watercraft liability. 3. Coverage must be written for the coverage period of the policy, that is, to the expiration date. 4. Boats over 10 years old should be referred to the Company for consideration. 5. Motor Boats that are greater than 16 ft in length or that have a HP-to-foot ratio exceeding 7 to 1 are

not eligible. 6. Sailboats greater than 25 feet are not eligible. 7. Boats used for racing, rental, or chartering, or any other commercial purpose are unacceptable. 8. Unusual watercraft including, but not limited to, homemade boats, houseboats, or jet skis/

waverunners are unacceptable.




O. WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW A Water Back-Up Risk Rating report will be run on all accounts requesting increased limits of Water Back-Up and Sump Discharge or Overflow Coverage (OM 02 94). If the ranking returned indicates that the Insured's property is either very high or extreme with regards to the potential of flooding, the additional limits for Water Back-Up and Sump Discharge or Overflow coverage are not available. Coverage cannot be bound or written. If you have questions regarding the returned ranking, please contact the Company.

NOTE: The above guidelines with regards to coverage not bound apply only for the OM 02 94. NOTE: Coverage is not available for accounts where the water back-up ranking is rated Very High or

Extreme. NOTE: If coverage is not purchased at the time the policy is initially written or prior to the

renewal to be effective the renewal, there is a 30-day waiting period; that is, the effective date of the change will be 30 days from the date the change is received in the Company. Coverage may not be bound if the Named Insured has sustained a loss within prior three years; please contact Company.

P. LOCATION PPC

ISO LOCATION PPC Service will be used to determine the applicable PPC and fire protection area.

Q. DIRECT BILL

• Payment Plans

• Full Pay 100% at inception • Two Pay 50% at inception, 50% in 6 months • Quarterly Pay 25% at inception, 25% every 3 months • Ten Pay 10% at inception, 9 monthly installments • Eleven Pay 15% at inception, 10 monthly installments – FUTURE USE • EFT Full Pay 100% at inception – FUTURE USE • EFT Two Pay 50% at inception, 50% in 6 months – FUTURE USE • EFT Quarterly Pay 25% at inception, 25% every 3 months – FUTURE USE • EFT Ten Pay 10% at inception, 9 monthly installments – FUTURE USE • EFT Eleven Pay 15% at inception, 10 monthly installments – FUTURE USE • EFT Monthly 12 equal installments • Mortgage Bill 100% at inception

• Invoices are generated 15 to 21 days prior to due date. • EFT monthly withdrawals are on the effective day date of the policy. • Nonpayment cancellations are generated 8 days after the due date. • Additional premium is applied to future installments. • Return premium is applied to current amount due/future installments.




Q. DIRECT BILL (Cont'd.)

• Fees • Installment Fee $ 5.00 The installment fee is waived if the full policy premium is

paid. Installment fees are not applicable to EFT payment plans.

• Late Fee $15.00 • NSF Fee $25.00 • Third Party provider of on-line and phone in payment services. There is a $ 4.95 per

transaction fee up to $5,000. (This is a direct charge from our Third Party provider charged to all customers who use this service.)

• Reinstatement/Rewrite:

CALL YOUR UNDERWRITER:

• For policies with three (3) legal notices issued during the policy term, reinstatement or rewrite will not be authorized.

• For cancelled policies with three (3) or more legal notices during the policy term, only your underwriter has the authority to grant reinstatement/rewrite.

• If a policy has been cancelled less than five (5) days, we may reinstate with a “no loss” letter and payment of the remaining annual premium, only your underwriter has the authority to grant reinstatement /rewrite.

• If a policy has been cancelled more than five (5) days, we will not reinstate.

CP-164 (07-10)

Page 1 of 3 CP-164 (07-10).DOC


RECREATIONAL MOTOR VEHICLE LIABILITY ENDORSEMENT

Personal Liability or Farm Personal Liability is extended to apply to damages for bodily injury or property damage for which an insured becomes legally responsible and Medical Payments to Others because of an accident arising out of: A. the ownership, operation, maintenance, use,

loading, or unloading of a recreational motor vehicle;

B. the entrustment by an insured of a recreational motor vehicle to any person; or

C. vicarious liability, whether or not statutorily imposed, for the actions of a minor child using a recreational motor vehicle.

Damages include pre-judgment interest awarded against the insured. We will settle or defend, as we consider appropriate, any claim or suit asking for these damages. In addition to our limit, we will pay all defense costs we incur. Our duty to settle or defend ends when our limit for this coverage has been exhausted. We have no duty to defend any suit or settle any claim for bodily injury or property damage not covered under this endorsement.

DEFINITIONS As used in this endorsement, the following definitions apply: A. You and your mean the named insured shown

in the Declarations, and the spouse if a resident of the same household.



D. Business includes trade, profession, or occupation whether full or part time.

E. Family member means a person related to you by blood, marriage, or adoption who is a resident of your household. This includes a ward or foster child.


G. Occupying means in, getting in, on, out, or off. H. Property Damage means physical injury to,

destruction of, or loss of use of tangible property.

I. Recreational motor vehicle means a motorized land vehicle, a trailer, or attached equipment operated by you or any family member, designed for recreational use off public roads including, but not limited to, snowmobiles, tri-carts, all-terrain vehicles, similar motorized vehicles, and motorized kick scooters with an engine size under 30 cc's and does not exceed 25 miles per hour. Recreational motor vehicle does not include any two-wheeled motorized vehicle including, but not limited to, motorcycles, motorbikes, trail motorcycles, dirt bikes, mini-bikes, motor scooters, or mopeds. Recreational motor vehicle also does not include any vehicle subject to motor vehicle registration which is designed and equipped for use on public roads.

J. Terms means all provisions, limitations, exclusions, conditions, and definitions that apply to this policy.

K. Your recreational motor vehicle means any recreational motor vehicle you or any family member own on the date you or any family member become owner. This includes a recreational motor vehicle if leased by you or any family member: 1. under a written agreement; and 2. for a continuous period of at least six months.

