heartland mutual insurance...

HHEARTLAND MMUTUALINSURANCE COMPANY

Property Rates and

Underwriting Manual

EFFECTIVE JANUARY 1, 2017

Contents COMPANY DIRECTORY 1

WRITING TERRITORY MAP 2

HOMEOWNERS Home Security Discounts 3

Auto/Home Discounts 4 Longevity Discount 4

Claim Free Discounts 5 Surcharge Program 6

Premium Payment Options 7 General Underwriting 7

Unacceptable Risks 7 Miscellaneous Endorsements 8

Homeowners Equipment Breakdown 9 Scheduled Personal Property End 10

Homeowners HG 2 Broad Form 12 Modular/Manufactured 13

Standard Homeowners HG 3 14 Preferred Homeowners HG 3 16

Builder's Risk 18 Renters Insurance HG 4 19

MOBILE HOMES Mobile Homeowners HG 2 22

Mobile Home Owner Occupied 23 Mobile Home Tenant Occupied 24

TOWN D

PERSONAL LIABILITY 27

FARMATE Home Security Discounts 29

Auto/Home Discounts 30 Longevity Discount 30

Claim Free Discounts 31 Surcharge Program 32

Premium Payment Options 33 General Underwriting 33

Unacceptable Risks 33 Miscellaneous Endorsements 34

Farm Dwellings 37 Farm Household Personal Property 38

Custom Dwellings 39

WELLINGS Dwelling 25

Personal Property 26

FARMATE (Continued) Commander Dwellings 41

Builders Risk 43 Pole Construction Homes 44

Farm Buildings 45 Grain Bin Replacement Coverage 48

Farm Equipment Breakdown 49 Unscheduled Farm Personal Property 50

Scheduled Farm Personal Property 51 Scheduled Farm All-Terrain Vehicle 51

Additional Coverages 52 Country Home Program 53

Country Home Unscheduled Farm P/P 54

FARM-GUARD LIABILITY Combined Single Limit 55

SEASONAL DWELLINGS 61

RENTED DWELLINGS 62

OWNERS, LANDLORDS AND TENANTS LIABILTY 64

GRANGES/MEETING HALLS/CHURCHES 65

EARTHQUAKE 66

MINE SUBSIDENCE 67

H M EARTLAND UTUALINSURANCE COMPANY

Company Directory

Home Office (618) 233-2006

Fax (618) 233-4837

Toll-Free and 24-Hour Claims Reporting (800) 528-3162

Christopher M. Feldt, PFMM – [email protected]

Chuck Ahrens – CLAIMS [email protected]

Dale Schuetz – INSPECTOR/[email protected]

Christine Clark – SENIOR UNDERW [email protected]

Liz Hood – [email protected]

Sarah Wilderman – UNDERW [email protected]

Melissa Blakeslee – INSURANCE SERVICE [email protected]

Jenna Hunter – ADMINISTRATIVE [email protected]

Dylan Sill – INSPECTOR/ADJUSTER Eastern Region [email protected]

Brett Miller – INSPECTOR/ADJUSTER Northern Region [email protected]

Glenn Cole – INSPECTOR/ADJUSTER Western Region [email protected]

1112 MASCOUTAH AVENUE BELLEVILLE, IL 62220

10/16 www.heartlandmutualins.net 1

mailto:[email protected]











http://www.heartlandmutualins.net/

http://www.heartlandmutualins.net/

3

HOMEOWNERS HOME SECURITY DISCOUNTS

A 10% PROPERTY PREMIUM DISCOUNT WILL BE APPLIED TO THE DWELLING AND RELATED COVERAGES IF ALL OF THE FOLLOWING REQUIREMENTS ARE MET:

1. Telephone line or radio transmitter central station connected security/fireprotection system with 24-hour monitoring.

2. Electronic smoke detectors connected to central station monitor.3. Electronic heat detectors connected to central station monitor.4. Motion detector(s) with interior/exterior alarm and connected to central station

monitor. (Optional due to animals.)5. Carbon monoxide detector.6. Door contacts with interior/exterior alarm and central station monitor.7. Fire extinguisher(s) (2 ½ pound minimum).8. Battery back-up for interior/exterior alarm and digital dialer.9. Certificate from the monitoring company identifying services provided.

10. Discount applied at renewal.


1. Burglar alarm connected to central station.2. Smoke detector/carbon monoxide detector.3. Fire extinguisher(s) (2 ½ pound minimum).4. Certificate from the monitoring company identifying services provided.5. Discount applied at renewal.


1. Permanently installed burglar alarm (not central station connected) with localsiren/horn.

2. Smoke detector/carbon monoxide detector.3. Fire extinguisher(s) (2½ pound minimum).4. Discount applied at renewal.

4

HOMEOWNERS AUTO/HOME DISCOUNTS

AUTO/HOME PACKAGE DISCOUNT APPLIES TO THE FOLLOWING POLICIES: • Homeowners (12% Dwelling and 10% PL premiums) • Renters Insurance with Personal Property contents value of $10,000 or more

(12% Property and 10% PL premiums) • Mobile HomeGuard with minimum value of $15,000 (12% Property and 10%

PL premiums)

GUIDELINES FOR AUTO/HOME PACKAGE DISCOUNT: 1. The named insured on the GMRC personal auto policy must be the named

insured or additional named insured on the FarMutual policy which covers the principle residence of the insured.

2. Current auto dec page must accompany application for discount. 3. Discount will be added or deleted only at renewal following the initial issuance

of the policy. 4. The Property 12% discount will not apply to any policy if a Loss Control

Report is issued or an endorsement that limits coverage is applicable the first year. Once the Loss Control Report is satisfactorily completed and the endorsement(s) that limits coverage is removed from the policy, the discount will be added at the next renewal.

AUTO/HOME DWELLING DISCOUNT APPLIES TO THE FOLLOWING POLICIES: • Homeowner Dwelling with replacement cost coverage (5% Dwelling premium)

GUIDELINES FOR AUTO/HOME DWELLING DISCOUNT: 1. The personal auto policy of the named insured must be written with a carrier

represented by the agency of record. 2. Current auto dec page must accompany application for discount. 3. Current auto dec page must be provided prior to each renewal. 4. Discount will be added or deleted only at renewal following the initial issuance

of the policy.

LONGEVITY DISCOUNTS

HOMEOWNERS LONGEVITY DISCOUNT APPLIES TO THE FOLLOWING FARMUTUAL POLICIES/PERCENTAGE OF DISCOUNT: • Standard Homeowners or Preferred Homeowners insured with Heartland

Mutual for three or more consecutive years (same policy #) - a longevity discount of 5% of total property premium

• Longevity Discount applied independently of Claims Free Longevity Discount

APPLICATION: • Applied at renewal following three consecutive, continuous policy years.

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CLAIM FREE DISCOUNTS (HOMEOWNERS)

NEW BUSINESS CLAIM FREE DISCOUNT APPLIES TO THE FOLLOWING FARMUTUAL POLICIES/PERCENTAGE OF DISCOUNT: • Standard Homeowners ($60,000+ Dwelling) or Preferred Homeowners - 6%

of total property premium • No paid property claims in last three years (Determined by CLUE report)

CLAIM FREE LONGEVITY DISCOUNT APPLIES TO THE FOLLOWING FARMUTUAL POLICIES/PERCENTAGE OF DISCOUNT: • Standard Homeowners ($60,000+ Dwelling) or Preferred Homeowners

insured with Heartland Mutual for three or more consecutive years (same policy #) - a claim free longevity discount of 12% of total property premium.

• No paid property claims in last three policy years. (Note: See Applied/Removal)

APPLIED/REMOVAL: 1. Applied at renewal following three claim free policy years: if total property

claims paid (RCC Claims tab) divided by the total premium payment (RCC Billing tab) is equal to or less than 80%.

2. Removed at renewal following a paid property claim within the previous policy year, except when only one claim is paid during the policy period and the amount paid is less than 110% of the policy deductible.

3. The exception applies to only the first claim within three consecutive policy periods. The discount will be removed following the second paid claim of any amount within three consecutive policy periods.

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SURCHARGE PROGRAM

Our experience has shown that an exceptionally large proportion of our total claim payments are made to or on behalf of a very small percentage of our policyholders.

A few policyholders experience one or more claims each year. The intent of the surcharge is to request that policyholders with above average claim frequency contribute additional premium, consequently stabilizing the base premium level for those who contribute to good loss experience.

The surcharge is an additional charge imposed on the existing rate structure of the policy.

AFTER CLOSELY REVIEWING EACH POLICYHOLDER EXPERIENCING EXCESSIVE CLAIMS, ONE OF THE FOLLOWING ACTIONS WILL BE TAKEN:

1. Monitor annually 2. Premium surcharge (30% of property premium with a minimum of $50.00)

Only paid claims will be considered valid claims in determining if a surcharge should apply. Reported but not paid claims will not be considered.

The surcharge will be imposed on the first renewal date following the determination that a surcharge will apply.

The policyholder will return to claims-free eligibility on the renewal date following a three-year claims free period.

Additional claims could result in non-renewal of the entire policy.

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PREMIUM PAYMENT OPTIONS

The following premium payment options are available for direct-bill policies:

1. Quarterly premium payment plan; 2. Semi-annual premium payment plan; or 3. Annual premium payment plan.

An installment fee (currently $5.00 per installment) applies to the quarterly and semi-annual options; there is no service charge or installment fee applied to the annual payment option.

Payment may be made by cash, check, money order, MasterCard, Visa or ACH (Automated Clearing House). Credit card or ACH payments may be made by phone.

We understand that your insured may occasionally wish to make payment in your office. Any agency accepting premium on behalf of Heartland Mutual with the intent to mail the premium to us is asked to immediately notify us by phone in order to reduce the incidence of unnecessary late notices/fees. Premium received in your office may also be submitted online via agent web inquiry.

Mortgagee-bill policies are billed annually.

GENERAL UNDERWRITING

• Comprehensive Loss Underwriting Exchange (CLUE) reports will be obtained for all applicants.

• Insurance scores will be obtained for all applicants. • Exterior underwriting inspection(s) will be performed on all properties. • Minimum Policy Property Premium is $60.00.

UNACCEPTABLE RISKS

• Wood burner used as primary heat source • 60 AMP electrical service panel • Vicious dogs on premises (including but not limited to Pit Bulls, Doberman

Pinschers, Rottweilers, or any others excluded by GMRC) • Property canceled or nonrenewed by prior insurer for any reason • Vacant property of any kind • Property currently undergoing renovation and is not occupied • Property built up on stilts, poles or pillars (owner occupied or seasonal) • Property that would have any type Commercial exposure not used in the farming

operation such as Churches, Bed & Breakfasts, Thrift Stores and Hunting Lodges • Recreational Vehicles used or modified to be used as dwellings or seasonal dwellings

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HOMEOWNERS MISCELLANEOUS ENDORSEMENTS (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

HG-86 $8.70 $7.80 $6.90 $6.70 REFRIGERATED PRODUCTS

HM-89 & HM-89P NO CHARGE INFLATION GUARD

HMIC-90 $.90 $.80 $.70 $.50 HOUSEHOLD PERSONAL PROPERTY REPLACEMENT COST

HG-106 $20.00 Flat Charge ADDITIONAL COVERAGE - MINIMUM DWELLING COVERAGE $60,000

HMIC-107 $25.00 Flat Charge DWELLING REPLACEMENT COST

HG-129 $10.00 per $1,000 Coverage. Issued for one year only. THEFT OF CONSTRUCTION MATERIALS

HG-276 Increase Dwelling Premium 50% / 40% / 30% VARIABLE REPLACEMENT COST TERMS - % USED 50% / 60% / 70%

HM-300 $30.00 $30.00 $30.00 $30.00 $30.00 FIRE DEPARTMENT SERVICE CLAUSE

HG-310 $1.00 per $1,000 of Dwelling Coverage VACANCY LIMITATION New business vacant property will not be accepted. Existing business that becomes vacant may be

eligible for the rated endorsement. Premium fully earned on effective date.

HM-368 $5,000 = $70.00 Flat Charge WATER BACKUP OF SEWER OR DRAIN $10,000 = $130.00 Flat Charge

Adding to existing policies requires completed questionnaire $25,000 = $200.00 Flat Charge

POLICY REWRITE FEE $50.00 Flat Charge

PROPERTY ADDITIONAL INSURED $5.00 Flat Charge

SOLID FUEL BURNING APPLIANCE FEE $75.00 Flat Charge Applies to freestanding wood burners and fireplace inserts.

LOG HOME ADDITIONAL CHARGE $2.00 per $1,000 of Dwelling Coverage Applies to all deductibles.

EARTH SHELTERED HOMES FULLY UNDERGROUND 10% Discount to Dwelling Rate PARTIALLY UNDERGROUND 5% Discount to Dwelling Rate

01/17

HOMEOWNERS EQUIPMENT BREAKDOWN COVERAGE (HG 4900) ($500 DEDUCTIBLE)

Provides repair or replacement cost coverage for damage caused by equipment breakdown in your Dwelling or Other Structures. Equipment Breakdown Coverage includes damage to covered property caused by 1) Mechanical or electrical breakdown, 2) Tearing apart, cracking, burning, or bulging of steam or hot water heating system or air conditioning system.

