DWELLING AND FARM PROPERTIES MANUAL files/FMIC_Agency_Manuals... · american association of insurance services dwelling and farm properties manual west virginia 1986 aais table of

FARMERS MUTUAL INSURANCE COMPANY

DWELLING AND

FARM PROPERTIES

MANUAL

AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA

1986 AAIS

TABLE OF CONTENTS GENERAL RULES •Eligibility •Definitions •Program Description •Policywriting Instructions •Premium Determination •Additional Hazards •Optional Coverages - Dwelling Property •Optional Coverages - Farm Property STATE PAGES •Exceptions •Additional or Special Provisions •Premuim Tables

AMERICAN ASSOCIATION OF INSURANCE SERVICES

DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA

1986 Index — 1 AAIS

INDEX Rules Page

Added Animal Perils ....................................................................................................................................11 Additional Hazards ....................................................................................................................................... 8 Assignment or Transfer ................................................................................................................................. 5 Blanket Form ............................................................................................................................................... 3 Borrowed Machinery and Equipment .............................................................................................................11 Broad Form.................................................................................................................................................. 9 Building or Fire Division................................................................................................................................. 2 Buildings Under Construction......................................................................................................................... 9 Cancellation................................................................................................................................................. 7 Classification Definitions ............................................................................................................................... 2 Coinsurance................................................................................................................................................. 5 Deductibles.................................................................................................................................................10 Definitions Classification.......................................................................................................................................... 2 Construction........................................................................................................................................... 2 Dwelling, Definition ....................................................................................................................................... 2 Earthquake.................................................................................................................................................. 9 Eligibility...................................................................................................................................................... 1 Extended Coverage Dwelling ................................................................................................................................................. 9 Farm.....................................................................................................................................................11 Extension or Renewal ................................................................................................................................... 5 Extra Coverages ........................................................................................................................................... 4 Farm Property Forms.................................................................................................................................... 3 Fire Department Service Charges ..................................................................................................................10 Forms, Basic and Broad ............................................................................................................................... 3 Heating in Farm Buildings ............................................................................................................................. 8 Increased Limits........................................................................................................................................... 9 Insulation, Urethane or Styrene...................................................................................................................... 8 Minimum Policy Amounts ............................................................................................................................. 5 Minimum Premuim ....................................................................................................................................... 5 Mobile Homes .............................................................................................................................................. 7 Mobile Home, Definition ................................................................................................................................ 2 Optional Coverages - Dwelling Property.................................................................................................................................... 9 Farm Property .......................................................................................................................................11 Outdoor Antennas ........................................................................................................................................ 9 Owner-Occupied, Definition ........................................................................................................................... 2 Peak Season Inventories ..............................................................................................................................11

AMERICAN ASSOCIATION OF INSURANCE SERVICES

DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA

1986 Index — 2 AAIS

Personal Property in Other Than Dwellings ..................................................................................................... 7 Policywriting Instructions............................................................................................................................... 5 Premium Determination - Computations ......................................................................................................................................... 6 Interpolation............................................................................................................................................ 7 Rounding................................................................................................................................................ 6 Sharing .................................................................................................................................................. 7 Waiver ................................................................................................................................................... 6 Program Description ..................................................................................................................................... 3 Rate Revisions, Manual................................................................................................................................. 6 Seasonal Properties ..................................................................................................................................... 7 Townhouse or Row House............................................................................................................................. 7 Vacancy or Unoccupancy ............................................................................................................................. 8 Vandalism ................................................................................................................................................... 9 Weight of Ice, Snow or Sleet ........................................................................................................................11

FARMERS MUTUAL INSURANCE COMPANY DWELLING FIRE PROGRAM

UNDERWRITING RULES & AUTHORITIES

1. BINDING AUTHORITY A. You may bind coverage for any risk meeting the underwriting rules outlined in this manual.

However, binding authority cannot exceed the following

Maximum dwelling coverage amount $150,000

Maximum liability amount $300,000

No more than 5 dwellings per policy

If policy is in commercial name: must be written in commercial lines B. Minimum dwelling coverage amount

Broad form $25,000

Basic form $10,000

2. STRUCTURE

A. Foundation

Broad form: Continuous solid foundation

Basic form: Block pier or wood post acceptable

B. Heat

Basic form: Space heat acceptable

Broad form: Floor furnace or circulating heat acceptable up to $60,000 Central heat (thermostatically controlled, vented in every room) required for value in excess of $60,000

C. Occupancy

Basic or Broad form: 1 & 2 family dwellings acceptable

No student housing

D. Electric

Broad form: Breaker box required

Basic form: Fuses acceptable

E. Roof

Basic or Broad form: Shingle, Metal or Rolled roofing

Rev. 7/11 DF-1

F. Plumbing

Basic or Broad form: Plastic or Copper acceptable

G. Dwelling

Dwellings under construction or complete renovation: Must be written at Basic, Seasonal, Frame rates until completed

Hybrid dwellings w/solid foundation: Broad form acceptable

Hybrid dwellings w/pier foundation & skirting: Basic form acceptable (Hybrid dwelling: mobile home with room additions)

Basic form: Seasonal property (no VMM)

3. RISK CRITERIA A. Check with underwriting on risks requiring exceptions B. Mailed applications: completed with signatures, payment & photos of all insured structures

On line applications: All screens completed, payment information & photos (retain signature in your office)

C. When extending liability to other structures photos are required

D. In situations where individuals are co-habiting, all individuals must be shown on the policy as named insured’s

E. Liability & med pay are optional & may be added for an additional premium. GL70 is used

for 5 acres or less. GL71 is used for acreage in excess of 5. An additional charge is made for each separate tract of land. Location of each additional tract is required

F. If liability & med pay are added:

Handrails required on all steps of 4 or more risers In ground pools must be fenced & locked Above ground pools must be enclosed w/railing, gated & locked or lockable gate or property fenced w/lockable gate.

G. Mortgagees: No more than 2 per item

Rev 7/11 DF-2

F. Plumbing

Basic or Broad form: Plastic or Copper acceptable

G. Dwelling

Dwellings under construction or complete renovation: Must be written at Basic, Seasonal, Frame rates until completed

Hybrid dwellings w/solid foundation: Broad form acceptable

Hybrid dwellings w/pier foundation & skirting: Basic form acceptable (Hybrid dwelling: mobile home with room additions)

Basic form: Seasonal property (no VMM)

3. RISK CRITERIA A. Check with underwriting on risks requiring exceptions B. Mailed applications: completed with signatures, payment & photos of all insured structures



D. In situations where individuals are co-habiting, all individuals must be shown on the policy as named insured’s

E. Liability & med pay are optional & may be added for an additional premium. GL70 is used

for 5 acres or less. GL71 is used for acreage in excess of 5. An additional charge is made for each separate tract of land. Location of each additional tract is required

F. If liability & med pay are added:

Handrails required on all steps of 4 or more risers In ground pools must be fenced & locked Above ground pools must be enclosed w/railing, gated & locked or lockable gate or property fenced w/lockable gate.

G. Mortgagees: No more than 2 per item

Rev 7/11 DF-2

4. WOOD STOVE GUIDELINES A. Wood stoves vented into a metal UL approved triple wall or double wall insulated chimney

acceptable

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

C. Wood stoves vented into a chimney located on or within an external wall must be built from

the ground up & have a tile or metal liner D. A completed wood stove questionnaire & photo of stove must accompany application

5. UNACCEPTABLE RISKS OR EXPOSURES

A. Vacant or unoccupied dwellings

B. Wood stoves or kerosene heat as sole source of heat C. Vicious dogs, including any dog that has bitten previously or any risk with the following:

Rottweiler, Pit Bull, Doberman Pinscher, German Shepherd, Chow, Akita or any dog mixed with these.

D. Existence of trampoline, broken steps, missing handrails or unfenced pools E. Applicants who have been canceled, non-renewed or declined by another company in the

last 5 years F. Applicants who have had a total loss or theft claim G. Check with underwriting if applicant has had any losses

H. Wood stoves in mobile homes or their additions

Rev 7/11 DF-3

FARMERS MUTUAL INSURANCE COMPANY DWELLING FIRE MOBILE HOME PROGRAM

UNDERWRITING RULES & AUTHORITIES

1. ELIGIBILITY A. Limit of insurance:

Mobile home age - Current & 3 prior years may be written for the purchase price with a copy of the bill of sale

All others must be written for current NADA value plus additions

Additions: Porches (w/roof) $15 per sq. ft. Decks $10 per sq. ft. Rooms $30 per sq. ft.

B. Maximum coverage limit

$125,000

1979 & older mobile homes $25,000

C. Minimum coverage limit

Broad form $20,000 (not offered on mobile homes 1979 & older)

D. Fireplaces – Factory installed fireplaces acceptable with a 20% surcharge. NO wood burning stoves

E. Liability limit $300,000 maximum

2. RISK CRITERIA

A. Check with underwriting on risks requiring exceptions

B. Mailed applications: completed with signatures, payment & photos of all insured structures



D. In situations where individuals are co-habitating , all individuals must be shown on the policy

as named insured’s

Rev 6/12 DFMH - 1

E. Liability & med pay are optional & may be added for an additional premium. The GL-70 is used for 5 acres or less. The GL-71 is used for acreage in excess of 5. An additional charge is made for each separate tract of land. The location of each additional tract is required.

If liability & med are added: Handrails required on all steps of 4 or more risers In ground pools must be fenced & locked Above ground pools must be enclosed w/railing, gated & locked or lockable gate or property fenced w/lockable gate

F. Mortgages – No more than 2 per item G. No student housing

3. UNACCEPTABLE RISKS OR EXPOSURES

A. Wood stoves or kerosene space heat as any sole or supplemental source of heat B. Vacant or unoccupied mobile homes C. Vicious dogs: including any dog that has bitten previously or any risk with the following:

Rottweiler, Pit Bull, Doberman Pincher, German shepherd, Chow, Akita or any dog mixed with these (If liability is attached to policy)

D. Existence of a trampoline, broken steps, missing handrails or unfenced pools. (If liability is

attached to policy).