When used in this endorsement, the definition of insured is replaced with the following: Insured means: A. you or any family member for the ownership,

maintenance, or use of any recreational motor vehicle;

B. any other person using your recreational motor vehicle with your permission provided that the actual operation or use is within the scope of such permission;

C. for your recreational motor vehicle, any person or organization but only with respect to legal responsibility for acts or omissions of a person for whom coverage is afforded under this endorsement; and

D. for any recreational motor vehicle you do not own, any person or organization but only with respect to legal responsibility for acts or omissions of you or any family member for whom coverage is afforded under this endorsement. This provision applies only if the person or organization does not own or hire the recreational motor vehicle.

CP-164 (07-10)

Page 2 of 3 CP-164 (07-10).DOC

SUPPLEMENTARY PAYMENTS In addition to our limit, we will pay on behalf of an insured: A. Interest accruing after a judgment is entered in

any suit we defend. Our duty to pay interest ends when we offer to pay that part of the judgment which does not exceed our limit for this coverage.

B. Reasonable expenses incurred at our request.

EXCLUSIONS The following additional exclusions apply: A. We do not provide Liability Coverage for any

insured: 1. for bodily injury to you or any family

member; 2. who intentionally causes bodily injury or

property damage; 3. for property damage to property owned or

being transported by an insured; 4. for property damage to property:

a. rented to; b. used by; or c. in the care of; that insured. This exclusion (A.4.) does not apply to property damage to a residence or private garage;

5. for bodily injury to an employee of that insured during the course of employment. This Exclusion (A.5.) does not apply to bodily injury to a domestic employee unless workers' compensation benefits are required or available for that domestic employee;

6. for that insured's liability arising out of the ownership or operation of a recreational motor vehicle while it is being used as a public or livery conveyance;

7. maintaining or using a recreational motor vehicle in any business (other than farming or ranching);

8. using a recreational motor vehicle without a reasonable belief that that insured is entitled to do so. This exclusion (A.8.) does not apply to a family member using your recreational motor vehicle which is owned by you;

9. for bodily injury or property damage for which that insured: a. is an insured under a nuclear energy

liability policy; or

b. would be an insured under a nuclear energy liability policy but for its termination upon exhaustion of its limit. (A nuclear energy liability policy is a policy issued by the Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada, or their successors.);

10. arising out of punitive or exemplary damage award; or

11. for which The United States of America or any of its agencies may be held liable arising from the operation of your recreational motor vehicle by that insured as an employee of the United States government under the Federal Tort Claims Act, including any amendments.

B. We do not provide Liability Coverage for the ownership, maintenance, or use of any recreational motor vehicle: 1. while rented or leased to any insured or

organization other than you; or 2. while operated in or while in practice or

preparation for any racing, speed, or pulling contest regardless of whether such contest is prearranged or organized.

LIMIT OF LIABILITY A. The limit shown in the Declarations for coverage

under Personal Liability or Farm Personal Liability is our maximum limit for all damages, including damages for death and damages for all derivative claims including, but not limited to, claims for loss of services, loss of consortium, and claims for medical bills, incurred by any other person, arising out of bodily injury or property damage in any one accident.

B. With regard to A. above, this is the most we will pay regardless of the number of: 1. insureds; 2. claims made; 3. recreational motor vehicles shown in the

Declarations; or 4. recreational motor vehicles involved in the

accident. C. No one will be entitled to receive duplicate

payments for the same elements of loss under this coverage and Medical Payments to Others or Uninsured Motorists and Underinsured Motorists for Recreational Motor Vehicles, if applicable, of this policy.

CP-164 (07-10)

Page 3 of 3 CP-164 (07-10).DOC

OTHER INSURANCE If there is other applicable liability insurance we will pay only our share of the loss. Our share is the proportion that our limit of liability bears to the total of all applicable limits. However, any insurance we provide for a recreational motor vehicle you do not own, including any vehicle while used as a temporary substitute for your covered recreational motor vehicle, shall be excess over any other collectible insurance. Any insurance we provide for use of a your recreational motor vehicle by any person other than you or a family member will be excess over any other collectible insurance, self-insurance, or bond stated to be primary, contributing, excess or contingent. If this policy and any other recreational motor vehicle insurance policy issued to you or any family member by us, or a member Company of the Ohio Mutual Insurance Group, apply to the same accident, the maximum limit of our liability under all policies shall not exceed the highest applicable limit of liability under any one policy. DUTIES AFTER AN ACCIDENT OR LOSS We have no duty to provide coverage under this policy unless there has been full compliance with the following duties: A. We must be notified promptly of how, when, and


B. A person seeking any coverage must: 1. cooperate with us in the investigation,

settlement, or defense of any claim or suit. 2. promptly send us copies of any notices or


3. submit, as often as we reasonably require: a. to physical exams by physicians we

select. We will pay for these exams. b. to examination under oath and subscribe

the same. 4. authorize us to obtain:


5. submit a proof of loss when required by us. 6. provide notice of the loss to all other

applicable insurance carriers.


GU-6784 (02-84)

All other terms of this Policy apply. Page 1 of 1

GU-6784 (02-84).DOC

ENDORSEMENT

This Endorsement, effective , forms a part of Policy No.

issued to

by

HO-77 (03-90)

Page 1 of 1 HO-77 (03-90).DOC

RECREATIONAL VEHICLES/SNOWMOBILES

Section I - Property Coverages

(The information required below may be shown in the Declarations.) In consideration of the premium charged, the following items are insured: Year Description Serial No. Limit of Liability

Accessories - $ Deductible - $ Perils We cover risks of direct physical loss or damage except as noted under Exclusions. Exclusions As additional Exclusions, we do not cover loss: 1. to any vehicle while used as a public or livery conveyance; 2. caused by wear and tear, freezing, mechanical or electrical breakdown or failure; 3. while the covered vehicle is being used in or preparation for any race or speed contest including, but not limited

to, hill climbing, hare and hound chase, corner pulling, and stunting activity; 4. to accessories unless a specific amount of insurance is shown and then to loss not in excess of the amount

shown; 5. to tires unless the loss is coincident with and from the same cause as other loss covered by this endorsement; 6. by conversion or embezzlement; 7. while the covered vehicle is used in illicit or prohibited trade; 8. while the covered vehicle is used to carry persons or property for a fee, or while rented to others; 9. caused by birds, vermin, rodents, insects, or domestic animals; or 10. resulting from obsolescence or depreciation. All other terms of this policy apply.