EQUIPMENT BREAKDOWN – HOME-GUARD RATE SCHEDULE

ANNUAL PREMIUM

EQUIPMENT BREAKDOWN COVERAGE HOME-GUARD (HG 4900)

Dwelling Coverage GMRC Rate - $500 Deductible

0 - $ 250,000 $ 34.00

$ 250,001 - $ 500,000 $ 55.00

$ 500,001 - $ 1,000,000 $ 86.00

$ 1,000,001 - $ 5,000,000 $ 128.00

Rates are based on the amount of coverage stated on the Declarations for the Dwelling. Equipment Breakdown Coverage is $50,000 per accident.

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SCHEDULED PERSONAL PROPERTY ENDORSEMENTS

(RATES PER $100)

CLASS OF PROPERTY No Ded $100 Ded $250 Ded

Bicycles 10.00 9.00 8.00

Boats 2.70 2.50 2.00

Cameras and Projectors 1.30 1.05 1.00

CB Radios 3.00 2.80 2.60

Coins 1.50 1.30 1.20

Docks 4.00 3.20 3.00

Electronic Data Processing Equipment, including Data and Media, As scheduled

2.40

2.20

2.10

Fine Arts and Antiques (Glass Breakage excluded) .30 .25 .20

Fine Arts and Antiques, including Glass Breakage .40 .35 .30

Fishing Equipment 3.00 2.80 2.50

Furs .40 .35 .30

Golf Carts 5.50 4.40 3.50

Golfers' Equipment 1.10 .90 .85

Guns 3.50 2.90 2.75

Hearing Aids 3.50 2.90 2.70

Hoists, for Boats 4.00 3.25 3.00

Hunting Equipment 5.75 5.25 5.00

Jewelry 1.00 .80 .75

Musical Instruments and Related Articles .60 .48 .45

Musical Instruments Used Professionally 3.00 2.70 2.50

Oxygen Tanks 3.00 2.90 2.70

Photographic Equipment Used Professionally 2.60 2.20 2.00 Portable Electronic Devices 6.00 5.00 4.00

Postage Stamps .60 .48 .45

Saddles 3.50 2.90 2.70

Satellite Receiving Dishes 4.00 3.30 3.20

Silverware .30 .24 .22

All-Terrain Vehicles 7.00 5.50 4.50

Tools and Equipment 3.00 2.80 2.60

Wheelchairs, Electric/Medical Equipment 3.50 2.80 2.60 MINIMUM PREMIUM

$20.00

$15.00

$15.00

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SCHEDULED PERSONAL PROPERTY COVERAGE (LAWN, GARDEN OR AGRICULTURE TRACTORS AND LAWN MOWERS AND

EQUIPMENT USED WITH OR ATTACHED TO THIS EQUIPMENT)

(RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

RATE… $9.00 $8.00 $7.00 $7.00

Loss settlement is Actual Cash Value (ACV) at the time of loss. ACV is Replacement Cost less depreciation, based on age/condition prior to loss. Policy deductible applies.

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HOMEOWNERS (HG 2) BROAD FORM

($30,000 +) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500 FIRE CLASS (1&2) $30,000 - $39,999 $8.40 $7.20 $6.60 $6.20 $40,000 + $7.50 $6.10 $5.50 $5.30 FIRE CLASS (3&4) $30,000 - $39,999 $9.20 $7.90 $7.40 $7.00 $40,000 + $7.80 $6.50 $5.80 $5.60 FIRE CLASS (5&6) $30,000 - $39,999 $10.00 $8.80 $8.00 $7.80 $40,000 + $8.00 $6.80 $6.10 $5.80 FIRE CLASS (7&8) $30,000 - $39,999 $10.90 $9.60 $8.90 $8.60 $40,000 + $8.60 $7.40 $6.70 $6.30 FIRE CLASS (9) $30,000 - $39,999 $11.50 $10.30 $9.70 $9.50 $40,000 + $9.60 $8.10 $7.60 $7.40 FIRE CLASS (10) $30,000 - $39,999 $12.50 $11.20 $10.70 $10.30 $40,000 + $11.60 $10.40 $8.40 $8.10

1. To figure premium: use the rate per $1,000 X the dwelling coverage amount. 2. Minimum coverage: $30,000 3. Rate includes: 50% of Dwelling amount to cover Personal Property. 4. Rate includes: 10% of Dwelling amount to cover Other Structures. 5. Rate includes: 20% of Dwelling amount to cover Loss of Use. 6. Rates for additional Other Structures coverage ($250 ded - $6.80; $500 ded -

$6.10; $1,000 ded - $5.40; and $2,500 ded - $5.10) 7. Mobile/modular/manufactured homes on a permanent masonry foundation

permitted. a. Pillars not acceptable. Concrete block wall installed after the home is set

in place not acceptable. b. Maximum age limit of mobile/modular/manufactured home is 25 years. c. Premium is 125% of above rates.

8. Property loss settlement is actual cash value. 9. Personal Liability (PL) is not included in premium. 01/17

13

HOMEOWNERS (HG 2) BROAD FORM

MODULAR / MANUFACTURED ($40,000 +)

(RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

FIRE CLASS (1&2) $7.70 $7.00 $6.30 $5.80

FIRE CLASS (3&4) $8.10 $7.50 $6.80 $6.50

FIRE CLASS (5&6) $8.70 $7.80 $7.30 $6.90

FIRE CLASS (7&8) $9.10 $8.10 $7.50 $7.30

FIRE CLASS (9) $10.20 $9.20 $8.60 $8.10

FIRE CLASS (10) $11.30 $10.30 $9.70 $9.20

1. To figure premium: use the rate per $1,000 X the dwelling coverage amount. 2. Minimum coverage is $40,000 3. Rate includes: 50% of Dwelling amount to cover Personal Property. 4. Rate includes: 10% of Dwelling amount to cover Other Structures. 5. Rate includes: 20% of Dwelling amount to cover Loss of Use. 6. Use the Dwelling rate for additional Other Structures coverage. 7. Modular/manufactured home of 24 feet or more in width on piers/pillars

permitted with an installed manufacturer anchor system. 8. Maximum age of modular/manufactured home is 15 years. 9. Only original manufacturer solid fuel burning devices permitted. 10. Property loss settlement is actual cash value. 11. Personal Liability (PL) is not included in the premium. 01/17

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STANDARD HOMEOWNERS (HG 3) SPECIAL FORM

($60,000 - $350,000) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

FIRE CLASS (1&2) $60,000 - $99,999 $5.60 $4.90 $4.80 $4.10 $100,000 - $149,999 $4.90 $4.40 $3.80 $3.60 $150,000 - $199,999 $4.80 $4.30 $3.70 $3.50

$200,000 + $4.70 $4.20 $3.60 $3.40 FIRE CLASS (3&4) $60,000 - $99,999 $5.80 $5.10 $5.00 $4.30 $100,000 - $149,999 $5.10 $4.60 $4.00 $3.80 $150,000 - $199,999 $5.00 $4.50 $3.90 $3.70

$200,000 + $4.90 $4.40 $3.80 $3.60 FIRE CLASS (5&6) $60,000 - $99,999 $6.00 $5.40 $4.60 $4.40 $100,000 - $149,999 $5.40 $4.80 $4.20 $4.00 $150,000 - $199,999 $5.30 $4.70 $4.10 $3.90

$200,000 + $5.10 $4.60 $4.00 $3.80 FIRE CLASS (7&8) $60,000 - $99,999 $6.20 $5.70 $4.90 $4.70 $100,000 - $149,999 $5.70 $5.00 $4.40 $4.20 $150,000 - $199,999 $5.60 $4.90 $4.30 $4.10

$200,000 + $5.40 $4.80 $4.20 $4.00 FIRE CLASS (9) $60,000 - $99,999 $6.90 $6.40 $5.80 $5.60 $100,000 - $149,999 $6.50 $5.90 $5.10 $4.90 $150,000 - $199,999 $6.30 $5.80 $5.00 $4.80

$200,000 + $6.20 $5.70 $4.90 $4.70 FIRE CLASS (10) $60,000 - $99,999 $7.60 $7.00 $6.40 $6.20 $100,000 - $149,999 $7.10 $6.60 $6.00 $5.80 $150,000 - $199,999 $7.00 $6.50 $5.90 $5.70

$200,000 + $6.90 $6.40 $5.80 $5.60

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1. To figure premium: use the rate per $1,000 X the dwelling coverage amount. 2. Minimum coverage: $60,000 3. Rate includes: 75% of Dwelling amount to cover Personal Property. 4. Rate includes: 10% of Dwelling amount to cover Other Structures. 5. Rate includes: 20% of Dwelling amount to cover Loss of Use. 6. Rates for additional Other Structures coverage ($250 ded - $5.80; $500 ded -

$5.30; $1,000 ded - $4.60; and $2,500 ded - $4.40). 7. Rate includes: HM 89 or HM 89P Inflation Guard. 8. HG-276 Variable Replacement Cost terms permitted. 9. Mobile/modular/manufactured homes on a permanent masonry foundation

permitted. Pillars not acceptable. Concrete block wall installed after the home is set in place not acceptable.

a. Maximum age limit of mobile/modular/manufactured homes is 12 years. b. Premium is 125% of above rates.

10. Maximum dwelling coverage is $350,000. Call Underwriting for more information.

11. No property Auto/Home Discount the first policy year if a loss control report is issued or an endorsement that limits coverage is applicable.

12. Property loss settlement is replacement cost. 13. Personal Liability (PL) is not included in premium.

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PREFERRED HOMEOWNERS (HG 3) SPECIAL FORM

($125,000 - $600,000) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

FIRE CLASS (1&2) $4.10 $3.60 $3.30 $2.90 + BASE AMOUNT $35.00 $35.00 $35.00 $35.00 FIRE CLASS (3&4) $4.20 $3.70 $3.40 $3.00 + BASE AMOUNT $35.00 $35.00 $35.00 $35.00 FIRE CLASS (5&6) $4.30 $3.80 $3.50 $3.20 + BASE AMOUNT $35.00 $35.00 $35.00 $35.00 FIRE CLASS (7&8) $4.40 $3.90 $3.60 $3.40 + BASE AMOUNT $35.00 $35.00 $35.00 $35.00 FIRE CLASS (9) $4.90 $4.30 $4.10 $3.90 + BASE AMOUNT $40.00 $40.00 $40.00 $40.00 FIRE CLASS (10) $5.70 $4.90 $4.50 $4.30 + BASE AMOUNT $40.00 $40.00 $40.00 $40.00

1. To figure premium: use the rate per $1,000 X the dwelling coverage amount + base and apply the appropriate discount from Preferred Dwelling discount table.

2. Minimum coverage is $125,000. Maximum age limit is 35 years. 3. 100% insurance to value required. 4. HM-89P Inflation Guard endorsement utilizing replacement cost estimator applies. 5. Rate includes: 75% of Dwelling amount to cover Personal Property. 6. Rate includes: 10% of Dwelling amount to cover Other Structures. 7. Rate includes: 20% of Dwelling amount to cover Loss of Use. 8. Use the Dwelling rate for additional Other Structures coverage, excluding base. 9. HM-318 Extended Dwelling Replacement Cost Coverage is included. 10. HG-320 Additional Coverage – Personal Property is included. 11. Premium is 105% on existing policies with Preferred Dwelling over 35 years old. 12. Property loss settlement is replacement cost. 13. Personal Liability (PL) is not included in premium.

PREFERRED DWELLING DISCOUNT TABLE

AGE OF DWELLING IN YEARS DISCOUNT AMOUNT 0-5 10% 6-10 9% 11-15 8% 16-20 6% 21-25 4% 26-30 2% 31-35 0% 36-40 +5%

41+ +10%

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PREFERRED DWELLING UNDERWRITING GUIDELINES

1. Dwelling minimum coverage amount: $125,000

2. Dwelling minimum coinsurance requirement: 100% based on any industry recognized replacement cost estimating system.

3. Application must be completed in its entirety, giving special attention to

dwelling and roof ages, dimensions, fire protection class and type of construction. Detailed information must be supplied regarding prior carrier and loss history.

4. Loss experience:

a. One loss in previous 3 years not to exceed $1,000.

b. If the $1,000 claim amount is exceeded due to one catastrophe

(windstorm/hail) occurrence, the property will be accepted with a complete new dwelling roof and all other damage repaired. No existing damage to the property allowed.

5. Dwelling age not to exceed 35 years.

6. Must be owner occupied.

7. Duplex permitted with owner occupying one side.

8. Modular homes not permitted.

9. $250 minimum new policy deductible.

10. Must be in excellent condition and well maintained.

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HOMEOWNERS BUILDER’S RISK POLICY UNDERWRITING GUIDELINES

1. The Preferred Homeowners policy provision will be used.

2. The dwelling must be insured to 100% of its completed value at the inception of the policy.

3. The HG-129 Theft of Construction Material Endorsement will be applied with

a minimum of $5,000 coverage for a period of one year. The rate per $1,000 coverage will be $10.00. Additional coverage may be purchased in excess of $5,000.

