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FK MH 1.6

FMH (RR) 10/25/2018 of 17

LYNDON SOUTHERN INSURANCE COMPANY MANUFACTURED HOME PROGRAM

POLICY TERM A policy may be written for a term of 12 months. Renewal policies will be based upon the rates and forms in effect on the effective date of the renewal. WHOLE DOLLAR PREMIUM RULE All policy and endorsement premiums will be a full dollar amount. For this purpose, an amount of fifty (50) cents or more will be rounded to the next whole dollar. MINIMUM PREMIUM RULE A minimum written premium of $75 applies for each policy ACQUISITION FEE $20 per policy term – fully earned CHANGES All changes requiring premium adjustment will be computed pro-rata. All changes will be based upon the rules rates and forms in effect on the effective date of the change. WAIVER OF PREMIUM RULE If a policy change results in a premium increase of less than $5, this adjustment will be waived. CANCELLATIONS At cancellation, unearned premium will be computed on a pro-rate basis. DEFINITIONS Primary/Permanent Residence – The insured lives in the mobile home for a minimum of nine months a year. The mobile home must be rated based on the principal occupant. Secondary/Seasonal Residence – A home that is not the insureds primary residence but one that is used on an intermittent basis by the insured or the insured’s immediate family for vacation, weekend, or recreational purposes. Residence may not be rented to others. Rental – Unit is rented to others for monetary compensation. Protected – Protection Class 1-8. Mobile home must be within five miles of a Fire Department and 1000ft from a fire hydrant. Unprotected – All other risks.

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INSURANCE TO VALUE Mobile Home, Adjacent Structures, and Personal Effects are to be insured to their Actual Cash Value. If the mobile home has recently been purchased, use the purchase price (less any finance charges) as the base value. Additions attached to the mobile home should be considered in the value of the mobile home. The ACV rule applies to all Programs except for the Preferred Program. On the Preferred Program, mobile homes must be insured to their estimated Replacement Cost. An estimate of Replacement Cost will be required. The estimate of replacement cost shall be based on an estimate of the cost to rebuild or replace the mobile home taking into account the cost to replace the single mobile home being evaluated, as compared to the cost to replace multiple mobile homes. PROGRAM RATING PROCEDURE All Programs

1) Determine the use of the home and determine proper program to place the risk 2) Determine the location of the risk (Zip, County, Territory) 3) A. For Preferred determine the Replacement Cost of the Mobile Home

B. For Standard Program determine the ACV or Replacement Cost (if purchased) C. For Rental/Light Commercial determine the ACV

4) Based on the factors above identify the appropriate Base Rate from the territory rate tables; 5) Adjust the applicable Base Rate by adding rates for any increased coverage amounts for

Coverages B, C, D, E & F. 6) Multiply the result by the applicable Home Age factor; 7) Multiply the result by the applicable Protection Class factor; 8) Multiply the result by the applicable Park factor; 9) Multiply the result by the applicable Subdivision factor; (note: only one of 8 or 9 can be >1.0) 10) Multiply the result by the applicable Age of Insured factor; 11) Adjust the result by all applicable percentage discounts or surcharges; 12) Adjust the result by all applicable flat dollar discounts or surcharges; 13) The result is the Total Premium 14) Add the Policy Fee to the Total Premium

Fire Department Tax Discount A 1.54% credit is applied to 35% of the premium in the cities of Fountain Hills (zip code 85268 and 85269) and Carefree (zip code 85377).

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PREFERRED PROGRAM

ELIGIBILITY • Mobile home must have a minimum Replacement Value of $20,000 • Mobile home must be 1970 or newer (no restriction in Preferred Park as defined by Company) • Mobile home may be located in a subdivision of 20 spaces or more • Mobile home may be located on private property if all of the eligible criteria have been met • Mobile Home must be owner occupied as a primary or seasonal/secondary residence of the insured

and the mobile home, roof and premises must be in good to excellent condition and show proper maintenance.

o Roofs should not exhibit missing, damaged or curling shingles or damage to any part of the roofing system. No more than two layers of roofing.

o Siding and trim should not show evidence of mold, rot, or deterioration. No part of the siding system should be missing.

o Windows and doors should be secure with no broken or missing components o Porches, decks, patios, yard, walkways/driveways, etc. must be undamaged and free from

debris o Stairs with more than three steps or porches/decks greater than 3 feet from the ground

require handrails or railings which are complete and in good repair. o Landscaping must be trimmed and maintained with no tree overhand above roof.

TERRITORY DEFINITIONS Territory 1 Yuma Territory 2 All Other Territory 3 Maricopa Pima Pinal Territory 4 Mohave LaPaz BASE DEDUCTIBLE Primary Residence 1990 and older - $250 All Other Perils / $500 Wind/Hail/Water Primary Residence 1991 and newer - $250 All Other Perils / $500 Wind BASE COVERAGE Unattached Adjacent Structures 10% of mobile home limit Personal Effects 50% of mobile home limit Additional Living Expense 20% of mobile home limit Comprehensive Personal Liability $100,000 Medical Payments to Others $1000

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Extended Replacement Cost on Mobile Home Personal Property Replacement Cost Comprehensive Coverage (Excluding Flood and Earthquake) on Mobile Home and Other Structures Named Perils Coverage on Personal Effects Flood and Earthquake Coverage are available Options Ordinance or Law Occasional Rental (Maximum of 180 days in a 365 day period.) Builders Risk Coverage $1000 Identity Fraud RATES Base Rates - See separate Base Rate Tables in Rate Manual

Home Age Factors

MH Age Territory 1

Factor Territory 2

Factor Territory 3

Factor Territory 4

Factor 1970 & Older 1.2 1.25 1.24 1.32 1971 – 1976 1.18 1.23 1.22 1.3 1977 – 1987 1 1.05 1.03 1.09 1988 to 11 years old 1 1.05 1.02 1.05 9 – 10 years old 1 1.05 1.02 1.05 7 – 8 years old 0.98 1.01 0.98 1.02 5 – 6 years old 0.93 0.93 0.93 0.93 3 – 4 years old 0.89 0.89 0.89 0.89 0 – 2 years old 0.88 0.88 0.88 0.88