Page 1 of 2 MH 00 27 (09-04).DOC


MOBILE HOME LIENHOLDER'S SINGLE INTEREST 1. Agreement

For an additional premium, "we" also cover only the interest of the lienholder or his assignee named in the Declarations in the mobile home covered under Coverage A against: a. direct loss to the mobile home while in transit

caused by collision of the mobile home with another object or with the vehicle to which it is attached or by upset of the mobile home.

b. loss from conversion, embezzlement or secretion of the mobile home by a retail purchaser or borrower in lawful possession, under a valid bailment lease, conditional sale, purchase agreement, mortgage or other encumbrance.

2. Recovery Conditions The following conditions shall apply prior to any recovery by the lienholder; that a. there are no payments more than thirty days past

due under any contract of encumbrance covering the mobile home as of the effective date of this coverage;

b. the lienholder shall not make any loss settlement, except at his own cost, without "our" written consent;

c. in case of a loss by the Perils Insured Against and at "our" request, the lienholder shall use all reasonable means to save, preserve, and recover the mobile home. "We" agree to reimburse the lienholder for all reasonable expenses incurred at "our" request;

d. the purchaser has defaulted in payment; e. the lienholder has repossessed the mobile home; f. the purchaser or borrower has abandoned the

mobile home as a result of a loss covered under this policy; and

g. for any loss for conversion, embezzlement or secretion the lienholder has made every reasonable effort to locate the purchaser or borrower to collect overdue payments and, if that fails, to repossess the mobile home.

3. Lienholder's Duties After Loss When the lienholder becomes aware of any loss to the mobile home that might impair his interest, the lienholder shall notify "us" as soon as practicable. The lienholder shall protect the mobile home from further loss. "We" will not pay any loss caused by the failure of the lienholder to protect the mobile home.

4. Date of Loss The date "we" receive written notice that the lienholder has complied with all the Recovery Conditions, shall be the date of loss for the purpose of this coverage.

5. Limits of Liability - Settlement Options "Our" liability shall not exceed the smallest of the following amounts: a. under Agreement 1.a. and 1.b. the cost of repair or

replacement of the mobile home with other of like kind or quality;

b. under Agreement 1.a. and 1.b. the amount of any impairment of the lienholder's interest represented by an unpaid balance not more than sixty days past due, less insurance, interest, finance and other carrying charges, computed pro rata from the date of loss. These carrying charges shall be deemed to accrue in equal installments on the payment dates fixed by the contract and shall not include any penalty or other charges added to the unpaid balance after the inception date of the contract. The lienholder's interest shall be considered impaired when the value of the mobile home because of loss is reduced to an amount less than the lienholder's interest;

c. under Agreement 1.a. and 1.b., the actual cash value as of the date of loss; or

d. under Agreement 1.b., if the mobile home is located within sixty days from the date of loss, at "our" option, the cost of transporting the mobile home to the lienholder's place of business nearest to the point of recovery or to the insured's address, without payment for damage to the mobile home, its parts or equipment.

Settlement Option Under Agreement 1.a. and 1.b., "we" may pay for the loss in money or repair or replace the mobile home; or return any property with payment for damage at any time before the damage is repaired or loss is paid; or take all or part of the mobile home at the agreed or appraised value, but "we" will not accept any abandonment of the property.

6. Payment of Claim The payment of any loss under one of the above coverages shall reduce the amount of recovery under any other coverage by the amount so paid.

7. Examination of Records "We" shall be permitted at all reasonable times to examine the books, records, and files of the lienholders for the purpose of determining any facts relative to this insurance.


Page 2 of 2 MH 00 27 (09-04).DOC

8. Cancellation The premium charged for this coverage is a minimum annual premium. If cancellation is requested by interested parties, the premium shall be fully earned. If "we" cancel, the earned premiums shall be computed on a pro rata basis.


Page 1 of 2 OM 01 02 (01-12).DOC


AMENDATORY ENDORSEMENT - HMS

DEFINITIONS The following Definition is added: "Recreational motor vehicle" means a motorized land vehicle, a trailer, or attached equipment, designed for recreational use off public roads including, but not limited to, snowmobiles, tri-carts, all-terrain vehicles, similar motorized vehicles, and motorized kick scooters with an engine size under 30 cc's and does not exceed 25 miles per hour. "Recreational motor vehicle" does not include any two-wheeled motorized vehicles including, but not limited to, motorcycles, motorbikes, trail motorcycles, dirt bikes, mini-bikes, motor scooters, or mopeds except those not subject to motor vehicle registration laws that are used on an insured location as defined in Definitions B.6.a., b., d., e., or h. "Recreational motor vehicle" also does not include any vehicle subject to motor vehicle registration which is designed and equipped for use on public roads.

SECTION I - PROPERTY COVERAGES C. Coverage C - Personal Property

Under 4. Property Not Covered item c.(2)(a) is deleted and replaced by the following:

(a) Used solely to service a "residence" or a motorized lawn tractor or snow blower used primarily to service the "insured's" residence; or

E. Additional Coverages Under 6. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery and Counterfeit Money item a. has been increased from $500 to $1,000.

SECTION I - CONDITIONS D. Loss Settlement

Applicable to Forms HO 00 02, HO 00 03, and HO 00 05. Item 2.d. is deleted and replaced with the following:

d. We will pay no more than the actual cash value of the damage until actual repair or replacement is complete. Once actual repair or replacement is complete, we will settle the loss as noted in 2.a. and b. above. If the repair or replacement of the damage is not completed within 180 days after the date of loss, we pay no more than the actual cash value of the damage.

However, if the cost to repair or replace the damage is both: (1) Less than 5% of the amount of insurance

in this policy on the building; and (2) Less than $2,500; we will settle the loss as noted in 2.a. and b. above whether or not actual repair or replacement is complete.

SECTION II - EXCLUSIONS A. Motor Vehicle Liability

1. Item 2.b. is deleted and replaced with the following: b. Used solely to service a residence or a

motorized lawn tractor or snow blower used primarily to service the "insured's" residence.

B. "Watercraft Liability" Paragraph 2.c.(2) is deleted and replaced with the following:

(2) One or more outboard engines or motors with: (a) 50 total horsepower or less; (b) More than 50 horsepower if the

outboard engine or motor is not owned by an “insured”;

(c) More than 50 horsepower if the outboard engine or motor is owned by an “insured” who acquired it during the policy period; or

(d) More than 50 horsepower if the outboard engine or motor is owned by an “insured” who acquired it before the policy period, but only if: (i) You declare them at policy

inception; or (ii) Your intent to insure them is

reported to us in writing within 45 days after you acquire them.