4. This policy will be written for a period of one year only.

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RENTERS INSURANCE (HG 4) BROAD FORM

(RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

FIRE CLASS (1&2) $8.30 $8.00 $6.80 $6.50

FIRE CLASS (3&4) $8.90 $8.40 $7.30 $6.80

FIRE CLASS (5&6) $9.50 $8.80 $7.60 $7.40

FIRE CLASS (7&8) $9.80 $9.00 $7.70 $7.50

FIRE CLASS (9) $10.90 $10.00 $8.60 $8.40

FIRE CLASS (10) $12.40 $11.10 $9.60 $9.10

1. To figure premium: use the rate per $1,000 X the personal property coverage amount.

2. Minimum coverage is $6,000. 3. Rate includes: 20% of Personal Property amount to cover Loss of Use. 4. Insert the word “NONE” in the “AMOUNT OF COVERAGE” columns for both the

Dwelling and Other Structures. 5. Property loss settlement is actual cash value. 6. Personal Liability (PL) is not included. 01/17

20

RENTERS INSURANCE (HG 4) BROAD FORM W/REPLACEMENT COST (HMIC 90)

(RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

FIRE CLASS (1&2) $7.10 $6.60 $5.60 $5.40

FIRE CLASS (3&4) $7.70 $7.30 $6.20 $6.00

FIRE CLASS (5&6) $8.30 $7.70 $6.60 $6.30

FIRE CLASS (7&8) $8.50 $8.00 $6.70 $6.40

FIRE CLASS (9) $9.70 $8.80 $7.70 $7.50

FIRE CLASS (10) $10.90 $9.50 $8.60 $8.40

1. To figure premium: use the rate per $1,000 X the personal property coverage amount.

2. Minimum coverage is $20,000. 3. Rate includes: 20% of Personal Property amount to cover Loss of Use. 4. Insert the word “NONE” in the “AMOUNT OF COVERAGE” columns for both the

Dwelling and Other Structures. 5. Property loss settlement is replacement cost. 6. Personal Liability (PL) is not included.

01/17

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RENTERS INSURANCE (HG 4) BROAD FORM

(MOBILE HOME) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

PERSONAL PROPERTY $14.90 + $12.00 + $9.90 + $9.20 +

$6,000-$10,999 $23.00 BASE $23.00 BASE $23.00 BASE $23.00 BASE

PERSONAL PROPERTY $18.40 + $15.30 + $12.80 + $12.50 +

$11,000-$20,000 $23.00 BASE $23.00 BASE $23.00 BASE $23.00 BASE

1. To figure premium: use the rate per $1,000 X the coverage amount + base.2. Minimum Personal Property coverage: $6,000.3. Maximum Personal Property coverage: $20,000.4. Rate includes: 20% of coverage amount for Loss of Use.5. Coverage not permitted if mobile home has solid fuel burning appliance.6. Mobile Home containing covered Personal Property must meet Mobile Home

Guard underwriting requirements.7. RC-120 Mobile Home Questionnaire not required.8. Property loss settlement is actual cash value.9. Personal Liability (PL) is not included in the premium. The Mobile Home

Renter’s Insurance Policy cannot be written without PL coverage.

22

MOBILE HOME GUARD (HG 2) BROAD FORM

(RATES PER $1,000) DEDUCTIBLE $250 $500 $1,000 $2,500 MOBILE HOME (+ $46.00 BASE) $16.50 $13.50 $11.20 $10.90 PERSONAL PROPERTY OVER 50% $19.20 $16.10 $13.30 $13.10 OTHER STRUCTURES $12.60 $10.30 $8.80 $8.60

1. To figure premium: use the rate per $1,000 X the coverage amount + base. 2. Minimum Mobile Home coverage: $15,000. 3. Rate includes: 50% of Mobile Home coverage amount for Personal Property. 4. HMIC 90 permitted when Personal Property equals 100% of Mobile Home

coverage amount. Personal Property cannot exceed 100% of Mobile Home coverage.

5. Rate includes: 20% of Mobile Home coverage amount for Loss of Use. 6. New business maximum age limit: 25 years. 7. No solid fuel burning appliance permitted in mobile home. 8. HG-114 Trip Collision: $18.00 charge. 9. HG-118 Vendor’s Single Interest: $12.00 charge.

10. RC-120 Mobile Home Questionnaire must be completed. 11. Other Structures exceeding $5,000 in coverage, use Farm Building rates and

underwriting guidelines. 12. Mandatory $1,000 coverage for Outside Wiring, unless waived in writing. 13. Reconstruction of mobile homes by joining two separate units together or

enclosing existing mobile home with conventionally framed roofing or walls will not be accepted.

14. Property loss settlement is actual cash value. 15. Mine Subsidence coverage not available on mobile homes. 16. Personal Liability (PL) is not included in the premium. The Mobile Home

Guard policy cannot be written without PL coverage.

GARAGE RATES

RATE… $6.10 $5.30 $4.60 $4.40

1. To figure premium: use the rate per $1,000 X the garage coverage amount. 2. Minimum coverage: $3,000. 50% of the replacement cost minimum

requirement. 3. Property loss settlement is actual cash value.

01/17

GARAGE RATES

RATE… $6.10 $5.30 $4.60 $4.40


requirement. 3. Property loss settlement is actual cash value.

01/17 23

MOBILE HOME (RC-59 OR RC-41P) (OWNER OCCUPIED)

(TOWN OR FARM) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500 MOBILE HOME $30.80 $25.40 $21.30 $21.00 PERSONAL PROPERTY $21.30 $17.70 $14.50 $14.30 OTHER STRUCTURES $12.60 $10.30 $8.80 $8.60

1. To figure premium: use the rate per $1,000 X the coverage amount. 2. Minimum Mobile Home coverage: $3,000. 3. Minimum Personal Property coverage: $1,000. 4. Maximum coverage limit of Personal Property not to exceed 100% of Mobile

Home coverage. 5. When insuring Personal Property only, not qualifying for Mobile Home

Renter’s Insurance, use the above Personal Property rate. 6. Rate includes: 20% of coverage amount for Additional Living Expense. 7. New business maximum age limit: 25 years. 8. No solid fuel burning appliance permitted in mobile home. 9. RC-90 Household Personal Property Replacement Cost not permitted.

10. RC-106 Dwelling Additional Coverage not permitted. 11. RC-107 Dwelling Replacement Cost not permitted. 12. RC-412 Dwelling and Household Personal Property Broadform not permitted. 13. RC-114 Trip Collision: $18.00 charge. 14. RC-118 Vendor’s Single Interest: $12.00 charge. 15. RC-120 Mobile Home Questionnaire must be completed. 16. Other Structures exceeding $5,000 in coverage, use Farm Service Building

rates. 17. Mine Subsidence coverage not available on mobile homes. 18. Mandatory $1,000 coverage for Outside Wiring, unless waived in writing. 19. Reconstruction of mobile homes by joining two separate units together or

enclosing existing mobile home with conventionally framed roofing or walls will not be accepted.

20. Property loss settlement is actual cash value. 21. Personal Liability (PL) is not included in premium.

GARAGE RATES

RATE… $6.10 $5.30 $4.60 $4.40


requirement.3. Property loss settlement is actual cash value.

01/17 24

MOBILE HOME (RC-59 OR RC-41P) (TENANT OCCUPIED)

(TOWN OR FARM) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

MOBILE HOME $30.40 $24.50 $20.10 $19.90

PERSONAL PROPERTY RENTED TO OTHERS $19.90 $15.70 $12.90 $12.60

OTHER STRUCTURES $12.60 $10.30 $8.80 $8.60

1. To figure premium: use the rate per $1,000 X the coverage amount.2. Minimum Mobile Home coverage: $3,000.3. RC-306 Rebuilding Endorsement mandatory. Applicant signature required.4. Supporting insurance required.5. Maximum coverage limit of Personal Property Rented to Others: $1,000.

Amount of coverage per item required.6. Loss of Rents: Charge the Mobile Home rate per $1,000.7. New business maximum age limit: 25 years.8. No solid fuel burning appliance permitted in mobile home.9. RC-90 Household Personal Property Replacement Cost not permitted.

10. RC-106 Dwelling Additional Coverage not permitted.11. RC-107 Dwelling Replacement Cost not permitted.12. RC-412 Dwelling and Household Personal Property Broadform not permitted.13. RC-114 Trip Collision: $18.00 charge.14. RC-118 Vendor’s Single Interest: $12.00 charge.15. RC-120 Mobile Home Questionnaire must be completed.16. Other Structures exceeding $5,000 in coverage, use Farm Service Building

rates.17. Mine Subsidence coverage not available on mobile homes.18. Mandatory $1,000 coverage for Outside Wiring, unless waived in writing.19. Reconstruction of mobile homes by joining two separate units together or

enclosing existing mobile home with conventionally framed roofing or wallswill not be accepted.

20. Property loss settlement is actual cash value.21. Personal Liability (PL) is not included.

25

TOWN DWELLING (RC-59) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

“B” CLASS $ 5.80 + $ 5.10 + $ 4.00 + $ 3.80 +

$12.00 BASE $12.00 BASE $12.00 BASE $12.00 BASE

“C” CLASS $ 9.60 + $ 7.90 + $ 6.70 + $ 6.50 +


“D” CLASS $14.90 + $12.50 + $10.40 + $10.20 +


1. To figure premium: use the rate per $1,000 X the dwelling coverage amount+ base.

2. “B” Class minimum coverage: $18,000.3. “C” Class minimum coverage: $12,000.4. “D” Class minimum coverage: $5,000.5. Rate does not include Personal Property coverage.6. Rate includes 20% of dwelling amount to cover Additional Living Expense.7. RC-412 Dwelling and Household Personal Property Broadform permitted.

Broadform rate: $.50 per $1,000 coverage. Broadform must apply to bothdwelling and personal property coverages.

8. Minimum coverage for broadform: $25,000.9. Property loss settlement is actual cash value.

10. Liability is not included in premium.

GARAGE RATES

RATE… $6.10 $5.30 $4.60 $4.10

1. To figure premium: use the rate per $1,000 X the garage coverage amount2. Minimum coverage: $3,000. 50% of the replacement cost minimum requirement.3. Property loss settlement is actual cash value.

01/17

26

TOWN PERSONAL PROPERTY (RC-59) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

“B” CLASS $ $5.20 + $ 4.60 + $ 3.50 + $ 3.30 +


“C” CLASS $ 9.10 + $ 7.40 + $ 6.10 + $ 5.90 +


“D” CLASS $14.20 + $12.00 + $ 9.90 + $ 9.70 +


1. To figure premium: use the rate per $1,000 X the coverage amount + base.2. “B” Class minimum coverage: $4,000.3. “C” Class minimum coverage: $1,000.4. “D” Class minimum coverage: $1,000.5. RC-412 Dwelling and Household Personal Property Broadform permitted.

Broadform rate: $.50 per $1,000 coverage.6. Minimum coverage for broadform: $4,000.7. Property loss settlement is actual cash value.

01/17

PERSONAL LIABILITY MANUAL ILLINOISLIABILITY RATE SCHEDULE

GMRC PL * denotes change01/17 PL-R-1IL Rates

BASIC CHARGE:Includes $100,000 Liability (BI/PD), $1,000 Medical, & $250 Property Damage to Others (PDP) ................ $45.00

INCREASED LIMITS: Liability BI/PD: 300,000 .......... 5.75 Medical: 2,000 .......... 2.25 PDP: 500 ....... 2.25

500,000 .......... 9.00 5,000 .......... 6.75 1,000 ....... 6.75 1,000,000 ........ 18.00 10,000 ........ 10.25 2,500 ..... 12.00

15,000 ........ 14.65 5,000 ..... 17.00 20,000 ........ 19.15 10,000 ..... 23.00 25,000 ........ 23.65 15,000 ..... 30.00

Form No. OPTIONAL ENDORSEMENTS 100,000 300,000 500,000 1,000,000PL 1021 Insured’s Liability While Employed By Others

Clerical Office .................................................................... 2.18 2.39 2.57 3.27 Salesmen .......................................................................... 4.32 4.84 5.15 6.53 Teachers (Coaches, Lab., Shop) ...................................... 10.82 12.02 12.87 16.33 Teachers (all others) ......................................................... 7.57 8.45 9.01 11.43 N.O.C ................................................................................ 4.32 4.84 5.15 6.53

PL 1919 Additional Insured (per entity) ............................................... 4.32 4.84 5.15 6.53 PL 1919 Additional Insured (Limited, per entity) .................................. N/C N/C N/C N/C

* GMIL 4672 Additional Insured – Limited (Electric Utility for Your Solar Panel System) ................................................. 52.00 57.00 62.00 71.00

* GMIL 4749 Additional Insured (Limited) – Special Event......................... 25.00 30.00 35.00 50.00 GMIL 4752 Additional Insured – Other Residents of Your Household ..... 4.32 4.84 5.15 6.53 GMIL 4629 Additional Insured – Primary and Non-Contributory .............. $75.00 per entity

PL 1919 Additional Premises ............................................................... 5.43 6.01 6.43 8.16 PL 2203 Contractual Liability ............................................................... 21.69 24.09 25.73 32.66 PL 1976 Farm Landowner’s Liability Coverage