E. Applicants who have been canceled, non-renewed or declined by another company in the last 5 years

F. Applicants who have had a total loss or theft claim G. Check with underwriting if applicant has had any losses

Rev 6/12 DFMH - 2

DWELLING FIRE AND FARM PROPERTIES PROGRAM

WEST VIRGINIA

LISTING OF FORMS AND ENDORSEMENTS ED. 1.0

11-13 FMIC

- 1 -

The forms and endorsements approved for use under this program may vary from state to state. This listing identifies the editions of forms and endorsements that apply in this state. An “x”, if shown below, identifies an item that does not apply in most other states. Check the state-specific listing to determine the forms and endorsements approved for use in another state. FORMS Number Edition Eff Date FL-1 1.0 11/01/94 Basic Form FL-2 1.0 11/01/94 Broad Form FL-6 1.0 11/01/94 Farm Coverage FL-20 1.0 11/01/94 Policy Conditions (use only when FL-1 or FL-2 DOES NOT apply) MANDATORY ENDORSEMENTS Number Edition Eff Date CL-300 1.0 12/01/96 Amendatory Endorsement CL 0317 05 05 x 07/06/05 Flood Coverage Notice - West Virginia (Filing not required) FL-410 1.0 03/01/98 Calendar Date or Time Failure Exclusion FL 0440 08 10 04/01/11 Water Exclusion Endorsement FL 0452 05 03 01/01/04 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage FL 0671 05 03 01/01/04 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage FL 0675 10 06 04/01/07 Virus Or Bacteria Exclusion FL 1428 04 08 12/01/08 War And Military Action Exclusion FL 5402 10 12 07/17/13 Amendments to Dwelling Coverage’s including exclusion of Recreational Vehicles FL 5500 09 13 10/17/13 Amended Vandalism or Malicious Mischief and Burglary Damage Exclusions (Controlled Substance Exclusion) ML-101 12-79 x 11/01/94 Required Fire Form CONDITIONAL ENDORSEMENTS - SEE RULES Number Edition Eff Date CL 0334 10 07 x 06/01/08 Coal Mine Subsidence Coverage Part Non-Dwelling Structure - West Virginia CL 0335 10 07 x 06/01/08 Coal Mine Subsidence Coverage Part Dwelling Structure - West Virginia OTHER ENDORSEMENTS Number Edition Eff Date FL-12 1.0 11/01/94 Earthquake FL-14 2.0 11/01/94 Insurance By More Than One Company FL-15 1.0 11/01/94 Coverage C - Higher Limit of Liability on Certain Property FL-25 1.0 07/01/93 Consent to Move Mobile Home FL-26 1.0 07/01/93 Collision or Upset Coverage FL-27 1.0 07/01/93 Additional Secured Party’s Interest FL-41 1.0 07/01/93 Additional Interest FL-60 1.0 07/01/93 Debris Removal

DWELLING FIRE AND FARM PROPERTIES PROGRAM

WEST VIRGINIA

LISTING OF FORMS AND ENDORSEMENTS ED. 1.0

11-13 FMIC

- 2 -

OTHER ENDORSEMENTS Number Edition Eff Date FL-257 2.0 11/01/94 Ordinance or Law FL-304 1.0 11/01/94 Restriction of Individual Policies FL-330 1.0 11/01/94 Fire Department Service Charge - Higher Limits FL-340 1.0 11/01/94 Theft Exclusion FL-403 1.0 11/01/94 Lender's Loss Payable Clause FO-323 1.0 11/01/94 Weight of Ice, Snow, or Sleet FO-356 1.0 11/01/94 Added Animal Perils The notice(s) referenced above must be distributed to policyholders and/or applicants. Other notices may be required. Check state insurance law.

AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES RULES WEST VIRGINIA

05/2001 Rules - 2 AAIS

RULE 2 DEFINITIONS 2.1 Classifications 2.1.1 Dwelling - A building constructed and used for residential purposes and designed for

occupancy by not more that two families. 2.1.2 Mobile Home - A portable unit, not self-propelled, constructed and used for residential

purposes and designed for occupancy by one or two families. 2.1.3 Owner-Occupied - Occupied in whole or in part for residential purposes by the insured who

owns the property, is a contract purchaser or is an occupant under life tenancy. 2.2 Construction 2.2.1 Building or Fire Division - That part or section of an enclosed structure separated from

other parts or sections by space or by masonry walls at least eight inches thick through or to the underside of the roof. Any openings through such masonry walls must be protected by fire doors approved for installation on fire walls.

2.2.2 Frame - A dwelling with exterior walls constructed of combustible materials, such as wood,

or constructed of incombustible materials on combustible supports. 2.2.3 Masonry - A dwelling with exterior walls constructed of brick, concrete block, concrete, tile

or other masonry materials or constructed of incombustible materials on incombustible supports.

Dwellings of mixed frame and masonry construction shall be classed as frame for rating

purposes if walls of frame construction exceed 33 1/3 percent of the total exterior wall area. 2.2.4 Masonry Veneered - A dwelling with exterior walls constructed of combustible material

covered with masonry. Dwellings of masonry veneered construction shall be classed as masonry for rating purposes.


1986 Rules - 3 AAIS

RULE 3 PROGRAM DESCRIPTION The rates, rules, classifications and other provisions in this manual are intended to apply in conjuction with policy form FL-20 and Perils Section form. The Perils Section form is to be selected and attached to every policy to provide coverage on a residence, related private structures and/or personal property outlined as follows: 3.1 Dwelling and Household Personal Property 3.1.1 Basic Form - Perils Section Form FL-1 Covers perils of Fire, Lightning and Explosion. Optionally covers extended coverage perils of: Windstorm or Hail Vehicles Riot or Civil Commotion Smoke Damage Aircraft Optionally covers peril of Vandalism. 3.1.2 Broad Form - Perils Section Form FL-2 Covers all perils in the Basic Form plus: Glass Breakage Accidental Tearing Apart of Heating or Burlary Damage Air Conditioning System Falling Objects Accidental Discharge of Water or Steam Weight of Ice, Snow or Sleet Freezing of Plumbing or Heating System Collapse of Building Accidental Electrical Damage 3.2 Farm Buildings, Structures and Farm Personal Property 3.2.1 Farm Property Form FL-6 Covers perils of Fire, Lightning and Explosion. Optionally covers extended coverage perils of: Windstorm or Hail Smoke Riot or Civil Commotion Electrocution of Livestock Aircraft Collision Vehicles Optionally covers peril of Vandalism. 3.2.2 Farm Property Form FL-6A Covers perils of Fire, Lightning and Explosion. Optionally covers extended coverage perils of: Windstorm or Hail Smoke Riot or Civil Commotion Theft of Livestock and Machinery Aircraft Collision Vehicles Electrocution of Livestock Optionally covers peril of Vandalism 3.3 Extra Coverages


1986 Rules - 4 AAIS

Any coverages not otherwise provided for in this manual may be written in accordance with the rates, rules, forms and endorsements filed by or on behalf of the company.

AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES RULES

WEST VIRGINIA

RULE 4 POLICYWRITING INSTRUCTIONS

4.1 Assignment or Transfer

With the permission of the company and subject to appropriate adjustment of premium, A dwelling policy may be endorsed to change the named insured when the ownership changes or to transfer the coverage to another location in the same state. Use Change Endorsement FL-45.

4.2 Coinsurance

A coinsurance clause is not required in any policy written under the provisions of this manual.

4.3 Extension or Renewal

A dwelling policy may be extended or renewed for successive terms or policy periods. Refer to the company for appropriate instructions, endorsements and forms.

Minimum Policy Amounts

Dwelling Fire $5,000 Broad Form

$20,000 Dwelling Fire Contents 5,000 6,000 Mobile Home 2,000 10,000 Mobile Home Contents 2,000 6,000 20+ Mobile Homes 2,000 --------- 20+ Mobile Home Contents 2,000 ----------

Minimum Premium

4.5

A premium of at least $40 shall be charged for any policy or for any annual installment.

4.6 Restriction of Individual Policies

If a policy would not be issued because of unusual exposures, the named insured may request a restriction of the policy at no reduction in the premium. When the company grants such a request and the policy is so restricted, the Restriction of Individual Policies Endorsement ML-304 must be attached specifying the policy restriction(s) made and bearing the signature of the named insured.

4.4

4-04 Rules – 5 AAIS


1986 Rules - 6 AAIS

RULE 5 PREMIUM DETERMINATION 5.1 Computations

Each policy premium shown shall be rounded to the nearest dollar with $.50 or more rounded to the next higher dollar. Return premium computations should be rounded in the same manner. Additional or return premiums resulting from mid-term policy changes other than cancellations shall be determined on a pro rata basis. Premiums for increased amounts of insurance or added coverages shall be premiums in effect as of the date of change. Manual rate reductions may be applied only at the next policy anniversary date, except that premiums for policies effective within 45 days prior to the effective date of reduction may be adjusted pro rata. Premiums in effect at policy inception shall be used, except that policies written 45 days or less prior to the effective date of a manual increase may continue at previous rates. Additional or return premiums of $2 or less may be waived, except a return premium shall be made if requested by the insured.

5.2 Dwellings Determine premiums for applicable coverages and amount of insurance using rates and premiums specified in the State Rate Pages. Apply modifications and adjustments as directed. 5.3 Farm Buildings and Structures Determine premiums for applicable coverages and amount of insurance for each building or structure for which different rates are specified in the State Rate Pages. Apply modifications and adjustments as directed. 5.4 Farm Personal Property Determine premiums for applicable coverages and amount of insurance for each type of property for

which different rates are specified in the State Rate Pages. Apply modifications and adjustments as directed.

5.5 Interpolation To determine the premium for an amount of insurance between two amounts shown in the premium

tables, add the pro rata premium for the difference between the nearest amounts shown to the premium for the lower amount.

5.6 Cancellation When the cancellation is initiated by the company or occurs after the first year of policy term, the

return premium shall be calculated on a pro rata bases. When cancellation is at the insured's request and is during the first year of policy term, the return

premium shall be .90 of the pro rata unearned premium for the first year plus all prepaid premium for subsequent years, subject to a minimum retained premium of $12.


1986 Rules - 7 AAIS

5.7 Personal Property (Coverage C) in Buildings Other Than 1-4 Family Dwellings, Related Private Structures and Mobile Homes Fire premiums as specified in the State Rate Pages section for five or more families shall be used. If the building contains apartments only and is of fire resistive construction, use .8 times the premiums specified for five or more families in masonry buildings. If the building contains a business occupancy (building specifically rated or class rated), use 1.5 times the premiums for masonry construction, except if the building is frame construction, use 1.5 times the premiums for frame. 5.8 Mobile Homes A dwelling policy may be issued to cover a mobile home permanently situated at a fixed location.

Determine premiums as specified in the State Rate Pages section. 5.9 Seasonal Properties Premiums for seasonal properties shall be determined as specified in the State Rate Pages section.

A dwelling normally unoccupied for three or more consecutive months a year is considered a seasonal dwelling.

5.10 Townhouse or Row House Premiums for townhouses or row houses containing not more than four families in one building or fire

division should be determined by the number of families in the building or fire division. If over four families, rates and rules for commercial buildings apply for coverage on the building.


1986 Rules - 8 AAIS

RULE 6 ADDITIONAL HAZARDS When any of the following conditions exist, the fire premium should be increased by the percentage indicated. The risk must be submitted to the company for review of the charges prior to policy issuance.

PREMIUM INCREASE

a. Heat Producing Equipment

The dwelling does not have central heating equipment, or unsafe arrangement of or 30% clearance from furnaces, stoves, ovens, ranges, chimneys, stovepipes, gas vents or similar heating equipment. Apply premium increases or reductions for heating equipment features in barns and outbuildings as directed in the State Rate Pages.

b. Electrical Equipment

Unsafe or inadequate wiring, circuits, outlets, overloading, overfusing, non-standard 20% extensions or other non-standard electrical equipment.

c. Maintenance and Housekeeping Property not in good repair; wood surfaces in need of paint; deteriorating roof, 30% porches, chimneys or other indications of neglect. Accumulation of refuse or litter in the building or yard.

d. Construction

Subdivision or conversion of original spaces into additional units with overcrowding. 20% Inferior or non-professional construction.

e. Exposure

Buildings in rows or congested configuration. Adjoining properties vacant, 20% abandoned, fire gutted or otherwise unusually hazardous.

f. Vacancy or Unoccupancy

Dwelling is vacant or unoccupied and is expected to remain so for an extended period 40% of time.

g. Exposed Insulation

Exposed urethane or styrene insulation installed in any building. 100%


1986 Rules - 9 AAIS

RULE 7 OPTIONAL COVERAGE - DWELLING PROPERTY 7.1 Broad Form Coverage for Broad Form perils, as described in Rule 3 - Program Description, may be written by

attaching Perils Section Form FL-2 and charging premiums as directed in the State Rate Pages section.