The above coverage in (c) and (d) above apply for the policy period.


Page 2 of 2 OM 01 02 (01-12).DOC

E. Coverage E - Personal Liability And Cover-age F - Medical Payments To Others The following is added: 9. Punitive Damage

"Bodily injury" or "property damage" arising out of any claim for: a. Punitive or exemplary damages, fines,

costs, interest, or penalties; or b. Attorney fees as a result of punitive or

exemplary damages, fines, costs, interest, or penalties.

SECTION II - INCIDENTAL COVERAGE The following Incidental Coverage is added and is subject to all the terms of Coverage E - Personal Liability and/or Coverage F - Medical Payments to Others. Except for Claims Expenses and First Aid Expense, this incidental coverage does not increase the limits stated for the Personal Liability and Medical Payments to Others Coverages. A. "Recreational Motor Vehicle" - We pay for "bodily

injury" or "property damage":

1. Provided the "occurrence" takes place on an "insured location" as defined in Definitions B.6.a., b., d., e., or h. and is a result of the ownership, maintenance, use, loading, or unloading of a "recreational motor vehicle"; or

2. Which results from an Insured's" use of a "recreational motor vehicle" not owned by an "Insured".

SECTIONS I AND II - CONDITIONS The following conditions are added: H. Our Right to Recover Earned Premium. If we

make payment under this policy for any claim prior to the effective date of cancellation and there is earned premium due, we shall have the right to deduct any earned premiums due from monies paid in settlement of a claim.

I. Inspection. We may, but are not required to, inspect your property and operations. Our inspection or resulting advice or report does not warrant that your property or operations are safe or healthful or comply with laws, rules, or regulations.

J. WARRANTY STATEMENT

This policy is issued based on the warranties by you that the statements in the application are true and correct and that nothing has been concealed or misstated. All information stated in the application is material to a determination of the risk for which this policy is issued. The application is incorporated in this policy as if fully set forth herein. Your signature on the application warrants that the statements in the application are true and correct and that nothing has been concealed or misstated. Concealment or misstatement of information in the application voids the insurance coverage under this policy from its beginning as if the insurance of coverage had never been bound and as if the policy had never been issued.


POLICY NUMBER: HOMEOWNERS OM 04 58 (05-06)


Page 1 of 1 OM 04 58 (05-06).DOC

OTHER MEMBERS OF YOUR HOUSEHOLD

SCHEDULE* Name Of Person Covered By This Endorsement

*Entries may be left blank if shown elsewhere in this policy for this coverage.

AGREEMENT 1. We insure the person named in the Schedule

above who lives with you and is a member of your household and who is not an "insured", guest, "residence employee", tenant, roomer or boarder. We also insure a person under the age of 21 who lives with and is in the legal cus-tody of the person named in the Schedule. Such persons are insured for the coverages described in Section I – Property Coverage be-low and Section II – Liability described in the policy form.

2. It is agreed that this endorsement is issued in reliance on information you provided concern-ing the residency of the person described in the Schedule.

3. You agree to notify us in writing within 30 days of a change in the:

a. Residency; or b. Status, as a household member;

of the person described in the Schedule. 4. You will be solely responsible for the payment

of any premium pertaining to this endorsement. 5. It is further agreed that you are the representa-

tive of the person described in the Schedule, and will act in all matters pertaining to the pro-visions of this endorsement.

SECTION I – PROPERTY COVERAGE Under Coverage C, the first paragraph is deleted and replaced by the following: We cover personal property owned or used by an "insured" or a person described in A.1. above while it is anywhere in the world. After a loss and at your request, we will cover personal property owned by:

1. Others, not including a person described in A.1. above, while the property is on the part of the "residence premises" occupied by an "in-sured"; or

2. A guest or a "residence employee", while the property is in any residence occupied by an "insured".

This coverage does not increase the Coverage C limit of liability.

SECTION I - EXCLUSION We do not insure for loss caused directly or indi-rectly by the following. Such loss is excluded re-gardless of any other cause or event contributing concurrently or in any sequence to the loss.

1. Intentional Loss Intentional loss means any loss arising out of any act an "insured" or other person named in the schedule commits or conspires to commit with the intent to cause a loss. In the event of such loss, no "insured" or other person named in the schedule is entitled to coverage, even "insureds" or other person named in the schedule who did not commit or conspire to commit the act causing the loss.

GENERAL CONDITION All other provisions under Section I and Section II of this policy that apply to you also apply to the persons described in A.1. above, except Cover-ages A and B and Fair Rental Value under Cover-age D.

OM 24 75 (10-01)

Page 1 of 3 OM 24 75 (10-01).DOC


WATERCRAFT

(The information required below may be shown in the Declarations.) WATERCRAFT WITH ONE OR MORE OUTBOARD ENGINES OR MOTORS OF MORE THAN 50 TOTAL HORSEPOWER; OR OTHER WATERCRAFT WITH INBOARD OR INBOARD-OUTDRIVE ENGINES OR MOTORS Description of Watercraft, and Description of Outboard Engine or Motor Length

Horsepower of Engine or Motor

SAILING VESSEL 26 FEET OR MORE OVERALL LENGTH, WITH OR WITHOUT AUXILIARY POWER

Description of Sailing Vessel Length Horsepower of

Engine or Motor

SECTION II - DEFINITIONS The following definitions are added for the coverage provided by this endorsement:

"Covered property" means the watercraft, "motors," and trailers as described in the Declarations; "substitute watercraft;" and property covered under Newly Acquired Property. "Family member" means a person related to you by blood, marriage, or adoption who is a resident of your household. This includes a ward or foster child and persons under the age of 21 in your care or the care of any "family member." "Motor" means an outboard motor (gas or electric) including start up equipment and controls, electric harnesses, fuel tanks, and other pressure control tanks. "Non-owned watercraft" means:

a. A watercraft not over 26 feet in overall length; b. Its "motor;" or c. Its “watercraft trailer”

used by you, your relatives if residents of your household, or persons under the age of 21 in your care or the care of your resident relatives. "Occupying" means in, getting in, on, out, or off, including waterskiing, kneeboarding, or tubing from a covered watercraft.