0-240 Acres ....................................................................... 55.00 66.00 79.00 99.00 241-640 Acres ................................................................... 64.00 77.00 91.00 111.00 Over 640 Acres ................................................................. 79.00 92.00 109.00 131.00

PL 2246 IL Home Day Care Provider Coverage ...................................... 84.00 98.00 112.00 126.00 GMIL 4777 Horse Boarding Coverage ..................................................... 162.00 197.00 225.00 312.00

PL 1946 Incidental Agricultural Activity0-10 Acres (with or without livestock) ............................. 5.43 6.01 6.43 8.16

11-40 Acres (without livestock) ......................................... 10.82 12.07 12.87 16.33 11-40 Acres (with livestock) .............................................. 27.08 30.14 32.17 40.82

PL 1037 Residential Rental Property Coverage (per building) One or Two Family ............................................................ 27.00 32.00 35.00 43.00 Three Family ..................................................................... 34.00 40.00 44.00 54.00 Four Family ....................................................................... 41.00 48.00 53.00 65.00

PL 1915 IL Waterbed Liability Coverage ............................................. 21.69 24.09 25.73 32.66

PERSONAL LIABILITY MANUAL ILLINOISLIABILITY RATE SCHEDULE

GMRC PL * denotes change01/16 PL-R-2IL Rates

Form No. OPTIONAL ENDORSEMENTS 100,000 300,000 500,000 1,000,000PL 2333 IL Select Recreational Vehicle Limited Liability Coverage

ATVs <= 600 cc ................................................................ 50.46 58.07 71.40 77.75 ATVs > 600 cc .................................................................. 55.22 62.83 78.54 86.49 AMTs ................................................................................. 50.46 58.07 71.40 77.75 Golf Carts .......................................................................... 45.26 52.09 64.05 77.75 Outboard 51-75 HP ........................................................... 7.00 11.00 12.00 20.85 Outboard 76-125 HP ......................................................... 10.00 12.00 18.00 27.28 Outboard over 125 HP ...................................................... 15.00 17.00 28.00 37.99 Inboard or I/O <= 40 MPH ................................................ 15.00 19.00 28.00 43.00 Inboard or I/O > 40 MPH ................................................... 20.00 24.00 38.00 55.50

PL 1031 Business Activities Coverage Maximum $40,000 Gross Receipts Antique Shop on Premises ............................................... 28.00 32.00 35.00 43.00 Appliance Repair Shop ..................................................... 35.00 40.00 44.00 53.00 Bait Shop on Premises ..................................................... 28.00 32.00 35.00 43.00 Beauty or Barber Shop ..................................................... 28.00 32.00 35.00 43.00 Building(s) owned by insured and leased to 3rd party

for commercial purposes (lessor’s risk only) ................ 35.00 40.00 44.00 53.00 Cabinet Shop/Handicraft Shop on Premises .................... 28.00 32.00 35.00 43.00 Carpentry – Odd Jobs ....................................................... 28.00 32.00 35.00 43.00 Custom Corn Shelling ....................................................... 28.00 32.00 35.00 43.00 Farm Product Salesman ...................................................... 28.00 32.00 35.00 43.00 Incidental Retail/Service N.O.C ........................................ 28.00 32.00 35.00 43.00 Landscaping–No excavation, bull-dozing or tree-trimming 28.00 32.00 35.00 43.00

* Limited Off-Premises – Power Appliances for Hire .......... 28.00 32.00 35.00 43.00 Office/Studio...................................................................... 17.00 20.00 22.00 28.00 Refreshment Stands (not restaurants) .............................. 35.00 40.00 44.00 53.00 Sewing/Upholstery Shop ................................................... 28.00 32.00 35.00 43.00 Shearing Sheep ................................................................ 28.00 32.00 35.00 43.00 Taxidermy ......................................................................... 28.00 32.00 35.00 43.00 Use of Tractor – Snow Removal, Plowing Gardens ......... 28.00 32.00 35.00 43.00

GMIL 4772 Liability Loss Assessment Coverage Increased Limits

1,000 5,000 10,000 15,000 20,000 25,000 50,000 Included 3.00 5.00 6.00 7.00 8.00 13.00

29

FARMATE HOME SECURITY DISCOUNTS


1. Telephone line or radio transmitter central station connected security/fireprotection system with 24-hour monitoring.

2. Electronic smoke detectors connected to central station monitor.3. Electronic heat detectors connected to central station monitor.4. Motion detector(s) with interior/exterior alarm and connected to central station

monitor. (Optional due to animals.)5. Carbon monoxide detector.6. Door contacts with interior/exterior alarm and central station monitor.7. Fire extinguisher(s) (2 ½ pound minimum).8. Battery back-up for interior/exterior alarm and digital dialer.9. Certificate from the monitoring company identifying services provided.

10. Discount applied at renewal.


1. Burglar alarm connected to central station.2. Smoke detector/carbon monoxide detector.3. Fire extinguisher(s) (2 ½ pound minimum).4. Certificate from the monitoring company identifying services provided.5. Discount applied at renewal.


1. Permanently installed burglar alarm (not central station connected) with localsiren/horn.

2. Smoke detector/carbon monoxide detector.3. Fire extinguisher(s) (2½ pound minimum).4. Discount applied at renewal.

30

FARMATE AUTO/HOME DISCOUNTS

AUTO/HOME PACKAGE DISCOUNT APPLIES TO THE FOLLOWING POLICIES: • Farmate Custom Dwelling w/Replacement Cost (12% Dwelling premium only) • Commander (12% Dwelling premium only)

GUIDELINES FOR AUTO/HOME PACKAGE DISCOUNT: 1. The named insured on the GMRC auto policy must be the named insured or

additional named insured on the FarMutual policy which covers the principle residence of the insured.

2. Discount will be added or deleted only at renewal following the initial issuance of the policy.

3. The Property 12% discount will not apply to any policy if a Loss Control Report is issued or an endorsement that limits coverage is applicable the first year. Once the Loss Control Report is satisfactorily completed and the endorsement(s) that limits coverage is removed from the policy, the discount will be added at the next renewal.

AUTO/HOME DWELLING DISCOUNT APPLIES TO THE FOLLOWING POLICIES: • Commander or Custom Dwelling with replacement cost coverage (5%

Dwelling premium)

GUIDELINES FOR AUTO/HOME DWELLING DISCOUNT: 1. The personal auto policy of the named insured must be written with a carrier

represented by the agency of record. 2. Current auto dec page must accompany application for discount. 3. Current auto dec page must be provided prior to each renewal. 4. Discount will be added or deleted only at renewal following the initial issuance

of the policy.

LONGEVITY DISCOUNTS

FARMOWNERS LONGEVITY DISCOUNT APPLIES TO THE FOLLOWING FARMUTUAL POLICIES/PERCENTAGE OF DISCOUNT: • Farm Custom Dwelling with replacement cost or Commander Dwelling

insured with Heartland Mutual for three or more consecutive years (same policy #) - a longevity discount of 2% of total property premium

• Longevity Discount applied independently of Claims Free Longevity Discount

APPLICATION: • Applied at renewal following three consecutive, continuous policy years.

31

CLAIM FREE DISCOUNTS (FARMATE)

NEW BUSINESS CLAIM FREE DISCOUNT APPLIES TO THE FOLLOWING FARMUTUAL POLICIES/PERCENTAGE OF DISCOUNT: • Farm Custom Dwelling with replacement cost or Commander Dwelling - 5%

of total property premium • No paid property claims in last three years (Determined by CLUE report)

CLAIM FREE LONGEVITY DISCOUNT APPLIES TO THE FOLLOWING FARMUTUAL POLICIES/PERCENTAGE OF DISCOUNT: • Farm Custom Dwelling with replacement cost or Commander Dwelling

insured with Heartland Mutual for three or more consecutive years (same policy #) - a claim free longevity discount of 10% of total property premium.

• No paid property claims in last three policy years.

APPLIED/REMOVAL: 1. Applied at renewal following three claim free policy years: if total property

claims paid (RCC Claims tab) divided by the total premium payment (RCC Billing tab) is equal to or less than 80%.

2. Removed at renewal following a paid property claim within the previous policy year, except when only one claim is paid during the policy period and the amount paid is less than 110% of the policy deductible.

3. The exception applies to only the first claim within three consecutive policy periods. The discount will be removed following the second paid claim of any amount within three consecutive policy periods.

32

SURCHARGE PROGRAM

Our experience has shown that an exceptionally large proportion of our total claim payments are made to or on behalf of a very small percentage of our policyholders.

A few policyholders experience one or more claims each year. The intent of the surcharge is to request that policyholders with above average claim frequency contribute additional premium, consequently stabilizing the base premium level for those who contribute to good loss experience.

The surcharge is an additional charge imposed on the existing rate structure of the policy.

AFTER CLOSELY REVIEWING EACH POLICYHOLDER EXPERIENCING EXCESSIVE CLAIMS, ONE OF THE FOLLOWING ACTIONS WILL BE TAKEN:

1. Monitor annually 2. Premium surcharge (30% of property premium with a minimum of $50.00)

Only paid claims will be considered valid claims in determining if a surcharge should apply. Reported but not paid claims will not be considered.

The surcharge will be imposed on the first renewal date following the determination that a surcharge will apply.

The policyholder will return to claims-free eligibility on the renewal date following a three-year claims free period.

Additional claims could result in non-renewal of the entire policy.

33

PREMIUM PAYMENT OPTIONS

The following premium payment options are available for direct-bill policies:

1. Quarterly premium payment plan; 2. Semi-annual premium payment plan; or 3. Annual premium payment plan.

An installment fee (currently $5.00 per installment) applies to the quarterly and semi-annual options; there is no service charge or installment fee applied to the annual payment option.

Payment may be made by cash, check, money order, MasterCard, Visa or ACH (Automated Clearing House). Credit card or ACH payments may be made by phone.

We understand that your insured may occasionally wish to make payment in your office. Any agency accepting premium on behalf of Heartland Mutual with the intent to mail the premium to us is asked to immediately notify us by phone in order to reduce the incidence of unnecessary late notices/fees. Premium received in your office may also be submitted online via agent web inquiry.

Mortgagee-bill policies are billed annually.

GENERAL UNDERWRITING

• Comprehensive Loss Underwriting Exchange (CLUE) reports will be obtained for all applicants.

• Insurance scores will be obtained for all applicants. • Exterior underwriting inspection(s) will be performed on all properties.

UNACCEPTABLE RISKS

• Wood burner used as primary heat source • 60 AMP electrical service panel • Vicious dogs on premises (including but not limited to Pit Bulls, Doberman

Pinschers, Rottweilers, or any others excluded by GMRC) • Property canceled or nonrenewed by prior insurer for any reason • Vacant property of any kind • Property currently undergoing renovation and is not occupied • Property built up on stilts, poles or pillars (owner occupied or seasonal) • Property that would have any type Commercial exposure not used in the farming

operation such as Churches, Bed & Breakfasts, Thrift Stores and Hunting Lodges • Recreational Vehicles used or modified to be used as dwellings or seasonal dwellings

34

FARMATE MISCELLANEOUS ENDORSEMENTS (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

RC-56 $2.40 $2.20 $2.00 $1.80 COMPREHENSIVE FARM MACHINERY

RC-64 Tractor: $32.30 ($0 DED) $15.50 ($100 DED) Combine: $43.00 ($0 DED) $20.60 ($100 DED)

GLASS BREAKAGE: NO PRORATE

RC-83 $3.80 $3.50 $3.10 $2.90 FARM/HOUSEHOLD OPERATIONS RECORDS

RC-84 $6.40 $5.90 $5.10 $4.90 ADDITIONAL OPERATING EXPENSE

RC-86 $8.70 $7.80 $6.90 $6.70 REFRIGERATED PRODUCTS

RC-87 NO CHARGE SCHEDULED LEASED OR RENTED FARM EQUIPMENT AND MACHINERY

NO CHARGE HM 88 & HM 88CINFLATION GUARD

RC-90 $.90 $.80 $.70 $.50 PERSONAL PROPERTY LIMITED REPLACEMENT COST

RC-91 Protected Bldg.: N/A N/A $10.00 $9.00

LIMITED LIVESTOCK SUFFOCATION

RC-93 $5.90 $5.40 $4.80 $4.60 LOSS OF FARM EARNINGS COVERAGE

HMIC-95 $1-$250,000 $.60 $.60 $.60 $.60 $250,001 + $.60 $.50 $.50 $.50 Min. Premium $25.00 $25.00 $25.00 $25.00

COMPREHENSIVE FARM MACHINERY ENDORSEMENT – UNSCHEDULED FARM P/P

RC-96 $.50 $.50 $.50 $.50 FARM BUILDING ADDITIONAL COVERAGE

RC-98 $1.60 $1.50 $1.40 $1.20 OUTSIDE STORAGE

RC-99 $8.00 $6.00 $4.00 $4.00 SPECIAL COVERAGE ENDORSEMENT - PERSONAL PROPERTY COVERAGE

RC-106 $20.00 Flat Charge ADDITIONAL COVERAGE BUILDINGS

01/17

35

FARMATE MISCELLANEOUS ENDORSEMENTS (Continued) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500 RC-107 $50.00 Flat Charge

DWELLING REPLACEMENT COST

RC-129 $10.00 per $1,000 Coverage. Issued for one year only. THEFT OF CONSTRUCTION MATERIALS

RC-135 $1.00 $.90 $.90 $.90 WEIGHT OF ICE, SNOW OR SLEET $5.00 Minimum Premium Per Building

Coverage not effective until ten calendar days after original request is received by Heartland Mutual.

