ho program manual

United Property & Casualty Insurance Company

TEXAS HOMEOWNER PROGRAM MANUAL

NB Eff 1/1/2019 - RB Eff 2/28/2019 1 Ed. 08/22/2018

HOMEOWNERS PROGRAM MANUAL

TEXAS

New Business Effective 1/1/2019

Renewal Business Effective 2/28/2019

UNITED INSURANCE MANAGEMENT, LLC

Managing General Agent



NB Eff 1/1/2019 - RB Eff 2/28/2019 1 Ed. 08/22/2018

GENERAL RULES Rule 100. Coverage Limits 100-1 Rule 105. Binding Authority 105-1 Rule 110. Cancellation or Reduction in Limits of Liability or Coverage 110-1 Rule 115. Construction Definitions 115-1 Rule 120. Minimum Premium 120-1 Rule 125. Multiple Company Insurance 125-1 Rule 130. Policy Term 130-1 Rule 135. Premium Calculation 135-1 Rule 140. Previous Cancellations / Non-Renewals 140-1 Rule 145. Protection Class Information 145-1 Rule 150. Renewal 150-1 Rule 155. Insurable Interests 155-1 Rule 160. Transfer or Assignment 160-1 Rule 165. Waiver of Premium 165-1 Rule 170. Occupancy 170-1 Rule 175. Additional Fees and Credits 175-1 Rule 180. Mandatory Endorsements 180-1

LIMITS AND DEDUCTIBLES Rule 200. Coverage A – Dwelling 200-1 Rule 210. Coverage B – Other Structures 210-1 Rule 220. Coverage C – Personal Property 220-1 Rule 230. Coverage D – Loss of Use 230-1 Rule 240. Section II Limits 240-1 Rule 250. Deductibles 250-1

PAYMENT PLANS & PAYMENT TYPE DISCOUNTS Rule 300. Payment Plans 300-1 Rule 310. Payment Type Discount 310-1

DISCOUNTS & SURCHARGES Rule 400. Maximum Discounts 400-1 Rule 410. Age of Home 410-1 Rule 420. Age and Marital Status of Named Insured 420-1 Rule 440. Companion Policy Discount 440-1 Rule 460. Hip Roof Discount 460-1 Rule 470. IBHS / WPI-8 Discount 470-1 Rule 480. Limited Water Damage Coverage 480-1 Rule 490. Non-Structural Hail Loss Limitation Endorsement 490-1 Rule 500. Number of Stories 500-1 Rule 510. Roof Age 510-1 Rule 511. Roof Material 511-1 Rule 520. Fire Protective Devices Discount 520-1 Rule 530. Secured Community / Theft Discount 530-1 Rule 540. Wind Opening Protection 540-1 Rule 550. Windstorm or Hail Exclusion 550-1 Rule 580. Open Foundation Surcharge 580-1 Rule 590. Wood Burning Stove Surcharge 590-1

ADDITIONAL COVERAGE OPTIONS



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Rule 600. Additional Amounts of Coverage A 600-1 Rule 610. Animal Liability Buyback Endorsement 610-1 Rule 631. Home Systems Protection 610-1 Rule 632. Service Line 632-1 Rule 640. Functional Replacement Cost Loss Settlement 640-1 Rule 650. Golf Cart – Physical Damage & Liability Coverage 650-1 Rule 660. Home Computer Coverage 660-1 Rule 671. Identity Theft Expense & Resolution Services Coverage 660-1 Rule 680. Inflation Guard 680-1 Rule 690. Limited Fungi or Microbes Coverage 690-1 Rule 700. Limited Water Back-Up and Sump Discharge or Overflow Coverage 700-1 Rule 710. Ordinance or Law Coverage 710-1 Rule 720. Other Insured Location Occupied By Insured 720-1 Rule 730. Other Members of a Named Insured’s Household 730-1 Rule 740. Other Structures – Increased Limits 740-1 Rule 750. Other Structures Rented to Others – Residence Premises 750-1 Rule 760. Outboard Motors & Watercraft 760-1 Rule 770. Personal Injury Coverage 770-1 Rule 780. Personal Property – Increased Special Limits of Liability 780-1 Rule 790. Personal Property Replacement Cost Loss Settlement 790-1 Rule 800. Personal Property Scheduled 800-1 Rule 810. Premier Endorsement 810-1

Premier Endorsement – Forms HO 03 and HO 05 810-2 Rule 820. Premier Plus Endorsement 820-1

Ultra Endorsement – Forms HO 03 and HO 05 820-3 Rule 830. Premier Condominium Endorsement 830-1

Premier Protective Condominium Endorsement – HO 06 Only 830-2 Rule 840. Refrigerated Personal Property 840-1 Rule 850. Unit-Owners Rental to Others 850-1 Rule 860. Residence Held In Trust 860-1 Rule 870. Special Coverage 870-1 Rule 880. Student Away from Home 880-1 Rule 890. Supplemental Loss Assessment Coverage 890-1 Rule 910. Damage To Property of Others Increased Limits 910-1 Rule 920. Additional Residence Rented to Others 920-1 Rule 930. Dwelling Foundation Coverage 930-1 Rule 940. Residence Employees 940-1 Rule 945. Water Damage Coverage 945-1

RATING TIER Rule 950. Rating Tier Determination 950-1 Rule 960. Tier Factors 960-1

PREMIUM COMPUTATION Rule 1010. Base Rates 1010-1 Rule 1020. Policy Form Rating Factor 1020-1 Rule 1030. Protection Class / Construction Factors 1030-1 Rule 1040. Key Factors 1040-1

HO 03 & HO 05 1040-1 HO 04 1040-2 HO 06 1040-0

TERRITORY



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Rule 1100. Territory Definitions and Rate Factors 1100-1 All Other Perils Territory Relativities 1100-1 Territory Definitions 1100-3 Hurricane Territory Relativities 1100-12 Distance to Coast ZIP Code Relativities 1100-13 HO 06 Distance to Coast ZIP Code Relativities 1100-45 Tornado / Hail ZIP Code Relativities 1100-77 HO 06 Tornado/Hail ZIP Code Relativities 1100-90

RULE INDEX



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-100-1 Ed. 08/22/2018

GENERAL RULES

Rule 100. COVERAGE LIMITS

Coverage HO 03 & HO 05 HO 04 HO 06 See Rule

A – Dwelling* $1,000,000*

Policy includes 10% of Coverage C for Building Additions

& Alterations

$5,000 Coverage A to $1,000,000

Coverage A and C combined

200

B – Other Structures

2%, 10%, 15% and 20% of Coverage A.

Additional limits available beyond 10%

n/a n/a 210, 740

C – Contents 0% to 75% of Coverage

A $10,000 to $150,000*

$10,000 to $500,000*

220

D – Loss of Use 10%, 20% or 30% of

Coverage A 30% of Coverage C

20%, 30%, 40%, 50% or 60% of

Coverage C 230

E – Personal Liability $100,000, $300,000 or $500,000 240

F – Medical Payments $1,000, $2,500 and $5,000 240

*Limits in excess of maximum value must be approved by underwriting prior to binding.



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Rule 105. BINDING AUTHORITY

A risk is not considered bound until a policy is issued in our rating system. UPC does not permit ACORD binders. Risk must meet the Eligibility/Underwriting guidelines. Any risk not meeting the guidelines, but judged by the agent to be a good risk, must be referred to Underwriting before binding. Agent’s binding authority for new business, or for increases in coverage on existing business is suspended immediately when the National Hurricane Center (NHC) of the National Weather Service has issued a Tropical Storm Watch, Tropical Storm Warning, Hurricane Watch, or Hurricane Warning for any coastal area of Texas. Renewals will only be issued on an “as expiring” basis for coverage and perils; limits will only be increased to keep pace with established inflation factors. The Company will restore binding authority as soon as the NHC lifts the storm designation for all affected Texas coastal areas. If any exceptional circumstances exist which warrant the Company giving consideration to acceptance of additional liability, the line must be submitted to the Company’s Underwriting Department for approval. An example is when coverage is required in order to close on the purchase of a home – in this situation, the agent must contact the Company for approval, and proof of the real estate closing must accompany the application along with the appropriate payment. Applies to all forms.



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Rule 110. CANCELLATION OR REDUCTION IN LIMITS OF LIABILITY OR COVERAGE

• Mandatory coverages may not be canceled unless the entire policy is canceled.

• If insurance is increased or reduced, the additional or return premium shall be computed on a pro-rata basis.

• Flat cancellations after the effective date will require proof of other insurance and must be made within 60 days of effective date.

• The insured may cancel the policy at any time for any reason.

Applies to all forms.



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Rule 115. CONSTRUCTION DEFINITIONS

• Frame / Stucco on Frame – exterior wall of wood or other combustible construction, including wood-iron clad, stucco on wood or plaster on combustible supports, and aluminum or plastic siding over frame.

• Masonry Veneer / HardiPlank – exterior walls constructed of masonry materials brick or stone over frame.

• Masonry / Stucco on Masonry – exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile, or similar materials, and floors and roof of combustible construction.

• Superior Construction - exterior walls, floors, and roof constructed of masonry or other non-combustible materials.

Note: Mixed (Brick/Block and Frame) – a combination of both brick/block and frame construction shall be classified as Frame when the exterior walls of frame construction (including gables) exceed 30% of total exterior wall area; otherwise classify as Brick/Block. Applies to all forms.



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Rule 120. MINIMUM PREMIUM

Minimum premium shall be set for each policy according to the policy form used and whether wind coverages are excluded. For more information about windstorm or hail exclusions, please see Rule 550.

Form With Wind Ex-Wind

HO 03 and HO 05 $250 $200

HO 04 $125 $125

HO 06 $150 $125



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Rule 125. MULTIPLE COMPANY INSURANCE

We will not provide coverage for a dwelling where the same coverage is provided by another insurance policy. Applies to all forms.



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Rule 130. POLICY TERM

The standard policy term is one year and may be extended for successive policy periods by renewal. Applies to all forms.



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Rule 135. PREMIUM CALCULATION

Premium is calculated separately for hurricane, tornado/hail and all other perils. Many policy variables and the rate classifications within each are used in developing the final premium. In general, the factor for each rate class is multiplied times the factor for the rate class of the preceding variable. References in this manual to wind/hail factors are meant to apply to both the hurricane and the tornado/hail premium calculation. Applies to all forms.



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Rule 140. PREVIOUS CANCELLATIONS / NON-RENEWALS

Risks previously canceled or non-renewed by another insurer must be referred to company prior to binding. Applies to all forms.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-145-1 Ed. 8/22/2018

Rule 145. PROTECTION CLASS INFORMATION

The Protection Class listings in the Public Protection Classification Manual apply. Homes must have paved road access to qualify. In a classified area where two or more classifications are shown (e.g. 6/9), the classification is determined as follows: Miles to Fire Station Feet to Hydrant Class Less than 5 Less than 1,000 First PC Less than 5 More than 1,000 9 More than 5 10 Protected Subdivision Rule: A dwelling located in a qualifying restricted subdivision will receive the rating of the responding fire department if:

• The year built is three years or less.

• The subdivision is under development with recorded plat and paved roads where dwellings are built by licensed contractors subject to building restrictions as to type and square footage.

• The subdivision contains at least 10 houses.

• The subdivision is within 5 miles travel distance of a responding fire department.

• The home is located within 1,000 feet of fire hydrant, or responding fire department is equipped to transport water or pump water from swimming pools or other sources within 1,000 feet of the home.

Homes with this rating will be subject to audit. If the Protection Class is not updated by Insurance Services Office (ISO) within three policy terms, the proper ISO rating will be applied. Applies to forms HO 03, HO 05 and HO 06.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-150-1 Ed. 8/22/2018

Rule 150. RENEWAL

If the company elects to offer renewal, policy may be renewed by the policyholder by paying the renewal premium prior to the expiration of the current policy. Renewal policy will be issued based on the premiums, forms and endorsements in effect at time of renewal. A new declaration page as well as any revised policy forms will be sent to the insured. Copies of notices and declaration page will be sent to the mortgagee(s). Applies to all forms.



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Rule 155. INSURABLE INTERESTS

For eligible Additional Insureds, for HO 03, HO 04 and HO 05 use form HO 04 41 Additional Insured – Residence Premises and HO 06 UPC 42 634 Additional Insured Residence Premises. For Additional Interests, use form HO 04 10 Additional Interests – Residence Premises. Other rules related to insurable interests:

• Other Member of Named Insured’s Household, please refer to Rule 730.

• Residence Held In Trust, please refer to Rule 860.

• Students Away From Home, please refer to Rule 880. Applies to all forms.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-160-1 Ed. 8/22/2018

Rule 160. TRANSFER OR ASSIGNMENT

No transfers or assignments are permitted. Each insured and/or property will require submission of a new application. Applies to all forms.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-165-1 Ed. 8/22/2018

Rule 165. WAIVER OF PREMIUM

When a policy is issued or endorsed after the inception date, additional or return premium of $5 or less is waived. However, we will return any unearned premium upon request. Applies to all forms.



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Rule 170. OCCUPANCY

Dwellings occupied less than 3 months per year or that are rented to others are not eligible for coverage

in this program (see Dwelling Fire Program).

Months Unoccupied AOP Factor Wind / Hail Factor

0 1.000 1.000

1 1.100 1.060

2 1.110 1.070

3 1.120 1.080

4 1.140 1.090

5 1.160 1.100

6 1.170 1.110

7 1.180 1.120

8 1.190 1.130

9 1.210 1.140

10 1.220 1.170

11 1.230 1.180

12 1.250 1.190

Applies to forms HO 03, HO 05 and HO 06.



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Rule 175. ADDITIONAL FEES AND CREDITS

MGA FEE

A fully-earned MGA fee of $75 is charged on each HO 03 and HO 05 policy.

A fully-earned MGA fee of $25 is charged on each HO 04 and HO 06 policy.

NSF FEE

There is a $25 service charge on NSF checks. Applies to all forms.

INSTALLMENT FEE

A $5 installment fee will be added to non-EFT installment payments. A $2 installment fee will be added

to all EFT installment payments. Applies to all forms.

PAPERLESS POLICY CREDIT

A $10 policy credit will apply when the customer elects to receive policy documents electronically.


TEXAS FAIR PLAN ASSOCIATION (TFPA) ASSESSMENT RECOUPMENT SURCHARGE

In accordance with Texas statutes, a surcharge will be applied to all policy premiums (excluding fees) to

recoup assessments administered by the Texas Fair Plan Association. The amount of the surcharge is

rounded to the nearest dollar with a minimum surcharge per policy of $1.00. The surcharge is fully

earned and non-commissionable.

Year of Assessment Surcharge Amount

2018 0.16%

Applies to all forms



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-180-1 Ed. 8/22/2018

Rule 180. MANDATORY ENDORSEMENTS

The following mandatory endorsements are applied to HO 03, HO 04, HO 05 and HO 06, unless

otherwise indicated, below:

U.S. Treasury Department’s Office of Foreign Assets Control (‘OFAC’) Advisory Notice to

Policyholders (IL P 001)

Farm & Agricultural Activities Exclusion (UPC 602)

Excludes coverage or payments for farming and agricultural activities, and for any loss

related to any farm animals.

Texas Period to File a Claim or Bring Legal Action Against Us Notice - Windstorm or Hail -

Catastrophe Area (UPC 42 662)

Attached to all policies with Wind/Hail coverage.

Texas Consumer Bill of Rights (UPC 42 225)

Consumer Disclosure Notice (UPC 431)

Texas Important Notice (UPC 42 TIN)

Privacy Notice (UPC 424)

Insurance Score Notice (UPC 430 TX)

Loss Settlement (UPC 663)

The following mandatory endorsements are applied to HO 03, HO 04, and HO 05:

Limited Home Day Care Coverage Advisory Notice (HO P 004)

Notice advises that homeowners policy defines many home day care activities as a

business, which results in important coverage limitations.

Fraud Statement (IL N 001)

Policy Jacket (UPC 207 TX)

Recreation or Service Vehicle Exclusion (UPC 601)

Excludes coverage from activities related to the ownership, maintenance or use of any

motor vehicle or other motorized land conveyance designed for recreational or service

use off public roads or which is not subject to motor vehicle registration.

Special Provisions – Texas (UPC 01 42)



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The following mandatory endorsements are applied to HO 06:

Limited Home Day Care Coverage Advisory Notice (UPC 99 651)

Notice advises that homeowners policy defines many home day care activities as a

business, which results in important coverage limitations.

Pollution Exclusion Policyholder Notice – Texas (UPC 42 901)



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LIMITS AND DEDUCTIBLES

Rule 200. COVERAGE A – DWELLING

Coverage A is provided by all forms except HO4, and these values are rounded to the nearest thousand

before the application of Key Factors (see rule 1040) or any other rate factors or rules.

Agents may refer to UPC Insurance underwriting guidelines for insurance to value requirements and

practices.



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Rule 210. COVERAGE B – OTHER STRUCTURES

Insured may select desired coverage limit for other structures located on the residence premises. Other

structures may not be rented to others, or used by non-related persons for residence purposes.

Base rates include other structures coverage equal to 2% of Coverage A. The factor applies to wind/hail

and other perils premium.

% of Coverage A Factor

2% 1.000

10% 1.020

15% 1.061

20% 1.111

Applies to forms HO 03 and HO 05.



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Rule 220. COVERAGE C – PERSONAL PROPERTY

For forms HO 03 and HO 05, the insured may select desired coverage limit for personal property.

Coverage C is available in increments of 5% (of Coverage A) up to a maximum personal property limit of

75% of Coverage A.

Factor

% of Coverage A AOP Wind/Hail

0%* 0.80 0.70

5% 0.83 0.73

10% 0.85 0.76

15% 0.88 0.79

20% 0.90 0.82

25% 0.92 0.85

30% 0.93 0.88

35% 0.95 0.91

40% 0.96 0.94

45% 0.98 0.97

50% 1.00 1.00

55% 1.02 1.03

60% 1.04 1.06

65% 1.07 1.09

70% 1.10 1.12

75% 1.13 1.15

*Use Endorsement UPC 621 – Personal Property Exclusion

For Forms HO 04 and HO 06, coverage amounts are selected in dollar values, rounded to the nearest

thousand. Please see Key Factors (rule 1040) for HO 04 and HO 06 rating factors related to Coverage C.



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Rule 230. COVERAGE D – LOSS OF USE

For HO 03 and HO 05, base rates include loss of use coverage equal to 30% of Coverage A. The following

limits are available:

% of Coverage A Factor

10% 0.93

20% 0.94

30% 1.00

For HO 04, base rates include loss of use coverage equal to 30% of Coverage C. No other limits are

available.

For HO 06, base rates include loss of use coverage equal to 50% of Coverage C. The following limits are

available:

% of Coverage C Factor

20% 0.93

30% 0.94

40% 0.97

50% 1.00

60% 1.04

The factor applies to wind/hail and other perils premium.



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Rule 240. SECTION II LIMITS

The policy provides coverage for Personal Liability and Medical Payments to Others.

Liability Limit Premium

$100,000 $15

$300,000 $25

$500,000 $35

Med Pay Limit Premium

$1,000 $5

$2,500 $8

$5,000 $10




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-250-1 Ed. 8/22/2018

Rule 250. DEDUCTIBLES

The wind/hail deductible cannot be less than the other perils deductible. Changes in deductibles may only be made at the time of the renewal. HO 03 Deductibles

Coverage A Deductible Factor – AOP

$500 $1,000 $2,500 1% 2% 3% 5%

$51,000 – $100, 000 1.297 1.141 0.933 1.209 1.069 0.979 0.797

$101,000 - $150,000 1.297 1.154 0.952 1.136 0.979 0.894 0.724

$151,000 - $200,000 1.297 1.167 0.969 1.088 0.924 0.843 0.680

$201,000 - $250,000 1.297 1.180 0.984 1.054 0.895 0.817 0.659

$251,000 - $300,000 1.297 1.193 1.000 1.000 0.880 0.807 0.661

$301,000 - $500,000 1.297 1.219 1.023 0.986 0.859 0.790 0.652

$501,000 - $999,000 1.297 1.252 1.066 0.957 0.835 0.771 0.642

$1,000,000 - above 1.297 1.271 1.132 0.957 0.818 0.759 0.642

Coverage A Deductible Factor – Hurricane*

$500 $1,000 $2,500 1% 2% 3% 5%

$51,000 – $100, 000 1.136 1.059 0.933 1.081 0.983 0.903 0.852

$101,000 - $150,000 1.136 1.076 0.964 1.052 0.958 0.883 0.828

$151,000 - $200,000 1.136 1.081 0.980 1.029 0.936 0.864 0.811

$201,000 - $250,000 1.136 1.082 0.991 1.012 0.922 0.853 0.796

$251,000 - $300,000 1.136 1.081 1.000 1.000 0.910 0.845 0.785

$301,000 - $500,000 1.136 1.084 1.011 0.981 0.894 0.833 0.773

$501,000 - $999,000 1.136 1.106 1.038 0.959 0.874 0.817 0.753

$1,000,000 - above 1.136 1.128 1.107 0.940 0.855 0.803 0.738

Coverage A Deductible Factor – Tornado/Hail*

$500 $1,000 $2,500 1% 2% 3% 5%

$51,000 – $100, 000 1.153 1.037 0.767 1.189 1.013 0.926 0.643

$101,000 - $150,000 1.153 1.051 0.810 1.091 0.879 0.797 0.537

$151,000 - $200,000 1.153 1.063 0.855 1.035 0.800 0.722 0.533

$201,000 - $250,000 1.153 1.076 0.893 1.000 0.757 0.682 0.501

$251,000 - $300,000 1.153 1.106 1.000 1.000 0.757 0.687 0.501

$301,000 - $500,000 1.153 1.116 1.040 1.000 0.757 0.691 0.501

$501,000 - $999,000 1.153 1.128 1.076 0.942 0.740 0.678 0.507

$1,000,000 - above 1.153 1.130 1.088 0.855 0.672 0.616 0.494



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HO 05 Deductibles

Coverage A Peril Deductible Factor

$1,000 $2,500 1% 2% 3% 5%

$51,000 – $100, 000 AOP 0.830 0.680 0.870 0.780 0.700 0.570

Wind/Hail* 1.046 0.923 1.071 1.000 0.941 0.843

$101,000 - $150,000 AOP 0.890 0.750 0.870 0.750 0.670 0.540

Wind/Hail* 1.088 1.000 1.071 1.000 0.941 0.843

$151,000 - $200,000 AOP 0.940 0.810 0.870 0.730 0.630 0.520

Wind/Hail* 1.109 1.040 1.071 1.000 0.941 0.843

$201,000 - $250,000 AOP 0.980 0.850 0.870 0.730 0.620 0.520

Wind/Hail* 1.120 1.063 1.071 1.000 0.941 0.843

$251,000 - $300,000 AOP 1.000 0.890 0.870 0.730 0.620 0.520

Wind/Hail* 1.128 1.079 1.071 1.000 0.941 0.843

$301,000 - $500,000 AOP 1.080 0.950 0.870 0.730 0.620 0.520

Wind/Hail* 1.140 1.103 1.071 1.000 0.941 0.843

$501,000 - $999,000 AOP 1.080 1.000 0.870 0.730 0.620 0.520

Wind/Hail* 1.154 1.131 1.071 1.000 0.941 0.843

$1,000,000 - above AOP 1.080 1.000 0.870 0.730 0.620 0.520

Wind/Hail* 1.154 1.131 1.071 1.000 0.941 0.843

*Use Endorsement UPC 03 12 – Windstorm or Hail Percentage Deductible when a percentage deductible is selected for Wind/Hail.

HO 04 Deductibles

Deductible All Other Perils (AOP) Wind/Hail

$500 1.000 1.000

$1,000 0.915 0.966

$2,500 0.780 0.888

HO 06 Deductibles

Coverage C Deductible Factor – AOP**

$500 $1,000 $2,500 1% 2% 3% 5%

$0 - $50,000 0.910 0.830 0.680 N/A N/A N/A N/A

$51,000 – $100, 000 0.910 0.830 0.680 0.870 0.780 0.700 0.570

$101,000 - $150,000 0.980 0.890 0.750 0.870 0.750 0.670 0.540

$151,000 - $200,000 1.020 0.940 0.810 0.870 0.730 0.630 0.520

$201,000 - $250,000 1.050 0.980 0.850 0.870 0.730 0.620 0.520

$251,000 - $300,000 1.080 1.000 0.890 0.870 0.730 0.620 0.520

$301,000 - $500,000 1.150 1.080 0.950 0.870 0.730 0.620 0.520

$501,000 - $999,000 1.150 1.080 0.950 0.870 0.730 0.620 0.520

$1,000,000 - above 1.150 1.080 0.950 0.870 0.730 0.620 0.520



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-250-3 Ed. 8/22/2018

Coverage C Deductible Factor – Wind/Hail*

$500 $1,000 $2,500 1% 2% 3% 5%

$0 - $50,000 0.972 0.925 0.816 N/A N/A N/A N/A

$51,000 – $100, 000 0.972 0.925 0.816 0.947 0.884 0.832 0.745

$101,000 - $150,000 0.994 0.962 0.884 0.947 0.884 0.832 0.745

$151,000 - $200,000 1.004 0.980 0.919 0.947 0.884 0.832 0.745

$201,000 - $250,000 1.011 0.990 0.940 0.947 0.884 0.832 0.745

$251,000 - $300,000 1.015 0.997 0.954 0.947 0.884 0.832 0.745

$301,000 - $500,000 1.021 1.008 0.975 0.947 0.884 0.832 0.745

$501,000 - $999,000 1.027 1.020 1.000 0.947 0.884 0.832 0.745

$1,000,000 - above 1.027 1.020 1.000 0.947 0.884 0.832 0.745

*Use Endorsement UPC 03 12 – Windstorm or Hail Percentage Deductible when a percentage deductible is selected for Wind/Hail. ** Use Endorsement UPC 637 – All Other Perils Percentage Deductible when a percentage deductible is selected for All Other Perils



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-300-1 Ed. 8/22/2018

PAYMENT PLANS & PAYMENT TYPE DISCOUNTS

Rule 300. PAYMENT PLANS

Applies to new and renewal business.

Payment Type First Installment % Remaining Installments % Installment Due

EFT 9.1% 9.1% Every 30 days

Any 25.0% 25.0% On 60th, 120th & 180th day

Any 40.0% 30.0% On 60th & 120th days

Any 50.0% 50.0% On 60th day

Any 100% NA NA

Outside premium financing is unacceptable.




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-310-1 Ed. 8/22/2018

Rule 310. PAYMENT TYPE DISCOUNT

Applies to New and Renewal Business.

Payment Type All Perils

EFT Installment 0.967

EFT Paid in Full 0.861

Check Installment 0.967

Check Paid in Full 0.861

Credit Card Installment 1.000

Credit Card Paid in Full 0.890

Mortgage Billed 0.909

A $10 credit is applied to the total policy premium when the EFT payment option is selected. This credit

is only applicable if all payments are made via EFT.

Applies to all forms except HO 04.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-400-1 Ed. 8/22/2018

DISCOUNTS & SURCHARGES

Rule 400. MAXIMUM DISCOUNTS

The maximum cumulative discount from the following variables will be capped at 60%.

1. Rule 300. Payment Type Discounts 2. Rule 410. Age of Home 3. Rule 420. Age and Marital Status of Named Insured 4. Rule 440. Companion Policy Discount 5. Rule 460. Hip Roof Discount 6. Rule 470. IBHS / WPI-8 Discount 7. Rule 510. Roof Age 8. Rule 511. Roof Material

9. Rule 520. Protective Device Discount 10. Rule 530. Secured Community / Theft Discount 11. Rule 540. Wind Opening Protection Discount 12. Rules 950 & 960. Tier




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-410-1 Ed. 8/22/2018

Rule 410. AGE OF HOME

Age is determined by subtracting the year in which construction of the residence was completed from the year in which the policy is effective.

Home Age

HO 03 & HO 05 HO 04 HO 06

AOP Factor Wind / Hail

Factor


Factor


Factor

0 0.369 0.292 0.520 1.00 0.520 0.520

1 0.400 0.319 0.520 1.00 0.520 0.520

2 0.432 0.349 0.570 1.00 0.570 0.570

3 0.469 0.382 0.570 1.00 0.570 0.570

4 0.507 0.417 0.620 1.00 0.620 0.620

5 0.549 0.456 0.680 1.00 0.680 0.680

6 0.595 0.498 0.710 1.00 0.710 0.710

7 0.644 0.545 0.740 1.00 0.740 0.740

8 0.697 0.595 0.780 1.00 0.780 0.780

9 0.756 0.651 0.820 1.00 0.820 0.820

10 0.855 0.741 0.860 1.00 0.860 0.860

11 0.889 0.796 0.900 1.00 0.900 0.900

12 0.925 0.852 0.940 1.00 0.940 0.940

13 0.962 0.889 0.980 1.00 0.980 0.980

14 1.000 0.926 1.000 1.00 1.000 1.000

15 1.040 0.963 1.050 1.00 1.050 1.050

16 1.081 1.000 1.100 1.00 1.100 1.100

17 1.125 1.000 1.140 1.00 1.140 1.140

18 1.170 1.000 1.180 1.00 1.180 1.180

19 1.216 1.000 1.220 1.00 1.220 1.220

20 1.265 1.000 1.260 1.00 1.260 1.260

21 – 25 1.265 1.000 1.300 1.00 1.300 1.300

26 – 29 1.315 1.000 1.350 1.00 1.350 1.350

30 – 40 1.368 1.000 1.350 1.00 1.350 1.350

41+ 1.368 1.000 1.280 1.00 1.280 1.280



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-420-1 Ed. 8/22/2018

Rule 420. AGE AND MARITAL STATUS OF NAMED INSURED

A state or national government that recognizes the insured as married can be categorized as married only when both spouses reside in the household. All others must be categorized as single.

Age of Insured Marital Status* AOP

00 – 26 Married 1.157

27 – 31 Married 1.120

32 – 45 Married 0.988

46 – 51 Married 0.913

52 – 57 Married 0.884

58 – 66 Married 0.837

67 – 70 Married 0.809

71 – 76 Married 0.866

77 + Married 0.941

00 – 26 Single 1.302

27 – 31 Single 1.259

32 – 45 Single 1.111

46 – 51 Single 1.027

52 – 57 Single 0.995

58 – 66 Single 0.942

67 – 70 Single 0.910

71 – 76 Single 0.974

77 + Single 1.058

00 – 26 Not Used 1.275

27 – 31 Not Used 1.234

32 – 45 Not Used 1.089

46 – 51 Not Used 1.006

52 – 57 Not Used 0.975

58 – 66 Not Used 0.923

67 – 70 Not Used 0.892

71 – 76 Not Used 0.954

77 + Not Used 1.037

*For policies with an original effective date before 4/1/2017 when marital status was not used, the “Not Used” rating factor will apply.

Supporting documentation for age must be retained in agent’s file (copy of driver’s license or other state

or federal issued ID, passport, Auto declarations page).




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-440-1 Ed. 8/22/2018

Rule 440. COMPANION POLICY DISCOUNT

Auto Preferred

Auto UPC Flood Umbrella AOP Factor

Wind / Hail

Factor

No No No No 1.000 1.000

No No No Yes 0.900 0.950

No No Yes No 0.970 0.970

No No Yes Yes 0.892 0.933

Yes No No No 0.950 0.950

Yes No No Yes 0.877 0.917

Yes No Yes No 0.933 0.933

Yes No Yes Yes 0.863 0.900

No Yes No No 0.950 0.950

No Yes No Yes 0.855 0.903

No Yes Yes No 0.922 0.922

No Yes Yes Yes 0.829 0.875

Evidence and supporting documentation for package policy discounts must be retained in agent’s file.

These documents will be subject to review during an audit.




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-460-1 Ed. 8/22/2018

Rule 460. HIP ROOF DISCOUNT

A 15% discount applies to the wind/hail premium if the home is constructed with a hip roof covering the entire structure. A hip roof is one that slopes down to meet all walls (like a pyramid). This design has superior ability to withstand high winds and will result in a premium credit. However, other factors can negate the value of this design. The discount is not applicable if the roof has skylights or overhangs that exceed 18”, or on HO 06 properties within structures greater than 3 stories.

A hip roof has sloping ends and sloping sides down to the roof eaves line. A hip roof with

decorative gables is eligible for this discount if the gables are no more than 10% of the entire

roof structure.

Roof shape determines the aerodynamic pressure loads experienced by the roof due to wind

flow and wind direction. Gable and hip shapes and their combinations comprise more than

80% of the residential buildings.

Roof Type Description Figure

GABLE ROOF A roof sloping downward

in two parts from a

central ridge, so as to

form a gable at each end.

HIP ROOF A roof having sloping

ends and sides meeting

at an inclined projecting

angle.




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-470-1 Ed. 8/22/2018

Rule 470. IBHS / WPI-8 DISCOUNT

The following discounts apply to the wind / hail premium when the home is certified by the

International Institute for Business & Home Safety (IBHS) as meeting the standard for one of the

following Hurricane Resistance Designations or has received a Certificate of Compliance (WPI-8). Only

the largest discount for which the risk is eligible may apply.

• Bronze / Inland II 5%

• Silver / Inland I 10%

• Gold / Seaward 15%

Evidence and supporting documentation for these discounts must be retained in agent’s file. Supporting FORTIFIED home hurricane designation documentation of Bronze, Silver, or Gold will be subject to review during an audit. Applies to HO 03, HO 05 and HO 06.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-480-1 Ed. 8/22/2018

Rule 480. LIMITED WATER DAMAGE COVERAGE

Limited coverage for sudden and accidental discharge or overflow of water or steam from within a plumbing, heating, A/C, or automatic sprinkler system or from within a household appliance is available for a reduction in premium and may be used at the underwriter’s discretion. The limit of liability for all covered property under this option is $10,000. The factor for this endorsement is 0.920 and it applies to the other perils premium.

For HO 03, HO 05 and HO 04 use Endorsement UPC 620 – Limited Water Damage Coverage

For HO 06 use endorsement UPC 42 644 – Limited Water Damage Coverage




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-490-1 Ed. 8/22/2018

Rule 490. NON-STRUCTURAL HAIL LOSS LIMITATION ENDORSEMENT

This endorsement is mandatory for properties with metal roofs and/or aluminum siding. In all other instances, it may be added at the option of the insured. The endorsement provides that when damage from hail consists only of dents to the exterior surface of a home or other structure, not causing structural damage, we will pay the lowest of the cost of repairing or replacing the damaged portion of the property; or 2% of the amount of insurance provided under Coverage A (Dwelling). The factor for this endorsement is 0.970 and it applies to the wind/hail premium. Use Endorsement UPC 623 – Non-Structural Hail Loss Limitation Applies to forms HO 03 and HO 05.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-500-1 Ed. 8/22/2018

Rule 500. NUMBER OF STORIES

This measures the number of stories above the property’s foundation. This does not include the

basement (including a walkout basement) level, if any, of a dwelling.

Number of Stories AOP Factor HUR Factor Tor/Hail Factor

1 1.000 1.000 1.000

1.5 1.030 1.050 0.960

2 1.050 1.050 0.920

2.5 1.060 1.050 0.920

3+ 1.070 1.050 0.920

Bi-Level 1.050 1.050 0.920

Tri-Level 1.070 1.050 0.920

Applies to all forms. Applies to HO 06 dwellings where other condominium units are not present on

stories above or below the insured unit.

Floors Above Unit

For HO 06 policies where this information was not collected at the time of the original application we

will apply a 1.00 factor.

If the residence is located in a multi-unit building where other condominium units are present on stories

above or below the insured unit, then the following factor is used instead of the number of stories

factor.

Floors Above Unit AOP Factor Wind/Hail Factor

0 0.900 1.000

1 1.000 1.000

2 1.050 1.000

3+ 1.100 1.000



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-510-1 Ed. 8/22/2018

Rule 510. ROOF AGE

A discount from the following table applies to Tornado/Hail, Hurricane, and All Other Perils premiums based on the age of the roof.

Peril

Age of Home Age of Roof AOP HUR Tor/Hail

0-9 years 0-4 years 1.00 1.00 1.00

0-9 years 5-9 years 1.00 1.00 1.00

0-9 years 10+ years 1.00 1.00 1.00

10+ years 0-4 years 0.96 0.96 0.88

10+ years 5-9 years 0.98 0.98 0.94

10+ years 10+ years 1.00 1.00 1.00

Applies to form HO 03.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-511-1 Ed. 8/22/2018

Rule 511. ROOF MATERIAL

A discount from the following table applies to Tornado/Hail, Hurricane, and All Other Perils premiums based on the type of roof covering material.

Roofing Material Group All Other Perils Tornado/Hail Hurricane

Shingle 1.00 1.00 1.00

Tile 1.00 0.91 0.86

Metal 1.00 1.03 1.08

Slate 1.00 0.90 0.85

Other/Unknown 1.00 1.00 1.00

Roof Material Group Definitions

• Shingle – All shingle type roof coverings (ex. 3-tab shingle, composite shingle, tar shingle)

• Tile – Barrel/Concrete/Flat tiles or similar covering types

• Metal – Roof covering made of a metallic material (ex. Steel)

• Slate - Slate or similar roof covering types

• Other – Any roofing material that does not meet the other group definitions

• Unknown – This classification is to be used only for existing customers where the roof material

type was not captured during the binding process

Refer to the Underwriting Guidelines regarding eligible roof material types.




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-520-1 Ed. 8/22/2018

Rule 520. FIRE PROTECTIVE DEVICES DISCOUNT

Fire Alarm

Central- A centrally controlled fire detector with an alarm and auto-response call attached that will call

911 and/ or the fire department.

Direct – A fire detector alarm that will directly be routed to a 911 call center or fire department

Local- A locally controlled fire detector with an audible alarm that alerts the homeowners and

neighbors but does not have any auto-response. Someone would need to call 911 or the fire

department.

Sprinkler

Full - Automatic Sprinklers in all Areas including Attics, Bathrooms, Closets, Attached Structures.

Partial - Automatic Sprinklers in all Areas excluding Attics, Bathrooms, Closets, Attached Structures.