Protection Class Factors (All Territories)

Protection Class

Factor

1 1.00 2 1.00 3 1.00 4 1.00 5 1.00 6 1.00 7 1.00 8 1.00 9 1.45 10 1.45

Park Factors (All Territories)

Park Factor In Park 1.00 Out of Park 1.20

Subdivision Factors (All Territories)

Subdivision Factor In Division 1.00 Out of Division 1.20

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Age of Insured Factors (All Territories)

Age Factor 50 & Older .80 35-49 1.05 0-34 1.10

CREDITS/SURCHARGES Multi-Section Credit: If the mobile home is manufactured as a multi-sectional unit (>16ft wide) a credit applies to base premium according to the following table:

Terr 1

Terr 2

Terr 3

Terr 4

Cov A < $60,000 N/A $10 $10 N/A Cov A >/= $60,000 N/A $20 $20 N/A

Claims Free Transfer Discount: If the mobile home has been insured and claim free with another company for the past 36 months with no lapse in coverage a discount applies to the base premium: $12 Claims Surcharge: The surcharge must be applied if the applicant has had claims (paid losses) in the last 36 months.

# of Claims

Surcharge

2 Claims 15% 3 or more 25%

Supplemental Heating Surcharge $35.00 Full Repair Cost Loss Settlement Discount: $15.00 Lender Free Discount: $10.00 PREFERRED PROGRAM OPTIONAL COVERAGES Optional Deductibles (This does not change the Deductible for Earthquake)

All Territories $250 AP +$20 $250/$500 Wind/Hail/Water Base $500 AP -$40 $500/$1000 Wind/Hail/Water -$55 $1000 AP -$70 $2500 AP -$85 $5000 AP (Cov A over $75,000) -$100

Coverage B -- Additional Other Structures, Per $100 (All Territories) $.30

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Coverage C -- Additional Personal Property, Per $100 (All Territories) $.30 Coverage D – Additional Living Expense: Increased limit not available. Coverage E - Personal Liability $50,000 $8.00 $300,000 $18.00 $500,000 $45.00 Coverage F – Medical Payments to Others $2,500 $10.00 $5,000 $20.00 Additional Residences – Liability Coverage (Limit must match primary “Personal Liability” Limit. “Medical Payments” Limit will automatically match) Secondary Rented to Others $50,000 $10 $15 Per additional insured premises $100,000 $15 $20 Per additional insured premises $300,000 $20 $25 Per additional insured premises $500,000 $30 $35 Per additional insured premises Scheduled Personal Property, per $100 of Coverage $1.50

• $50.00 Minimum Premium • Maximum coverage of $10,000 for all combined classes • A complete description (brand, name, color, serial number, etc)

of covered items must be included when bound. Additionally, the sales receipt and/or certified appraisal is required on any item, set or collection valued at $1000 or more.

Golf Cart Coverage $35.00 This endorsement covers Physical Damage and Liability. A complete description required including year, make, serial number, value Flood and Rising Water Coverage $10.00 May not be added when the Manufactured Home is located in a flood prone area. Earthquake Coverage $20.00 Coverage may be purchased subject to a 10% ($1000 minimum) Deductible

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Water Backup and Sump Discharge or Overflow Coverage $15.00 Permitted Vacancy Coverage (Fully Earned) $50.00 Identity Fraud Coverage $1,000 Included $5,000 $25.00 $10,000 $40.00 2% Non-Structural Hail Coverage $25.00 Equipment Breakdown ($500 Special Deductible) $25.00

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STANDARD PROGRAM

ELIGIBILITY Mobile home must be owner occupied as a primary or secondary/seasonal residence Homes 1969 and older located in a mobile home park, subdivision, or private property Homes located in a mobile home park with 25 or less occupied spaces TERRITORY DEFINITIONS Territory A Maricopa County Territory B Mohave, Pinal and Yavapai Counties Territory C Yuma County Territory D Remainder of State Territory E Pima County BASE DEDUCTIBLE Primary Residence: $500 All Other Perils Seasonal/Secondary: $500 All Perils BASE COVERAGE Unattached Adjacent Structures 10% of Mobile Home Limit Personal Effects 50% of Mobile Home Limit Additional Living Expense 20% of Mobile Home Limit Comprehensive Personal Liability $50,000 Medical Payments to Others $500 Flood and Earthquake Coverages are available options Builder’s Risk Coverage Enhancement Coverage $1000 Identity Fraud RATES Base Rates See separate Rate Tables

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Home Age Factors

Home Age

Territory A

Remainder

31+ 1.05 1.01 21-30 1.00 1.00 16-20 .95 .95 11-15 .95 .95 7-10 .95 .95 5-8 .95 .95 0-4 .95 .95


Protection Class

Factor

1 1.00 2 1.00 3 1.00 4 1.00 5 1.00 6 1.00 7 1.00 8 1.00 9 1.35 10 1.70


Park Factor In Park 1.00 Out of Park 1.10

Subdivision Factors (All Territories)

Subdivision Factor In Division 1.00 Out of Division 1.10

Age of Insured Factors (All Territories)

Age Factor 60 & Older

.80

50-59 .90 35-49 1.00 0-34 1.00

CREDITS/SURCHARGES Claims Free Transfer Discount: If the mobile home has been insured and claim free with another company for the past 36 months with no lapse in coverage a discount applies to the base premium: 10%

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Claims Surcharge: The surcharge must be applied if the applicant has had claims (paid losses) in the last 36 months.