RC-137 $50.00 Flat Charge COLLISION AND OVERTURN

RC-272 $2.70 $2.50 $2.20 $2.00 STEEL SILO ENDORSEMENT

RC 276 Increase Dwelling Premium 50% / 40% / 30% VARIABLE REPLACEMENT COST TERMS - % USED 50% / 60% / 70%

RC-277 NO CHARGE FARM BUILDING - DEBRIS REMOVAL ENDORSEMENT

HM-278 NO CHARGE UNSCHEDULED LEASED OR RENTED FARM MACHINERY AND EQUIPMENT COVERAGE

RC-286 $14.70 $13.10 $11.70 $11.50 SPOILAGE COVERAGE - PERISHABLE FARM PERSONAL PROPERTY

RC-287 $62.00 Flat Charge POLLUTION CLEAN UP AND REMOVAL COVERAGE

HM-300 $30.00 $30.00 $30.00 $30.00 FIRE DEPARTMENT SERVICE CLAUSE

RC-310 $1.00 per $1,000 of Dwelling Coverage VACANCY OR UNOCCUPANCY PERMIT New business vacant property will not be accepted. Existing business that becomes vacant may be eligible

for the rated endorsement. Premium fully earned on effective date.

HM-368 $5,000 = $70.00 Flat Charge WATER BACKUP OF SEWER OR DRAIN $10,000 = $130.00 Flat Charge

Adding to existing policies requires completed questionnaire $25,000 = $200.00 Flat Charge

RC-399 NO CHARGE NON-DEPRECIATION OF REPAIRS ENDORSEMENT

Applies only to Scheduled and/or Unscheduled Farm Personal Property.

RC-412 $.50 $.50 $.50 $.50 DWELLING AND HOUSEHOLD PERSONAL PROPERTY BROADFORM

RC-413 $.60 $.60 $.60 $.60 BUILDING BROADFORM - CAN BE ADDED TO CLASS “A” OR “B” FARM SERVICE BLDGS.

MINIM UM CO VER AGE FO R CLAS S “B” $ 10, 000. 01/17

36

FARMATE MISCELLANEOUS ENDORSEMENTS (Continued) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500 HAY, STRAW, SILAGE $5.70 $5.00 $4.40 $4.20 FARM PRODUCE, GRAIN, SEEDS AND FEEDS NOT UNDER SEAL $5.70 $5.00 $4.40 $4.20 BORROWED FARM MACHINERY AND EQUIPMENT $5.70 $5.00 $4.40 $4.20 POLICY REWRITE FEE $50.00 PROPERTY ADDITIONAL INSURED $5.00 SOLID FUEL BURNING APPLIANCE FEE $75.00 Applies to freestanding wood burners and fireplace inserts. LOG HOME ADDITIONAL CHARGE $2.00 PER $1,000 of Dwelling Coverage Applies to all deductibles. EARTH SHELTERED HOMES FULLY UNDERGROUND 10% Discount to Dwelling Rate PARTIALLY UNDERGROUND 5% Discount to Dwelling Rate 01/17

37

FARM DWELLING (RC-41P) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

“B” $6.20 + $5.30 + $4.50 + $4.30 + CLASS $12.00 BASE $12.00 BASE $12.00 BASE $12.00 BASE

“C” $9.80 + $8.40 + $7.40 + $7.20 + CLASS $12.00 BASE $12.00 BASE $12.00 BASE $12.00 BASE

“D” $18.30 + $14.60 + $13.10 + $12.90 + CLASS $12.00 BASE $12.00 BASE $12.00 BASE $12.00 BASE

1. To figure premium: use the rate per $1,000 X the dwelling coverage amount + base.

2. “B” Class minimum coverage: $18,000. 3. “C” Class minimum coverage: $12,000. 4. “D” Class minimum coverage: $5,000. 5. Rate does not include Household Personal Property coverage. 6. Rate includes: 20% of Dwelling amount to cover Additional Living Expense. 7. RC-412 Dwelling and Household Personal Property Broadform permitted on

“B” and “C” Class dwellings. Broadform rate: $.50 per $1,000 coverage. Broadform must apply to both dwelling and personal property coverages.

8. Minimum coverage for broadform: $25,000. 9. Property loss settlement is actual cash value.

10. Liability is not included in the premium.

GARAGE RATES

RATE… $6.10 $5.30 $4.60 $4.40


requirement. 3. Property loss settlement is actual cash value. 01/17

38

FARM HOUSEHOLD PERSONAL PROPERTY (RC-41P) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

“B” $5.50 + $4.70 + $4.10 + $3.90 + CLASS $12.00 BASE $12.00 BASE $12.00 BASE $12.00 BASE

“C” $9.30 + $7.60 + $6.80 + $6.60 + CLASS $12.00 BASE $12.00 BASE $12.00 BASE $12.00 BASE

“D” $12.60 + $9.80 + $8.60 + $8.40 + CLASS $12.00 BASE $12.00 BASE $12.00 BASE $12.00 BASE

1. To figure premium: use the rate per $1,000 X the coverage amount + base.

2. “B” Class minimum coverage: $3,000. 3. “C” Class minimum coverage: $2,000. 4. “D” Class minimum coverage: $1,000. 5. RC-412 Dwelling and Household Personal Property Broadform permitted on “B”

and “C” Class personal property. Broadform rate: $.50 per $1,000 coverage. 6. Minimum coverage for broadform: $4,000. 7. Property loss settlement is actual cash value. 01/17

39

CUSTOM DWELLING (RC-54) (ACTUAL CASH VALUE COVERAGE)

(RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

RATE… $5.60 + $4.90 + $4.20 + $4.00 + $23.00 BASE $23.00 BASE $23.00 BASE $23.00 BASE

1. To figure premium: use the rate per $1,000 X the dwelling coverage amount + base.

2. Minimum coverage: $25,000. 3. Rate includes: 50% of Dwelling amount to cover Household Personal Property. 4. Rate includes: 20% of Dwelling amount to cover Additional Living Expense. 5. If additional Household Personal Property is desired, use the dwelling rate,

less the base. 6. HM-88 Inflation Guard applies. 7. RC-90 Household Personal Property Replacement Cost not permitted. 8. RC-106 Dwelling Additional Coverage not permitted. 9. RC-107 Dwelling Replacement Cost not permitted.

10. Modular/manufactured homes of 24 feet or more in width on piers/pillars permitted with an installed manufacturer anchor system. a. Maximum age of modular/manufactured home 15 years. b. Premium is 125% of above rates.

11. Property loss settlement is actual cash value. 12. Liability is not included in premium.

GARAGE RATES

RATE… $6.10 $5.30 $4.60 $4.40


requirement. 3. Property loss settlement is actual cash value. 01/17

40

CUSTOM DWELLING (RC-54) (WITH REPLACEMENT COST / RC-107)

(RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

$50,000 - $99,999 $5.30 $4.50 $4.20 $4.00 $100,000 - $199,999 $4.40 $3.70 $3.40 $3.20 $200,000 + $4.30 $3.60 $3.30 $3.10

1. To figure premium: use the rate per $1,000 X the dwelling coverage amount. 2. Minimum coverage: $50,000. 3. Rate includes: 75% of Dwelling amount to cover Household Personal

Property. 4. Rate includes: 20% of Dwelling amount to cover Additional Living Expense. 5. Rate includes: HM-88 Inflation Guard. 6. Rate includes: RC-90 Household Personal Property Replacement Cost. 7. Rate includes: RC-106 Dwelling Additional Coverage. 8. Rate includes: RC-107 Dwelling Replacement Cost. 9. RC-276 Variable Replacement Cost terms permitted.

10. Modular/manufactured homes of 24 feet or more in width on a permanent foundation permitted. Piers/pillars are not acceptable. Concrete wall installed after the dwelling is set in place not acceptable. a. Maximum age of modular/manufactured home – 15 years. b. Premium is 125% of above rates.

11. No Auto/Home discount the first policy year if a loss control report is issued or an endorsement that limits coverage is applicable.

12. Property loss settlement is replacement cost. 13. Liability is not included in premium.

41

COMMANDER DWELLING (RC-53) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

PROPERTY… $3.60 + $2.80 + $2.30 + $2.10 + $39.00 BASE $23.00 BASE $23.00 BASE $23.00 BASE

1. To figure premium: use the rate per $1,000 X the dwelling coverage amount + base and apply the appropriate discount from Commander Dwelling discount table below.

2. Minimum coverage: $125,000. Maximum age limit 35 years. 3. 100% insurance to value required for new business. 4. Rate includes: 75% of Dwelling amount to cover Household Personal Property.

Includes RC-320 Additional Coverage – Personal Property. 5. Rate includes: 20% of Dwelling amount to cover Additional Living Expense. 6. Dwelling replacement cost, Household Personal Property replacement cost and

HM-318 Extended Dwelling Replacement Cost Coverage are included in premium. These coverages cannot be removed.

7. HM-88 or HM 88C Inflation Guard included in premium. This coverage cannot be removed.

8. Dwelling coverage over $600,000 call Underwriting for approval. 9. Dwelling premium is 105% on existing policies with Commander Dwelling(s) over

35 years old. 10. Property loss settlement is replacement cost. 11. Liability is not included in premium.

COMMANDER DWELLING DISCOUNT TABLE

AGE OF DWELLING IN YEARS DISCOUNT AMOUNT

0-5 7% 6-10 6% 11-15 5% 16-20 4% 21-25 3% 26-30 2% 31-35 0% 36-40 +5%

41+ +10%

42

COMMANDER DWELLING UNDERWRITING GUIDELINES

1. Dwelling minimum coverage amount: $125,000

2. Dwelling minimum coinsurance requirement: 100% based on any industry recognized replacement cost estimating system.

3. Application must be completed in its entirety, giving special attention to

dwelling and roof ages, dimensions, fire protection class and type of construction. Detailed information must be supplied regarding prior carrier and loss history.

4. Loss experience:

a. One dwelling related loss in previous 3 years not to exceed $1,000 and

one non-dwelling related loss in previous 3 years not to exceed $1,000.

b. If the $1,000 claim amount is exceeded due to one catastrophe (windstorm/hail) occurrence, the property will be accepted with a complete new dwelling roof and all other damage repaired. No existing damage to the property allowed.

5. Dwelling age not to exceed 35 years.

6. Must be owner occupied.

7. Duplex permitted with owner occupying one side.

8. Modular homes not permitted.

9. $250 minimum new policy deductible.

10. Must be in excellent condition and well maintained.

43

COMMANDER BUILDER’S RISK POLICY UNDERWRITING GUIDELINES

1. The Commander Dwelling policy provision will be used.

2. The dwelling must be insured to 100% of its completed value at the inception of the policy.

3. The RC-129 Theft of Construction Material Endorsement will be applied with

a minimum of $5,000 coverage for a period of one year. The rate per $1,000 coverage will be $10.00. Additional coverage may be purchased in excess of $5,000.

4. This policy will be written for a period of one year only.

44

POLE CONSTRUCTION HOMES SPECIAL FORM (RC 54/107)

($50,000 - $300,000) (RATES PER $1,000)

COVERAGE $1,000 $2,500 $5,000 $10,000

50,000 7.30 7.10 6.90 6.70

99,999 7.30 7.10 6.90 6.70

100,000 6.90 6.70 6.50 6.30

149,999 6.90 6.70 6.50 6.30

150,000 6.80 6.60 6.40 6.20

199,999 6.80 6.60 6.40 6.20

200,000 6.70 6.50 6.30 6.10

1. To figure premium: use the rate per $1,000 X the dwelling coverage amount.2. Minimum coverage: $50,0003. Maximum coverage: $300,000. Call Underwriting for more information.4. Maximum age limit of Pole Construction Home is 15 years.5. Premium is 125% above rates.6. Rate includes: 75% of Dwelling amount to cover Personal Property.7. Rate includes: 20% of Dwelling amount to cover Loss of Use.8. Rate includes HM 89 or HM 89P Inflation Guard.9. PROPERTY MUST BE INSPECTED PRIOR TO BINDING COVERAGE!10. Property loss settlement is replacement cost.11. Coverage type (ACV or replacement) for attached farm structures to dwelling will

be determined on a case by case basis.12. Rebuilding endorsement (RC 306a) is required.13. Liability is not included in premium.