Fire Alarm Sprinkler AOP Factor

Central Full 0.874

Central Partial 0.950

Central None 0.950

Direct Full 0.874

Direct Partial 0.950

Direct None 0.950

Local Full 0.920

Local Partial 1.000

Local None 1.000

No Full 0.920

No Partial 1.000

No None 1.000

Use Endorsement HO 04 16 – Premises Alarm or Fire Protection System

*Evidence and supporting documentation for protective device discounts must be retained in agent’s file. These documents will be subject to review during an audit.




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-530-1 Ed. 8/22/2018

Rule 530. SECURED COMMUNITY / THEFT DISCOUNT

Secured Community- a community that you must manually enter a code or swipe a card to enter the

premises.

Evidence and supporting documentation for all secured community / theft discounts must be retained in agent’s file. These documents will be subject to review during an audit. Applies to all forms.

Secured Community Theft Alarm AOP Factor

No Central 0.990

No Local 1.000

No None 1.000

Secured Central 0.970

Secured Local 0.990

Secured None 1.000



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-540-1 Ed. 8/22/2018

Rule 540. WIND OPENING PROTECTION

A 15% discount applies to the wind/hail premium if a residence is equipped with opening protection installed by a licensed contractor with the proper permits, or that has been certified by a qualified professional as meeting the following requirements:

• All exterior openings including windows, doors, skylights, and vents are protected (roof ridge vents and soffit vents do not need to be protected) and meet the minimum requirements of the International Residential Building code, or

• Impact resistant glass on all windows meeting the minimum requirements of the International Residential Building Code.

Evidence and supporting documentation for all wind opening discounts must be retained in agent’s file. These documents will be subject to review during an audit. Applies to forms HO 03, HO 05 and HO 06.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-550-1 Ed. 8/22/2018

Rule 550. WINDSTORM OR HAIL EXCLUSION

A. Introduction

The peril of Windstorm or Hail may be excluded for all coverages when the property is located in a

designated catastrophe area and is eligible for coverage through the Texas Windstorm Insurance

Association. Policies written excluding wind must maintain a separate wind policy.

For HO 03, HO 05 and HO 04 use Windstorm or Hail Exclusion Endorsement – Texas Endorsement HO 04

70.

For HO 06 use Windstorm or Hail Exclusion Endorsement – Texas Endorsement UPC 42 647

B. Premium When the peril of Windstorm or Hail is excluded from under Section I of the policy the wind/hail

premium is not developed and no related charges are applied to the policy. However, Rule 120.

Minimum Premium does apply.




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-580-1 Ed. 8/22/2018

Rule 580. OPEN FOUNDATION SURCHARGE

A 10% surcharge is applied to a home with an open foundation.

Surcharge is applied to the All Other Perils, and applies only to forms HO 03 and HO 05.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-590-1 Ed. 8/22/2018

Rule 590. WOOD BURNING STOVE SURCHARGE

A 10% surcharge is applied to a home with a wood burning stove, pellet stove, coal stove, and/or

Fireplace Insert.

Surcharge is applied to the All Other Perils, and applies only to HO 03 and HO 05.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-600-1 Ed. 8/22/2018

ADDITIONAL COVERAGE OPTIONS

Rule 600. ADDITIONAL AMOUNTS OF COVERAGE A

This endorsement is intended to cover additional costs of construction that are incurred due to increases in the cost of construction that occur during the policy period. Increased construction cost is normally the result of increased demand relative to supply of labor and materials that can occur subsequent to a catastrophic loss that impacts a substantial number of properties in a region. Additional coverage options provided by this endorsement are 25% of Coverage A and 50% of Coverage A. Coverage must be written for 100% of replacement cost. This endorsement does not cover increased construction costs attributable to laws or ordinances governing construction.

Additional Amount Options AOP

Factor

Wind/Hail

Factor

25% 1.050 1.050

50% 1.100 1.100

Use Endorsement HO 04 20 – Specified Additional Amount of Insurance for Coverage A – Dwelling




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-610-1 Ed. 8/22/2018

Rule 610. ANIMAL LIABILITY BUYBACK ENDORSEMENT

This endorsement may be added at the option of the insured for the limits and premiums below.

Endorsement provides that Coverage E (Personal Liability) and Coverage F (Medical Payments) applies to

bodily injury or property damage caused by animals owned by the insured, provided the animals are not

prohibited by our guidelines (see ineligible list). An insured must have an umbrella policy in order to

qualify for the $300,000 or $500,000 options. A current Declarations Page for the umbrella policy will be

required for audit purposes. This endorsement also provides Medical Payments coverage at the same

limit as chosen for Coverage F.

Limit Premium

$ 50,000 $25

$300,000 $35

$500,000 $45

For HO 03, HO 05 and HO 04 use Endorsement UPC 615 – Animal Liability

For HO 06 use Endorsement UPC 42 615 – Animal Liability




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-610-1 Ed. 8/22/2018

Rule 631. HOME SYSTEMS PROTECTION

The Home Systems Protection Endorsement provides coverage for mechanical or equipment breakdown

and electronic circuitry impairment when perils for such equipment or electronic circuitry would have

been excluded under the Homeowners policy. This coverage is subject to a $500 deductible.

Limit Premium

$50,000 $44

For forms HO 03 and HO 05, use Endorsement HO HSP – Home Systems Protection

For Form HO 06, use Endorsement HO6 HSP – Home Systems Protection

Applies to HO 03, HO 05, and HO 06.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-632-1 Ed. 8/22/2018

Rule 632. SERVICE LINE

The Service Line Coverage endorsement provides coverage for failure of underground piping and wiring,

including permanent connections, valves or attached devices that provide communications, compressed

air, drainage, electrical power, heating, waste disposal, or water to the residence premises. This

coverage is subject to a $500 deductible.

Limit Premium

$10,000 $34

Use endorsement HO SLC - Service Line Coverage




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-640-1 Ed. 8/22/2018

Rule 640. FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENT

It is mandatory for homes older than 50 years old, that the loss settlement provisions be changed to Functional Replacement Cost. This means losses would be paid at the amount which it would cost to repair or replace the damaged building with less costly common construction materials and methods which are functionally equivalent to obsolete, antique or custom construction materials and methods used in the original construction of the building. Homes with Functional Replacement Cost loss settlement are not eligible for Specified Additional Amount of Insurance for Coverage A – Dwelling (rule 600), or the Premium Plus Package Endorsement (rule 820). Use Endorsement HO 05 30 – Functional Replacement Cost Loss Settlement




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-650-1 Ed. 8/22/2018

Rule 650. GOLF CART – PHYSICAL DAMAGE & LIABILITY COVERAGE

Extends Section I and II coverages to losses arising from the ownership and operation of a golf cart. Coverage does not apply when golf cart is:

• used to carry persons for a charge,

• used for business purposes,

• rented to others,

• being used outside the boundaries of a retirement community or limited access community unless being used for golfing purposes or traveling to or from a golf course.

Option 1: For an additional premium of $75, for HO 03, HO 05 and HO 04 use Endorsement UPC 616 and for HO 06 use UPC 42 616 includes special limits of liability as follows:

• Coverage C – Personal Property: $ 5,000

• Coverage E – Personal Liability: $ 50,000/100,000/50,000

• Coverage F – Medical Payment to Others: $ 5,000 Option 2: For an additional premium of $100, for HO 03, HO 05 and HO 04 use Endorsement UPC 617 and for HO 06 use UPC 42 617 includes special limits of liability as follows:

• Coverage C – Personal Property: $ 5,000

• Coverage E – Personal Liability: $100,000/300,000/100,000

• Coverage F – Medical Payment to Others: $ 5,000 The limits of liability shown above replace the limits of liability shown on the declarations page for any and all covered losses resulting from the operation of your golf cart.

1 Golf Cart 2 Golf Carts

Option 1 $75 $120

Option 2 $100 $160




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-660-1 Ed. 8/22/2018

Rule 660. HOME COMPUTER COVERAGE

Provides coverage for computers and related equipment against additional risks of physical loss subject

to certain exclusions. This coverage is available to a maximum limit of $20,000.

Additional premium: $6 for each $1,000

For HO 03, HO 05 and HO 04 use Endorsement HO 04 72 – Special Computer Coverage – Texas

For HO 06 use Endorsement UPC 42 645 – Special Computer Coverage - Texas




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-660-1 Ed. 8/22/2018

Rule 671. IDENTITY THEFT EXPENSE & RESOLUTION SERVICES COVERAGE

Identity Theft Expense and Resolution Services Coverage is available to provide first party coverage for

expenses incurred by an insured as a direct result of any identity theft occurrence first discovered or

learned of during the policy period. This endorsement provides up to $25,000 coverage for:

A. Costs for notarizing affidavits or similar documents attesting to fraud;

B. Costs for certified mail to law enforcement agencies, credit agencies, financial institutions, etc.;

C. Lost income, up to a maximum of $1,000 per week/$5,000 total, resulting from time taken off

work to complete fraud affidavits, meet with law enforcement agencies, credit agencies, and/or

legal counsel;

D. Loan application fees for re-applying for loans when the original application is rejected because

the lender received incorrect credit information;

E. Attorney fees incurred to defend lawsuits brought against the insured by merchants, financial

institutions or their collection agencies; remove any criminal or civil judgments wrongly entered

against an insured; and challenge the accuracy or completeness of any information in a

consumer credit report;

F. Charges incurred for long distance telephone calls to merchants, law enforcement agencies,

financial institutions or similar credit grantors, or credit agencies to report or discuss an actual

identity fraud.

G. Costs for daycare and eldercare incurred by an insured solely as a direct result of identity theft

H. Identity theft support services, including: assistance filing a police report, assistance recovering

lost documents; assistance replacing compromised documents (e.g., driver’s license, social

security card, etc.).

I. Resolution services include up to 12 months of credit monitoring

Premium per policy: $24

No deductible applies to this coverage.

Form forms HO 03, HO 04, and HO 05, use Endorsement UPC 614 – Identity Theft Expense and

Resolution Services Coverage.

For form HO 06, use Endorsement UPC 42 614 – Identity Theft Expense and Resolution Services

Coverage.




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-680-1 Ed. 8/22/2018

Rule 680. INFLATION GUARD

The policy may be endorsed to provide annual increases of the Section I Limits of Liability.

Amount of Annual Increase AOP Factor Wind/Hail Factor

2% 1.000 1.000

4% 1.020 1.020

6% 1.030 1.030

8% 1.040 1.040

Use Endorsement HO 04 46 – Inflation Guard




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-690-1 Ed. 8/22/2018

Rule 690. LIMITED FUNGI OR MICROBES COVERAGE

The insured may select remediation coverage as described in the required notice attached to the application, subject to underwriting requirements and an underwriting review. Options for HO 03 and HO 05 are 25%, 50% or 100% of policy limits for Coverage A (Dwelling). Options for HO 06 are 25%, 50% or 100% of policy limits for Coverage C. In order to select and be approved for mold remediation coverage, BEFORE BINDING Underwriting will require:

1. A statement from a qualified air quality testing firm certifying that the residence is free of toxic molds and that the overall mold levels in the residence are no greater than the mold levels of the ambient outside air.

2. A statement from a licensed master plumber that the residence is free of water leaks and that all plumbing and drainage systems are in good working order.

We reserve the right to decline the application for mold coverage if unacceptable underwriting conditions exist, such as prior water loss, poor general maintenance of the home or plumbing, or a roof in need of repair or replacement. Rates for each option are calculated as percentages of the Base Premium before applying any discounts or surcharges. Option 1 (0% Remediation Coverage) = No Premium Charge Option 2 (25% Remediation Coverage) = 25% Option 3 (50% Remediation Coverage) = 50% Option 4 (100% Remediation Coverage) = 100%

Endorsement

For HO 03 and HO 05 use Limited Fungi Or Microbes Coverage - Texas Endorsement HO 04 45.

For HO 06 use Limited Fungi Or Microbes Coverage - Texas Endorsement UPC 42 624.

Applies to all forms except HO 04.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-700-1 Ed. 8/22/2018

Rule 700. LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGE

This policy may be endorsed to provide coverage for loss resulting from water which backs up through

sewers or drains or which overflows from the pump. A minimum $1,000 deductible, or the AOP

deductible applies to this coverage, whichever is greater.

The endorsement may be added for the following limits:

Basement Limit Premium

None $5,000 $20

None $10,000 $30

None $25,000 $40

Unfinished $5,000 $30



Partially Finished $5,000 $40



Finished $5,000 $50

Finished $10,000 $75

Finished $25,000 $100

Policies with UPC 620 or UPC 42 644 – Limited Water Damage Coverage are not eligible to purchase this

endorsement.

For HO 03, HO 05 and HO 04 use Endorsement UPC 04 95 – Limited Water Back-Up and Sump Discharge

or Overflow Coverage

For HO 06 use Endorsement UPC 42 643 – Limited Water Back-Up and Sump Discharge or Overflow

Coverage




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-710-1 Ed. 8/22/2018

Rule 710. ORDINANCE OR LAW COVERAGE

Provides coverage for increases in cost of reconstruction, repair, or demolition of property that results

from local laws or ordinances regulating such. Base rates include 10% of Coverage A. Coverage may be

increased to 25% or 50%.

A. Basic Limit The policy automatically provides up to 10% of the Coverage A limit of liability (or for Form HO 00 04,

the Building Additions and Alterations limit) to pay for the increased costs necessary to comply with the

enforcement of an ordinance or law.

B. Increased Amount Of Coverage

1. Description

The policy may be endorsed to increase the basic Ordinance or Law Coverage amount, as noted in

Paragraph 2. to accommodate the increased costs known or estimated by the insured for materials and

labor to repair or replace the damaged property and to demolish the undamaged portion of damaged

property and clear the site of resulting debris according to the ordinance or law.

2. Premium Determination

To develop the Premium, multiply the previous premium step [All Other Perils and Wind Premiums] by

the appropriate factor selected from the following table:

Percentage Of Coverage A

Increase In Amount Total Amount Factors

15% 25% 1.080

40% 50% 1.170

For HO 03 and HO 05 use Endorsement HO 04 77 – Ordinance or Law Increased Amount of Coverage

For HO 06 use Endorsement UPC 42 648 – Ordinance or Law Increased Amount of Coverage




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-720-1 Ed. 8/22/2018

Rule 720. OTHER INSURED LOCATION OCCUPIED BY INSURED

A. Introduction

1. Section II Coverage may be provided on locations, other than the residence premises, where an insured resides, but which are insured for Section I Coverage under another insurance program or by another company.

2. Make the appropriate charge for each other insured location (up to four) shown in the Declarations of this policy.

B. Premium

Coverage E Limit One Family Two Family

100,000 $8 $16

300,000 $9 $18

500,000 $10 $20




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-730-1 Ed. 8/22/2018

Rule 730. OTHER MEMBERS OF A NAMED INSURED’S HOUSEHOLD

A. Introduction

The policy provides coverage to named insureds, resident relatives who are members of the insured's household and persons under the age of 21 who are in the care of an insured.

B. Coverage Description

1. The policy may be endorsed to provide coverage to a person who is a member of the named insured's household but does not fall under the definition of insured in the policy. It does not cover a guest, residence employee, roomer, boarder, tenant or home-sharing occupant. Coverage extends to the person named in the endorsement, and a person under the age of 21 who is in the legal custody of that person.

2. All coverages and provisions under Sections I and II of the policy that apply to insureds also apply to the persons described in Paragraph 1. except Coverages A, B and D (Fair Rental Value only).

C. Premium

Coverage E Limit 1 Person 2 People 3 People 4 People

$100,000 $56 $112 $168 $224

$300,000 $70 $140 $210 $280

$500,000 $77 $154 $231 $308

D. Endorsement

Use Other Members Of Your Household Endorsement HO 04 58.




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Rule 740. OTHER STRUCTURES – INCREASED LIMITS

When insurance is written on a specific structure on the residence premises for limits greater than the maximum Coverage B limit available in Rule 210 (Coverage B – Other Structures), the rate per $1,000 of insurance mentioned below shall apply separately to each structure. The Coverage B limit of 20% must first be selected in Rule 210 (Coverage B – Other Structures) in order to purchase the following increased limits. The maximum coverage available is 75% of Coverage A. Rate per $1,000 (of additional limit over and above Coverage B limit of 20%): $4 Use Endorsement HO 04 48 Other Structures – Increased Limits




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Rule 750. OTHER STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISES

The policy may be endorsed to provide coverage when a structure on the residence premises is rented

to others.

Section I Coverage

An unendorsed policy does not afford coverage for an other structure rented to others. Therefore, the

rate for Section I coverage under this rule is calculated independently from and in addition to any

Coverage B selections made.

Rate per $1,000 of coverage: $6

Section II Coverage

Coverage E $100,000

Coverage F $1,000 $2,500 $5,000

Premium $40 $44 $48

Coverage E $300,000

Coverage F $1,000 $2,500 $5,000

Premium $48 $52 $60

Coverage E $500,000

Coverage F $1,000 $2,500 $5,000

Premium $58 $63 $70

Use Endorsement HO 04 40 - Structures Rented To Others – Residence Premises




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-760-1 Ed. 8/22/2018

Rule 760. OUTBOARD MOTORS & WATERCRAFT

A. Introduction Coverage is included in the policy form, at no additional charge, for certain watercraft powered by an

outboard engine or motor or combination of outboard engines or motors of up to 25 horsepower, and

sailboats less than 26 feet in overall length with or without auxiliary power. Coverage is also included for

watercraft powered by inboard or inboard-outdrive engines or motors, including those that power a

water jet pump, of 50 horse power or less when not owned by an insured or more than 50 horse power

when not owned by or rented to an insured.

B. Coverage Description 1. The policy may be endorsed to provide coverage for the following types of craft:

a. Watercraft, up to 26 feet in length powered by outboard engines or motors exceeding

25 horsepower; or powered by inboard or inboard-outdrive engines or motors, including

those that power a water jet pump. Accumulate total horsepower if two or more

engines or motors are regularly used together with any single watercraft owned by

insured.

b. Sailboats 26 feet or more in overall length, with or without auxiliary power.

2. Coverage must be written to expiration of the policy.

3. For watercraft not described in preceding Paragraphs A. and B.1., coverage is not permitted

under the Homeowners Policy.

4. The premium in the state where the Insured's residence premises is located shall apply.

However, if the insured owns another residence premises in a different state and principally

operates the watercraft from that residence, apply the premium for that state.

C. Requirement

No DUI within in the past three years.

D. Premium

1. Outboard, Inboard, or Inboard-Outdrive Engines or Motors:

Horsepower

Length

Up to 15 Feet

Rate

$100,000 $300,000 $500,000

Up to 50* $41 $45 $49

51 to 100 $69 $76 $82

101 to 150 $97 $107 $116

151 to 200 Not Available

Over 200 Not Available

*Outboard engines or motors of up to 25 horsepower or sailboats less than 26 feet in overall length

with or without auxiliary power are covered in the policy form.



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Horsepower

Length – Over 15 to 26 Feet

Rate

$100,000 $300,000 $500,000

Up to 50* $63 $69 $76

51 to 100 $92 $100 $109

101 to 150 $120 $131 $143

151 to 200 $148 $162 $177

Over 200 Not Available

2. Sailboats With or Without Auxiliary Power:

Overall Length/Feet Rate

$100,000 $300,000 $500,000

26 to 40 feet* $41 $45 $49

Over 40 feet Not Available

E. Endorsement

Use Endorsement HO 24 75 - Watercraft

F. Premium for Medical Payments

Coverage F – Medical Payments $1,000 $2,500 $5,000

Outboard Motors and Watercraft

1. Outboard, Inboard or Inboard – Outboard engines or Motors

a) Up to 15 feet:

Up to 50 hp. $3 $6 $11

51 to 100 hp. $6 $12 $21

101 to 150 hp. $8 $16 $28

151 to 200 hp. Not Available

Over 200 hp. Not Available

b) Over 15 to 26 feet:

Up to 50 hp. $4 $8 $14

51 to 100 hp. $6 $12 $21

101 to 150 hp. $8 $16 $28

151 to 200 hp. $12 $24 $42

Over 200 hp. Not Available

2. Sailboats, with or without auxiliary power

26 to 40 feet $3 $6 $11

Over 40 feet Not Available

*Outboard engines or motors of up to 25 horsepower or sailboats less than 26 feet in overall length with

or without auxiliary power are covered in the policy form.




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Rule 770. PERSONAL INJURY COVERAGE

Provides liability coverage for personal injury to others for offenses such as false arrest, detention or

imprisonment, libel, slander, defamation of character, invasion of privacy, and wrongful eviction or

wrongful entry.

Personal Injury Coverage Limit Premium

$100,000 $18

$300,000 $22

$500,000 $30

For HO 03, HO 05 and HO 04 use Endorsement HO 24 21 – Personal Injury Coverage - Texas (Aggregate

Limit of Liability)

For HO 06 use Endorsement UPC 42 639 – Personal Injury Coverage - Texas (Aggregate Limit of Liability)

The amount of Personal Injury will match the amount of Coverage E selected.




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Rule 780. PERSONAL PROPERTY – INCREASED SPECIAL LIMITS OF LIABILITY

For an additional premium, increased special limits of liability for the following classes of personal

property are available. Personal Property Replacement Cost Loss Settlement (Rule 790) must also be

selected in order to select increased special limits.

Personal Property Limit In Form

Maximum Limit Allowed

Rate / Hundred*

1. Jewelry, Watches and Furs $1,500 $6,500** $1.80

2. Money $200 $1,000 $6.00

3. Securities $1,500 $3,000 $4.00

4. Silverware, Goldware and Pewterware

$2,500 $10,000 $0.70

5. Firearms $2,500 $6,500 $3.00

6. Portable Electronic Equipment in or upon a motor vehicle

$1,500 $6,000 $2.00

* Increase must be in increments of $100.

** Not exceeding $1,000 for any one article.

Use Coverage C Increased Special Limits Of Liability Endorsement HO 04 65.

Premiums developed for each class of personal property to be covered are summed, then rounded to

the nearest dollar.




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Rule 790. PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENT

Provides replacement cost loss settlement on Coverage C.

Form All Perils

HO 03 1.10

HO 05 1.10

HO 06 1.10

HO 04 1.10

Use Endorsement HO 23 04 – Personal Property Replacement Cost Loss Settlement - Texas



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Rule 800. PERSONAL PROPERTY SCHEDULED

A. Introduction Coverage may be provided on scheduled personal property subject to the rules and rates of the

Company.

B. Loss Settlement Endorsement HO 23 03 provides for standard loss settlement for all classes of property except Fine Arts;

and agreed value loss settlement for Fine Arts.

C. Endorsement

Use Scheduled Personal Property Endorsement - Texas HO 23 03 for standard loss settlement or agreed

value loss settlement for fine arts.

Coverage for schedules of personal property items may be provided, up to a maximum limit of $150,000

or 50% of Coverage C, whichever is less, but not exceeding $50,000 for any one article of men’s or

ladies’ jewelry, $25,000 for any single fur item, or $10,000 for any collections. Firearms may be

scheduled up to a limit of $10,000 per item with a class limit of $20,000. However, personal property

items used in a trade or business are not eligible for scheduled personal property coverage. An

appraisal or bill of sale no older than 5 years must accompany application or endorsement for each

single item worth $10,000 or more. Total schedules over $25,000 must have evidence of burglary/theft

protection – a central station burglar alarm is required for total schedules over $50,000.

Apply the applicable rates from the table below:

Property Description Rate per $100 Antiques $0.90 Bicycles $9.35 Cameras & Projection Equipment (non-professional) $1.52 Coins $1.80 Fine Arts: Breakage No Breakage

$1.00 $0.50

Furs $0.40 Golfers Equipment $1.40 Guns: Collectible Fired (Not Collectible)

$1.50 $3.00

Jewelry In vaults or safety deposit boxes

$1.50 $0.80

Miscellaneous Personal Property $1.00 Musical Instruments (non-professional) $0.60 Other Sports Equipment $2.00 Silverware $0.45 Stamps $0.80

Premiums developed for each scheduled item to be covered are summed, then rounded to the nearest

dollar.




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Rule 810. PREMIER ENDORSEMENT

A. For homes insured 100% to replacement cost on an HO 03 or HO 05 policy, the Premier Endorsement

may be added for an additional charge. This endorsement is not available for customers with one or

more claims filed during the past three years, excluding claims resulting from natural causes.

B. Coverages contained in this endorsement are:

▪ Inflation Guard 4% annual increase included

▪ Personal Property (Coverage C) Replacement Cost Coverage

▪ Coverage D up to one week when untenantability occurs due to civil authority or power

interruption

▪ Personal Injury Liability

▪ Loss Assessment increased from $1,000 to $2,500

▪ Home Systems Protection coverage up to $50,000

▪ Refrigerated Products – loss due to power failure: $500 per occurrence

▪ Lock Replacement when keys are lost or stolen – up to $250 per occurrence (no deductible

applies)

▪ Fire department service charge, increased from $500 to $750

▪ $500 Reward for an insured who provides information leading to a theft conviction

stemming from a covered loss

▪ Additional coverage amounts:

▪ Credit Cards, Fund Transfer Cards, Forgery increased from $500 to $1,000

▪ Theft of Jewelry, Watches & Furs increased from $1,500 to $3,000, subject to a $1,500

maximum per article

▪ Theft of Firearms increased from $2,500 to $5,000

C. To develop the premium for this option, multiply the All Other Perils and Wind Premiums by a factor

of 1.15.

D. To avoid duplicate coverage, policies with the Premier Endorsement cannot have the following

individual endorsements: Inflation Guard, Personal Property Replacement Cost, Personal Injury,

Home System Protection, Refrigerated Personal Property, or Personal Property – Increased Special

Limits.

E. Use Endorsement UPC 611 TX – Premier Endorsement



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For Policies Endorsed Prior to 05/01/2015, the following endorsement may continue to be attached

Premier Endorsement – Forms HO 03 and HO 05 A. For an additional charge the Premier Endorsement may be added to an HO 03 or an HO 05 policy,

only. B. Coverages contained in this endorsement are:

▪ Personal Property (Coverage C) Replacement Cost Coverage ▪ Coverage D extended for one week when untenantability occurs due to civil authority or

power interruption ▪ Special Computer Coverage – $5,000 per occurrence ▪ Refrigerated Products – loss due to power failure: $500 per occurrence ▪ Backup of Sewers, Drains or Sumps – $5,000 per occurrence (a $250 deductible applies) ▪ Lock Replacement when keys are lost or stolen – up to $500 per occurrence (no deductible

applies) ▪ Additional coverage amounts:

▪ Money increased from $200 to $500 ▪ Securities increased from $1,500 to $2,000 ▪ Credit Cards, Fund Transfer Cards, Forgery increased from $500 to $5,000 ▪ Jewelry, Watches & Furs increased from $1,500 to $5,000* ▪ Electronic Apparatus in a Motor Vehicle increased from $1,000 to $5,000 ▪ Silverware, Goldware & Pewterware increased from $2,500 to $5,000 ▪ Business Property

▪ On premises increased from $2,500 to $5,000 ▪ Off premises increased from $250 to $500

▪ Loss Assessment increased from $1,000 to $3,000 ▪ Personal Liability – increased to $500,000 ▪ Medical Payments to Others – increased to $5,000 for each person ▪ Personal Injury Liability ▪ Property Damage to property of others increased from $500 to $1,000 ▪ Extended Theft Coverage for Residence Premises Occasionally Rented to Others.

* $2,500 maximum per article. C. To develop the premium for this option, multiply the All Other Perils and Wind Premiums by a

factor of 1.15.

Use Endorsement UPC 420 – Premier Endorsement



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Rule 820. PREMIER PLUS ENDORSEMENT

A. For homes insured 100% to replacement cost with Coverage A in excess of $200,000 on an HO 03 or HO 05 policy, the Premier Plus Endorsement may be added for an additional charge. This endorsement is not available for customers with one or more claims filed during the past three years, excluding claims resulting from natural causes.

B. Coverages contained in this endorsement are: ▪ 25% Additional Coverage A ▪ Inflation Guard 4% annual increase included ▪ Increased Coverage C to 75% of Coverage A ▪ Personal Property (Coverage C) Replacement Cost Coverage ▪ Coverage D up to one week when untenantability occurs due to civil authority or power

interruption ▪ Personal Injury Liability ▪ Loss Assessment increased from $1,000 to $5,000 ▪ Home Systems Protection coverage up to $100,000

▪ Service Line coverage up to $10,000

▪ Identity Theft Expense and Resolution Coverage up to $25,000 ▪ Refrigerated Products – loss due to power failure: $500 per occurrence ▪ Lock Replacement when keys are lost or stolen – up to $500 per occurrence (no deductible

applies) ▪ Fire department service charge, increased from $500 to $1,000 ▪ Tree Debris Removal increased from $1,000 ($500/tree) to $2,000 ($500/tree) ▪ $500 Reward for an insured who provides information leading to a theft conviction stemming

from a covered loss ▪ Additional coverage amounts:

▪ Money increased from $200 to $300 ▪ Securities increased from $1,500 to $2,000 ▪ Credit Cards, Fund Transfer Cards, Forgery increased from $500 to $2,500 ▪ Jewelry, Watches & Furs increased from $1,500 to $5,000, subject to a $2,500

maximum per article ▪ Silverware, Goldware & Pewterware increased from $2,500 to $4,000 ▪ Theft of Firearms increased from $2,500 to $7,500 ▪ Business Property on Premises increased from $2,500 to $3,000

C. To develop the premium for this option, multiply the All Other Perils and Wind Premiums by one of the following factors:

Premium Factor

Under $1,000 1.39

$1000 – $1,499 1.32

$1,500 + 1.25

D. To avoid duplicate coverage, policies with the Premier Plus Endorsement cannot have the

following individual endorsements: Additional Amounts of Coverage A, Inflation Guard, Personal

Property Replacement Cost, Personal Injury, Supplemental Loss Assessment, Refrigerated



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Personal Property, Identity Theft Expense and Resolution Services, Home System Protection,

Service Line, or Personal Property – Increased Special Limits.

E. Use Endorsements UPC 612 TX – Premier Plus Endorsement



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Ultra Endorsement – Forms HO 03 and HO 05 A. For an additional charge the Ultra Endorsement may be added to an HO 03 or an HO 05 policy. B. Coverages contained in this endorsement are:

▪ Personal Property (Coverage C) Replacement Cost Coverage ▪ Increased Coverage C to 75% of Coverage A ▪ Coverage D extended for one week when untenantability occurs due to civil authority or

power interruption ▪ Special Computer Coverage – $20,000 per occurrence ▪ Refrigerated Products – loss due to power failure: $500 per occurrence ▪ Backup of Sewers, Drains or Sumps – $5,000 per occurrence (a $250 deductible applies) ▪ Lock Replacement when keys are lost or stolen – up to $500 per occurrence (no deductible

applies) ▪ Additional coverage amounts:

▪ Money increased from $200 to $500 ▪ Securities increased from $1,500 to $2,000 ▪ Credit Cards, Fund Transfer Cards, Forgery increased from $500 to $5,000 ▪ Jewelry, Watches & Furs increased from $1,500 to $10,000 ▪ Electronic Apparatus in a Motor Vehicle increased from $1,000 to $5,000 ▪ Silverware, Goldware & Pewterware increased from $2,500 to $5,000 ▪ Business Property

▪ On premises increased from $2,500 to $10,000 ▪ Off premises increased from $250 to $1,000

▪ Loss Assessment increased from $1,000 to $10,000 ▪ Personal Liability – increased to $500,000 ▪ Medical Payments to Others – increased to $5,000 for each person ▪ Personal Injury Liability ▪ Property Damage to property of others increased from $500 to $1,000 ▪ Tree Debris Removal (covered structure damage or no damage $2,000 ($500/tree) to

covered structure but blocked driveway/handicap ramp; and when caused by weight of ice, snow or sleet, or wind or hail.

▪ Extended Theft Coverage for Residence Premises Occasionally Rented to Others. C. To develop the premium for this option, multiply the All Other Perils and Wind Premiums by a factor of 1.20. Use Endorsement UPC 419 – Ultra Endorsement



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Rule 830. PREMIER CONDOMINIUM ENDORSEMENT

A. For an additional charge the Premier Protective Condominium Endorsement may be added to an HO

06 policy.

B. Coverages contained in this endorsement are:

▪ Personal Property (Coverage C) Replacement Cost Coverage

▪ Coverage D up to one week when untenantability occurs due to civil authority or power

interruption

▪ Personal Injury Liability

▪ Loss Assessment increased from $1,000 to $10,000

▪ Refrigerated Products – loss due to power failure: $500 per occurrence

▪ Lock Replacement when keys are lost or stolen – up to $500 per occurrence (no deductible

applies)

▪ $500 Reward for an insured who provides information leading to a theft conviction stemming

from a covered loss

▪ Identity Theft Expense and Resolution Coverage up to $25,000

▪ Home System Protection Coverage up to $100,000

▪ Additional coverage amounts:

▪ Money increased from $200 to $300

▪ Securities increased from $1,500 to $2,000

▪ Credit Cards, Fund Transfer Cards, Forgery increased from $1,000 to $2,500

▪ Jewelry, Watches & Furs increased from $1,500 to $5,000, subject to a $2,500 maximum

per article, for loss by theft

▪ Silverware, Goldware & Pewterware increased from $2,500 to $5,000 for loss by theft

▪ Theft of Firearms increased from $2,500 to $5,000

▪ Business Property on Premises increased from $2,500 to $3,000

C. To develop the premium for this option, multiply the All Other Perils and Wind Premiums by a factor

of 1.30.

D. To avoid duplicate coverage, policies with the Premier Condominium Endorsement cannot have the

following individual endorsements: Personal Property Replacement Cost, Personal Injury,

Refrigerated Personal Property, Identity Theft Expense and Resolution Services, Home System

Protection, or Personal Property – Increased Special Limits.

E. Use Endorsements UPC 42 610 – Premier Condominium Endorsement



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Premier Protective Condominium Endorsement – HO 06 Only

A. For an additional charge the Premier Protective Condominium Endorsement may be added to an HO 06 policy.

B. Coverages contained in this endorsement are: ▪ Personal Property (Coverage C) Replacement Cost Coverage ▪ Coverage D extended for one week when untenantability occurs due to civil authority

or power interruption ▪ Special Computer Coverage – $5,000 per occurrence ▪ Refrigerated Products – loss due to power failure: $500 per occurrence ▪ Lock Replacement when keys are lost or stolen – up to $500 per occurrence (no

deductible applies) ▪ Additional coverage amounts:

▪ Money increased from $200 to $500 ▪ Securities increased from $1,500 to $2,000 ▪ Credit Cards, Fund Transfer Cards, Forgery increased from $500 to $5,000 ▪ Jewelry, Watches & Furs increased from $1,500 to $5,000 ▪ Electronic Apparatus in a Motor Vehicle increased from $1,000 to $5,000 ▪ Silverware, Goldware & Pewterware increased from $2,500 to $5,000 ▪ Business Property

▪ On premises increased from $2,500 to $10,000 ▪ Off premises increased from $250 to $1,000

▪ Loss Assessment increased from $1,000 to $10,000 ▪ Medical Payments to Others – increased by $1,000 for each person ▪ Personal Injury Liability ▪ Property Damage to property of others increased from $500 to $1,000

C. To develop the premium for this option, multiply the All Other Perils and Wind Premiums by a factor of 1.25.

Use Endorsement UPC 426 – Premier Protective Condominium Endorsement



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Rule 840. REFRIGERATED PERSONAL PROPERTY

The policy may be endorsed to provide $500 of coverage for covered property stored in freezers or

refrigerators on the residence premises for loss caused by power service interruption or mechanical

failure. A deductible of $100 applies.

Charge per policy = $10

Use Refrigerated Property Coverage Endorsement HO 04 98.




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Rule 850. UNIT-OWNERS RENTAL TO OTHERS

Risks that have any rental or home-sharing exposure will be rated as follows:

Annual/Semi-Annual Lease

When the property is rented under a lease on an annual or semi-annual basis.

Short-Term Rental or Home-Sharing: Entire Residence

When the entire residence premises, as shown in the Declarations, will be made available for home-

sharing host activities or rental without an annual or semi-annual lease.

Home-Sharing: Partial Residence

When a portion of the family unit with which the named insured resides, such as a private or shared

room, will be made available for home-sharing host activities. The named insured must occupy the

insured residence throughout the home-sharing activity for this definition to apply.

If more than one of the above classifications occurs during the policy term, the highest rating factor will

apply. Apply the appropriate rating factor to the all other perils premium.

Rental Type

Annual or Semi-Annual

Lease

Short-Term Lease or Home-Sharing:

Entire Property

Home-Sharing: Partial/Shared

Property

1.25 1.40 1.20

Use UPC 625 – Unit-Owners Rental To Others Endorsement




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Rule 860. RESIDENCE HELD IN TRUST

A. Coverage

A Homeowners policy may be endorsed to insure a trustee, and if applicable, a trust:

1. Under Section I – Property Coverages, for any insurable interest in the dwelling or other

structure held in trust; and

2. Under Section II – Liability Coverages, for bodily injury or property damage liability arising out

of the ownership, maintenance or use of an insured location held in trust.

B. Endorsement

1. Use Trust Endorsement HO 06 12 for HO 03 and HO 05 and use Trust Endorsement UPC 42 632

for HO 06.

2. The following must be shown in the endorsement:

a. The name and address of the Trust; and

b. The name and address of the trustee(s).

3. The Trust may also be listed as an Insured if the Trust can be recognized under applicable state

law as a legal entity with the capacity to sue or be sued in a court having jurisdiction.

C. Premium

Additional charges are provided for the trustee and any beneficiary and/or grantor. These charges

reflect Section II – Liability basic limits.

1. Trustee

The charge for the trustee applies whether or not the trustee resides on the residence premises.

Charge per policy = $24.

2. Beneficiary And/Or Grantor

a. Beneficiary or grantor is named in the endorsement; and

(1) Trustee resides on the residence premises = No add’l Charge

(2) Trustee does not reside on the residence premises = No add’l Charge

b. Beneficiary and grantor are named in the endorsement; and

(1) Trustee resides on the residence premises = No add’l Charge

(2) Trustee does not reside on the on the residence premises = No add’l Charge

3. Trustee

Medical Payments To Others Liability Premium:

$1,000 = $2.00

$2,500 = $4.00

$5,000 = $6.00




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Rule 870. SPECIAL COVERAGE

Special Coverage A Changes HO 06 Coverage A named perils to open perils, subject to policy conditions and exclusions. Automatically added to each HO 06 policy for no additional premium. Use Endorsement UPC 42 626 – Unit-Owners Coverage A Special Coverage

Special Coverage C

Changes HO 06 Coverage C named perils to open perils, subject to policy conditions and exclusions.