# of Claims Surcharge 2 Claims 15% 3 or more 25%

Supplemental Heating Surcharge $35.00 Lender Free Discount: $10.00 STANDARD PROGRAM OPTIONAL COVERAGES Optional Deductibles (This does not change the Deductible for Earthquake)

All Territories $500 AP Base $500/$1000 Wind/Hail/Water -$50 $1000 AP -$55 $2500 AP -$75 $5000 AP (Cov A over $75,000) -$90

Additional Other Structures, Per $100 (All Territories) $.40 Increased Additional Living Expense, Per $100 (All Territories) $.25 Additional Personal Property, Per $100 (All Territories) $.25 Personal Property Replacement Cost Coverage. Per $100 (All Territories) $.05 Comprehensive Personal Liability or Premises Liability $100,000 $10.00 $300,000 $25.00 $500,000 $40.00 Increased Medical Payments $1,000 $5.00 $2,500 $7.00 $5,000 $10.00 Additional Residences – Liability Coverage (Limit must match primary “Personal Liability” Limit. “Medical Payments” Limit will automatically match) Secondary Rented to Others $50,000 $10 $15 Per additional insured premises $100,000 $15 $20 Per additional insured premises $300,000 $20 $25 Per additional insured premises $500,000 $35 $40 Per additional insured premises

Scheduled Personal Property, per $100 of Coverage $1.50

• $50.00 Minimum Premium

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• Maximum coverage of $10,000 for all combined classes • A complete description (brand, name, color, serial number, etc)

of covered items must be included when bound. Additionally, the sales receipt and/or certified appraisal is required on any item, set or collection valued at $1000 or more.

Golf Cart Coverage $35.00 This endorsement covers Physical Damage and Liability. A complete description required including year, make, serial number, value Flood and Rising Water Coverage $10.00 May not be added when the Mobile Home is located in a flood prone area. Earthquake Coverage $20.00 Coverage may be purchased subject to a 10% ($1000 minimum) Deductible Water Backup and Sump Discharge or Overflow Coverage $15.00 Identity Fraud Coverage $1,000 Included $5,000 $25.00 $10,000 $40.00 2% Non-Structural Hail Coverage $25.00 One only of the following coverage options:

1. Manufactured Home Replacement Cost a. Homes 0-15 Yrs old $10.00 b. Homes 16+ Yrs old $30.00

2. Manufactured Home Full Repair Cost

a. Homes 0-15 Yrs old $10.00 b. Homes 16+ Yrs old $30.00

3. Agreed Value – Manufactured Home

a. Homes 0-15 Yrs old $10.00 b. Homes 16+ Yrs old $30.00

Occasional Rental $25.00 Maximum of 180 days in a 365 day period Farm Structures or Livestock Structures Coverage $15.00 Equipment Breakdown ($500 Special Deductible) $25.00

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RENTAL/LIGHT COMMERCIAL PROGRAM/VACANT

ELIGIBILITY TERRITORY DEFINITIONS (SEE STANDARD PROGRAM) RENTAL: Occupied mobile homes used for habitational purposes, commercial offices, constructions site offices, classrooms, libraries, or display units. VACANT: Mobile homes located in park with 25 or more spaces. May be written for a maximum of one year. DEDUCTIBLE: $500 All Other Perils RATES Mobile Home Coverage Rates Shown are per $100 of coverage. Terr A Terr B Terr C Terr D Terr E Comprehensive Coverage on Mobile home $0.95 $1.10 $0.93 $1.06 $0.95 Flood and Earthquake coverages are not included. Home Age Factors (All Territories)

Home Age

Factor

31+ 1.00 21-30 1.00 11-20 1.00 9-10 .97 7-8 .97 5-6 .95 3-4 .95 0-2 .95


Protection Class

Factor

1 1.00 2 1.00 3 1.00 4 1.00 5 1.00 6 1.00 7 1.00 8 1.00 9 1.05 10 1.05

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Park Factor In Park .96 Out of Park

1.00

CREDITS/SURCHARGES Claims Free Transfer Discount: If the mobile home has been insured and claim free with another company for the past 36 months with no lapse in coverage a discount applies to the base premium: 7% Claims Surcharge: The surcharge must be applied if the applicant has had claims (paid losses) in the last 36 months.

# of Claims

Surcharge

2 Claims 15% 3 or more 25%

Supplemental Heating Surcharge $35.00 For Vacant Mobile Homes, Permitted Vacancy Coverage (Fully Earned) $50.00 RENTAL/LIGHT COMMERCIAL OPTIONAL COVERAGES Optional Deductibles (This does not change the Deductible for Earthquake)

All Territories $500 AP Base $500/$1000 Wind/Hail/Water -$50 $1000 AP -$55 $2500 AP -$75 $5000 AP (Cov A over $75,000) -$90

Additional Other Structures, Per $100 (All Territories) $.93 Fair Rental Value, Per $100 (All Territories) $.50 Additional Personal Property, Per $100 (All Territories) $.90 Premises Liability (Per Location) $50,000 $30.00 $100,000 $35.00 $300,000 $50.00 $500,000 $75.00

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Increased Medical Payments (Per Location) $1,000 $5.00 $2,500 $7.00 $5,000 $10.00 Flood and Rising Water Coverage $20.00 May not be added when the Mobile Home is located in a flood prone area. Earthquake Coverage $20.00 Coverage may be purchased subject to a 10% ($1000 minimum) Deductible 2% Non-Structural Hail Coverage

Terr B

Remainder

$25 $40 Mobile Home Replacement Cost (homes 1990 and newer) Homes 0-15 Yrs old $15.00 Homes 16+ Yrs old $35.00 Mobile Home Full Repair Cost Homes 0-15 Yrs old $15.00 Homes 16+ Yrs old $35.00 Farm Structures or Livestock Structures Coverage $15.00 Equipment Breakdown ($500 Special Deductible) $25.00