45

FARM BUILDINGS (RATES PER $1000)

DEDUCTIBLE $250 $500 $1,000 $2,500 “A” CLASS $4.70 $4.10 $3.80 $3.60 “B” CLASS $5.70 $4.70 $4.40 $4.20 “C” CLASS $8.90 $7.10 $6.00 $5.80 “D” CLASS $12.80 $10.90 $9.70 $9.50 “E” CLASS $53.90 $45.60 $40.10 $39.80 GARAGE $5.80 $5.00 $4.30 $4.10

1. To figure premium: use the rate per $1,000 X the coverage amount. 2. “A” Class minimum coverage: $20,000. 80% of replacement cost minimum

requirement. 3. “B” Class minimum coverage: $10,000. 50% of replacement cost minimum

requirement. 4. “C” Class minimum coverage: $6,000. 40% of replacement cost minimum

requirement. 5. “D” Class minimum coverage: $1,000. 25% of replacement cost minimum

requirement. 6. “E” Class minimum coverage: $500. 7. Garage minimum coverage: $3,000. 50% of replacement cost minimum

requirement. 8. Maximum age limit for “A” Class buildings: 20 years. 9. RC-96 Farm Service Building Additional Coverage permitted on “A” and “B”

Class buildings. Minimum “B” Class coverage $10,000. Maximum age limit 30 years.

10. RC-107 Replacement cost permitted on “A” Class buildings. 11. RC-413 Building Broadform permitted on “A” and “B” Class buildings.

Minimum “B” Class coverage: $10,000. 12. RC-135 Weight of Ice, Snow or Sleet permitted on “A,” “B” and “C” Class

buildings. 13. Estimator required for all “A,” “B” and “C” Class buildings. 14. Farm Buildings only policies will be issued if the Farm Buildings are the only

insurable risk(s) on the premises. 15. See Farm Buildings Underwriting Guidelines for additional information.

46

FARM BUILDINGS UNDERWRITING GUIDELINES

CLASS “A”

1. $20,000 minimum coverage.2. Superior in design, construction and state of repair.3. Continuous masonry or concrete foundation under all exterior walls. If pole

construction, the poles must be treated and fastened to a concrete foundationor concrete pads in bottom of postholes.

4. Building must be fully enclosed on no less than three sides.5. 20 years maximum age limit.6. Fully utilized in the farming operation.7. 80% of Replacement Cost minimum requirement.8. RC-96 Farm Service Building - Additional Coverage permitted.9. RC-107 Replacement Cost permitted.

10. HM-88 Inflation Guard required.11. RC-413 Building - Broad Form permitted.12. RC-135 Weight of Ice, Snow or Sleet permitted.13. Farm Building Estimator required.

CLASS “B”

1. $10,000 minimum coverage.2. Good in design, construction and state of repair.3. Continuous masonry or concrete foundation under all exterior walls, if pole

construction, the poles must be treated and fastened to a concrete foundationor concrete pads in bottom of postholes.

4. Building must be fully enclosed on no less than three sides.5. Fully utilized in the farming operation.6. 50% of Replacement Cost minimum requirement.7. RC-96 Farm Service Building - Additional Coverage permitted.

a. $10,000 Minimum Coverageb. 30 years maximum age limit.

8. RC-413 Building - Broad Form permitted.9. RC-135 Weight of Ice, Snow or Sleet permitted.

10. Farm Building Estimator required.

CLASS “C”

1. $6,000 minimum coverage.2. Well-maintained buildings utilized in the farming operation or designed for

another purpose but used for storage, etc.3. 40% of Replacement Cost minimum requirement.4. RC-135 Weight of Ice, Snow or Sleet permitted.

a. $5,000 minimum coverage.b. No existing damage.c. Not permitted on hoop building.

5. Farm Building Estimator required.6. If roof is in poor condition, RC-307 Restrictive Roofing Endorsement required.

47

FARM BUILDINGS UNDERWRITING GUIDELINES (Cont'd)

CLASS “D”

1. $1,000 minimum coverage.2. Building must be maintained.3. 25% of replacement cost minimum requirement.4. RC-413 Building - Broad Form; RC-96 Farm Service Building - Additional

Coverage; and RC-135 Weight of Ice, Snow or Sleet are not permitted.5. Farm Building Estimator required.6. Dilapidated, unused or vacant building will not qualify for coverage.7. If roof is in poor condition, RC-307 Restrictive Roofing Endorsement required.

CLASS “E”

1. $500 minimum coverage.2. Portable building permitted.3. Fiberglass constructed greenhouses permitted.

PROPERTY NOT ELIGIBLE FOR COVERAGE

1. Unanchored single cribs or grain bins.2. Vacant, dilapidated and poorly constructed buildings.3. Plastic covered greenhouses.

48

Grain Bin Replacement Coverage:

Class “A Bin”

1. $40,000 Minimum coverage 2. 15 year maximum age limit ( Note: after 15 years the bin will go back to ACV) 3. Must have the RC-107 added 4. Must have the RC-96 added 5. 100% of Replacement Cost guide ( GMRC) 6. Can ONLY be placed on new business or if a new bin has been installed to a current

policy 7. Can ONLY be placed on a policy with a $1,000, $2,500, $5,000 or $10,000 deductible 8. Superior in design & construction 9. Bin MUST be bolted to the foundation with an approved anchor system provided by the

bin manufacture 10. Replacement coverage can Only can be put on grain bins not grain legs 11. Bin MUST be inspected by HMIC before coverage can be added

(Rates per $1000)

Deductible $1,000 $2,500 $5,000 $10,000

“A Bin” Class

$8.60 $8.40 $8.20 $8.00

Example: (20,000 bushel bin constructed in 2014 with a dryer/fan and a stirator)

20,000 bushels x 2.00= 40,000 + 6,000 for dryer/fan +6,000 for stirator = $52,000 total replacement cost

Currently HMIC uses a 60 year life with a 1.67% depreciation per year

EQUIPMENT BREAKDOWN – FARMOWNERS RATES – ANNUAL PREMIUM

*

INCREASED LIMITS FOR SPOILAGE, DATA RESTORATION, EXPEDITING EXPENSES, & HAZARDOUS SUBSTANCES (RC 4901)

COVERAGE †

LIMIT

$25,000 $50,000 $75,000 $100,000

Spoilage

Included

$31.00

$50.00

$62.00 Data Restoration

Expediting Expenses

Hazardous Substances

Limits greater than $100,000 REFER TO COMPANY

† All categories are required to carry the same sub-limit. *

INCREASED LIMITS FOR ELECTRICAL GENERATING EQUIPMENT (RC 4901)

COVERAGE

LIMIT

$100,000 $100,001 or more

Electrical Generating Equipment Included REFER TO COMPANY

EBF * denotes change 01/14 Multistate 49

OPTIONAL COVERAGES (RC 4903)

COVERAGE LIMIT

Up to $100,000 (Rate per $1,000) $100,001 or Over

Business Income Included REFER TO COMPANY

Extra Expense Included

EQUIPMENT BREAKDOWN COVERAGE FARMOWNERS (RC 4901) FARM BUSINESS PROPERTY DAMAGE

DESCRIPTION

DEDUCTIBLE

$500 $1000 $2500

Class A 50.00 45.00 35.00

Class B 70.00 64.00 50.00

Class C 125.00 114.00 89.00

Class D Rural Dwelling 25.00 N/A N/A

Additional Dwelling(s) 25.00 N/A N/A

Risks that exceed criteria for above classes:

REFER TO COMPANY

50

UNSCHEDULED FARM PERSONAL PROPERTY (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

RATE… $4.30 $3.60 $2.90 $2.70

1. To figure premium: use the rate per $1,000 X the coverage amount. 2. Minimum coverage: $18,000. 3. 100% of actual cash value is required. 4. Livestock maximum limits per head: cattle $2,500; sheep $150; hogs $400;

horses $1,200; other $500. 5. RC-85 Peak Season permitted. Peak Season section of RC-82A Multiple

Endorsement Application must be completed. Applicant signature required. 6. RC-95 Farm Equipment and Machinery Additional Coverage permitted. 7. RC-116 Inventory – Farm Personal Property must be completed, including:

a. Year, make, model, S/N for farm machinery and equipment b. Quantity and value each item for livestock and poultry c. Yield, bushels and price for hay, straw, silage and farm products Applicant signature required.

8. HM-278 Unscheduled Leased or Rented Farm Equipment and Machinery Coverage included.

9. RC-399 Non-Depreciation of Repairs Endorsement included. 10. No licensed stock trailers or recreational vehicles permitted.

.

51

SCHEDULED FARM PERSONAL PROPERTY (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

RATE… $6.10 + $5.10 + $4.50 + $4.30 + $11.00 BASE $11.00 BASE $11.00 BASE $11.00 BASE

1. To figure premium: use the rate per $1,000 X the coverage amount + base. 2. Minimum coverage: $1,000. 3. 100% of actual cash value required. 4. When rating Scheduled Farm Personal Property, group all items together

except ATVs/AMTs and figure premium from the combined total. 5. RC-56 Comprehensive Machinery Coverage permitted. RC-56 section of the

RC-82A Multiple Endorsement Application must be completed. Applicant signature required.

6. RC-87 Scheduled Leased or Rented Farm Equipment and Machinery required for all leased or rented equipment. RC-87 section of the RC-82A Multiple Endorsement Application must be completed. Applicant signature required.

7. RC-399 Non-Depreciation of Repairs Endorsement included. 8. When listing specified farm machinery and equipment, indicate the year,

make, model and serial number.

SCHEDULED FARM ALL TERRAIN VEHICLE / ALL MATERIAL TRANSPORT VEHICLE

RATE… $8.60 $7.50 $6.90 $6.70

1. To figure premium: use the rate per $1,000 X the coverage amount. 2. When listing specified farm ATV/AMT, indicate the year, make, model, CCs

and serial number. 3. Property loss settlement is actual cash value. 4. Liability is not included in premium.

52

FARMATE ADDITIONAL COVERAGES (RATES PER $1000)

DEDUCTIBLE $250 $500 $1,000 $2,500

OUTSIDE NO CHARGE FOR FIRST $1,000 COVERAGE WIRING $ 7.10 $ 6.20 $ 5.50 $ 5.30

SUBMERSIBLE NO CHARGE FOR FIRST $1,000 COVERAGE PUMPS $ 6.70 $ 5.60 $ 4.50 $ 4.30

DEEP & SHALLOW NO CHARGE FOR FIRST $1,000 COVERAGE WELL PUMPS $ 5.40 $ 4.70 $ 4.30 $ 4.10

*CENTER PIVOT/LATERAL MOVEIRRIGATION EQUIPMENTRATE… N/A $19.60 $16.90 $15.70

WIND CHARGERS TOWERS & EQUIPMENT $18.00 $16.00 $14.00 $12.00

SWIMMING POOL $ 6.50 $ 5.80 $ 5.10 $ 4.90

1. To figure premium, use the combined rate per $1,000 X the coverage amount.2. RC-272A Application for Steel Silo Endorsement required.

*MUST BE WRITTEN AS A SEPARATE POLICY WITH SUPPORTING INSURANCE.

TV ANTENNAS $ 58.50 $51.90 $46.00 $45.80

STEEL SILOS $ 2.70 $ 2.50 $ 2.20 $ 2.00

53

COUNTRY HOME PROGRAM

ELIGIBILITY:

1. Dwelling must meet underwriting requirements for Custom Dwelling (withreplacement cost) or Commander Dwelling.

2. Minimum Farm Personal Property: $1,000.3. Maximum Farm Personal Property: $60,000.4. Maximum of 100 acres.5. Only an incidental farming operation conducted on the premises.

LIABILITY:

1. Country Home FarmGuard liability is issued at a reduced premium when inconjunction with the property coverages outlined above.

2. No discount(s) may be applied.

COUNTRY HOME UNSCHEDULED FARM PERSONAL PROPERTY

(RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

RATE… $4.30 $3.65 $3.15 $2.95

1. To figure premium: use the rate per $1,000 X the coverage amount.2. Minimum mandatory coverage: $1,000.3. Maximum coverage: $60,000.4. 100% of actual cash value is required.5. Livestock maximum limits per head: cattle $2,500; sheep $150; hogs $400;

horses $1,200; other $500.6. 100 acres (or less) to qualify for the Country Home option.7. Dwelling package of $40,000 minimum coverage required for the Country

Home option.8. RC-116 Farm Personal Property Inventory must be completed. Applicant

signature required.9. HM-278 Unscheduled Leased or Rented Farm Equipment and Machinery

Coverage included.10. RC-399 Non-Depreciation of Repairs Endorsement included

54

FARM-GUARD MANUAL ILLINOISFARM COMPREHENSIVE PERSONAL LIABILITY RATE SCHEDULE – COMBINED SINGLE LIMIT

GMRC FG 01/16 FG-R-1IL Rates

BASIC COVERAGES

A & B Liability and Medical Payments to the Public C & D Liability and Medical Payments to Farm Employees Damage to Property of Others

PUBLIC & EMPLOYERS’ LIABILITY LIMITS (A minimum of $500 Med and $250 PDP also required.)