Available as an optional endorsement for HO 06 policies.

To develop the premium for this coverage, multiply the All Other Perils and Wind/Hail Premiums by a

factor of 1.15

Use Endorsement UPC 42 636 Unit-Owners Coverage C Special Coverage – Texas

Applies to HO 06 only.



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Rule 880. STUDENT AWAY FROM HOME

Introduction

The policy provides coverage for a full-time student, who was a resident of the named insured's household before moving out to attend school and is under the age of:

1. 24 and a relative of the named insured; or 2. 21 and in the care of the named insured or a resident relative. B. Coverage Description

The policy may be endorsed to provide coverage for other types of students who were residents of the named insured's household before moving out to attend school. For example, part time students or students older than 24.

C. Premium Determination

Coverage E Limit

100,000 $64

300,000 $77

500,000 $81

D. Endorsement

For HO 03, HO 05 and HO 04 use Additional Insured – Student Living Away From The Residence Premises Endorsement HO 05 27. For HO 06 use Additional Insured – Student Living Away From The Residence Premises Endorsement UPC 42 635.




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Rule 890. SUPPLEMENTAL LOSS ASSESSMENT COVERAGE

Provides increased coverage for assessments relating to the residence premises. Addition of loss

assessment midterm is subject to underwriter approval.

Limit Premium

$ 5,000 $15

$10,000 $25

For HO 03 and HO 05 use Endorsement HO 04 35 – Supplemental Loss Assessment Coverage

For HO 06 use Endorsement UPC 42 649 – Supplemental Loss Assessment Coverage

Applies to HO 03, HO 05 and HO 06.



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Rule 910. DAMAGE TO PROPERTY OF OTHERS INCREASED LIMITS

The base policy limits damage to property of others to $1,000, which may be increased to higher limits

for additional premium, as shown below.

Limit Premium

$1,000 Included

$5,000 $5

Use Endorsement UPC 640 – Damage to Property of Others – Increased Limits

Applies to HO 06 Only



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Rule 920. ADDITIONAL RESIDENCE RENTED TO OTHERS

A. Introduction

The policy may be endorsed to provide coverage when an additional residence is rented to others. B. Premium

Coverage E Limit One Family Two Family

100,000 $11 $18

300,000 $12 $20

500,000 $14 $22

C. Endorsement

For HO 03 and HO 05 use Additional Residence Rented To Others Endorsement HO 24 70. For HO 06 use Additional Residence Rented To Others 1, 2, 3, or 4 Families Endorsement UPC 42

641.

Applies to HO 03, HO 05 and HO 06 only.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-930-1 Ed. 8/22/2018

Rule 930. DWELLING FOUNDATION COVERAGE

A. Introduction The policy does not provide coverage for loss to floor slabs or foundations caused by

seepage or leakage of water.

B. Coverage Description

The policy may be endorsed to provide coverage for settling, cracking, shrinking, bulging, or

expansion of foundations, floor slab or footings that support the dwelling caused by

seepage or leakage of water or steam from within a plumbing, heating, air conditioning or

automatic fire protective sprinkler system. The coverage includes the cost of tearing out

and replacing any part of the building necessary to repair the system from which the water

or steam escaped. The loss to the system from which the water or steam escaped is not

covered. The coverage is limited to 15% of the amount of insurance for Coverage A –

Dwelling on the date of the loss.

C. Premium

D. Endorsement

Use Foundation Coverage – Texas Endorsement UPC 04 68.


Territory Factor

10-19, 21-27, 61-64, 81-84, 166 1.05

31-36, 111-117, 121-125, 161, 169, 181, 182, 201 1.03

41-44, 131-137, 151, 156, 157, 196 1.04

51-55 1.10

71-73, 141-148 1.01

91-95 1.10

101-107 1.08

171-174, 191-193 1.02



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-940-1 Ed. 8/22/2018

Rule 940. RESIDENCE EMPLOYEES

There is no additional charge for up to two residence employees.

For each additional residence employee = $5

Charges do not apply to employees working less than half of the customary full time or to whom

workers’ compensation exclusion applies as stated in Section II of the policy.




NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-945-1 Ed. 8/22/2018

Rule 945. WATER DAMAGE COVERAGE

A. Introduction The policy does not provide coverage for loss caused by seepage or leakage of water or steam.

B. Coverage Description The policy may be endorsed to provide coverage for deterioration, wet rot, or dry rot to

Coverage A – Dwelling and Coverage C – Personal Property caused by constant or repeated

seepage or leakage of water or steam from heating, air conditioning systems or automatic fire

sprinkler systems, household appliances, or plumbing systems. The coverage includes the cost of

tearing out and replacing any part of the building necessary to repair the system or appliance

from which the water or steam escaped, but does not include the loss to the system or appliance

from which the water of steam escaped.

C. Premium 1. Forms HO 03 And HO 05

Multiply the All Other Perils Premium by the following factors:

Territory Factor

10 - 19, 41 - 44, 51 - 55, 101 - 107, 141 - 148 1.06

21 - 27, 81 - 84, 161, 169 1.05

31 - 36, 121 - 125, 131 - 137, 151, 156, 157, 166, 171 - 174, 181,

182, 201 1.04

61 - 64, 111 - 117 1.08

71 - 73 1.09

91 - 95 1.10

191 - 193, 196 1.03

Rule

2. Forms HO 04 and HO 06 Multiply the previous All Other Perils rating step by a factor of 1.03.

D. Endorsement Use the following Water Damage Coverage – Texas Endorsements:

1. HO 04 67 for use with Forms HO 03 and HO 05 only; 2. HO 04 34 for use with Form HO 04 only; 3. UPC 42 642 for use with Form HO 06 only.

HO 06 policies with UPC 42 644 – Limited Water Damage Coverage are not eligible to purchase this endorsement.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-950-1 Ed. 8/22/2018

RATING TIER

Rule 950. RATING TIER DETERMINATION

Consumer data gathered from the applicant and third party providers determines new business tier

placement. Criteria used for tier placement include the applicant’s liability limit on the prior

homeowner policy, insurance score, and paid prior claims. Proof of prior insurance in the form of a

declarations page showing the prior liability limit must be retained in agent’s file. These documents will

be subject to review during an audit. Paid prior claims will be used as part of the tiering placement for a

period of three years from the date of loss. Prior claims do not include those claims caused by: natural

causes or water damage that was appliance related and properly remediated, unless there have been

three or more within the last three years.

Tiering will be evaluated at each renewal. Upon renewal, prior losses will also include any paid by UPC,

according to the same rules stated above, and losses that had occurring more than three years before

the renewal date will be removed from consideration. The current policy’s liability limits from the

previous policy period with UPC will be used to determine the renewal policy’s prior liability limit.

UPC will update insurance score up to once per year at the request of the insured. An insurance score

will never be used as the sole determinant of eligibility. If an applicant or insured can prove that an

“extraordinary life event” (e.g., catastrophic illness, temporary loss of employment, divorce, death in

family, military deployment overseas, etc.,) negatively impacted their insurance score, then the impact

of this event will be removed from the score and the policy re-rated.

*customers without the minimum amount of information necessary to calculate an insurance score will

be rated with no score


Tier Placement by Claims within the Prior

Three Years

Prior Liability Limit Insurance Score 0 1 2 or more

300K 876 - 997 6 14 15

300K 826 - 875 7 14 16

300K 801 - 825 7 15 17

300K 776 - 800 8 16 18

300K 751 - 775 9 17 19

300K 726 - 750 11 18 20

300K 701 - 725 13 20 22

300K 676 - 700 15 21 23

300K 651 - 675 16 23 25

300K 626 - 650 17 23 25

300K 601 - 625 17 23 25

300K 576 - 600 18 25 28

300K 551 - 575 19 28 28

300K 0 - 550 22 28 28



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-950-2 Ed. 8/22/2018

Tier Placement by Claims within the Prior

Three Years

Prior Liability Limit Insurance Score 0 1 2 or more

300K No Score* 13 20 22

No Prior Liability & 100K 876 - 997 9 17 18














No Prior Liability & 100K No Score* 16 23 25

1st-time Owner 876 - 997 6 14 16

1st-time Owner 826 - 875 7 15 17

1st-time Owner 801 - 825 8 15 17

1st-time Owner 776 - 800 9 17 18

1st-time Owner 751 - 775 10 17 19

1st-time Owner 726 - 750 12 19 21

1st-time Owner 701 - 725 14 21 22

1st-time Owner 676 - 700 15 22 25

1st-time Owner 651 - 675 17 23 25

1st-time Owner 626 - 650 17 25 28

1st-time Owner 601 - 625 18 25 28

1st-time Owner 576 - 600 19 25 28

1st-time Owner 551 - 575 20 28 28

1st-time Owner 0 - 550 23 28 28

1st-time Owner No Score* 14 21 23



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-960-1 Ed. 8/22/2018

Rule 960. TIER FACTORS

Tier HO 03 / HO 05 Factor HO 04 / HO 06 Factor

AOP Wind / Hail AOP Wind / Hail

1 0.485 0.485 0.485 1.000

2 0.509 0.509 0.509 1.000

3 0.534 0.534 0.534 1.000

4 0.561 0.561 0.561 1.000

5 0.589 0.589 0.589 1.000

6 0.618 0.618 0.618 1.000

7 0.644 0.644 0.644 1.000

8 0.686 0.686 0.686 1.000

9 0.700 0.700 0.700 1.000

10 0.725 0.725 0.725 1.000

11 0.750 0.750 0.750 1.000

12 0.775 0.775 0.775 1.000

13 0.875 0.875 0.875 1.000

14 0.900 0.900 0.900 1.000

15 0.950 0.950 0.950 1.000

16 1.050 1.050 1.050 1.000

17 1.150 1.150 1.150 1.150

18 1.250 1.250 1.250 1.250

19 1.325 1.325 1.325 1.325

20 1.406 1.406 1.406 1.406

21 1.487 1.487 1.487 1.487

22 1.566 1.566 1.566 1.566

23 1.669 1.669 1.669 1.669

24 1.744 1.744 1.744 1.744

25 1.818 1.818 1.818 1.818

26 1.928 1.928 1.928 1.928

27 2.046 2.046 2.046 2.046

28 2.149 2.149 2.149 2.149

29 2.256 2.256 2.256 2.256

30 2.369 2.369 2.369 2.369



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1010-1 Ed. 8/22/2018

PREMIUM COMPUTATION

Rule 1010. BASE RATES

Base Premium

Wind

Form AOP Hurricane Tornado/Hail

HO 03 $355 $187 $553

HO 05 $355 $187 $553

HO 04 $93 $32 $20

HO 06 $275 $40 $118



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1020-1 Ed. 8/22/2018

Rule 1020. POLICY FORM RATING FACTOR

Form Form Name Factor

HO 03 HO 00 03 1.00

HO 04 HO 00 04 1.00

HO 05 HO 00 05 1.15

HO 06 UPC TX 06 1.00



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1030-1 Ed. 8/22/2018

Rule 1030. PROTECTION CLASS / CONSTRUCTION FACTORS

Protection

Class

AOP

Wind/Hail

Frame

Masonry

Veneer /

HardiPlank

Masonry Superior Frame

Masonry

Veneer /

HardiPlank

Masonry Superior

1 1.06 1.03 1.00 1.00 1.00 0.92 0.83 0.83

2 1.06 1.03 1.00 1.00 1.00 0.92 0.83 0.83

3 1.06 1.03 1.00 1.00 1.00 0.92 0.83 0.83

4 1.06 1.03 1.00 1.00 1.00 0.92 0.83 0.83

5 1.06 1.03 1.00 1.00 1.00 0.92 0.83 0.83

6 1.16 1.11 1.05 1.05 1.00 0.92 0.83 0.83

7 1.19 1.12 1.05 1.05 1.00 0.92 0.83 0.83

8 1.30 1.25 1.20 1.20 1.00 0.92 0.83 0.83

9 1.40 1.33 1.25 1.25 1.00 0.92 0.83 0.83

10 2.00 1.75 1.50 1.50 1.00 0.92 0.83 0.83



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1040-1 Ed. 8/22/2018

Rule 1040. KEY FACTORS

HO 03 & HO 05

Cov A AOP Wind/ Hail

75,000 0.800 0.800

80,000 0.813 0.813

85,000 0.827 0.827

90,000 0.840 0.840

95,000 0.853 0.853

100,000 0.867 0.867

105,000 0.880 0.880

110,000 0.893 0.893

115,000 0.907 0.907

120,000 0.920 0.920

125,000 0.933 0.933

130,000 0.947 0.947

135,000 0.960 0.960

140,000 0.973 0.973

145,000 0.987 0.987

150,000 1.000 1.000

155,000 1.023 1.023

160,000 1.047 1.047

165,000 1.070 1.070

170,000 1.093 1.093

175,000 1.117 1.117

180,000 1.140 1.140

185,000 1.163 1.163

190,000 1.187 1.187

195,000 1.210 1.210

200,000 1.233 1.233

205,000 1.257 1.257

210,000 1.280 1.280

215,000 1.303 1.303

220,000 1.327 1.327

225,000 1.350 1.350

230,000 1.373 1.373

235,000 1.397 1.397

240,000 1.420 1.420

245,000 1.443 1.443

250,000 1.467 1.467

255,000 1.490 1.490

260,000 1.513 1.513

265,000 1.537 1.537

270,000 1.560 1.560

275,000 1.583 1.583

280,000 1.607 1.607

285,000 1.630 1.630

290,000 1.653 1.653

295,000 1.677 1.677

Cov A AOP Wind/ Hail

300,000 1.700 1.700

305,000 1.723 1.723

310,000 1.747 1.747

315,000 1.770 1.770

320,000 1.793 1.793

325,000 1.817 1.817

330,000 1.840 1.840

335,000 1.864 1.864

340,000 1.887 1.887

345,000 1.910 1.910

350,000 1.934 1.934

355,000 1.957 1.957

360,000 1.980 1.980

365,000 2.004 2.004

370,000 2.027 2.027

375,000 2.050 2.050

380,000 2.074 2.074

385,000 2.097 2.097

390,000 2.120 2.120

395,000 2.144 2.144

400,000 2.167 2.167

405,000 2.190 2.190

410,000 2.214 2.214

415,000 2.237 2.237

420,000 2.260 2.260

425,000 2.284 2.284

430,000 2.307 2.307

435,000 2.330 2.330

440,000 2.354 2.354

445,000 2.377 2.377

450,000 2.401 2.401

455,000 2.424 2.424

460,000 2.447 2.447

465,000 2.471 2.471

470,000 2.494 2.494

475,000 2.517 2.517

480,000 2.541 2.541

485,000 2.564 2.564

490,000 2.587 2.587

495,000 2.611 2.611

500,000 2.634 2.634

Each Add'l $1,000

0.00467 0.00467



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1040-2 Ed. 8/22/2018

HO 04

Cov C ($) AOP Wind/Hail

10,000 0.515 0.286

15,000 0.605 0.429

20,000 0.704 0.571

25,000 0.821 0.714

30,000 0.907 0.857

35,000 1.000 1.000

40,000 1.100 1.143

45,000 1.200 1.286

50,000 1.300 1.429

55,000 1.400 1.571

60,000 1.500 1.714

65,000 1.600 1.857

70,000 1.700 2.000

75,000 1.800 2.143

80,000 1.900 2.286

Each Add'l $1,000

0.0200 0.0286



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1040-0 Ed. 8/22/2018

HO 06

Cov A + C AOP Wind/Hail

15,000 0.485 0.485

20,000 0.515 0.515

25,000 0.545 0.545

30,000 0.575 0.575

35,000 0.605 0.605

40,000 0.635 0.635

45,000 0.665 0.665

50,000 0.695 0.695

55,000 0.726 0.726

60,000 0.756 0.756

65,000 0.786 0.786

70,000 0.817 0.817

75,000 0.847 0.847

80,000 0.877 0.877

85,000 0.909 0.909

90,000 0.939 0.939

95,000 0.969 0.969

100,000 1.000 1.000

105,000 1.030 1.030

110,000 1.060 1.060

115,000 1.091 1.091

120,000 1.121 1.121

125,000 1.151 1.151

130,000 1.183 1.183

135,000 1.213 1.213

140,000 1.243 1.243

145,000 1.274 1.274

150,000 1.304 1.304

155,000 1.334 1.334

160,000 1.365 1.365

165,000 1.395 1.395

170,000 1.425 1.425

175,000 1.456 1.456

180,000 1.486 1.486

185,000 1.516 1.516

190,000 1.548 1.548

195,000 1.578 1.578

200,000 1.608 1.608

205,000 1.639 1.639

210,000 1.669 1.669

215,000 1.699 1.699

220,000 1.730 1.730

225,000 1.760 1.760

230,000 1.790 1.790

235,000 1.821 1.821

240,000 1.851 1.851

245,000 1.881 1.881

Cov A + C AOP Wind/Hail

250,000 1.913 1.913

255,000 1.943 1.943

260,000 1.973 1.973

265,000 2.004 2.004

270,000 2.034 2.034

275,000 2.064 2.064

280,000 2.095 2.095

285,000 2.125 2.125

290,000 2.155 2.155

295,000 2.186 2.186

300,000 2.216 2.216

The factor for coverage amounts greater than $300,000 is determined by dividing the coverage amount by $300,000 and multiplying the result by 2.216.