7.2 Earthquake Loss by earthquake may be included in policies covering fire and extended coverage by attaching

Earthquake Endorsement FL-12. The premium shall be determined by the amount of insurance on each item and the rates specified in

the State Rate Pages section. 7.3 Extended Coverage

The Extended Coverage perils may be included by charging premiums determined from the Extended Coverage Premium Tables.

7.4 Vandalism Coverage may be included by charging premiums determined from the Vandalism Premium Tables. 7.5 Increased Limits

Special limits of liability are specified for certain types of property in Form FL-20. The limits for the types of property listed below may be increased by attaching Endorsement FL-15 and charging a premium determined by applying the rate shown.

ANNUAL RATE PER

$100 INCREASE a. Outdoor antennas, including their lead-in wiring, accessories, masts and towers. $2.00 b. Money, bank notes, bullion, gold other than goldware, silver other than silverware, 2.50

platinum, coins, medals and numismatic property.

c. Securities, commercial paper, stamps, philatelic property, tickets, accounts, deeds,, 1.50 evidence of debt, passports, manuscripts, unpublished works and other valuable papers.

d. Jewelry, watches, precious and semiprecious stones, gems and furs, but not 1.00

exceeding $500 for any one article. e. Silverware, goldware, pewterware and items plated with gold or silver. .50 f. Motorized vehicles used to service the insured premises and not designed or .50 licensed for use on public roads.

AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING & FARM PROPERTIES MANUAL WV

7.6 Buildings under Construction

Dwellings & related private structures under construction may be insured by using the regular forms & charging the applicable seasonal premium

7.7 Deductibles The forms used in conjunction with the premiums shown in this manual contemplate a $500 all

perils loss deductible clause applying per occurrence. An increased deductible clause may be substituted by making appropriate entry on the declarations & reducing the $500 deductible premium as follows: DEDUCTIBLE FIRE EC, VMM & BROAD FORM $1,000 5% 22% $2,500 10% 34% $5,000 15% 38%

7.8 Fire Dept Service Charge

Coverage for fire dept service charges may be provided. Insure for a specific amount as a separate item.

ENDORSEMENT FL-13 $25 per $1,000 of insurance

Rev 11/11 Rules-10 AAIS


1986 Rules - 11 AAIS

RULE 8 OPTIONAL COVERAGES - FARM PROPERTY 8.1 Added Animal Perils When livestock coverage is provided by the policy, the perils insured against may be extended to

include death of farm animals by accidental shooting, drowning, attack by dogs or wild animails and collapse of building. The additional premium shall be calculated by applying the following annual rates to the total amount of livestock insurance written.

Excluding sheep $ 2.50 per $1,000 Sheep $11.00 per $1,000 Attach Endorsement ML-356 8.2 Extended Coverage

The Extended Coverage perils may be included by charging premiums determined from the Extended Coverage Premium Tables.

8.3 Vandalism Coverage may be included by charging premiums determined from the Vandalism Premium Tables. 8.4 Buildings Under Construction Farm buildings and structures under construction may be insured by using the regular forms and charging the applicable not owner-occupied premiums. 8.5 Farm Personal Property - Peak Season Inventories The policy may be written to provide increased amounts of coverage for farm personal property for

specific 30-day periods. The specific period of peak season coverage may not extend beyond the expiration date of the policy. The additional premium shall be determined by pro rating, on the basis of time, using the Coverage E rates in the State Rate Pages. Attach Endorsement ML-352.

8.6 Fire Department Service Charges Coverage for fire department service charges may be provided by insuring for a specific amount as a separate item. The annual rate shall be $25 per $1,000 insurance. Attach Endorsement FL-13. 8.7 Borrowed, Rented or Leased Farm Machinery, Vehicles and Equipment The policy may be extended to provide coverage on borrowed, rented or leased farm machinery,

vehicles and equipment for loss by the perils insured against. The additional premium shall be calculated by applying the rates for machinery in the State Rate Pages to the amount of insurance written. Attach Endorsement ML-325.

8.8 Weight of Ice, Snow or Sleet Coverage The perils insured against under the policy may be extended to include loss by weight of ice, snow or

sleet to all property insured under Coverage E - Farm Personal Property and Coverage F - Farm Barns, Buildings and Structures. At the option of the company, this coverage may be written on just specific items of Coverage E or F. The additional premium shall be calculated at $1.50 annually per $1,000 of the amount of insurance applicable to the specific items of Coverage E or F.

Attach Endorsement ML-323.


DWELLING AND FARM PROPERTIES MANUAL

Rev 1/03 WV-1 AAIS

West Virginia GENERAL RULES EXCEPTIONS None ADDITIONAL OR SPECIAL STATE PROVISIONS The following endorsements must be attached to policies covering Dwelling Properties located in West

Virginia: ML-101 Required Fire Form ML-126 West Virginia Loss Payment Endorsement FL-250 Amendatory Endorsement The following endorsements must be attached to policies covering Farm Properties located in West Virginia: ML-101 Required Fire Form FL-250 Amendatory Endorsement MINE SUBSIDENCE INSURANCE Refer to the Manual Supplement for information regarding Coal Mine Subsidence Insurance. MOBILE-HOMES To determine the seasonal fire premium, use the rate chart in this manual. To determine the seasonal EC

premium, use the dwelling EC rates plus 20%. The seasonal V&MM rate also applies. To determine the seasonal fire premium for the 20+ program, use the rate chart plus 40%. To determine the

EC premium, use the dwelling EC rates plus 20%. The season V&MM rate also applies. The 20+ program has a minimum $500 deductible.



1986 WV-2 AAIS

West Virginia DEFINITIONS APPLICABLE TO COVERAGES E AND F Barns, Outbuildings and Other Structures (excluding Silos): Type 1 a. Building must be in good physical condition, and so certified by the agent after careful inspection. b. Not over one story high. c. Foundation under all exterior walls must be continuous and of mortared masonry or concrete

construction. Buildings framed on poles of minimum six inch diameter at ground line, set a minimum of four feet below ground level may be considered as satisfying this requirement when the poles have been pressure treated with wood preservative.

d. Building must be fully enclosed with no open sheds attached. e. No hay storage. f. No exposed urethane or styrene insulation. g. Building must be fully utilized in the farming operation. . h. Type 1 buildings written for less than $2,000 shall be classified as Type 3. Type 2 a. Building must be in good physical condition, and so certified by the agent after careful inspection. b. Foundation under all exterior walls must be continuous and of mortared masonry or concrete

construction. Buildings framed on poles of minimum six inch diameter at ground line, set a minimum of four feet below ground level may be considered as satisfying this requirement when the poles have been pressure treated with wood preservative.

c. No exposed urethane or styrene insulation. d. Building must be fully utilized in the farming operation. . e. Type 2 buildings written for less than $2,000 shall be classified as Type 3. Type 3 All other building not eligible for Type 1 or Type 2 classification. The following must be classified as Type 3: Buildings occupied or constructed for crop drying, grain grinding,

seed grain drying, alfalfa or hay chopping, private greenhouses and portable buildings and structures. The premium for portable buildings and structures is determined by total coverage on all such buildings and not individually by building or structure. The premium for private power and light poles and wiring is determined by total coverage on all such property.

Silos Type 1 All silos except those of frame or frame metal clad construction. Minimum amount $5,000. Type 2 Silos not qualifying for Type 1 except those of frame or frame metal clad construction. Minimum amount $1,000. Type 3 Frame including frame metal clad.



1986 WV-3 AAIS

West Virginia FARM BARNS AND OUTBUILDINGS - HEATING Charges apply to buildings and contents. a. Gas or Electric: for gas or electric brooders and heating stoves or gas or portable electric heating devices of any description (other than electric light or heat bulbs). b. Other: Wood, coal or oil burning brooders or heating stoves. Charges for the above are not cumulative. If more than one charge is applicable the higher charge will be used. NOTE: No charge if building is unheated or if heated by permanently installed warm air furnace, hot water or

steam heating plant set on an incombustible base and venting to standard chimney built from the ground and with no other type of heating device in the building.

Charge per $1,000 insurance Gas or Electric $1.00 Other 2.00

FARMERS MUTUAL INSURANCE COMPANY DWELLING & FARM PROPERTIES MANUAL

ANNUAL PREMIUMS PER $1,000 OF INSURANCE

EXTENDED

FIRE COVERAGE THEFT Radio & TV Equipment (Outdoor) $10.50 $10.50 Windmills & Wind Chargers 21.00 37.80 Private Power & Light Poles 7.35 10.50 Livestock 5.78 1.58 $1.05 Farm Personal Property 3.68 1.58 1.05 Hay in building 6.30 3.15 Hay in open 5.25 6.30 Outbuilding Related to Dwelling properties & Their contents, including Private garages 5.25 3.15 Outbuildings related to Farm properties (Other than barns) 6.30 4.20 Barns: Type 1 (min. $2,000) 4.20 3.15 Type 2 (min. $2,000) 6.30 4.20 Type 3 (including portable Buildings) 7.35 5.25 Silos: Type 1 (min. $5,000) 4.73 2.63 Type 2 (min. $1,000) 5.25 5.25 Type 3 10.50 10.50 VANDALISM PREMIUMS All farm property listed above $0.21 FARM PERSONAL PROPERTY, LIVESTOCK & HAY REQUIRE A WRITTEN SCHEDULE Rev 11/11 WV-4 AAIS



WEST VIRGINIA

10/2001 TD - 1

TERRITORIAL DEFINITIONS

Territory 1. Territory 1: Boone, Braxton, Berkeley, Calhoun, Doddridge, Grant,

Greenbrier, Hampshire, Hardy, Jackson, Jefferson, Lewis, Marion, Mineral, Monongalia, Morgan, Pendleton, Pleasants, Pocahontas, Preston, Randolph, Ritchie, Tucker, Taylor, Upshur, Wirt, and Wood Counties.

2. Territory 2: Brooke, Barbour, Clay, Gilmer, Hancock, Harrison,

Marshall, Mason, Monroe, Ohio, Putnam, Raleigh, Roane, Tyler, and Wetzel Counties.

3. Territory 3: Cabell, Fayette, Nicholas, Kanawha, Summers, and

Webster Counties. 4. Territory 4: Lincoln, Logan, McDowell, Mercer, Mingo, Wayne, and

Wyoming Counties.