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UNDERWRITING RULES BINDING Bound applications that do not meet our underwriting criteria for eligibility will be processed and a Notice of Cancellation will be issued to terminate coverage. Unbound applications that do not meet our underwriting criteria for eligibility will be returned to the agent with an explanation. NATURAL CATASTROPHES – BINDING HURRICANES AND TROPICAL STORMS: No new policies, binders, increases in coverage will be accepted in counties where a Hurricane Watch, Hurricane Warning, or Tropical Storm Warning has been issued by the National Weather Bureau. Restrictions are only lifted once the weather event has diminished and the National Hurricane Center no longer classifies the event as a hurricane or tropical storm. FLOOD WARNING: If flood coverage applies, no new policies, binders, or increases in coverage will be accepted when flooding is within five miles of the mobile home. EARTHQUAKE RESTRICTIONS: If earthquake coverage applies, when a major earthquake occurs the Company will impose binding authority restrictions in affected areas. Binding authority will be restricted when an earthquake reading 5.0 or greater on the Richter scale occurs. Binding authority will be restricted for the day of the quake and for 3 days following the quake. An aftershock reading 5.0 on the Richter scale or greater will be considered a new earthquake and will result in a new period of suspended binding authority. The restrictions will apply to all counties located within 150 miles of the earthquake’s epicenter. All restrictions also apply to any requests to increase coverage. Renewals are not affected by these restrictions. COVERAGE LIMITS Maximum Limits

• Mobile Home: $300,000 in Preferred, $150,000 in Standard Program , $175,000 in Rental/Light Commercial

• Unattached Adjacent Structures: 60% of the Mobile Home limit or $25,000 maximum per structure. All structures other than private garages, fences, freestanding carports, and utility sheds must be individually described including an individual limit.

• Additional Living Expense: 20% of the Mobile Home limit for Preferred and Standard programs • Fair Rental Value: No maximum limit for Rental/Light Commercial program • Personal Effects: $25,000 or 75% of the Mobile Home limit • Personal Liability: $300,000 without prior approval from general agent.

TRAVEL TRAILERS Must have: Wheels removed; anchored or tied down; fully skirted; hooked up to permanent utilities (water, sewer, electricity) and not reliant on self-containment facilities such as holding tanks or portable generators. Photos must be provided at time of binding. TIE DOWN REQUIREMENTS All units must be tied down with tie-downs designed and manufactured with a tensile strength (ultimate breaking strength) of 4,800 pounds. All adjacent structures and additions including expandos and tip outs

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must be tied down as well. Both ends of adjacent structures must be tied down and one additional tie down must be installed for each space of 20 feet between the two tie-downs on the end. Over-the-top straps or vertical bars can be substituted on any structure where frame tie-downs cannot provide the proper stability and protection. PHOTO REQUIREMENTS Photos are required on the follow risks:

• Homes located on Private property • Auxiliary heating devices showing the stove or fireplace as well as inside and outside venting.

Photos required only for non-factory or unknown installation source. • Units that have been substantially modified • Swimming pools, hot tubs, trampolines, and other hazards on the premises

UNDERWRITING REPORTS Credit reports will be ordered when applicant has a lapse in coverage greater than three months. The credit report will only be used to verify information shown on the application. Loss History reports will be run as necessary to verify prior loss information as well as paid amounts. RELOCATION If the mobile home is relocated the producer or Company must be notified within 30 days and the premium adjusted if necessary. SUBMIT RISK – DO NOT BIND

• Applicants that have had a loss to any property in past 5 years. Describe loss and amount paid. • Applicants that have had a mobile home/dwelling policy cancelled or non-renewed for

underwriting reasons (except age of unit) during the past 5 years. • Homes located on an island, key, peninsula or within 1000 ft from any river or body of saltwater • Homes that are custom built, “homemade”, substantially modified, or joined together. Photos

must be included. • Homes with 3 or more steps on any exit without a handrail • Homes with attached or unattached structures (other than porches, decks, awnings, skirting, or

carports) that are not factory or contractor built. • Homes with a wood or pellet burning device. • Homes located in a Special Flood Hazard Area as designated by the NFIP, or that are 1,500 feet

from a lake, pond or creek. • Homes that are owned by a corporation or property sold on a land contract • Homes with horses, livestock, or any farm animals on the premises. • Any premises with 5 or more acres • Any additional structure valued over $25,000 or 60% of the Mobile Home limit • Risks where the value of personal effects exceeds the greater of $25,000 or 75% of the Mobile

Home limit

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UNACCEPTABLE RISKS

• Applicants with duplicate coverage • Homes without permanently installed water, electricity, and sewage utility services • Applicants convicted of arson, fraud or a felony • Homes that have been salvaged or have existing structural damage • Homes under construction or major renovation • Homes that are vacant or in foreclosure. Vacant homes may be written in the Vacant program. • Isolated homes that are not easily accessible by public roadways • Homes with coal burning stoves, kerosene heaters, portable space heaters, heat reclaiming

devices, homemade heating devices, or any potentially hazardous supplemental heating device. • Homes where the primary source of heat is a wood or pellet burning device • Homes with fireplaces that were not installed by the manufacturer or a license contractor • Homes with fuses or polybutelene pipes • Homes or structures used to store flammable or explosive materials • Homes located in a designated flood hazard area (100 yr flood plain) by the NFIP. Flood must be

excluded. • Homes located within a wildfire or brush hazard area • Homes with more than 2 lienholders. Two lienholders are acceptable if one is a financial

institution. • Homes with business, childcare, homecare, lodging, or farming activities conducted on the

premises. • Risks with unattached adjacent structures not incidental to the use of the home as a dwelling

including: o Any structure that exceeds 1000 square feet in floor area o Unattached structure that is a home, site built house, barn (livestock structure), or used

as a living quarters o Greenhouses that are made of glass o Seawalls

• Risks with an awning made of cloth or canvas • Homes with wood shake shingles as a roof covering or used decoratively on sides of the mobile

home. • Any premises with a swimming pool or hot tub not fully enclosed with a minimum four-foot fence

with self-locking gate, or any premises with a swimming pool or pool slide. Liability must be excluded in order for policy to be written.