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-1 Ed. 8/22/2018

TERRITORY

Rule 1100. TERRITORY DEFINITIONS AND RATE FACTORS

All Other Perils Territory Relativities

Territory HO 03 &

HO 05 HO 04 HO 06

10 1.285 1.165 1.212

11 0.959 0.892 1.326

12 1.309 1.128 1.096

13 1.158 1.224 1.284

14 0.858 1.166 1.130

15 1.081 1.145 1.138

16 0.996 1.196 1.212

17 0.934 1.291 1.182

18 0.955 1.254 1.139

19 0.927 1.196 1.176

21 1.248 0.807 1.029

22 1.355 0.917 0.973

23 1.116 1.069 0.908

24 1.237 1.351 1.006

25 1.214 1.052 0.998

26 1.115 1.357 0.888

27 1.711 1.189 1.329

31 1.275 0.960 0.872

32 1.203 0.890 0.868

33 1.143 0.917 0.949

34 1.195 0.852 0.836

35 1.102 1.037 0.799

36 1.171 1.265 0.908

41 1.165 0.503 1.174

42 1.403 0.830 1.148

43 0.909 0.983 0.995

44 1.052 0.755 1.054

51 0.707 0.815 0.835

52 0.878 1.090 0.959

53 0.798 1.006 0.822

54 0.792 1.304 0.938

55 0.681 1.328 0.791

61 0.680 0.699 0.838

62 0.681 0.708 0.916

63 0.725 0.953 0.864

Territory HO 03 &

HO 05 HO 04 HO 06

64 0.762 0.881 0.843

71 0.698 0.934 1.182

72 0.741 0.811 1.027

73 0.643 0.800 0.979

81 0.812 0.901 1.026

82 1.046 1.068 0.937

83 1.085 0.925 0.992

84 1.342 0.971 1.065

91 1.169 1.074 0.930

92 1.003 1.134 0.846

93 1.069 1.128 0.849

94 1.048 1.006 0.850

95 1.228 0.917 0.759

101 1.206 1.082 0.814

102 0.923 1.043 0.961

103 0.973 1.026 0.953

104 1.175 1.459 1.210

105 1.164 1.009 0.830

106 0.823 0.981 0.869

107 1.689 1.311 1.275

111 0.871 0.928 0.927

112 0.818 0.937 0.959

113 1.272 1.163 1.144

114 0.895 1.197 1.370

115 0.872 0.787 1.141

116 0.794 0.876 0.995

117 1.352 1.529 1.378

121 0.807 1.049 0.834

122 0.619 1.097 0.737

123 0.641 0.921 0.753

124 0.677 0.806 0.700

125 0.931 0.921 1.064

131 0.592 0.844 0.791

132 0.635 0.883 0.918

133 0.506 0.735 0.926



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-2 Ed. 8/22/2018

Territory HO 03 &

HO 05 HO 04 HO 06

134 0.696 0.904 1.044

135 0.637 0.779 0.765

136 0.676 1.320 1.032

137 0.603 0.981 0.757

141 0.942 0.933 1.205

142 1.424 1.061 1.389

143 1.511 1.120 1.139

144 1.261 1.140 1.747

145 1.051 0.780 1.244

146 1.128 0.998 1.464

147 1.271 1.156 1.250

148 1.677 1.216 1.719

151 0.844 0.839 0.859

156 1.128 0.853 1.218

157 0.830 0.649 0.961

Territory HO 03 &

HO 05 HO 04 HO 06

161 1.365 0.930 1.212

166 1.005 0.846 1.042

169 1.196 0.807 1.097

171 1.516 1.008 1.581

172 1.415 1.264 1.542

173 1.568 1.167 1.654

174 1.824 1.001 1.570

181 0.901 0.905 0.869

182 1.000 1.056 0.833

191 1.442 0.984 1.080

192 1.481 1.154 1.130

193 1.224 0.933 1.169

196 1.161 1.045 1.017

201 0.943 0.771 0.907



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-3 Ed. 8/22/2018

Territory Definitions

Zip Code Terr

75001 23

75002 42

75006 23

75007 23

75009 43

75010 41

75013 41

75019 21

75020 174

75021 174

75022 42

75023 42

75024 41

75025 41

75028 22

75032 42

75033 42

75034 42

75035 42

75038 23

75039 21

75040 24

75041 24

75042 25

75043 24

75044 23

75048 21

75050 26

75051 26

75052 26

75054 26

75056 43

75057 44

75058 174

75060 25

75061 25

75062 25

75063 22

75065 43

75067 24

75068 44

Zip Code Terr

75069 44

75070 41

75071 41

75074 44

75075 42

75076 174

75077 42

75078 42

75080 22

75081 22

75082 21

75087 42

75088 21

75089 21

75090 174

75092 174

75093 41

75094 41

75098 22

75102 142

75103 172

75104 21

75105 142

75109 142

75110 142

75114 173

75115 21

75116 23

75117 172

75119 143

75124 142

75125 143

75126 173

75127 172

75134 23

75135 173

75137 22

75140 172

75141 24

75142 173

75143 173

Zip Code Terr

75144 142

75146 22

75147 173

75148 142

75149 24

75150 25

75152 143

75153 142

75154 143

75155 142

75156 142

75157 173

75158 173

75159 23

75160 173

75161 173

75163 142

75165 143

75166 42

75167 143

75169 172

75172 24

75173 43

75180 24

75181 21

75182 21

75189 44

75201 25

75202 27

75203 26

75204 25

75205 23

75206 26

75207 27

75208 26

75209 23

75210 26

75211 25

75212 26

75214 24

75215 27

Zip Code Terr

75216 27

75217 26

75218 24

75219 25

75220 25

75223 26

75224 25

75225 22

75226 26

75227 25

75228 26

75229 22

75230 22

75231 25

75232 24

75233 24

75234 23

75235 25

75236 23

75237 26

75238 23

75240 23

75241 24

75243 25

75244 22

75246 26

75247 26

75248 22

75249 22

75251 22

75252 22

75253 24

75254 24

75261 23

75287 22

75401 173

75402 173

75407 44

75409 44

75410 172

75411 173

Zip Code Terr

75412 172

75413 173

75414 174

75415 172

75416 173

75417 172

75418 173

75420 172

75421 173

75422 173

75423 173

75424 44

75426 172

75428 173

75431 172

75432 172

75433 172

75435 173

75436 172

75437 172

75438 173

75439 173

75440 172

75442 44

75446 173

75447 173

75448 172

75449 173

75450 172

75451 172

75452 173

75453 173

75454 43

75455 172

75457 172

75459 174

75460 173

75462 173

75468 173

75469 172

75470 173



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-4 Ed. 8/22/2018

Zip Code Terr

75471 172

75472 172

75473 173

75474 173

75475 173

75476 173

75477 173

75478 172

75479 173

75480 172

75481 172

75482 172

75486 173

75487 172

75488 173

75489 174

75490 173

75491 174

75492 173

75493 172

75494 172

75495 174

75496 173

75497 172

75501 172

75503 172

75550 172

75551 171

75554 172

75555 171

75556 171

75558 172

75559 172

75560 171

75561 172

75563 171

75564 171

75566 171

75567 172

75568 172

75569 172

75570 172

75571 172

75572 171

Zip Code Terr

75574 172

75601 141

75602 141

75603 141

75604 141

75605 141

75630 171

75631 141

75633 141

75638 172

75639 141

75640 171

75641 141

75643 141

75644 171

75645 171

75647 141

75650 171

75651 171

75652 142

75654 142

75656 171

75657 171

75661 171

75662 141

75667 142

75668 172

75669 141

75670 171

75672 171

75681 142

75683 171

75684 142

75685 141

75686 172

75691 142

75692 171

75693 141

75701 141

75702 141

75703 141

75704 141

75705 141

75706 141

Zip Code Terr

75707 141

75708 141

75709 141

75750 141

75751 142

75752 142

75754 172

75755 171

75756 142

75757 141

75758 142

75759 142

75760 142

75762 141

75763 142

75764 142

75765 172

75766 142

75770 142

75771 141

75773 172

75778 142

75780 142

75783 172

75784 142

75785 142

75788 142

75789 141

75790 172

75791 141

75792 141

75801 142

75803 142

75831 142

75833 142

75835 142

75838 142

75839 142

75840 142

75844 142

75845 142

75846 142

75847 142

75849 142

Zip Code Terr

75850 142

75851 142

75852 142

75853 142

75855 142

75856 142

75858 142

75859 142

75860 142

75861 142

75862 142

75901 142

75904 142

75925 142

75926 142

75928 148

75929 143

75930 143

75931 148

75932 148

75933 148

75934 146

75935 142

75936 146

75937 142

75938 146

75939 146

75941 142

75942 146

75943 142

75944 142

75946 142

75948 143

75949 142

75951 148

75954 142

75956 148

75959 143

75960 146

75961 142

75964 142

75965 142

75966 148

75968 143

Zip Code Terr

75969 142

75972 143

75973 142

75974 142

75975 142

75976 142

75977 148

75979 146

75980 142

76001 33

76002 33

76005 33

76006 33

76008 192

76009 161

76010 34

76011 33

76012 32

76013 33

76014 33

76015 33

76016 31

76017 32

76018 31

76020 32

76021 32

76022 34

76023 192

76028 161

76031 161

76033 161

76034 31

76035 161

76036 33

76039 33

76040 36

76041 143

76043 161

76044 161

76048 161

76049 161

76050 161

76051 24

76052 31



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-5 Ed. 8/22/2018

Zip Code Terr

76053 34

76054 31

76055 161

76058 161

76059 161

76060 33

76061 161

76063 31

76064 143

76065 143

76066 192

76067 191

76070 161

76071 192

76073 192

76077 161

76078 192

76082 192

76084 161

76085 192

76086 192

76087 192

76088 192

76092 31

76093 161

76102 36

76103 36

76104 36

76105 36

76106 36

76107 35

76108 33

76109 32

76110 36

76111 36

76112 36

76114 36

76115 35

76116 34

76117 36

76118 34

76119 36

76120 35

76123 32

Zip Code Terr

76126 33

76127 33

76131 32

76132 33

76133 33

76134 33

76135 34

76137 33

76140 33

76148 33

76155 35

76164 35

76177 31

76179 31

76180 32

76182 32

76201 44

76203 44

76205 44

76207 44

76208 44

76209 44

76210 44

76225 192

76226 41

76227 43

76228 196

76230 192

76233 174

76234 192

76238 193

76239 192

76240 193

76244 33

76245 174

76247 43

76248 31

76249 43

76250 193

76251 192

76252 193

76253 193

76255 192

76258 44

Zip Code Terr

76259 43

76261 192

76262 31

76263 193

76264 174

76265 192

76266 43

76270 192

76271 174

76272 193

76273 174

76301 196

76302 196

76305 196

76306 196

76308 196

76309 196

76310 196

76311 196

76351 196

76354 196

76357 196

76360 196

76363 196

76364 196

76365 196

76366 196

76367 196

76370 196

76371 196

76372 191

76373 196

76374 191

76377 196

76379 196

76380 196

76384 196

76388 196

76389 196

76401 161

76424 191

76426 192

76427 191

76429 191

Zip Code Terr

76430 196

76431 192

76432 161

76433 161

76435 161

76436 161

76437 161

76442 161

76443 166

76444 161

76445 161

76446 161

76448 161

76449 191

76450 191

76452 161

76453 191

76454 161

76455 161

76457 161

76458 191

76459 191

76460 191

76462 161

76463 191

76464 196

76469 166

76470 161

76471 161

76472 191

76474 161

76475 191

76476 161

76481 191

76483 196

76484 191

76486 191

76487 192

76490 192

76491 196

76501 136

76502 136

76504 136

76511 136

Zip Code Terr

76513 136

76518 133

76519 133

76520 133

76522 134

76523 133

76524 169

76525 134

76527 133

76528 134

76530 133

76531 161

76534 136

76537 133

76538 134

76539 132

76541 136

76542 136

76543 136

76544 136

76548 136

76549 136

76550 132

76554 136

76556 133

76557 169

76559 136

76561 134

76565 161

76566 134

76567 133

76569 136

76570 134

76571 136

76574 133

76577 133

76578 133

76579 136

76621 161

76622 161

76624 169

76626 142

76627 161

76629 134



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-6 Ed. 8/22/2018

Zip Code Terr

76630 169

76631 161

76632 134

76633 169

76634 161

76635 142

76636 161

76637 161

76638 169

76639 142

76640 169

76641 142

76642 142

76643 169

76645 161

76648 161

76649 161

76651 143

76652 161

76653 142

76655 169

76656 134

76657 169

76660 161

76661 134

76664 169

76665 161

76666 161

76667 142

76670 143

76671 161

76673 161

76676 161

76678 142

76679 142

76680 134

76681 142

76682 169

76685 134

76686 142

76687 142

76689 161

76690 161

76691 169

Zip Code Terr

76692 161

76693 142

76701 169

76704 169

76705 169

76706 169

76707 169

76708 169

76710 169

76711 169

76712 169

76801 161

76802 161

76820 131

76821 166

76823 161

76825 166

76827 161

76828 166

76831 132

76832 133

76834 166

76836 166

76837 166

76841 131

76842 131

76844 161

76845 166

76848 131

76849 131

76852 166

76853 132

76854 131

76856 131

76857 161

76858 166

76859 131

76861 166

76862 166

76864 161

76865 166

76866 166

76869 131

76870 161

Zip Code Terr

76871 133

76872 166

76873 166

76874 131

76875 166

76877 133

76878 166

76882 166

76883 123

76884 166

76885 132

76887 166

76888 166

76890 161

76901 157

76903 157

76904 157

76905 157

76908 157

76909 157

76930 156

76932 156

76933 156

76934 157

76935 157

76936 151

76937 166

76940 157

76941 156

76943 151

76945 156

76950 151

76951 156

76955 157

76957 157

76958 157

77002 15

77003 16

77004 16

77005 15

77006 15

77007 15

77008 15

77009 15

Zip Code Terr

77010 15

77011 16

77012 17

77013 16

77014 12

77015 17

77016 15

77017 17

77018 14

77019 15

77020 16

77021 16

77022 15

77023 16

77024 14

77025 16

77026 16

77027 15

77028 16

77029 16

77030 16

77031 15

77032 14

77033 17

77034 18

77035 16

77036 15

77037 15

77038 14

77039 14

77040 13

77041 14

77042 15

77043 14

77044 15

77045 17

77046 15

77047 17

77048 17

77049 17

77050 14

77051 17

77053 115

77054 16

Zip Code Terr

77055 14

77056 14

77057 14

77058 19

77059 18

77060 14

77061 17

77062 18

77063 15

77064 13

77065 12

77066 12

77067 14

77068 11

77069 11

77070 11

77071 15

77072 15

77073 12

77074 15

77075 18

77076 14

77077 14

77078 15

77079 13

77080 14

77081 15

77082 15

77083 15

77084 13

77085 13

77086 14

77087 17

77088 14

77089 18

77090 12

77091 14

77092 14

77093 15

77094 13

77095 12

77096 15

77098 15

77099 15



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-7 Ed. 8/22/2018

Zip Code Terr

77301 146

77302 146

77303 145

77304 144

77306 145

77316 145

77318 145

77320 143

77327 115

77328 115

77331 148

77335 146

77336 13

77338 12

77339 11

77340 143

77345 11

77346 13

77351 146

77354 145

77355 144

77356 144

77357 10

77358 143

77359 148

77360 146

77362 144

77363 143

77364 148

77365 10

77371 148

77372 144

77373 12

77374 113

77375 10

77376 113

77377 10

77378 144

77379 10

77380 146

77381 145

77382 10

77384 144

77385 145

Zip Code Terr

77386 146

77388 10

77389 10

77396 14

77399 146

77401 15

77406 115

77407 115

77412 137

77414 105

77417 115

77418 136

77419 105

77420 116

77422 101

77423 147

77426 134

77428 105

77429 10

77430 101

77433 12

77434 137

77435 116

77436 116

77437 116

77441 115

77442 137

77444 115

77445 147

77447 10

77448 116

77449 12

77450 12

77451 115

77454 116

77455 116

77456 105

77457 105

77458 105

77459 115

77461 115

77465 105

77466 147

77468 105

Zip Code Terr

77469 115

77470 137

77471 115

77474 136

77475 137

77477 115

77478 115

77479 115

77480 101

77482 105

77483 105

77484 10

77485 136

77486 101

77488 116

77489 115

77493 12

77494 115

77498 115

77502 17

77503 18

77504 17

77505 18

77506 17

77507 19

77510 81

77511 101

77514 104

77515 101

77517 81

77518 83

77519 113

77520 19

77521 18

77523 104

77530 17

77531 101

77532 14

77533 115

77534 101

77535 115

77536 18

77538 115

77539 82

Zip Code Terr

77541 101

77545 115

77546 81

77547 17

77550 84

77551 84

77554 84

77560 104

77562 16

77563 83

77564 115

77565 83

77566 101

77568 82

77571 19

77573 81

77575 115

77577 101

77578 101

77581 101

77582 115

77583 101

77584 101

77585 113

77586 19

77587 17

77590 83

77591 82

77597 104

77598 19

77611 117

77612 148

77613 104

77614 148

77616 146

77617 84

77619 104

77622 104

77623 84

77624 146

77625 113

77627 104

77629 104

77630 117

Zip Code Terr

77632 117

77640 107

77642 107

77650 84

77651 107

77655 107

77656 113

77657 113

77659 113

77660 146

77662 117

77663 113

77664 146

77665 104

77701 104

77702 104

77703 104

77705 104

77706 104

77707 104

77708 104

77713 104

77801 135

77802 135

77803 135

77807 135

77808 135

77830 143

77831 143

77833 134

77835 134

77836 133

77837 134

77840 135

77845 135

77853 133

77856 134

77857 133

77859 134

77861 143

77864 142

77865 142

77868 143

77871 142



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-8 Ed. 8/22/2018

Zip Code Terr

77872 142

77873 143

77879 133

77880 134

77901 115

77904 115

77905 115

77950 103

77951 115

77954 137

77957 117

77961 117

77962 117

77963 112

77964 137

77968 115

77970 117

77971 117

77974 137

77975 137

77979 107

77982 107

77983 107

77984 137

77988 115

77990 103

77991 117

77994 137

77995 137

78002 52

78003 123

78004 131

78005 122

78006 131

78007 125

78008 124

78009 122

78010 124

78011 124

78012 124

78013 131

78014 122

78015 131

78016 122

Zip Code Terr

78017 122

78019 122

78021 122

78022 111

78023 51

78024 124

78025 124

78026 124

78027 131

78028 124

78039 122

78040 122

78041 122

78043 122

78045 122

78046 122

78050 124

78052 124

78055 123

78056 122

78057 122

78058 124

78059 122

78061 122

78063 123

78064 124

78065 124

78066 122

78067 123

78069 53

78070 132

78071 111

78072 125

78073 53

78075 111

78076 123

78101 52

78102 113

78108 133

78109 52

78111 136

78112 52

78113 136

78114 131

Zip Code Terr

78116 136

78117 136

78118 136

78119 136

78121 131

78122 135

78123 133

78124 133

78130 132

78132 132

78133 132

78140 135

78141 137

78142 113

78145 113

78146 113

78147 131

78148 52

78150 53

78151 136

78152 52

78154 133

78155 133

78159 135

78160 131

78161 131

78162 113

78163 132

78164 137

78201 55

78202 55

78203 55

78204 55

78205 54

78206 54

78207 55

78208 55

78209 53

78210 55

78211 55

78212 54

78213 54

78214 55

78215 55

Zip Code Terr

78216 54

78217 54

78218 55

78219 53

78220 55

78221 55

78222 53

78223 55

78224 55

78225 55

78226 54

78227 54

78228 55

78229 54

78230 52

78231 51

78232 52

78233 53

78234 54

78235 54

78236 54

78237 55

78238 53

78239 52

78240 53

78242 54

78244 52

78245 53

78247 52

78248 51

78249 52

78250 52

78251 53

78252 53

78253 51

78254 51

78255 51

78256 51

78257 51

78258 51

78259 51

78260 51

78261 51

78263 52

Zip Code Terr

78264 52

78266 132

78330 91

78332 113

78336 102

78338 104

78339 91

78340 103

78341 125

78343 91

78344 122

78347 92

78349 125

78350 111

78351 91

78352 102

78353 113

78355 113

78357 125

78358 106

78359 102

78360 125

78361 125

78362 102

78363 104

78368 102

78369 122

78370 102

78372 113

78373 95

78374 102

78375 113

78376 125

78377 103

78379 104

78380 91

78382 106

78383 113

78384 125

78385 104

78387 102

78389 113

78390 102

78391 113



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-9 Ed. 8/22/2018

Zip Code Terr

78393 103

78401 94

78402 94

78404 93

78405 92

78406 91

78407 92

78408 92

78409 91

78410 91

78411 93

78412 94

78413 91

78414 93

78415 92

78416 92

78417 91

78418 95

78419 95

78501 114

78503 114

78504 114

78516 114

78520 102

78521 102

78526 102

78535 102

78536 125

78537 114

78538 114

78539 114

78541 114

78542 114

78543 114

78548 125

78549 114

78550 102

78552 102

78557 114

78558 114

78559 102

78560 114

78562 114

78563 114

Zip Code Terr

78564 123

78565 114

78566 102

78567 102

78569 101

78570 114

78572 114

78573 114

78574 114

78575 102

78576 114

78577 114

78578 102

78580 101

78582 125

78583 102

78584 125

78586 102

78588 125

78589 114

78591 125

78592 102

78593 102

78595 114

78596 114

78597 102

78598 101

78599 114

78602 133

78605 132

78606 132

78607 132

78608 132

78609 132

78610 133

78611 132

78612 133

78613 133

78614 135

78615 133

78616 133

78617 63

78618 131

78619 133

Zip Code Terr

78620 133

78621 133

78623 132

78624 131

78626 133

78628 133

78629 135

78631 131

78632 135

78633 133

78634 133

78635 132

78636 132

78638 133

78639 132

78640 133

78641 133

78642 133

78643 132

78644 133

78645 62

78648 133

78650 133

78652 61

78653 63

78654 132

78655 133

78656 133

78657 132

78659 133

78660 62

78661 133

78662 133

78663 132

78664 133

78665 133

78666 133

78669 62

78670 133

78671 131

78672 132

78675 131

78676 133

78677 135

Zip Code Terr

78681 133

78701 64

78702 64

78703 62

78704 64

78705 64

78712 64

78717 133

78719 63

78721 64

78722 64

78723 64

78724 63

78725 62

78726 61

78727 62

78728 62

78729 133

78730 61

78731 61

78732 61

78733 61

78734 61

78735 61

78736 61

78737 133

78738 61

78739 61

78741 64

78742 64

78744 64

78745 64

78746 61

78747 61

78748 62

78749 62

78750 61

78751 64

78752 64

78753 64

78754 63

78756 62

78757 64

78758 64

Zip Code Terr

78759 62

78801 121

78827 121

78828 123

78829 121

78830 121

78832 121

78833 123

78834 121

78836 121

78837 122

78838 121

78839 121

78840 122

78843 122

78850 122

78851 151

78852 121

78861 122

78870 121

78871 122

78872 121

78873 123

78877 121

78879 123

78880 123

78881 121

78883 123

78884 121

78885 123

78886 122

78931 136

78932 134

78933 136

78934 137

78935 137

78938 134

78940 134

78941 134

78942 133

78943 137

78944 136

78945 134

78946 134



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-10 Ed. 8/22/2018

Zip Code Terr

78947 133

78948 133

78949 134

78950 136

78951 137

78953 133

78954 134

78956 134

78957 133

78959 135

78962 137

78963 134

79001 201

79002 201

79003 201

79005 201

79007 201

79009 181

79010 201

79011 201

79012 201

79013 201

79014 201

79015 201

79018 201

79019 201

79021 181

79022 201

79024 201

79027 181

79029 201

79031 181

79032 181

79033 201

79034 201

79035 181

79036 201

79039 201

79040 201

79041 181

79042 181

79043 181

79044 201

79045 201

Zip Code Terr

79046 201

79051 201

79052 181

79054 201

79056 201

79057 201

79058 201

79059 201

79061 201

79062 201

79063 181

79064 181

79065 201

79068 201

79070 201

79072 181

79078 201

79079 201

79080 201

79081 201

79082 181

79083 201

79084 201

79085 181

79086 201

79087 201

79088 181

79092 201

79093 201

79094 201

79095 201

79096 201

79097 201

79098 201

79101 201

79102 201

79103 201

79104 201

79106 201

79107 201

79108 201

79109 201

79110 201

79111 201

Zip Code Terr

79118 201

79119 201

79121 201

79124 201

79201 181

79220 181

79221 181

79223 181

79225 196

79226 201

79227 196

79229 181

79230 201

79233 181

79234 181

79235 181

79237 201

79239 181

79240 201

79241 181

79243 181

79244 181

79245 181

79247 196

79248 181

79250 181

79251 201

79252 196

79255 181

79256 181

79257 181

79258 181

79259 181

79261 181

79311 181

79312 181

79313 181

79314 181

79316 181

79322 181

79323 181

79324 181

79325 181

79326 181

Zip Code Terr

79329 182

79330 181

79331 181

79336 181

79339 181

79342 181

79343 181

79344 181

79345 181

79346 181

79347 181

79350 182

79351 181

79353 181

79355 181

79356 181

79357 181

79358 181

79359 181

79360 181

79363 182

79364 182

79366 182

79367 181

79370 181

79371 181

79372 181

79373 181

79376 181

79377 181

79379 181

79381 181

79382 182

79401 182

79403 182

79404 182

79407 182

79409 182

79410 182

79411 182

79412 182

79413 182

79414 182

79415 182

Zip Code Terr

79416 182

79423 182

79424 182

79501 196

79502 181

79503 196

79504 166

79505 196

79506 156

79508 166

79510 166

79511 156

79512 156

79517 181

79518 181

79519 166

79520 196

79521 196

79525 196

79526 181

79527 181

79528 181

79529 196

79530 166

79532 156

79533 196

79534 181

79535 156

79536 166

79537 156

79538 166

79539 196

79540 181

79541 166

79543 181

79544 196

79545 156

79546 181

79547 196

79548 196

79549 181

79553 196

79556 156

79560 181



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-11 Ed. 8/22/2018

Zip Code Terr

79561 166

79562 166

79563 166

79565 156

79566 166

79567 166

79601 166

79602 166

79603 166

79605 166

79606 166

79607 166

79701 157

79703 157

79705 157

79706 157

79707 157

79713 156

79714 156

79718 151

79719 156

79720 156

79730 151

79731 156

79733 156

Zip Code Terr

79734 151

79735 151

79738 181

79739 156

79740 151

79741 157

79742 156

79743 151

79744 151

79745 156

79748 156

79749 156

79752 156

79754 151

79755 156

79756 156

79758 157

79759 157

79761 157

79762 157

79763 157

79764 157

79765 157

79766 157

79772 151

Zip Code Terr

79777 156

79778 156

79782 156

79783 156

79785 151

79788 156

79789 156

79821 72

79830 151

79834 151

79835 72

79836 72

79837 151

79838 72

79839 151

79842 151

79843 151

79845 151

79847 151

79848 151

79849 72

79851 151

79852 151

79853 72

79854 151

Zip Code Terr

79855 72

79901 73

79902 73

79903 73

79904 72

79905 73

79906 73

79907 73

79908 73

79911 73

79912 72

79915 73

79918 73

79922 71

79924 72

79925 73

79927 72

79928 72

79930 73

79932 71

79934 72

79935 72

79936 72

79938 72

75132 44

Zip Code Terr

75978 142

76113 36

76121 36

77279 15

77315 14

77367 143

77415 105

77440 105

77443 116

77453 116

77464 115

77476 115

77561 115

77574 81

77580 104

77588 101

77615 148

77661 104

77977 107

78547 125

78561 101

78568 102

78579 114

78590 101

78594 101



NB Eff 1/1/2019 - RB Eff 2/28/2019 HO-1100-12 Ed. 8/22/2018

Hurricane Territory Relativities Applies to HO 03, HO 05 only

Territory Factor

10 0.801

11 0.803

12 0.766

13 0.814

14 0.801

15 0.837

16 0.813

17 0.786

18 0.875

19 0.980

21 0.776

22 0.807

23 0.795

24 0.783

25 0.779

26 0.780

27 0.915

31 0.756

32 0.773

33 0.749

34 0.756

35 0.764

36 0.756

41 0.863

42 0.787

Territory Factor

43 0.770

44 0.787

51 0.617

52 0.613

53 0.611

54 0.629

55 0.617

61 0.635

62 0.626

63 0.622

64 0.624

71 0.631

72 0.643

73 0.629

81 0.971

82 0.826

83 0.935

84 0.920

91 0.788

92 0.792

93 0.866

94 0.898

95 0.843

101 0.894

102 0.761

Territory Factor

103 0.777

104 0.877

105 0.812

106 0.774

107 0.800

111 0.769

112 0.750

113 0.686

114 0.772

115 0.883

116 0.637

117 0.698

121 0.776

122 0.612

123 0.625

124 0.629

125 0.754

131 0.618

132 0.605

133 0.599

134 0.628

135 0.646

136 0.629

137 0.626

141 0.683

Territory Factor

142 0.779

143 0.759

144 0.783

145 0.781

146 0.675

147 0.788

148 0.680

151 0.628

156 0.783

157 0.629

161 0.750

166 0.770

169 0.770

171 0.782

172 0.772

173 0.776

174 0.785

181 0.786

182 0.770

191 0.769

192 0.762

193 0.782

196 0.764

201 0.915



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-13 Ed. 8/22/2018

Distance to Coast ZIP Code Relativities Applies to HO 03 and HO 05

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75001 0.117 0.117

75002 0.178 0.178

75006 0.124 0.124

75007 0.132 0.132

75009 0.173 0.173

75010 0.136 0.136

75013 0.140 0.140

75019 0.136 0.136

75020 0.101 0.101

75021 0.111 0.111

75022 0.151 0.151

75023 0.123 0.123

75024 0.123 0.123

75025 0.126 0.126

75028 0.144 0.144

75032 0.266 0.266

75033 0.157 0.157

75034 0.157 0.157

75035 0.143 0.143

75038 0.146 0.146

75039 0.146 0.146

75040 0.158 0.158

75041 0.154 0.154

75042 0.141 0.141

75043 0.222 0.222

75044 0.141 0.141

75048 0.191 0.191

75050 0.150 0.150

75051 0.154 0.154

75052 0.177 0.177

75054 0.205 0.205

75056 0.143 0.143

75057 0.158 0.158

75058 0.166 0.166

75060 0.161 0.161

75061 0.146 0.146

75062 0.145 0.145

75063 0.135 0.135

75065 0.162 0.162

75067 0.145 0.145

75068 0.184 0.184

75069 0.172 0.172

75070 0.143 0.143

75071 0.165 0.165

75074 0.148 0.148

75075 0.119 0.119

75076 0.123 0.123

75077 0.151 0.151

75078 0.166 0.166

75080 0.121 0.121

75081 0.129 0.129

75082 0.138 0.138

75087 0.244 0.244

75088 0.250 0.250

75089 0.215 0.215



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-14 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75090 0.130 0.130

75092 0.124 0.124

75093 0.121 0.121

75094 0.156 0.156

75098 0.226 0.226

75102 0.499 0.499

75103 0.362 0.362

75104 0.218 0.218

75105 0.424 0.424

75109 0.656 0.656

75110 0.515 0.515

75114 0.312 0.312

75115 0.220 0.220

75116 0.173 0.173

75117 0.293 0.293

75119 0.395 0.395

75124 0.414 0.414

75125 0.312 0.312

75126 0.277 0.277

75127 0.308 0.308

75134 0.214 0.214

75135 0.229 0.229

75137 0.185 0.185

75140 0.309 0.309

75141 0.230 0.230

75142 0.350 0.350

75143 0.434 0.434

75144 0.534 0.534

75146 0.267 0.267

75147 0.402 0.402

75148 0.484 0.484

75149 0.183 0.183

75150 0.167 0.167

75152 0.347 0.347

75153 0.485 0.485

75154 0.277 0.277

75155 0.449 0.449

75156 0.485 0.485

75157 0.354 0.354

75158 0.362 0.362

75159 0.292 0.292

75160 0.292 0.292

75161 0.302 0.302

75163 0.490 0.490

75165 0.357 0.357

75166 0.254 0.254

75167 0.341 0.341

75169 0.327 0.327

75172 0.260 0.260

75173 0.244 0.244

75180 0.190 0.190

75181 0.229 0.229

75182 0.239 0.239

75189 0.244 0.244

75201 0.154 0.154

75202 0.155 0.155

75203 0.157 0.157

75204 0.142 0.142

75205 0.137 0.137



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-15 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75206 0.136 0.136

75207 0.150 0.150

75208 0.155 0.155

75209 0.137 0.137

75210 0.156 0.156

75211 0.163 0.163

75212 0.154 0.154

75214 0.136 0.136

75215 0.157 0.157

75216 0.169 0.169

75217 0.191 0.191

75218 0.142 0.142

75219 0.141 0.141

75220 0.138 0.138

75223 0.151 0.151

75224 0.166 0.166

75225 0.134 0.134

75226 0.154 0.154

75227 0.161 0.161

75228 0.149 0.149

75229 0.136 0.136

75230 0.127 0.127

75231 0.135 0.135

75232 0.188 0.188

75233 0.166 0.166

75234 0.124 0.124

75235 0.139 0.139

75236 0.168 0.168

75237 0.183 0.183

75238 0.141 0.141

75240 0.119 0.119

75241 0.205 0.205

75243 0.127 0.127

75244 0.116 0.116

75246 0.153 0.153

75247 0.138 0.138

75248 0.118 0.118

75249 0.173 0.173

75251 0.120 0.120

75252 0.118 0.118

75253 0.246 0.246

75254 0.118 0.118

75261 0.136 0.136

75287 0.120 0.120

75401 0.213 0.213

75402 0.227 0.227

75407 0.220 0.220

75409 0.174 0.174

75410 0.304 0.304

75411 0.108 0.108

75412 0.105 0.105

75413 0.190 0.190

75414 0.134 0.134

75415 0.190 0.190

75416 0.150 0.150

75417 0.160 0.160

75418 0.151 0.151

75420 0.233 0.233

75421 0.161 0.161



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-16 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75422 0.219 0.219

75423 0.201 0.201

75424 0.191 0.191

75426 0.140 0.140

75428 0.202 0.202

75431 0.260 0.260

75432 0.210 0.210

75433 0.226 0.226

75435 0.185 0.185

75436 0.130 0.130

75437 0.201 0.201

75438 0.143 0.143

75439 0.154 0.154

75440 0.273 0.273

75442 0.222 0.222

75446 0.154 0.154

75447 0.116 0.116

75448 0.210 0.210

75449 0.185 0.185

75450 0.191 0.191

75451 0.233 0.233

75452 0.189 0.189

75453 0.255 0.255

75454 0.171 0.171

75455 0.208 0.208

75457 0.223 0.223

75459 0.149 0.149

75460 0.153 0.153

75462 0.158 0.158

75468 0.182 0.182

75469 0.191 0.191

75470 0.170 0.170

75471 0.251 0.251

75472 0.293 0.293

75473 0.118 0.118

75474 0.288 0.288

75475 0.160 0.160

75476 0.126 0.126

75477 0.180 0.180

75478 0.223 0.223

75479 0.139 0.139

75480 0.238 0.238

75481 0.197 0.197

75482 0.228 0.228

75486 0.121 0.121

75487 0.175 0.175

75488 0.114 0.114

75489 0.150 0.150

75490 0.178 0.178

75491 0.161 0.161

75492 0.154 0.154

75493 0.234 0.234

75494 0.235 0.235

75495 0.162 0.162

75496 0.192 0.192

75497 0.305 0.305

75501 0.177 0.177

75503 0.182 0.182

75550 0.142 0.142



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-17 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75551 0.199 0.199

75554 0.143 0.143

75555 0.214 0.214

75556 0.192 0.192

75558 0.183 0.183

75559 0.156 0.156

75560 0.194 0.194

75561 0.168 0.168

75563 0.191 0.191

75564 0.230 0.230

75566 0.174 0.174

75567 0.198 0.198

75568 0.176 0.176

75569 0.162 0.162

75570 0.163 0.163

75571 0.180 0.180

75572 0.192 0.192

75574 0.160 0.160

75601 0.342 0.342

75602 0.387 0.387

75603 0.395 0.395

75604 0.326 0.326

75605 0.313 0.313

75630 0.234 0.234

75631 0.490 0.490

75633 0.536 0.536

75638 0.199 0.199

75639 0.405 0.405

75640 0.278 0.278

75641 0.412 0.412

75643 0.607 0.607

75644 0.252 0.252

75645 0.277 0.277

75647 0.316 0.316

75650 0.347 0.347

75651 0.282 0.282

75652 0.498 0.498

75654 0.541 0.541

75656 0.194 0.194

75657 0.264 0.264

75661 0.299 0.299

75662 0.379 0.379

75667 0.579 0.579

75668 0.239 0.239

75669 0.596 0.596

75670 0.316 0.316

75672 0.343 0.343

75681 0.593 0.593

75683 0.244 0.244

75684 0.431 0.431

75685 0.373 0.373

75686 0.227 0.227

75691 0.470 0.470

75692 0.332 0.332

75693 0.316 0.316

75701 0.346 0.346

75702 0.337 0.337

75703 0.432 0.432

75704 0.345 0.345



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-18 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75705 0.374 0.374

75706 0.328 0.328

75707 0.416 0.416

75708 0.336 0.336

75709 0.374 0.374

75750 0.443 0.443

75751 0.481 0.481

75752 0.455 0.455

75754 0.371 0.371

75755 0.280 0.280

75756 0.408 0.408

75757 0.514 0.514

75758 0.436 0.436

75759 0.525 0.525

75760 0.598 0.598

75762 0.506 0.506

75763 0.509 0.509

75764 0.570 0.570

75765 0.268 0.268

75766 0.524 0.524

75770 0.485 0.485

75771 0.314 0.314

75773 0.265 0.265

75778 0.419 0.419

75780 0.560 0.560

75783 0.267 0.267

75784 0.549 0.549

75785 0.567 0.567

75788 0.560 0.560

75789 0.520 0.520

75790 0.346 0.346

75791 0.450 0.450

75792 0.326 0.326

75801 0.562 0.562

75803 0.542 0.542

75831 0.835 0.835

75833 1.138 1.138

75835 1.278 1.278

75838 0.867 0.867

75839 0.702 0.702

75840 0.627 0.627

75844 0.819 0.819

75845 1.297 1.134 1.297

75846 0.935 0.935

75847 1.029 1.029

75849 1.180 1.180

75850 1.326 1.326

75851 1.664 1.546 1.664

75852 1.806 1.755 1.806

75853 0.549 0.549

75855 0.805 0.805

75856 1.303 1.202 1.303

75858 0.940 0.940

75859 0.617 0.617

75860 0.702 0.702

75861 0.600 0.600

75862 1.701 1.701

75901 1.353 1.331 1.353

75904 1.198 1.198



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-19 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75925 0.766 0.766

75926 1.163 1.149 1.163

75928 3.001 3.001

75929 2.690 1.823 2.690

75930 2.714 1.357 2.714

75931 2.047 1.925 2.047

75932 2.001 2.001

75933 4.389 4.010 4.389

75934 1.835 1.835

75935 0.882 0.882

75936 1.823 1.823

75937 1.191 1.191

75938 2.046 2.046

75939 1.524 1.524

75941 1.295 1.246 1.295

75942 2.378 2.378

75943 0.725 0.725

75944 1.695 1.695

75946 0.758 0.758

75948 1.979 2.062 2.062

75949 1.417 1.521 1.521

75951 2.185 2.185

75954 0.839 0.839

75956 3.302 2.676 3.302

75959 1.694 1.694

75960 1.712 1.712

75961 1.127 1.127

75964 0.815 0.815

75965 0.839 0.839

75966 2.805 2.502 2.805

75968 1.838 1.435 1.838

75969 1.001 1.001

75972 1.147 1.147

75973 1.153 1.153

75974 0.696 0.696

75975 0.730 0.730

75976 0.980 0.980

75977 1.924 1.924

75979 2.664 2.441 2.664

75980 1.879 2.314 2.314

76001 0.168 0.168

76002 0.180 0.180

76005 0.140 0.140

76006 0.139 0.139

76008 0.204 0.204

76009 0.277 0.277

76010 0.145 0.145

76011 0.142 0.142

76012 0.138 0.138

76013 0.140 0.140

76014 0.173 0.173

76015 0.160 0.160

76016 0.158 0.158

76017 0.160 0.160

76018 0.174 0.174

76020 0.162 0.162

76021 0.130 0.130

76022 0.130 0.130

76023 0.155 0.155



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-20 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76028 0.216 0.216

76031 0.275 0.275

76033 0.255 0.255

76034 0.132 0.132

76035 0.239 0.239

76036 0.211 0.211

76039 0.134 0.134

76040 0.133 0.133

76041 0.392 0.392

76043 0.196 0.196

76044 0.260 0.260

76048 0.202 0.202

76049 0.218 0.218

76050 0.321 0.321

76051 0.139 0.139

76052 0.171 0.171

76053 0.131 0.131

76054 0.129 0.129

76055 0.364 0.364

76058 0.246 0.246

76059 0.265 0.265

76060 0.172 0.172

76061 0.140 0.140

76063 0.219 0.219

76064 0.337 0.337

76065 0.289 0.289

76066 0.163 0.163

76067 0.116 0.116

76070 0.207 0.207

76071 0.171 0.171

76073 0.140 0.140

76077 0.197 0.197

76078 0.169 0.169

76082 0.152 0.152

76084 0.292 0.292

76085 0.160 0.160

76086 0.171 0.171

76087 0.189 0.189

76088 0.151 0.151

76092 0.142 0.142

76093 0.306 0.306

76102 0.137 0.137

76103 0.143 0.143

76104 0.139 0.139

76105 0.145 0.145

76106 0.146 0.146

76107 0.139 0.139

76108 0.167 0.167

76109 0.151 0.151

76110 0.149 0.149

76111 0.139 0.139

76112 0.142 0.142

76114 0.140 0.140

76115 0.159 0.159

76116 0.159 0.159

76117 0.134 0.134

76118 0.136 0.136

76119 0.161 0.161

76120 0.137 0.137



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-21 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76123 0.179 0.179

76126 0.213 0.213

76127 0.145 0.145

76131 0.152 0.152

76132 0.184 0.184

76133 0.165 0.165

76134 0.163 0.163

76135 0.161 0.161

76137 0.139 0.139

76140 0.176 0.176

76148 0.131 0.131

76155 0.135 0.135

76164 0.133 0.133

76177 0.164 0.164

76179 0.167 0.167

76180 0.131 0.131

76182 0.131 0.131

76201 0.140 0.140

76203 0.140 0.140

76205 0.144 0.144

76207 0.146 0.146

76208 0.163 0.163

76209 0.141 0.141

76210 0.157 0.157

76225 0.111 0.111

76226 0.153 0.153

76227 0.165 0.165

76228 0.094 0.094

76230 0.090 0.090

76233 0.146 0.146

76234 0.142 0.142

76238 0.132 0.132

76239 0.107 0.107

76240 0.110 0.110

76244 0.145 0.145

76245 0.102 0.102

76247 0.167 0.167

76248 0.141 0.141

76249 0.158 0.158

76250 0.123 0.123

76251 0.090 0.090

76252 0.113 0.113

76253 0.130 0.130

76255 0.082 0.082

76258 0.170 0.170

76259 0.165 0.165

76261 0.089 0.089

76262 0.152 0.152

76263 0.122 0.122

76264 0.105 0.105

76265 0.088 0.088

76266 0.160 0.160

76270 0.097 0.097

76271 0.169 0.169

76272 0.155 0.155

76273 0.102 0.102

76301 0.063 0.063

76302 0.067 0.067

76305 0.067 0.067



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-22 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76306 0.055 0.055

76308 0.062 0.062

76309 0.061 0.061

76310 0.076 0.076

76311 0.054 0.054

76351 0.081 0.081

76354 0.057 0.057

76357 0.073 0.073

76360 0.054 0.054

76363 0.055 0.055

76364 0.045 0.045

76365 0.087 0.087

76366 0.072 0.072

76367 0.059 0.059

76370 0.072 0.072

76371 0.049 0.049

76372 0.085 0.085

76373 0.044 0.044

76374 0.082 0.082

76377 0.074 0.074

76379 0.086 0.086

76380 0.059 0.059

76384 0.040 0.040

76388 0.060 0.060

76389 0.087 0.087

76401 0.180 0.180

76424 0.119 0.119

76426 0.131 0.131

76427 0.091 0.091

76429 0.100 0.100

76430 0.108 0.108

76431 0.113 0.113

76432 0.182 0.182

76433 0.168 0.168

76435 0.146 0.146

76436 0.256 0.256

76437 0.122 0.122

76442 0.210 0.210

76443 0.129 0.129

76444 0.191 0.191

76445 0.135 0.135

76446 0.210 0.210

76448 0.139 0.139

76449 0.096 0.096

76450 0.094 0.094

76452 0.276 0.276

76453 0.125 0.125

76454 0.164 0.164

76455 0.258 0.258

76457 0.250 0.250

76458 0.104 0.104

76459 0.092 0.092

76460 0.093 0.093

76462 0.174 0.174

76463 0.131 0.131

76464 0.117 0.117

76469 0.114 0.114

76470 0.109 0.109

76471 0.145 0.145



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-23 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76472 0.145 0.145

76474 0.167 0.167

76475 0.095 0.095

76476 0.187 0.187

76481 0.096 0.096

76483 0.084 0.084

76484 0.105 0.105

76486 0.127 0.127

76487 0.142 0.142

76490 0.130 0.130

76491 0.101 0.101

76501 0.835 0.835

76502 0.671 0.671

76504 0.722 0.722

76511 0.958 0.958

76513 0.606 0.606

76518 0.999 0.999

76519 1.004 1.004

76520 1.004 1.004

76522 0.422 0.422

76523 0.945 0.945

76524 0.752 0.752

76525 0.318 0.318

76527 0.635 0.635

76528 0.409 0.409

76530 1.050 1.050

76531 0.293 0.293

76534 0.875 0.875

76537 0.866 0.866

76538 0.333 0.333

76539 0.416 0.416

76541 0.436 0.436

76542 0.501 0.501

76543 0.443 0.443

76544 0.416 0.416

76548 0.515 0.515

76549 0.444 0.444

76550 0.382 0.382

76554 0.823 0.823

76556 0.932 0.932

76557 0.675 0.675

76559 0.505 0.505

76561 0.517 0.517

76565 0.281 0.281

76566 0.346 0.346

76567 1.036 1.036

76569 0.959 0.959

76570 0.939 0.939

76571 0.732 0.732

76574 1.189 1.189

76577 1.082 1.082

76578 1.162 1.162

76579 0.794 0.794

76621 0.461 0.461

76622 0.405 0.405

76624 0.603 0.603

76626 0.476 0.476

76627 0.311 0.311

76629 0.865 0.865



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-24 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76630 0.704 0.704

76631 0.457 0.457

76632 0.742 0.742

76633 0.448 0.448

76634 0.355 0.355

76635 0.682 0.682

76636 0.340 0.340

76637 0.304 0.304

76638 0.511 0.511

76639 0.608 0.608

76640 0.484 0.484

76641 0.483 0.483

76642 0.802 0.802

76643 0.584 0.584

76645 0.411 0.411

76648 0.566 0.566

76649 0.253 0.253

76651 0.405 0.405

76652 0.245 0.245

76653 0.788 0.788

76655 0.664 0.664

76656 0.829 0.829

76657 0.592 0.592

76660 0.492 0.492

76661 0.820 0.820

76664 0.728 0.728

76665 0.282 0.282

76666 0.465 0.465

76667 0.714 0.714

76670 0.413 0.413

76671 0.291 0.291

76673 0.599 0.599

76676 0.522 0.522

76678 0.689 0.689

76679 0.577 0.577

76680 0.914 0.914

76681 0.635 0.635

76682 0.735 0.735

76685 0.730 0.730

76686 0.686 0.686

76687 0.816 0.816

76689 0.417 0.417

76690 0.225 0.225

76691 0.480 0.480

76692 0.370 0.370

76693 0.630 0.630

76701 0.457 0.457

76704 0.444 0.444

76705 0.519 0.519

76706 0.611 0.611

76707 0.441 0.441

76708 0.434 0.434

76710 0.462 0.462

76711 0.456 0.456

76712 0.518 0.518

76801 0.180 0.180

76802 0.183 0.183

76820 0.354 0.354

76821 0.119 0.119



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-25 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76823 0.178 0.178

76825 0.230 0.230

76827 0.199 0.199

76828 0.141 0.141

76831 0.383 0.383

76832 0.296 0.296

76834 0.138 0.138

76836 0.187 0.187

76837 0.169 0.169

76841 0.184 0.184

76842 0.290 0.290

76844 0.282 0.282

76845 0.175 0.175

76848 0.231 0.231

76849 0.229 0.229

76852 0.194 0.194

76853 0.318 0.318

76854 0.238 0.238

76856 0.290 0.290

76857 0.162 0.162

76858 0.206 0.206

76859 0.200 0.200

76861 0.106 0.106

76862 0.169 0.169

76864 0.235 0.235

76865 0.101 0.101

76866 0.140 0.140

76869 0.324 0.324

76870 0.255 0.255

76871 0.257 0.257

76872 0.221 0.221

76873 0.180 0.180

76874 0.206 0.206

76875 0.119 0.119

76877 0.260 0.260

76878 0.166 0.166

76882 0.128 0.128

76883 0.218 0.218

76884 0.150 0.150

76885 0.323 0.323

76887 0.267 0.267

76888 0.162 0.162

76890 0.199 0.199

76901 0.087 0.087

76903 0.084 0.084

76904 0.114 0.114

76905 0.099 0.099

76908 0.085 0.085

76909 0.080 0.080

76930 0.083 0.083

76932 0.064 0.064

76933 0.092 0.092

76934 0.083 0.083

76935 0.130 0.130

76936 0.125 0.125

76937 0.121 0.121

76940 0.115 0.115

76941 0.086 0.086

76943 0.087 0.087



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-26 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76945 0.080 0.080

76950 0.153 0.153

76951 0.069 0.069

76955 0.134 0.134

76957 0.110 0.110

76958 0.083 0.083

77002 6.510 6.510

77003 6.963 6.963

77004 7.378 6.960 7.378

77005 6.686 6.686

77006 6.706 6.706

77007 6.228 6.228

77008 5.979 5.979

77009 6.175 6.175

77010 6.486 6.486

77011 7.627 7.253 7.627

77012 8.422 8.150 8.422

77013 7.490 6.899 7.490

77014 4.884 4.884

77015 9.726 8.034 7.049 9.726

77016 5.650 5.650

77017 8.133 8.131 8.133

77018 5.704 5.704

77019 6.352 6.352

77020 7.186 6.862 7.186

77021 7.410 7.186 7.410

77022 5.796 5.796

77023 7.614 7.232 7.614

77024 6.106 5.825 6.106

77025 7.065 7.065

77026 6.373 6.373

77027 6.547 6.547

77028 6.356 6.069 6.356

77029 7.699 7.616 7.699

77030 6.885 6.885

77031 6.794 6.794

77032 5.549 5.529 5.549

77033 7.515 7.295 7.515

77034 9.275 8.564 9.275

77035 7.106 7.219 7.219

77036 6.559 6.514 6.559

77037 5.482 5.403 5.482

77038 5.423 5.303 5.423

77039 5.548 5.548

77040 5.323 5.323

77041 5.091 5.091

77042 5.976 5.976

77043 5.256 5.256

77044 6.981 6.308 6.981

77045 7.583 7.583

77046 6.558 6.558

77047 8.993 8.260 8.993

77048 8.325 8.095 8.325

77049 8.719 7.288 8.719

77050 5.662 5.423 5.662

77051 7.458 7.458

77053 8.608 8.608

77054 7.215 7.215

77055 6.004 5.797 6.004



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-27 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

77056 6.404 6.404

77057 6.441 6.147 6.441

77058 13.060 11.424 13.060

77059 11.241 10.252 11.241

77060 5.568 5.380 5.568

77061 8.175 8.243 8.243

77062 10.282 10.282

77063 6.504 6.427 6.504

77064 4.963 4.963

77065 4.679 4.679

77066 4.890 4.890

77067 5.119 5.119

77068 4.524 4.524

77069 4.686 4.686

77070 4.423 4.423

77071 6.979 6.958 6.979

77072 6.160 6.160

77073 5.009 5.009

77074 6.677 6.669 6.677

77075 8.465 8.600 8.600

77076 5.601 5.601

77077 5.434 5.434

77078 6.010 5.581 6.010

77079 5.274 5.274

77080 5.637 5.637

77081 6.698 6.698

77082 5.635 5.635

77083 6.102 6.102

77084 5.054 5.054

77085 7.433 7.226 7.433

77086 5.137 5.137

77087 7.705 7.705

77088 5.413 5.382 5.413

77089 8.936 8.936

77090 4.702 4.702

77091 5.540 5.512 5.540

77092 5.773 5.624 5.773

77093 5.665 5.665

77094 5.353 5.353

77095 4.924 4.924

77096 6.804 6.804

77098 6.584 6.584

77099 6.421 6.421

77301 3.142 3.142

77302 3.742 3.332 3.742

77303 3.291 3.291

77304 3.103 3.103

77306 3.810 3.475 3.810

77316 3.271 3.101 3.271

77318 3.378 3.378

77320 1.861 1.861

77327 4.410 3.841 3.484 4.410

77328 3.629 3.092 3.629

77331 3.119 4.363 4.363

77335 3.096 3.096

77336 6.388 4.600 6.388

77338 5.086 4.682 5.086

77339 5.062 4.516 5.062

77340 2.326 2.039 2.326



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-28 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

77345 5.723 4.732 5.723

77346 6.077 6.077

77351 2.974 2.242 2.974

77354 3.411 3.411

77355 3.454 3.454

77356 3.135 2.267 3.135

77357 5.007 4.089 5.007

77358 2.541 2.155 2.541

77359 1.892 2.088 2.088

77360 2.235 2.235

77362 3.654 3.654

77363 3.104 3.034 3.104

77364 2.826 2.804 2.826

77365 4.095 4.095

77371 3.230 3.230

77372 3.798 3.798

77373 4.132 4.132

77374 3.482 3.482

77375 4.131 3.883 4.131

77376 3.188 3.187 3.188

77377 4.228 4.246 4.246

77378 2.826 2.826

77379 4.249 4.249

77380 3.713 3.638 3.713

77381 3.646 3.501 3.646

77382 3.336 3.336

77384 3.292 3.292

77385 3.735 3.443 3.735

77386 4.758 3.922 4.758

77388 4.142 4.142

77389 3.848 3.620 3.848

77396 5.268 5.268

77399 2.666 2.666

77401 6.742 6.742

77406 7.441 7.131 7.441

77407 6.736 6.831 6.831

77412 4.556 4.556

77414 30.929 30.355 29.400 25.279 22.611 19.954 15.558 10.220 9.571 9.306 8.549 30.929

77417 8.657 8.657

77418 4.531 3.660 4.531

77419 8.423 8.423

77420 9.672 9.248 8.210 9.672

77422 30.550 28.944 26.495 25.080 23.842 18.585 10.682 8.269 7.568 7.981 30.550

77423 5.905 5.905

77426 3.456 3.456

77428 12.205 12.205

77429 4.403 4.666 4.666

77430 9.569 8.642 9.569

77433 5.203 5.685 5.685

77434 6.433 5.485 6.433

77435 7.717 7.717

77436 7.462 7.462

77437 9.993 8.396 9.993

77441 7.392 7.392

77442 5.550 4.291 5.550

77444 10.349 10.349

77445 4.485 3.700 4.485

77447 4.840 4.840

77448 8.005 8.005



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-29 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

77449 5.583 5.981 5.981

77450 5.722 5.994 5.994

77451 8.087 8.087

77454 6.479 6.479

77455 10.476 9.649 7.159 10.476

77456 9.518 9.518

77457 30.929 30.355 29.400 25.279 22.611 19.954 15.558 10.220 9.571 9.306 8.549 30.929

77458 8.532 8.532

77459 9.905 8.649 9.905

77461 9.932 9.291 9.932

77465 30.869 30.753 31.343 22.327 17.933 13.653 11.219 9.530 31.343

77466 5.915 5.915

77468 6.726 6.726

77469 9.182 9.036 9.182

77470 4.125 4.125

77471 8.525 8.429 8.525

77474 5.398 4.909 5.398

77475 3.226 3.226

77477 7.040 7.040

77478 7.057 7.057

77479 7.871 7.871

77480 7.579 7.348 7.501 6.528 7.579

77482 8.082 7.061 8.082

77483 30.929 30.355 29.400 25.279 22.611 19.954 15.558 10.220 9.571 9.306 8.549 30.929

77484 4.701 3.267 4.701

77485 6.760 5.743 6.760

77486 8.128 8.531 8.531

77488 9.469 8.295 9.469

77489 7.891 7.567 7.891

77493 6.305 6.305

77494 6.282 6.326 6.326

77498 6.871 6.871

77502 8.238 8.013 8.238

77503 8.741 8.742 8.742

77504 8.524 8.341 8.524

77505 9.144 9.144

77506 8.367 8.367

77507 17.706 17.980 14.964 10.332 17.980

77510 9.914 10.369 10.369

77511 27.412 19.565 12.069 9.894 10.174 27.412

77514 22.304 20.527 18.804 17.349 16.261 13.864 10.830 10.220 9.698 9.478 22.304

77515 14.294 11.543 9.636 10.135 14.294

77517 8.925 10.196 10.430 10.430

77518 26.076 24.674 23.518 17.656 15.365 26.076

77519 5.376 4.753 5.376

77520 13.945 13.389 12.011 10.841 13.945

77521 9.921 9.320 9.037 9.921

77523 18.708 17.898 17.116 16.646 15.029 11.508 7.783 18.708

77530 10.644 9.034 10.644

77531 10.150 9.534 10.150

77532 9.132 8.182 7.661 9.132

77533 6.087 6.087

77534 14.996 13.131 11.002 11.411 14.996

77535 12.356 8.709 8.130 7.894 6.169 4.566 12.356

77536 10.773 9.528 10.773

77538 9.325 10.207 10.413 7.868 10.413

77539 28.001 25.335 21.987 20.638 19.129 15.288 9.585 9.859 28.001

77541 33.539 32.767 30.774 28.966 27.228 21.464 17.671 13.719 33.539

77545 9.539 9.539



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-30 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