PROTECTION CLASS PROCEDURES CLASS

1. The protection class established throughout a specified area................................................................................................................1-7 2. (a) Five (5) miles or less with a hydrant within 1,000 feet................................................................................................8 (b) Five (5) miles or less with a hydrant more than 1,000 feet................................................................................................9 (c) Over five (5) miles ..................................................................................10

Coverage Amount Masonry

Farmer Mutual Insurance Company Dwelling Fire Rates

OWNER 1Territory

Frame

Protection Class 1 - 7

MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 3 2 3 2 5 3 5 3Add'l

1,000 3 2 4 3 4 2 3 2Add'l

5,000 24 19 25 19 110 91 140 122

6,000 29 21 30 22 117 93 147 124

7,000 38 23 39 25 124 97 154 128

8,000 43 25 44 28 131 100 162 134

9,000 48 27 49 32 139 103 169 137

10,000 54 29 56 38 146 106 176 140

11,000 59 32 60 41 153 110 184 142

12,000 63 36 64 44 161 112 191 146

13,000 66 39 68 47 168 116 198 148

14,000 69 41 74 50 172 118 205 152

15,000 72 43 80 54 180 122 213 155

20,000 79 48 98 62 204 137 244 174

25,000 86 54 105 67 228 151 273 192

30,000 91 62 111 72 252 166 305 211

35,000 97 67 117 79 265 180 334 228

40,000 103 72 129 86 290 194 365 247

45,000 110 79 141 91 314 210 395 265

50,000 116 86 153 97 338 224 425 284

55,000 128 91 166 106 369 238 457 301

60,000 140 97 177 114 398 252 486 320

65,000 152 103 190 123 431 268 516 338

70,000 164 110 202 131 460 282 548 356

75,000 176 116 214 140 489 296 578 374

80,000 189 122 226 148 520 311 608 393

85,000 201 128 238 156 551 326 638 412

90,000 213 134 250 166 581 340 669 431

95,000 225 140 263 174 611 355 699 446

100,000 237 146 274 183 642 370 730 465

01/01/2005Revised



SEASON 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 4 2 4 2 6 3 6 3Add'l

1,000 4 2 4 2 6 3 6 3Add'l

5,000 28 22 29 22 131 110 168 146

6,000 38 24 39 26 140 112 176 148

7,000 44 27 45 29 148 117 185 153

8,000 50 29 51 36 159 119 194 161

9,000 59 34 60 40 167 124 203 163

10,000 66 38 67 44 175 126 212 168

11,000 70 40 71 48 184 131 221 170

12,000 74 43 75 51 192 134 228 175

13,000 79 45 82 57 202 139 238 177

14,000 83 48 89 62 207 141 247 183

15,000 88 50 96 66 216 146 256 188

20,000 95 59 118 72 246 163 292 210

25,000 102 66 125 80 274 181 329 232

30,000 110 72 132 88 305 198 365 252

35,000 117 80 140 95 318 216 401 274

40,000 124 88 154 102 348 234 438 296

45,000 131 95 169 110 377 250 476 318

50,000 139 102 184 117 406 269 510 340

55,000 153 110 198 126 442 286 548 362

60,000 168 117 213 138 480 305 583 384

65,000 183 124 227 147 515 321 621 406

70,000 197 131 242 159 552 338 656 428

75,000 212 139 257 168 588 356 693 449

80,000 226 146 271 177 625 373 730 470

85,000 240 153 286 189 662 392 767 492

90,000 256 161 300 198 698 410 802 515

95,000 270 168 315 210 734 425 839 537

100,000 285 175 330 218 771 443 876 559

01/01/2005Revised



TENANT 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 3 2 3 2 5 3 5 3Add'l