"Pollutants" means any solid, liquid, gaseous, or thermal irritant or contamination, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. Waste includes materials to be recycled, reconditioned, or reclaimed. "Substitute watercraft" means a watercraft, "motor," or trailer not owned by you and used by an "insured" as a temporary replacement for a covered watercraft, "motor," or trailer that has been lost or destroyed or is undergoing maintenance, service, or repairs. “Watercraft Trailer” means a trailer designed specifically for the transportation of a watercraft.

SECTION II - ADDITIONAL DEFINITION For Coverage E, "insured" means: a. You or any "family member" for the ownership,

maintenance, or use of any watercraft or “watercraft trailer”; or

b. Any person using your "covered property" with your permission provided the actual operation or use is within the scope of such permission;

c. For your "covered property," any person or organization but only with respect to legal responsibility for acts or omissions of a person for whom coverage is afforded; or

OM 24 75 (10-01)

Page 2 of 3 OM 24 75 (10-01).DOC

d. For any watercraft, "motor," or trailer, other than your "covered property," any other person or organization but only with respect to legal responsibility for acts or omissions of you or any "family member" for whom coverage is afforded.

This provision d. applies only if the person or organization does not own or hire the watercraft, "motor," or “watercraft trailer”.

SECTION II - ADDITIONAL COVERAGE Named Insured Medical Payments If Named Insured Medical Payments is shown in the Declarations, Coverage F also applies to you or any "family member," a. while "occupying," or b. when struck by any watercraft or “watercraft trailer”. SECTION II - LIABILITY COVERAGES A. Coverage E - Personal Liability and B. Coverage F - Medical Payments To Others is amended to include "watercraft liability" involving a watercraft described in the Declarations. SECTION II - EXCLUSIONS With respect to the watercraft described in the Declarations, Exclusion B. "Watercraft Liability" is deleted and replaced by the following: B. "Watercraft Liability"

1. Coverages E and F do not apply to any "watercraft liability" if, at the time of an "occurrence" the involved watercraft is being:

a. Operated in, or practicing for, any prearranged or organized race, speed contest, or other competition. This exclusion does not apply to a sailing vessel or a predicted log cruise;

b. Rented to others; c. Used to carry persons or cargo for a charge; or d. Used for any "business" purpose. e. In illegal transportation or trade; f. Being transported by a land vehicle or “watercraft

trailer”; or g. Used for any other than private pleasure purposes. 2. Coverages E and F do not apply to "bodily injury" or

"property damage" arising out of any person using covered property without a reasonable belief that that person is entitled to do so.

3. Coverages E and F do not apply to "bodily injury" or "property damage" arising out of an act or omission intended or expected to cause "bodily injury" or "property damage." This exclusion applies even if the "bodily injury" or "property damage" is of a different kind or degree, or is sustained by a different person or property than intended or expected.

4. Coverages E and F do not apply to "bodily injury" or "property damage" which results directly or indirectly from war. (This includes undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by military force or personnel, or destruction, seizure, or use of property for a military purpose. Discharge of a nuclear weapon is deemed a warlike act even if accidental.)

5. Coverages E and F do not apply to "bodily injury" or "property damage" that results from the discharge, dispersal, release, or escape of "pollutants" into or upon land, water, or air. We do cover the discharge, dispersal, release, or escape of "pollutants" if it is sudden and accidental. We do not pay for the recovery of the watercraft or the equipment causing the escape of pollutants.

6. Coverages E and F do not apply to "bodily injury" to any person or "property damage" to any person's property while they are being towed by "covered property" or a "non-owned watercraft" in or on a parasail, hang glider, or a similar device designed for flight.

7. Coverages E and F do not apply to "bodily injury" or "property damage" that arises out of the rendering or the failure to render a professional service.

8. Coverage E and F do not apply to "bodily injury" or "property damage" caused by the willful, malicious, or intentional act of a minor for which an "insured" is statutorily liable.

9. Coverages E and F do not apply to "bodily injury" or "property damage" arising out of a nuclear reaction, radiation, or radioactive contamination or any consequence of any of these.

10. Coverages E and F do not apply for liability assumed under any contract or agreement, except a written contract relating to a dock rental or boat storage indemnity agreement.

11. Coverage E does not apply to "property damage" to property owned by an "insured."

12. Coverage E does not apply to property occupied or used by an "insured" or rented to or in the care, custody, or control of an "insured." However, we will cover "property damage" to a launching ramp, dock, or boat storage house rented solely to an "insured."

13. Coverages E and F do not apply to a person if benefits are provided or required to be provided by an "insured" under the U.S. Longshoreman's and Harbor Workers Compensation Act, workers compensation, non-occupational disability, or occupational disease law.

14. Coverage E does not apply to fines.

OM 24 75 (10-01)

Page 3 of 3 OM 24 75 (10-01).DOC

15. Coverages E and F do not apply to "bodily injury" to an "employee" of an "insured" if it occurs in the course of employment or consequential injuries to a spouse, child, parent, brother, or sister of such injured "employee." This exclusion applies where:

a. The "insured" is liable either as an employer or in any other capacity; or

b. There is an obligation to fully or partially reimburse a third person for damages arising out of injuries described above.

16. Coverages E does not apply to "bodily injury" to you or any "family member."

17. Coverages E and F do not apply to punitive or exemplary damages or related defense costs.

18. Coverage F does not apply to "bodily injury" to a person who is in or on "covered property" or a "non-owned watercraft" as a trespasser.

SECTION II – CONDITIONS A. Limit of Liability In addition to Section II – Conditions, Paragraph A. Limit of Liability, the following is added. The Limit of Liability applies regardless of the number of: 1. Persons insured under this form; 2. Parties who sustain injury or damage; 3. Claims made or suits brought; 4. Boats or premiums shown in the Declarations; or 5. Boats involved in the accident.