• Any premises with activities being conducted on it, such as woodworking, cabinet making, auto repair, chemical processing or if the home is attached to a tavern or restaurant.

• Any premises with a trampoline. Liability must be excluded. • Any premises with a dock, pier or boathouse. Liability must be excluded. • Homes without permanently installed steps at all entrances. Liability must be excluded. • Applicants who own, keep, or shelter any of the following breeds: Akitas, Chows, Dobermans,

Great Danes, Pit Bulls, Rottweilers, Wolfs or Wolf Hybrids, any mix of these breeds. Any animal with a previous bite history or any exotic animals (snakes, monkeys, etc). Risks with more than 2 horses. Risks may be written if the Animal Liability Exclusion is attached. The maximum liability limit for the policy is $50,000.

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Preferred Program Base Rates

Coverage Amount Territory Min Max 1 2 3 4

1 20,999 261 267 275 301 21,000 21,999 270 275 281 306 22,000 22,999 276 281 289 312 23,000 23,999 282 287 296 315 24,000 24,999 290 297 304 320 25,000 25,999 296 303 312 325 26,000 26,999 300 307 318 329 27,000 27,999 305 313 322 334 28,000 28,999 312 318 328 339 29,000 29,999 315 322 333 343 30,000 30,999 321 326 337 348 31,000 31,999 326 328 339 352 32,000 32,999 330 331 345 359 33,000 33,999 335 336 352 365 34,000 34,999 339 340 357 371 35,000 35,999 344 345 363 376 36,000 36,999 351 352 369 383 37,000 37,999 356 357 372 388 38,000 38,999 361 362 379 393 39,000 39,999 365 366 385 399 40,000 40,999 371 371 389 407 41,000 41,999 373 374 395 412 42,000 42,999 380 381 402 417 43,000 43,999 385 386 409 423 44,000 44,999 388 389 413 429 45,000 45,999 392 393 418 436 46,000 46,999 399 400 425 443 47,000 47,999 405 407 429 450 48,000 48,999 408 410 434 454 49,000 49,999 413 416 440 459 50,000 50,999 417 421 448 464 51,000 51,999 423 428 453 467 52,000 52,999 428 431 457 473 53,000 53,999 432 436 462 478 54,000 54,999 437 440 468 482 55,000 55,999 443 446 474 486 56,000 56,999 449 452 479 490

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57,000 57,999 453 457 485 496 58,000 58,999 458 461 490 501 59,000 59,999 461 465 496 504 60,000 60,999 466 468 503 509 61,000 61,999 473 476 507 514 62,000 62,999 476 480 511 519 63,000 63,999 481 479 517 524 64,000 64,999 486 484 524 530 65,000 65,999 490 488 531 536 66,000 66,999 496 494 536 542 67,000 67,999 502 500 541 547 68,000 68,999 507 504 547 553 69,000 69,999 510 508 552 559 70,000 70,999 515 512 556 565 71,000 71,999 520 518 561 570 72,000 72,999 525 524 566 576 73,000 73,999 531 531 570 580 74,000 74,999 536 536 575 583 75,000 75,999 541 541 580 589 76,000 76,999 544 544 583 593 77,000 77,999 549 549 589 598 78,000 78,999 554 554 593 602 79,000 79,999 559 559 598 606 80,000 80,999 563 563 602 611 81,000 81,999 568 568 606 614 82,000 82,999 575 575 612 618 83,000 83,999 580 580 617 623 84,000 84,999 583 583 620 627 85,000 85,999 589 589 625 633 86,000 86,999 592 595 629 638 87,000 87,999 599 599 635 642 88,000 88,999 603 603 640 647 89,000 89,999 609 609 645 640 90,000 90,999 613 611 649 656 91,000 91,999 618 612 662 661 92,000 92,999 624 618 668 665 93,000 93,999 628 623 673 670

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94,000 94,999 633 626 679 675 95,000 95,999 637 632 685 679 96,000 96,999 641 636 691 686 97,000 97,999 646 641 696 689 98,000 98,999 651 648 702 693 99,000 99,999 656 653 708 694

100,000 100,999 663 660 713 702 101,000 101,999 667 663 719 707 102,000 102,999 671 668 726 712 103,000 103,999 677 673 731 715 104,000 104,999 683 679 736 723 105,000 105,999 686 683 742 730 106,000 106,999 691 687 749 736 107,000 107,999 694 692 755 743 108,000 108,999 700 696 760 751 109,000 109,999 706 702 764 758 110,000 110,999 711 707 772 765 111,000 111,999 715 713 777 772 112,000 112,999 719 715 781 779 113,000 113,999 726 721 786 786 114,000 114,999 730 727 789 792 115,000 115,999 733 730 795 798 116,000 116,999 738 735 800 803 117,000 117,999 744 741 804 808 118,000 118,999 751 749 808 815 119,000 119,999 755 751 813 821 120,000 120,999 759 754 818 826 121,000 121,999 764 756 823 831 122,000 122,999 770 762 827 838 123,000 123,999 773 766 831 844 124,000 124,999 779 772 836 849 125,000 125,999 784 777 842 854 126,000 126,999 787 780 846 861 127,000 127,999 793 786 850 866 128,000 128,999 798 789 854 873 129,000 129,999 804 798 862 879 130,000 130,999 808 801 869 885