1,000 4 3 4 4 4 2 5 3Add'l

5,000 26 21 27 21 120 101 154 134

6,000 34 23 36 24 129 103 162 137

7,000 41 25 42 27 137 107 170 141

8,000 47 27 48 30 145 110 177 147

9,000 53 29 54 38 152 114 186 149

10,000 62 34 63 41 161 117 194 154

11,000 65 38 66 44 169 120 202 156

12,000 68 40 69 48 176 123 211 161

13,000 71 42 75 51 185 128 217 163

14,000 76 44 82 56 190 130 226 168

15,000 80 47 89 62 198 134 235 171

20,000 88 53 108 67 225 149 268 191

25,000 93 62 116 74 251 166 301 212

30,000 101 67 122 80 278 183 334 232

35,000 107 74 129 88 292 198 369 251

40,000 114 80 142 93 318 214 401 271

45,000 120 88 155 101 345 229 436 292

50,000 128 93 169 107 372 246 467 311

55,000 141 101 183 117 405 263 503 332

60,000 154 107 195 125 439 278 534 351

65,000 168 114 210 135 470 294 569 372

70,000 181 120 223 145 506 310 602 392

75,000 194 128 236 154 538 326 635 413

80,000 208 134 249 163 573 343 669 433

85,000 222 141 263 172 605 359 702 454

90,000 235 147 276 183 639 374 735 470

95,000 248 154 290 191 673 391 770 491

100,000 261 161 302 201 707 406 802 511

01/01/2005Revised



OWNER 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

20+MOHO

2,000 0 0 0 0 0 0 196 0

3,000 0 0 0 0 0 0 208 0

4,000 0 0 0 0 0 0 218 0

5,000 0 0 0 0 0 0 231 0

6,000 0 0 0 0 0 0 242 0

7,000 0 0 0 0 0 0 255 0

8,000 0 0 0 0 0 0 265 0

9,000 0 0 0 0 0 0 278 0

10,000 0 0 0 0 0 0 289 0

11,000 0 0 0 0 0 0 302 0

12,000 0 0 0 0 0 0 313 0

13,000 0 0 0 0 0 0 327 0

14,000 0 0 0 0 0 0 337 0

15,000 0 0 0 0 0 0 351 0

20,000 0 0 0 0 0 0 400 0

25,000 0 0 0 0 0 0 449 0

01/01/2005Revised



TENANT 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

20+MOHO

2,000 0 0 0 0 0 0 212 0

3,000 0 0 0 0 0 0 224 0

4,000 0 0 0 0 0 0 234 0

5,000 0 0 0 0 0 0 248 0

6,000 0 0 0 0 0 0 260 0

7,000 0 0 0 0 0 0 273 0

8,000 0 0 0 0 0 0 288 0

9,000 0 0 0 0 0 0 300 0

10,000 0 0 0 0 0 0 313 0

11,000 0 0 0 0 0 0 327 0

12,000 0 0 0 0 0 0 338 0

13,000 0 0 0 0 0 0 352 0

14,000 0 0 0 0 0 0 364 0

15,000 0 0 0 0 0 0 377 0

20,000 0 0 0 0 0 0 432 0

25,000 0 0 0 0 0 0 485 0

01/01/2005Revised



OWNTEN 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

Contents

1,000 2 2 3 3 7 4 6 6Add'l

1,000 2 2 3 3 7 4 6 6Add'l

1,000 2 2 3 3 7 4 6 6Add'l

5,000 14 9 19 16 50 26 57 29

6,000 16 15 22 19 57 29 65 38

7,000 18 17 25 22 65 36 71 43

8,000 20 19 28 25 71 41 80 48

9,000 22 21 32 28 79 45 88 54

10,000 24 23 38 32 87 49 95 62

11,000 26 25 41 38 93 54 103 67

12,000 28 27 44 41 100 59 111 72

13,000 30 29 47 44 107 64 118 79

14,000 34 32 50 47 114 68 126 86

15,000 38 36 54 50 122 72 134 91

16,000 40 39 59 54 129 78 141 97

17,000 42 41 63 59 137 83 149 103

18,000 44 43 66 63 144 88 156 110

19,000 46 45 69 66 149 91 164 116

20,000 48 47 72 69 156 96 172 122

21,000 50 49 76 72 164 101 180 128

22,000 53 51 80 76 171 106 188 134

23,000 56 54 84 80 179 111 195 140

24,000 59 57 88 84 186 116 203 146

25,000 62 60 91 88 192 119 211 152

26,000 64 63 95 91 200 124 218 159

27,000 66 65 98 95 207 129 226 164

28,000 68 67 102 98 214 134 234 170

29,000 70 69 106 102 222 139 242 176

30,000 72 71 110 106 228 144 249 183

31,000 75 74 113 110 235 147 257 189

32,000 78 76 117 113 242 152 265 194

33,000 80 79 120 117 249 156 272 201

34,000 83 82 124 120 257 162 280 207

35,000 86 84 128 124 264 167 288 213

36,000 88 87 131 128 271 171 295 218

37,000 90 89 135 131 277 175 302 225

38,000 92 91 139 135 285 180 311 232

39,000 95 93 142 139 292 185 318 237

40,000 97 96 146 142 299 190 326 244

41,000 100 98 149 146 307 194 334 249

42,000 102 101 153 149 314 200 342 256

43,000 105 103 156 153 320 203 349 261

44,000 107 106 161 156 327 208 357 268

45,000 110 108 164 161 334 213 365 273

46,000 112 111 168 164 340 217 374 280

47,000 114 113 171 168 347 223 386 286

48,000 117 116 175 171 353 228 395 292

01/01/2005Revised



OWNTEN 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

Contents

49,000 119 118 179 175 359 234 405 298

50,000 122 120 183 179 365 238 416 305

55,000 134 132 201 197 395 264 465 334

60,000 146 145 218 215 425 290 516 365

65,000 159 156 237 234 457 314 568 395

70,000 170 169 256 251 486 339 617 425

75,000 183 181 273 270 516 365 669 457

80,000 194 193 292 288 559 390 705 491

85,000 207 205 310 307 602 414 742 529

90,000 218 217 329 324 645 438 778 565

95,000 232 229 347 343 687 462 815 602

100,000 244 242 365 361 730 486 852 638

01/01/2005Revised



OWNER 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 6 0Add'l

2,000 0 0 0 0 0 0 163 0

3,000 0 0 0 0 0 0 174 0

4,000 0 0 0 0 0 0 183 0

5,000 0 0 0 0 0 0 192 0

6,000 0 0 0 0 0 0 202 0

7,000 0 0 0 0 0 0 211 0

8,000 0 0 0 0 0 0 221 0

9,000 0 0 0 0 0 0 232 0

10,000 0 0 0 0 0 0 242 0

11,000 0 0 0 0 0 0 251 0

12,000 0 0 0 0 0 0 260 0

13,000 0 0 0 0 0 0 272 0

14,000 0 0 0 0 0 0 281 0

15,000 0 0 0 0 0 0 292 0

20,000 0 0 0 0 0 0 333 0

25,000 0 0 0 0 0 0 375 0

30,000 0 0 0 0 0 0 417 0

35,000 0 0 0 0 0 0 458 0

40,000 0 0 0 0 0 0 500 0

45,000 0 0 0 0 0 0 540 0

50,000 0 0 0 0 0 0 583 0

01/01/2005Revised



SEASON 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 7 0Add'l

2,000 0 0 0 0 0 0 183 0

3,000 0 0 0 0 0 0 193 0

4,000 0 0 0 0 0 0 204 0

5,000 0 0 0 0 0 0 214 0

6,000 0 0 0 0 0 0 225 0

7,000 0 0 0 0 0 0 236 0

8,000 0 0 0 0 0 0 248 0

9,000 0 0 0 0 0 0 259 0

10,000 0 0 0 0 0 0 271 0

11,000 0 0 0 0 0 0 281 0

12,000 0 0 0 0 0 0 293 0

13,000 0 0 0 0 0 0 303 0

14,000 0 0 0 0 0 0 315 0

15,000 0 0 0 0 0 0 327 0

20,000 0 0 0 0 0 0 373 0

25,000 0 0 0 0 0 0 420 0

30,000 0 0 0 0 0 0 466 0

35,000 0 0 0 0 0 0 512 0

40,000 0 0 0 0 0 0 559 0

45,000 0 0 0 0 0 0 606 0

50,000 0 0 0 0 0 0 653 0

01/01/2005Revised



TENANT 1Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 7 0Add'l

2,000 0 0 0 0 0 0 177 0

3,000 0 0 0 0 0 0 186 0

4,000 0 0 0 0 0 0 195 0

5,000 0 0 0 0 0 0 207 0

6,000 0 0 0 0 0 0 217 0

7,000 0 0 0 0 0 0 228 0

8,000 0 0 0 0 0 0 239 0

9,000 0 0 0 0 0 0 250 0

10,000 0 0 0 0 0 0 260 0

11,000 0 0 0 0 0 0 272 0

12,000 0 0 0 0 0 0 282 0

13,000 0 0 0 0 0 0 293 0

14,000 0 0 0 0 0 0 303 0

15,000 0 0 0 0 0 0 314 0

20,000 0 0 0 0 0 0 360 0

25,000 0 0 0 0 0 0 404 0

30,000 0 0 0 0 0 0 450 0

35,000 0 0 0 0 0 0 496 0

40,000 0 0 0 0 0 0 539 0

45,000 0 0 0 0 0 0 585 0

50,000 0 0 0 0 0 0 630 0

01/01/2005Revised



OWNER 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 4 2 4 2 6 3 6 3Add'l

1,000 4 2 4 2 8 3 8 3Add'l

5,000 26 21 27 21 120 101 153 134

6,000 34 23 35 24 128 103 162 137

7,000 41 25 42 27 137 106 170 141

8,000 47 27 48 32 145 110 176 147

9,000 54 30 55 37 151 114 186 149

10,000 61 34 62 41 161 117 194 153

11,000 65 37 66 44 169 120 201 156

12,000 68 39 69 48 175 123 210 161

13,000 71 42 76 53 185 127 217 163

14,000 77 44 81 56 189 129 226 168

15,000 80 47 89 61 197 134 234 171

20,000 88 54 107 67 224 149 267 191

25,000 93 61 116 74 251 165 300 211

30,000 101 67 122 80 277 183 334 231

35,000 106 74 128 88 291 197 368 251

40,000 114 80 142 93 318 214 401 270

45,000 120 88 154 101 344 229 435 291

50,000 127 93 169 106 371 245 466 311

55,000 141 101 183 117 404 263 501 332

60,000 153 106 195 125 438 277 533 350

65,000 168 114 209 135 470 293 567 371

70,000 181 120 222 145 505 310 601 391

75,000 194 127 235 153 538 324 634 412

80,000 208 134 249 163 572 342 668 431

85,000 221 141 263 172 604 358 701 452

90,000 234 147 275 183 637 373 734 470

95,000 247 153 289 191 671 390 769 491

100,000 261 161 301 200 705 405 800 510

01/01/2005Revised



SEASON 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 5 3 5 3 7 4 7 4Add'l

1,000 4 2 4 2 8 3 8 3Add'l

5,000 32 24 34 24 145 120 185 161

6,000 41 26 42 29 153 123 194 163

7,000 48 30 49 34 163 128 203 169

8,000 56 34 57 39 173 130 214 175

9,000 65 38 66 43 184 137 223 177

10,000 71 41 74 48 192 139 232 185

11,000 78 43 79 54 201 145 242 187

12,000 81 47 82 57 211 147 251 192

13,000 88 49 90 64 222 151 263 195

14,000 91 54 97 67 227 154 270 200

15,000 96 56 105 71 238 161 280 205

20,000 104 65 129 80 269 177 320 229

25,000 112 71 138 89 301 198 360 253

30,000 120 80 146 96 334 217 401 277

35,000 128 89 153 104 349 238 440 301

40,000 137 96 170 112 382 256 481 324

45,000 145 104 186 120 414 275 520 349

50,000 151 112 201 128 445 295 561 373

55,000 169 120 217 139 485 314 601 397

60,000 185 128 234 150 526 334 639 422

65,000 200 137 250 162 565 353 680 445

70,000 216 145 266 173 605 371 720 469

75,000 232 151 281 185 646 391 760 494

80,000 249 161 297 195 685 411 800 518

85,000 265 169 314 208 726 429 841 542

90,000 280 175 331 217 765 449 880 565

95,000 296 185 345 229 805 466 921 589

100,000 312 192 361 240 845 487 961 613

01/01/2005Revised



TENANT 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 4 2 4 2 6 3 6 3Add'l