Page 1 of 1 OM 24 80 (06-09).DOC


VOLUNTEER WRONGFUL ACTS COVERAGE For an additional premium, we will pay on behalf of an "insured" amounts an "insured" becomes legally responsible to pay because of civil claims made against an "insured" for a wrongful act. A wrongful act, in respect to this coverage, means actual or alleged error, misleading statement, act or omission, neglect or breach of duty committed by an "insured" during the policy period in the "insured's" capacity as a volunteer. We do not cover volunteer activity of an "insured" involving any "insured's" business or an organization from which an "insured" receives compensation or for which any "insured" provides professional services. Limit of Liability Our limit of liability for this coverage is $50,000. This is the most we will pay for all liability arising out of a single wrongful act regardless of the number of "insureds" or policy terms. Two or more claims arising out of a single wrongful act or a series of related wrongful acts shall be deemed a single claim. Our duty to settle or defend ends when our limit of liability for this coverage has been exhausted by payment of a judgment or settlement. The limit of liability for this coverage is not in addition to the limit of liability otherwise provided for Personal Liability. Our payment of loss under this coverage is excess over any other collectible insurance. Conditions applicable to Section II - Liability Cover-ages also apply to this coverage. Exclusions We do not cover liability: 1. Based on or attributable to "bodily injury",

"property damage", or "personal injury". 2. For anything other than money damages. 3. Arising out of any fraudulent, criminal, or mali-

cious act; acts or omissions not in good faith; or which involved intentional misconduct or a know-ing violation of law; or matters deemed uninsur-able by law.

4. For fines or penalties imposed by law. 5. For libel or slander.

6. For failure to procure or maintain insurance. 7. Arising out of "insured's" dishonesty where it is

established by judgment or other final adjudica-tion that an actual dishonest purpose or intent was involved.

8. For an accounting of profits made from the purchase or sale of securities under any federal or state laws, or the failure to register securities as required.

9. Arising out of or involving discrimination in violation of any statute or law.

10. Arising out of "insured's" capacity or activity as an elected or appointed public official.

11. Arising out of any nuclear reaction, radiation or radioactive contamination, or any consequence of these.

12. For the return of any remuneration of payments given to the "insured" with or without the approval of the entity for which the volunteer work was performed.

13. Arising out of sexual molestation, sexual harass-ment, corporal punishment, or physical or mental abuse, or the transmission of a communicable disease by an "insured".

14. Arising out of use, sale, manufacture, delivery, transfer, or possession by any person of a controlled substance as defined by federal food and drug law other than the legitimate use of prescription drugs as prescribed by a licensed physician.

15. Arising out of actual, alleged, or threatened dis-charge, dispersal, seepage, migration, release, or escape of pollutants at any time, or the ingestion, inhalation, or absorption of lead or lead compounds or any loss, cost, or expense to test, monitor, clean up, remove, contain, treat, detoxify, or neutralize or in any way respond to or assess the effects of pollutants or lead. Pollutants means any solid, liquid, gaseous or thermal irritant, or contaminant including smoke, vapor, soot, fumes, acid, alkalis, chemicals, and waste (including material to be recycled or reclaimed).


IM-100 (06-84)


Please read this entire policy carefully. It is a legal contract.

AGREEMENT

In return for your payment of the required premium, we provide the Inland Marine coverage described in this policy during the policy period subject to the: 1. Inland Marine General Terms. 2. Inland Marine coverage terms. 3. policy terms that relate to cancellation, changes made to the policy, examination of books and records,

inspections and surveys, and assignment or transfer of rights or duties.

INLAND MARINE GENERAL TERMS DEFINITIONS

1. The words you and your mean the person,

persons or organization named in the declarations.

2. The words we, us and our mean the company providing this insurance.

3. Insured means you. With respect to covered prop-erty that is not used for business, the word insured also means: a. your spouse; b. your relatives if residents of your household; c. persons under the age of 21 in your care or the

care of your resident relatives; or d. your legal representative if you die while

insured by this policy. (This person is an insured only for the covered property.)

4. Business means a trade, profession or occupation whether full or part time. This includes: a. the rental of property to others; and b. farming.

5. Described premises means that part of the build-ing and grounds which you occupy at the location shown.

6. Terms means the conditions, definitions, exclu-sions, limitations and provisions used in this policy.

PERILS EXCLUDED We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as or after the excluded peril. We do not pay for a loss that results from:

1. wear and tear to covered property.

2. gradual deterioration of covered property.

3. a fault or weakness that is intrinsic to the property which causes it to break, spoil, become defective or destroy itself.

4. insects or vermin damage to covered property.

5. delay, loss of market, loss of use, or business interruption.

6. obsolescence or depreciation of covered property. 7. war. This means:

a. declared war, undeclared war, civil war, insur-rection, rebellion or revolution;

b. a warlike act by a military force or by military personnel;

c. the destruction, seizure or use of the property for a military purpose; or

d. the discharge of a nuclear weapon even if it is accidental.

8. civil authority. This means: a. seizure or destruction under quarantine or

customs regulations; b. confiscation or destruction by order of a

government or public authority; or c. risks of contraband or illegal transportation or

trade.

9. nuclear hazard. This means nuclear reaction, nuclear radiation or radioactive contamination: a. whether controlled or uncontrolled; or b. caused by, contributed to or aggravated by a

peril covered by this policy. A loss caused by nuclear hazard will not be considered to be a loss caused by fire, explosion or smoke. If fire is covered by this policy, we do cover the loss caused by a fire that results from the nuclear hazard.

10. other perils that are not covered. These are listed for each coverage.

We do not pay for such excluded loss even if the following contribute to, aggravate or cause the loss: 1. the act or decision of a person, group, organization

or governmental body. This includes the failure to act or decide.

2. a fault, defect or error, negligent or not, in: a. planning, zoning, surveying, siting, grading,

compacting, land use, or development of property.

IM-100 (06-84)


b. the design, blueprint, specification, workman-ship, construction, renovation, remodeling or repair of property. This includes the materials needed to construct, remodel or repair the property.

c. maintenance of property.

These apply whether or not the property is covered by this policy.

3. a condition of the weather.

4. the collapse of a building or structure. WHAT MUST BE DONE IN CASE OF LOSS

1. Protect the Property. The insured must take all

reasonable steps to protect or recover the covered property after a loss has occurred.

2. Notice. The insured must promptly notify us or our agent, in writing if requested.

3. Notice To Police. The insured must promptly notify the police if the loss results from a violation of the law.

4. Proof of Loss. The insured must send us a state-ment of loss, under oath if requested, within 90 days after the loss occurs. The following information must be included: a. the date, time, place and details of the loss. b. other insurance that may cover the loss. c. your interest and the interest of all others in the

property involved in the loss. This includes all mortgages and liens.

d. changes in the title to the covered property during the policy period.

e. detailed estimates for the repair or replacement of the covered property.

f. an inventory of lost, damaged and all remaining covered property. This must show in detail the quantity, description, cost and actual cash value of the property and the amount of the loss. Copies of all bills, receipts and related documents that substantiate the inventory must be attached.