FK MH 1.6

10/25/2018 Edition



131,000 131,999 811 806 876 890 132,000 132,999 818 810 884 896 133,000 133,999 822 815 890 902 134,000 134,999 827 821 897 908 135,000 135,999 831 825 903 916 136,000 136,999 839 831 909 920 137,000 137,999 843 835 915 926 138,000 138,999 846 840 920 934 139,000 139,999 852 846 925 941 140,000 140,999 855 849 932 947 141,000 141,999 861 853 938 955 142,000 142,999 866 859 942 961 143,000 143,999 871 865 948 968 144,000 144,999 874 867 957 976 145,000 145,999 881 875 964 984 146,000 146,999 886 881 973 990 147,000 147,999 889 885 981 997 148,000 148,999 896 891 990 1,004 149,000 149,999 901 896 996 1,011 150,000 150,999 907 902 1,002 1,017 151,000 151,999 911 907 1,005 1,025 152,000 152,999 916 911 1,008 1,032 153,000 153,999 921 917 1,012 1,038 154,000 154,999 925 921 1,015 1,046 155,000 155,999 931 925 1,019 1,052 156,000 156,999 937 932 1,025 1,058 157,000 157,999 941 937 1,029 1,065 158,000 158,999 945 941 1,034 1,073 159,000 159,999 951 946 1,038 1,079 160,000 160,999 956 951 1,042 1,087 161,000 161,999 961 957 1,048 1,097 162,000 162,999 966 960 1,061 1,102 163,000 163,999 971 961 1,068 1,106 164,000 164,999 978 967 1,072 1,109 165,000 165,999 982 971 1,076 1,113 166,000 166,999 986 977 1,080 1,116 167,000 167,999 992 982 1,085 1,120

FK MH 1.6

10/25/2018 Edition



168,000 168,999 997 988 1,091 1,123 169,000 169,999 1,002 992 1,094 1,127 170,000 170,999 1,007 999 1,099 1,130 171,000 171,999 1,012 1,004 1,105 1,133 172,000 172,999 1,017 1,010 1,109 1,137 173,000 173,999 1,022 1,014 1,114 1,141 174,000 174,999 1,027 1,018 1,119 1,144 175,000 175,999 1,033 1,025 1,123 1,148 176,000 176,999 1,036 1,029 1,128 1,150 177,000 177,999 1,041 1,034 1,131 1,153 178,000 178,999 1,049 1,040 1,137 1,157 179,000 179,999 1,054 1,046 1,142 1,161 180,000 180,999 1,058 1,051 1,146 1,165 181,000 181,999 1,063 1,055 1,150 1,168 182,000 182,999 1,069 1,060 1,155 1,171 183,000 183,999 1,074 1,065 1,160 1,174 184,000 184,999 1,078 1,071 1,165 1,178 185,000 185,999 1,083 1,075 1,169 1,182 186,000 186,999 1,088 1,080 1,173 1,186 187,000 187,999 1,093 1,085 1,178 1,188 188,000 188,999 1,098 1,091 1,183 1,192 189,000 189,999 1,104 1,095 1,188 1,195 190,000 190,999 1,108 1,101 1,192 1,199 191,000 191,999 1,114 1,107 1,196 1,202 192,000 192,999 1,119 1,113 1,201 1,207 193,000 193,999 1,123 1,117 1,207 1,209 194,000 194,999 1,130 1,124 1,210 1,213 195,000 195,999 1,134 1,129 1,215 1,217 196,000 196,999 1,139 1,133 1,221 1,221 197,000 197,999 1,145 1,139 1,223 1,224 198,000 198,999 1,150 1,144 1,230 1,228 199,000 199,999 1,155 1,150 1,235 1,231 200,000 200,999 1,160 1,153 1,239 1,235 201,000 201,999 1,164 1,157 1,243 1,238 202,000 202,999 1,168 1,161 1,247 1,241 203,000 203,999 1,172 1,165 1,251 1,244 204,000 204,999 1,176 1,169 1,255 1,247

FK MH 1.6

10/25/2018 Edition



205,000 205,999 1,180 1,173 1,259 1,250 206,000 206,999 1,184 1,177 1,263 1,253 207,000 207,999 1,188 1,181 1,267 1,256 208,000 208,999 1,192 1,185 1,271 1,259 209,000 209,999 1,196 1,189 1,275 1,262 210,000 210,999 1,200 1,193 1,279 1,265 211,000 211,999 1,204 1,197 1,283 1,268 212,000 212,999 1,208 1,201 1,287 1,271 213,000 213,999 1,212 1,205 1,291 1,274 214,000 214,999 1,216 1,209 1,295 1,277 215,000 215,999 1,220 1,213 1,299 1,280 216,000 216,999 1,224 1,217 1,303 1,283 217,000 217,999 1,228 1,221 1,307 1,286 218,000 218,999 1,232 1,225 1,311 1,289 219,000 219,999 1,236 1,229 1,315 1,292 220,000 220,999 1,240 1,233 1,319 1,295 221,000 221,999 1,244 1,237 1,323 1,298 222,000 222,999 1,248 1,241 1,327 1,301 223,000 223,999 1,252 1,245 1,331 1,304 224,000 224,999 1,256 1,249 1,335 1,307 225,000 225,999 1,260 1,253 1,339 1,310 226,000 226,999 1,264 1,257 1,343 1,313 227,000 227,999 1,268 1,261 1,347 1,316 228,000 228,999 1,272 1,265 1,351 1,319 229,000 229,999 1,276 1,269 1,355 1,322 230,000 230,999 1,280 1,273 1,359 1,325 231,000 231,999 1,284 1,277 1,363 1,328 232,000 232,999 1,288 1,281 1,367 1,331 233,000 233,999 1,292 1,285 1,371 1,334 234,000 234,999 1,296 1,289 1,375 1,337 235,000 235,999 1,300 1,293 1,379 1,340 236,000 236,999 1,304 1,297 1,383 1,343 237,000 237,999 1,308 1,301 1,387 1,346 238,000 238,999 1,312 1,305 1,391 1,349 239,000 239,999 1,316 1,309 1,395 1,352 240,000 240,999 1,320 1,313 1,399 1,355 241,000 241,999 1,324 1,317 1,403 1,358