1,000 3 2 3 2 7 3 7 3Add'l

5,000 29 23 30 23 131 111 170 147

6,000 38 25 39 26 142 114 176 149

7,000 44 27 45 30 149 118 187 154

8,000 53 30 54 35 160 120 195 162

9,000 58 34 61 41 168 125 204 164

10,000 67 38 68 44 175 128 214 170

11,000 70 41 71 48 186 131 222 172

12,000 76 43 77 54 194 135 231 175

13,000 79 45 82 57 203 141 239 177

14,000 83 48 90 62 209 143 249 185

15,000 89 53 97 67 217 147 257 188

20,000 96 58 119 74 247 164 293 210

25,000 103 67 127 81 276 183 332 232

30,000 111 74 134 89 307 200 368 253

35,000 118 81 142 96 320 217 404 276

40,000 125 89 156 103 349 235 440 297

45,000 131 96 171 111 379 252 478 320

50,000 141 103 186 118 408 269 515 342

55,000 154 111 200 128 443 289 551 364

60,000 170 118 215 138 482 307 587 385

65,000 185 125 229 148 518 322 625 408

70,000 198 131 244 160 555 341 660 429

75,000 214 141 258 170 590 358 697 453

80,000 228 147 274 177 628 377 734 475

85,000 243 154 289 189 665 394 772 496

90,000 257 162 303 200 702 412 807 518

95,000 272 170 318 210 737 428 844 541

100,000 288 175 333 221 775 445 880 562

01/01/2005Revised



OWNER 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

20+MOHO

2,000 0 0 0 0 0 0 180 0

3,000 0 0 0 0 0 0 190 0

4,000 0 0 0 0 0 0 198 0

5,000 0 0 0 0 0 0 210 0

6,000 0 0 0 0 0 0 219 0

7,000 0 0 0 0 0 0 232 0

8,000 0 0 0 0 0 0 242 0

9,000 0 0 0 0 0 0 254 0

10,000 0 0 0 0 0 0 264 0

11,000 0 0 0 0 0 0 276 0

12,000 0 0 0 0 0 0 286 0

13,000 0 0 0 0 0 0 298 0

14,000 0 0 0 0 0 0 307 0

15,000 0 0 0 0 0 0 318 0

20,000 0 0 0 0 0 0 364 0

25,000 0 0 0 0 0 0 410 0

01/01/2005Revised



TENANT 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

20+MOHO

2,000 0 0 0 0 0 0 194 0

3,000 0 0 0 0 0 0 204 0

4,000 0 0 0 0 0 0 214 0

5,000 0 0 0 0 0 0 226 0

6,000 0 0 0 0 0 0 238 0

7,000 0 0 0 0 0 0 249 0

8,000 0 0 0 0 0 0 263 0

9,000 0 0 0 0 0 0 274 0

10,000 0 0 0 0 0 0 286 0

11,000 0 0 0 0 0 0 298 0

12,000 0 0 0 0 0 0 308 0

13,000 0 0 0 0 0 0 320 0

14,000 0 0 0 0 0 0 332 0

15,000 0 0 0 0 0 0 343 0

20,000 0 0 0 0 0 0 393 0

25,000 0 0 0 0 0 0 443 0

01/01/2005Revised



OWNTEN 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

Contents

1,000 4 3 4 4 8 5 7 7Add'l

1,000 4 3 4 4 8 5 7 7Add'l

1,000 2 2 3 3 9 4 8 8Add'l

5,000 14 13 21 16 56 29 64 34

6,000 16 15 24 21 64 34 70 41

7,000 19 18 27 24 70 39 79 47

8,000 22 21 32 27 79 44 89 54

9,000 24 23 37 32 88 49 96 61

10,000 26 25 41 37 95 55 104 67

11,000 29 27 44 41 103 61 114 74

12,000 32 30 48 44 110 65 122 80

13,000 35 34 53 48 118 69 129 88

14,000 38 37 56 53 125 76 139 93

15,000 41 39 61 56 134 80 147 101

16,000 43 42 65 61 142 85 154 106

17,000 45 44 68 65 149 91 164 114

18,000 48 47 71 68 159 96 172 120

19,000 50 49 77 71 164 101 181 127

20,000 54 53 80 77 172 105 189 134

21,000 56 55 83 80 181 111 197 141

22,000 58 57 89 83 188 117 205 147

23,000 62 61 92 89 196 122 215 153

24,000 65 64 96 92 204 127 223 161

25,000 67 66 101 96 211 130 231 168

26,000 69 68 104 101 218 137 240 173

27,000 71 70 107 104 227 142 249 181

28,000 76 74 112 107 235 147 256 187

29,000 78 77 117 112 243 151 266 194

30,000 80 79 120 117 251 159 274 200

31,000 82 81 124 120 257 162 281 208

32,000 85 83 128 124 266 168 291 214

33,000 89 88 131 128 274 172 298 221

34,000 91 90 137 131 281 176 308 227

35,000 93 92 141 137 290 184 316 234

36,000 96 95 145 141 297 188 323 240

37,000 99 97 148 145 305 192 333 247

38,000 102 101 151 148 312 197 342 253

39,000 104 103 156 151 320 203 349 261

40,000 106 105 161 156 330 209 358 267

41,000 110 107 164 161 336 214 368 274

42,000 112 111 169 164 344 218 374 280

43,000 116 114 172 169 350 223 383 288

44,000 118 117 175 172 359 228 392 293

45,000 120 119 181 175 368 234 401 300

46,000 123 122 185 181 373 239 412 308

47,000 125 124 188 185 381 244 423 314

48,000 128 127 192 188 387 251 435 320

01/01/2005Revised



OWNTEN 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

Contents

49,000 130 129 196 192 394 256 443 328

50,000 134 131 200 196 401 263 457 334

55,000 147 146 221 216 435 290 510 368

60,000 161 160 240 237 466 318 567 401

65,000 173 172 261 256 501 344 624 435

70,000 187 186 280 276 533 372 678 466

75,000 200 198 300 296 567 401 734 501

80,000 214 212 320 316 613 427 774 541

85,000 227 226 341 336 660 454 815 581

90,000 240 239 360 357 707 481 854 622

95,000 253 252 381 377 754 507 894 660

01/01/2005Revised



OWNER 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 6 0Add'l

2,000 0 0 0 0 0 0 149 0

3,000 0 0 0 0 0 0 158 0

4,000 0 0 0 0 0 0 167 0

5,000 0 0 0 0 0 0 174 0

6,000 0 0 0 0 0 0 183 0

7,000 0 0 0 0 0 0 193 0

8,000 0 0 0 0 0 0 202 0

9,000 0 0 0 0 0 0 211 0

10,000 0 0 0 0 0 0 219 0

11,000 0 0 0 0 0 0 229 0

12,000 0 0 0 0 0 0 238 0

13,000 0 0 0 0 0 0 247 0

14,000 0 0 0 0 0 0 256 0

15,000 0 0 0 0 0 0 266 0

20,000 0 0 0 0 0 0 303 0

25,000 0 0 0 0 0 0 340 0

30,000 0 0 0 0 0 0 379 0

35,000 0 0 0 0 0 0 417 0

40,000 0 0 0 0 0 0 456 0

45,000 0 0 0 0 0 0 492 0

50,000 0 0 0 0 0 0 531 0

01/01/2005Revised



SEASON 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 7 0Add'l

2,000 0 0 0 0 0 0 167 0

3,000 0 0 0 0 0 0 176 0

4,000 0 0 0 0 0 0 185 0

5,000 0 0 0 0 0 0 195 0

6,000 0 0 0 0 0 0 205 0

7,000 0 0 0 0 0 0 216 0

8,000 0 0 0 0 0 0 226 0

9,000 0 0 0 0 0 0 237 0

10,000 0 0 0 0 0 0 246 0

11,000 0 0 0 0 0 0 256 0

12,000 0 0 0 0 0 0 267 0

13,000 0 0 0 0 0 0 277 0

14,000 0 0 0 0 0 0 288 0

15,000 0 0 0 0 0 0 298 0

20,000 0 0 0 0 0 0 339 0

25,000 0 0 0 0 0 0 382 0

30,000 0 0 0 0 0 0 424 0

35,000 0 0 0 0 0 0 467 0

40,000 0 0 0 0 0 0 509 0

45,000 0 0 0 0 0 0 552 0

50,000 0 0 0 0 0 0 594 0

01/01/2005Revised



TENANT 2Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 7 0Add'l

2,000 0 0 0 0 0 0 161 0

3,000 0 0 0 0 0 0 170 0

4,000 0 0 0 0 0 0 179 0

5,000 0 0 0 0 0 0 189 0

6,000 0 0 0 0 0 0 197 0

7,000 0 0 0 0 0 0 207 0

8,000 0 0 0 0 0 0 218 0

9,000 0 0 0 0 0 0 228 0

10,000 0 0 0 0 0 0 238 0

11,000 0 0 0 0 0 0 247 0

12,000 0 0 0 0 0 0 257 0

13,000 0 0 0 0 0 0 267 0

14,000 0 0 0 0 0 0 277 0

15,000 0 0 0 0 0 0 287 0

20,000 0 0 0 0 0 0 328 0

25,000 0 0 0 0 0 0 369 0

30,000 0 0 0 0 0 0 411 0

35,000 0 0 0 0 0 0 449 0

40,000 0 0 0 0 0 0 491 0

45,000 0 0 0 0 0 0 532 0

50,000 0 0 0 0 0 0 573 0

01/01/2005Revised



OWNER 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 5 2 5 2 7 3 7 3Add'l

5,000 25 19 26 19 114 95 146 127

6,000 32 22 34 23 122 98 153 129

7,000 39 24 40 26 129 102 161 133

8,000 44 26 45 30 137 104 169 140

9,000 50 28 51 35 145 108 176 142

10,000 58 32 59 39 152 110 184 146

11,000 61 35 62 42 160 114 192 149

12,000 65 37 66 45 168 117 200 152

13,000 68 40 70 49 175 120 206 154

14,000 72 42 78 53 180 124 214 159

15,000 76 44 84 58 188 127 222 162

20,000 83 50 103 64 213 142 254 181

25,000 89 58 109 69 238 158 286 201

30,000 95 64 116 76 264 172 317 219

35,000 102 69 122 83 277 188 349 238

40,000 108 76 134 89 302 203 380 257

45,000 114 83 147 95 328 218 413 277

50,000 120 89 160 102 353 234 444 295

55,000 133 95 172 110 383 248 476 314

60,000 146 102 185 119 416 264 507 333

65,000 159 108 197 128 447 279 539 353

70,000 171 114 211 137 480 294 571 372

75,000 184 120 223 146 510 310 602 391

80,000 196 127 236 154 543 324 634 410

85,000 210 133 248 163 574 339 666 428

90,000 222 140 261 172 607 355 698 447

95,000 235 146 273 181 637 371 729 466

100,000 247 152 287 191 669 386 761 485

01/01/2005Revised



SEASON 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 5 2 5 2 7 3 7 3Add'l

5,000 30 23 32 23 137 114 175 152

6,000 39 25 40 27 146 117 184 154

7,000 45 28 47 32 154 122 193 160

8,000 53 32 54 37 166 125 203 168

9,000 61 36 62 41 174 129 212 170

10,000 68 39 69 45 183 132 221 175

11,000 74 41 75 50 192 137 229 177

12,000 78 44 79 54 201 140 238 183

13,000 83 47 85 60 211 145 248 185

14,000 86 50 92 64 216 147 257 191

15,000 91 53 101 68 226 152 267 195

20,000 100 61 124 76 256 170 305 218

25,000 107 68 130 84 287 189 343 242

30,000 114 76 138 91 317 206 380 264

35,000 122 84 146 100 332 226 419 287

40,000 129 91 161 107 362 244 457 310

45,000 137 100 176 114 394 261 495 332

50,000 145 107 192 122 423 280 532 355

55,000 160 114 206 132 462 298 571 378

60,000 175 122 222 144 500 317 609 400

65,000 191 129 237 153 538 335 647 423

70,000 205 137 252 166 575 353 685 446

75,000 221 145 268 175 614 372 723 469

80,000 236 152 282 185 652 390 761 491

85,000 251 160 298 196 690 408 799 515

90,000 267 168 313 206 728 425 837 538

95,000 281 175 329 218 767 444 876 560

100,000 296 183 344 228 803 463 912 583

01/01/2005Revised



TENANT 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 3 2 3 2 6 3 6 3Add'l