Limits of Liability 50,000 100,000 300,000 500,000 1,000,000

Initial Farm Residence up to 240 Acres included Public BI/PD – Required ...................................................... $69.15 $84.84 $104.95 $132.90 $173.11

Acreage Over 240 Acres (Per Acre) ............................... 0.07 0.12 0.13 0.15 0.16Acreage Over 640 Acres (Per Acre) ............................... 0.02 0.03 0.04 0.05 0.06

PDP:$250 – Required Minimum ......................................... 4.16 4.16 4.16 4.16 4.16

$500 ............................................................................ 6.93 6.93 6.93 6.93 6.93 $1,000 ............................................................................ 11.09 11.09 11.09 11.09 11.09 $5,000 ............................................................................ 16.64 16.64 16.64 16.64 16.64 $10,000 ............................................................................ 23.57 23.57 23.57 23.57 23.57 $15,000 ............................................................................ 30.51 30.51 30.51 30.51 30.51 $20,000 ............................................................................ 37.44 37.44 37.44 37.44 37.44 $25,000 ............................................................................ 44.37 44.37 44.37 44.37 44.37 Each additional $5,000 limit add ..................................... 5.00 5.00 5.00 5.00 5.00

Medical Payments to Public: $500 – Required Minimum ......................................... 5.20 5.20 5.20 5.20 5.20

$1,000 ............................................................................ 8.67 8.67 8.67 8.67 8.67 $2,000 ............................................................................ 13.87 13.87 13.87 13.87 13.87 $5,000 ............................................................................ 22.53 22.53 22.53 22.53 22.53 $10,000 ............................................................................ 31.20 31.20 31.20 31.20 31.20 $15,000 ............................................................................ 40.14 40.14 40.14 40.14 40.14 $20,000 ............................................................................ 45.86 45.86 45.86 45.86 45.86 $25,000 ............................................................................ 50.96 50.96 50.96 50.96 50.96

Employers’ BI: 0 to 1 man-months – Required Minimum ........................ 19.64 26.91 34.18 36.36 47.27 2 to 6 man-months add ................................................... 41.24 56.51 71.78 76.36 99.27 7 to 12 man-months add ................................................. 61.87 84.77 107.67 114.53 148.90 13 to 18 man-months add ............................................... 72.18 98.89 125.61 133.62 173.72 19 to 24 man-months add ............................................... 82.49 113.02 143.56 152.71 198.53 25 to 36 man-months add ............................................... 92.80 127.15 161.50 171.80 223.35 37 to 48 man-months add ............................................... 103.11 141.28 179.45 190.89 248.17 Number of Hired Persons x Number of Months

= Man-months of Hired Help Medical Payments to Employees:

$500 – Required Minimum ......................................... 6.93 6.93 6.93 6.93 6.93 $1,000 ............................................................................ 11.55 11.55 11.55 11.55 11.55 $2,000 ............................................................................ 18.48 18.48 18.48 18.48 18.48 $5,000 ............................................................................ 30.03 30.03 30.03 30.03 30.03 $10,000 ............................................................................ 41.58 41.58 41.58 41.58 41.58 $15,000 ............................................................................ 53.50 53.50 53.50 53.50 53.50 $20,000 ............................................................................ 61.12 61.12 61.12 61.12 61.12 $25,000 ............................................................................ 67.91 67.91 67.91 67.91 67.91 Country Home Residence ................................................... 35% Discount to the Basic Coverages

Up to 100 acres including 1 man-month employee labor Farm-Guard Premium


GMRC FG * denotes change01/17 FG-R-2IL Rates

OPTIONAL COVERAGES


Additional Farm Residence ....................................................................... 7.00 9.00 10.00 11.00 12.00

Add’l Insured – Limited(Wind Turbine/Cell Phone Tower) – GMRC 4300 Initial Tower Lessee ............................................................................. 45.00 52.00 57.00 62.00 71.00 Subsequent Tower Lessees ................................................................ 22.00 25.00 27.00 29.00 32.00

Additional Named Insured (per entity) ...................................................... 6.00 7.00 9.00 10.00 11.00

Add’l Interest Insured (Limited, per entity) – GMRC 1023 ........................ 3.00 4.00 4.00 5.00 5.00

* Additional Insured – Limited(Electric Utility for Your Solar Panel System) – GMIL 4672 ...................... 45.00 52.00 57.00 62.00 71.00

* Additional Insured (Limited) – Special Event – GMIL 4749 ....................... 20.00 25.00 30.00 35.00 50.00

Additional Insured – Primary and Non-Contributory – GMIL 4629 ............ $75 per entity

Additional Residence Maintained by Insured (Cabins) ............................. 5.00 6.00 7.00 9.00 10.00

Agricultural Custom Spraying (Limited Liability Coverage) – GMRC 2297 Up to $40,000 Gross Receipts ............................................................. 325.00 383.00 516.00 604.00 754.00 $40,001 to $80,000 Gross Receipts..................................................... 406.00 478.00 645.00 755.00 942.00 $80,001 to $120,000 Gross Receipts................................................... 475.00 559.00 755.00 883.00 1,102.00

Agricultural Excavation and Tiling Coverage – GMRC 4312R Up to $40,000 Gross Receipts ............................................................. 507.00 597.00 716.00 788.00 866.00 $40,001 to $80,000 Gross Receipts..................................................... 634.00 746.00 895.00 985.00 1,082.00

Animal Waste Liability Loss of Use Coverage – GMRC 2294 (rates are per location)

Capacity up to 2,499 ............................................................................ 100.00 125.00 175.00 200.00 250.00 Capacity of 2,500 and above ............................................................... 200.00 250.00 350.00 400.00 500.00

‡ Contract Grower Limited Liability – GMRC 2295 0 to 1,200 Total Livestock Capacity ............................................ 375.00 469.00 563.00 638.00 750.00

1,201 to 4,800 Total Livestock Capacity ............................................ 500.00 625.00 750.00 850.00 1,000.00 4,801 to 9,600 Total Livestock Capacity ............................................ 625.00 781.00 938.00 1,063.00 1,250.00 9,601 to 14,400 Total Livestock Capacity ............................................ 675.00 844.00 1,013.00 1,148.00 1,350.00 For Each Additional 10,000 of Total Livestock Capacity ...................... 25.00 32.00 38.00 43.00 50.00

Contract Grower Liability Coverage for Confined Animals – GMRC 4308 Refer to Page FG-R-4

* Broad Contractual Liability Coverage – GMRC 2262 ............................... 19.00 21.00 23.00 24.00 27.00

Custom Farming Coverage – GMRC 2260 $ 5,000 to $ 10,000 Gross Receipts .............................................. 34.00 36.00 43.00 53.00 60.00 $ 10,001 to $ 30,000 Gross Receipts .............................................. 53.00 58.00 78.00 83.00 94.00 $ 30,001 to $ 50,000 Gross Receipts .............................................. 64.00 71.00 96.00 100.00 113.00 $ 50,001 to $ 75,000 Gross Receipts .............................................. 83.00 90.00 115.00 128.00 140.00 $ 75,001 to $ 150,000 Gross Receipts .............................................. 131.00 143.00 176.00 194.00 211.00 $150,001 to $ 250,000 Gross Receipts .............................................. 221.00 240.00 300.00 324.00 360.00

Custom Feeding Limited Liability Coverage – GMRC 2261 $ 5,000 to $ 150,000 Gross Receipts .............................................. 28.00 32.00 36.00 40.00 47.00 $150,001 to $ 300,000 Gross Receipts .............................................. 42.00 62.00 66.00 82.00 86.00 $300,001 to $ 600,000 Gross Receipts .............................................. 55.00 82.00 86.00 108.00 113.00 $600,001 to $ 900,000 Gross Receipts .............................................. 70.00 103.00 109.00 136.00 143.00 For each Additional $100,000 of Gross Receipts ................................. 4.30 6.20 6.60 8.40 8.60

When an Optional Coverage provides for Medical Payments Coverage, the medical payment limit selected for the Basic Coverages will apply.

‡ Effective 10/01/2014 – GMRC 2295 is no longer available for New or Renewal business.



OPTIONAL COVERAGES (Cont’d.)


Custom Manure Contractors Limited Liability Coverage (No Suffocation Coverage for Livestock or Poultry) – GMRC 4313

Up to $40,000 Gross Receipts ............................................................ 446.00 525.00 630.00 693.00 761.00 $40,001 to $80,000 Gross Receipts .................................................... 558.00 656.00 787.00 866.00 951.00

Custom Manure Contractors Limited Liability Coverage (With Coverage for Livestock or Poultry Including Suffocation) – GMRC 4314

Up to $40,000 Gross Receipts ............................................................ 666.00 784.00 941.00 1,035.00 1,137.00 $40,001 to $80,000 Gross Receipts .................................................... 778.00 915.00 1,098.00 1,208.00 1,327.00

Deletion of Bodily Injury to An Insured Exclusion – GMRC 1026 ............. 35.00 48.00 61.00 73.00 85.00

Employee Occupational Liability Coverage – GMRC 1021 Clerical ................................................................................................ 3.00 4.00 5.00 5.00 6.00 Salesmen ............................................................................................ 5.00 5.00 6.00 7.00 9.00

Teachers (Coaches, Laboratory, Shop)............................................... 10.00 11.00 12.00 13.00 14.00 All Other Teachers .............................................................................. 6.00 7.00 9.00 10.00 11.00

NOC .................................................................................................... 5.00 5.00 6.00 7.00 9.00 * Farm-Guard Plus – GMRC 4320 .............................................................. NA NA 100.00 100.00 100.00 * Farm-Guard Premier – GMRC 4321 ........................................................ NA NA NA 200.00 200.00

Home Day Care Provider Coverage – GMRC 2246 IL ............................. 64.00 77.00 89.00 102.00 115.00 Horse Boarding Coverage – GMIL 4777 .................................................. 150.00 162.00 197.00 225.00 312.00 Hunting and Fishing Coverage – GMRC 2252 ......................................... 80.00 107.00 128.00 144.00 154.00 Liability Coverage for Unmanned Aircraft Systems – GMRC 4310 .......... $15 per UAS

* Non-Owned Livestock Suffocation Coverage – GMRC 4309 ................... Refer to Page FG-R-4 Residential Rental Property Coverage – GMRC 1037 (per building)

One or Two Family .............................................................................. 22.00 27.00 32.00 35.00 43.00 Three Family ....................................................................................... 28.00 34.00 40.00 44.00 54.00 Four Family ......................................................................................... 33.00 41.00 48.00 53.00 65.00

Seed Sales – Limited Liability Coverage – GMRC 4311R Up to $40,000 Gross Commissions ..................................................... 47.00 55.00 66.00 73.00 80.00 $40,001 to $80,000 Gross Commissions............................................. 71.00 83.00 100.00 110.00 120.00

Select Recreational Vehicle Limited Liability Coverage – GMRC 2332 IL(rates are per unit)

ATVs <= 600 cc ................................................................................... 47.25 50.46 58.07 71.40 77.75 ATVs > 600 cc ..................................................................................... 51.54 55.22 62.83 78.54 86.49

AMTs ................................................................................................... 47.25 50.46 58.07 71.40 77.75 Golf Carts ............................................................................................ 42.38 45.26 52.09 64.05 77.75

Outboard 51 – 75 HP .......................................................................... 6.00 7.00 11.00 12.00 20.85 Outboard 76 – 125 HP ........................................................................ 9.00 10.00 12.00 18.00 27.28

Outboard over 125 HP......................................................................... 14.00 15.00 17.00 28.00 37.99 Inboard or I/O <= 40 MPH ................................................................... 13.00 15.00 19.00 28.00 43.00 Inboard or I/O > 40 MPH ..................................................................... 18.00 20.00 24.00 38.00 55.50

Town Residence Occupied by Insured ..................................................... 9.00 10.00 11.00 12.00 13.00

Waterbed Liability Coverage – GMRC 1915 ............................................ 19.00 21.00 23.00 24.00 29.00

* Medical Payments for Insured Persons – GMRC 2257 500 1,000 2,000 5,000 10,000Each Person ($100 Deductible) ........................................................... 25.00 32.00 38.00 43.00 49.00

Liability Loss Assessment Coverage Increased Limits – GMIL 4772

1,000 5,000 10,000 15,000 20,000 25,000 50,000 Liability Coverage ....................... Included 3.00 5.00 6.00 7.00 8.00 13.00

When an Optional Coverage provides for Medical Payments Coverage, the medical payment limit selected for the Basic Coverages will apply.



OPTIONAL COVERAGES (Cont’d.)

CONTRACT GROWERS COVERAGE

GMRC 4308 – CONTRACT GROWER LIABILITY COVERAGE FOR CONFINED ANIMALS

COVERAGE A (Policy Occurrence Limit) CAPACITY FACTORS DEDUCTIBLE

FACTORS ALARM

PROTECTION FACTORS

Limit Base Rate Capacity Factor Deductible Factor Type Factor 100,000 180.00 1 – 600 1.000 1,000 1.400 Full 1.000 300,000 210.00 601 – 1,200 1.100 2,500 1.150 Partial 1.350 500,000 240.00 1,201 – 2,400 1.450 5,000 1.000

1,000,000 280.00 2,401 – 3,600 2.000 10,000 0.850 3,601 – 4,800 3.330 25,000 0.750

4,801 – 9,600 4.500 9,601 – 14,400 5.800

14,401 – 19,400 7.500 19,401 – 24,400 8.600

24,401 + 9.900

GMRC 4309 – NON-OWNED LIVESTOCK SUFFOCATION COVERAGE

Requires: Contract Grower Liability Coverage for Confined Animals (GMRC 4308)

RATE PER BUILDING DEDUCTIBLE FACTORS

ALARMPROTECTION

FACTORS Special Limit † Base Rate Special Limit † Base Rate Deductible Factor Type Factor

50,000 239.00 450,000 1,125.00 1,000 1.400 Full 1.000 100,000 407.00 500,000 1,250.00 2,500 1.150 Partial 1.350 150,000 519.00 550,000 1,375.00 5,000 1.000200,000 588.00 600,000 1,500.00 10,000 0.850 250,000 625.00 650,000 1,625.00 25,000 0.750 300,000 750.00 700,000 1,750.00

350,000 875.00 750,000 1,875.00

400,000 1,000.00

† Special Limit is a livestock special limit that applies on a per building basis.