FK MH 1.6

10/25/2018 Edition



242,000 242,999 1,328 1,321 1,407 1,361 243,000 243,999 1,332 1,325 1,411 1,364 244,000 244,999 1,336 1,329 1,415 1,367 245,000 245,999 1,340 1,333 1,419 1,370 246,000 246,999 1,344 1,337 1,423 1,373 247,000 247,999 1,348 1,341 1,427 1,376 248,000 248,999 1,352 1,345 1,431 1,379 249,000 249,999 1,356 1,349 1,435 1,382 250,000 250,999 1,360 1,353 1,439 1,385 251,000 251,999 1,364 1,357 1,443 1,388 252,000 252,999 1,368 1,361 1,447 1,391 253,000 253,999 1,372 1,365 1,451 1,394 254,000 254,999 1,376 1,369 1,455 1,397 255,000 255,999 1,380 1,373 1,459 1,400 256,000 256,999 1,384 1,377 1,463 1,403 257,000 257,999 1,388 1,381 1,467 1,406 258,000 258,999 1,392 1,385 1,471 1,409 259,000 259,999 1,396 1,389 1,475 1,412 260,000 260,999 1,400 1,393 1,479 1,415 261,000 261,999 1,404 1,397 1,483 1,418 262,000 262,999 1,408 1,401 1,487 1,421 263,000 263,999 1,412 1,405 1,491 1,424 264,000 264,999 1,416 1,409 1,495 1,427 265,000 265,999 1,420 1,413 1,499 1,430 266,000 266,999 1,424 1,417 1,503 1,433 267,000 267,999 1,428 1,421 1,507 1,436 268,000 268,999 1,432 1,425 1,511 1,439 269,000 269,999 1,436 1,429 1,515 1,442 270,000 270,999 1,440 1,433 1,519 1,445 271,000 271,999 1,444 1,437 1,523 1,448 272,000 272,999 1,448 1,441 1,527 1,451 273,000 273,999 1,452 1,445 1,531 1,454 274,000 274,999 1,456 1,449 1,535 1,457 275,000 275,999 1,460 1,453 1,539 1,460 276,000 276,999 1,464 1,457 1,543 1,463 277,000 277,999 1,468 1,461 1,547 1,466 278,000 278,999 1,472 1,465 1,551 1,469

FK MH 1.6

10/25/2018 Edition



279,000 279,999 1,476 1,469 1,555 1,472 280,000 280,999 1,480 1,473 1,559 1,475 281,000 281,999 1,484 1,477 1,563 1,478 282,000 282,999 1,488 1,481 1,567 1,481 283,000 283,999 1,492 1,485 1,571 1,484 284,000 284,999 1,496 1,489 1,575 1,487 285,000 285,999 1,500 1,493 1,579 1,490 286,000 286,999 1,504 1,497 1,583 1,493 287,000 287,999 1,508 1,501 1,587 1,496 288,000 288,999 1,512 1,505 1,591 1,499 289,000 289,999 1,516 1,509 1,595 1,502 290,000 290,999 1,520 1,513 1,599 1,505 291,000 291,999 1,524 1,517 1,603 1,508 292,000 292,999 1,528 1,521 1,607 1,511 293,000 293,999 1,532 1,525 1,611 1,514 294,000 294,999 1,536 1,529 1,615 1,517 295,000 295,999 1,540 1,533 1,619 1,520 296,000 296,999 1,544 1,537 1,623 1,523 297,000 297,999 1,548 1,541 1,627 1,526 298,000 298,999 1,552 1,545 1,631 1,529 299,000 299,999 1,556 1,549 1,635 1,532 300,000 300,999 1,560 1,553 1,639 1,535 Each Additional 1,000 4 4 4 3

FK MH 1.6

10/25/2018 Edition

Standard Program Base Rates

Coverage Amount Territory Min Max A B C D E

1 999 208 230 161 183 206 1,000 1,999 211 234 164 187 210 2,000 2,999 214 238 167 190 213 3,000 3,999 219 243 170 194 217 4,000 4,999 221 248 175 198 220 5,000 5,999 225 253 180 201 224 6,000 6,999 228 257 181 205 228 7,000 7,999 232 261 184 210 233 8,000 8,999 235 268 188 214 238 9,000 9,999 238 274 191 219 242

10,000 10,999 242 278 196 224 247 11,000 11,999 248 284 200 228 254 12,000 12,999 254 291 205 233 261 13,000 13,999 259 296 211 238 270 14,000 14,999 265 301 217 243 276 15,000 15,999 271 307 223 249 284 16,000 16,999 276 314 228 255 293 17,000 17,999 282 317 234 261 300 18,000 18,999 289 326 239 265 308 19,000 19,999 295 333 246 271 317 20,000 20,999 300 340 253 276 325 21,000 21,999 311 344 256 282 330 22,000 22,999 318 350 259 289 336 23,000 23,999 326 356 262 294 340 24,000 24,999 334 361 267 299 348 25,000 25,999 342 365 270 305 352 26,000 26,999 350 370 274 312 361 27,000 27,999 359 373 276 319 367 28,000 28,999 369 379 279 323 373 29,000 29,999 377 384 283 330 381 30,000 30,999 387 388 287 337 388 31,000 31,999 394 392 291 343 394 32,000 32,999 403 396 294 349 402 33,000 33,999 410 402 297 354 409 34,000 34,999 418 408 300 362 415 35,000 35,999 428 413 304 369 422 36,000 36,999 435 418 307 374 429