5,000 27 22 28 22 126 105 161 140

6,000 36 24 37 25 134 108 169 142

7,000 42 26 43 28 142 111 177 147

8,000 49 28 50 34 151 114 185 153

9,000 57 32 58 39 159 119 194 155

10,000 64 36 65 42 168 122 203 161

11,000 67 39 68 45 176 126 211 163

12,000 70 41 72 50 184 128 219 168

13,000 75 43 79 54 193 133 227 170

14,000 80 45 85 59 197 135 236 175

15,000 84 49 92 64 206 140 245 179

20,000 91 57 112 69 235 155 279 200

25,000 98 64 120 78 263 172 314 221

30,000 105 69 127 84 290 191 349 242

35,000 111 78 134 91 305 206 383 263

40,000 119 84 149 98 332 223 419 282

45,000 126 91 162 105 360 239 455 305

50,000 133 98 176 111 389 256 488 324

55,000 147 105 191 122 422 273 524 347

60,000 161 111 204 130 458 290 558 366

65,000 175 119 218 141 491 307 593 389

70,000 189 126 232 151 527 323 627 408

75,000 203 133 246 161 561 339 663 431

80,000 217 140 260 170 597 357 698 449

85,000 230 147 273 180 632 374 733 471

90,000 245 153 288 191 667 391 768 491

95,000 259 161 302 200 701 406 802 513

100,000 272 168 315 210 736 423 837 533

01/01/2005Revised



OWNER 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

20+MOHO

2,000 0 0 0 0 0 0 188 0

3,000 0 0 0 0 0 0 197 0

4,000 0 0 0 0 0 0 208 0

5,000 0 0 0 0 0 0 219 0

6,000 0 0 0 0 0 0 229 0

7,000 0 0 0 0 0 0 243 0

8,000 0 0 0 0 0 0 252 0

9,000 0 0 0 0 0 0 265 0

10,000 0 0 0 0 0 0 276 0

11,000 0 0 0 0 0 0 288 0

12,000 0 0 0 0 0 0 298 0

13,000 0 0 0 0 0 0 311 0

14,000 0 0 0 0 0 0 321 0

15,000 0 0 0 0 0 0 333 0

20,000 0 0 0 0 0 0 380 0

25,000 0 0 0 0 0 0 427 0

01/01/2005Revised



TENANT 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

20+MOHO

2,000 0 0 0 0 0 0 203 0

3,000 0 0 0 0 0 0 213 0

4,000 0 0 0 0 0 0 223 0

5,000 0 0 0 0 0 0 236 0

6,000 0 0 0 0 0 0 248 0

7,000 0 0 0 0 0 0 260 0

8,000 0 0 0 0 0 0 273 0

9,000 0 0 0 0 0 0 287 0

10,000 0 0 0 0 0 0 298 0

11,000 0 0 0 0 0 0 311 0

12,000 0 0 0 0 0 0 322 0

13,000 0 0 0 0 0 0 335 0

14,000 0 0 0 0 0 0 348 0

15,000 0 0 0 0 0 0 358 0

20,000 0 0 0 0 0 0 412 0

25,000 0 0 0 0 0 0 463 0

01/01/2005Revised



OWNTEN 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

Contents

1,000 2 2 3 4 8 5 7 7Add'l

5,000 14 12 19 16 53 27 60 32

6,000 16 15 23 19 60 32 67 39

7,000 18 17 26 23 67 37 75 44

8,000 20 19 30 26 75 42 84 50

9,000 23 22 35 30 83 47 91 58

10,000 25 24 39 35 90 51 100 64

11,000 27 26 42 39 98 58 108 69

12,000 30 28 45 42 104 61 116 76

13,000 34 32 49 45 111 66 124 83

14,000 36 35 53 49 119 70 132 89

15,000 39 37 58 53 127 76 140 95

16,000 41 40 61 58 134 82 147 102

17,000 43 42 65 61 142 86 155 108

18,000 45 44 68 65 150 91 163 114

19,000 48 47 72 68 155 95 171 120

20,000 50 49 76 72 163 101 180 127

21,000 53 51 80 76 171 105 188 133

22,000 57 54 84 80 179 110 195 140

23,000 59 58 87 84 186 116 204 146

24,000 61 60 91 87 194 120 212 152

25,000 64 62 95 91 201 125 219 159

26,000 66 65 100 95 208 129 228 166

27,000 68 67 103 100 216 134 236 171

28,000 70 69 107 103 223 140 244 177

29,000 74 72 110 107 230 145 252 184

30,000 76 75 114 110 238 150 260 191

31,000 79 78 118 114 245 153 268 196

32,000 82 80 122 118 252 159 277 203

33,000 84 83 126 122 260 163 285 210

34,000 86 85 129 126 268 169 292 216

35,000 89 87 133 129 276 174 301 222

36,000 91 90 137 133 282 179 308 228

37,000 93 92 141 137 289 183 315 235

38,000 96 95 145 141 296 188 324 242

39,000 100 98 149 145 305 193 332 247

40,000 102 101 152 149 312 197 339 254

41,000 104 103 155 152 320 203 349 260

42,000 107 105 160 155 328 208 356 267

43,000 109 108 163 160 333 212 364 272

44,000 111 110 168 163 340 217 373 279

45,000 114 112 171 168 349 222 380 286

46,000 117 116 175 171 355 227 391 292

47,000 119 118 179 175 361 232 402 298

48,000 122 120 183 179 369 238 413 305

49,000 125 124 186 183 374 244 422 311

50,000 127 126 191 186 380 248 434 317

01/01/2005Revised



OWNTEN 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

Contents

55,000 140 138 210 205 413 276 485 349

60,000 152 151 228 225 444 302 539 380

65,000 166 163 247 244 476 328 592 413

70,000 177 176 267 263 507 354 644 444

75,000 191 189 286 281 539 380 698 476

80,000 203 202 305 301 583 405 735 513

85,000 216 214 323 320 627 432 774 551

90,000 228 227 343 338 673 457 812 590

95,000 242 239 361 357 717 482 851 627

100,000 254 252 380 377 761 507 887 666

01/01/2005Revised



OWNER 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 6 0Add'l

2,000 0 0 0 0 0 0 155 0

3,000 0 0 0 0 0 0 166 0

4,000 0 0 0 0 0 0 174 0

5,000 0 0 0 0 0 0 183 0

6,000 0 0 0 0 0 0 192 0

7,000 0 0 0 0 0 0 202 0

8,000 0 0 0 0 0 0 211 0

9,000 0 0 0 0 0 0 221 0

10,000 0 0 0 0 0 0 229 0

11,000 0 0 0 0 0 0 239 0

12,000 0 0 0 0 0 0 248 0

13,000 0 0 0 0 0 0 259 0

14,000 0 0 0 0 0 0 268 0

15,000 0 0 0 0 0 0 278 0

20,000 0 0 0 0 0 0 317 0

25,000 0 0 0 0 0 0 356 0

30,000 0 0 0 0 0 0 397 0

35,000 0 0 0 0 0 0 437 0

40,000 0 0 0 0 0 0 476 0

45,000 0 0 0 0 0 0 515 0

50,000 0 0 0 0 0 0 555 0

01/01/2005Revised



SEASON 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 7 0Add'l

2,000 0 0 0 0 0 0 174 0

3,000 0 0 0 0 0 0 184 0

4,000 0 0 0 0 0 0 194 0

5,000 0 0 0 0 0 0 204 0

6,000 0 0 0 0 0 0 214 0

7,000 0 0 0 0 0 0 226 0

8,000 0 0 0 0 0 0 236 0

9,000 0 0 0 0 0 0 247 0

10,000 0 0 0 0 0 0 257 0

11,000 0 0 0 0 0 0 268 0

12,000 0 0 0 0 0 0 279 0

13,000 0 0 0 0 0 0 289 0

14,000 0 0 0 0 0 0 301 0

15,000 0 0 0 0 0 0 311 0

20,000 0 0 0 0 0 0 355 0

25,000 0 0 0 0 0 0 399 0

30,000 0 0 0 0 0 0 444 0

35,000 0 0 0 0 0 0 488 0

40,000 0 0 0 0 0 0 532 0

45,000 0 0 0 0 0 0 576 0

50,000 0 0 0 0 0 0 622 0

01/01/2005Revised



TENANT 3Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 7 0Add'l

2,000 0 0 0 0 0 0 169 0

3,000 0 0 0 0 0 0 177 0

4,000 0 0 0 0 0 0 186 0

5,000 0 0 0 0 0 0 196 0

6,000 0 0 0 0 0 0 206 0

7,000 0 0 0 0 0 0 217 0

8,000 0 0 0 0 0 0 228 0

9,000 0 0 0 0 0 0 238 0

10,000 0 0 0 0 0 0 248 0

11,000 0 0 0 0 0 0 259 0

12,000 0 0 0 0 0 0 269 0

13,000 0 0 0 0 0 0 279 0

14,000 0 0 0 0 0 0 289 0

15,000 0 0 0 0 0 0 299 0

20,000 0 0 0 0 0 0 343 0

25,000 0 0 0 0 0 0 386 0

30,000 0 0 0 0 0 0 428 0

35,000 0 0 0 0 0 0 470 0

40,000 0 0 0 0 0 0 513 0

45,000 0 0 0 0 0 0 557 0

50,000 0 0 0 0 0 0 600 0

01/01/2005Revised



OWNER 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 5 2 5 2 7 4 7 4Add'l

5,000 26 20 27 20 119 100 152 132

6,000 34 22 35 24 127 102 160 134

7,000 40 25 41 27 134 106 168 139

8,000 46 27 47 32 144 108 176 146

9,000 53 30 54 36 151 112 184 148

10,000 60 34 61 40 159 114 192 152

11,000 64 36 65 44 167 119 200 154

12,000 67 39 68 47 174 122 207 159

13,000 71 41 74 51 183 126 216 161

14,000 75 44 81 56 188 128 224 166

15,000 80 46 87 60 196 132 232 170

20,000 86 53 107 66 223 148 265 190

25,000 92 60 113 72 249 164 298 210

30,000 100 66 120 80 276 180 331 229

35,000 106 72 127 86 289 196 364 249

40,000 112 80 140 92 315 212 397 269

45,000 119 86 153 100 342 227 431 289

50,000 126 92 167 106 369 244 463 309

55,000 139 100 180 114 401 259 497 329

60,000 152 106 193 125 435 276 529 349

65,000 166 112 206 133 467 291 563 369

70,000 179 119 219 144 501 307 595 389

75,000 192 126 233 152 533 323 629 408

80,000 205 132 246 161 567 338 662 427

85,000 218 139 259 171 600 355 695 447

90,000 232 146 272 180 633 371 728 467

95,000 245 152 286 190 666 386 761 487

100,000 258 159 299 198 699 402 794 507

01/01/2005Revised



SEASON 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 5 2 5 2 7 4 7 4Add'l