77546 8.574 7.904 8.574

77547 8.353 8.128 8.353

77550 31.768 30.622 28.689 28.001 30.113 30.145 31.768

77551 26.379 25.878 25.196 24.801 24.464 24.241 26.379

77554 34.628 34.343 33.273 30.770 28.445 26.395 24.973 34.628

77560 7.213 7.213

77562 9.658 9.825 9.825

77563 25.727 20.829 13.070 25.727

77564 5.939 5.121 5.939

77565 17.722 16.622 15.312 15.447 14.520 13.886 17.722

77566 8.995 8.978 9.902 9.902

77568 27.930 27.806 27.507 27.280 21.020 16.858 27.930

77571 21.222 19.610 18.256 17.528 16.095 13.520 11.264 21.222

77573 16.302 15.719 16.218 14.864 11.493 8.958 8.903 16.302

77575 8.685 8.155 7.438 6.223 4.738 8.685

77577 12.695 10.645 11.092 12.695

77578 8.479 8.652 8.652

77581 7.243 6.887 6.878 7.243

77582 8.384 8.384

77583 11.048 9.824 8.574 11.048

77584 7.588 7.602 7.145 7.602

77585 3.895 3.444 3.895

77586 31.471 27.966 23.972 23.029 21.830 17.749 31.471

77587 8.007 8.007

77590 30.951 29.757 26.502 24.415 23.263 18.614 30.951

77591 13.388 10.690 13.388

77597 10.509 8.271 8.214 10.509

77598 11.636 10.830 9.413 11.636

77611 17.099 12.752 17.099

77612 5.059 4.402 5.059

77613 7.158 6.837 7.158

77614 4.828 4.649 4.828

77616 3.061 3.061

77617 29.041 29.336 30.012 28.130 22.000 20.408 30.012

77619 12.053 12.053

77622 9.677 9.005 8.474 9.677

77623 29.308 28.549 26.285 24.210 22.335 20.529 29.308

77624 2.944 2.729 2.944

77625 4.945 4.422 4.945

77627 7.898 7.811 7.898

77629 7.372 7.372

77630 15.233 10.421 15.233

77632 6.463 5.244 6.463

77640 27.422 26.591 25.425 23.844 21.676 18.671 17.029 15.866 11.858 27.422

77642 14.684 12.917 13.717 14.684

77650 32.774 32.157 31.058 30.639 32.774

77651 10.250 9.127 10.250

77655 29.308 28.549 26.285 24.210 22.335 20.529 18.000 29.308

77656 4.896 4.259 4.896

77657 5.418 5.418

77659 5.600 5.747 5.747

77660 2.958 2.837 2.958

77662 7.052 5.370 7.052

77663 4.945 4.422 4.945

77664 3.142 3.142

77665 15.531 13.081 10.857 9.969 8.861 15.531

77701 7.163 7.163

77702 6.194 6.194

77703 5.632 5.184 5.632



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-31 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

77705 10.553 10.228 9.059 7.911 10.553

77706 6.271 5.720 6.271

77707 6.903 6.903

77708 5.246 5.246

77713 7.332 6.020 7.332

77801 1.503 1.503

77802 1.510 1.510

77803 1.526 1.526

77807 1.556 1.556

77808 1.863 1.588 1.863

77830 2.419 2.419

77831 1.973 1.786 1.973

77833 2.789 2.542 2.789

77835 2.649 2.435 2.649

77836 1.465 1.465

77837 0.961 0.961

77840 1.529 1.529

77845 1.897 1.658 1.897

77853 1.565 1.565

77856 0.941 0.941

77857 1.089 1.089

77859 1.160 1.160

77861 1.932 1.792 1.932

77864 1.683 1.712 1.712

77865 0.998 0.998

77868 3.117 2.870 3.117

77871 1.328 1.328

77872 1.752 1.752

77873 2.083 2.083

77879 2.310 1.914 2.310

77880 3.117 3.117

77901 6.706 6.303 6.706

77904 7.106 6.268 7.106

77905 9.217 7.738 6.220 9.217

77950 12.039 12.039

77951 8.918 8.918

77954 4.099 3.591 4.099

77957 13.210 8.741 6.333 13.210

77961 10.888 10.888

77962 10.250 9.109 6.748 10.250

77963 7.418 6.034 7.418

77964 3.993 3.485 3.993

77968 8.165 6.668 8.165

77970 10.397 10.397

77971 11.259 10.329 11.259

77974 4.492 4.492

77975 3.385 3.385

77979 22.216 16.727 16.135 12.471 10.499 7.937 22.216

77982 22.845 21.833 22.845

77983 18.998 16.035 11.064 9.753 18.998

77984 3.480 3.480

77988 7.522 7.522

77990 12.959 10.359 8.562 6.651 12.959

77991 10.565 10.565

77994 3.434 3.434

77995 4.316 3.591 4.316

78002 1.054 1.054

78003 0.459 0.459

78004 0.625 0.625



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-32 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78005 1.228 1.228

78006 0.576 0.576

78007 2.760 2.169 2.760

78008 2.694 2.320 2.694

78009 0.829 0.829

78010 0.462 0.462

78011 1.656 1.656

78012 2.338 2.172 2.338

78013 0.526 0.526

78014 1.630 1.630

78015 0.591 0.591

78016 0.941 0.941

78017 0.929 0.929

78019 1.140 1.140

78021 1.642 1.642

78022 4.155 3.437 4.155

78023 0.518 0.518

78024 0.272 0.272

78025 0.270 0.270

78026 2.462 1.979 2.462

78027 0.652 0.652

78028 0.354 0.354

78039 0.915 0.915

78040 0.874 0.874

78041 2.012 1.650 2.012

78043 1.249 1.249

78045 0.876 0.876

78046 0.978 0.978

78050 1.770 1.770

78052 1.017 1.017

78055 0.310 0.310

78056 0.502 0.502

78057 1.004 1.004

78058 0.304 0.304

78059 0.993 0.993

78061 0.970 0.970

78063 0.472 0.472

78064 2.029 2.029

78065 1.339 1.339

78066 0.629 0.629

78067 1.160 1.160

78069 1.135 1.135

78070 0.676 0.676

78071 4.179 3.375 4.179

78072 2.504 1.911 2.504

78073 1.169 1.169

78075 2.846 2.846

78076 1.917 1.654 1.917

78101 1.532 1.532

78102 6.779 5.730 4.221 6.779

78108 1.305 1.305

78109 1.307 1.307

78111 3.268 3.268

78112 1.610 1.610

78113 2.749 2.372 2.749

78114 2.646 2.153 2.646

78116 2.974 2.974

78117 3.062 3.062

78118 3.237 3.237



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-33 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78119 4.312 3.773 4.312

78121 1.643 1.643

78122 1.999 1.999

78123 1.553 1.553

78124 1.495 1.495

78130 1.345 1.345

78132 0.885 0.885

78133 0.733 0.733

78140 2.667 2.281 2.667

78141 4.144 3.929 4.144

78142 4.693 4.693

78145 3.603 3.603

78146 4.449 4.449

78147 2.545 2.545

78148 1.100 1.100

78150 1.321 1.321

78151 4.228 3.859 4.228

78152 1.534 1.534

78154 1.250 1.250

78155 1.589 1.589

78159 3.026 3.026

78160 2.667 2.124 2.667

78161 1.914 1.914

78162 4.593 4.593

78163 0.668 0.668

78164 4.132 3.686 4.132

78201 0.726 0.726

78202 0.874 0.874

78203 0.879 0.879

78204 0.820 0.820

78205 0.866 0.866

78206 0.860 0.860

78207 0.755 0.755

78208 0.872 0.872

78209 0.840 0.840

78210 0.992 0.992

78211 0.981 0.981

78212 0.800 0.800

78213 0.717 0.717

78214 1.081 1.081

78215 0.866 0.866

78216 0.775 0.775

78217 0.869 0.869

78218 1.029 1.029

78219 1.083 1.083

78220 1.148 1.148

78221 1.242 1.242

78222 1.326 1.326

78223 1.378 1.378

78224 1.118 1.118

78225 0.942 0.942

78226 0.891 0.891

78227 0.890 0.890

78228 0.715 0.715

78229 0.702 0.702

78230 0.699 0.699

78231 0.694 0.694

78232 0.751 0.751

78233 0.993 0.993



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-34 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78234 0.876 0.876

78235 1.137 1.137

78236 0.965 0.965

78237 0.731 0.731

78238 0.776 0.776

78239 1.040 1.040

78240 0.660 0.660

78242 0.995 0.995

78244 1.193 1.193

78245 0.817 0.817

78247 0.856 0.856

78248 0.660 0.660

78249 0.638 0.638

78250 0.696 0.696

78251 0.771 0.771

78252 0.988 0.988

78253 0.687 0.687

78254 0.569 0.569

78255 0.529 0.529

78256 0.547 0.547

78257 0.584 0.584

78258 0.642 0.642

78259 0.723 0.723

78260 0.632 0.632

78261 0.715 0.715

78263 1.432 1.432

78264 1.353 1.353

78266 0.804 0.804

78330 4.168 4.168

78332 5.498 4.946 5.498

78336 17.539 12.134 9.202 9.337 17.539

78338 12.772 9.287 5.943 6.366 5.557 12.772

78339 4.774 4.774

78340 11.375 9.865 11.375

78341 3.289 3.289

78343 6.594 6.010 4.859 4.710 6.594

78344 2.080 1.830 2.080

78347 7.044 6.604 6.224 7.044

78349 3.857 3.857

78350 4.365 4.365

78351 5.383 5.383

78352 5.277 5.277

78353 5.981 4.763 5.981

78355 6.051 5.030 6.051

78357 3.300 2.528 2.044 3.300

78358 13.305 13.305

78359 8.074 7.844 8.074

78360 2.081 2.081

78361 3.761 2.804 1.771 3.761

78362 12.922 9.507 12.922

78363 12.055 11.057 9.202 7.575 6.231 4.963 4.257 12.055

78368 4.788 4.643 4.788

78369 1.924 1.783 1.924

78370 7.141 5.671 7.141

78372 4.952 3.615 4.952

78373 23.589 23.039 22.373 21.685 21.198 19.742 15.870 10.114 23.589

78374 9.611 8.659 9.611

78375 5.814 5.176 5.814

78376 3.618 2.798 3.618



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-35 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78377 11.522 10.328 7.493 6.105 11.522

78379 8.676 6.850 5.274 8.676

78380 5.958 4.870 4.149 5.958

78382 24.736 24.371 23.560 22.680 21.812 20.049 13.284 11.316 8.645 7.893 24.736

78383 5.689 5.428 5.689

78384 3.618 3.169 3.618

78385 21.305 20.964 20.204 19.134 18.450 15.792 12.922 9.853 7.491 6.388 5.295 21.305

78387 6.777 5.612 5.019 6.777

78389 6.516 6.059 6.516

78390 11.547 8.985 7.586 6.487 11.547

78391 5.991 5.991

78393 10.118 7.805 5.998 10.118

78401 11.186 11.186

78402 11.635 9.449 11.635

78404 10.246 9.876 10.246

78405 8.767 8.767

78406 7.021 6.394 7.021

78407 10.988 9.600 10.988

78408 9.123 8.840 9.123

78409 7.749 8.301 8.301

78410 6.237 5.851 6.237

78411 9.525 9.840 9.840

78412 12.257 10.625 10.687 12.257

78413 7.072 6.501 7.072

78414 13.101 9.903 7.985 13.101

78415 7.092 6.787 6.128 7.092

78416 7.286 7.286

78417 6.491 6.265 6.491

78418 20.603 19.890 18.780 17.974 17.157 17.013 11.796 20.603

78419 13.759 13.759

78501 2.802 2.802

78503 2.967 2.967

78504 3.050 3.050

78516 3.665 3.665

78520 4.927 4.927

78521 17.800 16.514 15.951 15.292 14.391 12.301 9.485 7.390 5.564 4.723 17.800

78526 6.206 5.469 5.158 6.206

78535 4.706 4.706

78536 3.019 2.794 3.019

78537 4.215 4.215

78538 5.385 5.198 5.385

78539 3.305 3.305

78541 3.741 2.674 3.741

78542 5.789 5.325 5.789

78543 4.981 4.981

78548 2.111 2.111

78549 5.357 5.357

78550 5.234 4.932 5.234

78552 4.539 4.539

78557 2.972 2.972

78558 4.186 4.186

78559 4.146 4.146

78560 2.621 2.621

78562 5.556 5.556

78563 5.376 5.376

78564 1.460 1.460

78565 2.495 2.495

78566 11.595 8.656 6.653 5.750 11.595

78567 4.851 4.851



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-36 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78569 22.878 22.549 21.758 20.840 19.859 18.691 14.453 11.785 7.074 5.657 4.747 22.878

78570 5.508 5.069 5.508

78572 2.784 2.698 2.784

78573 2.958 2.958

78574 2.968 2.797 2.968

78575 5.246 5.246

78576 3.018 2.774 3.018

78577 3.285 3.285

78578 18.392 18.094 15.162 11.359 8.460 6.745 18.392

78580 14.778 10.198 6.201 5.633 4.852 4.542 14.778

78582 2.804 2.041 1.592 2.804

78583 14.507 11.282 6.799 5.922 14.507

78584 1.708 1.561 1.708

78586 6.427 5.399 4.715 6.427

78588 3.218 2.828 3.218

78589 3.493 3.493

78591 3.173 2.605 3.173

78592 4.199 4.199

78593 4.394 4.394

78595 2.590 2.590

78596 4.679 4.679

78597 23.354 22.996 22.326 22.043 21.109 20.809 23.354

78598 15.247 15.247

78599 4.679 4.679

78602 1.278 1.278

78605 0.531 0.531

78606 0.657 0.657

78607 0.391 0.391

78608 0.506 0.506

78609 0.507 0.507

78610 1.148 1.148

78611 0.399 0.399

78612 1.222 1.222

78613 0.576 0.576

78614 2.767 2.509 2.767

78615 1.261 1.261

78616 1.537 1.537

78617 1.254 1.254

78618 0.345 0.345

78619 0.754 0.754

78620 0.657 0.657

78621 1.170 1.170

78623 0.716 0.716

78624 0.455 0.455

78626 0.992 0.992

78628 0.710 0.710

78629 2.998 2.266 2.998

78631 0.344 0.344

78632 1.917 1.917

78633 0.718 0.718

78634 1.137 1.137

78635 0.606 0.606

78636 0.590 0.590

78638 1.679 1.679

78639 0.469 0.469

78640 1.324 1.324

78641 0.520 0.520

78642 0.561 0.561

78643 0.399 0.399



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-37 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78644 1.571 1.571

78645 0.563 0.563

78648 1.710 1.710

78650 1.182 1.182

78652 0.926 0.926

78653 1.212 1.212

78654 0.477 0.477

78655 1.580 1.580

78656 1.516 1.516

78657 0.509 0.509

78659 1.383 1.383

78660 1.115 1.115

78661 1.640 1.640

78662 1.440 1.440

78663 0.540 0.540

78664 1.001 1.001

78665 1.016 1.016

78666 1.095 1.095

78669 0.594 0.594

78670 1.600 1.600

78671 0.605 0.605

78672 0.403 0.403

78675 0.420 0.420

78676 0.682 0.682

78677 2.749 2.646 2.749

78681 0.807 0.807

78701 0.892 0.892

78702 0.928 0.928

78703 0.812 0.812

78704 0.898 0.898

78705 0.886 0.886

78712 0.886 0.886

78717 0.727 0.727

78719 1.311 1.311

78721 1.130 1.130

78722 0.890 0.890

78723 1.042 1.042

78724 1.131 1.131

78725 1.167 1.167

78726 0.535 0.535

78727 0.808 0.808

78728 0.971 0.971

78729 0.732 0.732

78730 0.593 0.593

78731 0.745 0.745

78732 0.574 0.574

78733 0.595 0.595

78734 0.602 0.602

78735 0.659 0.659

78736 0.607 0.607

78737 0.709 0.709

78738 0.627 0.627

78739 0.823 0.823

78741 1.023 1.023

78742 1.170 1.170

78744 1.181 1.181

78745 0.915 0.915

78746 0.682 0.682

78747 1.251 1.251



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-38 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78748 0.894 0.894

78749 0.718 0.718

78750 0.605 0.605

78751 0.785 0.785

78752 0.842 0.842

78753 1.021 1.021

78754 1.050 1.050

78756 0.779 0.779

78757 0.772 0.772

78758 0.861 0.861

78759 0.741 0.741

78801 0.370 0.370

78827 0.747 0.747

78828 0.198 0.198

78829 0.569 0.569

78830 0.727 0.727

78832 0.250 0.250

78833 0.194 0.194

78834 0.522 0.522

78836 0.784 0.784

78837 0.122 0.122

78838 0.261 0.261

78839 0.461 0.461

78840 0.158 0.158

78843 0.191 0.191

78850 0.647 0.647

78851 0.069 0.069

78852 0.371 0.371

78861 0.594 0.594

78870 0.524 0.524

78871 0.095 0.095

78872 0.459 0.459

78873 0.243 0.243

78877 0.289 0.289

78879 0.247 0.247

78880 0.216 0.216

78881 0.494 0.494

78883 0.341 0.341

78884 0.346 0.346

78885 0.280 0.280

78886 0.851 0.851

78931 3.031 3.031

78932 2.242 2.242

78933 3.955 3.955

78934 3.307 3.307

78935 4.049 4.049

78938 2.748 2.748

78940 2.740 2.669 2.740

78941 2.875 2.221 2.875

78942 1.901 1.901

78943 3.020 3.020

78944 2.976 2.976

78945 2.965 2.325 2.965

78946 2.054 2.054

78947 1.247 1.247

78948 1.582 1.582

78949 2.836 2.262 2.836

78950 2.797 2.797

78951 3.325 3.325



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-39 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78953 1.608 1.608

78954 2.614 2.395 2.614

78956 3.226 2.964 3.226

78957 1.699 1.699

78959 2.638 2.293 2.638

78962 3.098 3.098

78963 2.097 2.097

79001 0.006 0.006

79002 0.010 0.010

79003 0.016 0.016

79005 0.009 0.009

79007 0.007 0.007

79009 0.007 0.007

79010 0.012 0.012

79011 0.015 0.015

79012 0.010 0.010

79013 0.004 0.004

79014 0.012 0.012

79015 0.007 0.007

79018 0.004 0.004

79019 0.008 0.008

79021 0.012 0.012

79022 0.004 0.004

79024 0.010 0.010

79027 0.008 0.008

79029 0.005 0.005

79031 0.010 0.010

79032 0.010 0.010

79033 0.010 0.010

79034 0.011 0.011

79035 0.007 0.007

79036 0.005 0.005

79039 0.008 0.008

79040 0.006 0.006

79041 0.012 0.012

79042 0.009 0.009

79043 0.010 0.010

79044 0.004 0.004

79045 0.007 0.007

79046 0.012 0.012

79051 0.005 0.005

79052 0.010 0.010

79054 0.011 0.011

79056 0.011 0.011

79057 0.012 0.012

79058 0.005 0.005

79059 0.010 0.010

79061 0.014 0.014

79062 0.006 0.006

79063 0.009 0.009

79064 0.011 0.011

79065 0.010 0.010

79068 0.007 0.007

79070 0.008 0.008

79072 0.012 0.012

79078 0.006 0.006

79079 0.017 0.017

79080 0.008 0.008

79081 0.007 0.007



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-40 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

79082 0.010 0.010

79083 0.006 0.006

79084 0.005 0.005

79085 0.008 0.008

79086 0.005 0.005

79087 0.004 0.004

79088 0.010 0.010

79092 0.005 0.005

79093 0.010 0.010

79094 0.008 0.008

79095 0.017 0.017

79096 0.018 0.018

79097 0.008 0.008

79098 0.006 0.006

79101 0.005 0.005

79102 0.005 0.005

79103 0.006 0.006

79104 0.005 0.005

79106 0.004 0.004

79107 0.005 0.005

79108 0.006 0.006

79109 0.005 0.005

79110 0.005 0.005

79111 0.006 0.006

79118 0.006 0.006

79119 0.006 0.006

79121 0.005 0.005

79124 0.005 0.005

79201 0.019 0.019

79220 0.027 0.027

79221 0.010 0.010

79223 0.021 0.021

79225 0.031 0.031

79226 0.010 0.010

79227 0.035 0.035

79229 0.028 0.028

79230 0.019 0.019

79233 0.016 0.016

79234 0.015 0.015

79235 0.017 0.017

79237 0.012 0.012

79239 0.013 0.013

79240 0.011 0.011

79241 0.014 0.014

79243 0.023 0.023

79244 0.020 0.020

79245 0.015 0.015

79247 0.032 0.032

79248 0.029 0.029

79250 0.015 0.015

79251 0.013 0.013

79252 0.027 0.027

79255 0.011 0.011

79256 0.024 0.024

79257 0.011 0.011

79258 0.014 0.014

79259 0.019 0.019

79261 0.015 0.015

79311 0.014 0.014



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-41 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

79312 0.011 0.011

79313 0.013 0.013

79314 0.010 0.010

79316 0.016 0.016

79322 0.024 0.024

79323 0.011 0.011

79324 0.010 0.010

79325 0.007 0.007

79326 0.012 0.012

79329 0.017 0.017

79330 0.037 0.037

79331 0.022 0.022

79336 0.013 0.013

79339 0.012 0.012

79342 0.016 0.016

79343 0.019 0.019

79344 0.009 0.009

79345 0.016 0.016

79346 0.010 0.010

79347 0.009 0.009

79350 0.012 0.012

79351 0.026 0.026

79353 0.011 0.011

79355 0.010 0.010

79356 0.031 0.031

79357 0.022 0.022

79358 0.015 0.015

79359 0.015 0.015

79360 0.013 0.013

79363 0.014 0.014

79364 0.020 0.020

79366 0.019 0.019

79367 0.012 0.012

79370 0.031 0.031

79371 0.010 0.010

79372 0.014 0.014

79373 0.022 0.022

79376 0.013 0.013

79377 0.018 0.018

79379 0.012 0.012

79381 0.022 0.022

79382 0.016 0.016

79401 0.014 0.014

79403 0.016 0.016

79404 0.017 0.017

79407 0.014 0.014

79409 0.014 0.014

79410 0.014 0.014

79411 0.014 0.014

79412 0.015 0.015

79413 0.015 0.015

79414 0.014 0.014

79415 0.014 0.014

79416 0.013 0.013

79423 0.018 0.018

79424 0.016 0.016

79501 0.072 0.072

79502 0.042 0.042

79503 0.073 0.073



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-42 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

79504 0.107 0.107

79505 0.044 0.044

79506 0.075 0.075

79508 0.071 0.071

79510 0.106 0.106

79511 0.047 0.047

79512 0.064 0.064

79517 0.040 0.040

79518 0.036 0.036

79519 0.108 0.108

79520 0.060 0.060

79521 0.067 0.067

79525 0.081 0.081

79526 0.054 0.054

79527 0.047 0.047

79528 0.042 0.042

79529 0.042 0.042

79530 0.097 0.097

79532 0.062 0.062

79533 0.087 0.087

79534 0.063 0.063

79535 0.075 0.075

79536 0.066 0.066

79537 0.067 0.067

79538 0.113 0.113

79539 0.047 0.047

79540 0.048 0.048

79541 0.090 0.090

79543 0.058 0.058

79544 0.049 0.049

79545 0.065 0.065

79546 0.052 0.052

79547 0.050 0.050

79548 0.057 0.057

79549 0.045 0.045

79553 0.065 0.065

79556 0.063 0.063

79560 0.065 0.065

79561 0.064 0.064

79562 0.069 0.069

79563 0.069 0.069

79565 0.054 0.054

79566 0.078 0.078

79567 0.099 0.099

79601 0.095 0.095

79602 0.086 0.086

79603 0.066 0.066

79605 0.070 0.070

79606 0.069 0.069

79607 0.071 0.071

79701 0.025 0.025

79703 0.024 0.024

79705 0.025 0.025

79706 0.033 0.033

79707 0.022 0.022

79713 0.027 0.027

79714 0.017 0.017

79718 0.009 0.009

79719 0.014 0.014



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-43 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

79720 0.040 0.040

79730 0.018 0.018

79731 0.031 0.031

79733 0.040 0.040

79734 0.009 0.009

79735 0.031 0.031

79738 0.034 0.034

79739 0.048 0.048

79740 0.028 0.028

79741 0.019 0.019

79742 0.020 0.020

79743 0.028 0.028

79744 0.055 0.055

79745 0.016 0.016

79748 0.031 0.031

79749 0.027 0.027

79752 0.039 0.039

79754 0.009 0.009

79755 0.044 0.044

79756 0.020 0.020

79758 0.021 0.021

79759 0.020 0.020

79761 0.020 0.020

79762 0.021 0.021

79763 0.023 0.023

79764 0.020 0.020

79765 0.024 0.024

79766 0.027 0.027

79772 0.009 0.009

79777 0.013 0.013

79778 0.050 0.050

79782 0.028 0.028

79783 0.023 0.023

79785 0.008 0.008

79788 0.017 0.017

79789 0.014 0.014

79821 0.002 0.002

79830 0.016 0.016

79834 0.021 0.021

79835 0.002 0.002

79836 0.003 0.003

79837 0.003 0.003

79838 0.003 0.003

79839 0.004 0.004

79842 0.033 0.033

79843 0.008 0.008

79845 0.007 0.007

79847 0.004 0.004

79848 0.054 0.054

79849 0.003 0.003

79851 0.005 0.005

79852 0.010 0.010

79853 0.003 0.003

79854 0.008 0.008

79855 0.006 0.006

79901 0.002 0.002

79902 0.002 0.002

79903 0.002 0.002

79904 0.002 0.002



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-44 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

79905 0.002 0.002

79906 0.002 0.002

79907 0.002 0.002

79908 0.002 0.002

79911 0.002 0.002

79912 0.002 0.002

79915 0.002 0.002

79918 0.002 0.002

79922 0.002 0.002

79924 0.002 0.002

79925 0.002 0.002

79927 0.003 0.003

79928 0.003 0.003

79930 0.002 0.002

79932 0.002 0.002

79934 0.002 0.002

79935 0.002 0.002

79936 0.002 0.002

79938 0.003 0.003

75132 0.244 0.244

75978 1.127 1.127

76113 0.137 0.137

76121 0.137 0.137

77279 6.486 6.486

77315 5.137 5.137

77367 1.861 1.861

77415 30.929 30.355 29.4 25.279 22.611 19.954 15.558 10.22 9.571 9.306 8.549 30.929

77440 30.869 30.753 31.343 22.327 17.933 13.653 11.219 9.53 31.343

77443 9.469 8.295 9.469

77453 9.469 8.295 9.469

77464 8.525 8.429 8.525

77476 7.392 7.392

77561 8.685 8.155 7.438 6.223 4.738 8.685

77574 16.302 15.719 16.218 14.864 11.493 8.958 8.903 16.302

77580 18.708 17.898 17.116 16.646 15.029 11.508 7.783 18.708

77588 7.243 6.887 6.878 7.243

77615 5.059 4.402 5.059

77661 22.304 20.527 18.804 17.349 16.261 13.864 10.83 10.22 9.698 9.478 22.304

77977 22.216 16.727 16.135 12.471 10.499 7.937 22.216

78547 2.804 2.041 1.592 2.804

78561 14.778 10.198 6.201 5.633 4.852 4.542 14.778

78568 14.507 11.282 6.799 5.922 14.507

78579 4.679 4.679

78590 14.778 10.198 6.201 5.633 4.852 4.542 14.778

78594 22.878 22.549 21.758 20.84 19.859 18.691 14.453 11.785 7.074 5.657 4.747 22.878



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-45 Ed. 8/22/2018

HO 06 Distance to Coast ZIP Code Relativities

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75001 0.095 0.095

75002 0.148 0.148

75006 0.101 0.101

75007 0.108 0.108

75009 0.143 0.143

75010 0.112 0.112

75013 0.112 0.112

75019 0.112 0.112

75020 0.085 0.085

75021 0.092 0.092

75022 0.126 0.126

75023 0.098 0.098

75024 0.098 0.098

75025 0.100 0.100

75028 0.120 0.120

75032 0.228 0.228

75033 0.125 0.125

75034 0.129 0.129

75035 0.113 0.113

75038 0.123 0.123

75039 0.123 0.123

75040 0.132 0.132

75041 0.126 0.126

75042 0.116 0.116

75043 0.193 0.193

75044 0.114 0.114

75048 0.164 0.164

75050 0.127 0.127

75051 0.130 0.130

75052 0.151 0.151

75054 0.178 0.178

75056 0.119 0.119

75057 0.131 0.131

75058 0.139 0.139

75060 0.137 0.137

75061 0.123 0.123

75062 0.123 0.123

75063 0.111 0.111

75065 0.136 0.136

75067 0.121 0.121

75068 0.154 0.154

75069 0.141 0.141

75070 0.115 0.115

75071 0.134 0.134

75074 0.118 0.118

75075 0.095 0.095

75076 0.106 0.106

75077 0.130 0.130

75078 0.132 0.132

75080 0.098 0.098

75081 0.104 0.104

75082 0.111 0.111

75087 0.206 0.206

75088 0.218 0.218

75089 0.184 0.184

75090 0.109 0.109



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-46 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75092 0.104 0.104

75093 0.098 0.098

75094 0.126 0.126

75098 0.193 0.193

75102 0.455 0.455

75103 0.319 0.319

75104 0.186 0.186

75105 0.385 0.385

75109 0.626 0.626

75110 0.471 0.471

75114 0.270 0.270

75115 0.187 0.187

75116 0.147 0.147

75117 0.256 0.256

75119 0.352 0.352

75124 0.376 0.376

75125 0.274 0.274

75126 0.236 0.236

75127 0.269 0.269

75134 0.182 0.182

75135 0.195 0.195

75137 0.152 0.152

75140 0.270 0.270

75141 0.198 0.198

75142 0.307 0.307

75143 0.403 0.403

75144 0.501 0.501

75146 0.232 0.232

75147 0.360 0.360

75148 0.449 0.449

75149 0.153 0.153

75150 0.140 0.140

75152 0.305 0.305

75153 0.444 0.444

75154 0.238 0.238

75155 0.404 0.404

75156 0.458 0.458

75157 0.312 0.312

75158 0.322 0.322

75159 0.254 0.254

75160 0.250 0.250

75161 0.260 0.260

75163 0.460 0.460

75165 0.316 0.316

75166 0.217 0.217

75167 0.301 0.301

75169 0.286 0.286

75172 0.226 0.226

75173 0.208 0.208

75180 0.160 0.160

75181 0.191 0.191

75182 0.204 0.204

75189 0.207 0.207

75201 0.131 0.131

75202 0.133 0.133

75203 0.132 0.132

75204 0.121 0.121

75205 0.114 0.114

75206 0.112 0.112



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-47 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75207 0.127 0.127

75208 0.130 0.130

75209 0.114 0.114

75210 0.131 0.131

75211 0.139 0.139

75212 0.130 0.130

75214 0.112 0.112

75215 0.131 0.131

75216 0.142 0.142

75217 0.160 0.160

75218 0.115 0.115

75219 0.119 0.119

75220 0.116 0.116

75223 0.126 0.126

75224 0.138 0.138

75225 0.112 0.112

75226 0.130 0.130

75227 0.133 0.133

75228 0.122 0.122

75229 0.113 0.113

75230 0.105 0.105

75231 0.111 0.111

75232 0.157 0.157

75233 0.140 0.140

75234 0.101 0.101

75235 0.115 0.115

75236 0.141 0.141

75237 0.154 0.154

75238 0.116 0.116

75240 0.097 0.097

75241 0.174 0.174

75243 0.105 0.105

75244 0.095 0.095

75246 0.129 0.129

75247 0.115 0.115

75248 0.096 0.096

75249 0.144 0.144

75251 0.120 0.120

75252 0.095 0.095

75253 0.213 0.213

75254 0.095 0.095

75261 0.113 0.113

75287 0.097 0.097

75401 0.181 0.181

75402 0.192 0.192

75407 0.188 0.188

75409 0.145 0.145

75410 0.272 0.272

75411 0.091 0.091

75412 0.089 0.089

75413 0.190 0.190

75414 0.113 0.113

75415 0.163 0.163

75416 0.128 0.128

75417 0.139 0.139

75418 0.127 0.127

75420 0.198 0.198

75421 0.137 0.137

75422 0.184 0.184



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-48 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75423 0.171 0.171

75424 0.161 0.161

75426 0.120 0.120

75428 0.172 0.172

75431 0.224 0.224

75432 0.184 0.184

75433 0.192 0.192

75435 0.161 0.161

75436 0.112 0.112

75437 0.173 0.173

75438 0.120 0.120

75439 0.129 0.129

75440 0.238 0.238

75442 0.189 0.189

75446 0.132 0.132

75447 0.097 0.097

75448 0.181 0.181

75449 0.159 0.159

75450 0.166 0.166

75451 0.205 0.205

75452 0.161 0.161

75453 0.219 0.219

75454 0.142 0.142

75455 0.182 0.182

75457 0.193 0.193

75459 0.125 0.125

75460 0.131 0.131

75462 0.135 0.135

75468 0.158 0.158

75469 0.165 0.165

75470 0.147 0.147

75471 0.216 0.216

75472 0.259 0.259

75473 0.100 0.100

75474 0.252 0.252

75475 0.160 0.160

75476 0.106 0.106

75477 0.156 0.156

75478 0.193 0.193

75479 0.118 0.118

75480 0.209 0.209

75481 0.171 0.171

75482 0.195 0.195

75486 0.102 0.102

75487 0.152 0.152

75488 0.096 0.096

75489 0.126 0.126

75490 0.151 0.151

75491 0.135 0.135

75492 0.131 0.131

75493 0.205 0.205

75494 0.204 0.204

75495 0.136 0.136

75496 0.164 0.164

75497 0.275 0.275

75501 0.158 0.158

75503 0.161 0.161

75550 0.124 0.124

75551 0.175 0.175



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-49 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75554 0.124 0.124

75555 0.187 0.187

75556 0.170 0.170

75558 0.158 0.158

75559 0.137 0.137

75560 0.174 0.174

75561 0.147 0.147

75563 0.172 0.172

75564 0.230 0.230

75566 0.151 0.151

75567 0.183 0.183

75568 0.154 0.154

75569 0.139 0.139

75570 0.143 0.143

75571 0.156 0.156

75572 0.173 0.173

75574 0.140 0.140

75601 0.304 0.304

75602 0.348 0.348

75603 0.355 0.355

75604 0.288 0.288

75605 0.277 0.277

75630 0.217 0.217

75631 0.445 0.445

75633 0.484 0.484

75638 0.172 0.172

75639 0.360 0.360

75640 0.247 0.247

75641 0.372 0.372

75643 0.549 0.549

75644 0.221 0.221

75645 0.245 0.245

75647 0.279 0.279

75650 0.313 0.313

75651 0.250 0.250

75652 0.448 0.448

75654 0.483 0.483

75656 0.171 0.171

75657 0.236 0.236

75661 0.265 0.265

75662 0.336 0.336

75667 0.519 0.519

75668 0.214 0.214

75669 0.540 0.540

75670 0.283 0.283

75672 0.306 0.306

75681 0.534 0.534

75683 0.217 0.217

75684 0.381 0.381

75685 0.332 0.332

75686 0.200 0.200

75691 0.429 0.429

75692 0.294 0.294

75693 0.279 0.279

75701 0.303 0.303

75702 0.295 0.295

75703 0.382 0.382

75704 0.302 0.302

75705 0.330 0.330



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-50 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75706 0.287 0.287

75707 0.369 0.369

75708 0.295 0.295

75709 0.329 0.329

75750 0.394 0.394

75751 0.441 0.441

75752 0.415 0.415

75754 0.329 0.329

75755 0.246 0.246

75756 0.369 0.369

75757 0.467 0.467

75758 0.400 0.400

75759 0.485 0.485

75760 0.536 0.536

75762 0.468 0.468

75763 0.469 0.469

75764 0.570 0.570

75765 0.234 0.234

75766 0.472 0.472

75770 0.447 0.447

75771 0.275 0.275

75773 0.231 0.231

75778 0.378 0.378

75780 0.560 0.560

75783 0.234 0.234

75784 0.491 0.491

75785 0.510 0.510

75788 0.560 0.560

75789 0.465 0.465

75790 0.305 0.305

75791 0.399 0.399

75792 0.287 0.287

75801 0.516 0.516

75803 0.498 0.498

75831 0.784 0.784

75833 1.089 1.089

75835 1.212 1.212

75838 0.819 0.819

75839 0.648 0.648

75840 0.587 0.587

75844 0.758 0.758

75845 1.226 1.056 1.226

75846 0.888 0.888

75847 0.953 0.953

75849 1.180 1.180

75850 1.268 1.268

75851 1.617 1.486 1.617

75852 1.782 1.715 1.782

75853 0.504 0.504

75855 0.759 0.759

75856 1.242 1.120 1.242

75858 0.940 0.940

75859 0.586 0.586

75860 0.650 0.650

75861 0.559 0.559

75862 1.660 1.660

75901 1.335 1.315 1.335

75904 1.162 1.162

75925 0.713 0.713



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-51 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

75926 1.107 1.096 1.107

75928 3.127 3.127

75929 2.848 1.807 2.848

75930 2.795 1.330 2.795

75931 2.051 1.928 2.051

75932 2.013 2.013

75933 4.708 4.299 4.708

75934 1.784 1.784

75935 0.827 0.827

75936 1.789 1.789

75937 1.147 1.147

75938 2.048 2.048

75939 1.470 1.470

75941 1.266 1.217 1.266

75942 2.399 2.399

75943 0.671 0.671

75944 1.705 1.705

75946 0.701 0.701

75948 1.998 2.112 2.112

75949 1.398 1.516 1.516

75951 2.176 2.176

75954 0.775 0.775

75956 3.467 2.719 3.467

75959 1.693 1.693

75960 1.653 1.653

75961 1.096 1.096

75964 0.758 0.758

75965 0.783 0.783

75966 2.862 2.543 2.862

75968 1.835 1.389 1.835

75969 0.959 0.959

75972 1.101 1.101

75973 1.115 1.115

75974 0.640 0.640

75975 0.671 0.671

75976 0.948 0.948

75977 1.882 1.882

75979 2.684 2.460 2.684

75980 1.873 2.376 2.376

76001 0.139 0.139

76002 0.153 0.153

76005 0.140 0.140

76006 0.116 0.116

76008 0.176 0.176

76009 0.244 0.244

76010 0.121 0.121

76011 0.119 0.119

76012 0.115 0.115

76013 0.117 0.117

76014 0.146 0.146

76015 0.131 0.131

76016 0.132 0.132

76017 0.135 0.135

76018 0.149 0.149

76020 0.140 0.140

76021 0.109 0.109

76022 0.108 0.108

76023 0.132 0.132

76028 0.186 0.186



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-52 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76031 0.242 0.242