FK MH 1.6

10/25/2018 Edition



37,000 37,999 444 425 312 383 436 38,000 38,999 453 430 315 389 443 39,000 39,999 462 436 320 395 450 40,000 40,999 472 442 325 399 457 41,000 41,999 480 448 328 403 461 42,000 42,999 487 453 331 408 466 43,000 43,999 496 459 336 412 471 44,000 44,999 504 465 341 415 475 45,000 45,999 511 471 345 418 480 46,000 46,999 522 476 350 422 484 47,000 47,999 529 482 354 427 488 48,000 48,999 537 487 359 429 494 49,000 49,999 545 495 364 432 498 50,000 50,999 553 502 369 436 503 51,000 51,999 558 507 376 442 507 52,000 52,999 567 512 380 448 511 53,000 53,999 574 519 386 453 517 54,000 54,999 581 524 391 459 523 55,000 55,999 590 530 396 465 527 56,000 56,999 598 536 405 471 533 57,000 57,999 605 542 410 476 540 58,000 58,999 614 547 417 482 545 59,000 59,999 621 553 425 487 551 60,000 60,999 629 559 431 494 556 61,000 61,999 638 565 437 501 563 62,000 62,999 646 570 443 507 571 63,000 63,999 655 576 449 514 580 64,000 64,999 662 582 457 522 589 65,000 65,999 671 590 461 527 598 66,000 66,999 680 596 466 537 606 67,000 67,999 690 601 473 543 617 68,000 68,999 698 606 479 551 625 69,000 69,999 708 613 484 559 635 70,000 70,999 716 618 489 567 645 71,000 71,999 727 624 497 575 656 72,000 72,999 735 629 504 582 668 73,000 73,999 748 636 510 591 679

FK MH 1.6

10/25/2018 Edition



74,000 74,999 758 642 518 599 692 75,000 75,999 770 649 524 606 705 76,000 76,999 781 656 531 615 716 77,000 77,999 793 664 540 624 730 78,000 78,999 804 672 548 635 742 79,000 79,999 817 680 558 645 756 80,000 80,999 829 689 567 656 770 81,000 81,999 838 694 576 665 780 82,000 82,999 846 700 585 675 792 83,000 83,999 853 706 595 686 803 84,000 84,999 862 712 603 697 815 85,000 85,999 871 716 613 708 826 86,000 86,999 880 723 620 720 838 87,000 87,999 889 729 629 729 849 88,000 88,999 898 733 639 738 864 89,000 89,999 908 737 648 750 876 90,000 90,999 917 742 657 759 890 91,000 91,999 925 748 667 770 903 92,000 92,999 935 751 675 780 919 93,000 93,999 944 756 685 792 934 94,000 94,999 954 762 694 803 946 95,000 95,999 962 767 704 815 960 96,000 96,999 971 773 713 826 974 97,000 97,999 980 781 724 838 988 98,000 98,999 988 789 734 849 1,002 99,000 99,999 996 798 746 861 1,015

100,000 100,999 1,004 806 757 873 1,029 101,000 101,999 1,012 811 766 885 1,044 102,000 102,999 1,019 820 776 896 1,058 103,000 103,999 1,028 826 785 908 1,070 104,000 104,999 1,036 832 794 919 1,079 105,000 105,999 1,044 840 803 931 1,091 106,000 106,999 1,052 846 811 942 1,101 107,000 107,999 1,060 853 822 956 1,113 108,000 108,999 1,069 861 831 968 1,124 109,000 109,999 1,076 867 843 981 1,136 110,000 110,999 1,085 874 852 991 1,148

FK MH 1.6

10/25/2018 Edition



111,000 111,999 1,094 881 864 1,002 1,159 112,000 112,999 1,104 888 873 1,012 1,170 113,000 113,999 1,113 895 884 1,022 1,182 114,000 114,999 1,122 902 894 1,033 1,193 115,000 115,999 1,131 908 903 1,042 1,205 116,000 116,999 1,141 913 912 1,054 1,217 117,000 117,999 1,150 919 921 1,063 1,230 118,000 118,999 1,159 924 931 1,074 1,243 119,000 119,999 1,168 931 940 1,084 1,255 120,000 120,999 1,177 937 948 1,094 1,267 121,000 121,999 1,185 941 957 1,106 1,279 122,000 122,999 1,191 947 964 1,117 1,288 123,000 123,999 1,197 954 973 1,129 1,299 124,000 124,999 1,205 960 981 1,141 1,309 125,000 125,999 1,211 964 989 1,150 1,320 126,000 126,999 1,218 970 997 1,159 1,330 127,000 127,999 1,225 977 1,005 1,168 1,340 128,000 128,999 1,232 984 1,013 1,177 1,350 129,000 129,999 1,239 992 1,021 1,187 1,360 130,000 130,999 1,245 998 1,029 1,195 1,371 131,000 131,999 1,254 1,004 1,036 1,205 1,382 132,000 132,999 1,262 1,010 1,046 1,214 1,394 133,000 133,999 1,269 1,015 1,054 1,223 1,405 134,000 134,999 1,279 1,021 1,061 1,233 1,417 135,000 135,999 1,286 1,027 1,070 1,244 1,428 136,000 136,999 1,294 1,033 1,077 1,254 1,440 137,000 137,999 1,302 1,038 1,086 1,264 1,451 138,000 138,999 1,310 1,044 1,095 1,275 1,463 139,000 139,999 1,318 1,050 1,105 1,284 1,473 140,000 140,999 1,326 1,055 1,112 1,292 1,484 141,000 141,999 1,334 1,062 1,119 1,302 1,492 142,000 142,999 1,342 1,070 1,126 1,309 1,501 143,000 143,999 1,350 1,076 1,131 1,317 1,511 144,000 144,999 1,358 1,083 1,139 1,325 1,520 145,000 145,999 1,367 1,091 1,146 1,333 1,530 146,000 146,999 1,375 1,097 1,152 1,340 1,538 147,000 147,999 1,382 1,104 1,160 1,348 1,547

FK MH 1.6

10/25/2018 Edition



148,000 148,999 1,391 1,110 1,167 1,357 1,557 149,000 149,999 1,398 1,117 1,173 1,366 1,566 150,000 150,999 1,406 1,124 1,180 1,374 1,575 Each Additional 1,000 7 6 6 7 8

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