5. Additional Duties. As often as we may reasonably request, an insured must: a. submit to an examination under oath. b. assist us in obtaining the attendance of

employees for examination under oath. c. exhibit damaged and undamaged property. d. produce all records that relate to value, loss

and cost, and permit copies and abstracts to be made from them.

6. Cooperation. The insured must cooperate with us in performing all acts that are required by this Inland Marine coverage.

7. Volunteer Payments. The insured may not voluntarily make payments, assume obligations, pay or offer rewards or incur other expenses, except at the insured's own expense.

8. Abandonment. The insured may not abandon the property to us without our written consent.

HOW MUCH WE PAY

1. Actual Cash Value. Actual cash value includes a

deduction for depreciation, however caused.

2. Valuation. Valuation is based on the actual cash value of the property at the time of loss.

3. The Amount We Pay. The smallest of the amounts shown below is the most that we will pay for a loss: a. the amount determined under "Valuation." b. the cost to repair, replace or rebuild the prop-

erty with material of like kind and quality. c. the amount of your interest in the property. d. the coverage amount shown.

This amount will be adjusted by the deductible amount, coinsurance penalty or other limitation which may apply.

4. Loss To Pairs Or Sets. If there is a loss to an item that is part of a pair or set, at your option we will pay the full actual cash value up to the coverage amount shown for the pair or set. You will give us the remainder of the pair or set. If you do not choose this option, we will pay only for a reasonable part of the actual cash value of the pair or set.

5. Loss To Parts. If there is a loss to a part of an item that consists of several parts, we will pay only for the loss to that part. A loss to a part is not considered to be a loss to the whole item.

6. Insurance Under More Than One Policy. If there is other collectible insurance that applies to a covered loss, or would have applied in the absence of this Inland Marine coverage, we will pay for the loss only after the full amount from the other insurance has been paid.

7. Insurance Under More Than One Coverage. If more than one coverage applies to the same loss, we will pay no more than the actual amount of the loss.

8. Losses Paid By Others. We will not pay for that part of a loss that has been paid by someone else.

9. Restoring the Coverage Amount. The payment of a claim will not reduce the coverage amount. If we pay a loss for items that are separately listed and the coverage amount that applies to these items is reduced at your request, we will return the unearned premium for these items to you.

IM-100 (06-84)


LOSS PAYMENT

1. Our Options. We may:

a. pay the loss in money; or b. repair, replace or rebuild the property. We

must give the insured notice of our intent to do so within 30 days after we have received a satisfactory proof of loss.

We may take all or a part of the damaged property at the agreed or appraised value. Property that we have paid for or replaced will become our property.

2. Your Property. We will adjust all losses with you. Payment will be made to you unless a loss payee is named with respect to this Inland Marine coverage.

3. Property of Others. Loss to property of others may be adjusted with you. We reserve the right to adjust the loss with the owner. Our payment to the owner will satisfy our obligation to you for loss to this property. At our option, without cost to you, we may choose to defend you from suits which result from a covered loss to the property of others.

4. When We Pay. We will pay for a loss within 30 days after a satisfactory proof of loss is received and the amount of the loss has been agreed to in writing.

CLAIMS AGAINST OTHERS

1. Subrogation. If we pay for a loss, we may require

the insured to assign to us the right of recovery against others. We will not pay for a loss if the insured impairs this right to recover. The insured's right to recover from others may be waived in writing before a loss occurs.

2. Loan Receipts. When we believe that a loss can be recovered from others: a. we may make an advance payment to you in

the form of a loan. b. at our expense, we will be allowed to bring suit

in the insured's name against those who are responsible for the loss.

c. the loan will be repaid from the amount recovered.

3. Recoveries. The insured must notify us or we must notify the insured promptly if either receives a recovery for a loss which we have paid. The costs that are incurred by either party in making the recovery are to be reimbursed first. We are entitled to the surplus up to the amount that we have paid for the loss. The insured may then keep any excess.

DISAGREEMENTS

1. Appraisal. If you and we do not agree on the

amount of the loss, the actual cash value of the property or the cost to repair or replace the property, either party may demand that these amounts be determined by appraisal.

If either party makes a written demand for appraisal, each will select a competent, independ-ent appraiser and notify the other of the appraiser's identity within 20 days after the receipt of the written demand. The two appraisers will select a competent, impartial umpire. If the two appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court in the state where the appraisal is pending to select an umpire.

The appraisers will determine: a. the amount of the loss; b. the actual cash value of the property; and c. the cost to repair or replace the property.

Each amount will be stated separately.

If the appraisers submit a written report of an agreement to us, the agreement will establish these amounts. If the appraisers fail to agree within a reasonable time, they will submit only their differences to the umpire. A written agreement by any two of these three will establish the amounts stated above.

Each appraiser will be paid by the party selecting that appraiser. The compensation of the umpire and other expenses of the appraisal will be shared equally by you and us.

2. Suit Against Us. No suit to recover for a loss may be brought against us unless: a. all the terms of this Inland Marine coverage

have been complied with; and b. the suit is commenced within one year after the

loss.

OTHER POLICY CONDITIONS 1. Conformity With Statutes. The terms of this

Inland Marine coverage in conflict with statutes of the state where this policy is issued are changed to conform to those statutes.

2. Continuous Policies. If this policy is issued on a continuous basis (with no specific date of expira-tion), we may substitute or we may add at each anniversary date the forms and endorsements then authorized for use with this Inland Marine coverage.

IM-100 (06-84)


3. Liberalization. If a revision of a form or endorse-ment which would broaden coverage without an additional premium is adopted during the policy period, or within 6 months before the Inland Marine coverage is effective, the broadened coverage will apply.

4. Misrepresentation, Concealment or Fraud. This Inland Marine coverage is void if before or after a loss: a. the insured has concealed or misrepresented:

(1) a material fact or circumstance that relates to this insurance or the subject thereof; or

(2) an insured's interest herein.

b. there has been fraud or false swearing by an insured with regard to a matter that relates to this insurance or the subject thereof.