76033 0.228 0.228

76034 0.110 0.110

76035 0.211 0.211

76036 0.182 0.182

76039 0.112 0.112

76040 0.111 0.111

76041 0.349 0.349

76043 0.173 0.173

76044 0.231 0.231

76048 0.178 0.178

76049 0.191 0.191

76050 0.287 0.287

76051 0.115 0.115

76052 0.143 0.143

76053 0.109 0.109

76054 0.108 0.108

76055 0.329 0.329

76058 0.215 0.215

76059 0.231 0.231

76060 0.145 0.145

76061 0.140 0.140

76063 0.189 0.189

76064 0.302 0.302

76065 0.251 0.251

76066 0.140 0.140

76067 0.099 0.099

76070 0.185 0.185

76071 0.144 0.144

76073 0.120 0.120

76077 0.174 0.174

76078 0.145 0.145

76082 0.130 0.130

76084 0.258 0.258

76085 0.136 0.136

76086 0.144 0.144

76087 0.163 0.163

76088 0.127 0.127

76092 0.118 0.118

76093 0.276 0.276

76102 0.114 0.114

76103 0.122 0.122

76104 0.117 0.117

76105 0.124 0.124

76106 0.124 0.124

76107 0.116 0.116

76108 0.143 0.143

76109 0.126 0.126

76110 0.124 0.124

76111 0.118 0.118

76112 0.120 0.120

76114 0.118 0.118

76115 0.134 0.134

76116 0.135 0.135

76117 0.113 0.113

76118 0.115 0.115

76119 0.137 0.137

76120 0.115 0.115

76123 0.151 0.151



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-53 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76126 0.185 0.185

76127 0.124 0.124

76131 0.129 0.129

76132 0.157 0.157

76133 0.139 0.139

76134 0.138 0.138

76135 0.138 0.138

76137 0.116 0.116

76140 0.150 0.150

76148 0.109 0.109

76155 0.113 0.113

76164 0.112 0.112

76177 0.137 0.137

76179 0.143 0.143

76180 0.110 0.110

76182 0.109 0.109

76201 0.116 0.116

76203 0.140 0.140

76205 0.123 0.123

76207 0.121 0.121

76208 0.137 0.137

76209 0.117 0.117

76210 0.134 0.134

76225 0.094 0.094

76226 0.128 0.128

76227 0.136 0.136

76228 0.080 0.080

76230 0.077 0.077

76233 0.123 0.123

76234 0.121 0.121

76238 0.112 0.112

76239 0.091 0.091

76240 0.094 0.094

76244 0.121 0.121

76245 0.088 0.088

76247 0.141 0.141

76248 0.117 0.117

76249 0.133 0.133

76250 0.102 0.102

76251 0.077 0.077

76252 0.095 0.095

76253 0.130 0.130

76255 0.069 0.069

76258 0.142 0.142

76259 0.139 0.139

76261 0.077 0.077

76262 0.127 0.127

76263 0.104 0.104

76264 0.089 0.089

76265 0.075 0.075

76266 0.135 0.135

76270 0.082 0.082

76271 0.143 0.143

76272 0.134 0.134

76273 0.087 0.087

76301 0.052 0.052

76302 0.056 0.056

76305 0.056 0.056

76306 0.045 0.045



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-54 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76308 0.051 0.051

76309 0.049 0.049

76310 0.064 0.064

76311 0.045 0.045

76351 0.069 0.069

76354 0.049 0.049

76357 0.063 0.063

76360 0.046 0.046

76363 0.046 0.046

76364 0.038 0.038

76365 0.074 0.074

76366 0.062 0.062

76367 0.049 0.049

76370 0.060 0.060

76371 0.042 0.042

76372 0.071 0.071

76373 0.037 0.037

76374 0.069 0.069

76377 0.063 0.063

76379 0.074 0.074

76380 0.050 0.050

76384 0.033 0.033

76388 0.051 0.051

76389 0.075 0.075

76401 0.156 0.156

76424 0.104 0.104

76426 0.112 0.112

76427 0.078 0.078

76429 0.088 0.088

76430 0.093 0.093

76431 0.097 0.097

76432 0.156 0.156

76433 0.146 0.146

76435 0.124 0.124

76436 0.229 0.229

76437 0.103 0.103

76442 0.183 0.183

76443 0.109 0.109

76444 0.167 0.167

76445 0.116 0.116

76446 0.184 0.184

76448 0.119 0.119

76449 0.084 0.084

76450 0.081 0.081

76452 0.247 0.247

76453 0.107 0.107

76454 0.141 0.141

76455 0.229 0.229

76457 0.224 0.224

76458 0.089 0.089

76459 0.078 0.078

76460 0.079 0.079

76462 0.150 0.150

76463 0.113 0.113

76464 0.100 0.100

76469 0.095 0.095

76470 0.095 0.095

76471 0.123 0.123

76472 0.124 0.124



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-55 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76474 0.142 0.142

76475 0.084 0.084

76476 0.164 0.164

76481 0.082 0.082

76483 0.072 0.072

76484 0.090 0.090

76486 0.108 0.108

76487 0.121 0.121

76490 0.130 0.130

76491 0.087 0.087

76501 0.802 0.802

76502 0.635 0.635

76504 0.692 0.692

76511 0.930 0.930

76513 0.576 0.576

76518 0.973 0.973

76519 0.965 0.965

76520 0.968 0.968

76522 0.395 0.395

76523 0.918 0.918

76524 0.718 0.718

76525 0.290 0.290

76527 0.608 0.608

76528 0.383 0.383

76530 1.024 1.024

76531 0.266 0.266

76534 0.843 0.843

76537 0.835 0.835

76538 0.304 0.304

76539 0.389 0.389

76541 0.403 0.403

76542 0.472 0.472

76543 0.413 0.413

76544 0.389 0.389

76548 0.485 0.485

76549 0.414 0.414

76550 0.356 0.356

76554 0.788 0.788

76556 0.892 0.892

76557 0.648 0.648

76559 0.478 0.478

76561 0.488 0.488

76565 0.251 0.251

76566 0.319 0.319

76567 1.013 1.013

76569 0.936 0.936

76570 0.896 0.896

76571 0.701 0.701

76574 1.163 1.163

76577 1.060 1.060

76578 1.146 1.146

76579 0.764 0.764

76621 0.425 0.425

76622 0.372 0.372

76624 0.564 0.564

76626 0.434 0.434

76627 0.281 0.281

76629 0.822 0.822

76630 0.668 0.668



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-56 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76631 0.421 0.421

76632 0.703 0.703

76633 0.417 0.417

76634 0.327 0.327

76635 0.642 0.642

76636 0.307 0.307

76637 0.278 0.278

76638 0.481 0.481

76639 0.567 0.567

76640 0.445 0.445

76641 0.445 0.445

76642 0.761 0.761

76643 0.546 0.546

76645 0.375 0.375

76648 0.529 0.529

76649 0.227 0.227

76651 0.365 0.365

76652 0.220 0.220

76653 0.751 0.751

76655 0.627 0.627

76656 0.788 0.788

76657 0.563 0.563

76660 0.456 0.456

76661 0.783 0.783

76664 0.688 0.688

76665 0.255 0.255

76666 0.428 0.428

76667 0.668 0.668

76670 0.377 0.377

76671 0.268 0.268

76673 0.560 0.560

76676 0.487 0.487

76678 0.648 0.648

76679 0.537 0.537

76680 0.871 0.871

76681 0.598 0.598

76682 0.699 0.699

76685 0.730 0.730

76686 0.651 0.651

76687 0.782 0.782

76689 0.388 0.388

76690 0.200 0.200

76691 0.444 0.444

76692 0.342 0.342

76693 0.587 0.587

76701 0.407 0.407

76704 0.402 0.402

76705 0.482 0.482

76706 0.572 0.572

76707 0.397 0.397

76708 0.400 0.400

76710 0.416 0.416

76711 0.413 0.413

76712 0.485 0.485

76801 0.154 0.154

76802 0.157 0.157

76820 0.320 0.320

76821 0.102 0.102

76823 0.152 0.152



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-57 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76825 0.201 0.201

76827 0.173 0.173

76828 0.119 0.119

76831 0.350 0.350

76832 0.268 0.268

76834 0.116 0.116

76836 0.161 0.161

76837 0.145 0.145

76841 0.160 0.160

76842 0.257 0.257

76844 0.256 0.256

76845 0.150 0.150

76848 0.204 0.204

76849 0.199 0.199

76852 0.168 0.168

76853 0.293 0.293

76854 0.211 0.211

76856 0.261 0.261

76857 0.138 0.138

76858 0.178 0.178

76859 0.176 0.176

76861 0.089 0.089

76862 0.146 0.146

76864 0.208 0.208

76865 0.086 0.086

76866 0.120 0.120

76869 0.292 0.292

76870 0.228 0.228

76871 0.227 0.227

76872 0.193 0.193

76873 0.156 0.156

76874 0.176 0.176

76875 0.101 0.101

76877 0.234 0.234

76878 0.142 0.142

76882 0.109 0.109

76883 0.186 0.186

76884 0.128 0.128

76885 0.293 0.293

76887 0.237 0.237

76888 0.140 0.140

76890 0.173 0.173

76901 0.073 0.073

76903 0.069 0.069

76904 0.096 0.096

76905 0.083 0.083

76908 0.070 0.070

76909 0.080 0.080

76930 0.071 0.071

76932 0.055 0.055

76933 0.078 0.078

76934 0.070 0.070

76935 0.112 0.112

76936 0.108 0.108

76937 0.103 0.103

76940 0.097 0.097

76941 0.074 0.074

76943 0.074 0.074

76945 0.067 0.067



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-58 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

76950 0.131 0.131

76951 0.059 0.059

76955 0.114 0.114

76957 0.093 0.093

76958 0.070 0.070

77002 7.032 7.032

77003 7.569 7.569

77004 8.031 7.543 8.031

77005 7.221 7.221

77006 7.282 7.282

77007 6.714 6.714

77008 6.407 6.407

77009 6.653 6.653

77010 6.987 6.987

77011 8.389 7.920 8.389

77012 9.550 9.142 9.550

77013 8.118 7.455 8.118

77014 5.221 5.221

77015 11.090 8.825 7.584 11.090

77016 6.062 6.062

77017 9.106 9.157 9.157

77018 6.089 6.089

77019 6.855 6.855

77020 7.872 7.466 7.872

77021 8.035 7.765 8.035

77022 6.207 6.207

77023 8.331 7.878 8.331

77024 6.572 6.236 6.572

77025 7.597 7.597

77026 6.896 6.896

77027 7.075 7.075

77028 6.862 6.538 6.862

77029 8.418 8.392 8.418

77030 7.432 7.432

77031 7.241 7.241

77032 6.039 6.038 6.039

77033 8.329 8.039 8.329

77034 10.353 9.489 10.353

77035 7.547 7.658 7.658

77036 7.110 7.023 7.110

77037 5.868 5.795 5.868

77038 5.799 5.673 5.799

77039 5.980 5.980

77040 5.653 5.653

77041 5.357 5.357

77042 6.391 6.391

77043 5.516 5.516

77044 7.592 6.838 7.592

77045 8.233 8.233

77046 7.106 7.106

77047 9.841 9.140 9.841

77048 9.253 8.932 9.253

77049 9.562 7.920 9.562

77050 6.006 5.793 6.006

77051 8.185 8.185

77053 9.494 9.494

77054 7.767 7.767

77055 6.464 6.229 6.464

77056 6.905 6.905



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-59 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

77057 6.962 6.610 6.962

77058 14.815 12.940 14.815

77059 12.849 11.484 12.849

77060 6.010 5.810 6.010

77061 9.107 9.217 9.217

77062 11.430 11.430

77063 7.026 6.943 7.026

77064 5.252 5.252

77065 4.893 4.893

77066 5.197 5.197

77067 5.483 5.483

77068 4.807 4.807

77069 4.977 4.977

77070 4.627 4.627

77071 7.415 7.397 7.415

77072 6.582 6.582

77073 5.394 5.394

77074 7.169 7.151 7.169

77075 9.384 9.601 9.601

77076 5.987 5.987

77077 5.699 5.699

77078 6.412 5.941 6.412

77079 5.539 5.539

77080 6.014 6.014

77081 7.255 7.255

77082 5.906 5.906

77083 6.470 6.470

77084 5.233 5.233

77085 7.942 7.672 7.942

77086 5.463 5.463

77087 8.587 8.587

77088 5.761 5.724 5.761

77089 9.918 9.918

77090 5.025 5.025

77091 5.907 5.860 5.907

77092 6.156 6.017 6.156

77093 6.080 6.080

77094 5.507 5.507

77095 5.143 5.143

77096 7.254 7.254

77098 7.130 7.130

77099 6.856 6.856

77301 3.161 3.161

77302 3.870 3.374 3.870

77303 3.356 3.356

77304 3.127 3.127

77306 3.946 3.553 3.946

77316 3.383 3.164 3.383

77318 3.557 3.557

77320 1.830 1.830

77327 4.652 4.032 3.602 4.652

77328 3.729 3.127 3.729

77331 3.161 4.666 4.666

77335 3.132 3.132

77336 6.903 4.806 6.903

77338 5.495 4.997 5.495

77339 5.461 4.804 5.461

77340 2.310 1.996 2.310

77345 6.222 5.010 6.222



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-60 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

77346 6.623 6.623

77351 3.020 2.216 3.020

77354 3.478 3.478

77355 3.505 3.505

77356 3.292 2.236 3.292

77357 5.295 4.286 5.295

77358 2.537 2.095 2.537

77359 1.821 2.063 2.063

77360 2.189 2.189

77362 3.751 3.751

77363 3.128 3.056 3.128

77364 2.395 2.854 2.854

77365 4.320 4.320

77371 3.295 3.295

77372 3.970 3.970

77373 4.365 4.365

77374 3.669 3.669

77375 4.304 3.998 4.304

77376 3.297 3.271 3.297

77377 4.425 4.393 4.425

77378 2.843 2.843

77379 4.488 4.488

77380 3.840 3.765 3.840

77381 3.763 3.589 3.763

77382 3.387 3.387

77384 3.344 3.344

77385 3.859 3.500 3.859

77386 5.082 4.123 5.082

77388 4.383 4.383

77389 4.002 3.702 4.002

77396 5.674 5.674

77399 2.633 2.633

77401 7.263 7.263

77406 7.952 7.575 7.952

77407 7.218 7.316 7.316

77412 5.080 5.080

77414 48.035 47.267 45.853 40.138 36.469 31.704 24.833 16.523 15.418 13.531 12.235 48.035

77417 9.483 9.483

77418 4.745 3.813 4.745

77419 12.451 12.451

77420 10.747 10.543 9.166 10.747

77422 46.641 44.445 41.098 39.015 37.421 29.797 17.446 13.623 12.468 11.703 46.641

77423 6.295 6.295

77426 3.584 3.584

77428 19.500 19.500

77429 4.560 4.882 4.882

77430 13.846 12.383 13.846

77433 5.520 6.052 6.052

77434 7.125 6.035 7.125

77435 8.448 8.448

77436 8.282 8.282

77437 11.511 9.448 11.511

77441 7.850 7.850

77442 6.215 4.738 6.215

77444 11.571 11.571

77445 4.651 3.817 4.651

77447 5.027 5.027

77448 8.901 8.901

77449 5.920 6.365 6.365



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-61 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

77450 5.974 6.232 6.232

77451 8.944 8.944

77454 7.127 7.127

77455 12.403 11.316 8.170 12.403

77456 13.872 13.872

77457 30.929 30.355 29.400 25.279 22.611 19.954 15.558 10.220 9.571 9.306 8.549 30.929

77458 12.503 12.503

77459 10.979 9.544 10.979

77461 11.201 10.231 11.201

77465 46.616 46.558 46.759 24.862 20.171 18.162 16.735 14.082 46.759

77466 4.293 4.293

77468 5.498 5.498

77469 6.756 6.412 6.756

77470 3.265 3.265

77471 5.951 5.946 5.951

77474 3.930 3.646 3.930

77475 2.327 2.327

77477 5.001 5.001

77478 5.045 5.045

77479 5.634 5.634

77480 7.167 6.576 6.140 4.860 7.167

77482 6.833 5.886 6.833

77483 48.035 47.267 45.853 40.138 36.469 31.704 24.833 16.523 15.418 13.531 12.235 48.035

77484 3.418 2.364 3.418

77485 4.954 4.339 4.954

77486 7.592 7.071 7.592

77488 9.097 8.808 9.097

77489 8.606 8.164 8.606

77493 6.705 6.705

77494 6.568 6.729 6.729

77498 7.361 7.361

77502 9.072 8.854 9.072

77503 9.745 9.802 9.802

77504 9.412 9.193 9.412

77505 10.200 10.200

77506 9.361 9.361

77507 17.814 18.100 16.063 11.699 18.100

77510 15.563 16.277 16.277

77511 40.444 30.023 18.490 14.510 14.402 40.444

77514 33.410 30.909 28.574 26.446 24.737 20.683 16.075 15.192 13.742 13.406 33.410

77515 22.531 18.308 15.487 14.597 22.531

77517 13.560 15.788 16.232 16.232

77518 37.541 35.625 33.943 27.395 24.682 37.541

77519 5.716 4.988 5.716

77520 16.019 15.253 13.503 12.387 16.019

77521 11.176 10.655 10.096 11.176

77523 27.426 26.121 24.679 22.929 20.875 16.302 11.104 27.426

77530 12.225 10.089 12.225

77531 16.635 15.565 16.635

77532 10.022 8.910 8.394 10.022

77533 6.504 6.504

77534 23.550 20.434 17.205 16.320 23.550

77535 14.767 10.168 8.907 8.712 6.697 4.885 14.767

77536 12.432 10.801 12.432

77538 10.350 11.471 11.723 8.649 11.723

77539 41.936 38.623 34.168 32.097 29.818 23.976 14.545 13.895 41.936

77541 50.206 49.165 46.534 44.449 42.139 33.175 26.905 21.567 50.206

77545 10.531 10.531

77546 11.079 10.884 11.079



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-62 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

77547 9.378 9.018 9.378

77550 48.310 46.772 44.286 43.711 46.273 45.959 48.310

77551 41.595 40.868 40.472 40.039 39.068 38.212 41.595

77554 51.744 51.317 50.126 46.873 43.628 39.933 36.220 51.744

77560 10.246 10.246

77562 10.956 10.950 10.956

77563 38.223 31.161 20.421 38.223

77564 6.445 5.464 6.445

77565 25.905 24.343 22.414 21.238 20.161 19.185 25.905

77566 14.948 14.745 15.835 15.835

77568 40.234 40.028 39.522 39.178 31.117 25.582 40.234

77571 23.507 21.549 19.796 18.710 17.422 15.152 13.025 23.507

77573 23.671 22.802 22.229 20.581 16.213 12.582 12.455 23.671

77575 9.756 9.048 8.154 6.723 5.033 9.756

77577 19.852 16.324 15.837 19.852

77578 11.836 12.112 12.112

77581 9.869 9.501 9.403 9.869

77582 9.299 9.299

77583 15.777 13.899 12.182 15.777

77584 10.574 10.559 9.868 10.574

77585 4.017 3.584 4.017

77586 33.799 29.705 24.738 23.133 22.229 19.087 33.799

77587 8.845 8.845

77590 44.654 43.596 39.659 37.098 35.569 29.177 44.654

77591 21.709 17.108 21.709

77597 14.768 11.761 11.609 14.768

77598 13.870 12.099 10.508 13.870

77611 20.440 15.193 20.440

77612 5.463 4.744 5.463

77613 10.056 9.601 10.056

77614 5.253 5.116 5.253

77616 3.191 3.191

77617 43.894 44.332 45.268 42.317 34.248 32.250 45.268

77619 16.681 16.681

77622 14.467 12.752 11.998 14.467

77623 44.337 43.118 39.726 36.983 34.792 32.365 44.337

77624 3.031 2.778 3.031

77625 5.253 4.721 5.253

77627 11.091 10.959 11.091

77629 10.351 10.351

77630 18.258 12.736 18.258

77632 7.701 6.079 7.701

77640 40.988 39.744 37.977 35.942 33.252 28.336 24.626 23.093 16.713 40.988

77642 21.598 19.567 18.702 21.598

77650 48.991 48.519 47.703 47.401 48.991

77651 14.492 12.872 14.492

77655 29.308 28.549 26.285 24.210 22.335 20.529 18.000 29.308

77656 5.212 4.561 5.212

77657 5.801 5.801

77659 5.947 6.114 6.114

77660 3.073 2.932 3.073

77662 8.518 6.183 8.518

77663 5.253 4.721 5.253

77664 3.223 3.223

77665 23.574 19.445 16.205 14.154 12.578 23.574

77701 10.034 10.034

77702 8.586 8.586

77703 7.840 7.167 7.840

77705 16.024 14.807 12.692 11.102 16.024



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-63 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

77706 8.683 7.997 8.683

77707 9.654 9.654

77708 6.883 6.883

77713 10.269 8.165 10.269

77801 1.431 1.431

77802 1.448 1.448

77803 1.460 1.460

77807 1.522 1.522

77808 1.820 1.545 1.820

77830 2.426 2.426

77831 1.946 1.723 1.946

77833 2.857 2.644 2.857

77835 2.746 2.527 2.746

77836 1.451 1.451

77837 0.918 0.918

77840 1.465 1.465

77845 1.873 1.616 1.873

77853 1.585 1.585

77856 0.897 0.897

77857 1.046 1.046

77859 1.113 1.113

77861 1.902 1.737 1.902

77864 1.642 1.662 1.662

77865 0.954 0.954

77868 3.171 2.908 3.171

77871 1.272 1.272

77872 1.689 1.689

77873 2.062 2.062

77879 2.348 1.942 2.348

77880 3.204 3.204

77901 7.514 7.011 7.514

77904 7.822 6.989 7.822

77905 11.230 9.113 7.119 11.230

77950 19.867 19.867

77951 10.218 10.218

77954 4.526 3.859 4.526

77957 15.497 10.173 7.217 15.497

77961 12.902 12.902

77962 12.170 10.851 7.791 12.170

77963 8.664 6.941 8.664

77964 4.463 3.745 4.463

77968 9.339 7.449 9.339

77970 12.166 12.166

77971 13.213 12.099 13.213

77974 4.979 4.979

77975 3.621 3.621

77979 34.697 26.131 25.581 19.976 15.839 11.543 34.697

77982 35.467 33.383 35.467

77983 30.323 25.468 17.990 16.248 30.323

77984 3.741 3.741

77988 8.330 8.330

77990 21.566 17.016 13.098 10.167 21.566

77991 12.242 12.242

77994 3.656 3.656

77995 4.841 3.874 4.841

78002 1.023 1.023

78003 0.439 0.439

78004 0.612 0.612

78005 1.235 1.235



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-64 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78006 0.559 0.559

78007 3.041 2.289 3.041

78008 2.832 2.427 2.832

78009 0.791 0.791

78010 0.441 0.441

78011 1.696 1.696

78012 2.449 2.281 2.449

78013 0.503 0.503

78014 1.706 1.706

78015 0.571 0.571

78016 0.911 0.911

78017 0.929 0.929

78019 1.171 1.171

78021 1.694 1.694

78022 4.600 3.689 4.600

78023 0.489 0.489

78024 0.254 0.254

78025 0.250 0.250

78026 2.623 2.058 2.623

78027 0.645 0.645

78028 0.330 0.330

78039 0.872 0.872

78040 0.888 0.888

78041 2.143 1.745 2.143

78043 1.321 1.321

78045 0.887 0.887

78046 1.038 1.038

78050 1.770 1.770

78052 0.977 0.977

78055 0.286 0.286

78056 0.469 0.469

78057 1.004 1.004

78058 0.276 0.276

78059 0.961 0.961

78061 0.979 0.979

78063 0.449 0.449

78064 2.096 2.096

78065 1.327 1.327

78066 0.598 0.598

78067 1.160 1.160

78069 1.102 1.102

78070 0.671 0.671

78071 4.612 3.622 4.612

78072 2.663 1.993 2.663

78073 1.140 1.140

78075 3.032 3.032

78076 2.111 1.793 2.111

78101 1.543 1.543

78102 7.742 6.435 4.514 7.742

78108 1.304 1.304

78109 1.292 1.292

78111 3.486 3.486

78112 1.626 1.626

78113 2.900 2.474 2.900

78114 2.776 2.216 2.776

78116 3.161 3.161

78117 3.258 3.258

78118 3.451 3.451

78119 4.823 4.019 4.823



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-65 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78121 1.659 1.659

78122 2.082 2.082

78123 1.584 1.584

78124 1.516 1.516

78130 1.363 1.363

78132 0.871 0.871

78133 0.730 0.730

78140 2.834 2.401 2.834

78141 4.663 4.291 4.663

78142 5.179 5.179

78145 3.767 3.767

78146 4.909 4.909

78147 2.676 2.676

78148 1.075 1.075

78150 1.317 1.317

78151 4.784 4.216 4.784

78152 1.537 1.537

78154 1.246 1.246

78155 1.615 1.615

78159 3.209 3.209

78160 2.822 2.211 2.822

78161 1.971 1.971

78162 5.070 5.070

78163 0.658 0.658

78164 4.600 3.960 4.600

78201 0.682 0.682

78202 0.835 0.835

78203 0.845 0.845

78204 0.782 0.782

78205 0.819 0.819

78206 0.860 0.860

78207 0.706 0.706

78208 0.829 0.829

78209 0.805 0.805

78210 0.959 0.959

78211 0.943 0.943

78212 0.761 0.761

78213 0.679 0.679

78214 1.055 1.055

78215 0.814 0.814

78216 0.747 0.747

78217 0.839 0.839

78218 0.996 0.996

78219 1.046 1.046

78220 1.118 1.118

78221 1.220 1.220

78222 1.319 1.319

78223 1.378 1.378

78224 1.091 1.091

78225 0.902 0.902

78226 0.853 0.853

78227 0.866 0.866

78228 0.673 0.673

78229 0.670 0.670

78230 0.666 0.666

78231 0.664 0.664

78232 0.735 0.735

78233 0.959 0.959

78234 0.832 0.832



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-66 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78235 1.095 1.095

78236 0.935 0.935

78237 0.688 0.688

78238 0.756 0.756

78239 1.014 1.014

78240 0.627 0.627

78242 0.961 0.961

78244 1.173 1.173

78245 0.786 0.786

78247 0.835 0.835

78248 0.631 0.631

78249 0.605 0.605

78250 0.670 0.670

78251 0.750 0.750

78252 0.954 0.954

78253 0.653 0.653

78254 0.535 0.535

78255 0.498 0.498

78256 0.515 0.515

78257 0.555 0.555

78258 0.620 0.620

78259 0.697 0.697

78260 0.614 0.614

78261 0.698 0.698

78263 1.432 1.432

78264 1.333 1.333

78266 0.777 0.777

78330 6.033 6.033

78332 6.359 5.612 6.359

78336 25.065 17.719 14.870 14.792 25.065

78338 16.822 12.983 9.432 9.331 7.987 16.822

78339 6.941 6.941

78340 17.488 14.003 17.488

78341 3.691 3.691

78343 10.500 9.064 7.104 6.035 10.500

78344 2.255 1.951 2.255

78347 11.185 10.532 9.960 11.185

78349 4.348 4.348

78350 5.038 5.038

78351 7.861 7.861

78352 7.585 7.585

78353 6.818 5.458 6.818

78355 6.948 5.763 6.948

78357 3.627 2.731 2.184 3.627

78358 20.164 20.164

78359 13.208 12.855 13.208

78360 2.312 2.312

78361 4.343 3.168 1.936 4.343

78362 19.705 15.646 19.705

78363 18.926 17.296 14.316 11.902 9.352 7.110 5.965 18.926

78368 6.883 6.257 6.883

78369 2.092 1.928 2.092

78370 10.592 8.194 10.592

78372 5.619 4.014 5.619

78373 34.516 33.831 32.996 32.195 31.609 28.657 23.175 16.609 34.516

78374 15.412 14.104 15.412

78375 6.599 5.853 6.599

78376 4.119 3.082 4.119

78377 18.157 16.178 11.056 9.052 18.157



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-67 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78379 13.354 9.865 7.582 13.354

78380 8.776 7.067 5.960 8.776

78382 38.238 37.866 36.784 35.651 34.497 31.238 20.450 18.211 14.008 11.635 38.238

78383 6.510 6.162 6.510

78384 4.053 3.479 4.053

78385 30.618 30.094 29.153 27.831 26.970 22.902 17.969 14.523 11.825 9.317 7.835 30.618

78387 9.863 8.047 6.741 9.863

78389 7.410 6.818 7.410

78390 18.211 14.309 11.631 9.330 18.211

78391 6.790 6.790

78393 15.880 11.346 8.622 15.880

78401 18.026 18.026

78402 18.402 14.815 18.402

78404 16.822 16.314 16.822

78405 14.507 14.507

78406 11.296 10.174 11.296

78407 17.595 15.219 17.595

78408 15.049 14.186 15.049

78409 12.585 13.143 13.143

78410 9.399 8.459 9.399

78411 15.609 16.323 16.323

78412 19.338 17.171 17.189 19.338

78413 11.449 10.362 11.449

78414 19.588 15.612 12.802 19.588

78415 11.360 10.822 9.675 11.360

78416 11.963 11.963

78417 10.372 9.861 10.372

78418 31.451 30.442 28.815 27.718 26.678 25.944 18.238 31.451

78419 21.522 21.522

78501 2.746 2.746

78503 2.967 2.967

78504 3.026 3.026

78516 3.716 3.716

78520 7.818 7.818

78521 27.393 25.586 24.789 23.884 22.555 19.126 14.758 11.662 8.749 7.493 27.393

78526 9.740 8.568 8.188 9.740

78535 6.821 6.821

78536 3.409 3.149 3.409

78537 4.313 4.313

78538 6.097 5.309 6.097

78539 3.300 3.300

78541 3.822 2.970 3.822

78542 6.491 5.475 6.491

78543 5.091 5.091

78548 2.276 2.276

78549 5.452 5.452

78550 8.405 7.208 8.405

78552 6.549 6.549

78557 3.326 3.326

78558 4.726 4.726

78559 5.983 5.983

78560 2.623 2.623

78562 5.730 5.730

78563 5.653 5.653

78564 1.460 1.460

78565 2.502 2.502

78566 17.754 13.825 10.561 9.162 17.754

78567 7.158 7.158

78569 32.855 32.430 31.456 30.458 29.264 27.673 20.353 16.781 11.087 8.992 6.886 32.855



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-68 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78570 5.880 5.272 5.880

78572 2.782 2.738 2.782

78573 2.944 2.944

78574 2.970 2.787 2.970

78575 8.315 8.315

78576 3.029 2.781 3.029

78577 3.309 3.309

78578 28.571 28.023 23.366 17.686 13.363 10.485 28.571

78580 20.752 15.505 9.872 8.637 6.952 5.442 20.752

78582 3.153 2.218 1.716 3.153

78583 19.778 15.532 10.884 9.569 19.778

78584 1.843 1.677 1.843

78586 10.321 8.613 7.025 10.321

78588 3.660 3.200 3.660

78589 3.538 3.538

78591 3.617 2.900 3.617

78592 6.057 6.057

78593 6.371 6.371

78595 2.577 2.577

78596 4.790 4.790

78597 34.127 33.680 32.619 31.282 30.145 29.488 34.127

78598 21.283 21.283

78599 4.679 4.679

78602 1.280 1.280

78605 0.507 0.507

78606 0.638 0.638

78607 0.367 0.367

78608 0.482 0.482

78609 0.492 0.492

78610 1.132 1.132

78611 0.373 0.373

78612 1.207 1.207

78613 0.535 0.535

78614 2.920 2.650 2.920

78615 1.244 1.244

78616 1.582 1.582

78617 1.239 1.239

78618 0.314 0.314

78619 0.734 0.734

78620 0.636 0.636

78621 1.154 1.154

78623 0.718 0.718

78624 0.424 0.424

78626 0.958 0.958

78628 0.671 0.671

78629 3.174 2.389 3.174

78631 0.310 0.310

78632 1.989 1.989

78633 0.688 0.688

78634 1.102 1.102

78635 0.582 0.582

78636 0.565 0.565

78638 1.744 1.744

78639 0.439 0.439

78640 1.323 1.323

78641 0.488 0.488

78642 0.539 0.539

78643 0.368 0.368

78644 1.603 1.603



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-69 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78645 0.535 0.535

78648 1.772 1.772

78650 1.171 1.171

78652 0.865 0.865

78653 1.187 1.187

78654 0.446 0.446

78655 1.616 1.616

78656 1.533 1.533

78657 0.478 0.478

78659 1.380 1.380

78660 1.072 1.072

78661 1.640 1.640

78662 1.465 1.465

78663 0.511 0.511

78664 0.950 0.950

78665 0.963 0.963

78666 1.093 1.093

78669 0.570 0.570

78670 1.600 1.600

78671 0.583 0.583

78672 0.384 0.384

78675 0.393 0.393

78676 0.662 0.662

78677 2.911 2.810 2.911

78681 0.746 0.746

78701 0.843 0.843

78702 0.906 0.906

78703 0.781 0.781

78704 0.857 0.857

78705 0.836 0.836

78712 0.835 0.835

78717 0.677 0.677

78719 1.295 1.295

78721 1.109 1.109

78722 0.865 0.865

78723 1.010 1.010

78724 1.100 1.100

78725 1.141 1.141

78726 0.494 0.494

78727 0.752 0.752

78728 0.901 0.901

78729 0.676 0.676

78730 0.551 0.551

78731 0.700 0.700

78732 0.541 0.541

78733 0.558 0.558

78734 0.576 0.576

78735 0.621 0.621

78736 0.576 0.576

78737 0.684 0.684

78738 0.601 0.601

78739 0.783 0.783

78741 0.974 0.974

78742 1.142 1.142

78744 1.149 1.149

78745 0.871 0.871

78746 0.638 0.638

78747 1.217 1.217

78748 0.847 0.847



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-70 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78749 0.671 0.671

78750 0.563 0.563

78751 0.742 0.742

78752 0.803 0.803

78753 0.982 0.982

78754 1.005 1.005

78756 0.725 0.725

78757 0.717 0.717

78758 0.815 0.815

78759 0.692 0.692

78801 0.352 0.352

78827 0.767 0.767

78828 0.176 0.176

78829 0.570 0.570

78830 0.731 0.731

78832 0.234 0.234

78833 0.171 0.171

78834 0.526 0.526

78836 0.816 0.816

78837 0.108 0.108

78838 0.233 0.233

78839 0.456 0.456

78840 0.143 0.143

78843 0.177 0.177

78850 0.622 0.622

78851 0.060 0.060

78852 0.367 0.367

78861 0.557 0.557

78870 0.502 0.502

78871 0.084 0.084

78872 0.455 0.455

78873 0.220 0.220

78877 0.283 0.283

78879 0.219 0.219

78880 0.193 0.193

78881 0.470 0.470

78883 0.311 0.311

78884 0.315 0.315

78885 0.255 0.255

78886 0.832 0.832

78931 3.151 3.151

78932 2.321 2.321

78933 4.172 4.172

78934 3.502 3.502

78935 4.295 4.295

78938 2.887 2.887

78940 2.865 2.815 2.865

78941 3.020 2.300 3.020

78942 1.956 1.956

78943 3.171 3.171

78944 3.090 3.090

78945 3.116 2.414 3.116

78946 2.122 2.122

78947 1.235 1.235

78948 1.597 1.597

78949 2.951 2.327 2.951

78950 2.901 2.901

78951 3.483 3.483

78953 1.629 1.629



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-71 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

78954 2.703 2.496 2.703

78956 3.376 3.099 3.376

78957 1.732 1.732

78959 2.783 2.398 2.783

78962 3.243 3.243

78963 2.175 2.175

79001 0.005 0.005

79002 0.010 0.010

79003 0.013 0.013

79005 0.007 0.007

79007 0.005 0.005

79009 0.005 0.005

79010 0.012 0.012

79011 0.013 0.013

79012 0.010 0.010

79013 0.003 0.003

79014 0.010 0.010

79015 0.006 0.006

79018 0.003 0.003

79019 0.006 0.006

79021 0.010 0.010

79022 0.003 0.003

79024 0.007 0.007

79027 0.007 0.007

79029 0.004 0.004

79031 0.008 0.008

79032 0.010 0.010

79033 0.010 0.010

79034 0.009 0.009

79035 0.006 0.006

79036 0.004 0.004

79039 0.007 0.007

79040 0.005 0.005

79041 0.010 0.010

79042 0.007 0.007

79043 0.008 0.008

79044 0.003 0.003

79045 0.006 0.006

79046 0.010 0.010

79051 0.004 0.004

79052 0.008 0.008

79054 0.009 0.009

79056 0.009 0.009

79057 0.009 0.009

79058 0.004 0.004

79059 0.009 0.009

79061 0.012 0.012

79062 0.004 0.004

79063 0.007 0.007

79064 0.009 0.009

79065 0.008 0.008

79068 0.005 0.005

79070 0.006 0.006

79072 0.009 0.009

79078 0.004 0.004

79079 0.013 0.013

79080 0.006 0.006

79081 0.006 0.006

79082 0.008 0.008



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-72 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