5,000 32 24 34 24 144 119 183 159

6,000 40 26 41 28 152 122 192 161

7,000 47 30 48 34 161 127 201 167

8,000 56 34 58 39 172 130 212 174

9,000 64 38 65 42 181 134 221 177

10,000 71 40 72 47 191 138 230 183

11,000 78 42 79 53 200 144 239 185

12,000 81 46 82 58 210 146 249 191

13,000 86 48 88 62 219 151 259 193

14,000 90 53 97 66 225 153 269 198

15,000 95 56 105 71 236 159 278 204

20,000 104 64 128 80 267 177 317 227

25,000 111 71 137 87 299 197 357 251

30,000 119 80 145 95 331 216 397 276

35,000 127 87 152 104 347 236 437 299

40,000 134 95 168 111 378 254 477 323

45,000 144 104 184 119 411 272 516 347

50,000 151 111 200 127 442 292 555 371

55,000 167 119 216 138 482 311 595 395

60,000 183 127 232 150 522 331 635 418

65,000 198 134 247 160 561 350 675 442

70,000 214 144 264 172 601 369 714 465

75,000 230 151 279 183 641 389 754 489

80,000 246 159 295 193 680 405 794 513

85,000 263 167 311 205 720 425 834 537

90,000 278 174 327 216 759 444 874 561

95,000 293 183 343 227 799 463 912 585

100,000 310 191 358 238 839 483 952 609

01/01/2005Revised



TENANT 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

1 Family

1,000 4 2 4 2 6 4 6 4Add'l

5,000 28 22 30 22 131 110 168 146

6,000 38 25 39 26 140 112 176 148

7,000 44 27 45 30 148 117 185 153

8,000 51 30 53 35 158 119 193 160

9,000 59 34 60 40 166 125 203 163

10,000 66 38 67 44 174 127 212 168

11,000 70 40 71 47 184 131 219 171

12,000 74 42 75 53 192 133 229 174

13,000 79 45 82 58 201 139 237 177

14,000 84 47 88 61 206 141 246 183

15,000 87 51 97 66 216 146 256 186

20,000 95 59 118 72 245 163 291 207

25,000 102 66 126 81 273 180 329 230

30,000 110 72 132 87 303 198 364 251

35,000 117 81 140 95 317 216 401 273

40,000 125 87 154 102 347 233 437 295

45,000 131 95 170 110 376 250 475 317

50,000 139 102 184 117 404 267 509 338

55,000 153 110 198 127 441 286 547 361

60,000 168 117 213 137 478 303 582 382

65,000 183 125 227 147 513 320 620 404

70,000 197 131 243 158 550 337 655 425

75,000 212 139 257 168 587 355 692 448

80,000 226 146 271 177 623 373 728 469

85,000 240 153 286 188 659 391 765 491

90,000 256 160 300 198 696 408 800 513

95,000 270 168 315 207 732 424 838 536

100,000 285 174 330 218 769 442 874 557

01/01/2005Revised



OWNER 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

20+MOHO

2,000 0 0 0 0 0 0 196 0

3,000 0 0 0 0 0 0 206 0

4,000 0 0 0 0 0 0 217 0

5,000 0 0 0 0 0 0 229 0

6,000 0 0 0 0 0 0 239 0

7,000 0 0 0 0 0 0 252 0

8,000 0 0 0 0 0 0 264 0

9,000 0 0 0 0 0 0 277 0

10,000 0 0 0 0 0 0 287 0

11,000 0 0 0 0 0 0 300 0

12,000 0 0 0 0 0 0 311 0

13,000 0 0 0 0 0 0 324 0

14,000 0 0 0 0 0 0 335 0

15,000 0 0 0 0 0 0 349 0

20,000 0 0 0 0 0 0 397 0

25,000 0 0 0 0 0 0 445 0

01/01/2005Revised



TENANT 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

20+MOHO

2,000 0 0 0 0 0 0 212 0

3,000 0 0 0 0 0 0 223 0

4,000 0 0 0 0 0 0 233 0

5,000 0 0 0 0 0 0 246 0

6,000 0 0 0 0 0 0 259 0

7,000 0 0 0 0 0 0 271 0

8,000 0 0 0 0 0 0 286 0

9,000 0 0 0 0 0 0 299 0

10,000 0 0 0 0 0 0 311 0

11,000 0 0 0 0 0 0 324 0

12,000 0 0 0 0 0 0 336 0

13,000 0 0 0 0 0 0 350 0

14,000 0 0 0 0 0 0 362 0

15,000 0 0 0 0 0 0 375 0

20,000 0 0 0 0 0 0 428 0

25,000 0 0 0 0 0 0 483 0

01/01/2005Revised



OWNER 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

Multi Family

5,000 24 21 28 25 132 132 198 198

6,000 28 25 35 30 141 139 212 205

7,000 35 28 40 36 152 146 225 212

8,000 40 34 45 41 161 152 238 218

9,000 45 38 50 46 172 159 251 225

10,000 50 41 56 51 181 166 265 232

11,000 56 45 61 58 192 172 278 238

12,000 61 48 66 62 201 179 291 245

13,000 66 53 71 67 212 185 305 251

14,000 71 58 78 72 221 192 317 258

15,000 78 61 82 79 232 198 331 265

16,000 82 65 87 84 243 205 344 271

17,000 87 68 92 88 251 212 357 278

18,000 92 72 98 93 263 218 371 285

19,000 98 78 104 100 271 225 383 291

20,000 104 81 108 105 282 232 397 298

21,000 108 85 113 110 291 238 411 305

22,000 113 88 119 114 302 245 423 311

23,000 119 92 125 120 311 251 437 317

24,000 125 97 130 126 322 258 449 324

25,000 130 101 134 131 331 265 463 331

26,000 134 105 140 137 342 271 477 337

27,000 140 108 146 141 351 278 489 344

28,000 146 112 151 147 361 285 503 351

29,000 151 117 156 152 371 291 516 357

30,000 156 120 161 158 381 298 529 364

31,000 161 125 167 163 391 305 543 371

32,000 167 128 172 168 401 311 555 377

33,000 172 132 177 173 411 317 569 383

34,000 177 137 183 179 421 324 582 391

35,000 183 140 188 184 431 331 595 397

36,000 188 145 193 190 441 337 609 403

37,000 193 148 198 194 449 344 622 411

38,000 198 152 204 200 461 351 635 417

39,000 204 156 210 205 469 357 648 423

40,000 210 160 214 211 481 364 662 431

41,000 214 164 219 216 489 371 675 437

42,000 219 168 225 221 501 377 688 469

43,000 225 172 230 226 509 383 701 449

44,000 230 176 236 232 521 391 714 457

45,000 236 180 240 237 529 397 728 463

46,000 240 184 246 243 538 399 736 467

47,000 246 188 251 247 547 401 746 469

48,000 251 192 257 252 555 403 754 475

49,000 257 196 263 258 565 405 763 477

50,000 263 200 267 264 573 408 772 481

55,000 289 219 293 290 617 419 816 497

01/01/2005Revised



OWNTEN 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

Contents

1,000 2 3 4 4 8 5 7 7Add'l

5,000 14 13 20 16 56 28 62 34

6,000 16 15 24 20 62 34 70 40

7,000 19 18 27 24 70 39 79 46

8,000 21 20 32 27 79 44 87 53

9,000 24 22 36 32 86 48 95 60

10,000 26 25 40 36 93 54 104 66

11,000 28 27 44 40 102 60 112 72

12,000 32 30 47 44 108 64 120 80

13,000 35 34 51 47 117 68 128 86

14,000 38 36 56 51 125 74 138 92

15,000 40 39 60 56 132 80 146 100

16,000 42 41 64 60 140 85 153 106

17,000 45 44 67 64 148 90 163 112

18,000 47 46 71 67 156 95 171 119

19,000 50 48 75 71 163 100 179 126

20,000 53 51 80 75 171 105 188 132

21,000 56 54 84 80 179 110 196 139

22,000 59 58 87 84 186 114 204 146

23,000 61 60 91 87 194 120 213 152

24,000 64 62 95 91 203 126 221 159

25,000 66 65 100 95 210 130 229 166

26,000 68 67 104 100 217 134 238 172

27,000 71 70 107 104 225 140 246 179

28,000 74 72 111 107 233 146 254 185

29,000 78 75 114 111 240 151 264 192

30,000 80 79 119 114 249 156 271 198

31,000 82 81 124 119 256 160 279 205

32,000 85 84 127 124 264 166 289 212

33,000 87 86 131 127 271 171 296 218

34,000 90 88 134 131 279 176 305 225

35,000 92 91 139 134 287 181 313 232

36,000 95 93 144 139 295 186 322 238

37,000 98 97 147 144 302 191 330 245

38,000 101 100 151 147 310 196 338 251

39,000 104 102 154 151 317 201 347 258

40,000 106 105 159 154 326 206 355 265

41,000 108 107 163 159 333 212 364 271

42,000 111 110 167 163 342 217 372 278

43,000 113 112 171 167 349 221 379 285

44,000 117 114 174 171 356 226 390 291

45,000 119 118 179 174 364 232 397 298

46,000 122 120 183 179 371 237 408 305

47,000 125 124 186 183 377 243 419 311

48,000 127 126 191 186 383 249 431 317

49,000 130 128 194 191 391 254 441 324

50,000 132 131 198 194 397 259 453 331

01/01/2005Revised



OWNTEN 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

Contents

55,000 146 145 218 214 431 287 507 364

60,000 159 158 238 234 463 315 563 397

65,000 172 171 258 254 497 342 617 431

70,000 185 184 278 273 529 370 673 463

75,000 198 197 298 293 563 397 728 497

80,000 212 211 317 313 609 423 768 536

85,000 225 224 337 333 655 449 807 575

90,000 238 237 357 353 701 477 846 615

95,000 251 250 377 373 748 503 886 655

100,000 265 264 397 393 794 529 926 695

01/01/2005Revised



OWNER 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 6 0Add'l

2,000 0 0 0 0 0 0 163 0

3,000 0 0 0 0 0 0 172 0

4,000 0 0 0 0 0 0 181 0

5,000 0 0 0 0 0 0 191 0

6,000 0 0 0 0 0 0 200 0

7,000 0 0 0 0 0 0 211 0

8,000 0 0 0 0 0 0 219 0

9,000 0 0 0 0 0 0 230 0

10,000 0 0 0 0 0 0 239 0

11,000 0 0 0 0 0 0 250 0

12,000 0 0 0 0 0 0 259 0

13,000 0 0 0 0 0 0 270 0

14,000 0 0 0 0 0 0 279 0

15,000 0 0 0 0 0 0 290 0

20,000 0 0 0 0 0 0 331 0

25,000 0 0 0 0 0 0 372 0

30,000 0 0 0 0 0 0 415 0

35,000 0 0 0 0 0 0 456 0

40,000 0 0 0 0 0 0 497 0

45,000 0 0 0 0 0 0 537 0

50,000 0 0 0 0 0 0 580 0

01/01/2005Revised



SEASON 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 7 0Add'l

2,000 0 0 0 0 0 0 181 0

3,000 0 0 0 0 0 0 192 0

4,000 0 0 0 0 0 0 203 0

5,000 0 0 0 0 0 0 213 0

6,000 0 0 0 0 0 0 224 0

7,000 0 0 0 0 0 0 236 0

8,000 0 0 0 0 0 0 246 0

9,000 0 0 0 0 0 0 258 0

10,000 0 0 0 0 0 0 269 0

11,000 0 0 0 0 0 0 279 0

12,000 0 0 0 0 0 0 291 0

13,000 0 0 0 0 0 0 302 0

14,000 0 0 0 0 0 0 313 0

15,000 0 0 0 0 0 0 324 0

20,000 0 0 0 0 0 0 371 0

25,000 0 0 0 0 0 0 417 0

30,000 0 0 0 0 0 0 463 0

35,000 0 0 0 0 0 0 509 0

40,000 0 0 0 0 0 0 555 0

45,000 0 0 0 0 0 0 602 0

50,000 0 0 0 0 0 0 648 0

01/01/2005Revised



TENANT 4Territory

Frame


MasonryFrame

Protection Class 8

MasonryFrame

Protection Class 9

MasonryFrame

Protection Class 10

MOBILEHOMES

1,000 0 0 0 0 0 0 7 0Add'l

2,000 0 0 0 0 0 0 176 0

3,000 0 0 0 0 0 0 185 0

4,000 0 0 0 0 0 0 194 0

5,000 0 0 0 0 0 0 205 0

6,000 0 0 0 0 0 0 216 0

7,000 0 0 0 0 0 0 226 0

8,000 0 0 0 0 0 0 238 0

9,000 0 0 0 0 0 0 249 0

10,000 0 0 0 0 0 0 259 0

11,000 0 0 0 0 0 0 270 0

12,000 0 0 0 0 0 0 280 0

13,000 0 0 0 0 0 0 291 0

14,000 0 0 0 0 0 0 302 0

15,000 0 0 0 0 0 0 312 0

20,000 0 0 0 0 0 0 357 0

25,000 0 0 0 0 0 0 402 0

30,000 0 0 0 0 0 0 447 0

35,000 0 0 0 0 0 0 490 0

40,000 0 0 0 0 0 0 536 0

45,000 0 0 0 0 0 0 581 0

50,000 0 0 0 0 0 0 626 0

01/01/2005Revised

AMERICAN ASSOCIATION OF INSURANCE SERVICES WV DWELLING & FARM PROPERTIES MANUAL ANNUAL EXTENDED COVERAGE PREMIUMS

Amount of Insurance Coverage A Coverage C $1,000 $5.25 $2.10 2,000 6.30 2.10 3,000 6.30 3.15 Greenhouses, Private 4,000 7.35 3.15 Extended Coverage 5,000 7.35 4.20 Premiums Per $1,000 6,000 8.40 4.20 1. Wood frame 7,000 8.40 5.25 including contents 8,000 9.45 5.25 $14.70 9,000 10.50 6.30 10,000 10.50 6.30 2. Metal frame 11,000 11.55 6.30 including contents 12,000 11.55 7.35 $8.40 13,000 12.60 7.35 14,000 13.65 8.40 15,000 13.65 8.40 16,000 14.70 9.45 17,000 14.70 9.45 18,000 15.75 10.50 19,000 15.75 10.50 20,000 16.80 11.55 22,000 17.85 12.60 24,000 18.90 12.60 26,000 19.95 13.65 28,000 22.05 14.70 30,000 23.10 15.75 32,000 24.15 16.80 34,000 25.20 17.85 36,000 26.25 18.90 38,000 27.30 19.95 40,000 29.40 21.00 45,000 32.55 23.10 50,000 34.65 26.25 55,000 37.80 28.35 60,000 40.95 30.45 Additional $1,000 .61 .48 Surcharge the above premiums 20% for seasonal occupancy Surcharge the above premiums 20% for mobile homes Rev 11/11 Page-EC

AMERICAN ASSOCIATION OF INSURANCE SERVICES WV DWELLING & FARM PROPERTIES MANUAL

VANDALISM PREMIUMS PER $1,000

1. Tenant/Owner occupied $0.21 2. Seasonal/Buildings under construction NOT APPLICABLE

BROAD FORM PREMIUM PER $1,000 Add to premiums for fire, extended coverage & vandalism

1. Broad form $0.63 2. Contents-use broad form premiums

EARTHQUAKE PREMIUMS PER $1,000

1. Frame construction $0.32 (Excluding masonry veneer)

2. Other than frame $0.53 Rev 11/11 Page-VMM, Broad, Earthquake AAIS

AMERICAN ASSOCIATION OF INSURANCE SERVICES WV COAL MINE SUBSIDENCE INSURANCE

MANUAL SUPPLEMENT

Coal Mine Subsidence Territorial Definitions

Territory 1 Entire state except for the counties listed in territory 2 2 Berkeley, Cabell, Calhoun, Hampshire, Hardy, Jackson, Jefferson, Monroe, Morgan,

Pendleton, Pleasants, Ritchie, Roane, Wirt & Wood Policies providing fire insurance for structures located in territory 1 must include coverage for loss caused by coal mine subsidence, unless the insured or applicant waives such coverage. Policies covering structures located in territory 2 may include coal mine subsidence insurance at the insured’s/applicant’s request. Attach the endorsement indicated & make the additional premium charge shown below Amount of insurance Dwelling structures* Non dwelling structures** $10,000 or less $10.00 $20.00 $10,001-$15,000 11.00 22.00 $15,001-$20,000 12.00 24.00 $20,001-$25,000 13.00 26.00 $25,001-$30,000 14.00 28.00 $30,001-$35,000 15.00 30.00 $35,001-$40,000 16.00 32.00 $40,001-$45,000 17.00 34.00 $45,001-$50,000 18.00 36.00 $50,001-$55,000 19.00 38.00 $55,001-$60,000 20.00 40.00 $60,001-$65,000 21.00 42.00 $65,001-$70,000 22.00 44.00 $70,001-$75,000 23.00 46.00 *Includes buildings used primarily for residential purposes & not containing more than 2 family units ENDORSEMENT CL-0335 **Includes all other buildings ENDORSEMENT CL-0334 Rev 11/11 Coal Mine Subsidence Page AAIS

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Typewritten Text

Additional rates for coverages up to $200,000 on following pages

Documents

DWELLING AND FARM PROPERTIES MANUAL files/FMIC_Agency_Manuals... · american association of insurance services dwelling and farm properties manual west virginia 1986 aais table of