*



BUSINESS ACTIVITIES COVERAGE

Classification 50,000 100,000 300,000 500,000 1,000,000

Antique Shop on premises .................................................. 25.00 28.00 32.00 35.00 43.00

Appliance Repair ................................................................. 31.00 35.00 40.00 44.00 53.00

Bait Shop on premises......................................................... 25.00 28.00 32.00 35.00 43.00

Beauty or Barber Shop ........................................................ 25.00 28.00 32.00 35.00 43.00

Building(s) owned by insured and leased to 3rd party for commercial purposes (lessor’s risk only) ................... 31.00 35.00 40.00 44.00 53.00

Cabinet/Handicraft Shop on premises ................................. 25.00 28.00 32.00 35.00 43.00

Carpentry – odd jobs ........................................................... 25.00 28.00 32.00 35.00 43.00

Custom Corn Shelling .......................................................... 25.00 28.00 32.00 35.00 43.00

Farm Product Salesman ...................................................... 25.00 28.00 32.00 35.00 43.00

Incidental Retail/Service N.O.C. .......................................... 25.00 28.00 32.00 35.00 43.00

Landscaping – laying out nursery grounds, planting trees, flowers and lawns – excludes tree trimming, bulldozing, and excavations. ........................................... 25.00 28.00 32.00 35.00 43.00

* Limited Off-Premises – Power Appliances for Hire ............. 25.00 28.00 32.00 35.00 43.00

Office/Studio ........................................................................ 15.00 17.00 20.00 22.00 28.00

Refreshment stands (not restaurants) – serving nonalcoholic beverages or food for consumption on premises – includes product liability ........................... 31.00 35.00 40.00 44.00 53.00

Sewing/Upholstery Shop ..................................................... 25.00 28.00 32.00 35.00 43.00

Shearing Sheep ................................................................... 25.00 28.00 32.00 35.00 43.00

Taxidermy ............................................................................ 25.00 28.00 32.00 35.00 43.00

Use of Tractor – commercial for snow removal, plowing gardens, – includes coverage for use of attachments .... 25.00 28.00 32.00 35.00 43.00

Use form number GMRC 1031. Coverage includes products liability and medical payments. Total receipts must be indicated on the application. They cannot exceed $40,000.


GMRC FG 01/16 FG-R-6IL Rates

OPTIONAL DISCOUNTS

DISCOUNTS

Discounts are applied to the calculated Farm-Guard premium, except where noted.

Farm Premises and Operations Limited Liability Coverage (GMRC 2271) 15%

Livestock Exclusion Endorsement (GMRC 2229) 20%

Non-Occupied Landlord’s Liability Limitation (GMRC 2233) 50%

Owner-Occupied Landlord’s Liability Limitation (GMRC 2259) 35%

SEASONAL DWELLING (RC-59-1) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

DWELLING $19.50 + $16.00 + $13.30 + $13.10 + $15.00 BASE $15.00 BASE $15.00 BASE $15.00 BASE

PERSONAL PROPERY $19.50 $16.00 $13.30 $13.10


2. For seasonal mobile homes, use the Mobile Home (Owner Occupied) rate.3. Minimum dwelling coverage: $6,000.4. Maximum dwelling coverage: $75,000.5. Personal Property Coverage not to exceed 10% of dwelling amount. List with

value for each item required.6. RC-306 Rebuilding Endorsement mandatory. Applicant signature required.7. Theft, vandalism and malicious mischief coverage not permitted.8. RC-107 Dwelling Replacement Cost not permitted.9. RC-106 Dwelling Additional Coverage not permitted.

10. RC-412 Dwelling and Household Personal Property Broadform not permitted.11. RC-90 Household Personal Property Replacement Cost not permitted.12. Supporting insurance required.13. Property loss settlement is actual cash value.14. Liability not included in premium.

01/17 61

RENTED DWELLING (RC-59 OR RC-41P) (Town, Farm and Rural) (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

“A” CLASS $6.20 $5.10 $4.10 $3.90 + $10.00 BASE

“B” CLASS $7.30 $6.10 $5.10 $4.90 + $10.00 BASE

“C” CLASS $13.50 $10.80 $9.10 $8.90 + $10.00 BASE

“D” CLASS $21.40 $17.70 $14.70 $14.50 + $10.00 BASE

OTHER STRUCTURES “A” CLASS $6.20 $5.80 $4.10 $3.90 “B, C or D” CLASS $7.90 $6.80 $6.00 $5.70


2. For “A” Class Other Structures over 10% and “B,” “C,” “D” Class OtherStructures, use the above Other Structures rate.

3. Loss of Rents: use dwelling rate per $1,000 excluding the base.4. Personal Property Rented to Others: use dwelling rate per $1,000 excluding

the base.5. If the dwelling qualifies for RC-107 Replacement Cost, add $50.00 to premium.6. RC-412 Broadform rate: $.50 per $1,000 coverage. Broadform must also

apply to Personal Property if shown.7. Property loss settlement is actual cash value.8. See Rented Dwelling Underwriting Rules for further information.9. Liability is not included in premium.

01/17 62

RENTED DWELLING UNDERWRITING RULES

CLASS "A" $250 DEDUCTIBLE MINIMUM

1. $80,000 minimum coverage.2. Excellent condition and housekeeping.3. 30 year dwelling maximum age limit.4. RC-107 Dwelling Replacement Cost permitted.

a. HMIC-89 Inflation Guard required.5. RC-412 Dwelling & Household Personal Property Broadform permitted.6. Dwelling must be insured to 80% of replacement cost.7. 10% Other Structures coverage included in dwelling premium for RC-59 only.

CLASS “B" $250 DEDUCTIBLE MINIMUM

1. $50,000 minimum coverage.2. Dwelling must be in overall good condition and insured for 100% of actual

cash value.3. RC-412 Dwelling & Household Personal Property Broadform permitted.4. If dwelling is older than 50 years, the electrical wiring and heating must have

been updated in the last 20 years.

CLASS “C" $250 DEDUCTIBLE MINIMUM

1. $30,000 Minimum coverage.2. Dwelling must be in overall good condition and insured for 80% of actual cash

value.3. RC-412 Dwelling & Household Personal Property Broadform permitted.

CLASS “D” $250 DEDUCTIBLE MINIMUM

1. $20,000 Minimum coverage.2. RC-306 Rebuilding Endorsement required. Applicant signature required.3. RC-412 Dwelling & Household Personal Property Broadform not permitted.

63

OWNERS, LANDLORDS, AND TENANTS MANUAL ILLINOIS RATE SCHEDULE

LIABILITY BI/PD – Per Dwelling

DWELLING TYPE LIMITS

100,000 300,000 500,000 1,000,000

One or Two Family .................................................................... 29.00 34.00 37.00 46.00

Three Family.............................................................................. 36.00 42.00 47.00 57.00

Four Family................................................................................ 43.00 51.00 56.00 69.00

MEDICAL BI/PD – Per Dwelling

DWELLING TYPE LIMITS

1,000 2,000 5,000 10,000

One or Two Family .................................................................... 7.00 10.00 14.00 17.00

Three Family.............................................................................. 12.00 15.00 21.00 25.00

Four Family................................................................................ 16.00 20.00 29.00 34.00

OPTIONAL ENDORSEMENTS

FORM NO. FORM TITLE LIMITS

100,000 300,000 500,000 1,000,000

GMRC 1922 Additional Insured (Limited) ........................ N/C N/C N/C N/C

GMRC 1923 Additional Premises .................................... 5.43 6.01 6.46 8.16

GMRC 1924 Construction Permit .................................... 6.50 7.23 7.72 9.80

GMRC OLT 01/12 IL 64

GRANGES / MEETING HALLS / CHURCHES (RATES PER $1,000)

DEDUCTIBLE $250 $500 $1,000 $2,500

BUILDING $7.80 + $6.50 + $5.30 + $5.10 + $34.00 BASE $34.00 BASE $34.00 BASE $34.00 BASE

CONTENTS $6.60 $5.70 $4.60 $4.40

1. To figure premium, use the combined rate per $1,000 X the coverage amount + base.

2. Minimum building coverage: $10,000. 3. Minimum contents coverage: $4,000. 4. RC-107 Replacement Cost not permitted. 5. RC-412 Dwelling and Household Personal Property Broadform not permitted. 6. RC-90 Household Personal Property Replacement Cost not permitted. 7. Property loss settlement is actual cash value. 8. Liability is not included in premium.

65

EARTHQUAKE EXTENSION ENDORSEMENT MANUAL MULTISTATE ILLINOIS, INDIANA, MISSOURI (PART 1 COMPANIES) AND OHIO

RATE PAGE

The following rates apply to the property insured on the Earthquake Extension Coverage endorsement (RC 130D).

ZONE and PROPERTY DESCRIPTION

RATE PER $1,000

10% Deductible 15% Deductible 20% Deductible 25% Deductible

Zones 2 & 3 (N/A for IN & OH)

Dwellings

Frame Brick Frame Brick Frame Brick Frame Brick

.91 1.18 .68 .90 .54 .72 .41 .53

Other Structures .91 1.18 .68 .90 .54 .72 .41 .53

Contents (non-packaged policies) .61 .79 .45 .60 .37 .48 .27 .35

Farm Personal Property (All Construction) .61 .45 .37 .27

Farm Service Building/Specifically Described Structure (All Construction)

.91

.68

.54

.41

Zone 4 Dwellings

.53

.70

.41

.53

.32

.42

.24

.31

Other Structures .53 .70 .41 .53 .32 .42 .24 .31


Farm Personal Property (All Construction)

.35

.26

.20

.16

Farm Service Building/Specifically Described Structure (All Construction) .53 .41 .32 .24

Zone 5 Dwellings

.38

.49

.28

.37

.23

.29

.17

.22

Other Structures .38 .49 .28 .37 .23 .29 .17 .22


Farm Personal Property (All Construction)

.26

.19

.15

.11

Farm Service Building/Specifically Described Structure (All Construction)

.38

.28

.23

.17

EEE-D 01/12 Multistate 66

,, I '

Illinois Mine Subsidence Insurance Fund November, 201 2

Circular 03 (11/2012) Residential Rate Schedule

Coverage and Premium Schedule for Residential Property Rates effective July 1, 2013

Coverage Limit Premium Coverage Limit Premium

10,000 19 380,001 UP TO 390,000 124 10,001 UP TO 20,000 22 390,001 400,000 127 20,001 30,000 24 400,001 410,000 129 30,001 40,000 27 410,001 420,000 132 40,001 50,000 30 420,001 430,000 135 50,001 60,000 33 430,001 440,000 138 60,001 70,000 35 440,001 450,000 141 70,001 80,000 38 450,001 460,000 143 80,001 90,000 41 460,001 470,000 146 90,001 100,000 44 470,001 480,000 149

100,001 110,000 46 480,001 490,000 152 110,001 120,000 49 490,001 500,000 154 120,001 130,000 52 500,001 510,000 157 130,001 140,000 55 510,001 520,000 160 140,001 150,000 58 520,001 530,000 163 150,001 160,000 60 530,001 540,000 165 160,001 170,000 63 540,001 550,000 168 170,001 180,000 66 550,001 560,000 171 180,001 190,000 69 560,001 570,000 174 190,001 200,000 71 570,001 580,000 177 200,001 210,000 74 580,001 590,000 179 210,001 220,000 77 590,001 600,000 182 220,001 230,000 80 600,001 610,000 185 230,001 240,000 82 610,001 620,000 188 240,001 250,000 85 620,001 630,000 190 250,001 260,000 88 630,001 640,000 193 260,001 270,000 91 640,001 650,000 196 270,001 280,000 94 650,001 660,000 199 280,001 290,000 96 660,001 670,000 201 290,QOl 3QO,OOci 99 670,001 680,pop 204 300,001 310,000 102 680,001 690,000 207 310,001 320,000 105 690,001 700,000 210 320,001 330,000 107 700,001 710,000 212 330,001 340,000 110 710,001 720,000 215 340,001 350,000 113 720,001 730,000 218 350,001 360,000 116 730,001 740,000 221 360,001 370,000 118 740,001 750,000 224 370,001 380,000 121

$18.80 for the first $10,000 of coverage Plus $2.77 for each additional $10,000 or fraction thereof, up to $750,000

67

heartland mutual insurance...

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