79083 0.005 0.005

79084 0.004 0.004

79085 0.006 0.006

79086 0.004 0.004

79087 0.003 0.003

79088 0.008 0.008

79092 0.004 0.004

79093 0.010 0.010

79094 0.007 0.007

79095 0.013 0.013

79096 0.014 0.014

79097 0.006 0.006

79098 0.005 0.005

79101 0.004 0.004

79102 0.004 0.004

79103 0.004 0.004

79104 0.004 0.004

79106 0.003 0.003

79107 0.004 0.004

79108 0.004 0.004

79109 0.004 0.004

79110 0.004 0.004

79111 0.005 0.005

79118 0.005 0.005

79119 0.005 0.005

79121 0.004 0.004

79124 0.004 0.004

79201 0.015 0.015

79220 0.022 0.022

79221 0.010 0.010

79223 0.017 0.017

79225 0.026 0.026

79226 0.008 0.008

79227 0.030 0.030

79229 0.024 0.024

79230 0.015 0.015

79233 0.013 0.013

79234 0.012 0.012

79235 0.014 0.014

79237 0.010 0.010

79239 0.010 0.010

79240 0.009 0.009

79241 0.011 0.011

79243 0.018 0.018

79244 0.016 0.016

79245 0.012 0.012

79247 0.026 0.026

79248 0.024 0.024

79250 0.012 0.012

79251 0.011 0.011

79252 0.022 0.022

79255 0.009 0.009

79256 0.019 0.019

79257 0.009 0.009

79258 0.011 0.011

79259 0.015 0.015

79261 0.012 0.012

79311 0.011 0.011

79312 0.009 0.009



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-73 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

79313 0.011 0.011

79314 0.010 0.010

79316 0.013 0.013

79322 0.020 0.020

79323 0.009 0.009

79324 0.008 0.008

79325 0.005 0.005

79326 0.012 0.012

79329 0.013 0.013

79330 0.030 0.030

79331 0.018 0.018

79336 0.010 0.010

79339 0.009 0.009

79342 0.013 0.013

79343 0.015 0.015

79344 0.007 0.007

79345 0.013 0.013

79346 0.008 0.008

79347 0.007 0.007

79350 0.012 0.012

79351 0.022 0.022

79353 0.009 0.009

79355 0.008 0.008

79356 0.025 0.025

79357 0.018 0.018

79358 0.013 0.013

79359 0.012 0.012

79360 0.011 0.011

79363 0.011 0.011

79364 0.016 0.016

79366 0.015 0.015

79367 0.012 0.012

79370 0.026 0.026

79371 0.008 0.008

79372 0.011 0.011

79373 0.018 0.018

79376 0.011 0.011

79377 0.015 0.015

79379 0.009 0.009

79381 0.018 0.018

79382 0.013 0.013

79401 0.011 0.011

79403 0.013 0.013

79404 0.014 0.014

79407 0.011 0.011

79409 0.010 0.010

79410 0.011 0.011

79411 0.011 0.011

79412 0.012 0.012

79413 0.011 0.011

79414 0.011 0.011

79415 0.011 0.011

79416 0.010 0.010

79423 0.014 0.014

79424 0.013 0.013

79501 0.059 0.059

79502 0.035 0.035

79503 0.060 0.060

79504 0.089 0.089



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-74 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

79505 0.037 0.037

79506 0.063 0.063

79508 0.058 0.058

79510 0.088 0.088

79511 0.039 0.039

79512 0.054 0.054

79517 0.032 0.032

79518 0.029 0.029

79519 0.090 0.090

79520 0.049 0.049

79521 0.056 0.056

79525 0.066 0.066

79526 0.045 0.045

79527 0.039 0.039

79528 0.035 0.035

79529 0.035 0.035

79530 0.081 0.081

79532 0.052 0.052

79533 0.073 0.073

79534 0.051 0.051

79535 0.063 0.063

79536 0.055 0.055

79537 0.056 0.056

79538 0.095 0.095

79539 0.039 0.039

79540 0.039 0.039

79541 0.075 0.075

79543 0.048 0.048

79544 0.040 0.040

79545 0.055 0.055

79546 0.043 0.043

79547 0.041 0.041

79548 0.047 0.047

79549 0.037 0.037

79553 0.053 0.053

79556 0.052 0.052

79560 0.053 0.053

79561 0.053 0.053

79562 0.056 0.056

79563 0.056 0.056

79565 0.045 0.045

79566 0.065 0.065

79567 0.084 0.084

79601 0.079 0.079

79602 0.071 0.071

79603 0.053 0.053

79605 0.057 0.057

79606 0.056 0.056

79607 0.057 0.057

79701 0.021 0.021

79703 0.019 0.019

79705 0.020 0.020

79706 0.027 0.027

79707 0.018 0.018

79713 0.022 0.022

79714 0.015 0.015

79718 0.007 0.007

79719 0.012 0.012

79720 0.034 0.034



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-75 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

79730 0.015 0.015

79731 0.027 0.027

79733 0.040 0.040

79734 0.007 0.007

79735 0.026 0.026

79738 0.027 0.027

79739 0.040 0.040

79740 0.028 0.028

79741 0.016 0.016

79742 0.020 0.020

79743 0.023 0.023

79744 0.047 0.047

79745 0.014 0.014

79748 0.025 0.025

79749 0.022 0.022

79752 0.034 0.034

79754 0.008 0.008

79755 0.038 0.038

79756 0.017 0.017

79758 0.017 0.017

79759 0.020 0.020

79761 0.017 0.017

79762 0.017 0.017

79763 0.019 0.019

79764 0.016 0.016

79765 0.020 0.020

79766 0.023 0.023

79772 0.007 0.007

79777 0.011 0.011

79778 0.043 0.043

79782 0.023 0.023

79783 0.018 0.018

79785 0.006 0.006

79788 0.015 0.015

79789 0.012 0.012

79821 0.002 0.002

79830 0.013 0.013

79834 0.017 0.017

79835 0.002 0.002

79836 0.002 0.002

79837 0.002 0.002

79838 0.002 0.002

79839 0.003 0.003

79842 0.028 0.028

79843 0.006 0.006

79845 0.005 0.005

79847 0.004 0.004

79848 0.047 0.047

79849 0.002 0.002

79851 0.004 0.004

79852 0.008 0.008

79853 0.003 0.003

79854 0.006 0.006

79855 0.005 0.005

79901 0.002 0.002

79902 0.001 0.001

79903 0.001 0.001

79904 0.001 0.001

79905 0.002 0.002



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-76 Ed. 8/22/2018

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and <

0.5 Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

5 Miles

>= 5 and <

10 Miles

>= 10 and <

15 Miles

>= 15 and <

20 Miles

>= 20 and <

30 Miles

>= 30 and <

45 Miles

>= 45 and <

70 Miles

>= 70 and < 100

Miles

>= 100

Miles Default

79906 0.001 0.001

79907 0.002 0.002

79908 0.002 0.002

79911 0.002 0.002

79912 0.001 0.001

79915 0.002 0.002

79918 0.001 0.001

79922 0.001 0.001

79924 0.002 0.002

79925 0.002 0.002

79927 0.002 0.002

79928 0.003 0.003

79930 0.001 0.001

79932 0.002 0.002

79934 0.002 0.002

79935 0.002 0.002

79936 0.002 0.002

79938 0.002 0.002

75132 0.207 0.207

75978 1.096 1.096

76113 0.114 0.114

76121 0.114 0.114

77279 6.987 6.987

77315 5.463 5.463

77367 1.83 1.83

77415 48.035 47.267 45.853 40.138 36.469 31.704 24.833 16.523 15.418 13.531 12.235 48.035

77440 46.616 46.558 46.759 24.862 20.171 18.162 16.735 14.082 46.759

77443 9.097 8.808 9.097

77453 9.097 8.808 9.097

77464 5.951 5.946 5.951

77476 7.85 7.85

77561 9.756 9.048 8.154 6.723 5.033 9.756

77574 23.671 22.802 22.229 20.581 16.213 12.582 12.455 23.671

77580 27.426 26.121 24.679 22.929 20.875 16.302 11.104 27.426

77588 9.869 9.501 9.403 9.869

77615 5.463 4.744 5.463

77661 33.41 30.909 28.574 26.446 24.737 20.683 16.075 15.192 13.742 13.406 33.41

77977 34.697 26.131 25.581 19.976 15.839 11.543 34.697

78547 3.153 2.218 1.716 3.153

78561 20.752 15.505 9.872 8.637 6.952 5.442 20.752

78568 19.778 15.532 10.884 9.569 19.778

78579 4.79 4.79

78590 20.752 15.505 9.872 8.637 6.952 5.442 20.752

78594 32.855 32.43 31.456 30.458 29.264 27.673 20.353 16.781 11.087 8.992 6.886 32.855