5. No Benefit To Bailee. This Inland Marine cover-age will not benefit those who are paid to assume custody of the covered property.

6. Reporting Terms Only. This Inland Marine cover-age may be subject to reporting terms. If it is cancelled, you must report the required amounts as of the cancellation date.

IM-458-1 (01-87)

Copyright, AAIS, 1987 Page 1 of 1 IM-458-1 (01-87).DOC

LIMITED THEFT COVERAGE Coverage is extended as follows: PERILS COVERED

We cover direct loss to property caused by theft. PERILS EXCLUDED

We do not pay for a loss if one or more of the following excluded perils apply to the loss, regardless of other causes or events that contribute to or aggravate the loss, whether such causes or events act to produce the loss before, at the same time as, or after the excluded peril.

We do not pay for loss which results from: 1. theft from an unattended vehicle except when it is

securely locked and its windows are fully closed.

We do cover loss caused by theft only when there is visible evidence that entry into the vehicle is forced. This exclusion does not apply to property in the custody of a common or contract carrier.

2. theft from a tool box located in the open bed of a truck. We do cover loss caused by theft only when there is visible evidence that the tool box has been broken into or forcibly removed from the truck bed. The tool box must be permanently attached to the truck bed and securely locked.

3. theft of covered property left overnight in a building or structure. We do cover loss caused by theft only when there is visible evidence that entry into the building or structure is forced.


If a coverage is shown on the line below, this endorsement applies only to that coverage.


IM-664-10 (12-89)

Page 1 of 1 IM-664-10 (12-89).DOC



NAMED PERIL COVERAGE FOR MUSICAL INSTRUMENTS Coverage for musical instruments is limited to the following perils. We cover direct physical loss to covered musical instruments caused by: 1. fire. 2. lightning. 3. windstorm. 4. flood. This means the overflow of a river, stream or body of water. 5. theft. We do not cover loss caused by theft from an unattended vehicle except while the property is in transit by a

common or contract carrier. 6. an accident to a transporting vehicle.

IM-902 (02-85)




SCHEDULED PROPERTY COVERAGE NAMED PERIL






$

COINSURANCE

You must maintain a minimum coverage amount for each described item. This minimum coverage amount is the full actual cash value of the described item. If the coverage amount at the time of loss is less than the minimum coverage amount, we will pay only a part of a loss. Our part of the loss will be determined by dividing the coverage amount by the minimum coverage amount. This percent will be applied to the final adjusted loss to determine the amount that we will pay.

PROPERTY COVERED


We cover direct physical loss to covered property caused by: 1. fire; 2. lightning; 3. windstorm; 4. hail; 5. collision, derailment, upset or overturn of a transporting

land vehicle; 6. collapse of a bridge or culvert; or 7. stranding, sinking, burning or colliding of vessels. This

includes: a. your share of the loss when property is thrown

overboard to insure the safety of a vessel carrying covered property when that vessel is endangered by these perils; and

b. your share of the cost to save property when endangered by these perils.

PERILS EXCLUDED


1. a dishonest or illegal act, alone or in collusion with another, by: a. you; b. others who have an interest in the property; c. others to whom you entrust the property; or d. the employees or agents of a., b., or c., whether or

not they are at work. We do cover loss caused by dishonest acts by carriers or other bailees for hire.

IM-902 (02-85)







breakage if it is caused by a covered peril. 7. a process to repair, adjust, service or maintain the




10. collision with covered property by vehicles owned or operated by you.

11. the coupling or uncoupling of a railroad car.


Coverage applies only while the property is in the United States, Canada or Puerto Rico. This includes property that is in transit, except to or from Alaska, Hawaii or Puerto Rico.

IL UO 27 (01-12)

Page 1 of 1 IL UO 27 (01-12).DOC


EXOTIC ANIMALS EXCLUSION This policy does not cover “bodily injury”, “property damage”, or “medical payments” caused by ownership, boarding, or control of “exotic animal(s)”. For the purpose of this exclusion endorsement, the following definitions apply: “Exotic animal(s)” means any animal that meets one or more of the following criteria, whether or not the animal was bred or reared in captivity: 1. Requires a permit from a governmental agency to legally possess, except licensing of domesticated dogs,

domesticated house cats, and white tail deer. 2. Is illegal to possess. 3. Is a member of any of the following orders and families, and any of their hybrids with domestic species. The

animals listed in parentheses are merely examples and are not to be construed as an exhaustive list, or to limit the generality of each group of animals, unless otherwise specified: a. Primates and prosimians (monkeys, chimpanzees, gorillas, baboons, mandrills, orangutans); b. Felidae (lions, tigers, bobcats, lynx, cougars, leopards, jaguars, ocelots, panthers, but not domesticated

house cats); c. Canidae (wolves, coyotes, foxes, jackals, but not domesticated dogs); d. Ursidae (all bears); e. Reptilia (that are venomous snakes, that are constricting snakes, and all carnivorous reptiles); f. Crocodilia (alligators, crocodiles); g. Proboscidae (elephants); h. Hyanenidae (hyenas); i. Artiodatyla (hippopotamuses, giraffes, camels, elk, but not alpacas, llamas, buffalo, cattle, goats, sheep,

or domesticated swine, including hybrids of these excepted animals); j. Procyonidae (raccoons, coatis); k. Marsupialia (kangaroos, opossums) l. Perissodactylea (rhinoceroses, tapirs, but not horses, donkeys, or mules); m. Edentara (anteaters, sloths, armadillos); n. Viverridae (mongooses, civets, and genets); o. Mustelidae (mink, ermine, weasels, sables, stoats, otters, badgers, wolverines, skunks); p. Characiformes (piranha); q. Cypriniformes (invasive carp species, sometimes referred to in common language as bighead carp or

Asian carp); r. Struthionidae (ostriches, emus); s. Rheiformes (Rhea); or t. Amphibians (only those that are toxic to human contact).

“Bodily injury” means bodily injury, sickness, disease, or mental anguish sustained by a person, including death resulting from any of these at any time. “Property damage” means:

a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or

b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the event that caused it.

“Medical payments” means “medical expenses” for "bodily injury". “Medical expenses” means first aid, necessary medical, surgical, x-ray, and dental services, including prosthetic devices, and necessary ambulance, hospital, professional nursing, and funeral services.