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-77 Ed. 8/22/2018

Tornado / Hail ZIP Code Relativities Applies to HO 03, HO 05 and HO 04

ZIP Code Tornado Hail Factor

75001 3.934

75002 3.934

75006 3.934

75007 3.934

75009 3.934

75010 3.376

75013 3.376

75019 3.934

75020 3.934

75021 3.376

75022 3.934

75023 3.934

75024 3.934

75025 3.934

75028 3.934

75032 3.934

75033 3.376

75034 3.376

75035 3.934

75038 3.376

75039 3.934

75040 3.934

75041 3.376

75042 3.376

75043 3.376

75044 3.376

75048 3.934

75050 3.376

75051 3.376

75052 3.376

75054 3.376

75056 3.934

75057 3.934

75058 3.376

75060 3.376

75061 3.376

75062 3.934


75063 3.934

75065 3.376

75067 3.376

75068 3.934

75069 3.376

75070 3.376

75071 3.934

75074 3.934

75075 3.934

75076 3.934

75077 3.934

75078 3.934

75080 3.376

75081 3.376

75082 3.934

75087 3.376

75088 3.934

75089 3.376

75090 3.934

75092 3.376

75093 3.934

75094 3.376

75098 3.376

75102 3.376

75103 3.376

75104 3.376

75105 3.376

75109 3.376

75110 2.185

75114 3.376

75115 3.376

75116 3.934

75117 2.185

75119 3.376

75124 3.376

75125 3.376

75126 3.376


75127 3.376

75134 3.376

75135 3.376

75137 3.934

75140 3.376

75141 3.376

75142 3.376

75143 3.376

75144 3.376

75146 3.376

75147 3.376

75148 3.376

75149 3.376

75150 3.934

75152 3.376

75153 2.185

75154 3.376

75155 3.376

75156 3.376

75157 3.376

75158 2.185

75159 3.376

75160 3.376

75161 3.376

75163 2.185

75165 3.376

75166 3.934

75167 3.376

75169 3.376

75172 3.376

75173 3.376

75180 3.376

75181 3.376

75182 3.376

75189 3.934

75201 3.376

75202 3.376


75203 3.376

75204 3.934

75205 3.376

75206 3.376

75207 3.376

75208 3.934

75209 3.376

75210 3.376

75211 3.934

75212 3.376

75214 3.376

75215 3.934

75216 3.934

75217 3.376

75218 3.376

75219 3.376

75220 3.376

75223 3.376

75224 3.934

75225 3.376

75226 3.934

75227 3.376

75228 3.376

75229 3.376

75230 3.376

75231 3.376

75232 3.934

75233 3.376

75234 3.376

75235 3.376

75236 3.376

75237 3.376

75238 3.376

75240 3.376

75241 3.376

75243 3.376

75244 3.934



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-78 Ed. 8/22/2018


75246 3.934

75247 3.376

75248 3.376

75249 3.376

75251 3.376

75252 3.376

75253 3.376

75254 3.376

75261 3.376

75287 3.934

75401 3.376

75402 3.376

75407 3.376

75409 3.376

75410 3.376

75411 3.376

75412 2.185

75413 3.376

75414 3.376

75415 3.934

75416 3.376

75417 3.376

75418 3.376

75420 3.376

75421 3.376

75422 3.376

75423 3.376

75424 3.376

75426 3.376

75428 3.376

75431 3.376

75432 3.376

75433 3.376

75435 3.376

75436 3.376

75437 3.376

75438 3.376

75439 3.376

75440 3.376


75442 3.376

75446 3.376

75447 3.934

75448 3.376

75449 3.376

75450 3.934

75451 3.376

75452 3.376

75453 3.376

75454 3.934

75455 3.376

75457 3.376

75459 3.934

75460 3.934

75462 3.376

75468 3.376

75469 3.376

75470 3.376

75471 3.376

75472 3.934

75473 3.376

75474 3.934

75475 3.376

75476 3.376

75477 3.376

75478 3.376

75479 3.376

75480 3.376

75481 3.934

75482 3.376

75486 3.376

75487 3.376

75488 3.376

75489 3.895

75490 3.376

75491 3.376

75492 3.376

75493 3.376

75494 3.376


75495 3.376

75496 3.376

75497 3.376

75501 3.376

75503 2.185

75550 3.376

75551 2.185

75554 3.376

75555 2.185

75556 3.376

75558 3.376

75559 3.376

75560 3.376

75561 2.185

75563 3.376

75564 2.185

75566 3.376

75567 2.185

75568 3.376

75569 3.376

75570 3.376

75571 3.376

75572 3.376

75574 3.376

75601 3.376

75602 3.376

75603 3.376

75604 2.185

75605 2.185

75630 2.185

75631 2.185

75633 2.185

75638 3.376

75639 2.185

75640 2.185

75641 3.934

75643 2.185

75644 3.376

75645 3.376


75647 2.185

75650 2.185

75651 3.376

75652 2.185

75654 2.185

75656 3.376

75657 2.185

75661 2.185

75662 3.376

75667 2.185

75668 3.376

75669 2.185

75670 2.185

75672 2.185

75681 1.811

75683 3.376

75684 3.376

75685 2.185

75686 3.376

75691 3.376

75692 3.376

75693 2.185

75701 3.376

75702 3.376

75703 2.185

75704 3.376

75705 3.376

75706 2.185

75707 3.376

75708 3.376

75709 3.376

75750 2.185

75751 3.376

75752 3.376

75754 2.185

75755 3.376

75756 3.376

75757 3.376

75758 2.185



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-79 Ed. 8/22/2018


75759 2.185

75760 2.185

75762 2.185

75763 3.376

75764 2.185

75765 3.376

75766 2.185

75770 2.185

75771 3.376

75773 2.185

75778 3.376

75780 2.185

75783 3.376

75784 2.185

75785 2.185

75788 2.185

75789 3.376

75790 3.376

75791 3.376

75792 3.376

75801 3.376

75803 2.185

75831 1.811

75833 1.811

75835 1.811

75838 1.811

75839 2.185

75840 2.185

75844 1.811

75845 1.804

75846 1.811

75847 1.811

75849 1.811

75850 1.811

75851 1.811

75852 1.804

75853 2.185

75855 2.185

75856 1.811


75858 1.811

75859 3.376

75860 2.185

75861 2.185

75862 1.804

75901 2.185

75904 2.185

75925 2.185

75926 1.811

75928 1.775

75929 1.811

75930 1.811

75931 1.804

75932 1.804

75933 1.775

75934 1.811

75935 1.811

75936 1.804

75937 1.811

75938 1.804

75939 1.811

75941 1.811

75942 1.804

75943 1.811

75944 1.811

75946 1.811

75948 1.804

75949 1.811

75951 1.775

75954 2.185

75956 1.775

75959 1.811

75960 1.804

75961 1.811

75964 1.811

75965 1.811

75966 1.775

75968 1.804

75969 2.185


75972 1.811

75973 2.185

75974 2.185

75975 2.185

75976 2.185

75977 1.804

75979 1.804

75980 1.804

76001 3.934

76002 3.934

76005 3.376

76006 3.376

76008 3.934

76009 3.376

76010 3.934

76011 3.376

76012 3.376

76013 3.934

76014 3.934

76015 3.934

76016 3.934

76017 3.934

76018 3.934

76020 3.934

76021 3.934

76022 3.934

76023 3.376

76028 3.934

76031 3.376

76033 3.376

76034 3.934

76035 3.376

76036 3.934

76039 3.934

76040 3.934

76041 3.376

76043 3.376

76044 3.376

76048 3.376


76049 3.376

76050 3.934

76051 3.376

76052 3.934

76053 3.934

76054 3.376

76055 3.376

76058 3.376

76059 3.376

76060 3.934

76061 3.376

76063 3.934

76064 3.376

76065 3.376

76066 3.934

76067 3.376

76070 3.376

76071 3.934

76073 3.376

76077 3.376

76078 3.376

76082 3.376

76084 3.376

76085 3.376

76086 3.934

76087 3.934

76088 3.376

76092 3.376

76093 2.185

76102 3.376

76103 3.934

76104 3.934

76105 3.934

76106 3.934

76107 3.376

76108 3.934

76109 3.376

76110 3.376

76111 3.376



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-80 Ed. 8/22/2018


76112 3.376

76114 3.376

76115 3.376

76116 3.934

76117 3.934

76118 3.934

76119 3.934

76120 3.934

76123 3.934

76126 3.934

76127 3.376

76131 3.934

76132 3.376

76133 3.934

76134 3.934

76135 3.376

76137 3.376

76140 3.934

76148 3.376

76155 3.376

76164 3.376

76177 3.934

76179 3.934

76180 3.376

76182 3.934

76201 3.934

76203 3.934

76205 3.934

76207 3.934

76208 3.934

76209 3.376

76210 3.934

76225 3.376

76226 3.934

76227 3.934

76228 3.948

76230 3.895

76233 3.934

76234 3.934


76238 3.934

76239 3.895

76240 3.934

76244 3.934

76245 3.376

76247 3.376

76248 3.376

76249 3.934

76250 3.376

76251 3.895

76252 3.934

76253 3.376

76255 3.895

76258 3.376

76259 3.934

76261 3.895

76262 3.934

76263 3.376

76264 3.376

76265 3.895

76266 3.934

76270 3.895

76271 3.376

76272 3.376

76273 3.934

76301 3.948

76302 3.895

76305 3.895

76306 3.895

76308 3.948

76309 3.948

76310 3.948

76311 3.948

76351 3.895

76354 3.895

76357 3.895

76360 3.895

76363 3.895

76364 3.895


76365 3.895

76366 3.895

76367 3.895

76370 3.895

76371 3.895

76372 3.895

76373 3.895

76374 3.895

76377 3.895

76379 3.895

76380 3.895

76384 3.895

76388 3.895

76389 3.895

76401 2.185

76424 3.376

76426 3.376

76427 3.934

76429 3.376

76430 3.934

76431 3.934

76432 1.811

76433 2.185

76435 3.376

76436 2.185

76437 3.376

76442 2.185

76443 3.934

76444 2.185

76445 3.376

76446 2.185

76448 2.185

76449 3.376

76450 3.895

76452 2.185

76453 3.376

76454 2.185

76455 2.185

76457 2.185


76458 3.934

76459 3.376

76460 3.895

76462 3.376

76463 3.376

76464 3.934

76469 3.934

76470 3.376

76471 2.185

76472 3.934

76474 2.185

76475 3.376

76476 3.376

76481 3.895

76483 3.895

76484 3.376

76486 3.934

76487 3.376

76490 3.934

76491 3.934

76501 2.185

76502 1.811

76504 1.811

76511 1.811

76513 1.811

76518 1.804

76519 1.811

76520 1.811

76522 1.811

76523 1.804

76524 2.185

76525 1.811

76527 1.804

76528 2.185

76530 1.804

76531 2.185

76534 1.811

76537 1.811

76538 2.185



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-81 Ed. 8/22/2018


76539 1.811

76541 1.811

76542 1.811

76543 1.811

76544 1.811

76548 2.185

76549 1.811

76550 1.804

76554 1.811

76556 1.811

76557 2.185

76559 1.811

76561 2.185

76565 2.185

76566 1.811

76567 1.804

76569 1.811

76570 1.811

76571 1.811

76574 1.804

76577 1.804

76578 1.811

76579 2.185

76621 2.185

76622 3.376

76624 2.185

76626 3.376

76627 3.376

76629 2.185

76630 2.185

76631 2.185

76632 1.811

76633 3.376

76634 2.185

76635 2.185

76636 3.376

76637 1.811

76638 2.185

76639 2.185


76640 2.185

76641 3.376

76642 2.185

76643 2.185

76645 2.185

76648 3.376

76649 2.185

76651 3.376

76652 3.376

76653 2.185

76655 2.185

76656 1.811

76657 1.811

76660 3.376

76661 2.185

76664 2.185

76665 2.185

76666 2.185

76667 2.185

76670 3.376

76671 3.376

76673 3.376

76676 2.185

76678 2.185

76679 3.376

76680 2.185

76681 2.185

76682 1.811

76685 1.811

76686 2.185

76687 1.811

76689 2.185

76690 3.376

76691 3.376

76692 3.376

76693 2.185

76701 2.185

76704 3.376

76705 2.185


76706 2.185

76707 3.376

76708 2.185

76710 3.376

76711 2.185

76712 3.376

76801 2.185

76802 2.185

76820 1.804

76821 3.376

76823 1.811

76825 1.811

76827 1.811

76828 3.934

76831 1.775

76832 1.804

76834 3.376

76836 1.811

76837 2.185

76841 1.811

76842 1.804

76844 2.185

76845 3.376

76848 2.185

76849 1.811

76852 1.804

76853 1.804

76854 2.185

76856 1.804

76857 1.811

76858 1.811

76859 1.811

76861 3.376

76862 2.185

76864 2.185

76865 3.376

76866 2.185

76869 1.804

76870 2.185


76871 2.185

76872 1.811

76873 2.185

76874 1.804

76875 3.376

76877 1.804

76878 3.376

76882 3.376

76883 1.811

76884 3.376

76885 1.804

76887 1.804

76888 3.376

76890 1.811

76901 2.185

76903 2.185

76904 3.376

76905 2.185

76908 2.185

76909 2.185

76930 2.185

76932 2.185

76933 3.376

76934 3.376

76935 2.185

76936 1.811

76937 3.376

76940 2.185

76941 2.185

76943 1.811

76945 3.376

76950 1.811

76951 3.376

76955 2.185

76957 2.185

76958 3.376

77002 1.668

77003 1.668

77004 1.668



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-82 Ed. 8/22/2018


77005 1.668

77006 1.668

77007 1.668

77008 1.668

77009 1.668

77010 1.668

77011 1.668

77012 1.668

77013 1.668

77014 1.668

77015 1.668

77016 1.775

77017 1.668

77018 1.668

77019 1.775

77020 1.668

77021 1.668

77022 1.668

77023 1.775

77024 1.668

77025 1.668

77026 1.668

77027 1.775

77028 1.668

77029 1.668

77030 1.775

77031 1.668

77032 1.775

77033 1.668

77034 1.668

77035 1.668

77036 1.668

77037 1.775

77038 1.775

77039 1.276

77040 1.775

77041 1.668

77042 1.668

77043 1.668


77044 1.775

77045 1.668

77046 1.775

77047 1.668

77048 1.668

77049 1.668

77050 1.775

77051 1.668

77053 1.668

77054 1.775

77055 1.775

77056 1.668

77057 1.668

77058 1.668

77059 1.775

77060 1.668

77061 1.668

77062 1.668

77063 1.668

77064 1.668

77065 1.668

77066 1.668

77067 1.775

77068 1.775

77069 1.775

77070 1.775

77071 1.668

77072 1.668

77073 1.668

77074 1.775

77075 1.276

77076 1.668

77077 1.668

77078 1.775

77079 1.775

77080 1.668

77081 1.668

77082 1.668

77083 1.775


77084 1.668

77085 1.668

77086 1.668

77087 1.775

77088 1.668

77089 1.668

77090 1.775

77091 1.668

77092 1.668

77093 1.668

77094 1.775

77095 1.668

77096 1.668

77098 1.775

77099 1.668

77301 1.668

77302 1.775

77303 1.775

77304 1.775

77306 1.775

77316 1.775

77318 1.804

77320 1.804

77327 1.775

77328 1.775

77331 1.804

77335 1.804

77336 1.775

77338 1.775

77339 1.668

77340 1.775

77345 1.775

77346 1.668

77351 1.804

77354 1.775

77355 1.804

77356 1.804

77357 1.775

77358 1.804


77359 1.804

77360 1.804

77362 1.775

77363 1.775

77364 1.804

77365 1.775

77371 1.804

77372 1.775

77373 1.775

77374 1.804

77375 1.775

77376 1.804

77377 1.775

77378 1.775

77379 1.804

77380 1.775

77381 1.775

77382 1.775

77384 1.775

77385 1.775

77386 1.804

77388 1.775

77389 1.775

77396 1.668

77399 1.804

77401 1.668

77406 1.775

77407 1.668

77412 1.668

77414 1.276

77417 1.668

77418 1.668

77419 1.668

77420 1.276

77422 1.276

77423 1.775

77426 1.775

77428 1.668

77429 1.775



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-83 Ed. 8/22/2018


77430 1.668

77433 1.668

77434 1.668

77435 1.775

77436 1.775

77437 1.668

77441 1.775

77442 1.668

77444 1.276

77445 1.804

77447 1.775

77448 1.775

77449 1.775

77450 1.775

77451 1.775

77454 1.775

77455 1.668

77456 1.668

77458 1.276

77459 1.775

77461 1.668

77465 1.276

77466 1.804

77468 0.638

77469 1.668

77470 1.775

77471 1.668

77474 1.668

77475 1.775

77477 1.775

77478 1.775

77479 1.668

77480 1.276

77482 1.668

77483 1.276

77484 1.804

77485 1.668

77486 1.276

77488 1.668


77489 1.775

77493 1.668

77494 1.804

77498 1.775

77502 1.668

77503 1.668

77504 1.668

77505 1.668

77506 1.668

77507 1.668

77510 1.276

77511 1.775

77514 1.668

77515 1.276

77517 1.276

77518 1.276

77519 1.775

77520 1.668

77521 1.276

77523 1.668

77530 1.668

77531 1.668

77532 1.668

77533 1.804

77534 1.276

77535 1.775

77536 1.668

77538 1.668

77539 1.276

77541 1.276

77545 1.668

77546 1.668

77547 1.276

77550 1.668

77551 1.668

77554 1.276

77560 1.668

77562 1.276

77563 1.276


77564 1.775

77565 1.276

77566 1.276

77568 1.276

77571 1.668

77573 1.668

77575 1.775

77577 1.276

77578 1.668

77581 1.668

77582 1.775

77583 1.276

77584 1.668

77585 1.804

77586 1.668

77587 1.668

77590 1.276

77591 1.276

77597 1.668

77598 1.668

77611 1.668

77612 1.668

77613 1.668

77614 1.668

77616 1.804

77617 1.276

77619 1.668

77622 1.668

77623 1.276

77624 1.775

77625 1.775

77627 1.668

77629 1.668

77630 1.668

77632 1.668

77640 1.668

77642 1.276

77650 1.276

77651 1.668


77655 1.668

77656 1.775

77657 1.775

77659 1.668

77660 1.775

77662 1.775

77663 1.775

77664 1.775

77665 1.668

77701 1.668

77702 1.775

77703 1.775

77705 1.668

77706 1.775

77707 1.668

77708 1.668

77713 1.668

77801 1.804

77802 1.804

77803 1.811

77807 1.804

77808 1.811

77830 1.775

77831 1.804

77833 1.775

77835 1.804

77836 1.804

77837 1.811

77840 1.811

77845 1.804

77853 1.804

77856 1.811

77857 1.811

77859 2.185

77861 1.804

77864 1.804

77865 1.811

77868 1.804

77871 1.811



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-84 Ed. 8/22/2018


77872 1.804

77873 1.775

77879 1.804

77880 1.804

77901 1.668

77904 1.668

77905 1.668

77950 0.638

77951 1.276

77954 1.668

77957 1.775

77961 1.668

77962 1.276

77963 1.276

77964 1.775

77968 1.276

77970 1.668

77971 1.668

77974 1.668

77975 1.804

77979 1.668

77982 0.638

77983 1.276

77984 1.775

77988 1.668

77990 0.638

77991 1.775

77994 1.668

77995 1.775

78002 1.668

78003 1.775

78004 1.775

78005 1.668

78006 1.668

78007 0.638

78008 1.276

78009 1.668

78010 1.668

78011 1.276


78012 1.276

78013 1.775

78014 0.638

78015 1.775

78016 1.668

78017 0.638

78019 0.560

78021 0.638

78022 0.560

78023 1.668

78024 1.775

78025 1.775

78026 1.276

78027 1.775

78028 1.775

78039 1.668

78040 0.560

78041 0.560

78043 0.560

78045 0.560

78046 0.560

78050 1.668

78052 1.668

78055 1.668

78056 1.668

78057 1.276

78058 1.775

78059 1.668

78061 1.276

78063 1.668

78064 1.668

78065 1.668

78066 1.668

78067 0.560

78069 1.668

78070 1.775

78071 0.638

78072 1.276

78073 1.668


78075 1.276

78076 0.456

78101 1.668

78102 0.638

78108 1.775

78109 1.668

78111 1.668

78112 1.668

78113 1.276

78114 1.775

78116 1.668

78117 1.668

78118 1.276

78119 1.276

78121 1.668

78122 1.775

78123 1.775

78124 1.775

78130 1.775

78132 1.775

78133 1.775

78140 1.775

78141 1.276

78142 0.638

78145 0.638

78146 0.638

78147 1.668

78148 1.668

78150 1.668

78151 1.276

78152 1.775

78154 1.775

78155 1.775

78159 1.668

78160 1.775

78161 1.775

78162 0.638

78163 1.775

78164 1.668


78201 1.775

78202 1.668

78203 1.668

78204 1.775

78205 1.668

78206 1.775

78207 1.668

78208 1.668

78209 1.775

78210 1.668

78211 1.668

78212 1.668

78213 1.668

78214 1.668

78215 1.668

78216 1.775

78217 1.775

78218 1.775

78219 1.668

78220 1.668

78221 1.276

78222 1.668

78223 1.775

78224 1.668

78225 1.668

78226 1.668

78227 1.668

78228 1.668

78229 1.668

78230 1.775

78231 1.668

78232 1.775

78233 1.668

78234 1.775

78235 1.775

78236 1.668

78237 1.668

78238 1.668

78239 1.775



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-85 Ed. 8/22/2018


78240 1.775

78242 1.668

78244 1.668

78245 1.775

78247 1.668

78248 1.775

78249 1.668

78250 1.668

78251 1.668

78252 1.668

78253 1.775

78254 1.668

78255 1.668

78256 1.668

78257 1.668

78258 1.668

78259 1.668

78260 1.668

78261 1.668

78263 1.276

78264 1.668

78266 1.668

78330 0.560

78332 0.560

78336 0.560

78338 0.456

78339 0.560

78340 1.276

78341 0.456

78343 0.560

78344 0.456

78347 0.638

78349 0.456

78350 0.560

78351 0.560

78352 1.276

78353 0.560

78355 0.560

78357 0.560


78358 1.276

78359 0.638

78360 0.560

78361 0.560

78362 0.560

78363 0.560

78368 0.638

78369 0.560

78370 0.560

78372 0.560

78373 0.560

78374 0.638

78375 0.560

78376 0.456

78377 1.668

78379 0.560

78380 0.560

78382 1.276

78383 0.638

78384 0.560

78385 0.560

78387 1.276

78389 1.276

78390 0.638

78391 0.560

78393 1.276

78401 0.560

78402 0.560

78404 0.560

78405 0.560

78406 0.560

78407 0.560

78408 0.560

78409 0.560

78410 0.638

78411 0.560

78412 0.560

78413 0.560

78414 0.560


78415 0.560

78416 0.638

78417 0.560

78418 0.560

78419 1.276

78501 0.792

78503 0.792

78504 0.792

78516 0.792

78520 0.456

78521 0.339

78526 0.456

78535 0.339

78536 0.560

78537 0.792

78538 0.433

78539 0.563

78541 0.792

78542 0.792

78543 0.433

78548 0.456

78549 0.433

78550 0.456

78552 0.339

78557 0.792

78558 0.792

78559 0.456

78560 0.792

78562 0.433

78563 0.792

78564 0.456

78565 0.792

78566 0.456

78567 0.339

78569 0.456

78570 0.433

78572 0.792

78573 0.792

78574 0.792


78575 0.339

78576 0.792

78577 0.792

78578 0.339

78580 0.456

78582 0.456

78583 0.339

78584 0.456

78586 0.339

78588 0.456

78589 0.792

78591 0.456

78592 0.456

78593 0.456

78595 0.792

78596 0.792

78597 0.456

78598 0.560

78599 0.792

78602 1.804

78605 1.804

78606 1.804

78607 1.804

78608 1.811

78609 1.804

78610 1.804

78611 1.804

78612 1.804

78613 1.811

78614 1.775

78615 1.804

78616 1.804

78617 1.804

78618 1.775

78619 1.804

78620 1.804

78621 1.804

78623 1.775

78624 1.804



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-86 Ed. 8/22/2018


78626 1.811

78628 1.804

78629 1.775

78631 1.804

78632 1.775

78633 1.811

78634 1.804

78635 1.804

78636 1.804

78638 1.804

78639 1.804

78640 1.804

78641 1.811

78642 1.804

78643 1.775

78644 1.775

78645 1.804

78648 1.804

78650 1.811

78652 1.811

78653 1.804

78654 1.804

78655 1.775

78656 1.775

78657 1.811

78659 1.804

78660 1.811

78661 1.804

78662 1.775

78663 1.804

78664 1.804

78665 1.775

78666 1.775

78669 1.775

78670 1.811

78671 1.775

78672 1.804

78675 1.775

78676 1.804


78677 1.668

78681 1.804

78701 1.804

78702 1.804

78703 1.804

78704 1.804

78705 1.804

78712 1.804

78717 1.811

78719 1.804

78721 1.804

78722 1.804

78723 1.804

78724 1.804

78725 1.804

78726 1.804

78727 1.804

78728 1.804

78729 1.811

78730 1.811

78731 1.811

78732 1.804

78733 1.804

78734 1.804

78735 1.804

78736 1.775

78737 1.804

78738 1.804

78739 1.804

78741 1.804

78742 1.804

78744 1.804

78745 1.804

78746 1.804

78747 1.804

78748 1.804

78749 1.804

78750 1.804

78751 1.804


78752 1.775

78753 1.804

78754 1.804

78756 1.804

78757 1.804

78758 1.804

78759 1.811

78801 1.775

78827 1.276

78828 1.775

78829 1.668

78830 1.668

78832 1.775

78833 1.804

78834 1.668

78836 1.276

78837 1.804

78838 1.775

78839 1.276

78840 1.668

78843 1.668

78850 1.668

78851 1.775

78852 1.276

78861 1.668

78870 1.775

78871 1.775

78872 1.668

78873 1.775

78877 1.276

78879 1.804

78880 1.775

78881 1.775

78883 1.668

78884 1.804

78885 1.668

78886 1.668

78931 1.775

78932 1.804


78933 1.668

78934 1.775

78935 1.775

78938 1.804

78940 1.804

78941 1.775

78942 1.804

78943 1.804

78944 1.775

78945 1.775

78946 1.804

78947 1.804

78948 1.804

78949 1.775

78950 1.775

78951 1.775

78953 1.775

78954 1.804

78956 1.775

78957 1.811

78959 1.775

78962 1.775

78963 1.804

79001 3.934

79002 3.948

79003 3.895

79005 3.948

79007 3.895

79009 3.376

79010 3.934

79011 3.895

79012 3.895

79013 3.934

79014 3.948

79015 3.895

79018 3.934

79019 3.948

79021 3.934

79022 3.934



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-87 Ed. 8/22/2018


79024 3.948

79027 3.934

79029 3.895

79031 3.934

79032 3.895

79033 3.948

79034 3.948

79035 3.934

79036 3.895

79039 3.895

79040 3.895

79041 3.934

79042 3.895

79043 3.934

79044 3.934

79045 3.934

79046 3.948

79051 3.934

79052 3.895

79054 3.948

79056 3.948

79057 3.948

79058 3.895

79059 3.895

79061 3.895

79062 3.895

79063 3.895

79064 3.934

79065 3.948

79068 3.895

79070 3.948

79072 3.895

79078 3.895

79079 3.895

79080 3.948

79081 3.895

79082 3.934

79083 3.948

79084 3.934


79085 3.934

79086 3.895

79087 3.376

79088 3.895

79092 3.934

79093 3.948

79094 3.895

79095 3.948

79096 3.948

79097 3.895

79098 3.895

79101 3.895

79102 3.895

79103 3.895

79104 3.895

79106 3.895

79107 3.895

79108 3.895

79109 3.895

79110 3.895

79111 3.948

79118 3.895

79119 3.895

79121 3.895

79124 3.895

79201 3.895

79220 3.895

79221 3.895

79223 3.895

79225 3.948

79226 3.895

79227 3.895

79229 3.895

79230 3.948

79233 3.895

79234 3.895

79235 3.895

79237 3.948

79239 3.948


79240 3.895

79241 3.895

79243 3.895

79244 3.895

79245 3.895

79247 3.895

79248 3.895

79250 3.934

79251 3.895

79252 3.948

79255 3.948

79256 3.895

79257 3.895

79258 3.895

79259 3.895

79261 3.948

79311 3.934

79312 3.934

79313 3.895

79314 2.185

79316 3.934

79322 3.895

79323 2.185

79324 3.376

79325 3.376

79326 3.895

79329 3.934

79330 3.934

79331 3.934

79336 3.934

79339 3.895

79342 3.376

79343 3.934

79344 3.376

79345 3.934

79346 3.376

79347 3.376

79350 3.895

79351 3.934


79353 3.376

79355 2.185

79356 3.934

79357 3.895

79358 3.934

79359 2.185

79360 2.185

79363 3.934

79364 3.895

79366 3.895

79367 3.895

79370 3.895

79371 3.376

79372 3.934

79373 3.934

79376 3.376

79377 3.376

79379 3.376

79381 3.895

79382 3.934

79401 3.934

79403 3.934

79404 3.934

79407 3.934

79409 3.934

79410 3.934

79411 3.934

79412 3.934

79413 3.934

79414 3.934

79415 3.934

79416 3.934

79423 3.934

79424 3.934

79501 3.934

79502 3.895

79503 3.895

79504 3.934

79505 3.895



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-88 Ed. 8/22/2018


79506 3.934

79508 3.934

79510 3.934

79511 3.376

79512 3.934

79517 3.934

79518 3.895

79519 3.376

79520 3.895

79521 3.934

79525 3.934

79526 3.895

79527 3.934

79528 3.895

79529 3.895

79530 3.934

79532 3.376

79533 3.934

79534 3.934

79535 3.934

79536 3.934

79537 3.934

79538 3.376

79539 3.895

79540 3.895

79541 3.934

79543 3.934

79544 3.934

79545 3.934

79546 3.895

79547 3.895

79548 3.895

79549 3.934

79553 3.895

79556 3.934

79560 3.934

79561 3.934

79562 3.934

79563 3.934


79565 3.934

79566 3.376

79567 3.376

79601 3.934

79602 3.934

79603 3.934

79605 3.934

79606 3.934

79607 3.934

79701 2.185

79703 2.185

79705 2.185

79706 2.185

79707 3.376

79713 3.934

79714 2.185

79718 1.668

79719 1.804

79720 3.934

79730 1.804

79731 1.811

79733 3.934

79734 1.668

79735 1.775

79738 3.934

79739 3.376

79740 3.934

79741 1.811

79742 1.804

79743 1.811

79744 1.804

79745 1.804

79748 3.376

79749 3.376

79752 1.811

79754 1.804

79755 2.185

79756 1.811

79758 2.185


79759 2.185

79761 3.376

79762 3.376

79763 2.185

79764 2.185

79765 2.185

79766 2.185

79772 1.775

79777 1.804

79778 2.185

79782 3.376

79783 3.376

79785 1.775

79788 1.811

79789 1.811

79821 0.560

79830 1.276

79834 0.560

79835 0.560

79836 0.560

79837 1.276

79838 0.560

79839 0.560

79842 1.668

79843 0.638

79845 0.560

79847 1.775

79848 1.775

79849 0.560

79851 1.276

79852 0.456

79853 0.560

79854 1.276

79855 0.560

79901 0.560

79902 0.638

79903 0.560

79904 0.560

79905 0.560


79906 0.560

79907 0.560

79908 0.638

79911 0.560

79912 0.560

79915 0.560

79918 0.638

79922 0.560

79924 0.638

79925 0.560

79927 0.560

79928 0.560

79930 0.560

79932 0.560

79934 0.560

79935 0.560

79936 0.560

79938 0.560

79326 3.895

77457 1.276

75132 3.934

75978 1.203

76113 2.154

76121 2.154

77279 1.293

77315 1.293

77367 1.014

77415 0.811

77440 0.811

77443 1.293

77453 1.293

77464 1.293

77476 1.500

77561 1.500

77574 1.293

77580 1.293

77588 1.293

77615 1.293

77661 1.293



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-89 Ed. 8/22/2018


77977 1.293

78547 0.282


78561 0.282

78568 0.217


78579 0.714

78590 0.282


78594 0.282



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-90 Ed. 8/22/2018

HO 06 Tornado/Hail ZIP Code Relativities


75001 2.928

75002 2.928

75006 2.928

75007 2.928

75009 2.928

75010 2.547

75013 2.547

75019 2.928

75020 2.928

75021 2.547

75022 2.928

75023 2.928

75024 2.928

75025 2.928

75028 2.928

75032 2.928

75033 2.547

75034 2.547

75035 2.928

75038 2.547

75039 2.928

75040 2.928

75041 2.547

75042 2.547

75043 2.547

75044 2.547

75048 2.928

75050 2.547

75051 2.547

75052 2.547

75054 2.547

75056 2.928

75057 2.928

75058 2.547

75060 2.547

75061 2.547

75062 2.928

75063 2.928

75065 2.547

75067 2.547

75068 2.928

75069 2.547

75070 2.547

75071 2.928

75074 2.928

75075 2.928

75076 2.928

75077 2.928

75078 2.928

75080 2.547

75081 2.547

75082 2.928


75087 2.547

75088 2.928

75089 2.547

75090 2.928

75092 2.547

75093 2.928

75094 2.547

75098 2.547

75102 2.547

75103 2.547

75104 2.547

75105 2.547

75109 2.547

75110 2.182

75114 2.547

75115 2.547

75116 2.928

75117 2.182

75119 2.547

75124 2.547

75125 2.547

75126 2.547

75127 2.547

75134 2.547

75135 2.547

75137 2.928

75140 2.547

75141 2.547

75142 2.547

75143 2.547

75144 2.547

75146 2.547

75147 2.547

75148 2.547

75149 2.547

75150 2.928

75152 2.547

75153 2.182

75154 2.547

75155 2.547

75156 2.547

75157 2.547

75158 2.182

75159 2.547

75160 2.547

75161 2.547

75163 2.182

75165 2.547

75166 2.928

75167 2.547

75169 2.547

75172 2.547


75173 2.547

75180 2.547

75181 2.547

75182 2.547

75189 2.928

75201 2.547

75202 2.547

75203 2.547

75204 2.928

75205 2.547

75206 2.547

75207 2.547

75208 2.928

75209 2.547

75210 2.547

75211 2.928

75212 2.547

75214 2.547

75215 2.928

75216 2.928

75217 2.547

75218 2.547

75219 2.547

75220 2.547

75223 2.547

75224 2.928

75225 2.547

75226 2.928

75227 2.547

75228 2.547

75229 2.547

75230 2.547

75231 2.547

75232 2.928

75233 2.547

75234 2.547

75235 2.547

75236 2.547

75237 2.547

75238 2.547

75240 2.547

75241 2.547

75243 2.547

75244 2.928

75246 2.928

75247 2.547

75248 2.547

75249 2.547

75251 2.547

75252 2.547

75253 2.547

75254 2.547


75261 2.547

75287 2.928

75401 2.547

75402 2.547

75407 2.547

75409 2.547

75410 2.547

75411 2.547

75412 2.182

75413 2.547

75414 2.547

75415 2.928

75416 2.547

75417 2.547

75418 2.547

75420 2.547

75421 2.547

75422 2.547

75423 2.547

75424 2.547

75426 2.547

75428 2.547

75431 2.547

75432 2.547

75433 2.547

75435 2.547

75436 2.547

75437 2.547

75438 2.547

75439 2.547

75440 2.547

75442 2.547

75446 2.547

75447 2.928

75448 2.547

75449 2.547

75450 2.928

75451 2.547

75452 2.547

75453 2.547

75454 2.928

75455 2.547

75457 2.547

75459 2.928

75460 2.928

75462 2.547

75468 2.547

75469 2.547

75470 2.547

75471 2.547

75472 2.928

75473 2.547



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-91 Ed. 8/22/2018


75474 2.928

75475 2.547

75476 2.547

75477 2.547

75478 2.547

75479 2.547

75480 2.547

75481 2.928

75482 2.547

75486 2.547

75487 2.547

75488 2.547

75489 4.161

75490 2.547

75491 2.547

75492 2.547

75493 2.547

75494 2.547

75495 2.547

75496 2.547

75497 2.547

75501 2.547

75503 2.182

75550 2.547

75551 2.182

75554 2.547

75555 2.182

75556 2.547

75558 2.547

75559 2.547

75560 2.547

75561 2.182

75563 2.547

75564 2.182

75566 2.547

75567 2.182

75568 2.547

75569 2.547

75570 2.547

75571 2.547

75572 2.547

75574 2.547

75601 2.547

75602 2.547

75603 2.547

75604 2.182

75605 2.182

75630 2.182

75631 2.182

75633 2.182

75638 2.547

75639 2.182

75640 2.182

75641 2.928


75643 2.182

75644 2.547

75645 2.547

75647 2.182

75650 2.182

75651 2.547

75652 2.182

75654 2.182

75656 2.547

75657 2.182

75661 2.182

75662 2.547

75667 2.182

75668 2.547

75669 2.182

75670 2.182

75672 2.182

75681 1.597

75683 2.547

75684 2.547

75685 2.182

75686 2.547

75691 2.547

75692 2.547

75693 2.182

75701 2.547

75702 2.547

75703 2.182

75704 2.547

75705 2.547

75706 2.182

75707 2.547

75708 2.547

75709 2.547

75750 2.182

75751 2.547

75752 2.547

75754 2.182

75755 2.547

75756 2.547

75757 2.547

75758 2.182

75759 2.182

75760 2.182

75762 2.182

75763 2.547

75764 2.182

75765 2.547

75766 2.182

75770 2.182

75771 2.547

75773 2.182

75778 2.547

75780 2.182


75783 2.547

75784 2.182

75785 2.182

75788 2.182

75789 2.547

75790 2.547

75791 2.547

75792 2.547

75801 2.547

75803 2.182

75831 1.597

75833 1.597

75835 1.597

75838 1.597

75839 2.182

75840 2.182

75844 1.597

75845 1.368

75846 1.597

75847 1.597

75849 1.597

75850 1.597

75851 1.597

75852 1.368

75853 2.182

75855 2.182

75856 1.597

75858 1.597

75859 2.547

75860 2.182

75861 2.182

75862 1.368

75901 2.182

75904 2.182

75925 2.182

75926 1.597

75928 1.093

75929 1.597

75930 1.597

75931 1.368

75932 1.368

75933 1.093

75934 1.597

75935 1.597

75936 1.368

75937 1.597

75938 1.368

75939 1.597

75941 1.597

75942 1.368

75943 1.597

75944 1.597

75946 1.597

75948 1.368


75949 1.597

75951 1.093

75954 2.182

75956 1.093

75959 1.597

75960 1.368

75961 1.597

75964 1.597

75965 1.597

75966 1.093

75968 1.368

75969 2.182

75972 1.597

75973 2.182

75974 2.182

75975 2.182

75976 2.182

75977 1.368

75979 1.368

75980 1.368

76001 2.928

76002 2.928

76005 2.547

76006 2.547

76008 2.928

76009 2.547

76010 2.928

76011 2.547

76012 2.547

76013 2.928

76014 2.928

76015 2.928

76016 2.928

76017 2.928

76018 2.928

76020 2.928

76021 2.928

76022 2.928

76023 2.547

76028 2.928

76031 2.547

76033 2.547

76034 2.928

76035 2.547

76036 2.928

76039 2.928

76040 2.928

76041 2.547

76043 2.547

76044 2.547

76048 2.547

76049 2.547

76050 2.928

76051 2.547



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-92 Ed. 8/22/2018


76052 2.928

76053 2.928

76054 2.547

76055 2.547

76058 2.547

76059 2.547

76060 2.928

76061 2.547

76063 2.928

76064 2.547

76065 2.547

76066 2.928

76067 2.547

76070 2.547

76071 2.928

76073 2.547

76077 2.547

76078 2.547

76082 2.547

76084 2.547

76085 2.547

76086 2.928

76087 2.928

76088 2.547

76092 2.547

76093 2.182

76102 2.547

76103 2.928

76104 2.928

76105 2.928

76106 2.928

76107 2.547

76108 2.928

76109 2.547

76110 2.547

76111 2.547

76112 2.547

76114 2.547

76115 2.547

76116 2.928

76117 2.928

76118 2.928

76119 2.928

76120 2.928

76123 2.928

76126 2.928

76127 2.547

76131 2.928

76132 2.547

76133 2.928

76134 2.928

76135 2.547

76137 2.547

76140 2.928


76148 2.547

76155 2.547

76164 2.547

76177 2.928

76179 2.928

76180 2.547

76182 2.928

76201 2.928

76203 2.928

76205 2.928

76207 2.928

76208 2.928

76209 2.547

76210 2.928

76225 2.547

76226 2.928

76227 2.928

76228 4.814

76230 4.161

76233 2.928

76234 2.928

76238 2.928

76239 4.161

76240 2.928

76244 2.928

76245 2.547

76247 2.547

76248 2.547

76249 2.928

76250 2.547

76251 4.161

76252 2.928

76253 2.547

76255 4.161

76258 2.547

76259 2.928

76261 4.161

76262 2.928

76263 2.547

76264 2.547

76265 4.161

76266 2.928

76270 4.161

76271 2.547

76272 2.547

76273 2.928

76301 4.814

76302 4.161

76305 4.161

76306 4.161

76308 4.814

76309 4.814

76310 4.814

76311 4.814


76351 4.161

76354 4.161

76357 4.161

76360 4.161

76363 4.161

76364 4.161

76365 4.161

76366 4.161

76367 4.161

76370 4.161

76371 4.161

76372 4.161

76373 4.161

76374 4.161

76377 4.161

76379 4.161

76380 4.161

76384 4.161

76388 4.161

76389 4.161

76401 2.182

76424 2.547

76426 2.547

76427 2.928

76429 2.547

76430 2.928

76431 2.928

76432 1.597

76433 2.182

76435 2.547

76436 2.182

76437 2.547

76442 2.182

76443 2.928

76444 2.182

76445 2.547

76446 2.182

76448 2.182

76449 2.547

76450 4.161

76452 2.182

76453 2.547

76454 2.182

76455 2.182

76457 2.182

76458 2.928

76459 2.547

76460 4.161

76462 2.547

76463 2.547

76464 2.928

76469 2.928

76470 2.547

76471 2.182


76472 2.928

76474 2.182

76475 2.547

76476 2.547

76481 4.161

76483 4.161

76484 2.547

76486 2.928

76487 2.547

76490 2.928

76491 2.928

76501 2.182

76502 1.597

76504 1.597

76511 1.597

76513 1.597

76518 1.368

76519 1.597

76520 1.597

76522 1.597

76523 1.368

76524 2.182

76525 1.597

76527 1.368

76528 2.182

76530 1.368

76531 2.182

76534 1.597

76537 1.597

76538 2.182

76539 1.597

76541 1.597

76542 1.597

76543 1.597

76544 1.597

76548 2.182

76549 1.597

76550 1.368

76554 1.597

76556 1.597

76557 2.182

76559 1.597

76561 2.182

76565 2.182

76566 1.597

76567 1.368

76569 1.597

76570 1.597

76571 1.597

76574 1.368

76577 1.368

76578 1.597

76579 2.182

76621 2.182



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-93 Ed. 8/22/2018


76622 2.547

76624 2.182

76626 2.547

76627 2.547

76629 2.182

76630 2.182

76631 2.182

76632 1.597

76633 2.547

76634 2.182

76635 2.182

76636 2.547

76637 1.597

76638 2.182

76639 2.182

76640 2.182

76641 2.547

76642 2.182

76643 2.182

76645 2.182

76648 2.547

76649 2.182

76651 2.547

76652 2.547

76653 2.182

76655 2.182

76656 1.597

76657 1.597

76660 2.547

76661 2.182

76664 2.182

76665 2.182

76666 2.182

76667 2.182

76670 2.547

76671 2.547

76673 2.547

76676 2.182

76678 2.182

76679 2.547

76680 2.182

76681 2.182

76682 1.597

76685 1.597

76686 2.182

76687 1.597

76689 2.182

76690 2.547

76691 2.547

76692 2.547

76693 2.182

76701 2.182

76704 2.547

76705 2.182


76706 2.182

76707 2.547

76708 2.182

76710 2.547

76711 2.182

76712 2.547

76801 2.182

76802 2.182

76820 1.368

76821 2.547

76823 1.597

76825 1.597

76827 1.597

76828 2.928

76831 1.093

76832 1.368

76834 2.547

76836 1.597

76837 2.182

76841 1.597

76842 1.368

76844 2.182

76845 2.547

76848 2.182

76849 1.597

76852 1.368

76853 1.368

76854 2.182

76856 1.368

76857 1.597

76858 1.597

76859 1.597

76861 2.547

76862 2.182

76864 2.182

76865 2.547

76866 2.182

76869 1.368

76870 2.182

76871 2.182

76872 1.597

76873 2.182

76874 1.368

76875 2.547

76877 1.368

76878 2.547

76882 2.547

76883 1.597

76884 2.547

76885 1.368

76887 1.368

76888 2.547

76890 1.597

76901 2.182


76903 2.182

76904 2.547

76905 2.182

76908 2.182

76909 2.182

76930 2.182

76932 2.182

76933 2.547

76934 2.547

76935 2.182

76936 1.597

76937 2.547

76940 2.182

76941 2.182

76943 1.597

76945 2.547

76950 1.597

76951 2.547

76955 2.182

76957 2.182

76958 2.547

77002 1.000

77003 1.000

77004 1.000

77005 1.000

77006 1.000

77007 1.000

77008 1.000

77009 1.000

77010 1.000

77011 1.000

77012 1.000

77013 1.000

77014 1.000

77015 1.000

77016 1.093

77017 1.000

77018 1.000

77019 1.093

77020 1.000

77021 1.000

77022 1.000

77023 1.093

77024 1.000

77025 1.000

77026 1.000

77027 1.093

77028 1.000

77029 1.000

77030 1.093

77031 1.000

77032 1.093

77033 1.000

77034 1.000


77035 1.000

77036 1.000

77037 1.093

77038 1.093

77039 0.838

77040 1.093

77041 1.000

77042 1.000

77043 1.000

77044 1.093

77045 1.000

77046 1.093

77047 1.000

77048 1.000

77049 1.000

77050 1.093

77051 1.000

77053 1.000

77054 1.093

77055 1.093

77056 1.000

77057 1.000

77058 1.000

77059 1.093

77060 1.000

77061 1.000

77062 1.000

77063 1.000

77064 1.000

77065 1.000

77066 1.000

77067 1.093

77068 1.093

77069 1.093

77070 1.093

77071 1.000

77072 1.000

77073 1.000

77074 1.093

77075 0.838

77076 1.000

77077 1.000

77078 1.093

77079 1.093

77080 1.000

77081 1.000

77082 1.000

77083 1.093

77084 1.000

77085 1.000

77086 1.000

77087 1.093

77088 1.000

77089 1.000



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-94 Ed. 8/22/2018


77090 1.093

77091 1.000

77092 1.000

77093 1.000

77094 1.093

77095 1.000

77096 1.000

77098 1.093

77099 1.000

77301 1.000

77302 1.093

77303 1.093

77304 1.093

77306 1.093

77316 1.093

77318 1.368

77320 1.368

77327 1.093

77328 1.093

77331 1.368

77335 1.368

77336 1.093

77338 1.093

77339 1.000

77340 1.093

77345 1.093

77346 1.000

77351 1.368

77354 1.093

77355 1.368

77356 1.368

77357 1.093

77358 1.368

77359 1.368

77360 1.368

77362 1.093

77363 1.093

77364 1.368

77365 1.093

77371 1.368

77372 1.093

77373 1.093

77374 1.368

77375 1.093

77376 1.368

77377 1.093

77378 1.093

77379 1.368

77380 1.093

77381 1.093

77382 1.093

77384 1.093

77385 1.093

77386 1.368


77388 1.093

77389 1.093

77396 1.000

77399 1.368

77401 1.000

77406 1.093

77407 1.000

77412 1.000

77414 0.838

77417 1.000

77418 1.000

77419 1.000

77420 0.838

77422 0.838

77423 1.093

77426 1.093

77428 1.000

77429 1.093

77430 1.000

77433 1.000

77434 1.000

77435 1.093

77436 1.093

77437 1.000

77441 1.093

77442 1.000

77444 0.838

77445 1.368

77447 1.093

77448 1.093

77449 1.093

77450 1.093

77451 1.093

77454 1.093

77455 1.000

77456 1.000

77458 0.838

77459 1.093

77461 1.000

77465 0.838

77466 1.368

77468 0.574

77469 1.000

77470 1.093

77471 1.000

77474 1.000

77475 1.093

77477 1.093

77478 1.093

77479 1.000

77480 0.838

77482 1.000

77483 0.838

77484 1.368


77485 1.000

77486 0.838

77488 1.000

77489 1.093

77493 1.000

77494 1.368

77498 1.093

77502 1.000

77503 1.000

77504 1.000

77505 1.000

77506 1.000

77507 1.000

77510 0.838

77511 1.093

77514 1.000

77515 0.838

77517 0.838

77518 0.838

77519 1.093

77520 1.000

77521 0.838

77523 1.000

77530 1.000

77531 1.000

77532 1.000

77533 1.368

77534 0.838

77535 1.093

77536 1.000

77538 1.000

77539 0.838

77541 0.838

77545 1.000

77546 1.000

77547 0.838

77550 1.000

77551 1.000

77554 0.838

77560 1.000

77562 0.838

77563 0.838

77564 1.093

77565 0.838

77566 0.838

77568 0.838

77571 1.000

77573 1.000

77575 1.093

77577 0.838

77578 1.000

77581 1.000

77582 1.093

77583 0.838


77584 1.000

77585 1.368

77586 1.000

77587 1.000

77590 0.838

77591 0.838

77597 1.000

77598 1.000

77611 1.000

77612 1.000

77613 1.000

77614 1.000

77616 1.368

77617 0.838

77619 1.000

77622 1.000

77623 0.838

77624 1.093

77625 1.093

77627 1.000

77629 1.000

77630 1.000

77632 1.000

77640 1.000

77642 0.838

77650 0.838

77651 1.000

77655 1.000

77656 1.093

77657 1.093

77659 1.000

77660 1.093

77662 1.093

77663 1.093

77664 1.093

77665 1.000

77701 1.000

77702 1.093

77703 1.093

77705 1.000

77706 1.093

77707 1.000

77708 1.000

77713 1.000

77801 1.368

77802 1.368

77803 1.597

77807 1.368

77808 1.597

77830 1.093

77831 1.368

77833 1.093

77835 1.368

77836 1.368



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-95 Ed. 8/22/2018


77837 1.597

77840 1.597

77845 1.368

77853 1.368

77856 1.597

77857 1.597

77859 2.182

77861 1.368

77864 1.368

77865 1.597

77868 1.368

77871 1.597

77872 1.368

77873 1.093

77879 1.368

77880 1.368

77901 1.000

77904 1.000

77905 1.000

77950 0.574

77951 0.838

77954 1.000

77957 1.093

77961 1.000

77962 0.838

77963 0.838

77964 1.093

77968 0.838

77970 1.000

77971 1.000

77974 1.000

77975 1.368

77979 1.000

77982 0.574

77983 0.838

77984 1.093

77988 1.000

77990 0.574

77991 1.093

77994 1.000

77995 1.093

78002 1.000

78003 1.093

78004 1.093

78005 1.000

78006 1.000

78007 0.574

78008 0.838

78009 1.000

78010 1.000

78011 0.838

78012 0.838

78013 1.093

78014 0.574


78015 1.093

78016 1.000

78017 0.574

78019 0.544

78021 0.574

78022 0.544

78023 1.000

78024 1.093

78025 1.093

78026 0.838

78027 1.093

78028 1.093

78039 1.000

78040 0.544

78041 0.544

78043 0.544

78045 0.544

78046 0.544

78050 1.000

78052 1.000

78055 1.000

78056 1.000

78057 0.838

78058 1.093

78059 1.000

78061 0.838

78063 1.000

78064 1.000

78065 1.000

78066 1.000

78067 0.544

78069 1.000

78070 1.093

78071 0.574

78072 0.838

78073 1.000

78075 0.838

78076 0.386

78101 1.000

78102 0.574

78108 1.093

78109 1.000

78111 1.000

78112 1.000

78113 0.838

78114 1.093

78116 1.000

78117 1.000

78118 0.838

78119 0.838

78121 1.000

78122 1.093

78123 1.093

78124 1.093


78130 1.093

78132 1.093

78133 1.093

78140 1.093

78141 0.838

78142 0.574

78145 0.574

78146 0.574

78147 1.000

78148 1.000

78150 1.000

78151 0.838

78152 1.093

78154 1.093

78155 1.093

78159 1.000

78160 1.093

78161 1.093

78162 0.574

78163 1.093

78164 1.000

78201 1.093

78202 1.000

78203 1.000

78204 1.093

78205 1.000

78206 1.093

78207 1.000

78208 1.000

78209 1.093

78210 1.000

78211 1.000

78212 1.000

78213 1.000

78214 1.000

78215 1.000

78216 1.093

78217 1.093

78218 1.093

78219 1.000

78220 1.000

78221 0.838

78222 1.000

78223 1.093

78224 1.000

78225 1.000

78226 1.000

78227 1.000

78228 1.000

78229 1.000

78230 1.093

78231 1.000

78232 1.093

78233 1.000


78234 1.093

78235 1.093

78236 1.000

78237 1.000

78238 1.000

78239 1.093

78240 1.093

78242 1.000

78244 1.000

78245 1.093

78247 1.000

78248 1.093

78249 1.000

78250 1.000

78251 1.000

78252 1.000

78253 1.093

78254 1.000

78255 1.000

78256 1.000

78257 1.000

78258 1.000

78259 1.000

78260 1.000

78261 1.000

78263 0.838

78264 1.000

78266 1.000

78330 0.544

78332 0.544

78336 0.544

78338 0.386

78339 0.544

78340 0.838

78341 0.386

78343 0.544

78344 0.386

78347 0.574

78349 0.386

78350 0.544

78351 0.544

78352 0.838

78353 0.544

78355 0.544

78357 0.544

78358 0.838

78359 0.574

78360 0.544

78361 0.544

78362 0.544

78363 0.544

78368 0.574

78369 0.544

78370 0.544



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-96 Ed. 8/22/2018


78372 0.544

78373 0.544

78374 0.574

78375 0.544

78376 0.386

78377 1.000

78379 0.544

78380 0.544

78382 0.838

78383 0.574

78384 0.544

78385 0.544

78387 0.838

78389 0.838

78390 0.574

78391 0.544

78393 0.838

78401 0.544

78402 0.544

78404 0.544

78405 0.544

78406 0.544

78407 0.544

78408 0.544

78409 0.544

78410 0.574

78411 0.544

78412 0.544

78413 0.544

78414 0.544

78415 0.544

78416 0.574

78417 0.544

78418 0.544

78419 0.838

78501 0.432

78503 0.432

78504 0.432

78516 0.432

78520 0.386

78521 0.253

78526 0.386

78535 0.253

78536 0.544

78537 0.432

78538 0.288

78539 0.401

78541 0.432

78542 0.432

78543 0.288

78548 0.386

78549 0.288

78550 0.386

78552 0.253


78557 0.432

78558 0.432

78559 0.386

78560 0.432

78562 0.288

78563 0.432

78564 0.386

78565 0.432

78566 0.386

78567 0.253

78569 0.386

78570 0.288

78572 0.432

78573 0.432

78574 0.432

78575 0.253

78576 0.432

78577 0.432

78578 0.253

78580 0.386

78582 0.386

78583 0.253

78584 0.386

78586 0.253

78588 0.386

78589 0.432

78591 0.386

78592 0.386

78593 0.386

78595 0.432

78596 0.432

78597 0.386

78598 0.544

78599 0.432

78602 1.368

78605 1.368

78606 1.368

78607 1.368

78608 1.597

78609 1.368

78610 1.368

78611 1.368

78612 1.368

78613 1.597

78614 1.093

78615 1.368

78616 1.368

78617 1.368

78618 1.093

78619 1.368

78620 1.368

78621 1.368

78623 1.093

78624 1.368


78626 1.597

78628 1.368

78629 1.093

78631 1.368

78632 1.093

78633 1.597

78634 1.368

78635 1.368

78636 1.368

78638 1.368

78639 1.368

78640 1.368

78641 1.597

78642 1.368

78643 1.093

78644 1.093

78645 1.368

78648 1.368

78650 1.597

78652 1.597

78653 1.368

78654 1.368

78655 1.093

78656 1.093

78657 1.597

78659 1.368

78660 1.597

78661 1.368

78662 1.093

78663 1.368

78664 1.368

78665 1.093

78666 1.093

78669 1.093

78670 1.597

78671 1.093

78672 1.368

78675 1.093

78676 1.368

78677 1.000

78681 1.368

78701 1.368

78702 1.368

78703 1.368

78704 1.368

78705 1.368

78712 1.368

78717 1.597

78719 1.368

78721 1.368

78722 1.368

78723 1.368

78724 1.368

78725 1.368


78726 1.368

78727 1.368

78728 1.368

78729 1.597

78730 1.597

78731 1.597

78732 1.368

78733 1.368

78734 1.368

78735 1.368

78736 1.093

78737 1.368

78738 1.368

78739 1.368

78741 1.368

78742 1.368

78744 1.368

78745 1.368

78746 1.368

78747 1.368

78748 1.368

78749 1.368

78750 1.368

78751 1.368

78752 1.093

78753 1.368

78754 1.368

78756 1.368

78757 1.368

78758 1.368

78759 1.597

78801 1.093

78827 0.838

78828 1.093

78829 1.000

78830 1.000

78832 1.093

78833 1.368

78834 1.000

78836 0.838

78837 1.368

78838 1.093

78839 0.838

78840 1.000

78843 1.000

78850 1.000

78851 1.093

78852 0.838

78861 1.000

78870 1.093

78871 1.093

78872 1.000

78873 1.093

78877 0.838



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-97 Ed. 8/22/2018


78879 1.368

78880 1.093

78881 1.093

78883 1.000

78884 1.368

78885 1.000

78886 1.000

78931 1.093

78932 1.368

78933 1.000

78934 1.093

78935 1.093

78938 1.368

78940 1.368

78941 1.093

78942 1.368

78943 1.368

78944 1.093

78945 1.093

78946 1.368

78947 1.368

78948 1.368

78949 1.093

78950 1.093

78951 1.093

78953 1.093

78954 1.368

78956 1.093

78957 1.597

78959 1.093

78962 1.093

78963 1.368

79001 2.928

79002 4.814

79003 4.161

79005 4.814

79007 4.161

79009 2.547

79010 2.928

79011 4.161

79012 4.161

79013 2.928

79014 4.814

79015 4.161

79018 2.928

79019 4.814

79021 2.928

79022 2.928

79024 4.814

79027 2.928

79029 4.161

79031 2.928

79032 4.161

79033 4.814


79034 4.814

79035 2.928

79036 4.161

79039 4.161

79040 4.161

79041 2.928

79042 4.161

79043 2.928

79044 2.928

79045 2.928

79046 4.814

79051 2.928

79052 4.161

79054 4.814

79056 4.814

79057 4.814

79058 4.161

79059 4.161

79061 4.161

79062 4.161

79063 4.161

79064 2.928

79065 4.814

79068 4.161

79070 4.814

79072 4.161

79078 4.161

79079 4.161

79080 4.814

79081 4.161

79082 2.928

79083 4.814

79084 2.928

79085 2.928

79086 4.161

79087 2.547

79088 4.161

79092 2.928

79093 4.814

79094 4.161

79095 4.814

79096 4.814

79097 4.161

79098 4.161

79101 4.161

79102 4.161

79103 4.161

79104 4.161

79106 4.161

79107 4.161

79108 4.161

79109 4.161

79110 4.161

79111 4.814


79118 4.161

79119 4.161

79121 4.161

79124 4.161

79201 4.161

79220 4.161

79221 4.161

79223 4.161

79225 4.814

79226 4.161

79227 4.161

79229 4.161

79230 4.814

79233 4.161

79234 4.161

79235 4.161

79237 4.814

79239 4.814

79240 4.161

79241 4.161

79243 4.161

79244 4.161

79245 4.161

79247 4.161

79248 4.161

79250 2.928

79251 4.161

79252 4.814

79255 4.814

79256 4.161

79257 4.161

79258 4.161

79259 4.161

79261 4.814

79311 2.928

79312 2.928

79313 4.161

79314 2.182

79316 2.928

79322 4.161

79323 2.182

79324 2.547

79325 2.547

79326 4.161

79329 2.928

79330 2.928

79331 2.928

79336 2.928

79339 4.161

79342 2.547

79343 2.928

79344 2.547

79345 2.928

79346 2.547


79347 2.547

79350 4.161

79351 2.928

79353 2.547

79355 2.182

79356 2.928

79357 4.161

79358 2.928

79359 2.182

79360 2.182

79363 2.928

79364 4.161

79366 4.161

79367 4.161

79370 4.161

79371 2.547

79372 2.928

79373 2.928

79376 2.547

79377 2.547

79379 2.547

79381 4.161

79382 2.928

79401 2.928

79403 2.928

79404 2.928

79407 2.928

79409 2.928

79410 2.928

79411 2.928

79412 2.928

79413 2.928

79414 2.928

79415 2.928

79416 2.928

79423 2.928

79424 2.928

79501 2.928

79502 4.161

79503 4.161

79504 2.928

79505 4.161

79506 2.928

79508 2.928

79510 2.928

79511 2.547

79512 2.928

79517 2.928

79518 4.161

79519 2.547

79520 4.161

79521 2.928

79525 2.928

79526 4.161



NB Eff 1/1/2018 - RB Eff 2/28/2019 HO-1100-98 Ed. 8/22/2018


79527 2.928

79528 4.161

79529 4.161

79530 2.928

79532 2.547

79533 2.928

79534 2.928

79535 2.928

79536 2.928

79537 2.928

79538 2.547

79539 4.161

79540 4.161

79541 2.928

79543 2.928

79544 2.928

79545 2.928

79546 4.161

79547 4.161

79548 4.161

79549 2.928

79553 4.161

79556 2.928

79560 2.928

79561 2.928

79562 2.928

79563 2.928

79565 2.928

79566 2.547

79567 2.547

79601 2.928

79602 2.928

79603 2.928

79605 2.928

79606 2.928

79607 2.928

79701 2.182

79703 2.182


79705 2.182

79706 2.182

79707 2.547

79713 2.928

79714 2.182

79718 1.000

79719 1.368

79720 2.928

79730 1.368

79731 1.597

79733 2.928

79734 1.000

79735 1.093

79738 2.928

79739 2.547

79740 2.928

79741 1.597

79742 1.368

79743 1.597

79744 1.368

79745 1.368

79748 2.547

79749 2.547

79752 1.597

79754 1.368

79755 2.182

79756 1.597

79758 2.182

79759 2.182

79761 2.547

79762 2.547

79763 2.182

79764 2.182

79765 2.182

79766 2.182

79772 1.093

79777 1.368

79778 2.182


79782 2.547

79783 2.547

79785 1.093

79788 1.597

79789 1.597

79821 0.544

79830 0.838

79834 0.544

79835 0.544

79836 0.544

79837 0.838

79838 0.544

79839 0.544

79842 1.000

79843 0.574

79845 0.544

79847 1.093

79848 1.093

79849 0.544

79851 0.838

79852 0.386

79853 0.544

79854 0.838

79855 0.544

79901 0.544

79902 0.574

79903 0.544

79904 0.544

79905 0.544

79906 0.544

79907 0.544

79908 0.574

79911 0.544

79912 0.544

79915 0.544

79918 0.574

79922 0.544

79924 0.574


79925 0.544

79927 0.544

79928 0.544

79930 0.544

79932 0.544

79934 0.544

79935 0.544

79936 0.544

79938 0.544

77457 0.838

75132 2.928

75978 1.597

76113 2.547

76121 2.547

77279 1.000

77315 1.000

77367 1.368

77415 0.838

77440 0.838

77443 1.000

77453 1.000

77464 1.000

77476 1.093

77561 1.093

77574 1.000

77580 1.000

77588 1.000

77615 1.000

77661 1.000

77977 1.000

78547 0.386

78561 0.386

78568 0.253

78579 0.432

78590 0.386

78594 0.386



NB Eff 1/1/2019 - RB Eff 2/28/2019 Index Ed. 08/22/2018

RULE INDEX

Additional Amounts of Coverage A, 600-1 Additional Fees and Credits, 175-1 Additional Residence Rented to Others, 920-1 Age and Marital Status of Named Insured, 420-1 Age of Home, 410-1 Animal Liability Buyback Endorsement, 610-1 Base Rates, 1010-1 Binding Authority, 105-1 Cancellation or Reduction in Limits of Liability or

Coverage, 110-1 Companion Policy Discount, 440-1 Construction Definitions, 115-1 Coverage A – Dwelling, 200-1 Coverage B – Other Structures, 210-1 Coverage C – Personal Property, 220-1 Coverage D – Loss of Use, 230-1 Coverage Overview, 100-1 Damage To Property of Others Increased Limits, 910-

1 Deductibles, 250-1 Dwelling Foundation Coverage, 930-1 Functional Replacement Cost Loss Settlement, 640-1 Golf Cart – Physical Damage & Liability Coverage,

650-1 Hip Roof Discount, 460-1 Home Computer Coverage, 660-1 Home Systems Protection, 610-1 IBHS / WPI-8 Discount, 470-1 Identity Theft Expense & Resolution Services

Coverage, 660-1 Inflation Guard, 680-1 Insurable Interests, 155-1 Key Factors, 1040-1 Limited Fungi or Microbes Coverage, 690-1 Limited Water Back-Up and Sump Discharge or

Overflow Coverage, 700-1 Limited Water Damage Coverage, 480-1 Mandatory Endorsements, 180-1 Maximum Discounts, 400-1 Minimum Premium, 120-1 Multiple Company Insurance, 125-1 Non-Structural Hail Loss Limitation Endorsement,

490-1 Number of Stories, 500-1 Occupancy, 170-1 Open Foundation Surcharge, 580-1

Ordinance or Law Coverage, 710-1 Other Insured Location Occupied By Insured, 720-1 Other Members of a Named Insured’s Household,

730-1 Other Structures – Increased Limits, 740-1 Other Structures Rented to Others – Residence

Premises, 750-1 Outboard Motors & Watercraft, 760-1 Payment Plans, 300-1 Payment Type Discount, 310-1 Personal Injury Coverage, 770-1 Personal Property – Increased Special Limits of

Liability, 780-1 Personal Property Replacement Cost LOss

Settlement, 790-1 Personal Property Scheduled, 800-1 Policy Form Rating Factor, 1020-1 Policy Term, 130-1 Premier Condominium Endorsement, 830-1 Premier Endorsement, 810-1 Premier Plus Endorsement, 820-1 Premium Calculation, 135-1 Previous Cancellations / Non-Renewals, 140-1 Protection Class / Construction Factors, 1030-1 Protection Class Information, 145-1 Protective Devices Discount, 520-1 Rating Tier Determination, 950-1 Refrigerated Personal Property, 840-1 Renewal, 150-1 Residence Employees, 940-1 Residence Held In Trust, 860-1 Section II Limits, 240-1 Secured Community / Theft Discount, 530-1 Special Coverage, 870-1 Student Away from Home, 880-1 Supplemental Loss Assessment Coverage, 890-1 Territory Definitions and Rate Factors, 1100-1 Tier Factors, 960-1 Transfer or Assignment, 160-1 Unit-Owners Rental to Others, 850-1 Waiver of Premium, 165-1 Water Damage Coverage, 945-1 Wind Opening Protection, 540-1 Windstorm or Hail Exclusion, 550-1 Wood Burning Stove Surcharge, 590-1

ho program manual

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